FEATURES
ELIGIBILITY
FEES & CHARGES
| Description of Charges | Facility Type | Loan amount | Charges/ Fee Amount | Frequency of charging | ||
| Supervision Charges | KGC CC (Other than allied and other cases) | <= Rs 3 lakh | Rs 250 | Half Yearly | ||
| >Rs 3 lakh - 10 lakh | Rs 750 | |||||
| >Rs 10 lakh- Rs 25 lakh | Rs 1250 | |||||
| >Rs 25 lakh- Rs 50 lakh | Rs 1500 | |||||
| > Rs 50 lakh | Rs 3000 | |||||
| Allied Activities & Other | <= Rs 3 lakh | Rs 250 | Quarterly | |||
| >Rs 3 lakh - 10 lakh | Rs 1000 | |||||
| >Rs 10 lakh- Rs 25 lakh | Rs 2000 | |||||
| > Rs 25 lakh to Rs 50 lakh | Rs 2500 | |||||
| > Rs 50 lakh | Rs 3000 | |||||
| *For cases under Pisciculture, Supervision charges shall apply annually | ||||||
| Processing Fee | Regular KGC | All | 2.00% | Loan Processing & at the time of enhancement | ||
| KGC Saral | All | Rs 2500 | ||||
| Foreclosure Charges* | KGC TL | Applicable for Fixed Rate TL Only | 4% of outstanding amount | At the time of loan closure | ||
| KGC CC | All | 4% | At the time of loan closure | |||
| All | All | 2% Per Month | At the time of loan regularisation | ||
| Penal Charges - Non-compliance of any terms and conditions of the Transaction Documents or any other credit covenants and discrepancy in collateral security if any. | All | All | 0.167% Per Month | At the time of loan regularisation | ||
| Stamp Duty & other statutory charges | All | All | At actuals as per applicable laws of the State | Loan Processing | ||
| Legal, valuation and vetting charges | All | All | At actuals | At the time of loan Processing | ||
| Cheque Bounce Charges* | All | All | Rs 550/- | At the instant | ||
| Cheque Swapping Charges | All | All | Rs 500/- | Per transaction | ||
| CIBIL Report Copy Charges | All | All | Rs 50/- | Per request | ||
| Repayment Schedule Charges | All | All | Rs. 200/- | Per request | ||
| *Charges which are in nature of fees are EXCLUSIVE of service tax. Service tax and other government levies, as applicable, would be charged additionally. | ||||||
Average Annual Percentage Rate offered to customer during the period of Jan-24 to Mar-24
Product | IRR | APR | ||||
Min | Max | Avg | Min | Max | Avg | |
RETAIL AGRI | 8.40% | 18.95% | 10.99% | 8.40% | 19.02% | 10.99% |
The above information is exclusive of accounts under government schemes. | ||||||