| 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)):
*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 | ||||||||
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Home Loan | 9.50 | 15.00 | 11.05 | 9.58 | 15.37 |
| 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)):
C) Full prepayment terms and conditions(for Loans other than those referred above in point (A)):
D) Charges for part prepayment or full prepayment of Loan (for Loans other than those referred above in point (A)):
(* 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 | ||||||||
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Business Loan | 10.34 | 18.50 | 13.09 | 10.38 | 19.76 |
| 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 3 months 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 |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Gold Loan | 9.84 | 18.00 | 12.29 | 9.84 | 27.27 |
| 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/- |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Commercial Vehicle | 10.25 | 16.55 | 12.90 | 10.35 | 17.19 |
| 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/- |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Car Loans | 11.01 | 11.14 | 11.05 | 11.53 | 11.58 |
| 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. |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) | AVG APR (%) |
|---|---|---|---|---|---|---|
| New Tractor Finance | 11.00 | 20.00 | 14.00 | 12.00 | 21.00 | 14.00 |
| Q3 (FY 22-22) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) | AVG APR (%) |
|---|---|---|---|---|---|---|
| Used Tractor Finance | 13.00 | 24.00 | 18.00 | 13.00 | 25.00 | 19.00 |
| 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% |
| 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 |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| KCC | 10.34 | 16.4 | 12.55 | 10.78 | 16.86 |
| 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 | - | - | - | - | - |
| 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. |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Working Capital Loan | 16.00 | 18.00 | 16.00 | NA | NA |
| Gold loans through Muthoot Fincorp Limited co-lending arrangement | |
|---|---|
| Fee | |
| Loan Processing Fee/Charges (Non-refundable) | INR 2 Bank will not charge PF for loans up to INR 25,000 for PSL / Agri Loans as per RBI Guidelines |
| Prepayment Charges | Nil |
| Penal Interest | Nil |
| Cheque/ ECS Swap Charges | Not applicable |
| Cheque Bounce Charges | Nil |
| Late Payment Fee | Nil |
| Collection Charges (if applicable) | Nil |
| Q1 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| DCB – MFL Gold loan | 10.00 | 10.00 | 10.00 | 10.00 | 10.43 |
| 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 | ||
|
|
|
| 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 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 |
|
| Schedule of Service and fees for DCB – IIFL co-lending arrangement for Gold Loans | |
|---|---|
| Fee | |
| Loan Processing Fee/Charges (Non-refundable) | INR 2 Bank will not charge PF for loans up to INR 25,000 for PSL / Agri Loans as per RBI Guidelines updated from time to time |
| Prepayment Charges | Nil |
| Penal Interest | Nil |
| Cheque/ ECS Swap Charges | Not applicable |
| Cheque Bounce Charges | Nil |
| Late Payment Fee | Nil |
| Collection Charges (if applicable) | Nil |
| Q4 (FY 21-22) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| DCB – IIFL Gold loan | 10.44 | 10.92 | 10.73 | 10.44 | 11.05 |
| 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 | |
| Q2 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) |
|---|---|---|---|---|---|
| Loan for Insurance | 12.00 | 18.00 | 12.63 | 12.00 | 18.00 |
| 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. |
| Q3 (FY 22-23) | Min ROI (%) | Max ROI (%) | MEAN ROI (%) | Min APR (%) | Max APR (%) | AVG APR (%) |
|---|---|---|---|---|---|---|
| Dealer Trade Advance | 10.00 | 11.00 | 10.00 | 10.47 | 11.47 | 10.47 |
| 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 |
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