| Products | Min of ROI | Max of ROI |
|---|---|---|
| Loan Against Property | 10.0 | 15.0 |
| Business Instalment Loan | 17.0 | 21.0 |
| Machinery Term Loan | 9.0 | 14.0 |
| Supply Chain Finance( BD and PO) | 8.0 | 14.5 |
| Corporate Others(RSTL, WCTL, Bridge Finance etc.) | 9.0 | 12.5 |
The Rate of Interest is arrived at based on the Weighted Average Cost of Funds, Administrative Costs, Risk Premium and Profit Margin.
| Nature of Fee/Charges | Loan Against Property and LRD | Machinery Loan | Business Instalment Loan | Bill Discounting and PO | Working Capital Loans & other BE products |
|---|---|---|---|---|---|
| Processing Fees | Upto 2% of Sanction Limit+ Applicable GST | ||||
| Handling Charges/Transaction Charges | NA | NA | NA | Upto ₹1,500 +GST per batch | NA |
| Login Fees Non Refundable | Upto ₹ 5,500 + Applicable GST | NA | NA | NA | NA |
| Renewal Processing Fee | NA | NA | NA | Upto 2% of Sanction Limit+ Applicable GST | Upto 2% of Sanction Limit+ Applicable GST |
| ROC filing charges | ₹ 1,200+ Applicable GST (wherever applicable) | ₹ 1,200+ Applicable GST (wherever applicable) | NA | NA | ₹ 1,200+ Applicable GST (wherever applicable) |
| Repayment Instruction / Instrument Return Charges | ₹500+Applicable GST per instance | ||||
| Penal charges for delayed payment | Upto 3.00% p.m. applicable on amount overdue | ||||
| Penal charges- Non submission of stock statement | NA | NA | NA | NA | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default |
| Penal charges- Non submission of Property/Machine/ stock insurance wherever applicable | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default | NA | NA | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default |
| Penal Charges- Non creation of Security | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default | NA | NA | Upto 4% P.A Additional rate of interest on the amount outstanding for the period of default |
| Foreclosure Charges Floating Rate Loans | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non-Individual Borrower Business End Use – upto 4% of Loan outstanding +Applicable GST | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non-Individual Borrower Business End Use – upto 4% of Loan outstanding +Applicable GST | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non-Individual Borrower Business End Use – upto 4% of Loan outstanding +Applicable GST | NIL | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non-Individual Borrower Business End Use – upto 4% of Loan outstanding +Applicable GST |
| Part Pre-payment charges Floating Rate Loans | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non Individual Borrower Business End Use – 4% of amount pre paid +Applicable GST | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non Individual Borrower Business End Use – 4% of amount pre paid +Applicable GST | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non Individual Borrower Business End Use – 4% of amount pre paid +Applicable GST | NIL | a) Individual Borrower-Non-Business End Use Nil b) Individual & Non Individual Borrower Business End Use – 4% of amount pre paid +Applicable GST |
| Foreclosure Charges Fixed Rate Loans | Upto 4% of Loan outstanding +Applicable GST | Upto 4% of Loan outstanding +Applicable GST | Upto 4% of Loan outstanding +Applicable GST | NIL | Upto 4% of Loan outstanding +Applicable GST |
| Part Pre-payment charges Fixed Rate Loans | Upto 4% of amount prepaid +Applicable GST | Upto 4% of amount prepaid +Applicable GST | Upto 4% of amount prepaid +Applicable GST | NIL | Upto 4% of amount prepaid +Applicable GST |
| Switching Fees (Higher Floating Rate to Lower Floating Rate) | Upto ₹5,000+GST (Wherever Applicable) per instance | Upto ₹5,000+GST (Wherever Applicable) per instance | NA | Upto ₹5,000+GST (Wherever Applicable) per instance | Upto ₹5,000+GST (Wherever Applicable) per instance |
| Issuance Charges for Photocopy of Title Deeds | Upto ₹500/- +GST per document set | NA | NA | NA | Upto ₹500/- +GST per document set (Wherever Applicable) |
| Legal Charges including sending of legal notices | Any costs borne by the company will be charged on actuals to the customer by debiting the loan account | ||||
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