Annexure II

DCB Gold Loan – Term Loan

(Please note that all Fees and Charges mentioned are non-refundable and exclude GST)
Application login fee NIL
Processing fee applied on Sanctioned Limit
2% of loan amount per application
/ Amount / Enhancement
Valuation charges NIL
Legal charges NIL
As per prevailing State Government
Stamp duty and registration
Laws

Amortization schedule ₹250 per schedule

Statement of account ₹250 per statement

Foreclosure statement ₹250 per foreclosure statement

Amount Remarks
Part-prepayment & Full Prepayment On the amount paid, within
1%
(foreclosure) 180 days of sanction
If paid beyond 180 days of
NIL
sanction

Duplicate No Objection Certificate / No

₹250 per certificate
Dues Certificate

Revalidation of No Objection Certificate ₹250 per certificate

Provisional income tax certificate NIL

Final income tax certificate NIL

Duplicate copy of loan agreement ₹500 per copy

Cheque / NACH / ECS / Standing

₹500 per swap
Instruction swap
Cheque return / bounce ₹750 per instance
ECS / NACH / Standing Instruction return ₹750 per instance
Cheque deposited return ₹150 per instance

Version 1.0 April 2024 Page 1 of 9

 Collection phone call ₹100 per call, maximum ₹400 per month
₹250 per visit, maximum ₹1,000 per
Collection visit
month
Valuation charges - Overdue delinquent /
₹1,000 per valuation, Per packet
NPA account – Gold
Minimum ₹3,000 per auction or 1.5% of
Publication charges – Gold loan auction
the bid amount whichever is higher
Auction charges – Gold ₹2,000 per auction
Penal charges for delayed payments Refer Annexure III
Penal charges for non-compliance to
Refer Annexure IV
material terms
Collection & Recovery charges Refer Annexure V

As per extant RBI guidelines, penal charges for delayed payments and penal charges
for breach of Material Terms & Conditions will be applicable with effect from 1st April,
2024.
Up to 1st April, 2024, existing penal interest/charges as per sanction terms/agreement
will be applicable.

Version 1.0 April 2024 Page 2 of 9

 Annexure III
DCB Loan - Penal Charge for delayed repayments (excluding GST)
All loan products will be charged monthly or part thereof.
Overdue Loan Amount in ₹
From To Penal Charge (₹)
0 3,000 150
3,001 5,000 200
5,001 15,000 300
15,001 25,000 400
25,001 35,000 600
35,001 45,000 800
45,001 55,000 1,000
55,001 65,000 1,200
65,001 75,000 1,400
75,001 85,000 1,600
85,001 95,000 1,800
95,001 1,05,000 2,000
1,05,001 1,25,000 2,300
1,25,001 1,45,000 2,700
1,45,001 1,65,000 3,100
1,65,001 1,85,000 3,500
1,85,001 2,05,000 3,900
2,05,001 2,25,000 4,300
2,25,001 2,45,000 4,700
2,45,001 2,65,000 5,100
2,65,001 2,85,000 5,500
2,85,001 3,05,000 5,900
3,05,001 3,55,000 6,600
3,55,001 4,05,000 7,600
4,05,001 4,55,000 8,600
4,55,001 5,05,000 9,600
5,05,001 5,55,000 10,600
5,55,001 6,05,000 11,600
6,05,001 6,55,000 12,600
6,55,001 7,05,000 13,600
7,05,001 7,55,000 14,600
7,55,001 8,05,000 15,600
8,05,001 8,55,000 16,600
8,55,001 9,05,000 17,600
9,05,001 9,55,000 18,600
9,55,001 10,05,000 19,600
10,05,001 11,05,000 21,100
11,05,001 12,05,000 23,101
12,05,001 13,05,000 25,100
13,05,001 14,05,000 27,100
14,05,001 15,05,000 29,100
15,05,001 16,05,000 31,100

