Rs. 0.75 per ₹1,000/- + GST
Minimum ₹50/- + GSTMaximum Rs. 20,000/- + GST

Savings Bank Accounts: Rs.200/- + GST Individuals (Excluding Basic & Small accounts under Financial Inclusion)

Current Accounts: Rs.600/- + GST  for Non individual & Individual Current Accounts (excluding Govt.Accounts)

PARTICULARS

1

AGRICULTURE SEGMENT

a)

Up to RS.50,000/- -

NIL

b)

Rs.25,001 to Rs.50,000/-

Rs.300/- P.A.

c)

Rs.50,001/- to Rs.1.00 Lakh-

Rs.600/- P.A

d)

Above Rs.1.00 Lakh

0.8%  of the Loan Amount, subject to a maximum of Rs.3,000/-

2

SHG SEGMENT

NIL

3

EDUCATIONAL     TERM  LOANS/ PERSONAL  LOANS     (CDLS), PGLS, SHGS , DEMAND LOANS     AGAINST    TDRS/LIC/KVPS/NSC AND SB CUM OVERDRAFT

a)

NIL

4

HOUSING LOANS

a)

Up to Rs.50,000/-

NIL

b)

Above Rs.50,000/-

Rs.1,500/- P.A in case of  irregular account.

5

ALL     OTHER  NON  FARM     SECTOR  LOANS  (INCLUDING     PERSONAL  SEGMENT  LOANS     AND  SOLAR  UNITS     ETC.).  EXCLUDING  GOLD     LOANS,  LOANS  AGAINST DEPOSITS

a)

Up to RS.25,000/- -

test

b)

Rs.25,001 to Rs.50,000/-

Rs.400/- P.A

c)

Rs.50,001/- to Rs.1.00 lac-

Rs.500/- P.A

d)

Above Rs.1.00 Lakh and up to Rs.15.00 lakhs

0.7% of the Loan Amount, subject to a maximum of Rs.4,000/-

e)

Above Rs.15.00 Lakhs and up to Rs.25.00 lakhs

0.4%  of the Loan Amount, subject to a maximum of Rs.5,000/-

f)

Above Rs.25.00 Lakhs and up to Rs.100.00 lakhs

0.3%  of the Loan Amount,  subject to a maximum of Rs.10,000/-

g)

Above Rs.100.00 Lakhs

0.2%  of the Loan Amount, subject to a maximum of Rs.20,000/-

a)

Up to Rs.50,000/-

Rs.130/- P.A

b)

Rs.50,001/- and above.

Rs.275/- P.A

c)

SB CUM OD

NIL

D)

SHG

NIL

a)

Penal Interest for advances other than Agriculture where limit is > Rs.25,000/- including  mentioned here Kisan  vikas     Kanchan,   Vikas   saral     tractor,  Harvestor,   Kisan Vikas, two wheeler, 3-4 wheeler, tractor plus.

2% on the Loan overdue amount.

a)

All loans except HLs, KCC,  Loan against Deposit.

If     loan  is  closed     within  12  months     from  the  date     of sanction, 2% of outstanding     amount pre-paid should be charged

b)

Personal Gold Loans (if closed within a month)

Up to Rs.1.00 Lakh : Rs.300/- (Besides Actual Interest)

Above Rs.1.00 Lakh : Rs.400/- (Besides Actual Interest)

S. No

PARTICULARS

a.

For Issue of Solvency certificate

Rs.600/- per Lac, subject to a maximum of Rs.25,000/-

b.

Equitable Mortgage (one time measure)

0.25% of the limit, subject to a minimum of Rs.500/-

c

Commission on Issue of guarantees

i.

Against 100 % cash deposit

Rs.550/- PLUS 0.75 % P.A 

ii.

Against 50 % cash deposit

Rs.550/- PLUS 3.00 % P.A

d.

Charges for serving notices to defaulted customers

i)

Ordinary Notice

Rs.25/- per person

ii)

Registered / Courier Notice

Rs.50/- per person

iii)

Legal Notice

i) Loan Amount upto Rs. 100000/-

a) Rs. 150/- + postage

b) Rs. 200/- + postage in case of one guarantor.

c) Rs. 250/- + Postage in case of more than one guarantor. ii) Loan Amount above Rs. 100000/-

a) Rs. 200/- + postage

b) Rs. 250/- + postage in case of one guarantor

c) Rs. 300/- + postage in case of more than one guarantor.

Demand Notice (SARFAESI ACT)

Possession Notice(SARFAESI ACT)

e.

No Due Certificate for all segments customers

i). Priority sector - NIL
 ii). Others Rs.150/-

f.

Non Submission of audited balance Sheet in respect of SME loans

For Limits of Rs.10 Lakhs and above:  Rs.1200/- per month, if not submitted within 6-8 months of Financial year end.

g.

Non Submission of Stock statement

Non-submission of Stock statement Rs.300/- p.m., (if not submitted within 7 days of due date).

h

Up to any amount

Rs.400 irrespective of amount

Up to Rs.1,00,000/-

Rs.250 /-

Above Rs.1,00,000/-

Rs.300/-

Rs.150/-irrespective of amount

j

Housing Loan switch over charges

0.50% of the Loan Outstanding

k

APGVB Home TOP Up loan switch over charges

0.50% on the Loan Outstanding

l

Pre- closure  Take over charges

2% on the Loan Outstanding

m

Collection of Outstation Cheques (All segments) Failed EMI excluding Govt. sponsored schemes, per EMI.

Rs.350/-

n

Gold Loan Safe Keeping Charges

2%  on the Loan Outstanding  with     a maximum of Rs.1,000/- per account.

o

Service Charges for providing  credit information report

For individual customers Rs.200/-

p

Documentation Charges

Asset Backed Loans

Rs.2,000/- (as one time measure irrespective of loan limit)

AB CRE-RH
 ( Minimum Loan limit Rs.100 lakh)

Rs.10,000/- (as one time measure irrespective of loan limit)

Rent Plus

Rs.2,000/- (as one time measure irrespective of loan limit)

Vahana Vikas

SRTO

Up to  Rs.2     lakh  Nil  and     above  Rs.2  lakh     Rs.400/-  per  lakh     or part thereof, subject to a maximum     of Rs.12500/-

Combined Harvester

Rs.1,000/- (as one time measure irrespective of loan limit)

Vikas Doctor Plus

Rs.5,000/- (as one time measure irrespective of loan limit)

Tractor Plus/Saral Reactor

Rs.1,000/- (as one time measure irrespective of loan limit)

Housing Loans (Loan Limit Above 

Rs.5 Lakhs).

Rs.3,000/- (as one time measure irrespective of loan limit)

Take Over Of Loans  (Other Than SHG)

Rs.3,000/- (as one time measure irrespective of loan limit)