Fees & Charges for Chartered Accountant Loan are as follows-
|Types of Fees||Applicable Charges|
|Interest rate||8.5 to 17% p.a|
|Processing fee||Up to 2 % of the loan amount (Plus Applicable Taxes)|
Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
|Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
|Bounce charges||Upto 3000 (Inclusive of applicable taxes)|
|Penal interest (Applicable in case of non-payment of monthly instalment on/before the due date)||Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.|
|Document processing charges||Rs. 2000 + applicable taxes|
|Stamp Duty||At actuals. (as per State)|
|Flexi Term Loan||0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges.|
|Flexi Hybrid Loan||0.25 to 0.5% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.|
|Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment)||4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment|
|Flexi Term Loan||4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.|
|Flexi Hybrid Loan||4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.|
|Borrower Type||Time Period||Part-Prepayment Charges|
|Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant||More than 1 month from date of loan disbursal.||2% + applicable taxes on part-payment amount paid.|
Rejection Mandate Charge:
Mandate Rejection Service Charge*: Rs 450 (Inclusive of applicable taxes)
*Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
“Note: Additional cess will be applicable on all charges in accordance with the state specific laws.
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