Type of Loan

Processing Charge

N.S.C. / K.V.P. / L.I.C. / Government Security

Nil

H.P. Loan :

  1. Two Wheelers

Up to Rs. 50,000/-       =        Rs    500/-

Rs. 50,001/- to 2,00,000/-     Rs. 1,000/-

Above Rs. 2,00,000/-            Rs. 2,500/-

  2. Four Wheelers (Upto 15,00,000)

  3. Four Wheelers Second  Hand (Maxi 1/-lac)

  4. C.N.G. Auto

1.00 % of limit

  5. Consumer Loan (Maxi. 1/- lac ) 

0.50 % of limit

  6. Other Commercial Vehicles

Education Loan

 In India   ( Maxi - Rs. 10/- lacs ) Circular No. 95

Up to Rs. 2/- lacs         =  Rs.    500/-

Rs. 2/- lacs and above  =  Rs. 1,000/-

 Abroad   ( Maxi – Rs. 20/- lacs)        2007-08

Housing Loan

Up to Rs. 15/- lacs
Above 15/- lacs

No Charge

Rs. 1,000/-

Mortgage Loan ( Over draft)

Mortgage Loan(Office, Factory, Godown for Working Capital

Up to Rs. 5/- lacs ( 0.25 % of limit and Minimum Rs. 1,000/-)

Above Rs. 5/- lacs ( 0.20 % of limit and Minimum Rs. 1,500/-)

Gold Loan

Minimum Rs. 25,000/- to Maximum Rs. 5/- lacs

Rs. 25,000 to Rs. 50,000     =   Rs. 100/-

Rs. 50,001/- to Rs. 1/- lac   =    Rs. 375/-

Rs. 1/- lac above                 =    Rs. 500/-

Over draft against Gold 0.25% Mini-500/-

Personal Loan (up to 1.00/- lakh)

Up to Rs. 50,000/-              =    Rs. 500/-

Rs. 50,001/- to Rs. 1/- lacs =  Rs. 1,000/-

Plant and Machinery and Shed Loan

0.50 % of limit

Share Loan ( Maximum Rs. 10/- lacs)

Nil

 Trade and Industries Loan

 Book Debt                   

 Hypo                             

Temporary loan for 3 months.

Temporary Loan / C.C / Overdraft

(up to Rs.10/-lacs over & above regular limit)

                       up to 25000/- Nil

Renewal  0.25 % of limit

( Maximum Rs. 10,000/- )

New Proposal 0.50 % of limit

(Maximum Rs. 20,000/- )

0.50 % of limit

Term loan against (fixed assets)

C.C. / T.O.D. / Against Clearing

Nil

Clean Cash Credit / Over draft up 2.00/- lacs

Bill Discount under L.C. (up to 90 days)

Medical Loan upto 2/-lacs

0.50 of limit

Doctors loan

Self Employed / Servise enterprise/Profesional

Cheque / Bill purchased and discount

Excess over sanctioned limit

Loan / O.D./ against own deposit 1% more than Deposit Rate

Loan / O.D./ against third party deposit 2% more than Deposit Rate

Co-acceptance /D.A. Bills / Trust Receipt

Composite loan / Cash Credit

Solvency Certificate

Up to Rs. 1/- lac

Rs.    500/-

Above Rs. 1/- to Rs. 25/- lacs

Rs. 1,000/-

Above Rs. 25/- to Rs. 50/-lacs

Rs. 2,000/-

Above Rs. 50/- lacs

Rs. 3,000/-

Share Linking

Unsecured Loan 

5.00 % of  limit (Minimum Rs. 2,000/-)

Secured Loan

2.50 % of  limit

S.S.I. Units ( Industries)

1.50 % of  limit