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Home Schedule Of Charges (Amount In Rs.)

Schedule Of Charges (Amount In Rs.)

CURRENT SCHEDULE OF CHARGES

Products/Type of charges CONSUMER DURABLE TWO WHEELER USED CAR PERSONAL LOAN(PLCL/PLTW) BUSINESS LOAN/ PERSONAL LOAN MICRO BUSINESS LOAN HOME EQUITY HOME LOAN
1st Presentation  EMI Bounce charges each month 400 400 400 400 400 400 400 400
2nd Presentation Bounce charges each month 400 400 400 400 400 400 400 400
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 2% of the unpaid EMI or Rs 300 whichever is higher
Cheque Swap charges (per swap) 500 500 500 500 500 500 500 500
Cancellation & Rebooking charges 1000 or 5% of loan amount - whichever is higher 1000 towards Cancellation , Additional Interest charges at 12 % per annum from date of disbursal , for the days money is out of system 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 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 * 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 300 300 300
Duplicate NOC Issuance Charges 500 500 500 500 500 500 500 500
Repayment Schedule 500 500 500 500 500 500 500 500
Statement of Account 500 500 500 500 500 500 500 500
Document retrieval charges (per retrieval) 500 500 500 500 500 500 500 500
Stamping Charges NA As per actuals As per actuals As per actuals As per actuals As per actuals As per actuals 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 As per agreement
List of Documents NA NA NA NA NA 500 500 500
Part Payment charges NA NA NA NA NA As per sanction letter and agreement As per sanction letter and agreement As per sanction letter and agreement
EBC & Push Card Replacement Fee 100 100 NA NA NA NA NA NA
EBC & Push Card Annual Fee 99 99 NA NA NA NA NA NA
EMI Pickup/ Collection Charges 350 350 350 350 350 350 350 350
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. GST and government levy (if any) on all of the above is inclusive.
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 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.

CHARGES EFFECTIVE FROM 1st MARCH 2019

Products/Type of charges CONSUMER DURABLE TWO WHEELER USED CAR PERSONAL LOAN (PLCL/PLTW) BUSINESS LOAN/PERSONAL LOAN MICRO BUSINESS
LOAN
HOME EQUITY HOME LOAN
EMI Bounce charges per presentation 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% 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% per month of the unpaid EMI or Rs 300 whichever is higher
Cheque Swap charges (per swap) 500 500 500 500 500 500 500 500
Cancellation & Rebooking charges 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 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 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 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 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 1% of the loan amount + interest from date of disbursal till receipt of cancellation request or 30 days whichever is lesser
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 loan outstanding 5% of Principle loan outstanding 0% for Floating rate loans - For Individual Personal Use only;
0% for MSME up to 50 lakhs;
5% of Principal outstanding for all other loans
0% for Floating rate loans - For Individual Personal Use only;
5% of Principle Outstanding for other floating rate loans;
5% of Principle Outstanding For Fixed Rate Loans
Loan re scheduling charges (per re scheduling) NA NA NA NA NA 300 300 300
Duplicate NOC Issuance Charges# 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
Physical Repayment Schedule # 500 500 500 500 500 500 500 500
Physical Statement of Account # 500 500 500 500 500 500 500 500
Document retrieval charges (per retrieval) # 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
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 total amount Upto 3% of Loan Amount Up to 3% of Loan Amount
List of Documents# NA NA NA NA NA 500 5000 500
Part Payment charges Part Payment is not allowed Part Payment is not allowed Part Payment is not allowed 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 Part Payment is not allowed 0% for Individuals loans for personal use - Floating Rate Only
0% for MSME up to 50 lakhs 
5% of Principal outstanding for all other loans
0% if part payment is up to 25% in a financial year 
5% of Principle Outstanding If Part Payment exceeds 25% in a financial year
Initial Money Deposit Charges NA NA NA NA NA 3000 6500 NA
EBC Replacement Fee (if EBC Applicable) 100 100 100     500 NA NA
Easy Buy Card Replacement Fee (If Easy Buy Card Applicable) NA 99       500    
EBC & Push Card Annual Fee 99 99 99     500 NA NA
EMI Pick up/ Collection Charges 350 350 350 350 350 350 350 350
Admin Charges (If Applicable)     1450          
Pre EMI   350            
Security Post Dated Cheque Waiver   500            
Legal/Collections/ Repossession & Incidental Charges   As per actuals            
Valuation Charges (If Applicable)                
Loan Protect Insurance                
Transaction/Other Fees                
Asset Verification Charges                
Services Charges (on Agri/PSL)                
Indian Health Organisation Charges                
Credit Vidya Charges                
Other Charges                
Personal Accident Insurance                
Facilitation Fee                
Charges for furnishing a copy of the credit information report (CIBIL) to the applicant                
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. Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank. Effective 18th December 2018, Capital First & IDFC Bank have merged. The merged entity is now IDFC FIRST Bank.