Version 1.0 April 2024 Page 3 of 9

 Overdue Loan Amount ₹ Overdue Loan Amount
Penal charge ₹
From To
16,05,001 17,05,000 33,100
17,05,001 18,05,000 35,100
18,05,001 19,05,000 37,100
19,05,001 20,05,000 39,100
20,05,001 23,05,000 43,100
23,05,001 26,05,000 49,100
26,05,001 29,05,000 55,100
29,05,001 32,05,000 61,100
32,05,001 35,05,000 67,100
35,05,001 38,05,000 73,100
38,05,001 41,05,000 79,100
41,05,001 44,05,000 85,100
44,05,001 47,05,000 91,100
47,05,001 50,05,000 97,100
50,05,001 55,05,000 1,05,100
55,05,001 60,05,000 1,15,100
60,05,001 65,05,000 1,25,100
65,05,001 70,05,000 1,35,100
70,05,001 75,05,000 1,45,100
75,05,001 80,05,000 1,55,100
80,05,001 85,05,000 1,65,100
85,05,001 90,05,000 1,75,100
90,05,001 95,05,000 1,85,100
95,05,001 1,00,05,000 1,95,100
1,00,05,001 2,00,05,000 3,00,100
2,00,05,001 3,00,05,000 5,00,100
3,00,05,001 3,05,05,000 6,05,100
3,05,05,001 5,05,05,000 8,10,100
5,05,05,001 10,05,05,000 15,10,100
10,05,05,001 25,05,05,000 35,10,100
25,05,05,001 50,05,05,000 75,10,100
50,05,05,001 50,10,05,000 1,00,15,100
50,10,05,001 75,10,05,000 1,25,20,100
Above 75,10,05,000 1,75,20,100

Penal charges not applicable for Priority Sector Loans (PSL) less than or equal to ₹
25,000.
“Over-due/s” means the principal/ interest/ any charges levied on the loan account
which are payable but have not been paid on or before the period stipulated as per the
terms of sanction of the credit facility.

Version 1.0 April 2024 Page 4 of 9

 Annexure IV
DCB Loan - Penal Charge for non-compliance to Material Terms and Conditions
(excluding GST)

Delay / non submission of Stock and Book Debts for Cash Credit
1
(will be charged monthly or part thereof)
Penal
Sanctioned Limit
Charge ₹
Up to ₹ 25 Lakh 2,500
Above ₹ 25 Lakh and up to ₹ 50 Lakh 5,000
Above ₹ 50 Lakh and up to ₹ 1 Crore 10,000
Above ₹ 1 Crore and up to ₹ 2 Crore 20,000
Above ₹ 2 Crore and up to ₹ 3 Crore 30,000
Above ₹ 3 Crore and up to ₹ 5 Crore 50,000
Above ₹ 5 Crore and up to ₹ 10 Crore 1,00,000
Above ₹ 10 Crore and up to ₹ 25 Crore 2,50,000
Above ₹ 25 Crore 4,00,000
2 Delay or non-submission of Quarterly Income Statement/ Financial
Follow-up Report Cash Credit
(will be charged quarterly or part thereof)
Penal
Sanctioned Limit
Charge ₹
Up to ₹ 5 Crore NIL
Above ₹ 5 Crore 1,40,000
3 Delay or non-submission of Audited Balance Sheet (CC, OD, TL for
Microfinance Institutions)
(will be charged yearly or part thereof for non-submission beyond
September 30 every year)
Penal
Sanctioned Limit
Charge ₹
Up to ₹ 1 Crore NIL
Above ₹ 1 Crore and up to ₹ 2 Crore 40,000
Above ₹ 2 Crore and up to ₹ 3 Crore 60,000
Above ₹ 3 Crore and up to ₹ 5 Crore 1,00,000
Above ₹ 5 Crore 1,40,000
4 Charges for Non Utilisation of Limits (CC, OD)
(will be charged quarterly or part thereof if the utilisation is less than
50% of the calendar quarter)
Penal
Sanctioned Limit
Charge ₹
Up to ₹ 25 Lakh 6,000
Above ₹ 25 Lakh and up to ₹ 50 Lakh 12,000
Above ₹ 50 Lakh and up to ₹ 1 Crore 25,000
Above ₹ 1 Crore and up to ₹ 2 Crore 50,000
Above ₹ 2 Crore and up to ₹ 3 Crore 75,000
Above ₹ 3 Crore and up to ₹ 5 Crore 1,25,000
Above ₹ 5 Crore 1,75,000

