Schedule of Service and fees for DCB Home Loans and DCB Micro Home Loans

Fee

Loan Processing Fee/Charges (Non-refundable)

Upto 2% of the loan amount, subject to a minimum of Rs.5,000/-, which would be payable at the time of loan application (by way of a cheque / PO / DD), balance would be payable prior to disbursement.

Collection Charges

In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.

Annual Maintenance Charges (PayLess Home Operative Account)

Where average utilization of the outstanding loan amount is <70% during the year from the date of full disbursement of the Loan an annual maintenance charge of upto 1% will be charged on principal outstanding amount at the end of year. This will be an annual charge which will be debited from your PayLess Home Operative Account during the following quarter.

Part-prepayment & Full Prepayment

A) There will be no lock in period, no Part Prepayment Charges and no Full Prepayment Charges levied on Floating Rate Home Loan with only individual Borrowers with or without co-applicant(s)
B) Part Prepayment terms and conditions (for Loans other than those referred above in point (A)):

No Part Prepayment allowed in the first 6 (six) months from the date of full disbursement.
For Loans availed under Part Fixed + Part Floating rate of interest, part prepayment charges will only be applicable during Fixed Rate period.
For Loans availed under Part Fixed + Part Floating rate of interest, on completion of 6 (six) months from the date of full disbursement no charges would be levied for part prepayment upto a maximum of 25% of the principal outstanding at any time in a financial year. For payment exceeding 25% of the principal outstanding loan amount, charges on the entire amount part prepaid in the given financial year would be levied as per appended table along with applicable tax.

C) Full prepayment terms and conditions (for Loans other than those referred above in point (A)):

Full Prepayment (Foreclosure) of the loan is not permitted in the first 12 (twelve) months from the date of full disbursement.
For Loans availed under Part Fixed + Part Floating rate of interest, Prepayment Charges will only be applicable during Fixed Rate period.

On completion of 12 (twelve) months from the date of full disbursement, charges plus applicable tax as per appended table would be levied on the principal outstanding including any Part Prepayment made during the financial year

D) Charges for part prepayment or full prepayment of Loan (for Loans other than those referred above in point (A)):

Tenor	Home Loan Charges
<=2 years fixed	2%
> 2 years fixed	4%
Floating	Nil

*Applicable only for loan where one of the borrowers / sole borrower is a non-individual (including but not limited to Proprietorship firm)

Re-Pricing Charges (Home Loan including PayLess Loans)

Upto 1% of outstanding loan amount (Minimum Fee/Charges of Rs.5,000/-)

Penal Interest

3% per month

Cheque/ECS Swap Charge

Rs. 500/- per event

Property Document Retrieval Charge

Rs. 500/- per event

Cheque Bounce Charge

Rs. 750/- per event

Amortization Schedule

Rs. 100/- per schedule

Statement of Account

Rs. 100/- per statement

Foreclosure Statement

Rs. 100/- per statement

Duplicate 'No Objection Certificate'/'No Dues Certificate'

Rs. 100/-

Revalidation of 'No Objection Certificate'

Rs. 100/- per NOC

Provisional Income Tax Certificate

NIL

Final Income Tax Certificate

NIL

Interest Certificate

NIL

Change of Address

NIL

Loan Agreement Copy

Rs. 500/- per event

'No Objection Certificate'/'No Dues Certificate'

NIL

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Home Loan	9.75	15.00	11.10	9.75	15.24

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Notes
1. Charges stated above are NOT inclusive of Service Tax and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.
4. Part prepayment received after 4th March is allocated towards principal outstanding from 4th April which is to be considered as the payment received in previous Financial Year and not next Financial Year.

Schedule of Service and fees for DCB Business Loans and DCB Micro Business

Fee

Loan Processing Fee/Charges (Non-refundable)

Upto 2% of the loan amount, subject to a minimum of Rs.10,000/-, which would be payable at the time of loan application (by way of a cheque/PO/DD), balance would be deducted at the time of loan disbursement.

Collection Charges

In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.

Annual Maintenance Charges (PayLess Home Operative Account)

Where average utilization of the outstanding loan amount is <70% during the year from the date of full disbursement of the Loan an annual maintenance charge of upto 1% will be charged on principal outstanding amount at the end of year. This will be an annual charge which will be debited from your PayLess Home Operative Account during the following quarter..

