The Kalyan Janata Sahakari Bank Ltd.

DEPOSITS

Kalyan Suvarna Mahotsav Thev Yojana (W.E.F. 27thDecember 2022)

Tenure	For Senior Citizen	For General
500 Days	7.50 %	7.25 %
50 Weeks	7.50 %	7.00 %
50 Months	7.75 %	7.35 %

Note : Monthly, quarterly interest payout option is available for deposit period of 500 days & 50 months

ROI for Domestic Savings, NRE Savings & Term Deposits: (W.E.F. 15thAugust 2022)

Savings Deposits (Domestic, NRE & others)	2.50 % p.a.
Above 1 year up to 3 years (TD NRE)	5.30% p.a.
Above 3 year up to 5 years (TD NRE)	5.75% p.a.

Note :

Above mentioned RoI is for Term Deposits below Rs. 15 lakh.
Same RoI is applicable for bulk Term Deposits i.e., Term Deposits of Rs.15 lakh and above up to Rs. 100 lakh.
RoI for Bulk Term Deposits above Rs. 100 lakh To Rs. 500 lakh is 25 BPS lower than the card rate (Retail Deposits).

ROI for Domestic Term Deposits: (W.E.F. 15thNovember 2022)

Tenure	For General	For Senior Citizen
7 - 90 Days	3.50 %	3.75 %
91 – 250 Days	4.75 %	5.00 %
252 Days to 1 year	5.25 %	5.50 %
Above 1 year – up to 3 years	6.00 %	6.50 %
Above 3 year – up to 5 years	6.50 %	7.00 %
Above 5 year – up to 10 years	5.50 %	6.00 %
Tax Saver (Re-investment Plan for 5 years)	6.00 %	6.50 %
Tax Saver (Monthly & Quarterly Income Plan for 5 years)	6.00 %	6.50 %

