Full handling expense alongside ST must be recouped at the season of passing on approval, in the wake of altering the sum officially recuperated.

Handling charges are not material for term credits as forthright expense will be recouped.

The charges are to be recuperated at the season of beginning handling and also for every reestablishment.

Where record couldn't be restored in time because of postponed accommodation of information by the borrower, the charge is to be recuperated on the restoration commemoration date for proceeding with the development.

In appreciation of PMRY/SGSY and other Govt. supported plans, recuperation of administration charges will be as per the terms of the plan.

Revised Service Charges Applicable w.e.f. 01/06/2015

Item
Existing Charges (Excluding Service Tax + Education Cess)
Revised Service Tax (14.00%)
Revised Charges (Including Service Tax)

Loan Processing Charges (To be charged on adhoc limits also) ( Applicable also to loans under consortium arrangement)

Up to Rs. 25,000/-
NA
Nil

Above Rs. 25,000/- but up to Rs. 2 lac
Rs 77/-
Rs 627/-

Above Rs. 2 lac
0.049% of loan Amount
0.399% of loan Amount. Max of Rs. 36.48 lac.

For 'AAA' & 'AA' rated borrowers
0.028% of the loan Amount.
0.228% of the loan amount with a max of Rs.18.24 lac.

For 'A' rated borrowers
0.035% of the loan Amount.
0.285% of the loan amount with a maximum of Rs.23.94 lac

Upfront Fee

Term Loans to all Micro Enterprise units under MSME Act
NA
Nil

Term Loans above Rs.2 lac but up to Rs.5 cr (Other than Micro Units)
0.182% of loan amount
1.482% of loan amount.

Term Loans above Rs.5 crs but upto Rs.25 cr
0.154% of loan amount
1.254% of loan Amount. Min Rs.7.98 lac.

Term Loans above Rs.25 cr
0.126% of loan amount
1.026% of loan Amount. Min. Rs. 34.20 lac.

'AAA', 'AA' rated borrowers
0.084% of the loan amount.
0.684% of the loan amount.