Processing Charges

Processing Charges for Fund/Non-Fund based Working Capital Limit (Fresh/Renewal/Enhancement) and Term Loan (Fresh) other than Agriculture Loan/Limit:

Amount of Loan/Limit	Working Capital (Fresh/Renewal/Enhancement)	Term Loan (Fresh)
Up to Rs.25000/-	NIL	NIL
Above Rs.25000/-upto Rs.2.00 Lac	500/-	500/-
Above Rs.2.00 Lac upto Rs.10.00 Lac	0.50%	1.00%
Above Rs.10.00 Lac upto Rs.50.00 Lac	0.60%
Above Rs.50.00 Lac upto Rs.5.00 Cr	0.60%
Above Rs.5.00 Cr upto Rs.50 Cr	0.50%
Above Rs.50.00 Cr upto Rs.100 Cr	0.40%
Above Rs.100 Cr	0.30%

Processing Charges for Working Capital Limit/ Term Loan for Agriculture Loan/Limit:

Amount of Loan/Limit	WC	Term Loan
Upto Rs.50000/-	NIL	NIL
Above Rs.50000/- upto Rs.3 lac	Rs.500/-	Rs.500/-
Above Rs.3.00 Lac upto Rs.25 lac	0.40%	1.00%
Above Rs.25.00 Lac	0.50%	1.00%
Advances to Weaker Section	NIL
Advances under a Govt. Sponsored Scheme	As per Scheme specifications.

Note:

In case of agriculture advances- No Processing charges to be levied at the time of renewal.
In case of agriculture advances- Processing Fee will be applicable in case of enhancement above Rs.3.00 lakh, on enhanced portion only on pro-rata basis.
Enhancement/Renewal (other than agriculture advances): As per normal rates mentioned above in Table (A), on pro rata for the relevant period so as to coincide with the expiry date of original limit. I.e. processing charges to be recovered for short renewal/review period.
Expenses other than Process Fees (i.e. CIC/CERSAI/Insurance/NeSL charges/State specific Stamp Duty charges etc.) shall be borne by the borrower.
NeSL charges: Annual NeSL charges for staff, ex-staff accounts are exempted.