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SECTION A.RETAIL CREDIT
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S NO |
SCHEMES |
PROCESSING FEES |
DOCUMENTATION CHARGES |
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1.1 |
Housing Loan |
0.50% of the loan amount Minimum – ₹2,500/- Maximum – ₹20,000/- |
₹ 1350/- |
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Takeover of Loan ₹2,500/- |
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1.2 |
Top Up Home Loan (Term Loan) |
0.50% of loan amount |
₹ 450/- |
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2.1 |
Cent Swabhiman Scheme |
0.15% + GST Maximum ₹15000/- |
₹ 1000/- |
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3.1 |
Earnest Money Deposit |
₹100/- per application |
NIL |
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4.1 |
Cent vehicle Four Wheeler |
0.50% of Loan Amount; Subject to Minimum: ₹ 2,000/-& Maximum: ₹ 20,000/- |
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4.2 |
Two Wheeler Loan – |
0.50% of Loan Amount; Subject to Minimum: ₹ 500/- & Maximum: ₹ 2,000/- |
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5.1 |
Education Loan (other than loan for overseas studies) |
NIL |
NIL |
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5.2 |
Children of Staff Members for Overseas studies |
NIL |
NIL |
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5.3 |
Overseas studies |
1% of the loan amount, Minimum ₹ 15,000/- (Non-refundable) |
NIL |
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6.1 |
Personal Loan |
1.00% of loan amount
Defence Personnel: NIL |
Up to ₹ 2 lakh- ₹270/- Above ₹ 2 lakh- ₹450/- For Defence Personnel: NIL
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6.3 |
Personal Loan to Pensioners |
NIL |
₹ 500/- |
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7. GOLD LOAN |
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Processing Fee |
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Appraisal Fee
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Table 1: Appraisal fee in case of fresh or renewal of gold loan and Appraiser is NOT registered under GST:
Table 2: Appraisal fee in case of fresh or renewal of gold loan and Appraiser is registered under GST (including Corporate Appraiser)
Table 3: Fee payable to Appraiser (NOT registered under GST)
Table 4: Fee payable to Appraiser (registered under GST) (including Corporate Appraiser)
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Safe Keeping Charges |
Safe Keeping charges will be levied after 30 days of expiry of tenure of the Gold Loan or after 30 days of closure of loan, if gold ornaments are not redeemed.
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Nomination Charges |
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8. ADVANCE AGAINST MORTGAGE OF IMMOVABLE PROPERTY |
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8.1 |
CENT MORTGAGE
Processing Fees |
For Term Loan – 1.00 % of sanctioned loan amount + GST & Maximum ₹ 50000.00/- Renewal Charges For OD - 0.50% + GST Maximum ₹ 5000.00 |
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8.2 |
Documentation Charges |
For loan up to ₹ 50.00 lakh – ₹ 2500/- For Loans above ₹ 50.00 lakh – ₹ 5000/- |
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9 |
Cent Rental Scheme Processing Fees |
1% of Loan amount + GST Max ₹ 3 lakh |
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9.2 |
Documentation Charges |
For loan up to ₹ 50.00 lakh – ₹ 2500/- For Loans above ₹ 50.00 lakh – ₹ 5000/- |
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Note: API Integration Charges of ₹ 81 + GST to be recovered for fresh proposal of Retail Loan. |
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Please Note ::
GST shall be applied wherever applicable in above mentioned service charges guidelines.
Further, for more details, kindly visit the nearest branch of our Bank.