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Particulars |
Processing Charges |
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1. Personal Loans |
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Easy Loan (Repayment of Old debts scheme) |
1.00% Min. Rs. 500.00 |
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Utsav Scheme |
1.00% Min. Rs. 500.00 |
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Consumer durable items Household items, House Repairs / Renovation (where property is not mortgaged) Ceremonial Loans |
1.00% Min. Rs. 500.00 |
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Consumer durable items Household items, House Repairs / Renovation (where property is not mortgaged) Ceremonial Loans |
1.00% Min. Rs. 500.00 |
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Clean cc up to Rs 1.75% |
1.00% Lakh Minimum |
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2. Business Loans |
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Business Loans, Cash credit, New renewal enhancement, Term Loan (Mortgage, Purchase of Business Property, Hypothecation of Plant & Machinery) LC and Bank guarantee. |
0.75% sanctioned loan amount |
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Legal Charges applicable for Commercial Loan and Advances where property mortgage is involved. |
0.10% of the amount of loan applied Minimum
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Enhancement in Working Capital facilities which includes Cash Credit, Flexi Overdraft, Bills Discounting limit, Project Loan, BG/LC limit etc. |
0.25% for renewal portion and 0.50% on enhanced limit.
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Review/Renewal of Working capital limits (e.g. Cash Credit, Flexi OD, PRLN, Pledge, Bills Discounting ,salary earners OD etc.) |
0.25% of the Sanctioned Loan Amount |
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3. Vehicle Loans |
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Vehicle Loans Personal & Commercial.
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1% sanctioned loan amount |
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Four Wheeler for personal use |
0.50% Minimum 1000.00 |
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| Two Wheeler for Personal Use |
0.50% Minimum 500.00 |
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4. Housing Loans |
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Housing Loan Upto Rs.20.00 Lakhs Above Rs.20.00 Lakhs |
0.25% Minimum 1000.00 |
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Housing Plus |
0.75% of the loan amount |
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5. Mortgage Loans |
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Mortgage Loans / O.D. / RPM (Gruha Saukhya / Gruha Sajawat) DNSB Vyapar Loan |
1% sanctioned loan amount & Minimum Rs. 500 |
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6. Advance against Share / Mutual Funds |
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Advance against Share / Mutual Funds / Debentures/ Govt. Bonds |
0.75% Min Rs. 500.00 + D'mat Charges + Other Charges as applicable |
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7. Advance against Govt. Securities & Gold |
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Advance against Govt. Securities - NSC / LIC / KVP / IVP & Gold Loan |
0.50% Loan amount Minimum Rs. 250 |
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8. AD-HOC Cash credit / TOD |
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AD-HOC Cash credit / TOD |
Rs. 5000.00 / or 1% of over limit whichever is maximum. |
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Request for releasing part amount from original sanctioned limit, pending compliance of few terms and conditions and/or request for modification of terms of sanction after issue of sanction letters |
For loan limits upto Rs.200.00 Lakhs. -Rs.2000/- per request For limits above Rs.200.00 Lakhs upto Rs.1000.00 Lakhs -Rs.5000/- per request. For limits above Rs,1000.00 Lakhs. -Rs.10000/- per request |
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9. Educational Loan |
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Educational Loan |
0.50% sanctioned loan amount |
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10. Loan for Handicapped |
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Loan to Handicapped persons |
Rs. 200.00 |
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Loan up to pensions |
0.25% up to sancation Loan amount Min. Rs100.00 |
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Loan up to professionals |
0.25% up to sancation Loan amount |
| Clean Cash Credit upto Rs.4.50 Lakhs | 1% of sanctioned loan amount.Minimum Rs.500/- | |
| DNS Laghu Udyojak Scheme/ Minus 2 & Minus 1 (For MSME Units) |
In case of takeover of accounts from other banks, no processing charges to be recovered however if enhanced limit granted , 0.50% on enhanced limits to be charged In case of other than takeover loans, 0.75% of loan sanctioned amount. |
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| Pledge Limit (Sugar & other commodities) |
New limit – 0.25% Renewal – 0.25% |
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In case of Fresh Business Loans, the abovementioned Processing Charges are to be recovered in stage wise.
| Stages | Revised Charges+GST |
| At the time of submission of proposal | 10% of total applicable processing charges of 0.75% i.e.0.075% of loan amount applied (Non Refundable). |
| At the time of In Principal Approval | 0.1875% i.e. 25% of applicable of processing charges |
| At the time of issuance of final sanction | 0.4875% i.e. 65% of applicable of processing charges |