Version 1.0 April 2024 Page 5 of 9

 5 Delay in renewal or non-renewal of loan facility (CC, OD, KCC, GL, OD,
ODTD, TL for Microfinance Institutions)
(will be charged monthly or part thereof)
Penal
Sanctioned Limit
Charge ₹
Up to ₹ 25 Lakh 2,500
Above ₹ 25 Lakh and up to ₹ 50 Lakh 5,000
Above ₹ 50 Lakh and up to ₹ 1 Crore 10,000
Above ₹ 1 Crore and up to ₹ 2 Crore 20,000
Above ₹ 2 Crore and up to ₹ 3 Crore 30,000
Above ₹ 3 Crore and up to ₹ 5 Crore 50,000
Above ₹ 5 Crore and up to ₹ 10 Crore 1,00,000
Above ₹ 10 Crore and up to ₹ 25 Crore 2,50,000
Above ₹ 25 Crore 4,00,000
6 Delay or non-adherence to any other material terms and conditions (all
facilities) including, DSRA, non-submission of Post Disbursal
Documents within the stipulated time or 45 days whichever is earlier
(will be charged monthly or part thereof)
Penal
Sanctioned Limit
Charge ₹
Up to ₹ 25 Lakh 2,500
Above ₹ 25 Lakh and up to ₹ 50 Lakh 5,000
Above ₹ 50 Lakh and up to ₹ 1 Crore 10,000
Above ₹ 1 Crore and up to ₹ 2 Crore 20,000
Above ₹ 2 Crore and up to ₹ 3 Crore 30,000
Above ₹ 3 Crore and up to ₹ 5 Crore 50,000
Above ₹ 5 Crore and up to ₹ 10 Crore 1,00,000
Above ₹ 10 Crore and up to ₹ 25 Crore 2,50,000
Above ₹ 25 Crore 4,00,000
7 Delay or non-submission of Registration Certificate (RC)
(will be charged monthly or part thereof if not submitted within
stipulated time or 90 days of disbursement, whichever is earlier)
Tractor Loan (After 90 days of disbursement) 1,000
Commercial Vehicles (CV) / Car Loans (After 90 days of
1,000
disbursement)
8 Non-renewal of insurance policy
(will be charged monthly or part thereof if not submitted within the
stipulated time/renewal date or within 90 days of disbursement
whichever is earlier)
Commercial Vehicles (CV) / Car Loans (After 90 days of
5,000
disbursement/ renewal date)

Version 1.0 April 2024 Page 6 of 9

 Annexure V
Collection & Recovery Charges

Valuation Charges
Overdue delinquent / NPA account - property ₹ 1,500 per valuation, per property
Overdue delinquent / NPA account - vehicle ₹ 750 per valuation, per vehicle
Overdue delinquent / NPA account - tractor ₹ 750 per valuation, per tractor
Overdue delinquent / NPA account - gold ₹ 1,000 per valuation, per packet
Legal notice charges

General loan notice ₹ 1,000 per notice

Loan recall notice ₹ 1,000 per notice

NPA awareness notice ₹ 1,000 per notice

SARFEASI demand notice ₹ 5,000 per notice

Pre-possession intimation ₹ 1,000 per intimation
Pre-sale notice ₹ 1,500 per notice
Possession notice ₹ 1,500 per notice
Auction notice ₹ 1,500 per notice
Vehicle inspection notice ₹ 1,500 per notice
Letter to Society (informing charge of Bank) ₹ 1,500 per letter
Letter to employer ₹ 1,500 per letter
Passport impound notice ₹ 1,500 per notice
Post-sale notice ₹ 1,500 per notice

Lok Adalat notice ₹ 1,500 per notice

Version 1.0 April 2024 Page 7 of 9

 Publication charges
SARFEASI demand ₹ 15,000 per publication
SARFEASI possession ₹ 15,000 per publication
SARFEASI auction ₹ 15,000 per publication
Summons courts / tribunals / forums ₹ 15,000 per publication
Warrants courts / forums ₹ 15,000 per publication
DRT possession notice ₹ 15,000 per publication
DRT recovery certificate ₹ 15,000 per publication
DRT auction notice ₹ 15,000 per publication
Gold loan auction ₹ 3,000 per auction
Suit Recovery charges

Suit in civil court ₹ 35,000 per filing

Suit in Debt Recovery Tribunal (DRT) ₹ 35,000 per filing

Interim application u/s 9 of A&C Act ₹ 35,000 per filing

Interim application u/s 17 of A&C Act ₹ 35,000 per filing

Application u/s 14 of A&C Act ₹ 35,000 per filing

Arbitration Proceedings ₹ 15,000 per filing

Revenue Recovery Certificate ₹ 15,000 per filing

Permanent Lok-Adalat ₹ 5,000 per filing

Sec. 138 / Sec. 25 of cheque/ ECS bounce ₹ 5,000 per filing

Recovery Proceedings before DRT ₹ 35,000 per filing

Arbitration Execution Proceedings before ₹ 35,000 per filing

district/ sessions court
Proceedings before NCLT ₹ 1,00,000 per filing

Version 1.0 April 2024 Page 8 of 9

 Repossession charges

Vehicle repossession charges ₹ 18,000 per repossession

Yard charges ₹ 3,000 per month
Land and building repossession charges ₹ 50,000 per repossession
Property inspection charges ₹ 2,200 per inspection
Auction charges
Auction charges - vehicles ₹ 10,000 per auction
Auction charges - tractor ₹ 5,000 per auction
Auction charges - gold ₹ 2,000 per auction
Auction charges - land and building ₹ 50,000 per auction

For Corporate Banking, the herein mentioned charges or actual charges whichever is
higher, shall be applicable.

Please Note: All charges stated herein exclude GST. The applicable GST amount
shall be levied additionally.
****

Version 1.0 April 2024 Page 9 of 9