Click here for pdf of Retail Loans

RETAIL LOAN

SR. NO	RETAIL LOAN SCHEMES	LOAN AMOUNT	MARGIN	SHARE LINKAGE	PROCESS FEE	RATE OF INTEREST %	GUARANTORS REQUIREMENT	REPAYMENT PERIOD
1 (i)	Term Loan against Bank’s Term Deposit (FDLN)	Maximum : As per bank's exposure norms and margin criteria	5% to 10%	Nil	Nil	ROI of FD+1%(Up to Rs.15.00 lakh) ROI of FD+0.50% to 0.75%(For Rs.15.00 lakh and above) For Third party (ROI of FD+ 1% ) Single Loan OR Fix Deposit above Rs.100.00 lakh- additional ROI-0.50% to 1.00%	N.A.	Up to maturity of Deposit
(ii)	Overdraft against Bank’s Term Deposit (FDOD)	Maximum : As per bank's exposure norms and margin criteria	10%	Nil	Nil	ROI of FD+1%(Up to Rs.15.00 lakh) ROI of FD+0.50% to 0.75% (For Rs.15.00 lakh and above) For Third party (ROI of FD+ 1% ) Single loan OR Fix Deposit above Rs.100.00 lakh additional ROI @0.50% to 1.00%	N.A.	12 months OR Maturity of FD which ever is earlie
2 (i)	Term Loan against Gold Ornaments- Bullet Payment (GLLN)	Maximum : Rs.2.00 lakh	35%	NMF up to Rs.1.00 lakh, and for above Rs.1,000/	Up to Rs.1.00 lakh-Rs.500/- Above Rs.1.00 lakh-0.50%	9.00%	N.A.	12 months
(ii)	Term Loan against Gold Ornaments 24 EMIs (GLLN -1)	Maximum : As per bank's exposure norms and margin criteria	25%	NMF up to Rs.1.00 lakh, and for above Rs.1,000/-	Up to Rs.1.00 lakh-Rs.500/- Above Rs.1.00 lakh-0.50%	9.00%	N.A.	24 months
3 (i)	Term Loan facility against Govt. Paper Securities NSC/LIC	Maximum : As per bank's exposure norms and margin criteria	10% if above 3 years else 20%	Rs.1,000/-	Up to Rs.1.00 lakh-Rs.500/- Above Rs.1.00 lakh-0.50%	9.50%	N.A	Maximum 60 months OR residual period up to maturity of security whichever is shorter. For Overdraft 12 months subject to review
(ii)	Overdraft against Govt. Paper Securities NSC/LIC	Maximum : As per bank's exposure norms and margin criteria	10% if above 3 years else 20%	Rs.1,000/-	Up to Rs.1.00 lakh-Rs.500/- Above Rs.1.00 lakh-0.50%	9.50%	N.A.
4 (i)	Kalyan Suvidha – Personal Loan Scheme (PLLN)	Personal Loan Scheme (PLLN) Minimum: Rs.0.50 lakh Maximum Rs.5.00 lakh	10%	@ 5.00% of Loan Amount	@ 1.00% of Loan Amount Minimum Rs.500/-	13.50% if repayment tie up with salary. 14.00% -In all other cases.	One Guarantor.	Maximum 8 years, (6 months moratorium-Approval by C.M.H.O.- Credit)
(ii)	Kalyan Suvidha – Personal Overdraft	Minimum :Rs.0.50 lakh Maximum Rs.5.00 lakh	--	@ 5.00% of Loan Amount	@ 1.00% of Loan Amount Minimum Rs.500/-	13.50% if repayment tie up with salary. 14.00% -In all other cases.	One Guarantor.	Repayable on demand subject to Annual Review
5	Kalyan Vishesh Vaiyaktik Karja Yojana (SPLLN)	Minimum :Rs.2.00 lakh Maximum Rs.5.00 lakh	10% of Agreement Cost/Const Cost	@ 5.00% of Loan Amount	@ 1.00% of Loan Amount Minimum Rs.500/-	13.50% if repayment tie up with salary. 14.00% -In all other cases.	Minimum One Guarantor	9 Years
6	Kalyan Vastu Scheme (HSLN)	Minimum :Rs.5.00 lakh Maximum Rs.140.00 lakh (subject to limit allowed by RBI)	For New 10% For Resale 10%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	@ 0.25% of Loan Amount	For Salaried & Businessman: Up To Rs.35.00 lakh - 8.50%. Up to Rabove Rs. 35.00 lakh- 10.00%	No Guarantor, however spouse to be taken as Co applicant. If spouse is not taken as guarantor then One Guarantor	Maximum20 years(Moratoriu m till construction OR 18 months whichever is earlier in deserving cases and on demand from
7	Kalyan Vahan (Four Wheeler/ Two Wheeler-KVLN)	Maximum : As per bank's exposure norms and margin criteria	For New: Nil on Basic Cost OR 10% of on road price. For Resale: 20%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	Four Wheeler : Rs. 5000/- Lumpsum For Two Whhler: Rs. 1500/- Lumpsum	Four Wheeler CIBIL score up to 700 – 9.00% p.a. CIBIL Score above 700- 8.50% (For Resale 1.00% extra) Four Wheeler For loan above Rs.20.00 lakh : CIBIL score up to 700 - 10.00%.p.a. and CIBIL score above 700- 9.50% (For Resale 1.00% extra) Two Wheeler 12.00%	No Guarantor. (Spouse on Best Effort Basis)	7 years for new Car 4 years used Car (based on valuation report)
8	Kalyan Vastu Vikas (KVVLN)	Minimum :Rs.2.00 lakh Maximum : For CDOD Rs.35.00 lakh and for Term Loan (may be up to Rs.100.00 lakh)	20%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	@ 0.50% of Loan Amount Minimum Rs.1000/-	Up Rs.35.00 lakh -10.00% Above Rs.35.00 Lakh-10.50%	One Guarantor	15 Years
9	Kalyan Sankalp Siddhi (KSS)	Minimum :Rs.5.00 lakh Maximum : Rs.35.00 lakh (may be up to Rs.100.00 lakh)	10%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	@ 0.50% of Loan Amount Minimum Rs.1000/-	Up Rs.35.00 lakh -10.00% Above Rs.35.00 Lakh-10.50%	One Guarantor	15 Years (inclusive of moratorium of 24 months if required)
10	Kalyan Paryatan – Term Loan for Tour	Minimum :Rs.0.25 lakh. Maximum : For domastic Rs.2.00 lakh and Overseas up to Rs.10.00 lakh	10% up to Rs.2.00 lakh and 20% above 2.00 lakh	@ 5.00% of Loan Amount	0.50% of loan amount (Minimum Rs.1000/-)	13.50% for unsecured. 12.00% for secured	One Guarantor	5 Years
11	Kalyan Gramin Suvidha scheme (KGSY)	Maximum : Rs.10.00 lakh	20%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	@ 0.50% of Loan Amount Minimum Rs.1000/-	11.00%	One Guarantor	10 Years
12	Kalyan Gramin Udyog Scheme (KGUY)-Ganapati Idol making above Rs.5.00 lakh to be covered under	Maximum : Rs.15.00 lakh	20%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	11.00%	One Guarantor	10 Years
13	Kalyan Gramin Gruh Nirman (KGGN)	Maximum : 1)Rs.15.00 lakh for purchase of flat. 2) Rs. 25.00 lakh for cosntruction of house/bunglow	10%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	11.00%	One Guarantor	15 Years
14	Kalyan Saraswati Education Loan (Unsecured loan up to Rs.5.00 lakh	For unsecured Minimum :Rs.0.50 lakh. Maximum : Rs.5.00 lakh For Secured Minimum :Rs.0.50 lakh. Maximum : Rs.50.00 lakh.	10%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	10.00%	One Guarantor	12 Years (Including moratorium). However, up to Rs.5.00 lakh, repayable in 60 months (Excluding moratorium).
15	Kalyan Shushrut Yojana	Manimum : Rs.5.00 lakh. Maximum : Rs. 500.00 lakh.	20% on cost of Machinery and Estimate of Renovation and 10% on Property For Purchase of Ambulance NIL on basic proce	1)Up to Rs.50.00 lakh-2.50% OR Rs.0.50 lakh, minimum. 2)Above Rs.50.00 lakh-up to Rs.100.00 lakh.-2.50% OR Rs.1.00 lakh minimum. 3) Above Rs.100.00 lakh -up to Rs.500.00 lakh.-2.50% OR Rs.2.00 lakh.	0.50% of loan amount (Minimum Rs.1000/-)	Up To Rs.35.00 lakh - 9.00%. Above Rs.35.00 lakh to Rs.50.00 lakh - 9.50%, Rs.50.00 lakh and Above based on CRR.	One Guarantor	48 to 84 months (inclusive of moratorium period) for Furniture /Equipment. 84 to 120 months (inclusive of moratorium period) for premises. 12 months for Overdraft limit.(Maximum 18 months moratorium depending upon need and requirement of project.
16	Ganpati Murtikar/Idol Maker Scheme	Manimum : Rs.0.25 lakh. Maximum : Rs. 5.00 lakh.	--	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	11.00%	One Guarantor	One Time repayment (By end of Festive SeasonSept/Oct ____)
17	Top Up under - All loans A/cs where property is mortgaged with us.	As per available coverage and repayment Capacity	20%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	Up Rs.35.00 lakh -8.50% Above Rs.35.00 Lakh-10.00%	For Housing Top Up Loan : No Guarnator & Consent from existing guarantor. (However spouse tobe taken as Co Applicant) For Top up Term Loan : One Guarantor or Existing Guarantors	Maximum 120 months
18	Kalyan Dhanvantari (Term Loan/Overdraft)ag ainst properties	Manimum : Rs.5.00 lakh. Maximum : Rs. 35.00 lakh.	25% on Hypothecati on and 20% on Property	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	10.00%	Minimum One guarantor	Maximum Tenure up to 7 years (Including initial moratorium up to 12 months)
19	Personal Overdraft scheme for practising C.A	Minimum : Rs.0.50 lakh. Maximum : Rs. 5.00 lakh.	--	@ 5.00% of Loan Amount	0.50% of loan amount (Minimum Rs.1000/-)	Priority Sector : 9.50% Non Priority Sector : 11.00%	No Change (Spouse on best effort basis)	Repayable on demand subject to Annual Review
20 (New Sche me)	Kalyan Vahan (Light Commercial Vehicle - KVLN) Maximum Rs.10.00 lakh. (Subject to applicable T&C	Minimum : Rs.0.50 lakh. Maximum : Rs. 10.00 lakh.	For New Vehicle only 20% of on road price.	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	10.50%	One Guarantor	5 years
21 (New Sche me)	Kalyan Pensioners (PLLN)	Minimum : Rs.0.50 lakh. Maximum : Rs. 5.00 lakh	10%	@ 5.00% of Loan Amount	@ 1.00% of Loan Amount Minimum Rs.500/-	9.50%	One Guarantor (T & C applicable)	Up to 5 years (T& C applicable)
22	Kalyan Go-Green Electrical Vehicle Loan Scheme	Personal Use: Minimum : Rs.0.50 lakh. Maxumum: As per bank's exposure norms and margin criteria Commercial Use: Minimum :Rs.0.50 lakh. Maximum : Rs. 10.00 lakh.	10%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	For Four Wheeler Personal use : 9.00% Commercial use : 10.00% Two Wheeler : 12.00%	For Personal use : No Guranarator For Commercial use : One Guarantor	For Two Wheeler : Up to 5 Years For Four Wheeler : Up to 7 Years
23	Kalyan Saur Urja	Minimum : Rs.0.50 lakh. Maximum : Rs. 35.00 lakh.	25%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	Loan up to Rs. 35.00 Lakh : 10.50% Loan above Rs. 35.00 Lakh: 11.00%	One Guarantor + Spouse *	Up to 7 Years
24	Kalyan Vahan - Heavy Copmmercial Vehicle Loan	Minimum : Rs.5.00 lakh. Maximum : Rs. 100.00 lakh.	20%	No change	0.50% of loan amount (Minimum Rs.1000/-)	10.5% (Incentive 0.50% on prompt repayment quarterly basis will be discontinue henceforth)	Min. Two Guarantor	Maximum up to 8 yearts inclusive moratorium period
25	Kalyan Udyog Mantra (For purchase of Machinery	Minimum : Rs.1.00 lakh. Maximum : Rs. 100.00 lakh.	20%	@ 1.00% of Loan Amount OR Rs. 25000/- whichever is lower	0.50% of loan amount (Minimum Rs.1000/-)	Without Collateral: 11.00%* Collateral Security 50% - ROI 10.50% Collateral Security 60% - ROI 10.00% Collateral Security 70% - ROI 9.50% Collateral Security 80% - ROI 9.00%	Min. Two Guarantor	Maximum up to 7 yearts inclusive moratorium period

