Service Charges

Rs.1,000/-

a

Appraisal and certification

Rs.7/- for every Rs.1000/ of loan amount, minimum Rs.50, maximum Rs.350/ for loans up to Rs.5 lakh, Rs.400/- for loans above Rs.5 lakh

b

Re-appraisal charges

Rs.7/ per account + Actual bus fare

c

Second Appraisal charges

Rs.40/- per account for limits of Rs.1 Lakh & above, Rs.20/- per account for limits below Rs.1 lakh

d

Auction charges

Upto Rs.25000/- -Rs.50/-, Rs.25001-50000 Rs.100/-, Rs.50001-100000/- Rs.250/-, Above Rs.100000/- Rs.500/- (applicable GST shall also to be collected)

e

Attending gold auction

Rs.200/ per day

f

GST on gold auction

3% of auction proceeds

Loans up to Rs.25,000/-

NIL

Rs.25,001-50,000/-

Rs.330/-

Rs.50,001-1.Lakhs

Rs.380/-

Rs.1,00,001-2 Lakhs

Rs.660/-

Rs.2,00,001-3 Lakhs

Rs.760/-

Rs.3,00,001-4 Lakhs

Rs.860/-

Rs.4,00,001-5 Lakhs

Rs.1010/-

Above Rs.5 Lakhs

Rs.1210/-

a

CONSUMER per report

Rs.125/- + GST

b

COMMERCIAL per report

Rs.1500/- + GST

a

Up to Rs.50,000/-

NIL

b

SHORT TERM LOANS

Rs.50,001 – Rs. 2 lakh

Rs.250/per lakh or part thereof

Above Rs. 2 lakh

Rs.500/per lakh or part thereof,Max.Rs.25000/-

c

TERM LOANS

Rs.50,001 – Rs. 2 lakh

Upfront fee of 1% of loan amount,

Above Rs. 2 lakh

Upfront fee of 1% of loan amount (maximum Rs.25000/-)

d

VEHICLE LOANS (Both Priority & Non-priority)

0.25%of the loan amount with a minimum of Rs.1000/-

e

HOUSING LOANS-Both Priority & Non-priority (Except PMAY loan up to Rs.6 lakh, MIG I up to Rs.9 lakh and MIG II up to Rs.12 lakh)

Upfront fee of 0.75% of loan amount, with a minimum of Rs.1000/- & max of Rs.25,000/-

f

Housing Loans up to Rs.10 Lakhs where IT return are not submitted, Income assessment charge

Rs.500/-

g

For PMAY loans up to Rs.6 lakhs, MIG I up to Rs.9 lakh and MIG II up to Rs.12 lakh

NIL

h

EDUCATION LOANS

Inland studies: Nil & Study abroad: 1% of loan amount.

For running limits, processing charges will be debited at the time of opening and thereafter on annual review/renewals.

i

MSME loans

No processing charges for loans up to Rs.5 lakh. For short term loans above Rs.5 Lakhs – Rs.500/- per lakh or part there of subject to a maximum of Rs.20000/-. For term loans above Rs.5 Lakhs – 1% of the loan amount, subject to a maximum of Rs.25000/-.

a

SHORT TERM LOANS

Up to Rs.1,00,000/-

Rs.200/-

Above Rs.1,00,001- Rs.5 Lakh

Rs.250/per lakh or part thereof

Above Rs.5 Lakh

Rs.500/- per lakh or part thereof (subject to a Maximum Rs.25,000/-)

b

TERM LOANS

Up to Rs.1,00,000/-

Rs.150/-

Above Rs.1,00,001- Rs.5 Lakh

1%, minimum of Rs.500/-

Above Rs.5 Lakh

1% of loan amount Maximum Rs.50,000/-

c

For Grameena Easy Loans (GEL)

1 % of the loan amount, Maximum Rs. 5000/-

Up to Rs.50,000/-

Rs.100/-

50,001 – 2,00,000/-

Rs.250/-

Above Rs.2.Lakh

0.10% of loan amount with minimum of Rs.250/- and maximum of Rs.25,000/-

Not applicable for SGSY/NRLM/VSL/LD/DRI/staff loans.