Part-prepayment & Full Prepayment

A) There will be no lock in period, no Part Prepayment Charges and no Full Prepayment Charges levied on Floating Rate Business Loan with only individual Borrowers where the purpose is other than business with or without co-applicant(s)
B) Part Prepayment terms and conditions (for Loans other than those referred above in point (A)):

No Part Prepayment allowed in the first 6 (six) months from the date of full disbursement.
For Loans availed under Part Fixed + Part Floating rate of interest, part prepayment charges will only be applicable during Fixed Rate period.
For Loans availed under Part Fixed + Part Floating rate of interest, on completion of 6 (six) months from the date of full disbursement no charges would be levied for part prepayment upto a maximum of 25% of the principal outstanding at any time in a financial year. For payment exceeding 25% of the principal outstanding loan amount, charges on the entire amount part prepaid in the given financial year would be levied as per appended table along with applicable tax.

C) Full prepayment terms and conditions(for Loans other than those referred above in point (A)):

Full Prepayment (Foreclosure) of the loan is not permitted in the first 12 (twelve) months from the date of full disbursement.
For Loans availed under Part Fixed + Part Floating rate of interest, Prepayment Charges will only be applicable during Fixed Rate period.
On completion of 12 (twelve) months from the date of full disbursement, charges plus applicable tax as per appended table would be levied on the principal outstanding including any Part Prepayment made during the financial year

D) Charges for part prepayment or full prepayment of Loan (for Loans other than those referred above in point (A)):

Tenor	Business Loan Charges
<=2 years fixed	4%
> 2 years fixed	6%
Floating	4%

(* Applicable only for loan where one of the Borrowers / sole Borrower is a non-individual (including but not limited to Proprietorship firm and Business is the purpose of the loan)).

Re-Pricing Charges (Business Loan including PayLess Loans)

Upto 1% of outstanding loan amount (Minimum Fee/Charges of Rs.5,000/-)

Penal Interest

3% per month

Cheque/ECS Swap Charge

Rs. 500/- per event

Property Document Retrieval Charge

Rs. 500/- per event

Cheque Bounce Charge

Rs. 750/- per event

Amortization Schedule

Rs. 100/- per schedule

Statement of Account

Rs. 100/- per statement

Foreclosure Statement

Rs. 100/- per statement

Duplicate 'No Objection Certificate'/'No Dues Certificate'

Rs. 100/-

Revalidation of 'No Objection Certificate'

Rs. 100/- per NOC

Provisional Income Tax Certificate

NIL

Final Income Tax Certificate

NIL

Interest Certificate

NIL

Change of Address

NIL

Loan Agreement Copy

Rs. 500/- per event

'No Objection Certificate'/'No Dues Certificate'

NIL

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Business Loan	10.00	18.50	13.55	10.08	19.37

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Notes
1. Charges stated above are NOT inclusive of Service Tax and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.
4. Part prepayment received after 4th March is allocated towards principal outstanding from 4th April which is to be considered as the payment received in previous Financial Year and not next Financial Year.

Schedule of fees and charges
Loan processing fee	Upto 2% of loan amount
Collection Charges	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Cheque bounce charge	Rs.750
Cheque bounce charge, other party cheque in case of OD	Rs.60
Foreclosure charge - Applicable for customers when facility is closed within 180 days from the account opening date	DCB Gold Overdraft facility, 1% of sanctioned limit. DCB Gold Term Loan facility, 1% of Loan outstanding amount
Late payment charge	3% per month on amount overdue
Cheque swapping charge	Rs.500

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Gold Loan	9.55	16.50	12.99	9.55	24.71

In the event of default/delay in repayment of dues of your DCB Bank Gold Loan, the Bank shall be entitled to increase the existing rate of interest applicable to your Gold Loan. Such increased rate of interest would be irreversible.