Note:

1. Charges on actual basis means all charges( with applicable GST)
2. For all above loans Terms and Conditions applied as per Book Let./Scheme Document.
3. Salary Tie-up : Salary directly credited with our Bank under confirmation from employer

SPECIAL RETAIL LOAN

SR. NO	PRODUCT NAME	ROI	MARGIN	SHARE LINKAGE	PROCESSING FEES (EXCLUDING GST)	DOCUMENTATION CHARGES	GUARANTOR/S	NOMINAL MEMBERSHIP FEES

1	Personal Loan
	Kalyan Vishesh Vaiyaktik Karja	For salaried individuals along with guarantor -11.40 % p.a.	15 % of agreement cost / construction cost	Rs. 1,000/-	Loan up to Rs.1 lakh - Rs. 500/ - of loan amount	On actual basis	One guarantor	Rs. 100/ - per guarantor
	Kalyan Vishesh Vaiyaktik Karja	For others -11.90% p.a.	15 % of agreement cost / construction cost	Rs. 1,000/-	Above Rs.1 lakh - 0.50% of loan amount	On actual basis	One guarantor	Rs. 100/ - per guarantor

2	Loan for Idol Makers
	Loan for Idol Makers / Ganpati Murtikar	10 % p.a.	NIL	Rs. 1,000/-	NIL	(1) On actual basis + CERSAI charges	One guarantor	Rs.100/ - per guarantor
						(2) For hypothecation : Rs.300/- per instrument
						(3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter

3	Kalyan Gramin Gruh Nirman
	Max. Rs.15.00 lakhs for purchase of flat	0.40% of loan amount (Minimum Rs.1000/-) .	9.00 % p.a.	10 %	Rs. 1,000/-	On actual basis	One guarantor	Rs.100/ - per guarantor	15 years
	Rs.25.00 lakhs for construction of house / bunglow	0.40% of loan amount (Minimum Rs.1000/-) .	9.00 % p.a.	10 %	Rs. 1,000/-	On actual basis	One guarantor	Rs.100/ - per guarantor	15 years

4	Kalyan Gramin Udyog Yojana
	Max. loan amt. Rs.15.00 lakhs	0.40% of loan amount (Minimum Rs.1000/-)	9.00%	10%	Rs.1000/-	(1) On actual basis	One guarantor	Rs.100/ - per guarantor	10 years

5	Kalyan Gramin Suvidha Yojana
	Max. loan amt. Rs.10.00 lakhs	0.40% of loan amount (Minimum Rs.1000/-)	9.00%	20%	Rs. 1,000/-	(1) On actual basis	One guarantor	Rs.100/ - per guarantor	10 Years

6	Covid 19 Emergency Loan For Salary Earners
	Covid 19 Emergency Loan For Salary Earners	In case of Housing / Morgtage loan - 8.50 % p.a.	In case of Housing / Morgtage loan - Margin should be 10%	Rs. 1,000/-	NIL	(1) On actual basis + CERSAI charges	One guarantor	Rs.100/ - per guarantor
		In case of Personal loan - 8.50 % p.a.	In case of Personal loan - NIL			(2) For hypothecation : Rs.300/- per instrument
		In case of Personal loan - 8.50 % p.a.	In case of Personal loan - NIL			(3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter

COMMERCIAL LOAN

SR. NO	PRODUCT NAME	ROI	MARGIN	SHARE LINKAGE	PROCESSING FEES (EXCLUDING GST)	DOCUMENTATION CHARGES	GUARANTOR/S	NOMINAL MEMBERSHIP FEES

1	Cash Credit / Overdraft Facility
	CC / CDOD Facility	Based on credit risk rating	(A) For Cash Credit Facility :	2.50 % Rs. 25 lakh whichever is less	As per size of advance but not more than 1% of exposure	(1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification). (2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount. (3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit. (4) Mortgage charge – as applicable. (5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.	Two guarantor	Rs. 100/ - per guarantor
			30 % of stock and 40 % of receivables, supported by collateral security in the form of property or LIC Policy / Ntional Security Certificate etc. as per bank's policy.
			(B) For Overdraft Facility :
			40% to 50% on value of property

2	Term Loan (Mortgage & Hypothecation)
	Term Loan	Based on credit risk rating	Minimum 20% of agreement value or market value of property whichever is less	2.50 % Rs. 25 lakh whichever is less	As per size of advance but not more than 1% of exposure	(1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification). (2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount. (3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit. (4) Mortgage charge – as applicable. (5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.	Two guarantor	Rs. 100/ - per guarantor
	Term Loan	Based on credit risk rating	25 % of cost of assets to be acquired or maximum up to 50 % of property	2.50 % Rs. 25 lakh whichever is less	As per size of advance but not more than 1% of exposure		Two guarantor	Rs. 100/ - per guarantor

3	Lease Rent Discounting Loan
	Lease Rent Discounting Loan	9.00 % to 11.50 % p.a.	5% to 10% on rent receivable (excluding tax & TDS)	Rs. 1,000/-	0.50 % of loan amount (Minimum Rs. 1 lakh, Maximum Rs. 3 lakh)	(1) On actual basis + CERSAI charges	One guarantor	Rs. 100/ - per guarantor
						(2) For hypothecation : Rs.300/- per instrument
						(3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter

4	Commercial Real Eastate Loan
	Lease Rent Discounting Loan	9.00 % to 11.50 % p.a.	50%	Rs. 1,000/-	1% of sanctioned limit	(1) On actual basis + CERSAI charges	Two guarantor	Rs. 100/ - per guarantor
						(2) For hypothecation : Rs.300/- per instrument
						(3) For mortgage : Rs. 500/- per property up to 4 properties and Rs. 100/- for each property thereafter
Note : (1) If prepaid from own sources, 1.00% of the prepaid amount in loan account.
(2) Where credit facilities are shifted to or are taken over by another Bank, 2% on sanctioned limit in case of Cash Credit / Overdraft facility

5	SME Loan
	SME Loan	Based on credit risk rating	Minimum 20% of agreement value or market value of property whichever is less	2.50 % Rs. 25 lakh whichever is less	As per size of advance but not more than 1% of exposure	(1) Stamp duty on documents to be executed: ₹ 100/- per document (as per prevailing stamp duty act, subject to change as per govt. Notification). (2) Stamp duty on hypothecation deed: 0.1% of the loan amount up to ₹ 5 lakh & otherwise 0.2% of loan amount. (3) Stamp duty on mortgage document: 0.1% of the loan limit if limit is up to ₹ 5 lakh, otherwise, 0.2% of loan limit. (4) Mortgage charge: as applicable. (5) Professional fees / charges of advocate for search report and title clearance report- on actual basis.	Two guarantor	Rs. 100/ - per guarantor
	SME Loan	Based on credit risk rating	Maximum up to 50 % of property	2.50 % Rs. 25 lakh whichever is less	As per size of advance but not more than 1% of exposure		Two guarantor	Rs. 100/ - per guarantor

SPECIAL COMMERCIAL LOAN

SR. NO	PRODUCT NAME	ROI	MARGIN	SHARE LINKAGE	PROCESSING FEES (EXCLUDING GST)	DOCUMENTATION CHARGES	GUARANTOR/S	NOMINAL MEMBERSHIP FEES

1	Covid 19 Emergency Loan For Businessmen
	Covid 19 Emergency Loan For Businessmen	In case of credit rating as per bank's scale -(1 to 3 stars)- 8.50 % p.a.	(1) Credit facility against Principal security of Stock and Book Debts - 25% margin on paid stock and 25% on Receivables. In general however, considering working capital cycle and actual requirement of working capital, margin may be reduced.	Rs. 1,000/-	0.10% of loan amount	On actual basis	Two guarantor or existing guarantors	Rs. 100/ - per guarantor
			(2) Credit facility against Principal security of Immovable property - Minimum 20%
		In case of credit rating as per bank's scale -(4 to 6 stars)- 9 % p.a.	(3) Credit facility against Principal security of Hypothecation of movable property - Minimum 25% (on WDV of machinery as per last audited Balance Sheet after netting outstanding balance in Hypothecation Loan account granted if any with required margin).
Note : (1) This ROI will be applicable for first 9 months and thereafter Bank will take review of Rate of Interest.
(2) For existing credit facilities, existing rate of interest would continue as per existing Credit rating. (New borrower if not suitable as per ban's scale i.e. below 5 star credit rating should not be sanctioned facility under this scheme)
(3) Prepayment Charges - (i) NIL in case of repayment from own source. (ii) 2% in case of takeover of facility by other bank / financial institution

2	Covid 19 Emergency Loan Professionals
	Covid 19 Emergency Loan Professionals	8.50 % p.a.	NIL	Rs. 1,000/-	NIL	On actual basis	Two guarantors or existing guarantors	Rs. 100/ - per guarantor

