Fees & Charges - SME

Charges 

Current Charges

Processing Fees 

EEG - Upto 1% (plus taxes) of the facility amount or Rs 7,500/- (plus taxes) whichever is higher 

For Shopkeeper Loan (unsecured): Upto 2% (plus taxes) of the facility amount  

Upto 1% (plus taxes) of the facility amount For Shopkeeper Loan (unsecured): Upto 2% (plus taxes) of the facility amount 

BBG/HCF - Upto 1% (plus taxes) of the facility amount will be collected prior to disbursement as non-refundable administrative cost towards the processing of the loan. 

RBG -Upto 1% (plus taxes) of the facility amount or Rs 7,500/- (plus taxes) whichever is higher 

BBG/EEG/SAB/HCF - CAM upto 5 lacs - Nil PF 

Renewal Fee 

EEG/RBG - Upto 0.75% (plus taxes) of facility amount.  

BBG/HCF - Upto 1% (plus taxes) of facility amount. 

BBG/EEG/SAB/HCF - CAM upto 5 lacs - Nil PF 

Failed takeover 

In case of a failed takeover, Bank reserves the right to charge the Borrower 1% of the total limits sanctioned as  failed takeover charges. 

Stamp Duty & other statutory charges 

As per actuals which are applicable in laws of the state  

Incremental Interest on Adhoc limits. 

@2% Interest on existing ROI on the additional adhoc amount 

Issuance of No Due Certificate / No Objection Certificate (NOC) 

No charges for original however for duplicate NOC, Rs 250/- (plus taxes) are applicable.  

ROC filling charges (On customer request) 

Vendor professional charges + MCA fees + GST                                                                                                                                                                                                                                                                  Vendor professional fees of Rs 2250 and  MCA fees are as mentioned : 0- 30 days Normal Fees Rs 600 , 31- 60 days bucket Additional Fees Rs 4200/-, 61 to 120 days Advalerom Fees 0.05% of Exposure Amount Plus 18% GST on professional fees 

Customers may also avail services of other vendors as per their convenience. 

Issuance of Solvency certificate 

1% of the solvency certification value subject to minimum of Rs 1,000 (plus taxes) and maximum of Rs 25,000 (plus taxes) 

Commission on LC/BG issuance 

Upto 1.8% on LC/BG Amount (plus taxes) 

Service Charges - for processing Physical Stock Statement. 

Rs. 500 for every physical stock statement collected or submitted. 

(Stock statement submitted digitally i.e. through email/Online will not attract any charges) 

Conversion Charges (For revising rate of interest) 

0.25% plus taxes as applicable on loan outstanding in case of Term loan and on sanctioned amount for other Working Capital Facility (e.q. Cash Credit / Overdraft etc.) or Rs. 10,000 plus taxes as applicable, whichever is higher 

Stock Audit Charges 

For Sanctioned Limits upto Rs. 5 Crs: Rs.10,000/- plus taxes as applicable 

For Sanctioned Limits above Rs.5 Crs: Rs.14,000/- plus taxes as applicable  

**For the customers having multiple locations, stock audit charges to paid/recovered according to the number of visits to factory, office, godown etc. 

Commitment Charges 

if Average Utilization>= 60% then no charges, If Average utilization is < 60% then 0.50% per annum on the difference between actual utilization and expected average quarterly utilization i.e. 60%. 

These Charges will be levied on a quarterly basis (plus taxes) 

Applicable only for CC/OD facility 

Late payment penalty on delayed payment of EMI- Term Loan 

24% per annum (plus taxes) on the overdue EMI amount  

Legal / Valuation 

BBG/EEG/SAB - Actual as per vendor quotation will be collected towards the valuation expenses and Rs 7,500 or actual per property whichever is higher towards legal expenses  

HCF – As per actual charged by the vendor 

EMI bounce charges for term loans 

Rs 550 (plus taxes) Per EMI bounce 

Cersai Charges for creation / modification of security interest on collateral securities. 

Rs. 500 +GST 

Foreclosure / Takeover charges 

For NON MSE Borrowers 

Upto 4% of loan Principal outstanding for Term loan and 4% of the sanctioned amount for Working Capital Facility  (plus taxes) 

For MSE Borrowers   

NIL for Borrowers classified as Micro and Small Enterprises, as per BCSBI guidelines under MSMED Act 2006, prepayment / foreclosure/ takeover charges  

will not be charged if the Borrower is prepaying a fixed rate loan upto INR 50 lakhs or prepaying a floating rate loan of any amount. 

EMI bounce charges for term loans 

INR 450 (plus taxes) Per EMI bounce 

Late payment penalty on delayed payment of EMI- Term Loan 

24% per annum (plus taxes) on the overdue EMI amount 

Penal charges on customer exposures, overdue for renewal of credit facilities 

0.075% fortnightly on the utilized amount.  

Penal charges for customers not submitting Unhedged foreign currency exposure declaration/statement 

0.075% fortnightly on the utilized amount. 

Penal charges for customers not submitting the Letter Acknowledging their Debt (LAD) 

@18% from the date of LAD overdue, subject to a minimum of Rs.2500 per month. 

Incremental charges on Temporary overdrafts (TOD) 

18% p.a. on TOD amount availed for the days, TOD is used. 

Non-Submission of property/stock/Plant & Machinery insurance 

0.075% fortnightly on the utilized amount. 

Non-Submission of stock statement 

0.05% of DP per Month 

Maintaining Current Account with Other Bank while facility is granted under Sole Banking (Applicable where specific permission is not taken by the customer) 

0.075% fortnightly on the utilized amount. 

Not complying with documentation for the credit facility. 

