Experience the world of simplified banking and exclusive benefits.

Capital SFB

Schedule of charges on Loans & Advances

  1. Home
  2. Schedule of charges on Loans & Advances
Particulars Processing Fees Review / Renewal Charges Inspection Charges
Auto Loan Two Wheelers – 1% or Rs.500.00 whichever is higher
Other than two wheelers – 0.50% of the loan amount		 Review: Nil
Renewal: N.A. 		NIL
Commercial Vehicle/ Transport Loans 1% of the loan amount Review: Nil
Renewal: N.A.		 NIL
Personal / Consumer Loan 1.00% Minimum Rs.500.00 whichever is higher Review: Nil
Renewal: N.A.		 NIL
Housing Loan 0.50% Review: Nil
Renewal: N.A.		 Upto Rs.25000.00 - Nil
Rs.25001.00 to Rs.2.00 Lac - Rs.100.00 Per half year
Rs. 2 lac to Rs.10 lac -Rs.200.00 Per half year.
Rs.10.00 lac - Rs.300.00 Per half year
Loan / Limit to Traders / MSME/ Large Enterprises Loan / limit up to Rs.25000.00 – Nil
Above Rs.25000.00 to Rs.7.50 lac1.00%
Above Rs.7.50 lac – 0.50%
Minimum – Rs.500.00		 Review: Nil Renewal: Up to Rs.25000.00 – Nil
Above Rs.25000.00
Rs.300.00* per Lac
Minimum: Rs.500.00		 Upto Rs.25000.00 - Nil
Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year
Rs. 2.00 lac to Rs.10.00 lac - Rs.300.00 Per half year.
Rs.10.00 lac to Rs.30.00 Lac - Rs.400.00 Per half year.
Above Rs.30.00 lac to Rs.50 lac - Rs.750.00 Per half year
Above Rs.50 lac - Rs.1000.00 Per half year
Loan / Limit against Immovable property / NBFC /MFI /HFC 1.00% Minimum – Rs.1000.00 Review: Nil Renewal: Up to Rs.25000.00 – Nil
Above Rs.25000.00
Rs.200.00* per Lac
Minimum: Rs.1000.00		 Upto Rs.25000.00 - Nil
Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year
Rs. 2 lac to Rs.10 lac Rs.300.00 Per half year.
Rs.10 lac to Rs.30 lac Rs.400.00 Per half year.
Above Rs.30 lac to Rs.50 lac - Rs.750.00 Per half year
Above Rs.50 lac - Rs.1000.00 Per half year
KCC Limit/Agricultural loan Up to Rs.50000.00 Nil
Above Rs.50000.00 to Rs.12.50 lac - 0.5% of the amount of limit
Above Rs.12.50 to Rs.25.00 lac - 0.75% of the amount of limit
Above Rs.25.00 lac – 1% of the amount of limit		 Review: Nil
Renewal (Once in five years) Up to Rs.2.00 Lac - Nil
Above Rs.2.00 Lac to Rs.25.00 lac Rs.200.00* per Lac
Above Rs.25.00 lac – Rs.400 per lac
Min: Rs.500.00		 Upto Rs.25000.00 - Nil
Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year
Rs. 2 lac to Rs.10 lac Rs.300.00 Per half year.
Rs.10 lac to Rs.30 lac Rs.400.00 Per half year.
Above Rs.30 lac to Rs.50 lac - Rs.750.00 Per half year
Above Rs.50 lac - Rs.1000.00 Per half year
Demand Loan / OD facility to the Govt. PSU / Salaried employees 1.00% Review: Nil
Renewal (in case of OD Facility)
Rs.200.00 (Flat)		 Nil
Loan against Bank deposits Nil Nil Nil
Loan against stocks / shares 1% of the Loan amount Minimum: Rs.1000.00 Review: Nil
Renewal: Up to Rs.25000.00 – Nil
Above Rs.25000.00
Rs.200.00* per Lac
Minimum: Rs.500.00
Maximum: Rs.50000.00		 Nil
Loans / limit against NSC / KVP Rs.100.00 flat Review: Nil
Renewal: Rs.100.00 (Flat)		 Nil
Education Loan 1.00% of the loan amount Minimum: Rs.1000.00 Review: Nil
Renewal: N.A.		 Nil
Refinancing of Pre-owned 1.00% of the loan amount Minimum – Rs.2500.00 Review: Nil
Renewal: N.A.		 Upto Rs.25000.00 -Nil
Rs.25001.00 to Rs.2.00 Lac - Rs.200.00 Per half year
Rs. 2 lac to Rs.10 lac Rs.300.00 Per half year.
Rs.10 lac to Rs.30 lac Rs.400.00 Per half year.
Rs.30 lac to Rs.50 lac Rs.750.00 Per half year
Above Rs.50 lac - Rs.1000.00 Per half year
Premature Charges The premature closure/Takeover charges shall not be levied in following cases :-
1. Housing Loans
2. All floating rate term loans sanctioned to individual borrowers with or without coobligant(s) for purpose other than business.
3. Fixed rate loans to MSME borrowers up to 50.00 lacs.
4.  Floating rate loans to MSME borrowers.

