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| Charges | |
|---|---|
| Documentation/Processing Charges | Based on the scheme opted by the Borrower and as informed to the Borrower before agreeing to avail the loan. |
| Loan cancellation charges (before disbursement) | ₹ 350/- + GST as applicable |
| Quick Delivery Charges (at the option of the customer) | ₹ 100/- + GST as applicable |
| Charges for deferring due date (Only on request) | ₹ 100/- (One-time charge and one-time facility) |
| Rescheduling Charges | ₹ 750/- per event + GST as applicable |
| Pre-closure charges: | |
| a) After Disbursement but Pre-Delivery | ₹ 750 + 24% of loan amount for number of such days lapsed + GST as applicable |
| b) Post-Delivery | 4% on the principal amount outstanding + GST as applicable |
| Interest on EMI Overdue | Interest shall be charged on EMI Dues @ Loan IRR |
| Penal Charges | Rs 500/- shall be charged per default + GST |
| NOC Charges | First: Nil; Duplicate NOC and thereafter: ₹ 100/- per event |
| Cheque/NACH Bounce Charges | At actuals |
| Repossession Charges | At actuals |
| Legal and Incidental Charges: | |
| a) Cheque Bounce Cases | Minimum of ₹ 1000/- per event or actual + GST |
| b) Arbitration | Minimum of ₹ 4500/- per event or actual + GST |
| Credit Bureau Report Charges (Only on request) | Minimum of ₹ 50/- per event or actual + GST |
| Bank & Postage Charges | At actuals |
| Stamp Duty | At actuals as levied by respective State Governments |
| Broken Period Interest | Based on the number of days between due date of last instalment and date of initiation of reschedule /pre-closure. |
