Schedule of Charges

(SoC)

Applicable for all loans disbursed

on/upto

31-03-2024
Consumer Finance Division
(CFD)
 Schedule of charges(SOC) applicable for all loans disbursed on / upto 31.03.2024

Effective from 23.05.2022 (c) CONSUMER FINANCE DIVISION (CFD) SCHEDULE OF CHARGES (SOC)
Construction Equipments, Medium / Heavy Light Commercial Tractor/Harvestor Agricultural Passenger Vehicles
S.No. Details Genset & Other Implements Implements Small CV - 3 Wheelers Small CV - 4 Wheelers Small CV - Erickshaws (Multi Utility Vehicles & Cars)
Commercial Vehicles Vehicles Vehicles
NEW : Range Between 58.00% to 18.00% 58.00% to 18.00% 58.00% to 18.00% 511.00% to 20.00% 514.00% to 30.00% 5 9.00% to 28.00% 5 8.00% to 18.00%
Rate of Interest (Diminishing)
1
i.e. Effective ROI (Fixed ROI Basis)
USED / PRE OWNED:
Range Between
59.00% to 18.00% 510.00% to 24.00% 510.00% to 25.00% 518.00% to 30.00% 518.00% to 30.00% 5 12.50% to 30.00% 5 10.00% to 21.00%
#
2 Loan Processing Charges (Non Refundable) * NEW : 2.00%; USED : 2.00% NEW : 2.00%; USED : 2.00% NEW : 3.00%; USED : 3.00% NEW : 4.00%; USED : 4.00% NEW : 4.00%; USED : 4.00% NEW : 3.00%; USED : 3.00% NEW : 3.00%; USED : 3.00%
#
3 Documentation Charges (Non Refundable) * NEW : 1.50%; USED : 1.50% NEW : 1.50%; USED : 1.50% NEW : 1.50%; USED : 1.50% NEW&USED:1.50% st max 5000 NEW&USED:1.50% st max 5000 NEW : 2.00%; USED : 2.00% NEW : 1.50%; USED : 1.50%

4 Stamping Charges (Non Refundable) * Applicable as per the respective State’s Stamp Act ($)

5 Loan Cancellation Charges (Non Refundable) * Rs. 1500 per case

6 Interest on delayed payments*(Per annum compounded monthly) 36% per annum compounded monthly

Collection Charges (Local as per municipal / city limits) - *

7 Rs. 100 per instance of local visit to customer premises & Rs. 250 per instance of outstation visit to customer premises will be charged to customer whether any installment payment is made or not.
Return related instance.
Collection Charges - Collection / Closure of Bank A/c / *
8 Rs. 300 per instance of visit to customer premises will be charged to customer whether any installment payment is made or not.
No Repayment / Invalid (SI/Debit/ACH Mandate/Cheque) etc
Cash Collection Charges (whether paid at our branch (or) paid to our *
9 upto 1% of cash collected subject to a minimum Rs.100/-
field exec. towards dues/overdues/settlement/sale proceeds etc.)
upto Rs. 750 per Instance+
10 Repayment Dishonour Charges (Cheque/SI/ACH)* upto Rs. 750 per Instance + Bank charges on actuals upto Rs. 400 per Instance + Bank charges on actuals
Bank charges on actuals
11 Swap Charges (Repayment Mode)* upto Rs. 500 per Swap / per Instance

