FEATURES

Eligibility

FEES & CHARGES


Description of ChargesFacility TypeLoan amountCharges/ Fee AmountFrequency of charging
Supervision ChargesKGC CC (Other than allied and other cases)<= 10 lakhRs 750Half Yearly
>Rs 10 lakh- Rs 25 lakhRs 1250
>Rs 25 lakh- Rs 50 lakhRs 1500
>  Rs 50 lakhRs 3000
Allied Activities & Other<= 25 LakhRs 2000Quarterly
> Rs 25 lakh to Rs 50 lakhRs 2500
>  Rs 50 lakhRs 3000
Processing FeeRegular KGCAll2.0%Loan Processing & at the time of enhancement
KGC SaralAllRs 2500
Foreclosure Charges*KGC TLAll4% of outstanding amountAt the time of loan closure
pre closure of KGC  TL within  6 months is not allowed
KGC CC (> 1 year)AllNilNA
KGC CC (< 1 year)All4%At the time of loan closure
Late Payment PenaltyKGC TLAll2% p.m. on overdue amountAt the time of loan regularisation
KGC CCAll1.33% p.m. on overdue amountAt the time of loan regularisation
Stamp Duty & other statutory chargesAllAllAt actuals as per applicable laws of the StateLoan Processing
Legal, valuation and vetting chargesAllAllAt actualsAt the time of loan Processing
Cheque Bounce Charges*AllAllRs 550/-At the instant
Cheque Swapping ChargesAllAllRs 500/-Per transaction
CIBIL Report Copy ChargesAllAllRs 50/-Per request
Repayment Schedule ChargesAllAllRs. 200/-Per request





*Charges which are in nature of fees are EXCLUSIVE of service tax.

Service tax and other government levies, as applicable, would be charged additionally.

Average Rates offered to customer during the period of Oct'18 to Dec'18





Bank IRR
Min IRRMax IRRAvg IRR
9.25%16%11.34%
Average Annual Percentage Rate offered to customer during the period of Oct'18 to Dec'18



APR
Min APRMax APRAvg APR
9.25%16.05%11.34%
The above information is exclusive of accounts under government schemes.