Fees & Charges

Introduction
Gold Loan
Processing
Charges
Penal / Default
Charges #
Mark to Market
(MTM) Charge
Stamp Duty &
other Statutory
Charges***
Auction
Charges$
Overdue Notice
Charges$ (once
in 90 days)
SMS
Charges
Part-Payment
Charges
Pre-Closure
Charges
Upto 2 % 0.5% p.m. (6% p.a.)
(inclusive of GST)
₹ 500
(inclusive of GST)
As per applicable laws of the state ₹ 1500
(inclusive of GST)
₹ 200 per Notice
(inclusive of GST)
₹5.9 per Quarter (inclusive of GST) NIL NIL (Minimum of
7 days interest
will be charged if
loan is closed
within 7 days)
BUSINESS LOAN
Processing
Charges
Penal / Default
Charges #
NACH / E-Mandate
Bounce Charges
Documentation
Charges
Bank Swapping
Charges
NeSL
Reporting**
Stamp Duty &
other Statutory
Charges***
Prepayment/Foreclosure
Charges*
2% - 9% 2% p.m. (24% p.a.) Up to ₹ 2500 Up to ₹ 4000 ₹ 500 As Applicable As per
applicable laws
of the state
0-6 Months- 7%,
7-24 Months- 5%,
>24 Months-4%
PERSONAL LOAN
Processing
Charges
Penal / Default
Charges #
NACH / E-Mandate
Bounce Charges
NeSL
Reporting**
Stamp Duty & other
Statutory Charges***
Prepayment/Foreclosure
Charges*
2% - 6% 2% p.m. (24% p.a.) ₹ 500 As Applicable As per applicable laws
of the state
Maximum – 7%
DIGITAL FINANCE
Processing
Charges
Penal / Default
Charges #
NACH / E-Mandate
Bounce Charges
Documentation
Charges
Bank Swapping
Charges
NeSL
Reporting**
Stamp Duty &
other Statutory
Charges***
Prepayment/Foreclosure
Charges*
Upto 10 % 2% p.m. (24% p.a.) ₹ 500 Upto 3.5% ₹ 500 As Applicable As per
applicable laws
of the state
Upto 4 %
SUPPLY CHAIN FINANCE
Processing
Charges
Stamp Duty & other
Statutory Charges***
Penal / Default
Charges #
0.75% - 2% As per applicable laws of
the state
2% p.m. (24% p.a.)
COMMERCIAL REAL ESTATE
Processing
Charges
Penal / Default
Charges #
Collateral Evaluation
Charges
Prepayment/Foreclosure
Charges*
Up to 2% of the loan amount
approved
0.5% p.m. (6% p.a.) At Actuals Upto 4%
LOAN AGAINST SECURITIES
Processing
Charges
Penal / Default
Charges #
NACH / E-Mandate
Bounce Charges
Stamp Duty &
other Statutory Charges***
NeSL
Reporting**
0.25% to 1% 2% p.m.
(24% p.a.)
as per actuals As per applicable laws of the state As Applicable
LOAN AGAINST SECURITIES
Processing
Charges
Penal / Default
Charges #
NACH / E-Mandate
Bounce Charges
Stamp Duty &
other Statutory Charges***
NeSL
Reporting**
0.25% to 1% 2% p.m.
(24% p.a.)
as per actuals As per applicable laws of the state As Applicable
LOAN AGAINST SECURITIES (DIGITAL)
Fees / Charges Fees / Charges (% / Rs.)
Processing Fees
Loan amount Loan Tenure Processing Fee (Excl. of GST)
Up to 100,000 1 - 3 years 2.00%
>1 Lakh – 5 Lakh 1 - 2 years 1.50%
3 years 2.00%
>5 Lakh – 1 cr 1 year 1.00%
2 years 1.50%
3 years 2.00%
Bounce Charges Up to INR 2000/- + Taxes (Per instance)
Foreclosure / Part payment charges 5%+GST of the amount paid by the customer towards foreclosure / part payment
Annual Maintenance Charge INR 999/- + GST or 0.50% of the Limit whichever is higher
Pledge Creation Charges INR 500/- + GST
Pledge Revocation Charges Up to INR 499/- + GST
Pledge Revocation charges (without availing loan) Up to INR 999/- +GST
Pledge Invocation Charges Up to INR 2000/- + GST
Legal Charges Up to INR 5000/- + GST
Collection Charges Up to INR 5000/- + GST
Commitment Charges on non-utilization of Limit 0.25% p.m. +GST of the unutilized limit for <25% utilization (calculated on daily average utilization on a monthly basis); To be charged on a monthly basis.
Penal Charges 3% + GST

# levied on outstanding due amount. Outstanding due amount for this purpose includes the principal outstanding and Interest accrued. Penal charges will not be levied on the outstanding penal due amount
$ The combined levy of overdue notice charges and Auction charges will be capped at ₹ 1500 per customer loan account
*Subject to cooling Period. Charged on outstanding principal
** These charges shall be charged annually in accordance with the fee schedule provided by NESL and are subject to change by NESL.
*** Stamp Duty as per applicable laws of the state

Note :- GST and other government taxes, levies, etc. applicable as per the prevailing rates will be charged in addition to these charges. (if applicable)