12 Preclosure Charges* 3% of the Principal outstanding 5% of the Principal outstanding

13 Duplicate NOC Issuance Charges* Rs. 500 per Loan / per instance
d. Legal / repossession / parking / incidental charges - at o. Repayment Mode change charges - Rs. 100 s. Trade Certificate/Licence Charges incurred by the Lender - At Actuals
a. Statement of a/c charges Rs. 200/- per statement Actuals. h. CERSAI Registration Charges - At Actuals l. SMS/Tele-calling Charges - At Actuals
p. Foreclosure Statement Charges (free for 1sttime) - Rs.200 t. NeSL IU Registration / Renewal Charges - At Actuals.
b. NOC to convert from Personal to Commercial Regn & from e. Vehicle registration & hypothecation verification Charges - i. ROC Consultant Fees - At Actuals m. Consecutive (2 or more) Repayment Dishonor /
q. Compensation Charges, if the disbursement happens before the loan u. Any other charges - At Actuals
14 Statement Charges* Commercial to Personal Regn NOC to RTO for conversion of fuel Rs.100 per instance. j. Asset Valuation Charges - At Actuals Rejection & related Pullout charges upto max* - Rs.1000
agreement date (for the intervening days) - @ Contracted rate of interest.
used & miscellaneous NOCs upto Rs.2000/- (per NOC) f. RTO Registration Charges - At Actuals k. Travel and Collection Follow-up Charges - At n. Closure of Bank Account from which repayment instruments /
ACH has been issued (without intimation) upto max* - r. Due date shifting charges (beyond chosen initial moratorium
c. CIBIL / Other CIB CIR Charges - Rs.50/- g. ROC Filing/Amendment Charges - Rs.2500 - If filed by the Actuals
Bank Rs.500 period) - @ Contracted rate of interest.
Notes 1. The charges or fees given in the above table are subject to change at the sole discretion of the bank and the one recorded in agreement will be binding over this schedule. d. MCLR basis controls does not apply for Fixed ROI loan with loan tenor exceeding 3 years.
2. Please note that all products may not be handled at all branch outlets. 6. Goods and Service Tax and other government taxes & levies at prevailing rates would be charged over and above the rates / charges indicated in this schedule (as may be applicable)
3. For the details of rate of interest for each product segment - please contact our nearest branch. 7. The Bank reserves the right to assess and levy charges on transactions which are not covered by this schedule, on a case to case basis like legal / repossession and recovery/
4. There can be variations to the above rates based on actual loan product variants being availed /time - specific financing schemes being offered. communication / travel expenses, SMS and Tele calling charges etc.
5. Bank reserves the right to consider the loan applications based on merits of the case and bank’s decision shall be final and binding. 8. The Bank Shall be entitled to debit / recover the charges incurred and paid towards registering the Bank’s lien on CERSAI (for all registered & unregistered Vehicle / Assets) portal, and/or
a. All Vehicle/Equipment loans are on fixed (ROI) basis and Home loans are on Floating ROI basis unless specified otherwise. The Bank would be communicating the customer IRR registration of charges with Registrar of Companies(where the borrower is a Public / Private Limited Company / Limited Liability Partnership)
(Effective ROI) to the customer vide its Sanction Letter, Agreement Schedule, Printed Welcome Kit cum contractual details. 9. For any updates / latest changes in the Schedule of Charges please visit us at www.indusind.com.
10. Loan processing charges, Documentation Charges, Stamp Duty ($) & other expenses incurred on “Actuals” basis are Non-refundable.
b. The customer IRR (ROI) as mentioned in the SOC (or) more specifically in the Sanction Letter, Agreement Schedule, Printed Welcome Kit cum contractual details shall be basis 11. For any further queries please contact our nearest CFD Office.
Bank’s current applicable MCLR (inclusive of tenor premium) + MARGIN for fixed rate loans and based on current EBLR+MARGIN for Home Loans.
c. 5 For loan tenor upto 3 years, Minimum ROI shall not be allowed to go less than MCLR applicable from time to time.
* Goods and Service Tax (GST) as applicable and at rates as are prevalent from time to time.
#
Denotes maximum percentage.