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Description of Charges	Frequency	Commercial Vehicle Loans
Non Refundable Loan Processing Charges	One time	New Vehicle: Upto 2% of the loan amount, subject to a minimum of Rs. 5000/- Used Vehicle: Upto 5% of the loan amount, subject to a minimum of Rs. 5000/-
Prepayment Charges	Per Event	Lower of the two amount given below :
		1) 4% of principal outstanding or
		2) Interest outstanding for unexpired period of the loan.
Prepayment Options:		Part prepayment of the loan is not allowed.
Stamp duty	One Time	Actuals
Charges for late payment (loans)	Per Event	3% per month on the outstanding installment
Collection Charges	Per Event	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Cheque Swap Charges	Per Event	Rs. 500/-
Cheque return Charges	Per Event	Rs. 750/-
Amortization Schedule Charges	Per Event	Rs. 100/-
Statement of Account Charges	Per Event	Rs. 100/-
Prepayment Statement Charges	Per Event	Rs. 100/-
Duplicate NOC Charges	Per Event	Rs. 100/-
Revalidation of NOC Charges	Per Event	Rs. 100/-

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Commercial Vehicle	10.72	16.53	12.99	10.89	16.97

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Description of Charges	Frequency	Car Loans
Non Refundable Loan Processing Charges	One time	New Vehicle: Upto 2% of the loan amount, subject to a minimum of Rs.5,000/-
Prepayment Charges	Per Event	Lower of the two amount given below :
		1) 4% of principal outstanding or
		2) Interest outstanding for unexpired period of the loan.
Prepayment Options:		Part prepayment of the loan is not allowed.
Stamp duty	One Time	Actuals
Collection Charges	Per Event	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Charges for late payment (loans)	Per Event	3% per month on the outstanding installment
Cheque Swap Charges	Per Event	Rs. 500/-
Cheque return Charges	Per Event	Rs. 750/-
Amortization Schedule Charges	Per Event	Rs. 100/-
Statement of Account Charges	Per Event	Rs. 100/-
Prepayment Statement Charges	Per Event	Rs. 100/-
Duplicate NOC Charges	Per Event	Rs. 100/-
Revalidation of NOC Charges	Per Event	Rs. 100/-

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Car Loans	11.01	11.14	11.05	11.53	11.58

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Details of Service Charge For Tractor Loan	Charges
Agreement Cancellation Charge	Rs.1000 per agreement
Issue of duplicate agreement copy	Rs 500 per copy
Loan Processing Fee	2%
Collection Charges	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Prepayment Charges/ Foreclosure Charges	2% of the principal outstanding as per the reducing balance method on the date of repayment
Loan Overdue Charges	3% per month on unpaid instalments
Cheque dishonour charges	Rs.750/- per instrument
SWAP Charges(Replacement of PDC)	Rs.500 per swap per instance
Post disbursement modification of term installment date	Rs 500 plus any overdue interest for the broken period
Post disbursement modification of term interest rate	Rs 500 plus any overdue interest
Statement of Account Charges	Once a year at no cost. For each additional copy Rs.100/- each.
Valuation Charges	Valuation of asset will be done at Rs. 1000/- per instance
Legal Charges	Legal charges will be as per the actual requirement and may vary as per the location
RTO Charges(Specific to states)	RTO charges will be as per actual requirement and may vary as per the location
Duplicate No Due Certificate/ NOC	Rs.500/- per issuance
Duplicate Amortization Schedule Charges	Rs.200/ - per issuance
PDD(RC)non submission charges	In the event of the borrower(s) committing default in submission of registration certificate (RC) with hypothecation in the name of the bank, the bank can charge Rs.1000 (thousand) per month for each month delay effective after 90 (ninety) days of disbursement.

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)	AVG APR (%)
New Tractor Finance	11.00	21.00	14.00	11.68	21.73	14.69

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)	AVG APR (%)
Used Tractor Finance	17.00	22.01	19.00	18.07	23.13	20.09

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Notes
1. Charges stated above are exclusive of service Tax. GST and other government levies as applicable would be charged additionally at the applicable rates.
2. Stamp duty will be additional and as per prevailing state stamp duty act
3. Charges are subject to change without prior notice.
4. Any service not mentioned above shall be separately charged, as appropriate

