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Fees and Charges
Auto & Two-Wheeler Funding
Sr. No. | Type of Charge | Proposed charges per instance |
1. | Processing Fee / Management Fee | Processing Fees at minimum Rs.25,000/- for Auto & Rs.15,000/- for |
2. | Stamp Duty & other statutory charges | At actuals |
3. | Stock Audit Charges | At actuals |
4. | BG Commission Charges | Up to 2% of the facility Amount (including Processing fee & commission charges) |
5. | Premature Closure Charges | 4% p.a + Taxes as applicable. As per BCSBI guidelines, for borrowers classified as Micro and Small Enterprises(MSE) NIL Premature Closure Charges will be applicable for all floating rate loans an |
- All the above service charges/fees/Commissions are exclusive of taxes.
- GST applicable on all type of fee/charges
Tractor Inventory Funding & Working Capital
| Charge Description | Current Charge |
| Processing Fee * | INF – Upto Rs. 25000/ - |
| CC – Upto 2% of Facility Amount | |
| TA- Nil charges | |
| Nil processing fees for loan facilities upto Rs.5 lakhs availed by Micro & Small Enterprises subject to URC submission prior to disbursal | |
| BG Commission Charges | Upto 2% of Facility Amount |
| Overdue Charges | 18 % per annum on overdue amount |
| Pre-Payment / Foreclosure Charges* | 2% on sanction limit on Inventory Funding. |
| (1) 2% if take over by another Bank | |
| (2) NIL if full outstanding repaid without takeover (own funds) | |
| Foreclosure - Term Loans/LAP/ODAP - 2% | |
| (1) Upto 25% repayment in a FY: NIL | |
| (2) For > 25% repayment & > 50 tenure completed: 1% | |
| (3) For > 25% repayment & < 50 tenure completed: 1% | |
| TA – No FC is applicable | |
| INF – 1% FC is applicable from the date of 1st acquisition to next 365 days. Post No Charges | |
| Foreclosure - Cash Credit Limits - 2% | |
| (1) 2% on CC Limits | |
| (2) NIL if full outstanding repaid, out of own sources, without takeover | |
| BG : No FC is applicable | |
| For Borrowers classified as Micro and Small Enterprises (MSE): | |
| 1.Prepayment of Fixed rate loans upto Rs.50 lakhs is permitted without levying any prepayment penalty | |
| 2. Prepayment of Floating rate loans/Takeover loans is permitted without levying any prepayment penalty | |
| Stock Audit Charges | Stock Audit Charges at Rs.1,500/- or actuals for Tractor for all exposures except TA & BG |
| SOT Charges | 2% additional Interest charge over applicable ROI once SOT is identified for dealers which are in excess of 10% of the total limits approved |
| Stamp Duty and Other Statutory Charges | At Actuals |
| Legal and incidental charges | At Actuals |
| CERSAI Charges | At Actuals |
| Solvency certificate | Upto 1%+ GST of the solvency certification value |
| Stock Gap (SOT) Charges | SOT between 10% to 20% - Rs.10000/-+GST for Tractor INF dealers per instance. SOT above 20% - Rs.25000/- +GST for Tractor INF dealers per instance |
| Penal charge on overdue amount in Inventory Funding limits | Penal charges 4% p.a + GST on overdue/ delays / defaults of any amount payable for Tractor and CV CE INF and TA dealers. |
| Delayed/Non-Submission of stock statement | Non Submission/Delayed submission of stock statements for 2 consecutively months, for DP calculation of CC limits shall attract penal charges of Rs.5000/- +GST charges for each instances of the utilized limits |
| Penal charge on overdue amount in Overdraft / Cash Credit facility / Inventory Funding limits / TA Facility | Penal charges 4% p.a + GST on overdue/ delays / defaults of any amount payable for Tractor INF and TA dealers. |
| TOD/STA Penal charge on over and above the limit utilization in Overdraft / Cash Credit /Inventory Funding/TA facility | TOD/STA Penal charges 4% p.a + GST on utilization of over and above the approved limit |
| Stock audit penal charges | Penal charges @2% p. a + GST will be applicable on the utilized limits in case of non submission of data or non cooperation by dealer in completing CC for stock audit process |