No inspection charges to Priority Sector Loans up to Rs.50,000/-

a

KCC (Yearly One Visit)

Loan amount up to Rs.3 lakh Rs.200/- per inspection .Loan amount above Rs.3 lakh & up to Rs.5 lakh Rs.250/- per inspection.
Loan amount above Rs.5 lakh Rs.300/- per inspection

b

c

For running accounts for which stock inspection is mandatory 

Rs.50,001 – 2 lakh

Yearly visit

Rs.300/- per inspection

Rs.200001 – 5 lakh

Yearly visit

Rs.250/- per inspection & maximum of Rs.1500/- per year

Rs.500001 – 10 lakh

Monthly visit

Rs.200/- per inspection & maximum of Rs.1800/- per year

Above 10 lakh

Monthly visit

Rs.300/- per inspection & maximum of Rs.2400/- per year

Inspection charges to be debited as per the details entered in the menu “Follow Up”.

d

In the case of Personal Vehicle Loans (all categories) where repayment is regular, w.e.f 01.01.2017 inspection charge is waived. Not applicable to loans granted under all gold loans, SGSY/NRLM/DRI/VSL/LD/OD against term deposits/staff loans/education loans/consumption loans. Inspection charges to be collected at the end of the quarter.

WORKING CAPITAL loans

0.25% on the entire unutilized portion, if average utilization is 60% or less (to be levied half yearly)

TERM LOANS – irrespective of working capital limit

Withdrawn

a) takeover of the loan by other Bank/FI.

2% of the outstanding liability (or limit whichever is high for OD/CC accounts) in case of takeover of the loan by other Bank/FI

b) If a loan account taken over by our bank from other Bank/FI is again taken over from us by other Bank/FI within a period of one year

Additional charges at 2% of the outstanding liabilities to be collected over and above the normal charges of 2% stipulated Further all concessions permitted earlier in such accounts should be withdrawn from the beginning and all such concession permitted to be recovered from the party.

CDB – DISCOUNTING CHARGES

Applicable collection charges plus interest @ Non-Priority maximum. (Minimum of 7 days interest to be charged)

a

PERFORMANCE GUARANTEE

Up to Rs.10 Lakh

Minimum Rs.1000/- plus 0.25% per month or part thereof. Minimum commission for 6 months(1.5%) to be collected, no maximum ceiling

Above Rs.10 Lakh

Minimum Rs.2000/- plus 0.25% per month or part thereof. Minimum commission for 6 months(1.5%) to be collected, no maximum ceiling

OTHER THAN PERFORMANCE GUARANTEE

Up to Rs.10 Lakh

Minimum Rs.1000/- plus 0.30% per month or part thereof. Minimum commission for 6 months(1.80%) to be collected, no maximum ceiling

Above Rs.10 Lakh

Minimum Rs.2000/- plus 0.30% per month or part thereof. Minimum commission for 6 months(1.80%) to be collected, no maximum ceiling

Note: If there is 100% cash (deposit) commission shall be calculated as Rs.500/- plus 50% of normal rate. For further concession if any in the case valuable customers dealt with HO level on a case-to-case basis

DELAYED SUBMISSION OF STOCK STATEMENTS

Rs.300/- per occasion in respect of CC limits

A

Land and Building

0.2% of loan amount , minimum Rs.1500/- & maximum Rs.4000/-

B

Plant, Machinery, Stock, Book Debt etc.

Rs.2000/- per occasion

C

All items together

0.2% of the loan amount outstanding, maximum Rs.4000, out of which, fee for value of the landed property should not exceed Rs.3000/-

D

 Issuing stage certificate where building construction is involved

 Rs.500/- for each stage

E

 VALUATION DONE BY BRANCH OFFICIALS

 Valuation Charges (Done by Branch officials)

 Charge for assisting valuer by Officer/Manager

a

LSR Fee

LSR fee collected can be 0.5% of the loan amount with a minimum of Rs.1500/- and a maximum of Rs. 3500/-.Where complicated issues/scrutiny of multiple documents(more than 5) are involved, the maximum fee payable shall be Rs. 4000/-.
Regarding registry search (CERSAI Registry and SRO), the fee payable shall be Rs.500/-for each individual search against search receipt.

