This has referral to the RBI circular of August 02, 2019 on 'Levy of foreclosure charges/pre-payment charge on floating rate term loans', mandating that NIL foreclosure or pre-payment charges will be levied on drifting rate term loans sanctioned to Individual borrowers with/without co-borrower( s) for the functions aside from for service.

Accordingly, this is to notify you that, notwithstanding anything consisted of in the Transaction Documents, for Individual customers who has actually availed loan for business purpose and for Non-Individual debtors, foreclosure charges will be relevant based on the rates prescribed by the Bank from time to time. The existing appropriate rates of prepayment charges are supplied listed below for your prepared referral.

Loan Against Residential or commercial property

Fees & Charges

Part Pre-payment/ Foreclosure Charges (For Individual Borrowers with purpose aside from business)

NIL

Part Pre-payment/ Foreclosure charges (For Individual customers with company purpose/ all Non Individual borrowers/ repaired rate loans)

- 5% on part pre-payment amount/principal impressive if paid within 12 months

• 3% on part pre-payment amount/principal impressive if paid after 12 months
  
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