DNS Bank
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DNS Bank
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| Particulars | Processing Charges (in Rs.) | |
|---|---|---|
| 1. Personal Loans | ||
| a. | Easy Loan (Repayment of Old debts scheme) | 1.00% Min. Rs.500.00 |
| b. | Utsav Scheme | 1.00% Min. Rs.500.00 |
| c. | Consumer durable items, Household items, House Repairs / Renovation (where property is not mortgaged), Ceremonial Loans | 1.00% Min. Rs.500.00 |
| d. | Consumer durable items, Household items, House Repairs / Renovation (where property is not mortgaged), Ceremonial Loans | 1.00% Min. Rs.500.00 |
| e. | Clean cc up to Rs 1.75 Lakh Minimum | 1.00% Min. Rs.500.00 |
| 2. Business Loans | ||
| a. | Business Loans, Cash credit, New renewal enhancement, Term Loan (Mortgage, Purchase of Business Property, Hypothecation of Plant & Machinery) LC and Bank guarantee. | 0.75% sanctioned loan amount |
| b. | Legal Charges applicable for Commercial Loan and Advances where property mortgage is involved. | 0.10% of the amount of loan applied Minimum Rs.5500 |
| c. | Enhancement in Working Capital facilities which includes Cash Credit, Flexi Overdraft, Bills Discounting limit, Project Loan, BG/LC limit etc. | 0.25% for renewal portion and 0.50% on enhanced limit. |
| d. | Review/Renewal of Working capital limits (e.g. Cash Credit, Flexi OD, PRLN, Pledge, Bills Discounting, salary earners OD etc.) | 0.25% of the Sanctioned Loan Amount |
| 3. Vehicle Loans | ||
| a. | Vehicle Loans Personal & Commercial. | 1% sanctioned loan amount |
| b. | Four Wheeler for personal use | 0.50% Minimum Rs.1000.00 |
| c. | Two Wheeler for Personal Use | 0.50% Minimum Rs.500.00 |
| 4. Housing Loans | ||
| 5. Mortage Loans | ||
| a. | Mortgage Loans / O.D. / RPM (Gruha Saukhya / Gruha Sajawat) DNSB Vyapar Loan | 1% sanctioned loan amount & Minimum Rs.500 |
| 6. Advance against Share / Mutual Funds | ||
| a. | Advance against Share / Mutual Funds / Debentures/ Govt. Bonds | 0.75% Min Rs.500.00 + D'mat Charges + Other Charges as applicable |
| 7. Advance against Govt. Securities & Gold | ||
| a. | Advance against Govt. Securities - NSC / LIC / KVP / IVP & Gold Loan | 0.50% Loan amount Minimum Rs.250 |
| 8. AD-HOC Cash credit / TOD | ||
| a. | AD-HOC Cash credit / TOD | Rs.5000.00 / or 1% of over limit whichever is maximum. |
| b. | Request for releasing part amount from original sanctioned limit, pending compliance of few terms and conditions and/or request for modification of terms of sanction after issue of sanction letters | For loan limits up to Rs.200.00 Lakhs: Rs.2000 per request. For limits above Rs.200.00 Lakhs and up to Rs.1000.00 Lakhs: Rs.5000 per request. For limits above Rs.1000.00 Lakhs: Rs.10,000 per request. |
| 9. Educational Loan | ||
| a. | Educational Loan | 0.50% sanctioned loan amount |
| 10. Loan for Handicapped | ||
| a. | Loan to Handicapped persons | Rs.200.00 |
| b. | Loan up to pensions | 0.25% up to sanctioned loan amount Min. Rs.100.00 |
| c. | Loan up to professionals | 0.25% up to sanctioned loan amount |
| d. | Clean Cash Credit up to Rs.4.50 Lakhs | 1% of sanctioned loan amount. Minimum Rs.500/- |
| e. | DNS Laghu Udyojak Scheme/ Minus 2 & Minus 1 (For MSME Units) | In case of takeover of accounts from other banks, no processing charges to be recovered. However, if enhanced limit is granted, 0.50% on enhanced limits to be charged. In case of other than takeover loans 0.75% of sanctioned loan amount. |
| f. | Pledge Limit (Sugar & other commodities) | New limit – 0.25%, Renewal – 0.25% |
In case of Fresh Business Loans, the abovementioned Processing Charges are to be recovered in stage wise.
| Stages | Revised Charges+GST | |
|---|---|---|
| a. | At the time of submission of proposal | 10% of total applicable processing charges of 0.75%, i.e., 0.075% of loan amount applied (Non-Refundable). |
| b. | At the time of In-Principle Approval | 0.1875% i.e., 25% of applicable processing charges |
| c. | At the time of issuance of final sanction | 0.4875% i.e., 65% of applicable processing charges |
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DNS Bank
Hi, How can we help you ?