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Chartered Accountant Loan Interest Rate

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Chartered Accountant Loan - Fees & Charges

Fees & Charges for Business Loan for CAs are as follows -

Types of Fees Applicable Charges
Interest rate 14 to 17% p.a
Processing fee Up to 2% of the loan amount for salaried individuals
Loan statement charges Rs. 50
Interest & Principal statement charges Nil
EMI bounce charges Rs.3000 (Inclusive of applicable taxes)
Penal interest (Applicable in case of non-payment of monthly instalment on/before the due date) 2% per month + applicable taxes
Document processing charges Rs. 1449 + applicable taxes
Outstation collection charges Rs. 65 + applicable taxes per repayment instrument
Other penal charges NIL
Stamp duty Percentage or Amount – Mentioned state wise
Upfront interest NIL
Service charges NIL

Annual/Additional Maintenance Charges

Details Charges
Flexi Term Loan 0.25% of the current Flexi Term Loan amount + applicable taxes (as per the repayment schedule) on the date of levy of such charges
Flexi Hybrid Loan 0.5% of the loan amount + applicable taxes during initial tenure. 0.25% of the current Flexi Term Loan amount + applicable taxes during Subsequent Tenure

Foreclosure Charges

Details Full Pre-Payment Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Installment) 4% on the Loan amount + applicable taxes outstanding as on the date of such full Pre-Payment
Flexi Term Loan 4% on the current Flexi Term Loan amount + applicable taxes (as per the repayment schedule) on the date of levy of such charges
Flexi Hybrid Loan 4% on the Loan amount* + applicable taxes during initial tenor 4% on the current Flexi Term Loan amount plus applicable taxes* during subsequent tenor

Part-Prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate 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.

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