Schedule of Charges (Amt in Rs)

Products/Type of charges CONSUMER DURABLE TWO WHEELER USED CAR PERSONAL LOAN BUSINESS LOAN HOME EQUITY HOME LOAN
1st Presentation EMI Bounce charges each month

400

400

400

400

400

400

400

2nd Presentation Bounce charges each month

400

400

400

400

400

400

400

Late payment/Penal charges (per month) 2% of the unpaid EMI or Rs 300 whichever is higher 2% of the unpaid EMI or Rs 300 whichever is higher 2% of the unpaid EMI or Rs 300 whichever is higher 2% of the unpaid EMI or Rs 300 whichever is higher 2% of the unpaid EMI or Rs 300 whichever is higher 2% of the unpaid EMI or Rs 300 whichever is higher 2% of the unpaid EMI or Rs 300 whichever is higher
Cheque Swap charges (per swap)

500

500

500

500

500

500

500

Cancellation & Rebooking charges 1000 or 5% of loan amount - whichever is higher

1000

2% of the POS or Rs.5000/-, whichever is higher. Additional interest from date of disbursal to be charged. 1000 or 5% of loan amount - whichever is higher

1000

1% of the loan amount + interest from date of disbursal till receipt of cancellation request or 30 days whichever is lesser 1% of the loan amount + interest from date of disbursal till receipt of cancellation request or 30 days whichever is lesser
Foreclosure / Prepayment charges NIL 5% of principle outstanding amount 5% of principle outstanding amount 5% of principle outstanding amount 5% of Principle loan outstanding As per agreement * For Floating rate loans- Nil charges
For Fixed Rate Loans - Payment through own source of funds – Nil charges
Payment not through own source of funds:
5% of Amount Repaid. *
Loan re scheduling charges (per re scheduling) NA NA NA NA NA 300 300
Duplicate NOC Issuance Charges #

500

500

500

500

500

500

500

Repayment Schedule #

500

500

500

500

500

500

500

Statement of Account #

500

500

500

500

500

500

500

Document retrieval charges (per retrieval) #

500

500

500

500

500

500

500

Stamping Charges NA As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals
Processing fees As per agreement As per agreement As per agreement As per agreement As per agreement As per agreement As per agreement
List of Documents # NA NA NA NA NA

500

500

Initial Money Deposit (Part of PF) NA NA NA NA NA As per application form (Non refundable) As per application form (Non refundable)
Part Payment charges NA NA NA NA NA As per sanction letter and agreement As per sanction letter and agreement
EBC & Push Card Replacement Fee

100

100

NA NA NA NA NA
EBC & Push Card Renewal Fee

100

100

NA NA NA NA NA
Please note:
1)First Presentation will be done on the 5th each month. Kindly ensure your account is funded with sufficient funds by 4th each month to avoid levy of charges
2) If the EMI for the month bounces and payment against the same is not received in the same month, late payment charges will be applicable. These will be charged every month on a recurring basis till the payment is received
3) Service tax and government levy on all of the above is applicable
4) Non-payment of any of the charges levied will be reported to the Credit information company (including CIBIL) and will affect the credit score
5) # charges will be effective 01-Apr-2017
6) * incase a corporate entity is a part of the loan structure; foreclosure charges as stated in the sanction conditions will be applicable.
7) Schedule of charges are subject to change as per company's discretion from time to time. The company reserves the right to introduce any new charges or fees, as it may deem appropriate. Please visit www.capitalfirst.com to view the updated loan charges