For any queries call IndusInd Bank (Consumer Finance Division), Tollfree No: 1800 102 3333, Email ID: [email protected], ': 044 - 4444 1122/044 - 4545 5555, Whatsapp: 022 - 4406 6666
 Schedule of charges(SOC) applicable for all loans disbursed on / upto 31.03.2024

Effective from 23.05.2022 (c) CONSUMER FINANCE DIVISION (CFD) SCHEDULE OF CHARGES (SOC)
S.No. Details Two Wheelers - Normal Bikes Two Wheelers - High End / High Street Bikes Home Loans

New: Between 513.00% to 30.00% New: Between 511.00% to 28.00% New(EBLR+Margin): Between 10% to 14%
1 Rate of Interest (Diminishing) i.e. Effective ROI Floating ROI Basis
Refinanced Between 513.00% to 30.00% Refinanced Between 513.00% to 30.00% Top-up(EBLR+Margin): Between 10% to 18%
#
2 Loan Processing Charges (Non Refundable) * NEW : 4.00%; USED : 4.00% NEW : 4.00%; USED : 4.00% upto 2% of finance amount subject to minimum of Rs. 5000/-
#
3 Documentation Charges (Non Refundable) * NEW : 3.00%; USED : 3.00% NEW : 3.00%; USED : 3.00% Rs. 5000/-

4 Stamping Charges (Non Refundable) * Applicable as per the respective State’s Stamp Act ($)

5 Loan Cancellation Charges (Non Refundable) * Rs. 1500 per case Rs. 2500 per case

6 Interest on delayed payments*(Per annum compounded monthly) 36% per annum compounded monthly 24% per annum compounded monthly

Collection Charges (Local as per municipal / city limits) - * Rs. 100 per instance of local visit to customer premises & Rs. 250 per instance of outstation visit to customer premises will be charged to customer whether any installment payment is made or not.
7
Return related instance.

Collection Charges - Collection / Closure of Bank A/c / *

8 Rs. 300 per instance of visit to customer premises will be charged to customer whether any installment payment is made or not.
No Repayment / Invalid (SI/Debit/ACH Mandate) etc

Cash Collection Charges (whether paid at our branch (or) paid to our *
9 upto 1% of cash collected subject to a minimum Rs.100/-
field exec. towards dues/overdues/settlement/sale proceeds etc.)

10 Repayment Dishonour Charges (Cheque/SI/ACH)* upto Rs. 400 per Instance + Bank charges on actuals upto Rs. 750 per Instance + Bank charges on actuals

11 Swap Charges (Repayment Mode)* upto Rs. 500 per Swap / per Instance

12 Preclosure Charges* 5% of the Principal outstanding 2% - 5% of the Principal outstanding - NA for floating ROI cases (individuals)

