Annexure-A

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“Rates & charges >> Fees &
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Services >> Schedule of charges
“Rates & charges >> Fees &
and fees for Inland Rupee
Services >> Schedule of charges
Advances” पर जाएँ . and fees for Inland Rupee
Advances”
 Annexure-I

UNION BANK OF INDIA

Credit Policy & Research Vertical, Central Office

Schedule of SERVICE CHARGES pertaining to Advances (excluding GST)

Sr. Particulars Service Charges (excluding GST)

No.
I. PROCESSING CHARGES ON FUND BASED (WORKING CAPITAL) AND NON FUND BASED LIMITS
1 Processing Charges on Working Capital (FB/NFB) – Fresh Sanctions / Review / Renewal
i. upto Rs.25,000 NIL
ii. Above Rs.25,000 - Rs.2.00 lacs 400 per proposal
iii. Above Rs.2.00 lacs - Rs.10.00 lacs 300 per lac or part thereof minimum
Rs.1000
iv. Above Rs.10.00 lacs 350 per lac or part thereof
For Priority Sector - maximum 30 lacs,
For other advances - No cap
v. No processing charges for MSE
loan upto Rs.5.00 Lacs, agriculture loan upto
Rs. 3 Lacs and advance to SHG & JLG upto
Rs.3.00 Lacs.
vi. No processing charges on BGs/LCs backed by
100% and above cash/FDR margin
(self/third party FDR of our Bank)
vii. 50% concession in processing charges on
advances against Govt. securities,
UTI/Mutual fund Units, NSCs, Life Insurance
Policies, KVPs, IVPs, RIBs.
viii. No processing charges for Bills Discounted
under LC of reputed / Prime Bank on regular
/ ad-hoc limit.

2 Adhoc sanctions 150% of normal charges for actual period of

adhoc limit

3 Upfront recovery of processing fees Rs.1.00 cr and above – 50% before handing
over the sanction letter to the customer &
remaining 50% at the time of documentation
Below Rs.1.00 crore: 100% at the time of
documentation

4 Refund of Processing fees

a. 75% of the charges recovered at the time
of handing over the sanction letter to be
 refunded if sanction is not agreed when
conveyed.
b. However, if the consent / acceptance or
otherwise for limit sanctioned is not given
within 2 weeks from conveying of sanction
by branch, the processing charges
recovered upfront will be forfeited.
c. Processing charges recovered by the Bank
on completion of documentation will not
be refunded whether limit is availed fully
or not.
d. In case limits allocated in a consortium
arrangement is lower than the sanctioned
limit, the processing charge will be
recovered on allotted limit as per
documentation and excess processing
charges, if any will be refunded by the
Bank.
Note: If concession is approved at the time of
the supply of service and transaction value is
net of discount, GST needs to be paid only on
the transaction value. If concession is
subsequently given, GST already paid should
not be refunded.

II. Processing charges on Term Loan / DPGL / Demand Loan (including schematic loans)
5 At the time of sanction
Upto Rs. 25000 NIL
Above 25000 - Rs.2 lacs Rs.1000/- per loan
Above 2 lacs - 5 crores 1.30% of limit subject to minimum Rs.3000
Above 5 crores - 25 crores 1.10% of limit subject to minimum Rs.7 lac
Above 25 crs 1% of the limit subject to minimum Rs.30 lacs
For priority sector - max Rs.100 lacs
For other advances - No cap
No processing charges for MSE loan upto
Rs.5.00Lacs.

