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Credit Related Services Charges

Service Charges Related to Retail Advances

Credit Related Service Charges(exclusive of GST)

PROCESSING CHARGES

Working Capital
Upto Rs. 25000/-. Nil.
Above Rs.25000/- & upto Rs. 2 lakh Rs. 500/-*
Above Rs.2 lakh Rs.300/- per lakh or part thereof.
For Non-Fund Based Limits. At par with fund based working capital charges

* In case of advances to Micro and Small Enterprises upto Rs. 5 lakh & Kisan Credit Card (KCC) upto Rs. 3 Lakhs, no processing charges are to be recovered.

** In case of advances to Medium Enterprises above Rs. 2 lakh and MSE advances above Rs. 5 lakh @ Rs.300/- per lakh or part thereof.

20% discount in processing /upfront fee will be given in case of applications received on-line in respect of MSME category of borrowers to encourage such borrowers to submit on-line applications.

Processing fee/upfront fee already deposited by Micro and Small Enterprises at the time of submission of loan proposals for working capital/term loans upto Rs.5 lacs, shall be refunded if the loan is not sanctioned.

The processing charges shall be recovered in stages as follows:

  • 10% of processing fee on receipt of proposal.
  • Minimum 50% of processing fee on the amount of limit sanctioned (inclusive of fee charged at the time of receipt of proposal) at the time of handing over letter of sanction and balance 50% at the time of disbursement.
  • In case the loan proposal is declined or the limit sanctioned is not availed by the customer within a period of six months the processing fee recovered shall be forfeited.

upfront fee

For Term Loans (Including DPG) – Other than Retail Segment

upfront fee for term loans (including dpg)

Upto Rs. 25,000 Nil
Above Rs. 25,000 and upto Rs. 2 lakh Rs. 500/- *
Above Rs. 2 lakh & upto Rs. 50 crore 1.25% of the loan amount**
Above Rs. 50 crore & upto 100 crore 0.90% of loan amount, Minimum Rs. 62.50 Lakh
Above Rs. 100 crore 0.60% of the loan amount, Minimum Rs. 90.00 lakh
For Schemes where refinance is obtained As specified by refinancing agency.
Other Schemes Charges
Traders/PNB Super Trade, Future Lease Rentals, Doctors, Gramin Chikitsak. 0.70% of loan amount.

*In case of advances to Micro and Small Enterprises upto Rs. 5 lakh and Self Help Groups (SHGs) below poverty line, no upfront fee is to be recovered.

** Upfront fee for term loans above Rs.5 lakh and upto Rs. 25 lakh to Micro & Small Enterprises and Above Rs 2 lakh to Rs 25 lakh to Agricultural activities is to be charged @ 0.60%+ST of the loan amount.

Upfront fee shall be recovered in stages as under:

  • 10% of upfront fee on receipt of proposal.
  • Minimum 50% of upfront fee on the amount of limit sanctioned (inclusive of fee charged at the time of receipt of proposal) at the time of handing over letter of sanction and balance 50% at the time of disbursement.

documentation charges

Term Loans (Other than retail Loans Segment)
For Loan Amount :
Upto Rs. 2 lakh : Nil
FAbove Rs. 2 Lakh : Rs. 400/- per lakh or part thereof, subject to a maximum of Rs. 50,000/-
Term Loans (Other Schemes)
Traders/PNB Super Trade,
Future Lease Rentals, Doctors,
Gramin Chikitsak. :

: Rs. 270/- upto Rs. 2.00 lakh.

: Rs. 400/- over Rs. 2.00 lakh.

The above mentioned are to be levied only once in case of term loans. However, in case of cash credit accounts, documentation charges are to be levied first at the time of fresh sanction and then at the time of enhancement (for the enhanced portion of limit only).

annual fee for review of term loans :

For annual review of all term loans (other than Retail Loans and Loan Against Future Lease Rentals) with sanctioned limit of Rs. 1 crore & above, fee is recovered as under :

Stage for levy annual fee Rate
During implementation stage 10 paisa per Rs. 100 / -, Maximum 10 LAC
After implementation 05 paisa per Rs. 100 / -, Maximum 5 LAC

charges for change in terms & conditions

Except in CDR/restructuring cases 0.02% of loan amount (Minimum Rs.1,000/- and Maximum Rs. 5 lakh).

Issue of Balance/Interest/No Dues certificate

For PS Advances : Rs. 50/- per Certificate

For others : Rs.150/- per Certificate

pre-payment charges:

2% on the outstanding pre-paid

commitment charges:

These charges are recovered as per utilization level of advances as under :

Utilization Level Rate of Commitment Charges
Utilization Level less than 50% : 1.00% p.a.
Utilization Level 50% to less than 60% : 0.50% p.a.
Utilization Level 60% to less than 70% : 0.25% p.a.
Utilization Level above 70% : NIL
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