a

Appraisal and certification

Rs. 5 for every Rs. 1000/- of a loan amount or part thereof subject to a minimum of Rs.10/- and maximum of Rs.200/- for loan amount upto Rs. 5 lakhs. Rs. 250/- for loan amount above Rs. 5 lakhs.

b

Re-appraisal charges

Rs.5/ per account + Actual bus fare

c

Second Appraisal charges

Rs.30/- per account for limits above Rs.1 lakh, Rs.15/- per account for limits below Rs.1 lakh

d

Auction charges

Upto Rs.25000/- -Rs.50/-, Rs.25001-50000 Rs.100/-, Rs.50001-100000/- Rs.250/-, Above Rs.100000/- Rs.500/- (applicable GST shall also to be collected)

e

Attending gold auction

Rs.100/ per day

f

GST on gold auction

3% of auction proceeds

Loans up to Rs.3000/-

Nil

Rs.3001-5000/-

Nil

Rs.5001-10,000/-

Nil

Rs.10,001-25,000/

Nil

Rs.25,001-50,000/-

Rs.325/-

Rs.50,001-1.Lakhs

Rs.375/-

Rs.1,00,001-2 Lakhs

Rs.650/-

Rs.2,00,001-3 Lakhs

Rs.750/-

Rs.3,00,001-4 Lakhs

Rs.850/-

Rs.4,00,001-5 Lakhs

Rs.1000/-

Above Rs.5 Lakhs

Rs.1200/-

For AGLNC, the slab for Rs.50001-Rs.99999: Rs.375/-
Rs.1 lakh-Rs.2 lakh: Rs.650/-

THREE MONTH GOLD LOAN (TMGL)

Rs.600/-per lakh and part thereof.

a

CONSUMER per report

Rs.100/- + GST

b

COMMERCIAL per report

Rs.1000/- + GST

Up to Rs.25,000/-

Nil

SHORT TERM LOANS

Above 2 Lakhs

Rs.400 + GST per lakh or part thereof (subject to maximum Rs.15000)

TERM LOANS

Above Rs.2 lakh

Upfront fee of 1% of loan amount (maximum Rs.25000)

VEHICLE LOANS
(Both Priority & Non-priority)

0.25% of the loan amount with a min of Rs.1000/- +GST

HOUSING LOANS-Both Priority & Non-priority (Except PMAY loan up to Rs.6 lakh, MIG I up to Rs.9 lakh and MIG II up to Rs.12 lakh).

Upfront fee of 0.75% of loan amount, with a min of Rs.1000/- & max of Rs.10,000/- +GST

For PMAY loans up to Rs.6 lakhs, MIG I up to Rs.9 lakh and MIG II up to Rs.12 lakh.

Nil

EDUCATION LOANS

Inland studies: Nil & Study abroad: 1% of loan amount. +GST

a

SHORT TERM LOANS

Above Rs. 2 lakh

Rs.400 + GST per lakh or part thereof (subject to maximum Rs.15000/)

For running limits, charges will be debited at the time of opening and there after annually.

b

TERM LOANS

Upto Rs.25,000/-

Rs.150/- +GST

25,001- 2 Lakh

1%, minimum of Rs.500/- +GST

Above 2 Lakh

2% of loan amount with maximum of Rs.25,000/- +GST

Up to Rs.50,000/-

Rs.100/- +GST

50,001 – 2,00,000/-

Rs.200/- +GST

Above Rs.2.Lakh

0.10% of loan amount with minimum of Rs.250/- and maximum of Rs.25,000/- +GST

No inspection charges to Priority Sector Loans up to Rs.25000/- +GST

A)

KCC (Yearly One Visit)

Loan amount up to Rs 2 Lakh – Rs.200/-+ GST per inspection

Loan amount above Rs 2 Lakh and up to Rs 5 Lakh – Rs.250/-+ GST per inspection

Loan amount above Rs 5 Lakh – Rs.300/-+ GST per inspection

B)

C)

For running accounts for which stock inspection is mandatory 

Rs.25001-2 lakh

Yearly visit

Rs.250/- per inspection +GST

Rs.200001 – 5 lakh

Quarterly visit

Rs.250/- per inspection & maximum of Rs.1000/- per year +GST

Rs.500001 – 10 lakh

Monthly visit

Rs.150/- per inspection & maximum of Rs.1800/- per year +GST

Above 10 lakh

Monthly visit

Rs.200/- per inspection & maximum of Rs.2400/- per year +GST

D)

WORKING CAPITAL loans

0.25% on the entire unutilized portion, if average utilization is 60% or less (to be levied half yearly)

TERM LOANS – irrespective of working capital limit

1.20% of the delayed draw down beyond 2 months.

