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Chartered Accountant Loan - Fees & Charges

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 2.5% of the loan amount (Plus Applicable Taxes)
DOCUMENT/STATEMENT CHARGES

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) 2% per month
Document processing charges Rs. 1449 + applicable taxes

Annual/Additional Maintenance Charges

Loan Variant Charges
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.

Foreclosure Charges

Loan Variant Charges
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.

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 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.

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