13 Duplicate NOC Issuance Charges* Rs. 500 per Loan / per instance
d. Legal / repossession / parking / incidental charges - at o. Repayment Mode change charges - Rs. 100 s. Trade Certificate/Licence Charges incurred by the Lender - At Actuals
a. Statement of a/c charges Rs. 200/- per statement Actuals. h. CERSAI Registration Charges - At Actuals l. SMS/Tele-calling Charges - At Actuals
p. Foreclosure Statement Charges (free for 1st time) - Rs.200 t. NeSL IU Registration / Renewal Charges - At Actuals.
b. NOC to convert from Personal to Commercial Regn & from e. Vehicle registration & hypothecation verification Charges - i. ROC Consultant Fees - At Actuals m. Consecutive (2 or more) Repayment Dishonor /
q. Compensation Charges, if the disbursement happens before the loan u. Any other charges - At Actuals
14 Statement Charges* Commercial to Personal Regn NOC to RTO for conversion of fuel Rs.100 per instance. j. Asset Valuation Charges - At Actuals Rejection & related Pullout charges upto max* - Rs.1000
agreement date (for the intervening days) - @ Contracted rate of interest.
used & miscellaneous NOCs upto Rs.2000/- (per NOC) f. RTO Registration Charges - At Actuals k. Travel and Collection Follow-up Charges - At n. Closure of Bank Account from which repayment instruments /
ACH has been issued (without intimation) upto max* - r. Due date shifting charges (beyond chosen initial moratorium
c. CIBIL / Other CIB CIR Charges - Rs.50/- g. ROC Filing/Amendment Charges - Rs.2500 - If filed by the Actuals
Bank Rs.500 period) - @ Contracted rate of interest.
Notes 1. The charges or fees given in the above table are subject to change at the sole discretion of the bank and the one recorded in agreement will be binding over this schedule. d. MCLR basis controls does not apply for Fixed ROI loan with loan tenor exceeding 3 years.
2. Please note that all products may not be handled at all branch outlets. 6. Goods and Service Tax and other government taxes & levies at prevailing rates would be charged over and above the rates / charges indicated in this schedule (as may be applicable)
3. For the details of rate of interest for each product segment - please contact our nearest branch. 7. The Bank reserves the right to assess and levy charges on transactions which are not covered by this schedule, on a case to case basis like legal / repossession and recovery/
4. There can be variations to the above rates based on actual loan product variants being availed /time - specific financing schemes being offered. communication / travel expenses, SMS and Tele calling charges etc.
5. Bank reserves the right to consider the loan applications based on merits of the case and bank’s decision shall be final and binding. 8. The Bank Shall be entitled to debit / recover the charges incurred and paid towards registering the Bank’s lien on CERSAI (for all registered & unregistered Vehicle / Assets) portal, and/or
a. All Vehicle/Equipment loans are on fixed (ROI) basis and Home loans are on Floating ROI basis unless specified otherwise. The Bank would be communicating the customer IRR registration of charges with Registrar of Companies(where the borrower is a Public / Private Limited Company / Limited Liability Partnership)
(Effective ROI) to the customer vide its Sanction Letter, Agreement Schedule, Printed Welcome Kit cum contractual details. 9. For any updates / latest changes in the Schedule of Charges please visit us at www.indusind.com.
10. Loan processing charges, Documentation Charges, Stamp Duty ($) & other expenses incurred on “Actuals” basis are Non-refundable.
b. The customer IRR (ROI) as mentioned in the SOC (or) more specifically in the Sanction Letter, Agreement Schedule, Printed Welcome Kit cum contractual details shall be basis 11. For any further queries please contact our nearest CFD Office.
Bank’s current applicable MCLR (inclusive of tenor premium) + MARGIN for fixed rate loans and based on current EBLR+MARGIN for Home Loans.
c. 5 For loan tenor upto 3 years, Minimum ROI shall not be allowed to go less than MCLR applicable from time to time.
* Goods and Service Tax (GST) as applicable and at rates as are prevalent from time to time.
#
Denotes maximum percentage.

For any queries call IndusInd Bank (Consumer Finance Division), Tollfree No: 1800 102 3333, Email ID: [email protected], ': 044 - 4444 1122/044 - 4545 5555, Whatsapp: 022 - 4406 6666
Schedule of Charges
(SoC)

Applicable for all loans disbursed

from

01-04-2024
Consumer Finance Division
(CFD)
 Schedule of charges(SOC) applicable for all loans disbursed from 01.04.2024

Effective from 01.04.2024 CONSUMER FINANCE DIVISION (CFD) SCHEDULE OF CHARGES (SOC)
Construction Equipments, Medium / Heavy Light Commercial Tractor/Harvestor Agricultural Small CV - Passenger Vehicles
S.No. Details Genset & 3 Wheelers / 4 Wheelers / (Multi Utility Vehicles
Other Implements
Commercial Vehicles Vehicles Vehicles Implements Erickshaws & Cars)
(Fixed ROI Basis) (Fixed ROI Basis) (Fixed ROI Basis) (Fixed ROI Basis) (Fixed ROI Basis) (Fixed ROI Basis) (Fixed ROI Basis)
NEW: 58.00% to 18.00% 58.00% to 18.00% 58.00% to 18.00% 511.00% to 20.00% 514.00% to 30.00% 59.00% to 28.00% 58.00% to 18.00%
Rate of Interest (Diminishing) Range Between
1
i.e. Effective ROI USED/PRE OWNED: 59.00% to 18.00% 510.00% to 24.00% 510.00% to 25.00% 518.00% to 30.00% 518.00% to 30.00% 512.50% to 30.00% 510.00% to 21.00%
Range Between
NEW : 2.00% NEW : 2.00% NEW : 3.00% NEW : 4.00% NEW : 4.00% NEW : 3.00% NEW : 3.00%
2 Loan Processing Charges (Non Refundable) USED : 2.00% USED : 2.00% USED : 3.00% USED : 4.00% USED : 4.00% USED : 3.00% USED : 3.00%
NEW : 1.50% NEW : 1.50% NEW : 1.50% NEW&USED:1.50% NEW&USED:1.50% NEW : 2.00% NEW : 1.50%
3 Documentation Charges (Non Refundable) USED : 1.50% USED : 1.50% USED : 1.50% St max 5000 St max 5000 USED : 2.00% USED : 1.50%

