Home Schedule Of Charges (Amount In Rs.)

Schedule Of Charges (Amount In Rs.)

CURRENT SCHEDULE OF CHARGES

PRODUCTS/TYPE OF CHARGES CONSUMPTION FINANCE CONSUMER DURABLE TWO WHEELER USED CAR PERSONAL LOAN (Cross Sell) PERSONAL LOAN BUSINESS LOAN MICRO BUSINESS
LOAN
HOME EQUITY HOME LOAN
EMI Bounce charges per presentation 400 400 400 400 400 400 400 400 400 400
Late payment/Penal charges/ Default interest/Overdue (per month) 2% per month of the unpaid EMI or Rs 300 whichever is higher 2% per month of the unpaid EMI or Rs 300 whichever is higher 2% per month of the unpaid EMI or Rs 300 whichever is higher 2% per month 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 (Exclusive of GST) or Rs 300 (Exclusive of GST) whichever is higher 2% per month (Exclusive of GST) of the unpaid EMI or Rs 300 (Exclusive of GST) whichever is higher
Cheque Swap charges (per swap) 500 500 500 500 500 500 500 500 500 500
Cancellation & Rebooking charges 1000 or 5% of loan amount - whichever is higher 1000 or 5% of loan amount - whichever is higher 1000 towards Cancellation + Additional Interest charges from date of disbursal till receipt of cancellation. Cancellation to be received within 30 days or 1st EMI presentation date whichever is earlier. Post which it will be treated as foreclosure 10000 towards Cancellation +, Additional Interest charges from date of disbursal till receipt of cancellation. Cancellation to be received within 30 days or 1st EMI presentation date whichever is earlier. Post which it will be treated as foreclosure 10000 within 30 days of disbursement or 1st EMI presentation whichever is earlier. Post 30 days or 1st EMI presentation request for cancellation will be treated as foreclosure 1% of the loan amount + interest from date of disbursal till receipt of cancellation request Cancellation request to be received within 30 days of loan booking date or 1st EMI presentation date, whichever is earlier. Post which cancellation will be treated as foreclosure 1% of the loan amount + interest from date of disbursal till receipt of cancellation request Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure 10000 within 30 days of disbursement or 1st EMI presentation whichever is earlier, Post 30 days or 1st EMI presentation request for cancellation will be treated as foreclosure 10,000 towards Cancellation in case of uncashed disbursal Cheque; 10,000 + Interest from date of disbursal till receipt of cancellation request, in case of encased disbursal Cheque 1% of the loan amount + interest from date of disbursal till receipt of cancellation request. Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure
Foreclosure / Prepayment charges* 5% of principle outstanding amount 5% of principle outstanding amount 5% of principle outstanding amount 5% of principle outstanding amount 5% of principle outstanding amount 5% of Principle loan outstanding 5% of Principle loan outstanding 5% of Principle loan outstanding For Floating Rate Individual = 0%
For MSME up to 50 Lakhs = 0%

For Floating rate - Non-Individual
  • <=12 MOB = 4%
  • > 12 MOB = 3%
  • 5% of Principal outstanding Exclusive of GST for all other loans
    0% for Floating rate Individual loans -

    For Floating rate Non-Individuals & Fixed rate individuals and non-individuals (<= 12 MOB - 4%) & (> 12 MOB - 3%)
    Loan re scheduling charges (per re scheduling) NA NA NA NA NA NA NA 300 300 300
    Duplicate No Objection Certificate Issuance Charges 500 500 500 500 Special NOC charges 500 Commercial NOC - 2250 Inter-State NOC Refundable Security Deposit (non-interest bearing) of Rs. 5,000 will be taken. It will be the borrower's responsibility to provide the transferred Registration Certificate to the bank. In addition, NOC charge would be Rs. 500 500 500 500 500 500 500
    Physical Repayment Schedule 500 500 500 500 500 500 500 500 500 500
    Physical Statement of Account 500 500 500 500 500 500 500 500 500 500
    Document retrieval charges (per retrieval) 500 500 500 500 500 500 500 500 500 500
    Stamping Charges As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals
    Processing fees Up to 3.5% of the total amount Up to 3.5% of the total amount Up to 3.5% of the total loan amount Up to 3.5% of the loan amount Up to 3.5% of the loan amount Up to 3.5% of the total amount Upto 3 % of Loan Amount Up to 3% of Loan Amount
    List of Documents NA NA NA NA NA NA NA 500 1000 500
    Part Payment charges Part Payment is not allowed Part Payment is not allowed Part Payment is not allowed Part Payment is not allowed Part Payment is not allowed Applicable only for PL Smart Cases. Maximum 40% of current Principal Outstanding is allowed for part payment once in a FY. This option is available only post initial 3 EMI payments. For availing this option 2% part payment charges is applicable on partial payment. Part Payment is not allowed. For Smart Personal Loan product-NIL charges for part prepayment up to 40% of loan amount in a financial year, allowed after 3rd EMI Part Payment is not allowed 0% For floating rate loans having only individuals on the loan structure;
    0% For fixed rate loans to MSME upto 50 lakhs
    All Other Floating rate Loans:
    <=12 MOB - 4%
    >12 MOB - 0% for upto 20% of Principle outstanding - allowed only once in a financial year, otherwise 3%;

    All Other Fixed rate Loans:
    5% of part prepayment

    0% For all Floating rate individual loans
    5% - For Floating rate Non-Individuals and Fixed rate loans

    Initial Money Deposit/ Application Fees (Non-refundable) NA NA NA NA NA NA NA 3000 6500 NA
    EBC Replacement Fee (if EBC Applicable) 100 100 100 100 NA NA NA NA NA NA
    Easy Buy Card Replacement Fee (If Easy Buy Card Applicable) NA NA 99 NA NA NA NA 500 NA NA
    EBC & Push Card Annual Fee 99 99 350 99 NA NA NA 500 NA NA
    EMI Pickup/ Collection Charges 350 350 350 350 350 350 350 350 350 350
    Admin Charges (If Applicable) NA NA NA 1450 NA NA NA NA NA NA
    Pre EMI NA NA 350 NA NA NA NA NA NA
    Please note:
    01. First Presentation will be done on the EMI due date each month. Please ensure your account is funded with sufficient funds by a day prior to the due date to avoid levy of charges
    02. 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.
    03. Charges above are exclusive of GST and government levy (if any).
    04. Non-payment of any of the charges levied will be reported to the Credit information company (including CIBIL) and will affect the credit score.
    05. * incase a company, firm, etc. is a part of the loan structure; foreclosure charges/ penalty/levy can be levied as stated in the sanction conditions will be applicable.
    06. Schedule of charges are subject to change as per Bank’s discretion from time to time. The Bank 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.
    Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Click here to visit the website of IDFC FIRST Bank