Other Charges

The following is an indicative list of other charges / fees / outgoings that are payable depending on the nature of the loan availed (*):

]
a. Cheque dishonor charges : Rs. 200 Per Dishonour
b. Prepayment charges : For Home Loans, Home Improvement Loans, Home Extension Loans,Plot Loans & Rural Housing Finance
For Loan Against Property, Non Residential Premises Loans, Top-Up Loans
C. Conversion fees : For Home Loans, Home Improvement Loans, Home Extension Loans & Rural Housing Finance
For Plot Loans
For Loan Against Property & Non Residential Premises Loans

d. Fees on account of external opinion :
-For advocates/technical experts, as the case may be
as per actuals applicable to a case
e. Insurance charges : as per actuals applicable to a case
f. Charges on account of delayed payments/defaults:

i Additional interest : A maximum of 24% p.a. on the defaulted sum
ii Incidental charges : ***
iii Expenses : as per actuals applicable to a case
g. CERSAI charges(Central Registry of Securitisation Asset Reconstruction and Security Interest of India) All applicable charges on account of Stamp duty / MOD / MOE Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) or such other statutory / regulatory bodies and applicable taxes shall be borne and paid (or refunded as the case may be) solely by the customer.
You may visit the website of CERSAI for all such charges at www. cersai.org.in
h. List of Documents Upto Rs. 500
i. Photo Copy of Documents Upto Rs. 500
j. PDC swap Upto Rs. 200
k. Disbursement cheque cancellation charge post disbursement Upto Rs. 200
l. Reappraisal of loan after 6th months from sanction Upto Rs. 2000 plus ST+EC
m. Increase/Decrease in loan term Upto Rs. 500 plus ST+EC

(*)the contents of the above are subject to change from time to time and the levy of the same shall be at such rates as may be applicable as on the date of such charge.

**Conditions apply.

[ *** ] Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. A copy of the Policy can be obtained by customers from the concerned branch on request.

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