TAKE OVER/PREPAYMENT CHARGES

2% of the outstanding liability in case of takeover of the loan by other Bank/FI

CDB – DISCOUNTING CHARGES

Applicable collection charges plus interest @ Non-Priority maximum. (Minimum of 7 days interest to be charged)

PERFORMANCE GUARANTEE

Up to Rs.10 Lakh

Minimum Rs.1000/- plus 0.25% per month or part thereof. Minimum commission for 6.months(1.5%) to be collected, no maximum ceiling +GST

Above Rs.10 Lakh

Minimum Rs.2000/- plus 0.25% per month or part thereof. Minimum commission for 6 months(1.5%) to be collected, no maximum ceiling +GST

OTHER THAN PERFORMANCE GUARANTEE

Up to Rs.10 Lakh

Minimum Rs.1000/- plus 0.30% per month or part thereof. Minimum commission for 6.months(1.80%) to be collected, no maximum ceiling +GST

Above Rs.10 Lakh

Minimum Rs.2000/- plus 0.30% per month or part thereof. Minimum commission for 6 months(1.80%) to be collected, no maximum ceiling +GST

DELAYED SUBMISSION OF STOCK STATEMENTS

Rs.250/- per occasion in respect of CC limits

a

Land and Building

0.2% of loan amount , minimum Rs.1500/- & maximum Rs.3000/-

b

Plant, Machinery, Stock, Book Debt etc.

Rs.2000/- per occasion

c

All items together

0.2% of the loan amount outstanding , maximum Rs.4000, out of which, fee for value of the landed property should not exceed Rs.3000/-

d

 Issuing stage certificate where building construction is involved

 Rs.500/- for each stage

e

 Valuation Charges (Done by Branch official)

 0.2% of the loan amount with a minimum of Rs.500/ +GST

f

 Charge for assisting valuer by Officer/Manager

 Rs.500/- per visit +GST

g

 Charge for Term Loan subsequent stage disbursement visit by Officer/Manager

 Rs.200/ Instalment +GST

Valuation of immovable properties

The fee payable is fixed as Rs.2500/-. The above fee of Rs.2500/- is inclusive of conveyance charges, cost of photograph and other expenses

a

LSR Fee

In normal course LSR fee payable shall be Rs.2000/- and where complicated issues/scrutiny of multiple documents(more than 5) are involved, the fee payable shall be Rs. 3000/-
Regarding registry search, the fee payable shall be Rs.500/- for each individual search against search receipt.

b

Legal Notice Service Charges

For loans up to Rs.50,000/-

Rs.250/- + Actual postage per loan account

For loans above Rs.50,000/-

Rs.500/- + Actual postage per loan account and if notice is issued to more than 2 persons additional fee of Rs.100/- + actual postage for such additional notices.

a

Filing Suit without ABJ

Rs.750/- plus actual DTP/Photostat charges

b

Filing Suit with ABJ

Rs.1000/- plus actual DTP/Photostat charges

c

Filing EP

Rs.500/- plus actual DTP/Photostat charges

d

Charges for notices issued under SARFAESI

Rs.150/- plus actual postage for demand notices, possession notices and sale notices separately under SARFAESI action.

Particulars of creation or modification of security interest by way of mortgage by deposit of title deeds

Rs.100/- for creation and for any subsequent modification of security interest in favour of a secured creditor for a loan above Rs.5 lakh. For a loan up to Rs.5 lakh, the fee would be Rs.50/- for both creation and modification of security interest

Satisfaction of any existing security interest

Nil

Any application of information recorded/maintained in the register of any person.

Rs.10/-

Any application for condemnation of delay up to 30 days (Not exceeding 10 times of the basic fee applicable)

Delay of 31 days to 40 days

Twice the amount of applicable fee

Delay of 41 days to 50 days

Five times the amount of applicable fee

Delay of 51 days to 60 days

Ten times the amount of applicable fee

a

Within one month from the date of closure of loan at the rate of Rs.100/- per instrument + OPE

b

If lien cancellation is sought after 1 month from the date of closure of loan, charges will be Rs.200/- per instrument + OPE

The bank shall invariably furnish a copy of the loan agreement along with a copy of all enclosures quoted in the loan agreement to all the borrowers at the time of sanction/disbursement of loans, even in the absence of specific request from the borrower. Other than this, additional copies for specific purpose shall carry the following charges

Charges if copy of documents is for submission to any statutory authority

Rs.1000/- + Actual photocopying charges

Charges if presence of bank official is required along with the documents for obtention of photo copies.

Rs.2000/- + Actual photocopying charges + OPE

SOLVENCY CERTIFICATE

Commission on Solvency Certificate shall be at the rate of 0.10% of Solvency Certificate amount with a minimum of Rs.1000/- and maximum of Rs.20,000/- per Certificate

All the expenses actually incurred for servicing the borrowal accounts such as inspection, pre-sanction and post-sanction visits, recovery visits, insurance, valuation charges payable to approved valuators in respect of land, building, plant, machinery, vehicles, sending notices, etc. should be collected from the borrower.

Loans up to Rs.25000/-

Priority sector

Nil

Non- Priority sector

Rs.100/- +GST

Above Rs.25000/- and up to Rs.2 lakh
(Both Priority & Non-priority)

Rs.150/- +GST

Above Rs.2 lakh and up to Rs.10 lakh
(Both Priority & Non-priority)

Rs.250/- +GST

Above 10 lakh-Both Priority &Non-priority

Rs.500/- +GST

a

3 free transactions in Metros and 5 free transactions in all other centers

b

KGB Cards are allowed for unlimited free transactions in KGB and Canara Bank ATMs

c

Rs.24 for Financial transaction and Rs.12 for non-financial transaction over and above the permitted free transactions on other Bank ATMs.

ISSUANCE OF DUPLICATE DEBIT CARD

Rs.100/- +GST