FEATURES

ELIGIBILITY



FEES & CHARGES


Description of ChargesFacility TypeLoan amountCharges/ Fee AmountFrequency of charging
Supervision ChargesKGC CC
(Other than allied and other cases)
<= Rs 3 lakhRs 250Half Yearly
>Rs 3 lakh - 10 lakhRs 750
>Rs 10 lakh- Rs 25 lakhRs 1250
>Rs 25 lakh- Rs 50 lakhRs 1500
>  Rs 50 lakhRs 3000
Allied Activities & Other<= Rs 3 lakhRs 250Quarterly
>Rs 3 lakh - 10 lakhRs 1000
>Rs 10 lakh- Rs 25 lakhRs 2000
> Rs 25 lakh to Rs 50 lakhRs 2500
>  Rs 50 lakhRs 3000
*For cases under Pisciculture, Supervision charges shall apply annually
Processing FeeRegular KGCAll2.00%Loan Processing & at the time of enhancement
KGC SaralAllRs 2500
Foreclosure Charges*KGC TLApplicable for Fixed Rate TL Only4% of outstanding amountAt the time of loan closure
KGC CC All4%At the time of loan closure
Penal Charges - 
Default in payment

AllAll2% Per MonthAt 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. 
AllAll0.167% Per MonthAt the time of loan regularisation
Stamp Duty & other statutory chargesAllAllAt actuals as per applicable laws of the StateLoan Processing
Legal, valuation and vetting chargesAllAllAt actualsAt the time of loan Processing
Cheque Bounce Charges*AllAllRs 550/-At the instant
Cheque Swapping ChargesAllAllRs 500/-Per transaction
CIBIL Report Copy ChargesAllAllRs 50/-Per request
Repayment Schedule ChargesAllAllRs. 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 Oct-23 to Dec-23 

Product

IRR

APR

Min

Max

Avg

Min

Max

Avg

RETAIL AGRI

8.25%

18.75%

11.28%

8.25%

18.79%

11.28%


The above information is exclusive of accounts under government schemes.