4 Stamping Charges (Non Refundable) Applicable as per the respective State’s Stamp Act ($)

5 Loan Cancellation Charges Rs. 1500 per case

6 Penal Charges for Financial Overdues (% on No. of days overdue) 2.00% Per Month 2.00% Per Month 2.00% Per Month 1.50% Per Month 1.50% Per Month 1.50% Per Month 2.00% Per Month

7 Collection Charges (Local as per municipal/city limits) - Rs. 250 per instance
Return related instance.

8 Collection Charges - Collection / Closure of Bank A/c / Rs. 300 per instance of visit to customer premises will be charged to customer whether any installment payment is made or not.
No repayment mandate / Invalid (SI/Debit/ACH Mandate) etc,
Cash Collection Charges (whether paid at our branch (or) paid to our Upto 1% of cash collected subject to a minimum Rs.100/-
9 field exec. towards dues/overdues/settlement/sale proceeds etc.)
Rs. 750 + Bank Rs. 750 + Bank Rs. 750 + Bank Rs. 750 + Bank Rs. 750 + Bank Rs. 400 + Bank Rs. 750 + Bank
10 Repayment Dishonour Charges (Cheque/SI/ACH) charges on actuals charges on actuals charges on actuals charges on actuals charges on actuals charges on actuals charges on actuals
Swap Charges (Change / Replacement of Repayment Mode Rs. 500 per instance
11 instructions per instance) upto max.

12 Preclosure Charges (of principal loan outstanding) 3.00% 3.00% 3.00% 5.00% 5.00% 3.00% 5.00%

13 Duplicate NOC Issuance Charges Rs. 500 per Loan / per instance

14 Non Submission of Invoice Rs. 300/- per month or part thereof for delays post invoicing of over 90 days

Non Submission of Latest Insurance Policy (duly renewed)/

per year of renewal & during entire loan tenure with proper
15 insured name, hypothecation endorsement and adequate Rs. 300/- per month or part thereof for delays post invoicing of over 90 days
Insured's Declared Value and Comprehensive Insurance
coverage without major exclusions
Non Payment of Tax applicable Motor Vehicle Tax Rs. 500/- per month or part thereof for delays over 90 days from due date
16 on time leading to issues at RTO

17 Non Renewal of Permit Rs. 500/- per month or part thereof for delays over 90 days from due date

Non Submission of RC with Hypothecation / Rs. 300/- per month or part thereof for delays post invoicing of over 90 days
18 Name transfer duly effected

Non Submission of of Udhyam Registration Rs. 500/- per month or part thereof for delays over 30 days from loan date
19 certificate - for MSME/MSE segment only

20 ROC/CERSAI not done within time lines Rs. 5000/- per month or part thereof for delays over 30 days + all penalties levied by ROC to be borne by customer additionally+actual cost incurred

Non Submission of property collateral Rs. 5000/- per month or part thereof for delays over 60 days+ROC Consultant Charges
21 documents / MOTD if stipulated

Non Submission of installation certificate Rs. 5000/- per month or part thereof for delays after 60 days from Loan date or installation completion date whichever is later
22 for equipment of machinery

