Be it an article you were reading, a product you were exploring or a journey you left unfinished, starting from where you left off is simpler than you can imagine. Just register for ‘Everything Me’ using any of your social media accounts and you are all set.
Please note, this is a soft login and no personal financial data will be saved here for security reasons.
You have logged in to Everything Me successfully
You have logged out from Everything Me successfully
|Fees and Charges - GSFC|
|Processing Fee (Non-refundable)||Maximum 3% of the loan / facility amount (Plus GST (Goods and Service tax)|
|Documentation Charges||Upto Rs. 10,000/- (Plus GST and other statutory levies) per instance|
|Cheque dishonour Charges||Rs.750/- (inclusive of GST and other applicable statutory levies) per instance.|
|Charges for Copy of any Document||Rs. 500/- (plus GST and other applicable statutory levies) per instance.|
|Repayment Mode I Account swap charges||Rs. 500/- (plus GST and other applicable statutory levies) per instance.|
|Charges for Duplicate NOC I No Dues Certificate||Rs. 500/- (plus GST and other applicable statutory levies) per instance.|
|Charges for copy of CIBIL Report (to Customer who has availed Loan I Overdraft from us)||Rs. 50/- (plus GST and other applicable statutory levies) per instance.|
|Charges specific to Term Loans:|
|Prepayment Charges||No prepayment/foreclosure is allowed till the lapse of Lock in Period of 6 months after EMI commencement. After the Lock in period, part prepayment of minimum Rs. 25,000/- and maximum upto 25% of outstanding loan amount can be made without any prepayment charges every 6 months. the minimum period between any two prepayments should be min 6 months. For any part payment in excess of 25% 4% (plus GST and other applicabe taxes) of the excess prepayment amount will be charged as prepayment charges. For full prepayment any time after the Lock in period, Prepayment charges shall be 4% ( ls GST and other applicabe taxes) of the Foreclosure loan amount plus amounts prepaid during the last 12 months. Nil foreclosure charges for term loan given to individual @floating rate of interest.|
|Substitute Interest (Penal Interest)||3% p.m. (plus GST and other applicable statutory levies) compounded monthly on the Amount Due but unpaid from the Date of the Amount falling Due till the Date of actual Payment.|
|Collection Charges (in case of Default)||30% (plus GST and other applicable statutory levies) of Cheque / instrument Dishonour Charges plus Substitute Interest.|
|Charges for Amortisation Schedule/ Account Statement||Free once in Financial year. Therefore, Rs.250/- (plus GST and other applicable statutory levies) per instance.|
|Charges specific to Overdraft Facility:|
|Annual Review Charges||1.5% of renewal limit or Rs.5000/- (plus GST and other applicable statutory levies)|
|Termination Charges||6% of operating limit if within lock in period of 6 months from the date of agreement and 5% of operating limit otherwise (plus GST and other applicable statutory levies).|
|Non Maintenance of Minimum Credit Turnover Charges||Maximum 1% of sanctioned limit /12 months (plus GST and other applicable statutory levies).|
|Overline Rate I Penal Interest in case of overline accounts||3% p.m. (plus GST and other applicable statutory levies) over and above the normal OD rate. This would be changed on the amount over and above the OD limit.|
|Under-utilisation Charges||0.25% of difference between actual average utilisation and 25% of average operating limit during the quarter, subject to minimum of Rs. 1250 + GST, chargable on quarterly basis.|
|Charges for Interest Certificate||Free once in Financial year. Therefore, Rs.250/- (plus GST and other applicable statutory levies) per instance.|
• Stamp duty on Loan Agreement / Overdraft Agreement / Gurantor Agreement, Registration charges etc. varies from state to state. Stamping / Notarisation of RBI and other Affidavits as applicable.
• Charges for other Services would be specified as applicable when customer applies for those services and the same shall be payable by the borrower alone e.g. Revalidation of Sanction, Change in Property, Reschedulement of loan, Change in EMI date, Solvency charges, etc.
• Taxes / other statutory levies may be charged to the borrower if applicable as per Government / RBI directives.
• Nil prepayment charges for MSE (Micro and small enterprises) cases.
• Bank reserves the rights to modify any charges from time to time or to introduce any new charges, as it may deem appropriate and will publish them on the bank's website.
Loan Against Property is primarily taken for the purpose of Business Expansion,
We generally offer a loan up to 10 years, however the maximum permissible tenure is 15 Years
You can apply for Loan Against Property in following ways:
The property which we as a bank accepts are Residential, Commercial (Shops and Offices), Industrial and specialized property.
An industry that has so much competition that it is difficult to survive. But that may change if you know the tricks of the trade.