b

Supplementary LSR fee

Rs.750/-

c

d

e

f

a

Filing Suit without ABJ

Rs.1500/- plus actual DTP/

Photostat charges (Maximum Rs.500/-)

b

Filing Suit with ABJ

Rs.1750/- plus actual DTP/

Photostat charges (Maximum Rs.500/-)

c

Filing EP

Rs.1500/- plus actual DTP/Photostat charges

Particulars of creation or modification of security interest by way of mortgage by deposit of title deeds

Rs.100/- for creation and for any subsequent modification of security interest in favour of a secured creditor for a loan above Rs.5 lakh. For a loan up to Rs.5 lakh, the fee would be Rs.50/- for both creation and modification of security interest

Satisfaction of any existing security interest

Nil

Any application of information recorded/maintained in the register of any person.

Rs.100/-

Any application for condemnation of delay up to 30 days (Not exceeding 10 times of the basic fee applicable)

Rs.100/-

Delay of 31 days to 40 days

Twice the amount of applicable fee

Delay of 41 days to 50 days

Five times the amount of applicable fee

Delay of 51 days to 60 days

Ten times the amount of applicable fee

a

Within one month from the date of closure of loan at the rate of Rs.100/- per instrument + OPE

b

If lien cancellation is sought after 1 month from the date of closure of loan, charges will be Rs.200/- per instrument + OPE

The bank shall invariably furnish a copy of the loan agreement along with a copy of all enclosures quoted in the loan agreement to all the borrowers at the time of sanction/disbursement of loans, even in the absence of specific request from the borrower. Other than this, additional copies for specific purpose shall carry the following charges

a

Charges if copy of documents is for submission to any statutory authority

Rs.2000/- + Actual photocopying charges

b

Charges if presence of bank official is required along with the documents for obtention of photo copies.

Rs.3000/- + Actual photocopying charges + OPE

SOLVENCY CERTIFICATE

Commission on Solvency Certificate shall be at the rate of 0.10% of Solvency Certificate amount with a minimum of Rs.1000/- and maximum of Rs.20,000/- per Certificate .

All the expenses actually incurred for servicing the borrowal accounts such as inspection, pre-sanction and post-sanction visits, recovery visits, insurance, valuation charges payable to approved valuators in respect of land, building, plant, machinery, vehicles, sending notices, etc. should be collected from the borrower.

Loans up to Rs.50,000/-

Priority sector

Nil

Non- Priority sector

Rs.100/-

Above Rs.50,000/- and up to Rs.2 lakh
(Both Priority & Non-priority)

Rs.150/-

Above Rs.2 lakh and up to Rs.10 lakh
(Both Priority & Non-priority)

Rs.250/-

Above 10 lakh-Both Priority &Non-priority

Rs.500/-

The following charges are waived in respect of staff related loan facilities:

• Inspection charges on education loan to children to staff members
• DD commission in respect of educational loan to children of staff members
• Service charges & inspection charges on housing loans at customer rates to staff members

Note: CERSAI registration fees to be collected, as per guidelines.

• The charges levied in the NPA accounts with respect to the past periods, the same may be reversed if it is not recovered /collected.
• GST @ 18% to be collected extra.
• Processing and Documentation charges are to be collected upfront. So, henceforth interest should not be charged on these items.

a

3 free transactions in Metros and 5 free transactions in all other centres in a month (financial + non financial)-{applicable for CA also}

b

5 free transactions in KGB and Canara Bank ATMs per month(financial+ non financial)-{applicable for CA also}
5 free transactions in other banks ATMS per month (financial + non financial)-{not applicable for CA}.

c

Rs.27.14/-(23+4.14) for Financial transaction after 5 free transactions at ATMs (over and above the permitted free transactions on own and other bank ATMs) and Rs.15.34(13+2.34) for non-financial transactions over and above the permitted free transactions on own and other Bank ATMs.

d

Rs.17.70(15+2.70) for failed ATM,POS & ECOMM transactions due to insufficient funds

e

ATM Usage fee

Safe custody Fee for keeping Movable/Immovable property documents at our branches and offices

Rs. 500/- + GST per month or part thereof