Charges & Fees CAR LOAN KOTAK

PDC Swap Dehypothecation from RTO Duplicate NOC / Revalidation of date on NOC Duplicate RC LPG NOC NOC to convert from private to commercial( post credit approval) NOC for commercial to personal use NOC for inter state transfer SOA (Payment track only to be issued on written authorization of customer or in his presence) Repayment Schedule Foreclosure Report Foreclosure Charges Overdue Interest Dishonor charges per instance Collection Charges 5.75% of principal outstanding 3% on EMI outstanding

500 1000 750 750 2000 5000 2000 1000 500 250 250

500 Min 3% of EMI and Max depending upon location and bucket 3% of overdue amount,compounded monthly As applicable from time to time NIL

Charges of late payment of EMI Documentation Charges No Objection Certificate

Details of ICICI Personal Loan. Use our calculator to compare offers from multiple banks
Interest Rate (Monthly reducing balance) Processing Fees Loan Tenure Pre-closure Charges 16% to 24% fixed 2% to 3% of loan amount 1 year to 4 years 4% of pre-closed amount

Loan Amount Guarantor Requirement

Rs. 1 lakh to Rs. 10 lakhs No guarantor required

General Schedule of Features and Charges for Loan

Rates as of November 1, 2008

Loan

Personal Loan

Housing Finance

Commercia Constructio Saral Auto Tractor l Vehicle n Finance Equipment

Loan Processing Charges

Upto 3% of Upto 1.25% Upto 3% of Upto 3% of Upto 3% of Upto 3% of Loan of Loan Loan Loan amount Loan Loan amount amount amount amount amount

Documentatio Upto Rs.5000 n charges

0.5% of the Upto Loan Rs.5000 amount

Upto Rs.5000

Upto Rs.5000

Upto Rs.5000

Stamping Charges

Applicable as per the respective States Stamp Act

Applicable as per the respective States Stamp Act

Applicable as per the respective States Stamp Act

Applicable as per the respective States Stamp Act

Applicable as per the respective States Stamp Act

Applicable as per the respective States Stamp Act

Loan Cancellation charges

Upto Upto Upto Upto Upto Upto Rs.2500 per Rs.2500 per Rs.2500 per Rs.2500 per Rs.2500 per Rs.2500 per Agreement Agreement Agreement Agreement Agreement Agreement

Ove due Interest

3% of Overdue Amount, compounde d monthly

3% of Overdue Amount, compounde d monthly

3% of Overdue Amount, compounde d monthly

3% of Overdue Amount, compounded monthly

3% of Overdue Amount, compounde d monthly

3% of Overdue Amount, compounde d monthly

Collection charges

30% of penal and cheque

30% of penal and cheque

30% of penal and cheque

30% of penal 30% of and cheque penal and bouncing cheque

30% of penal and cheque

bouncing charges

bouncing charges

bouncing charges

charges

bouncing charges

bouncing charges

Dishonour charges per Instance

Rs.750.00

Rs.750.00

Rs.750.00

Rs.750.00

Rs.750.00

Rs.750.00

Swap Charges( Replacement of PDCs)

Upto Rs.500 per Swap per Instance

Upto Rs.500 per Swap per Instance

Upto Rs.500 per Swap per Instance

Upto Rs.500 Upto per Swap per Rs.500 per Instance Swap per Instance

Upto Rs.500 per Swap per Instance

Prepayment Interest

6%,if within 6 months of the date of Agreement, 5% after 6 months

2% of 5% of 5% of Principal Principal Principal Outstanding outstanding outstanding +2% on amount prepaid in last 12 months

7% ,if 5% of within 12 Principal months of outstanding the date of Agreement, 5% after 12 months

Audit and Inspection charges

NA

NA

NA

NA

NA

Rs.1000/ per year

Rs.500/Duplicate Issue of NOC

Rs.500/-

Rs.500/-

Rs.500/-

Rs.500/-

Rs.500/-

Solvency Certificate

Rs. 1000/-

Rs. 1000/-

Rs. 1000/-

Rs. 1000/-

Rs. 1000/-

Rs. 1000/-

No Due Certificate

NIL

NIL

NIL

NIL

NIL

NIL

NA Charges for changing from Fixed to floating rates

NA

NA

NA

NA

NA

of Interest and Vice versa

Rs 50/Charges for furnishing a copy of the credit information report (CIBIL) to the applicant.

Rs 50/-

Charges applicable in case customer requests for copies of records pertaining to his transactions.

Once yearly without any charge. Post that 250 Rs per request.

Once yearly without any charge. Post that 250 Rs per request.

kotak

Highlights

Salaried Loan Type Loan Amount Tenure Interest Rate Time to Process Loan
Fees & charges

Self Employed Term Loan Min. - Rs 50000 Max. - Rs 5000000 Min. - 12 months. Max. - 36 months. Min. - 15 % Max. - 28 % 3 days

Term Loan Min. - Rs 50000 Max. - Rs 5000000 Min. - 12 months. Max. - 60 months. Min. - 15 % Max. - 28 % 3 days

Salaried Processing Fee Cheque Bouncing Charges Pre-Payment Charges Cheque Swapping Charges Documentation Charges Loan Cancellation Charges 4% 500 Rs 5% 500 Rs 1000 Rs 2000 Rs

Self Employed 4% 500 Rs 5% 500 Rs 1000 Rs 2000 Rs

Cl k
Kotak bank has designed different schemes - Margin Money, Step up Scheme, low EMI balloon scheme and Advance EMI scheme to suit your individual requirements. Bank offers up to 90% of the ex-showroom price with flexible repayment option. Bank from time to time gets into tie-ups with various manufacturers and brings in special schemes for its customers.