Details of Service Charge For KCC Loan	Charges
Agreement Cancellation Charge	Rs.1000
Issue of duplicate agreement copy	Rs 500 per copy
Loan Processing Fee	Upto Rs. 10 Lakhs - 1.5% >Rs. 10 Lakh - 1%
Collection Charges	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Prepayment Charges	2% of principal repayed in advance
Foreclosure Charges	2%
Loan Overdue Charges	2% p.a on the amount over due
Cheque dishonour chrages	Rs.750
SWAP Charges(Replacement of PDC)	Rs.20 for every cheque replaced
Statement of Account Charges	Once a year at no cost. For each additional copy Rs.50/statement
Penal Interest	36% p.a./ 3% p.m. of the irregular/ overdue amount

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
KCC	9	17	12.88	9.43	17.47

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Notes
1. Charges stated above are NOT inclusive of Service Tax and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Stamp duty will be additionl and as per prevailing state stamp duty act
3. Lawyer and valuer fees will be as per the actual requirement and may vary as per the location
4. Charges are subject to change without prior notice.
5. Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Service and fees for DCB Personal Loan
Fee
Loan processing fee /Charges (Non-refundable)	2% - 3% of the Loan Amount
Collection Charges	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Prepayment Charges	5% of Outstanding Principal
Penal Interest	36% p.a./ 3% p.m. of the irregular / overdue amount on account of delay in payment of interest / repayment of principal
Cheque /ECS Swap Charge	Rs. 500/- per event + applicable taxes
Cheque Bounce Charge	INR 750/- per event + applicable taxes

Q1 (FY 20-21)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Personal Loan	-	-	-	-	-

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Notes
1. Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Service and fees for Loans done through Greenizon Agritech Consultancy Private Limited
Fee
Loan Processing Fee/Charges (Non-refundable)	1-2% of the Loan amount
Prepayment Charges	Nil
Penal Interest	3% p.m on the outstanding amount
Cheque/ ECS Swap Charges	Not applicable
Cheque Bounce Charges	Nil
Late Payment Fee	Nil
Collection Charges (if applicable)	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of INR 100/- plus applicable taxes per call and INR 250/- plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.

Q4 (FY 22-23)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Working Capital Loan	16.00	18.00	16.00	NA	NA

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Notes
1.Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2.Charges are subject to change without prior notice.
3.Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Service and Fees for DCB Bank – MFL Co-lending Arrangement for Gold Loan
Fee
Loan Processing Fee/ Charge (non-refundable)	INR 2 The Bank will not charge Processing Fee (PF) for Priority Sector lLoan (PSL)/ Agri loan amount up to INR 25,000 as per RBI guideline updated from time-to-time
Prepayment Charges	Nil
Penal Interest	Nil
Cheque/ ECS Swap Charge	Nil
Cheque Bounce Charge	Nil
Late Payment Fee	Nil
Collection Charges (if applicable)	Nil

Q1 (FY 23-24)	Min. ROI (%)	Max. ROI (%)	MEAN ROI (%)	Min. APR (%)	Max. APR (%)
DCB – MFL Gold Loan	10.35	10.35	10.35	10.35	10.35