In other cases the premature closure charges shall be levied as under :-
Auto Loan :
In case the account is adjusted before 1 year of the scheduled date of expiry, or it is taken over by some other bank, premature charges will be levied @ 2%
Minimum Rs.500.00
Term Loans for Rs.1 Cr & above and Project Loans (irrespective of amount):

If adjusted/taken over within Charges
1 year of account opening 5%
2 years of account opening 4%
3 years of account opening 3%
After 3 years but before 1 year of scheduled date of expiry 2

Other Loans :
In case the account is adjusted before 1 year of the scheduled date of expiry, premature charges will be levied @ 1%
In case the account is taken over by some other bank, the premature charges will be levied @ 2%.
Minimum Rs.500.00
(Charges to be calculated on outstanding balance or Drawing Power, whichever is higher)
Follow up & Recovery Charges Loan Amount Upto Rs.5.00 lac - Rs.250.00 per event.
Rs.5.00 lac to Rs.25.00 lac - Rs.500.00 per event.
Above Rs.25.00 lac - Rs.750.00 per event.
Repossession Charges Loan Amount Upto Rs.5.00 lac - Rs.5000.00*
Rs.5.00 lac to Rs.25.00 lac - Rs.15000.00*
Above Rs.25.00 lac - Rs.20000.00*
*or actual amount spent, whichever is higher.
Charges on the sanction of Ad hoc limit Same in case of Ad-hoc limit sanctioned in case of CC / OD accounts.
Up to Rs.2.00 Lac                                   Rs.500.00
Above Rs.2.00 Lac                                 0.50% of the Ad-hoc limit, Minimum: Rs.1000.00
Purchase / Discount of Cheques / Drafts Local Cheques Discounting: Interest as applicable to TOD for the period Bank remains out of funds.
Outstation Cheques: Interest as applicable to clean overdrafts minimum for 5 days + Collection Charges for cheques / bills as applicable
Cheque/SI/NACH Return Charges

Cheque return/SI (Inward)

₹ 250

NACH return (Inward)

₹100

Cheque return (outward)

₹75
Bank Guarantee charges
Cash Margin 100% 50% to 99% 25% to 49%
Performance Rs.100 +(p.a.) 1% 2% 2.50%
Financial Rs.100 +(p.a.) 1% 2.25% 3.00%


Note :
1. Minimum charges for three months.
2. B.G. Charges to be charged for period inclusive of claim period.
3. B.G. Amendment charges Rs.1000.00 per event.
Letter of Credit Charges Charges as prescribed by FEDAI from time to time.
Charges for substitution of property Limit/Loan upto Rs.5.00 lac – Rs.2500/-
Above 5.00 lac upto Rs.10.00 lac-Rs.3000/-
Above Rs.10.00 lac upto Rs.25.00 lac – Rs.4000/-
Above Rs.25.00 lac – Rs.5000/-
(Not applicable in deceased cases.)
Commitment Charges for CC/OD limits for Business In case of utilization below 65% of Sanctioned Limit/Drawing Power –

Working Capital Limits upto Rs.5.00 lac Nil
Rs.5.00 lac to Rs.25.00 lac 1% of the amount underutilized subject to maximum of Rs.5000 per annum
Rs.25.00 lac to Rs.50.00 lac 1% of the amount underutilized subject to maximum of Rs.10,000 per annum
Above Rs.50.00 lac 0.75% of the amount underutilized


NOTE:
1. The power to grant exception/concession in the Commitment charges shall be as per the empowerment matrix applicable for Processing charges.
2. The charges shall be calculated and charged immediately after the end of each FY.
3. Average balance utilization for the complete financial year shall be considered for calculation.
4. In case, the ageing of account is less than one year, the average balance utilization for such shorter period shall be considered and charges shall be calculated on pro-rata basis. However, the charges shall not be applicable in case the ageing of account is less than 6 months.