| Non submission of UFCE declaration | Flat 0.075% of the outstanding amount as at the end of previous quarter (Charges will be levied on Quarterly basis for all customers with provision amount > Rs 50,000) |
| Delayed instalment payment charge (For Term Loan) | NIL |
Commercial Vehicle, Construction Equipment Inventory Funding
| Charge Description | Current Charge |
| Processing Fee * | TA - Rs.25000/- |
| INF - Rs.25000/- | |
| CC - Upto 1% | |
| Nil processing fees for loan facilities upto Rs.5 lakhs availed by Micro & Small Enterprises subject to URC submission prior to disbursal | |
| BG Commission | Up to 2% of the facility Amount |
| Prepayment/Foreclosure Charges | 2% on sanction limit on Inventory Funding. (1). 2% if take over by other bank (2). Nil if full outstanding repaid without take over (own funds) Foreclosure - Term Loans/LAP/ODAP - 2% (1) Upto 25% repayment in a FY: NIL |
| (2) For > 25% repayment & > 50 tenure completed: 1% | |
| (3) For > 25% repayment & < 50 tenure completed: 1% - 2% on sanction limit on Inventory Funding. | |
| (1) 2% if take over by other Bank | |
| (2) NIL if full outstanding repaid without takeover (own funds) | |
| Foreclosure - Term Loans/LAP/ODAP - 2% | |
| (1) Upto 25% repayment in a FY: NIL | |
| (2) For > 25% repayment & > 50 tenure completed: 1% | |
| (3) For > 25% repayment & < 50 tenure completed: 1% | |
| TA – No FC is applicable | |
| INF – 1% FC is applicable from the date of 1st acquisition to next 365 days. Post No Charges | |
| Foreclosure - 2 % of the Cash Credit Limit | |
| (1) 2% on CC Limits | |
| (2) NIL if full outstanding repaid, out of own sources, without takeover BG : No FC applicable | |
| For Borrowers classified as Micro and Small Enterprises (MSE): | |
| 1.Prepayment of Fixed rate loans upto Rs.50 lakhs is permitted without levying any prepayment penalty | |
| 2. Prepayment of Floating rate loans/Takeover loans is permitted without levying any prepayment penalty | |
| Stock Audit Charges | Stock Audit Charges at Rs.1,500/- or actuals for CV CE for all exposures except TA & BG |
| Stamp Duty and Other Statutory Charges | At Actuals |
| Legal and incidental charges | At Actuals |
| CERSAI Charges | At Actuals |
| Solvency certificate | Upto 1% of the solvency certification value |
| Stock Gap (SOT) Charges | SOT between 10% to 20% - Rs.25000/-+GST for CV CE INF dealers per instance. SOT above 20% - Rs.50000/-+GST for CV CE INF dealers per instance. |
| Penal charge on overdue amount in Inventory Funding limits | Penal charges 4% p.a + GST on overdue/ delays / defaults of any amount payable for Tractor and CV CE INF and TA dealers. |
| Delayed/Non-Submission of stock statement | Non Submission/Delayed submission of stock statements for 2 consecutively months, for DP calculation of CC limits shall attract penal charges of Rs.5000/- +GST charges for each instances of the utilized limits |
| Penal charge on overdue amount in Overdraft / Cash Credit facility / Inventory Funding limits / TA Facility | Penal charges 4% p.a + GST on overdue/ delays / defaults of any amount payable for CV CE INF dealers. |
| TOD/STA Penal charge on over and above the limit utilization in Overdraft / Cash Credit /Inventory Funding/TA facility | TOD/STA Penal charges 4% p.a + GST on utilization of over and above the approved limit |
| Stock audit penal charges | Penal charges @2% p. a + GST will be applicable on the utilized limits in case of non submission of data or non cooperation by dealer in completing CC for stock audit process |
| Non submission of UFCE declaration | Flat 0.075% of the outstanding amount as at the end of previous quarter (Charges will be levied on Quarterly basis for all customers with provision amount > Rs 50,000) |
| Delayed instalment payment charge (For Term Loan) | NIL |