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Notes
1.Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2.Charges are subject to change without prior notice.
3.Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Services & Fees for DCB SME Loan Products
Loan Processing Fee / Charges (Non-refundable) & Fee
Over Draft(OD)/ Cash Credit (CC)/ Working Capital limit	Upto 1% of the credit limit, subject to minimum INR 5,000 for all Working Capital limit
Term Loan (TL)/ Dropdown Overdraft (DDOD)	Upto 2% of the Loan amount, subject to minimum of INR 5,000 for all TL/ DDOD
Pre-closure / Pre-payment & Fee
Cash Credit and other nonparameterised Working Capital Limit Non parameterized Term Loan Overdraft for SME Flexi and otherparameterised products Term Loan (TL) under SME Flexi/ SME Bachat and other parameterised products Dropdown Overdraft (DDOD)(Reckoning of fees: take-over/ liquidation/ cancellation of limits)	2% on the sanctioned limit. Minimum INR 10,000 for Cash Credit facility 2% on outstanding/ pre-paid amount, minimum INR 10,000 for nonparameterised Term Loan 4% on sanctioned limit for SME Flexi OD & all other OD facilities 4% on outstanding/ prepaid amount for SME Flexi TL, SME Bachat TL & any other parameterised TL 4% of Dropdown OD limit or outstanding whichever is higher for all DDOD limits
Other Charges
Commitment Charges (towards under utilisation/ non- utilisation of any fund based working capital facility)	If the Borrower for any reason whatsoever, does not utilise/ has partially utilised a fund based Working Capital facility, the Borrower shall be liable to pay commitment charges for non utilisation/ underutilisation of the sanctioned limits. If the average quarterly utilisation of the limits is below 50% of the sanctioned limits, then Commitment Charges of 0.50% will be charged for the underutilised portion of the sanctioned limits. This will be a Quarterly charge debited to the customer’s operating account in the following Quarter.
Delay in payment of interest/ repayment of the loan Principal (from the date of overdue)	2% p.a. of the irregular/ overdue amount
ROI reset fees/ re-pricing charges (Working Capital facility including Term Loans)	0.25% on the Loan outstanding amount for Term Loan & Drop Down Overdraft & 0.25% on sanctioned limit for Working Capital facility (includes CC, OD) OR INR 5,000, whichever is higher
Rate of Interest (ROI) & Fees for ad-hoc facility and Temporary Overlimit (TOL)	4% per annum over and above the existing ROI Fees 1% on ad-hoc facility & 0.50% on TOL facility
Cash deposit at DCB Bank branches: Volume based Charges. Quarterly Cash Deposit Limit For each calendar Quarter (January to March; April to June; July to September & October to December), the cash deposit limit will be 6 times of Sanctioned Limit (SL) for: Cash Credit & Overdraft (Working Capital limit Overdraft against Fixed Deposit Drop Down Overdraft	Cash deposited amount upto 6 times of Sanctioned Limit: Free Cash deposited amount greater than 6 times & upto 20 times of Sanctioned Limit: INR 4 per INR 1,000 deposited beyond free limit Cash deposited greater than 20 times of Sanctioned Limit: INR 6 per INR 1,000
Service charges for cash deposit at DCB Bank branches. Transaction Based charges (all variants of CC/ OD Accounts)	25 free cash deposit transactions per calendar Quarter. INR 100 will be levied on every cash deposit transaction beyond the free limit
Non-submission or delayed submission of financial statements for OD/ Cash Credit/ Working Capital limit/ renewal data (non-renewal)	0.1% per month on sanctioned limits (from due date of submission till the date of submission)
Non-submission or delayed submission of stock/ debtors’ statement	0.1% per month on sanctioned limits (from due date of submission till the date of submission)
Delay in submission of Financial Follow-up Report (FFR) data	0.2% per quarter on the sanctioned limits (Minimum INR 20,000)
Submission of audited financials as on 31st March every year (reckoning date: 1st October)	2% of the sanctioned limits in case of Working Capital limit (for Term Loan 2% on the outstanding Laon amount)
Late/ non-payment of EMI: Term Loan (reckoning of default interest from the date of overdue of EMI)	3% p.m. on demand raised & unpaid
Forced over drawing of OD (reckoning of default interest from the date of forced overdrawing)	3% p.m. on amount overdrawn
Devolvement of LC/ invocation of BG (from the date of devolvement/ invocation)	26% p.a. including the prevailing External Benchmark based Lending Rate (EBLR)
Collection Charges	In the event of the companyor firm committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of: INR 100 per phone call & INR 250 per visit made to recover these dues and the cost(s) thereof will be borne by the company or firm. Collection Charges are subject to change as per the Bank’s discretion

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
SME Loans	9.95	15.00	12.48	10.16	15.41

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Charges specified are exclusive of GST, other applicable Govt. levies.
The services & fees are subject to change from time to time.
Penal interest charges to 3% per month.
Cheque bounce charges to Rs. 750/-

Schedule of Service and fees for DCB – IIFL co-lending arrangement for Gold Loans
Fee
Loan Processing Fee/Charge (Non-refundable)	INR 2 The Bank will not charge Processing Fee (PF) for Priority Sector Loan (PSL)/Agri Loan amount up to INR 25,000 as per RBI guideline updated from time-to-time
Prepayment Charge	Nil
Penal Interest	Nil
Cheque/ ECS Swap Charge	Nil
Cheque Bounce Charge	Nil
Late Payment Fee	Nil
Collection Charge (if applicable)	Nil

