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Service Charges related to Retail Advances

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Type of scheme Schemes Processing Fees* Documentation Charges*
Mortgage Housing Loan 0.35% of the loan amount
Minimum- Rs. 2,500/
Maximum- Rs. 15,000/		 Rs.1350/-
Take over of Loan Rs. 2,500/-
Pradhan Mantri Awas Yojna (Economically Weaker Section/ Low Income Group)
Rs 3000/- Nil
Pradhan Mantri Awas Yojna (Middle Income Group)

Loan up to Rs. 9 lakh in MIG-I – NIL
Loan up to Rs. 12 lakh in MIG – II – NIL

For additional loan amount beyond the eligible loan amount as above– As per the existing housing loan scheme to public.
Full waiver of upfront/processing fee and documentation charges under Festival Bonanza Offer for all loans sanctioned (with accounts opened) till 31.03.2019 and disbursed up to 30.04.2019.
Mortgage against Immovable Property Term Loan: 0.90% of loan amount, Maximum Rs. 45000/- Working Capital: Rs 300/- per lac or part thereof on yearly basis Rs. 1500/-
Reverse Mortgage Loan Half month’s Loan installment Maximum Rs. 15000/- NIL
Overdraft to Existing Housing Loan Borrowers NIL Rs.450/-
Non- Mortgage Car Loan Upto Rs. 6 Lacs - Rs. 1,000/-
Above Rs. 6 Lacs- Rs. 1,500/-
Full waiver of upfront/processing fee and documentation charges under Festival Bonanza Offer for all loans sanctioned (with accounts opened) till 31.03.2019 and disbursed up to 30.04.2019.
Two Wheeler Loan Regular Rs.275/- Regular Rs.275/-
Full waiver of upfront/processing fee and documentation charges under Festival Bonanza Offer for all loans sanctioned (with accounts opened) till 31.03.2019 and disbursed up to 30.04.2019.
Education Loan

For Studies in India- NIL

For Studies abroad- 1% Minimum Rs.10000/- (Refundable after 1stDisbursement)

Upto Rs.4 lac – Rs.270/-

Above Rs.4 lac- Rs.450/- For Studies in IITs and IIMs - NIL
Personal Loan 1.80% of loan amount

Upto Rs. 2 lac- Rs. 270/-

Above Rs. 2 lac- Rs. 450/
Personal Loan to Pensioners NIL Rs. 500/-
Gold Loan 0.25% of Loan Amount

Rs. 250/-

*All charges are excluding GST

Security Inspection/ Verification Charges - Retail Advances

Scheme Guidelines Proposed Inspection Charges
Car Loan Where the loan account is running regular the requirement of periodical Inspection, including obtaining of PNB 551, has been done away with. NIL
For irregular accounts and accounts under NPA category, the inspection be done on at least quarterly or at such shorter intervals as the situation demands and PNB 551 to be obtained on half yearly basis Rs 100/- + GST
Two Wheeler Loan Same as applicable to Car Loan Rs 50/- + GST
Housing Loan Security Verification after creation of Security to be carried out once in two years for regular accounts Rs 250/- + GST
At least on half yearly basis in case of NPA accounts. Rs 250/- + GST
Advance against Mortgage of Immovable Property At least Once every year for regular accounts; Rs 250/- + GST
At least once every half year for irregular accounts; and
At least once in three months for NPA accounts.
Education Loan where Immovable Property has been taken exclusively as Collateral Security At least once in three years (as prescribed in L&A cir 7/2009 dated 09.01.2009) Rs 250/- + GST
Reverse Mortgage The inspection of the property must be done on an annual basis NIL inspection charges have been stipulated in the scheme

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