Retail Agri Loans - Kisan Card/Kisan Gold Card 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
Late Payment Penalty	KGC TL	All	2% p.m. on overdue amount	At the time of loan regularisation
	KGC CC	All	1.33% p.m. on overdue amount	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 Jul-23 to Sep-23 

Product	IRR			APR
	Min	Max	Avg	Min	Max	Avg
RETAIL AGRI	8.00%	18.75%	11.65%	8.00%	18.79%	11.66%
The above information is exclusive of accounts under government schemes.