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Service Charges Related to Retail Advances
Credit Related Service Charges(exclusive of GST)
* 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:
For Term Loans (Including DPG) – Other than Retail Segment
*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:
: 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).
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 :
For PS Advances : Rs. 50/- per Certificate
For others : Rs.150/- per Certificate
2% on the outstanding pre-paid
These charges are recovered as per utilization level of advances as under :
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