Instances
1. In CC limit of Rs.40 lac, the average utilization during the FY is Rs.10 lac, i.e. 25% of the sanctioned limit. The underutilized amount shall be Rs.16 lac [40 lac*(65%-25%)].
The Commitment charges in this case shall be [1%*40 lac*(65%-25%)] = Rs.16,000 subject to max. Rs.10000. Thus, only Rs.10,000 shall be charged.
2. In CC limit of Rs.100 lac, the average utilization during the FY is Rs.30 lac, i.e. 30% of the sanctioned limit. The underutilized amount shall be Rs.35 lac [100 lac*(65%-30%)].
The Commitment charges in this case shall be [0.75%*100 lac*(65%-30%)]=Rs.26,250.
3. In CC limit of Rs.100 lac, the average utilization during the FY is Rs.80 lac, i.e. 80% of the sanctioned limit. Commitment charges shall not be applicable in the said case.
Solvency Certificate Charges Upto Rs.100.00 lacs – Rs.1000.00 per event
Above Rs.100.00 lacs – Rs.5000.00 per event
N.A. for clients availing working capital limits from CSFB
Credit Bureau Score Verification Charges
Individual - Rs. 75.00 Per Report
Commercial - Rs. 500.00 Per Report
Cash Handling Charges(CC/OD Accounts)
Limit to Multiplier Cash Deposit Charges*(Per Month)
Upto 5 times of average utilization subject to min of Rs. 5 lacs No Charges
Above 5 times but not more than 7.5 times average utilization subject to min of Rs. 5 lacsRs 2/1000
Above 5 times but not more than 15 times average utilization subject to min of Rs. 5 lacs
Rs 3/1000
Above 5 and more than 15 times average utilization subject to min of Rs. 5 lacs
Rs 4/1000
*For small denomination , charges will be applicable as per note 2 below.
NOTE:
1. In case of account remains in credit balance throughout the month, charges shall be applied as per Current Plus Account Category
2. Small domination notes (Rs 50 & below) shall be accepted upto Maximum of Rs 20000 per account per month fee of cost, afterwards Rs 10 per packet shall be charged.
3. Average utilization shall be considered for the immediately preceding month. 
4. In OD, against deposit the minimum exemption limit shall be Rs 2.5 lac, over and above shall be charged as per above schedule.
Penal Charges The charges shall be applicable as per following matrix :-
a) For accounts remaining overdue 

Overdue Amount Charges to be levied
Up to Rs.1000 NIL
Above Rs.1000- up to Rs.2 lacs Rs.5 Per day of overdue
Above Rs.2 lacs – up to Rs.5 lacs Rs.15 Per day of overdue
Above Rs.5 lacs – up to Rs.10 lacs Rs.45 Per day of overdue
Above Rs.10 lacs – up to Rs.20 lacs Rs.85 Per day of overdue
Above Rs.20 lacs – up to Rs.50 lacs Rs.200 Per day of overdue
Above Rs.50 lacs – up to Rs.100 lacs Rs.500 Per day of overdue
Above Rs.100 lacs Rs.1500 Per day of overdue

b) Pending Renewal, (c) Non submission of stock statement, and (d) Noncompliance of terms of sanction
Loan Sanction Amount Charges to be levied
Up to Rs.10 lacs Rs.30 Per day of pendency
Above Rs.10 lacs – up to Rs.25 lacs Rs.100 Per day of pendency
Above Rs.25 lacs – up to Rs.50 lacs Rs. 200 Per day of pendency
Above Rs.50 lacs – up to Rs.100 lacs Rs.400 Per day of pendency
Above Rs.100 lacs Rs. 750 Per day of pendency

NOTE:
1. Above charge amount is exclusive of the applicable taxes.
2. Basis the nature of default i.e. (a), (b), (c) or (d), the system shall compute the penal charges for each day and the aggregate amount shall be debited to the loan account at the month end.
3. In case of multiple trigger events occurring simultaneously on the same day in an account, the highest applicable charges out of all the trigger events for the respective day shall be considered.
4. For Zero DP CCOD accounts, the applicable charges shall be sum of the charges applicable for A) Amount Overdue; and B) Renewal/Stock statement pendency.
Note:

1. No Processing, loan related or other service charges to be levied on Priority Sector Loans upto Rs.25000.00 (including GCC, DRI, Debt Swap.

2. DD Charges, Collection charges & other service charges in case of CC/OD Limit upto Rs.2.00 lac shall be applicable as per Normal Current Account scheme.

3. DD Charges, Collection charges & other service charges in case of CC/OD Limit above Rs.2.00 lac shall be applicable as per Capital Current Account scheme.

  • CIN No. : L65110PB1999PLC022634
Menu