Loan Type Ex-Showroom/On Road Loan Amount

Term Loan On Road 75000.00 Rs - 90.00% (Maximum allowable loan amount is Rs 15 lakhs.)

Tenure Interest Rate Time to Process Loan

12 - 60 months 10.00% 2 Days

Charges:
Cheque Bouncing Charges FC Charges Stamp Duty Late Payment Penalty Pre-Payment Charges Cheque Swapping Charges Origination Charges Loan Cancellation/Rebooking Charges Statement Charges Duplicate Repayment Schedule Charges Legal, Repossession and Incidental Charges Duplicate No Due Certificate / NOC Charges Changing Fixed to Floating rate of interest Charges Changing Floating to Fixed rate of interest Charges Document Retrieval Charges Rs 350.00 Rs 0.00 100 0.00% 5.00% Rs 500.00 0.00% Rs 3000.00 Rs 250.00 (Per Statement) Rs 250.00 As Per Actuals Rs 500.00 Rs 0.00 Rs 0.00 Rs 0.00

HDFC bank offers you a unique car loan plans. Fast track car loan plan, Advantage platinum Credit Card Plan, No Income-Document Loan Plan, 100% Loan Plan with Fixed Deposit Lien, NRI Loans, Past re-payment history and Approval Plan. To get one of these offers you have to fulfill terms and conditions laid by the bank.

Loan Type Ex-Showroom/On Road Loan Amount

Term Loan Ex-Showroom 50000.00 Rs - 100.00% (Loan Amount : up to 3 times your annual salary and 6 times of annual income)

Tenure Interest Rate Time to Process Loan

12 - 84 months 11.00% 2 Days

Charges:
Cheque Bouncing Charges FC Charges Stamp Duty Late Payment Penalty Pre-Payment Charges Cheque Swapping Charges Origination Charges Loan Cancellation/Rebooking Charges Statement Charges Duplicate Repayment Schedule Charges Legal, Repossession and Incidental Charges Duplicate No Due Certificate / NOC Charges Changing Fixed to Floating rate of interest Charges Changing Floating to Fixed rate of interest Charges Document Retrieval Charges Rs 450.00 Rs 0.00 As Per Actuals 2.00% 0.00% Rs 500.00 0.00% Rs 1000.00 Rs 500.00 (Per Statement) Rs 500.00 As Per Actuals Rs 500.00 Rs 0.00 Rs 0.00 Rs 0.00

AXIS BANK

Axis Bank offers car loan Power Drive for the new cars. No income proof is required. Bank has special schemes for its Salary and Priority account holders. Repayment tenure of loan is from 1 year to 7 years.

Loan Type Ex-Showroom/On Road Loan Amount

Term Loan On Road 100000.00 Rs - 85.00%

Tenure Interest Rate Time to Process Loan

12 - 84 months 15.50% 0 Days

Charges:
Cheque Bouncing Charges FC Charges Stamp Duty Late Payment Penalty Pre-Payment Charges Cheque Swapping Charges Origination Charges Loan Cancellation/Rebooking Charges Statement Charges Duplicate Repayment Schedule Charges Legal, Repossession and Incidental Charges Duplicate No Due Certificate / NOC Charges Changing Fixed to Floating rate of interest Charges Changing Floating to Fixed rate of interest Charges Document Retrieval Charges Rs 0.00 Rs 0.00 As Per Actuals 0.00% 0.00% Rs 0.00 0.00% Rs 0.00 Rs 0.00 (Per Statement) Rs 0.00 As Per Actuals Rs 0.00 Rs 0.00 Rs 0.00 Rs 0.00

Application Process:

ICICI Bank

Be a proud owner of a new car with ICICI Bank car loan. Bank offers up to 90% of the ex-showroom price of the car. The loan process is simple and can repay loan by up to 5 years. Bank offers fixed interest rate on loan. Bank interest charges differ according to the car model, the tenure of the loan, the customer and his location.

Loan Type Ex-Showroom/On Road Loan Amount

Term Loan Ex-Showroom 100000.00 Rs - 90.00% (Loan is available for a minimum of Rs 1 lakh. The bank covers 90% of the ex showroom price of the car.)

Tenure Interest Rate Time to Process Loan

12 - 60 months 16.75% 7 Days

Charges:
Cheque Bouncing Charges FC Charges Stamp Duty Late Payment Penalty Pre-Payment Charges Cheque Swapping Charges Origination Charges Loan Cancellation/Rebooking Charges Statement Charges Duplicate Repayment Schedule Charges Legal, Repossession and Incidental Charges Duplicate No Due Certificate / NOC Charges Changing Fixed to Floating rate of interest Charges Changing Floating to Fixed rate of interest Charges Document Retrieval Charges Rs 450.00 Rs 0.00 As Per Actuals 2.00% 5.00% Rs 500.00 0.00% Rs 0.00 Rs 500.00 (Per Statement) Rs 500.00 As Per Actuals Rs 500.00 Rs 0.00 Rs 0.00 Rs 0.00

Application Process: