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Retail Loan Processing Charges

Sr. No

Retail Loan Schemes

Processing Charges + GST (additional)

1

PSB Apna Ghar

 Concession offered during the Festival Campaign period

  • Processing Charges: Full waiver of processing charges.
  • Inspection Charges: Full waiver of Inspection Charges for the first year but the same to be charged in subsequent years till the liquidation of loan as per extant guidelines.

2

PSB Apna Ghar Top Up 

One-Time:

Loans upto Rs. 10 Lac- @ 0.15% of the loan amount, subject to minimum of Rs. 1000/- and maximum of  Rs. 3750/-

3

PSB Apna Vahan

 

Concession offered during the Festival Campaign period

  • Processing Charges:  Full waiver of processing charges for new Two Wheeler & Four Wheeler Vehicle Loans.
  • Inspection Charges:  Full waiver of inspection charges for new Two Wheeler & Four Wheeler Vehicle Loans.

4

PSB Education Loan 

No processing / upfront charges may be levied on loans sanctioned under the scheme. Borrower to deposit Rs. 2000/- (for studies abroad) in lieu of Processing fee, in Saving account (to be kept under reserve, withdrawal thereof may be allowed to the borrower only after full availment of the loan. Otherwise the same be recovered as processing fee.

5

PSB Personal Loan 

One-Time:
1.00% of the loan amount.

6

PSB Doctors Special 

One time:
0.25% of the loan amount upto Rs.50 lacs.

0.50% of the loan amount above Rs.50 lacs and upto Rs. 2 crore

7

PSB Sukhmoney (Reverse Mortgage Scheme)

One time:
0.50% of the Loan amount subject to Maximum of Rs. 15,000.

8

PSB Commercial Vehicle 

One time:
1.00% of the loan amount

9

PSB Skill Education Loan

Nil

10

PSB SB OD Scheme

Nil

11

PSB Excellence Education Loan (For students of IIMs, IITs and ISB (Hyderabad)

Nil

12

PSB Kisan Home Loan 

 Concession offered during the Festival Campaign period

  • Processing Charges: Full waiver of processing charges.
  • Inspection Charges: Full waiver of Inspection Charges for the first year but the same to be charged in subsequent years till the liquidation of loan as per extant guidelines.

13

PSB Mortgage

For Term Loan:  @1% of the loan amount with Minimum of Rs.2000/-


For Overdraft Facility: @ 0.50% of limit sanctioned and to be collected on sanction and at the time of renewal every year.

14

PSB Vyapar 

 Concession offered during the Festival Campaign period

  • Processing Charges
  1. For TL/WCTL facilities: Concession of 50% in the applicable processing fee on the TL/WCTL sanctioned.
  1. For Overdraft facilities: Concession of 50% in the applicable processing fee on the limit sanctioned at the time of sanction only. However, the normal processing fee (i.e. without any concession) shall be applicable at the time of renewal every year.

15

PSB SME Liquid Plus

For Term Loan:  @1% of the loan amount with Minimum of Rs.2000/-


For Overdraft Facility: @ 0.50% of limit sanctioned and to be collected on sanction and at the time of renewal every year.

16

PSB Contractor Plus

For Term Loan/Working Capital Term Loan:  @1% of the loan amount with Minimum of Rs.2000/-


For Overdraft Facility/BG: @ 0.50% of limit sanctioned and to be collected on sanction and at the time of renewal every year.

 


 

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