3	Covid 19 Emergency Loan SMEs
	Covid 19 Emergency Loan SMEs	9 % p.a.	NIL	Rs. 1,000/-	NIL	On actual basis	Two guarantors or existing guarantors	Rs. 100/ - per guarantor

DEPOSITS

A		Ledger Folio Charges :
Particulars			Revision in charges w.e.f. 01.01.2022 (Charges mentioned below are excluding GST)
	I	Current Account - (If Average balance is Below Rs. 5,00,000/-)	₹ 100/- per Ledger Folio or fraction thereof per quarter (40 entries constitute one L.F.) Minimum ₹ 100/-
	II	Cash Credit Account (if Annual utilization of limit is below 85%)

B	Service Charges
(1)	Savings Account :	No Charges (W.E.F. 01.08.2022)
(2)	Current Account :	₹ 100/- Half yearly (W.E.F. 01.08.2022)

C		Duplicate Passbook	₹ 100/- per ledger page (40 entries)

	Account Statement :
I	Account Statement	₹ 100/- per L.F. of previous entries (One L.F. contains 40 entries)
	E-statement is free for registered customers

E		Stop payment instructions / withdrawal thereof/ Cancellation of ECS:
	I	For all type of accounts	₹ 150/- per cheque (subject to maximum ₹ 1,000/-)

	Cheque/ECS Return Charges (Inward/Outward/Counter Return Charges):
I	Up to 5.00 lakh	₹ 250/- per instrument
II	Above Rs. 5.00 lakh	₹ 400/- per instrument
	Note: No charges should be levied if stop payment cheque is returned

	Closing account/s within one year from account/s opening
I	Savings Account	₹ 600/-
II	Current Account	₹ 1000/-
	Exempts if Bank discontinues relationship / death of account holder

H		Chequebook facility:
1)	I	Savings Account	30 cheque leaves free in a calendar year
	II		₹ 3/- per cheque thereafter
	II		No charges for accounts of Co-operative Societies
2)	I	Current Account:	₹ 3/- per cheque

	Changes in operational instructions / addition/ deletion / substitution of names:
I	Savings Account	Free
II	Current Account	₹ 100/- per occasion

ADVANCES

A		Processing fees - applicable to Schematic lending products :
Particulars			Revision in charges w.e.f. 01.01.2022 (Charges mentioned below are excluding GST)
(1)		Personal Loan - Kalyan Suvidha
	I	Term loan	(i) Up to ₹ 1 lakh : ₹ 500/ - of loan amount
			Above ₹ 1 lakh - 0.50% of loan amount
	II	Overdraft facility	Up to ₹ 1 lakh - ₹ 500/ - of loan amount
			Above ₹ 1 lakh - 0.50% of loan amount
(2)		Housing Loan - Kalyan Vastu	------------NIL------------
(3)		Auto Finance - Kalyan Vahan	------------NIL------------
(4)		1. For New Vehicles	For new vehicle - NIL on basic cost or 10 % of on road price-	Rs. 1,000/-	At actual basis	No Guarantor. (Spouse on Best Effort Basis)	Rs.100/- up to Rs.50.00 lakh, for above Rs.50.00 lakh Regular Membership	7 years for New Car & 4 years for Used car
(5)		Mortgage Loan
	I	Loan Against Property (Kalyan Vastu Vikas)
		Term Loan	------------NIL------------
		Overdraft	------------NIL------------
	II	Property Purchase Loan - Kalyan Sankalp Siddhi
(6)		Professional Loan for Doctors up to ₹ 500.00 Lakh - Kalyan Sushrut Yojana
	I	For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	------------NIL------------
	II	For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable) & up to ₹ 300 lakh	0.40% of sanction amount (Maximum - ₹ 1 lakh)
	III	For loan above ₹ 300 lakh & up to ₹ 500 lakh	0.25% of sanction amount (Maximum - ₹ 1 lakh)
(7)		Travel Loan - Kalyan Paryatan	------------NIL------------
(8)		Loan Against Term Deposits
	I	Term Loan	------------NIL------------
	II	Overdraft	------------NIL------------
(9)		Loan Against Paper Securities
	I	Term Loan	Up to ₹1 lakh : ₹500/-
			Above ₹ 1 lakh: 0.50 % of loan amount
	II	Overdraft	Up to ₹ 1 lakh: ₹ 500/-
			Above ₹ 1 lakh: 0.50 % of loan amount
(10)		Gold Loan
	I	In case of Bullet Repayment (Only Interest payment per month)	Up to ₹ 1 lakh: ₹ 500/-
			Above ₹ 1 lakh: 0.50 % of loan amount
	II	In case of Regular Repayment (Principle + Interest payment per month)	Up to ₹ 1 lakh: ₹ 500/-
			Above ₹ 1 lakh: 0.50 % of loan amount
(11)		Top-up Loans
	I	Housing Loan (Kalyan Vastu)	------------NIL------------
	II	Loan Against Property (Kalyan Vastu Vikas)
	III	New Property Purchase Loan (Kalyan Sankalp Siddhi)
(12)		Vishesh Vaiyaktik Karja (SPLLN)
	I	Term Loan	Up to ₹ 1 lakh: ₹ 500/-
		Term Loan	Above ₹ 1 lakh: 0.50 % of loan amount
(13)		Kalyan Gramin Scheme (KGGN, KGSY, KGUY)
	I	Term Loan	------------NIL------------
(14)		Rent Discounting Loan
	I	Term Loan	0.50 % of sanction amount (Min. ₹ 1.00 lakh & Max ₹ 3.00 Lakh)
(15)		Ganpati Murtikar / Idol Maker
	I	Term Loan	------------NIL------------