Other Charges j. Closure of Bank Account from which repayment instruments /ACH has been
a. Statement of a/c charges Rs. 200/- per statement issued (without i ntimation) upto max* -Rs.500
b. NOC to convert from Personal to Commercial Regn & from Commercial to Personal Regn k. Foreclosure Statement Charges (free for 1 time) - Rs.200
NOC to RTO for conversion of fuel used & miscellaneous NOCs upto Rs.2000/- (per NOC) l. Compensation Charges, if the disbursement happens before the loan
c. CIBIL / Other CIB CIR Charges - Rs.50/- for Individual & Rs. 500/- for Non-Individual agreement date (for the intervening days)-@ Contracted rate of interest.
d. Legal / repossession / incidental charges - At Actuals. m. Due date shifting charges (beyond chosen initial moratorium period)-
e. Vehicle registration & hypothecation verification Charges - At Actuals. @ Contracted rate of interest.
f. RTO Registration Charges - At Actuals. n. Trade Certificate/Licence Charges incurred by the Lender - At Actuals.
g. Asset Valuation Charges - At Actuals. o. NeSL IU Registration / Renewal Charges - At Actuals.
h. Travel and CollectionFollow_up Charges - At Actuals. p. Any other charges - At Actuals.
i. SMS/Tele-calling Charges - At Actuals.
Notes d. MCLR basis controls does not apply for Fixed ROI loan with loan tenor exceeding 3 years.
1. The charges or fees given in the above table are subject to change at the sole discretion of the bank and 6. Goods and Service Tax and other government taxes & levies at prevailing rates would be charged over
the one recorded in agreement will be binding over this schedule. and above the rates / charges indicated in this schedule (as may be applicable)
2. Please note that all products may not be handled at all branch outlets. 7. The Bank reserves the right to assess and levy charges on transactions which are not covered by this
3. For the details of rate of interest for each product segment - please contact our nearest branch. schedule, on a case to case basis like legal / repossession and recovery/ communication / travel
4. There can be variations to the above rates based on actual loan product variants being availed /time - expenses, SMS and Tele calling charges etc.
specific financing schemes being offered. 8. No Pre-closure charges are applicable for loan amount up to Rs. 50 Lakhs to Micro & Small Enterprises
5. Bank reserves the right to consider the loan applications based on merits of the case and bank’s decision for vehicles / assets used for business purpose with valid URC as on date of loan sanction (only if URC
shall be final and binding. has been submitted to the Bank on or before loan sanction). However this waiver is not applicable to
a. All Vehicle/Equipment loans are on fixed (ROI) basis and Home loans are on Floating ROI basis unless vehicles / assets used for farming (or) for personal use, though the Borrower has a valid and active URC.
specified otherwise. The Bank would be communicating the customer IRR (Effective ROI) to the 9. For any updates / latest changes in the Schedule of Charges please visit us at www.indusind.com.
customer vide its Sanction Letter, Agreement Schedule, Printed Welcome Kit cum contractual details. 10.Loan processing charges, Documentation Charges, Stamp Duty ($) & other expenses incurred on
b. The customer IRR (ROI) as mentioned in the SOC (or) more specifically in the Sanction Letter, “Actuals” basis are Non-refundable.
Agreement Schedule, Printed Welcome Kit cum contractual details shall be basis Bank’s current 11.For any further queries please contact our nearest CFD Office.
applicable MCLR (inclusive of tenor premium) + MARGIN for fixed rate loans and based on current * Goods and Service Tax (GST) as applicable and at rates as prevalent from time to time.
EBLR+MARGIN for Home Loans. #

c. 5 For loan tenor upto 3 years, Minimum ROI cannot be less than the MCLR applicable for the specific
Denotes maximum percentage / maximum amount.
loan tenure on the loan date.

