Particulars

Charges W.E.F 01/05/2011

1. Processing Charges for

Working Capital Limits /
Renewal / Enhancement /
Extension of Limit

Priority Sector
Fresh Renewal
Nil Nil
0.50%0.40%

Upto Rs.25,000/Above Rs.25,000/- &

Upto Rs.2 lakhs
(plus applicable service tax)
Priority Sector above Rs.2 Lakhs & All other
Advances
Fresh Renewal
Upto Rs.5 Crores
0.50% 0.40%
Above Rs.5 Crores
0.40% 0.30%
(plus applicable service tax)
No Maximum Cap
Processing Charge is to be on Annual Basis. For the gap
between due date of existing sanction and renewal date,
processing charge to be collected on Pro-rata Basis
(Incase of Consortium/loans under syndication
arrangement the processing charge rates as collected by
the leader or the above rates which ever is higher)
2. Up-front fee for Term Loans
Priority Sector
Nil
Upto Rs.25,000/Above Rs.25,000/0.50%
& Upto Rs.2 lakhs
(plus applicable service tax)
Priority Sector above Rs.2 Lakhs & All other
Advances
1.00%
(plus applicable service tax)
3. Processing Charges for Adhoc I. For Exceedings/Adhoc allowed by DO/CO
/ One time / Exceeding in limits/
Rs.4000/Per Occasion
Upto Rs.10 lakhs
Over Rs.10 lakhs & upto
Rs.5000/Rs.20 lakhs
Over Rs,.20 lakhs & upto
Rs.6000/Rs.50 lakhs
Above Rs.50 lakhs & upto Rs.15,000/Rs.1.00 crore
Above Rs.1.00 crore
Rs.25,000/(plus applicable service tax)
II. For the Exceedings allowed under Branch Heads
discretion as per Credit Policy (for a period of 7 days
& 12 Occasions in the year)
Rs.1500/Upto Rs.10 lakh

4. Modification in Sanction
terms for each facility

5. Delay in submission of
renewal proposals / stock
statements / delay in submission
of FFS statements / Expiry of
limits / LC Devolvement ABP
6. Adhoc / Exceeding / TOD /
Withdrawal against uncleared
effects / overdue term loan
installments / overdue interest /
bills purchased/ discounted
returned
7. Inspection (hypothecated
assets) charges per occasion /
per godown/per visit

Above Rs.10 lakh & Upto

Rs.2500/Rs.25 lakh
Above Rs.25 lakh & Upto
Rs.4000/Rs.50 lakh
(plus applicable service tax)
In case of regularisation beyond 7 days, charges as
prescribed for Adhoc/Onetime/Exceeding Permitted by
CO/DO as in Para I may apply
i) Request for each modification in ROI
Rs.2000/Upto Rs.25 Lakh
Above Rs.25 Lakh & Upto
Rs.4000/Rs.100 Lakh
Above Rs.100 Lakh
Rs.6000/(For each facility)
(plus applicable service tax)
ii) For all other types of requests for modification in
sanction terms Rs.4000/- flat for each term/condition
(plus applicable service tax)
3% penal interest above the applicable rate for the facility
(plus applicable service tax)
3% penal interest above the applicable rate for the
facility
(plus applicable service tax)

Upto Rs.25 Lakh

Above Rs.25 Lakh & Upto
Rs.100 Lakh
Above Rs.100 Lakh

Rs.250/Rs.500/Rs.1000/-

(plus applicable service tax)

0.25% of the total limits sanctioned.
(plus applicable service tax)

8. Consortium advances where

we are the lead bank
BANK GUARANTEES
Commission for Unsecured and Partly
Secured BGs
A] For Performance Guarantees
B] For Other Guarantees

Charges W.E.F
01/05/2011
3% p.a. + Rs.1000/(plus applicable
service tax)
3% p.a. + Rs.1000/-

(plus applicable
service tax)
Commission for Guarantees secured
by 100% Cash Margin
A] For Performance Guarantees

0.60% p.a +
Rs.1000/(plus applicable
service tax)
B] For Other Guarantees
0.75% p.a. +
Rs.1000/(plus applicable
service tax)
At the time of renewal / extension of Bank Guarantee/s, handling charge of Rs.1000/- plus
applicable commission as per sanction terms, along with applicable Service Tax shall be
collected.
INLAND LETTER OF CREDIT
INLAND LC
Charges W.E.F 01/05/2011
Opening of LC
Rs. 2000/- + 0.75% per quarter or part
therof. Max. period covered by LC shall
be 180 days.
(plus applicable service tax)
Revolving LC
Commission @ 3% p.a. + Rs. 1000/- for
LC with reinstatement clause for the
sanctioned period or one year whichever
is lower.
In case of every reinstatement, the
following charges are applicable.
For Sight LC - Rs.2000/(plus applicable service tax)
For Usance LC Rs.2000/(plus applicable service tax)
For Exceeding/Adhoc LCs
0.15% per quarter in addition to the
above specified rates for the Adhoc /
Exceeded portion
Amendments
A] Extension of LC
Rs.1500/- + For every extension in the
period of LC, opening charges as
mentioned above to be collected
considering as if the LC is opened afresh
(plus applicable service tax)
B] Enhancement of Value
Rs.1500/- + Difference in the opening
charges as mentioned above for the
enhanced amount and the present amount
to be collected.
(plus applicable service tax)
C] Extending the Usance
Rs.1500/- + 75% of the opening charges

Period of LC.

D] Any other amendment

Documentation charges

as mentioned above for the enhanced

amount and the present amount to be
collected
(plus applicable service tax)
Rs.2000/- per amendment
(plus applicable service tax)
For Fresh limits
Nil

Upto Rs.25 Lacs

Above Rs.10 lakh & Upto
Rs.1,000
Rs.25 lakh
Above Rs.25 lakh & Upto
Rs.2,000
Rs.50 lakh
Above Rs.50 lakh & Upto
Rs.3,000
Rs.100 lakh
Above Rs.100 lakh & Upto
Rs.5,000
Rs.500 lakh
Above Rs.500 lakh
Rs.10,000
(plus applicable service tax)
Commitment charges (For
0.25% on the Unutilized portion, if the
sanctioned limit of Rs.100
utilization is less than 60% of the
lakh and above)
sanctioned limits
Non submission of audited
Upto Rs.25 lakh
Nil
balance sheets
Above Rs.25 lakh & Upto
Rs.500 pm
Rs.500 lakh
Above Rs.500 lakh
Rs.2,000
pm
(plus applicable service tax)
Reschedulement/Restructuring Upto Rs.10 lakh
NIL
of loans (Per occasion)
Above Rs.10 lakh & To Rs.50Rs.10,000/lakh
Above Rs.50 lakh & Upto
Rs.15,000/Rs.100 lakh
Above Rs.100 lakh
Rs.25,000/(plus applicable service tax)