- JALGAON JANATA SAHAKARI BANK LTD., JALGAON
(Scheduled Bank)
Charges & fees
| SN | Loan Type | Eligibility | Maximum Duration | Maximum Amt. | Processing Fee | Rate of Interest |
|---|---|---|---|---|---|---|
| 1 | Home Loan | Applicant have to become share holder of our Bank, must be Indian citizen & competent to contract | 20 Years | Upto Rs.200 lacs | 0.90% * of Loan Amount | 8.00%** p.a. onwords |
| 2 | Two Wheeler Loans | Applicant has to become nominal share holder of our Bank, must be Indian citizen & competent to contract. | 5 Years | 90% of Quotation | 0.90% * of Loan Amount | 11.75% ** p.a.Onwords |
| 3 | Car Loans | Applicant has to become share holder of our Bank, must be Indian citizen & competant to contract< | 100 Months | 90% of Quotation | 0.90% * of Loan Amount | 8.50%** p.a. Onwords |
| 4 | Commercial use | Applicant has to become share holder of our Bank, must be Indian citizen & competent to contract | 5 Years | 80% of Quotation | 0.90% * of Loan Amount | 13.00%** p.a. |
| 5 | Second Hand Car | Applicant has to become share holder of our Bank, must be Indian citizen & competent to contract | 5 Years | 50% to 70% of Valuation approved by bank Valuer | 0.90% * of Loan Amount | 13.00%** p.a. |
| 6 | Dheypurti Karj Yojana | Applicant has to become share holder of our Bank, must be Indian citizen & competent to contract | 84 Months | 20 Lakh | 0.90% * of Loan Amount | 12.50%*p.a. |
| 7 | Central Sector Interest Subsidy Scheme | Parent's Income below 4.50 lakh. Applicant must be student of Approved Education Society and other terms and conditions apply. | 144 Months (Including Moratoriam Period Education Period + 1 Year) | 50 Lakh | 0.90% * of Loan Amount | 9.00%** p.a. Onwrds |
| 8 | Hypothication CC Limit (Working capital limit) | Applicant has to become share holder of our Bank, must be Indian citizen & competent to contract | 1 Year | As per the exposure norms of our bank | 0.90% * of Loan Amount | 9.00%** p.a. Onwords As per CIBIL |
| 9 | O.D. Against Property (O.D.A.P.) | Applicant has to become share holder of our Bank, must be Indian citizen & competant to contract | 1 Year | Upto 15 lacs | 0.90% * of Loan Amount | 9.00%** p.a. Onwords As per CIBIL |
| 10 | Clean Cash Credit | Applicant has to become share holder of our Bank, must be Indian citizen & competant to contract | 1 Year | Upto 0.50 lacs | 0.90%* of Loan Amount | 16.50%** p.a. |
| 11 | Working Capital Demand Loan | Applicant has to become share holder of our Bank, must be Indian citizen & competant to contract | 15 Years | As per the exposure norms of our bank | 0.90%* of Loan Amount | 13.00%** p.a. |
| 12 | Ware House Loans / Cash Credit Pledge | Applicant has to become share holder of our Bank, must be Indian citizen & competant to contract | 12 Months | 70% of the recent valuation of goods kept in the ware house | 0.90%* of Loan Amount | 11.25%** p.a. Onwords As per CIBIL |
* Processing Fee Applicable As Per loan Scheme
** Terms & Conditions apply as per bank Policy
|
Sr. |
Particulars |
Charges |
Applicable To |
|
1 |
Delay Payment Charges |
In the event of the borrower failing to pay by respective due dates any amount of Principal and / or Interest thereon, the penal charges shall be levied @2% p.a. on overdue amount during the period of the default till the date of regularize of term loan account. (Exemption– Loan sanctioned up to Rs. 25000/- to all type of loans and Antyodaya, Swayamsiddha, Vishwakarma & SHG Loan schemes) |
For Personal Type Loans and Business Loans
|
|
2 |
Over Drawn and Non-compliance charges |
Non-compliance of any condition listed below shall attract 2% p.a. penal charges for each condition. In case of delay in the renewal of the CC/OD account @2% p.a. on outstanding amount of CC/OD account till the date of renewal.
In case of the excess drawl amount of CC /OD account, @2% p.a. on excess drawl. The penal charges will be levied till the period of regularization of the account.
|
HYPO CC/ ODAP LOANS (For Business Purpose) |
|
3 |
Agreement to Mortgage (If applicable) |
Additional Charges will be levied on the disbursed amount till compliance of the mortgage formalities as, Nil upto 30 day, and 2% after 30 days, from the date of completion of the 30 days period till the period of completion of mortgage formalities.
In case of property ownership is not with borrower the additional charges will be levied on the disbursed amount till compliance of the mortgage formalities as, Nil up to 90 days, 2% after 90 days from the date of completion of the 90 days period till the period of completion of mortgage formalities. |
For Personal Type Loans and Business Loans
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|
4 |
Minimum Interest |
Minimum interest for the period of 150 days or other period as decided by the bank from time to time will be charged to ODAP Limit. Interest Rate will be applicable as per the sanctioned terms. |
HYPO CC/ ODAP LOANS (For Business Purpose) |
| SN | Particular | Charges | Applicable To |
|---|---|---|---|
| 1 | Home Loan | Applicable as per Loan Scheme | Applicant have to become share holder of our Bank, must be Indian citizen &competent to contract |
| 2 | Any Typ of Mandate Charges (Only Once) | 60/- | All Account |
| 3 | SMS Charges ( Quarterly Basis) | 0.15 Paise Per SMS | All Account |
| 4 | Cheque Book Per Leaf Charges | 3.00 | Cheque Book - Per Leaf |
| 5 | ATM Cards Annual/Renewal Charges | Rs. 150/- | All A/c |
| 6 | ATM Card Lost/Damaged/Forgot ATM Pin | Rs. 150/- | All A/c |
| 7 | ATM Transactions Charges-Onus Transactions(On JJSB ATM Machine) | Free | All A/C |
| 8 | ATM Transactions Charges-Issuer Transactions(On Other Bank ATM Machines) | Free | First Five Transactions within one month |
| 9 | ATM Transactions Charges-Issuer Transactions(On Other Bank ATM Machines) | Rs. 8/- | Balance Enquiry/Mini Statement after 5 free Transactions |
| 10 | ATM Transactions Charges-Issuer Transactions(On Other Bank ATM Machines) | Rs. 23/- | Per Withdrawal Transaction after 5 free transactions (with GST) |
| 11 | RTGS CHARGES(RBI/2008-09/207 AND Bank cir no. 104/5484) | Free | RTGS Credit |
| 12 | RTGS CHARGES | Free | Upto 10000/- |
| 13 | RTGS CHARGES | Rs. 3/- | 10,000 to 1 lac |
| 14 | RTGS CHARGES | Rs. 12/- | 1lac to 2lac |
| 15 | RTGS CHARGES | Rs. 25/- | 2lac to 5lac |
| 16 | RTGS CHARGES | Rs. 50/- | Above 5lac |
| 17 | Cheque Return Charges | Rs. 240/- | Inword Return per cheque(finance) |
| 18 | Cheque Return Charges | Rs. 175/- | Inword Return Per cheque |
| 19 | Cheque Return Charges | Rs. 120/- | Outword Return (Next Bank Charges+Postal Charges) |
| 20 | Duplicate Passbook | Rs. 65/- | Deposite and Pigmy |