B		Processing fees - applicable to credit proposals above ₹ 37.00 Lakh or 0.20% of Tire-I Capital (As applicable) other than Schematic Lending's :
(1)		New/ Fresh Limits :	Funded	Non-funded
	I	Upto ₹ 100 lakh	1.00%	0.50%
	II	Above ₹ 100 lakh upto ₹ 300 lakh	0.75%	0.35%
			Minimum ₹ 1 lakh	Minimum ₹ 0.50 lakh
			Maximum ₹ 1.50 lakh	Maximum ₹ 0.75 lakh
	III	Above ₹ 300 lakh upto ₹ 500 lakh	0.50% maximum ₹ 2 lakh	0.25% maximum ₹ 1 lakh
	IV	Above ₹ 500 lakh	0.40% maximum ₹ 3 lakh	0.20% maximum ₹ 1.50 lakh
(2)		Renewal of Limits :	Funded	Non-funded
	I	Upto ₹ 100 lakh	0.25%	0.10%
	II	Above ₹ 100 lakh upto ₹ 300 lakh	0.02%	0.07%
			Minimum ₹ 0.25 lakh	Minimum ₹ 0.10 lakh
			Maximum ₹ 0.45 lakh	Maximum ₹ 0.15 lakh
	III	Above ₹ 300 lakh upto ₹ 500 lakh	0.15% maximum ₹ 0.60 lakh	0.05% maximum ₹ 0.20 lakh
	IV	Above ₹ 500 lakh	0.12% maximum ₹ 1 lakh	0.02% maximum ₹ 0.25 lakh

	Periodic Inspection of units in case of working capital limits against stock / receivables :
I	For limits upto ₹ 5 Lakh	₹ 500/- per visit
II	Above ₹ 5 Lakh and upto ₹ 15 Lakh	₹ 1,000/- per visit
III	Above ₹ 15 Lakh and upto ₹ 50 Lakh	₹ 1,500/- per visit
IV	Above ₹ 50 Lakh	₹ 2,000/- per visit
	(+) Add : Vehicle charges if any, on actual basis
	Note : It should be recovered at the time of renewal along with processing charges.

	Notice charges :
I	Overdue loan notice / reminder charges	₹ 100/- per Notice
II	Final notice	₹ 200/- plus postage or courier charges on actual basis
	Note: In case of NPA A/cs Charges to be collected at the time of recovery

E		Documentation charges :
(1)		Mortgage Charges
	A	Creation/Extension of Equitable/ Registered Mortgage
		Particulars	Registered /Equitable Mortgage
	I	Credit Limit upto Rs. 25.00 lakh	₹ 2,500/-
	II	Credit limit above Rs. 25.00 Lakh up to Rs. 50.00 lakh	₹ 5,000/-
	III	Credit Limit above Rs. 50.00 lakh	₹ 12,500/-
	B	Release of mortgage :
	I	Registered Mortgage Release - ₹1000/-
	II	Equitable Mortgage Release - No charges during 1st month of closure of a/c. however, if title deeds are not collected within a month of closure of a/c, charges may be levied @ ₹ 500/- p.m. for per property document (On closure of a/c Branch should send letter to the borrower to collect documents within 1 month.)
		Other charges i.e. franking, stamp duty & NOI are at actual basis
		Note: Relaxation power delegated to Executive Committee (Credit)

	CERSAI Registration Charges :
A	Hypothecation of stock, book debts, machinery, vehicles, intangible assets
I	For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	------------NIL------------
II	For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	₹ 1000/- per instrument
B	Mortgage of immovable Property
I	For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	------------NIL------------
II	For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	₹ 1000/- per property
C	Satisfaction of hypothecation / mortgage charge	------------NIL------------

	NESL Charges for Existing FTP method of upload
A	For Company, LLP	First Year Fee Per Loan/Debt record	Annual Renewal Fee per Loan/Debt record (from 2nd year onwards)
I	1ST Loan / Debt Record	₹ 300/-	₹ 250/- per annum
II	2nd to 10th Loan/Debt Record	₹ 100/-	₹ 100/- per annum
III	11th Loan/Debt record onwards	₹ 50/-	₹ 50/- per annum
B	Other type of business - Partnership Firm / Proprietorship / Sahakar / Samiti / HUF / Trust / AOP / Club/ Society	First Year Fee Per Loan/Debt record	Annual Renewal Fee per Loan/Debt record (from 2nd year onwards)
I	1ST Loan / Debt Record	₹ 150/-	₹ 125/- per annum
II	2nd Loan/Debt record onwards	₹ 50/-	₹ 50/- per annum
C	For Individuals (as a one-time charge)
I	Secured Loan	₹ 50/- per loan account as a One-time Charge
II	Unsecured Loan	₹ 25/- per loan account as a One-time Charge

F		Commitment Charges (For under-utilization of Cash Credit limit) :
(1)		If the average utilization of a working capital limit is less than 70%, commitment charges shall be levied @ 1% p.a. of the under-utilized portion on quarterly basis.

G		Gold Loans :
(1)		Safe custody charges for gold ornaments not collected after closure of loan a/c are ₹ 500/- p.m. or part thereof after 7 days from the date of closure of loan a/c

H		NSC / Govt. securities loan :
(1)		Service charges for noting charge on certificates and or releasing charges are ₹ 500/-plus out of pocket expenses on actual basis per account. (Should be done exclusively by permanent employee of Bank)

I		Prepayment of credit facilities: If credit facilities are prepaid before due date by borrowers (other than individual borrower/s carrying floating interest rate)
(1)	I	Own Source
		For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	------------NIL------------
		For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	1.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term Loan.
	II	Taken over by Another Bank
		For loan up to ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	------------NIL------------
		For loan above ₹ 37 lakh or 0.20% of Tire-I Capital (As applicable)	2.00 % on Sanctioned limit in case of cash credit / overdraft facility & on Prepaid amount in case of Term Loan

J		Change in other sanction terms such as extension of moratorium/ repayment, change in security/guarantor etc. :
(1)		0.10% of the limit subject to Min. ₹ 1000/- & Max. ₹ 25,000/-

K		Commission on Bank Guarantee :
(1)	I	Fully Secured by 100% Cash Margin (Term Deposit)	up to 1.00% p.a. (Min Rs. 500/- Per Bank Guarantee)
	II	Other cases	2.50% p.a.
		Note : In respect of BGs issued against 100% cash margin / FDs no separate typing / handling charges to be recovered. In respect of all other BGs, however, charges of ₹ 500/- per BG instrument should by recovered separately when typing job is carried out by Bank / Branch.