6 At the time of review - Processing charges should be levied on outstanding loan amount and
not on the sanctioned amount
a. In case no enhancement / restructuring / upto Rs.50 lacs - Nil
reschedulement is involved 50 lacs upto Rs.5 crores - 0.075% subject to
max 20000
Above 5 crs upto 10 crs - 0.040% subject to
max Rs.35000
Above 10 crores - 0.035% subject to max
Rs.75000
b. In case any enhancement / restructuring / 1% for the additional Term Loan and 0.25%
reschedulement is involved for restructured / rescheduled amount
(Subject to maximum Rs.1.00crore )
 7 Processing charges on short term loan
Same as applicable for Fund Based Working
Capital facility and to be recovered
separately.
(It is clarified that charges & maximum
ceiling of FB WC will be applicable on pro-
rata basis as per tenor of Short Term Loan.
For example STL of 3 months will have
processing charge of 1/4th of applicable
charge for FBWC limit with maximum of
Rs.7.50 lacs)
8 Rescheduling/ restructuring of accounts 0.25% for restructured/rescheduled amount
subject to maximum Rs. 1 cr.
Notes:
1. No processing charges on restructuring of a. Crop Loans, b. Any other agriculture loans, c.
Education loans, d. Micro Enterprises and e. Small loans upto Rs 5.00 lacs
2. Flat processing charge of Rs.500/- on restructuring per housing loan
9 Pre-Payment charges At 2% flat on the amount of term loan
prepaid as on the date of closure of the
account (Term Loans where repayment
period is fixed beyond 36 months). Pre
payment is not applicable for working capital
facilities.
Detailed guidelines covered under rules
governing Service Charges
10 Commitment charges for unutilised limit / 0.50% p.a. [It would be applicable to all
underutilise limit (including accounts under borrowal accounts where total limits (Fund
Loan system for delivery of Bank credit) based working capital plus non-fund based
plus Term Loan) is Rs.5 crores and above.]
Detailed guidelines covered under rules
governing Service Charges
11 Processing charges for miscellaneous requests
11.1 Earmarking limits for CP / STLs to be availed 0.10% of the amount of limit earmarked.
with other banks / our Bank Minimum - Rs.25000 & Maximum - Rs.2 lacs
11.2 Miscellaneous requests:
1. Modification in limits / sanction terms - per Corporate & Non-Corporate Clients:
occasion (Including Sanction of new line of Upto Rs. 10.00Lacs - Rs.2500
credit by earmarking existing limit) Above Rs.10 Lacs to Rs.1.00crore - Rs.15000
2. Revalidation of limits Above Rs.1.00crore to Rs.10.00crore -
3. Sanction/Roll over of FCL Rs.25000
4. Issue of Comfort Letter for Buyers Credit Above Rs.10 crores to Rs.50 crore - Rs.100000
5. Interest concession Above Rs.50 crores - Rs.500000
6. Reduction in commission/other service (In case of ad hoc limit, processing charges is
charges. to be recovered as per point no.2 above and
7. Reduction in Margin/collateral coverage no miscellaneous charges to be levied)
8. Waiver of personal/corporate guarantee
9. Waiver of any other sanction stipulation.
10. Issuance of NOC
 11. Extension of COD
12. Any other misc. request.

