• 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

 

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