L		Opening of Letter of Credit :
(1)	I	Opened through the other Banks :
		Charges levied by other Bank to be shared on 50 : 50 basis
(2)		Opened by our Bank :
	I	Fully secured by term deposit	1% p.a. on LC Amount
	II	Other cases	2% p.a. on LC Amount
		Out-of-pocket expenses on postage / telegram / telex / fax / cab etc., to be recovered separately.

M	Amendment Charges :
(1)	Amendment Charges	₹ 500/-
	Note : If the amendment is in respect of the amount or period of L/C appropriate additional charge on the amount so increased or the extension of usuance period shall also be recovered.

N	Solvency Certificate :
(1)	Any purpose (except Education purpose)	₹ 10/- per thousand Min ₹ 1000/- & Maximum ₹ 10000/-
(2)	Education purpose	₹ 200/- per copy minimum ₹ 1000/- irrespective of amount of certificate.

O	Issue of Status / Confidential Report :
(1)	Issue of Status / Confidential Report	------------NIL------------
	Note: All System generated Charges will be applied to accounts on Quarterly basis

INSTRUMENTS & REMITTANCES

A	Issue of Pay-order / Demand Draft / Cheque on banks
Particulars			Revision in charges w.e.f. 01.01.2022 (Charges mentioned below are excluding GST)
	1	Up to and including ₹ 10,000/-	₹ 30/-
	2	₹ 10,001 to ₹ 1,00,000/-	₹ 2/- per ₹ 1,000/- or part thereof, minimum ₹ 30/-
	3	Above ₹ 1,00,000/-	₹ 350/-

B	Issue of Duplicate Demand Draft / Pay-order/ Term Deposit Receipt / Cheque on banks	₹ 100/-

C	Cancellation of Demand Draft / Pay-order / Cheque on banks	₹ 100/-

D	Revalidation of Demand Draft / Pay-order / Cheque on banks	₹ 50/- (Revalidation is permitted only 2 times)

E	Closure of Fixed/Savings/Current A/cs & Remittance of balance by Pay order / DD	NIL

Remittance by Electronic Device
1	Inward RTGS / NEFT / IMPS / Internet Banking	NIL
2	Outward RTGS
	For ₹ 2 lakh to less than ₹ 5 lakh	₹ 25/- per transaction
	For ₹ 5 lakh and above	₹ 50/- per transaction
3	Outward NEFT / IMPS / Internet Banking
	Upto ₹ 10,000/-	₹ 2.50 per transaction
	Above ₹ 10,000 upto ₹ 1 lakh	₹ 5/- per transaction
	Above ₹ 1 lakh upto ₹ 2 lakh	₹ 15/- per transaction
	Above ₹ 2 lakh	₹ 25/- per transaction

Collection of Bills/Cheques
1	Up to and including ₹ 5,000/-	₹ 25/- (applicable only in case of savings account)
2	Above ₹ 5,000/- and up to and including ₹ 10,000/-	₹ 50/-
3	Above ₹ 10,000 and up to & including ₹ 1,00,000/-	₹ 100/- per instrument
4	Above ₹ 1,00,000/-	₹ 150/- per instrument
5	Purchase of cheques presented in Mumbai Clearing	₹ 2/- for every ₹ 1,000/- or part thereof
6	Immediate withdrawal against salary cheque	₹ 25/-per instrument.
7	Handling charges for cheques/bills returned unpaid	50% of above charges Minimum ₹ 100/- (including postage/courier ₹ 30/-)

H	Outstation Collection of cheque by Electronic Device (Speed Clearing)
	1	Up to ₹ 1,00,000/-	₹ 75/- per instrument
	2	Above ₹ 1,00,000/-	₹ 150/- per instrument

Online E Tax Charges
1	Tax Amount upto ₹ 1,000/-	₹ 40/- per transaction
2	Tax Amount above ₹ 1,001/- to ₹ 50,000/-	₹ 75/- per transaction
3	Tax Amount above ₹ 50,001/-	₹ 150/- per transaction

Foreign Inward/ Outward Remittance Charges
1	Upto ₹ 2 lakh	₹ 500/- per transaction
2	Above ₹ 2 lakh to ₹ 5 lakh	₹ 750/- per transaction
3	Above ₹ 5 lakh to ₹ 10 lakh	₹ 1000/- per transaction
4	Above ₹ 10 lakh	₹ 1500/- per transaction

SAFE DEPOSIT LOCKERS

A	One time Locker registration Charges:
Particulars			Revision in charges w.e.f. 01.01.2022 (Charges mentioned below are excluding GST)
	1	For Small lockers	₹ 1000/-
	2	For Medium lockers	₹ 1,500/-
	3	Large lockers	₹ 2,000/-

B
		Locker Rent :
	1	Godrej / Steelage A type plus	₹ 1,600/- p.a.
		(Guardwell A Type + Methodex A Type)	₹ 1,600/- p.a.
	2	Godrej / Steelage B type	₹ 1,800/- p.a.
	3	Godrej / Steelage C type plus (2A Type Methodex)	₹ 2,700/- p.a.
	4	Godrej / Steelage D type	₹ 3,000/- p.a.
	5	Godrej / Steelage E type	₹ 3,200/- p.a.
	6	Godrej / Steelage F type plus (4A & 4A1 Methodex)	₹ 3300/- p.a.
	7	Godrej H1 & Guardwel 2B 1 type	₹ 3,900/- p.a.
	8	Godrej / Steelage 2DG type	₹ 4,300/- p.a.
	9	Godrej / Steelage 4BH type	₹ 5,500/- p.a.
	10	Godrej H & Guardwel 4B	₹ 7,000/- p.a.
Note : Locker rent recovered yearly and year shall be considedred Financial year

