icon_notification notification-animation 11

Want us to help you with anything?
Request a Call back

This field is required Only alphabetes are allowed
This field is required Only alphabetes are allowed
Please enter valid number
Please enter valid email
Please select product type
Please enter valid pincode

Thank you for your request.

Your reference number is CRM

Our executive will contact you shortly



Description Minimum Maximum
Loan Amount Rs 10,000 Rs 10,000,000
Loan Tenure 6 months 12 months


Interest rate range: (July 2021 to Sept 2021 Q2(FY21-22))


Minimum Maximum Mean Penal Interest
10.00%* 19.76% 15.15% 6%


*Terms and Conditions applied

Penal Interest is not applicable for agricultural loans up to Rs 25,000 per customer.




  • It includes various categories like loan amount, customer relationships etc.
  • Mean rate = Sum of rate of all loan accounts / Number of all loan accounts.




Particulars Twelve months product Six months product
Processing Fees 1.0% of loan amount 1.0% of loan amount
Foreclosure charges 1%, If a/c is closed within 11 months 1%, If a/c is closed within 5 months
NIL, If a/c is closed after 11 months NIL, If a/c is closed after 5 months
Gold OD - 1% of the facility amount, if the facility is prepaid within 11 months or post 30 days of auto-renewal. NA
Valuation Charges

For loans:

  • Up to 1 lakh: Rs 100
  • Greater than 1 Lakh up to 2 lakh: Rs 200
  • Greater than 2 lakh up to 3 lakh: Rs 300
  • Greater than 3 lakh up to 4 lakh: Rs 400
  • Greater than 4 lakh : Rs 500
Top Up Charges 1% of Top Up amount*
*Subject to minimum of Rs. 250
Documentation Charges* Rs 199
Renewal Fees

For loans:

  • Up to 50 thousand: RS 300
  • Greater than 50 thousand up to 1 lakh: Rs 350
  • Greater than 1 lakh up to 2 lakh: Rs 500
  • Greater than 2 lakh :Rs 1000
Stamp Duty and other statutory charges As per Applicable laws of the State
Overdue Handling Charges (delinquent accounts)
  1. 750 where a notice has been delivered at the communication address and a paper publication is not required
  2. 1,700 where no notice has been delivered at the communication address and the paper publication is to be done
  3. 300 charge for sending auction notice, over and above the preceding points I) and II)
  4. 200 for sending loan recall notice over and above the preceding points I) and II)




GST, TDS, other government taxes, stamp duty, levies, etc. as per prevailing rate will be charged over and above these charges. The above fees will not be applicable for agricultural loans upto ? 25,000 per customer.

*Applicable for flexi Gold Loan product.


Annual Percentage Rate:


The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes interest rate and processing fee.

The APR calculator does not include charges like stamp duty, Prepayment charges etc.

To calculate the same, please click here to download the APR calculator.


* Terms and Condition apply

Recommended Product


Personal Loan

Attractive Rate of Interest starting from 11.25% p.a



Avail of Insta Flexicash to finance all your needs!


Fixed Deposit

Opt for a FD accountand let your savings grow


Home Loans

Instant* Sanction with special fees