0.075% fortnightly on the utilized amount. 

Intra-Day Peak utilization charges 

EEG/RBG – Nil 

BBG/HCF - 18% per annum on the excess utilization over and above the set limit. 

Higher levy in case account conduct deteriorates 

0.075% fortnightly on the utilized amount. 

USD 1 to USD 100 – NIL
USD 101 to USD 500 – USD 10 + applicable taxes
USD 501 to USD 1,000 – USD 20 + applicable taxes
USD 1,000 & ABOVE – USD 50 + applicable taxes

Sr No

Product

Event

Current Charges

Revised Charges

1

ODI

Fresh Remittance

INR 10,000 (UIN Generation Charges) + 0.2 % Commission + NR 500 (Swift)

INR 15,000 (UIN Generation Charges to be collected at remittance) + 0.2 % Commission + INR 500 (Swift)

2

ODI

Subsequent Remittance

0.2 % Commission + INR 500 (Swift)

INR 5,000 (RBI Reporting charges to be collected at remittance) + 0.2 % Commission + INR 500 (Swift)

3

ODI

APR Reporting

INR 1,000

INR 2,000

4

ODI

Change of AD Bank

INR 25,000

INR 25,000

5

ODI

RBI Presentation Charges -(charges to be taken at the time of submission) / Prior Approval / Regularization / Post Facto approval / Structural changes / any other Customer based reason

INR 1,000

INR 25,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

6

ODI

NOC Charges

INR 1,000

INR 25,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

7

ODI

Reporting of Corporate Guarantee/Performance Guarantee Issuance, Amendment or Cancellation

No Charges Prescribed

INR 5,000

8

ODI

Scrutiny of Bank Guarantee of UINs where HDFC Bank is not AD

No Charges Prescribed

INR 5,000

9

ODI

Reporting of non financial commitment like pledge of shares, creation of charge, other fund or non fund based

No Charges Prescribed

INR 5,000

10

ODI

Reporting of non fund based financial commitment like swap of shares, merger/demerger/amalgamation, capitalization of receivables, conversion of loan to equity etc

No Charges Prescribed

INR 5,000

11

ODI

Disinvestment Reporting

No Charges Prescribed

INR 25,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

12

ODI

Draft Vetting - Remittance / Guarantees

No Charges Prescribed

NIL

as we are charging at the time of UIN generation and subsequent txns

13

ODI

Draft Vetting - Disinvestment

No Charges Prescribed

NIL

as we are charging at the time of reporting of disinvement

14

ODI, ECB, FDI

Reminders sent for overdue cases - APR/ Share Certificate/ Disinvestment / FDI / ECB 2

No Charges Prescribed

INR 100 per month

15

ECB

ECB 2

INR 1,000

INR 1,000

NO CHANGE

16

ECB

Revised form ECB

INR 1,000

INR 5,000

17

ECB

ECB new case - fresh LRN Issuance

INR 10,000

INR 25,000

18

ECB

Change of AD Bank

INR 25,000

INR 25,000

19

ECB

ECB prior approval cases - Presentation to RBI (charges to be taken at the time of submission)

No Charges Prescribed

INR 10,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

20

ECB

NOC Charges

INR 1,000

INR 25,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

21

Current Account

RBI Presentation for approving / regularisation of current account transactions (charges to be taken at the time of submission)

INR 1,000

INR 5,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

22

Commodity Hedging

Approval letter issuance

INR 5000

INR 5,000

23

Commodity Hedging

Amendment to approval letter issuance - due to customers request

NIL

INR 1,000

24

Commodity Hedging

Quarterly Reporting

INR 1000

INR 1,000

25

FDI

FIRMS Reporting where funds received in other bank

INR 30,000

INR 30,000

26

FDI

FIRMS Reporting where funds received in HDFC Bank

INR 10,000

INR 15,000

27

FDI

NOC charges - Pledge etc,

INR 1,000

INR 25,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

28

FDI

FDI Outward Remittances, (Transfer of shares from NR to R, Buy-back of shares, offer for sale against sale of shares under IPO, return of excess funds / full amount received against FDI, Remittance against Liquidation, etc.)

0.2 % Commission + INR 500 (Swift)

5,000 for scrutiny + 0.2 % Commission + INR 500 (Swift)

29

FDI

RBI Presentation for getting previously reported details / confirmation (post approval received from RBI – for retrieval of records)

No Charges Prescribed

INR 10,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

30

FDI

RBI Presentation for getting approval for FDI transaction - physical letter / refund of fdi, sectoral cap, land border related, etc (charges to be taken at the time of submission)

No Charges Prescribed

INR 10,000 minimum or 0.02% of the total amount based on complication / efforts involved in the case

31

FDI

Draft Vetting - Reporting

No Charges Prescribed

INR 1,000 per transaction (irrespective of number of times it has been checked prior to reporting)

32

FDI

Draft Vetting - Remittance

No Charges Prescribed

INR 1,000 per transaction (irrespective of number of times it has been checked prior to reporting)

33

FDI

FIRMS - Rejected cases

No Charges Prescribed

INR 1,000 per rejection

34

OBR

Approval letter Issuance

INR 5,000

INR 15,000

35

LOBOPO

Approval letter Issuance

INR 5,000

INR 15,000

36

LOBOPO

AAC Reporting

INR 1,000

INR 2,000

37

LOBOPO

Renewal - Conversion to BO, extension of LO and PO

INR 1,000

INR 15,000

38

LOBOPO

Reminders sent for overdue cases - extension of validity, AACs

No Charges Prescribed

INR 100 per month

39

LOBOPO

Change of AD Bank

NIL

INR 25,000