C	Penalty for delay in payment of rent / renewal on expiry of hiring period
	1	For Type A to D	₹ 100/- per month or part thereof.
	2	For Type E upwards.	₹ 200/- per month or part thereof

D	Breaking open of the locker
D		When the hirer loses the key and requests for breaking open, suitable service charges should be recovered, which should cover charges to be paid to manufacturer / vendor for breaking open lockers / repairing / replacing it Plus handling charges	Suitable service charges + Vendors Charge + ₹ 1000/-

Particulars		Revision in charges w.e.f. 01.01.2022 (Charges mentioned below are excluding GST)
A	Share Application Form	₹ 50/-

B	Entrance Fees for regular member	₹ 100/- (As per Bye Laws)

C	Entrance fees for nominal member	₹ 100/- (As per Bye Laws)
C	(For borrower / Surety in loan against Gold/ Govt. Securities/ LIC policies / Consumer durables)	₹ 100/- (As per Bye Laws)

D	Issue of Duplicate I - Card	₹ 100/-

E	Cancellation of membership
		Up to ₹ 10,000/- shares	₹ 1/- per share
		From ₹ 10,001/- Shares	₹ 2/- per share maximum ₹ 5000/-
		Write off/ Set Off/Settlement	₹ 1000/-
		Death Claim	------------NIL------------ (Exempted)

F	Change of Nomination*	₹ 25/- per instance

G	Name addition (Individual / Firm)*	₹ 50/-

H	Issue of Duplicate Share certificate*	₹ 100/-

I	Transfer of shares: *	₹ 100/- (As per Bye Laws)

J	Transmission of shares*	------------NIL------------
J	*In deceased cases where Registered Nominee should be member of the Bank	------------NIL------------

K	Copy of Bye-Laws	₹ 500/- only to members(Free on website)

MISCELLANEOUS

A	Enquiries relating to old entries
Particulars		Revision in charges w.e.f. 01.01.2022 (Charges mentioned below are excluding GST)
	(i) Upto one month	NIL
	(ii) Above one month and upto one year	₹ 50/- per entry.
	(iii) Above one year and upto two years	₹ 100/- per entry.
	(iv) Above two years and upto three years	₹ 150/- per entry.
	(v) Above three years	₹ 200/- per entry.

B	Copy of the old record in the form of Voucher document, etc.:[ As per NI Act ]
	(i) Within a year	₹ 100/- (per voucher / document)
	(ii) After one year	₹ 200/- (per voucher / document)

C	Certificate of all types (Excluding Balance certificate / TDS certificate / Income Tax purpose certificate):
	(i) For General peoples	₹100/-
	(ii) For Senior Citizen	------------NIL------------

D	Standing Instructions
	(i) Transaction involving transfer to another account (other than R/D installments, FD interest and loan instalment) within same branch or to the account in another branch.

		Free to self A/c.
		In other cases free up to ₹10000/- ;
		otherwise ₹ 25/- per transaction.
	(ii) S.I. failure on a/c of insufficient funds.	₹ 50/- per instance

E	ECS / NACH Mandate & Signature Verification	₹ 100/- per instance

F	Photo attestation (as per bank record)	₹ 100/- per instance

G	Address confirmation	₹100/- per request.

H	Cash Handling Charges (For SB / CD / CC / CDOD / Loan / TDR Accounts) w.e.f 1st December 2022
	(i) Depositing 200 pieces of notes (Irrespective of denominations) per day	NO CHARGES
	(ii) Charges for depositing per bundle of 100 pieces of notes or part thereof for denomination ₹100 and below beyond 200 pieces per day	₹40/- for denomination of ₹100 and below
	(iii) Charges for depositing per bundle of 100 pieces of notes or part thereof for denomination ₹200 and above beyond 200 pieces per day	₹20/- for denomination of ₹200 & above
	(iv) Charges for depositing denomination of ₹200 and above who are maintaining average balance of ₹5 lakh and above	No charges
	(v) Charges for depositing Coins - per packet of 100 coins or part thereof, if coins exceed 10 coins per day	₹30/-
Cash Handling Charges are exempted if average balance for preceding quarter in current account in Rs. 5.00 lakh and above.

I	Deposit of Soiled or Imperfect Notes
	(i) Up to 20 pieces or ₹ 5000/- per day	------------NIL------------
	(ii) Above 20 pieces or ₹ 5000/- per day	₹ 2/- per piece Up to ₹ 50/- notes ₹ 5/- per piece Above ₹ 50/- notes

J	SMS Charges	₹ 40/- p.a. (to be recovered on quarterly basis.)

K	RuPay Debit cum - ATM Card
	(i) For Classic Card	₹ 150/- p.a. (W.e.f. 01.08.2022) after initial year of issuance
	(ii) For Platinum Card	₹ 150/- p.a. (W.e.f. 01.08.2022) after initial year of issuance
	Charges on ATM transactions
	(iii)Own Bank ATM (All locations)
	Up to 5 transactions per month	------------NIL------------
	Above 5 transactions per month (Financial/Non-financial)	₹ 21/- per transaction
	(iv)Other Bank ATM
	Metro Location up to 3 transactions per month (Financial/Non-financial)	------------NIL------------
	Metro Location above 3 transactions per month (Financial/Non-financial)	₹ 21/- per transaction
	Non-Metro Location up to 5 transactions per month (Financial/Non-financial)	------------NIL------------
	Non-Metro Location above 5 transactions per month (Financial/Non-financial)	₹ 21/- per transaction
	(v) Transaction decline due to ‘insufficient balance’	₹ 20/- plus GST per declined transaction
	(vi) Card replacement fee	₹ 100/- per instance
	(vii) Green PIN	------------NIL------------
	(viii) Regenerating PIN mailer fee	₹ 50/- per instance
	(ix) Hot listing instance in case of loss of ATM card	------------NIL------------