Rate of Interest and Charges applicable to Micro & Small Enterprises (MSEs)

Covered Under Priority Sector:

Rate of Interest Size of the limit Base Rate Linked Advances

(Except (At Present Base Rate=
schematic 10.25%)
lending) Internal Credit Spread over
Risk Rating Base Rate
Grade
Up to `50000/- N.A Plus 1.75%
Above `50000 but up to `2.00 Lakh N.A Plus 2.00%
Above `2.00 Lakh but up to `25.00 Lakh N.A Plus 2.25%
1 Plus 2.25%
2 Plus 2.50%
Above `25.00 Lakh and up to `1.00 3 Plus 3.00%
Crore 4 Plus 3.00%
5 Plus 3.00%
6 & Below Plus 3.00%
1 Plus 2.25%
2 Plus 2.50%
3 Plus 3.00%
Above `1.00 Crore
4 Plus 3.50%
5 Plus 3.50%
6 & Below Plus 3.50%
Process Fee
(Excluding Limit Amount
Lending Under Up to `5.00 Lakh Nil
Above `5.00 Lakh up to `10.00
Retail Scheme) `300.00 per Lakh or part thereof
Lakh
Above `10.00 Lakh Up to `1.00 `300.00 per Lakh subject to
Crore minimum of `3500.00
`300.00 per Lakh subject to
Above `1.00 Crore minimum of `35000.00 & maximum
of `25.00 Lakh
Inspection
Charges Limit Amount
Up to `25000.00 NIL
Above `25000.00 up to `50000.00 `200.00 per inspection
Above `50000.00 up to `1.00 Lakh `300.00 per inspection
Above `1.00 Lakh up to `10.00 `750.00 per inspection subject
Lakh to a maximum of `3000.00 per year
Above `10.00 Lakh up to `100.00 `1000.00 per inspection subject
Lakh to a maximum of `5000.00 per year
Above `100.00 Lakh `1500.00 per inspection subject to
a maximum of `2000.00 per year
Documentation
Charges Limit Amount
Up to `2.00 Lakh Nil
Above `2.00 Lakh to `10.00 Lakh `2500.00
Above `10.00 Lakh to `25.00 Lakh `5000.00
Above `25.00 Lakh to `50.00 Lakh `10000.00
Above `50.00 Lakh to `100.00 `15000.00
Lakh
Above `100.00 Lakh `20000.00
Upfront Fee Applicable only in case of Term Loan

Upto `5.00 Lakh - Nil

Above `5.00 Lakh - 0.50% of Term Loan subject to a maximum ceiling of `
25.00 Lakh
Other Charges
Particulars Charges
CIBIL Report Under Consumer Segment:-
Extraction
Consumer CIR along with combo score - `62.00 +
Service tax (as applicable)
In case of non availability of any data/report (no match
found) - `33.00 + Service tax (as applicable)
Insurance Actual
(wherever
applicable)
Penal Interest 2% over the normal rate of interest on overdue amount
and for the overdue period
Cheque Penalty of `250.00 + Service tax (as applicable) for
Bounce/ECS/SI every bounce cheque/ECS/SI related to payment of
dishonor EMI
Legal Opinion
Charges Professional Fee:-
(wherever Amount Urban & Semi- Rural
applicable) Involved urban
Upto `1.00 `1000.00 per `500.00 per
crore property property
Above `1.00 `2000.00 per `1000.00 per
crore property property

Other Charges like search fee paid, typing charges

etc. supported by receipts/bills will also be paid to the
concerned advocate.
Stamp Duty Actual State wise

*Note : Service Tax shall be applicable wherever required