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
DCB – IIFL Gold loan	09.72	10.08	09.98	09.72	10.08

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Notes
1.Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2.Charges are subject to change without prior notice.
3.Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Service & Fees for DCB Loan for Insurance	Charges
Fee
Loan processing fee /Charges (Non-refundable)	0% of the Loan Amount
Prepayment Charges	0% of Outstanding Principal
Cheque /ECS Swap Charge	NIL
Cheque Bounce Charge	NIL

Q4 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)
Loan for Insurance	12.00	18.00	12.65	12.00	18.00

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Notes
1. Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.
4. ROI: Rate of Interest
5. APR: Annual Percentage Rate

Schedule of fees and charges	Schedule of fees and charges
Processing Fees	Payable upfront prior to loan disbursal. Upto 1% of the sanctioned facility (plus applicable taxes)
Penal Charges	Additional interest of 2% p.a. over the applicable rate of interest for irregular and overdue account/ delayed payment of interest / delayed repayment of principal
Other Covenants	Fixed term facility of 45 days. No rollover is allowed.

Q1 (FY 23-24)	Min ROI (%)	Max ROI (%)	MEAN ROI (%)	Min APR (%)	Max APR (%)	AVG APR (%)
Dealer Trade Advance	10.00	11.00	10.50	10.47	11.47	10.97

Schedule of Service and fees for DCB Bank Construction Finance & Inventory Funding Loan
Fee
Loan Processing Fee/Charges (Non-refundable)	Upto 2% of the loan amount
Collection Charges	In the event of the Borrower(s) committing default in the repayment of loan dues, the Bank shall levy ‘Collection Charges’ of 'INR 100' plus applicable taxes per call and 'INR 250' plus applicable taxes per visit made to recover these dues and the cost(s) thereof will be borne by the Borrower(s). These Collection Charges are subject to change as per the Bank’s discretion.
Prepayment Charges	4% of Outstanding Principal
Penal Interest	36% p.a./ 3% p.m. of the irregular / overdue amount on account of delay in payment of interest / repayment of principal
Cheque /ECS Swap Charge	INR 500/- per event + applicable taxes
Cheque Bounce Charge	INR 750/- per event + applicable taxes

Notes
1. Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Service and Fees for DCB Bank – Indel co-lending Arrangement for Gold Loan
Fee
Loan Processing Fee/ Charge (non-refundable)	INR 2 The Bank will not charge Processing Fee (PF) for Priority Sector Loan (PSL)/ Agri loan amount up to INR 25,000 as per RBI guideline updated from time-to-time
Prepayment Charge	Nil
Penal Interest	Nil
Cheque/ ECS Swap Charge	Nil
Cheque Bounce Charge	Nil
Late Payment Fee	Nil
Collection Charge (if applicable)	Nil

Q1 (FY 23-24)	Min. ROI (%)	Max. ROI (%)	MEAN ROI (%)	Min. APR (%)	Max. APR (%)
DCB – Indel Gold Loan	10.80	11.05	10.99	10.80	11.05

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Notes
1. Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.

Schedule of Service and Fees for DCB Bank – TruCap co-lending Arrangement for Gold Loan
Fee
Loan Processing Fee/ Charge (non-refundable)	INR 94.4 The Bank will not charge Processing Fee (PF) for Priority Sector Loan (PSL)/ Agri loan amount up to INR 25,000 as per RBI guideline updated from time-to-time
Prepayment Charge	Nil
Penal Interest	Nil
Cheque/ ECS Swap Charge	Nil
Cheque Bounce Charge	Nil
Late Payment Fee	Nil
Collection Charge (if applicable)	Nil

Q1 (FY 23-24)	Min. ROI (%)	Max. ROI (%)	MEAN ROI (%)	Min. APR (%)	Max. APR (%)
DCB – TrupCap Gold Loan	11.25	11.50	11.47	11.25	11.50

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Notes
1. Charges stated above are NOT inclusive of GST and other levies. Service Tax and other levies, etc. applicable as per prevailing rate will be charged over and above these charges.
2. Charges are subject to change without prior notice.
3. Any service not mentioned above shall be separately charged, as appropriate.

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