For any queries call IndusInd Bank (Consumer Finance Division), Tollfree No: 1800 102 3333, Email ID: [email protected], ': 044 - 4444 1122/044 - 4545 5555, Whatsapp: 022 - 4406 6666
 Schedule of charges(SOC) applicable for all loans disbursed from 01.04.2024

Effective from 01.04.2024 CONSUMER FINANCE DIVISION (CFD) SCHEDULE OF CHARGES (SOC)

Two Wheelers - Normal Bikes Two Wheelers - High End / High Street Bikes Affordable Home Loans
S.No. Details
(Fixed ROI Basis) (Fixed ROI Basis) (Floating ROI Basis)

New : Between 513.00% to 30.00% New : Between 511.00% to 28.00% New: (EBLR+Margin): Between 10% to 14%
1 Rate of Interest (Diminishing) i.e. Effective ROI
Refinanced : Between 513.00% to 30.00% Refinanced : Between 513.00% to 30.00% Top-up (EBLR+Margin): Between 10% to 18%

NEW : 4.00% NEW : 4.00% upto 2% of finance amount subject to minimum

2 Loan Processing Charges (Non Refundable) USED : 4.00% USED : 4.00% of Rs. 5000/-
NEW : 3.00% NEW : 3.00%
3 Documentation Charges (Non Refundable) USED : 3.00% USED : 3.00% Rs. 5000/-

4 Stamping Charges (Non Refundable) Applicable as per the respective State’s Stamp Act ($)

5 Loan Cancellation Charges Rs. 1500 per case Rs. 1500 per case Rs. 2500 per case

6 Penal Charges for Financial Overdues (% on No. of days overdue) 1.00% Per Month 1.00% Per Month 2.00% Per Month

7 Collection Charges (Local as per municipal/city limits) - Rs. 250 per instance
Return related instance.

8 Collection Charges - Collection / Closure of Bank A/c / Rs. 300 per instance of visit to customer premises will be charged to customer whether any installment payment is made or not.
No repayment mandate / Invalid (SI/Debit/ACH Mandate) etc,
Cash Collection Charges (whether paid at our branch (or) paid to our Upto 1% of cash collected subject to a minimum Rs.100/-
9 field exec. towards dues/overdues/settlement/sale proceeds etc.)

10 Repayment Dishonour Charges (Cheque/SI/ACH) Rs. 400 + Bank charges on actuals Rs. 400 + Bank charges on actuals Rs. 750 + Bank charges on actuals

Swap Charges (Change / Replacement of Repayment Mode

11 instructions per instance) upto max. Rs. 500 per instance

12 Preclosure Charges (of principal loan outstanding) 5.00% 5.00% 2% - 5% - NA for floating ROI cases (individuals)

13 Duplicate NOC Issuance Charges Rs. 500 per Loan / per instance

14 Non Submission of Invoice Rs. 300/- per month or part thereof for delays post invoicing of over 90 days

Non Submission of Latest Insurance Policy (duly renewed)/

per year of renewal & during entire loan tenure with proper Rs. 300/- per month or part thereof for delays post invoicing of over 90 days.
15 insured name, hypothecation endorsement and adequate For affordable Home Loans, Borrower to ensure that, property is duly and properly insured for all risks including Fire, Explosion, Cyclone,
Insured's Declared Value and Comprehensive Insurance Storm, Flood and Inundation, Civil Riots & Commotion etc., with hypothecation in favour of IndusInd Bank.
coverage without major exclusions
Non Payment of Tax applicable Motor Vehicle Tax
16 on time leading to issues at RTO Rs. 500/- per month or part thereof for delays over 90 days from due date

17 Non Renewal of Permit Rs. 500/- per month or part thereof for delays over 90 days from due date

Non Submission of RC with Hypothecation /

18 Name transfer duly effected Rs. 300/- per month or part thereof for delays post invoicing of over 90 days

Non Submission of of Udhyam Registration Rs. 500/- per month or part thereof for delays over 30 days from loan date
19 certificate - for MSME/MSE segment only

20 ROC/CERSAI not done within time lines Rs. 5000/- per month or part thereof for delays over 30 days + all penalties levied by ROC to be borne by customer additionally+actual cost incurred

Non Submission of property collateral Rs. 5000/- per month or part thereof for delays over 60 days+ROC Consultant Charges
21 documents / MOTD if stipulated

Non Submission of installation certificate Rs. 5000/- per month or part thereof for delays after 60 days from Loan date or installation completion date whichever is later
22 for equipment of machinery

