Processing Fee

Upto 2% of the facility amount

Proposal Login Fee (Non refundable)

Rs. 5000/-

Renewal / Review Fee for Existing cases

Upto 2% of the facility amount

Commitment Charges in case quarterly average utilisation in CCOD account is < 60%

0.5% p.a. on the difference between the actual utilisation and average utilisation of 60% for the quarter

Take Over/ Pre-closure Charges (full pre-closure)

Working capital -5% of the Sanctioned amount Term Loan - 5% of principal outstanding

Term Loan part pre-closure

Upto 5% on the principal amount prepaid

Overline charges in OD/CC (utilisation above drawing power)

Upto 24% p.a. of the limit overdrawn above drawing power from the date of Overline till the date of regularisation of limits

Penal Charges for limit expired Temporary Overdrafts (TOD)

Upto 24% p.a. on the utilised limit till the date of regularisation of limit

Penal Charges for Term Loan

Upto 36% p.a. on overdue instalment due but not paid till overdue amount is regularised

Incremental Interest on sanctioned Temporary Overdrafts (TOD) & Adhoc limit

Upto 2% p.a. on the sanctioned TOD & Adhoc limit utilisation till the facility is regularised

Conversion Charges for switching loan from fixed to floating rates or vice versa,

Term Loan: One-time charge of 0.25% on principal outstanding or Rs.5000/- whichever is higher Working capital: One-time charge of 0.25% on sanction amount or Rs 5000/- whichever is higher

Working Capital: Penal Charges for Non-submission of Stock Statement / covenant not complied /Renewal docs not submitted / Property or stock insurance not submitted

Upto 24% p.a. on the utilised limits till the conditions are complied

Term Loan: Penal Charges for Non-Submission of property insurance / covenant not complied

Upto 24% p.a. on the principal outstanding till conditions are complied

Commission on LC- Usance

Upto 1.5% p.a. on Usance LC for first 3 months: Minimum of Rs. 2000/- Additional 1.5% for LC Usance period beyond 3 months but within 6 months: Minimum of Rs. 2000/-

Commission on LC- Sight

Upto 1% p.a. on LC value- Minimum Rs.1500/-

LC Text Amendment Charges

Rs.750/- per amendment

LC Value & Tenure Amendment

Will be charged as LC issuance charges plus amendment charges as above

LC Bill Handling charges

Rs.750/- per Bill

LC Bill Acceptance charges

Rs.750/- per bill

Discrepancy charges

Rs.750/- per bill

Stamp charges

Actual

SFMS Charges

Actual

LC Cancellation charges

Rs.1000/-

LC Payment commission

0.75% p.a.

LC Devolvement

20% up to 90 days 24% Above 90 days

Issuance of Bank Guarantee- Performance Guarantee

1.5% p.a. on BG amount Minimum of Rs. 1500/-

Issuance of Bank Guarantee- Financial Guarantee

2.0% p.a. on BG amount Minimum Rs. 2000.

BG Issuance Handling Charges (Courier Charges extra)

Rs.200/- (Courier charges should be separate)

Text Amendment Charges

Rs.500/- per amendment

Increase in Tenure or Value

Will be charged as BG issuance charges

BG Claim handling charges

Rs.500/- per claim

BG Cancellation charges

Rs.1000/-

ROC Filing charges

Actuals as applicable

Issuance of Solvency Certificate

0.5% of solvency certificate value (Min of Rs 1000/- and max of Rs 10000/-)

BG Invocation

20% up to 90 days 24% Above 90 days

CERSAI Charges (Stock/ Receivables/ Plant & Machinery and Collateral Security)

Rs.100/-

Stock and Receivables Audit- External

Rs. 10000/- Metro Locations Rs. 6000/- Other Regions

Credit Shield Insurance

Actuals as applicable

Stock Insurance

Actuals as applicable

Property Insurance

Actuals as applicable