Other Charges j. Closure of Bank Account from which repayment instruments /ACH has been
a. Statement of a/c charges Rs. 200/- per statement issued (without i ntimation) upto max* -Rs.500
b. NOC to convert from Personal to Commercial Regn & from Commercial to Personal Regn k. Foreclosure Statement Charges (free for 1 time) - Rs.200
NOC to RTO for conversion of fuel used & miscellaneous NOCs upto Rs.2000/- (per NOC) l. Compensation Charges, if the disbursement happens before the loan
c. CIBIL / Other CIB CIR Charges - Rs.50/- for Individual & Rs. 500/- for Non-Individual agreement date (for the intervening days)-@ Contracted rate of interest.
d. Legal / repossession / incidental charges - At Actuals. m. Due date shifting charges (beyond chosen initial moratorium period)-
e. Vehicle registration & hypothecation verification Charges - At Actuals. @ Contracted rate of interest.
f. RTO Registration Charges - At Actuals. n. Trade Certificate/Licence Charges incurred by the Lender - At Actuals.
g. Asset Valuation Charges - At Actuals. o. NeSL IU Registration / Renewal Charges - At Actuals.
h. Travel and CollectionFollow_up Charges - At Actuals. p. Any other charges - At Actuals.
i. SMS/Tele-calling Charges - At Actuals.
Notes d. MCLR basis controls does not apply for Fixed ROI loan with loan tenor exceeding 3 years.
1. The charges or fees given in the above table are subject to change at the sole discretion of the bank and 6. Goods and Service Tax and other government taxes & levies at prevailing rates would be charged over
the one recorded in agreement will be binding over this schedule. and above the rates / charges indicated in this schedule (as may be applicable)
2. Please note that all products may not be handled at all branch outlets. 7. The Bank reserves the right to assess and levy charges on transactions which are not covered by this
3. For the details of rate of interest for each product segment - please contact our nearest branch. schedule, on a case to case basis like legal / repossession and recovery/ communication / travel
4. There can be variations to the above rates based on actual loan product variants being availed /time - expenses, SMS and Tele calling charges etc.
specific financing schemes being offered. 8. No Pre-closure charges are applicable for loan amount up to Rs. 50 Lakhs to Micro & Small Enterprises
5. Bank reserves the right to consider the loan applications based on merits of the case and bank’s decision for vehicles / assets used for business purpose with valid URC as on date of loan sanction (only if URC
shall be final and binding. has been submitted to the Bank on or before loan sanction). However this waiver is not applicable to
a. All Vehicle/Equipment loans are on fixed (ROI) basis and Home loans are on Floating ROI basis unless vehicles / assets used for farming (or) for personal use, though the Borrower has a valid and active URC.
specified otherwise. The Bank would be communicating the customer IRR (Effective ROI) to the 9. For any updates / latest changes in the Schedule of Charges please visit us at www.indusind.com.
customer vide its Sanction Letter, Agreement Schedule, Printed Welcome Kit cum contractual details. 10.Loan processing charges, Documentation Charges, Stamp Duty ($) & other expenses incurred on
b. The customer IRR (ROI) as mentioned in the SOC (or) more specifically in the Sanction Letter, “Actuals” basis are Non-refundable.
Agreement Schedule, Printed Welcome Kit cum contractual details shall be basis Bank’s current 11.For any further queries please contact our nearest CFD Office.
applicable MCLR (inclusive of tenor premium) + MARGIN for fixed rate loans and based on current * Goods and Service Tax (GST) as applicable and at rates as prevalent from time to time.
EBLR+MARGIN for Home Loans. #

c. 5 For loan tenor upto 3 years, Minimum ROI cannot be less than the MCLR applicable for the specific
Denotes maximum percentage / maximum amount.
loan tenure on the loan date.

For any queries call IndusInd Bank (Consumer Finance Division), Tollfree No: 1800 102 3333, Email ID: [email protected], ': 044 - 4444 1122/044 - 4545 5555, Whatsapp: 022 - 4406 6666