12 Processing charges on Retail Lending Schemes

Sr. Scheme Processing Charges Maximum
No.
12.1 Union Home 0.50% of loan amount Rs15000
12.2 Union Miles Flat Rs. 500/- for 2 Wheeler
Flat Rs. 1000/- for 4 Wheeler
No charges for staff members (Applicant / Co-applicant) availing loan
under Union Miles Scheme
12.3 Union Reverse 0.50% of loan amount Rs10000
Mortgage
12.4 Union Top-Up Product discontinued
12.5 Union Mortgage Term Loan- 1 % of loan amount -Minimum Rs5000 Maximum Rs100000
TL (Staff Members) 0.25% of loan amount
Union Mortgage (SOD) 0.25% of loan amount-No Minimum charges Max
Rs100000
Union Mortgage (SOD) Staff -Nil
12.6 Union Mortgage Plus 0.50% of loan amount
No charges for staff members availing loan under Union Mortgage Plus
Scheme
12.7 Union Personal Union Personal Non-Salaried/Salaried other than Govt Employees
with/without tie up- 1.00% of the loan amount subject to a minimum of
Rs500 and maximum Rs7500
SRLGE-Nil
12.8 Union Cash 0.10% of loan amount subject to minimum of Rs.100
12.9 Special Union Cash Upto Rs. 4.00 lakh Rs. 500/-
Scheme for Above Rs. 4.00 lakh to Rs. Rs. 1000/-
BSNL/MTNL VRS 6.00 lakh
optee/Retired Emp.
12.10 Union Education NIL
12.11 Union Professional Nil
Personal
12.12 Union Ashiyana Nil
Personal
12.13 Union Ashiyana 0.35% of loan amount with minimum Rs. 1000/-
Overdraft Nil, if applied along with Home Loan
Nil for Staff
12.14 Union Roof Top Solar 0.50% of loan amount Rs. 15000/-
Scheme
12.15 Union Green Miles Nil
12.16 Any other retail 0.50% of loan amount
scheme not specified
above
12.17 Legal fee to advocate (Per Asset) To be governed by "Policy for
Empanelment, Review, Removal & Fee
schedule of Advocates / Law firms and
Engagement of Senior Counsel / Solicitors"
issued by Legal Services Division, SAMV,
Central Office.
12.18 Valuation fee to valuer (Per Asset) - Retail / Agriculture Loans (To be governed by Policy on
Valuation of Properties and empanelment of valuers)
Value of Security Fees Payable Fees Payable
(In case of Retail Loan)
Upto Rs. 50000/- 500/- 500/-
Above Rs. 50000/- 1000/- 1000/-
upto Rs. 1 lac
Above Rs.1 lac upto 3000/-
Rs.25 lacs
Above Rs.25 lac upto 5000/- 3000/-
Rs.50 lac
Above Rs.50 lac upto 10000/-
Rs.1 crore
Above Rs.1 crore upto 15000/- 10000/-
Rs.5 crore
Above Rs.5 crore 20000/-
12.19 Relaxation Charges
Product Name Charges
Union Home 0.10% of loan amount subject to minimum of Rs. 500 and maximum of Rs.
5000
Union Miles 0.10% of loan amount subject to minimum of Rs. 500 and maximum of Rs.
5000
Union Mortgage 0.10% of loan amount (per deviation) subject to minimum of Rs. 500 and
maximum of Rs. 5000
Mortgage Plus 0.10% of loan amount subject to minimum of Rs.500 and maximum of
Rs.10000
Union Education 0.10% of the loan amount subject to minimum of ₹ 500 and maximum of ₹
5000 on one time basis
Union Professional 0.10% of loan amount (per deviation) subject to minimum of Rs. 500 and
Personal maximum of Rs. 5000
Union Ashiyana 0.10% of loan amount (per deviation) subject to minimum of Rs. 500 and
Personal maximum of Rs. 5000
Union Ashiyana 0.10% of loan amount (per deviation) subject to minimum of Rs. 500 and
Overdraft maximum of Rs. 5000
Union Roof Top Solar 0.10% of loan amount (per deviation) subject to minimum of Rs. 500 and
Scheme maximum of Rs. 5000
Any other retail 0.10% of the loan amount subject to minimum of ₹ 500 and maximum of ₹
scheme not specified 5000 on one time basis
above
Note: No miscellaneous request charges is to be levied on retail loans.
13 Processing and Service Charges on Crop / Gold loans
No. Particulars Processing Documentation Inspection Advocate Valuation
13.1 Crop loans (KCC
/ UGC)
Upto Rs.3 lacs Nil Nil Nil Nil NIL
Above Rs.3 lacs Normal charges as per schedule of service charges As per point
no.12.18
Note: The service charges for Crop Loan (KCC/UGC) limit above Rs.3 Lacs should be recovered on total limit
sanctioned and not on the difference of total limit & exemption limit of Rs.3.00 Lac. e.g. If KCC limit of Rs.10 Lacs
is sanctioned service charges to be recovered for entire Rs.10 Lacs only and not for Rs.7 Lacs
13.2 Gold Loans Processing Documentation Inspection Appraiser Re-appraiser
a. Gold Loans for Nil Upto Rs.20 lacs - Upto Rs.20 lacs - 0.40% of loan, 0.20% of loan,
agriculture Nil Nil minimum Rs.100 minimum of
purposes Above Rs.20 lacs Above Rs.20 lacs and maximum Rs.50 and
- 25% of normal - Normal Rs.500 per case maximum of
documentation inspection Rs.250 per case
charges charges

b. Gold Loans for 0.50% of limit Upto Rs.20 lacs - Upto Rs.20 lacs - 0.40% of loan, 0.20% of loan,
other than sanctioned Nil Nil minimum Rs.100 minimum of
agriculture subject to Above Rs.20 lacs Above Rs.20 lacs and maximum Rs.50 and
purposes (Non- maximum 1000 - Normal - Normal Rs.500 per case maximum of
Priority Sector documentation inspection Rs.250 per case
as well as charges charges
priority sector
other than
agriculture)
Sr. No. Particulars Proposed Service charges (excluding GST)
MISCELLANEOUS CHARGES
14
14.1 Performance Guarantee 2% pa Minimum for each quarter
14.2 Other Guarantees 3% pa Minimum for each quarter
14.3 Renewal / Extension of Guarantee Same charges as applicable for issuance of
fresh guarantee except that the claim
period not to be charged if the renewal is
effected before the expiry data of the
original guarantee
14.4 Guarantees Secured by 100% cash margin 500
14.5 Guarantee secured by 100% term deposit 25% of normal charges to be recovered for
including third party deposits of our bank minimum 1 quarter
14.6 Refund of Guarantee commission on
Covered in rule governing the service
guanrantees tendered for cancellation before
charges
the expiry date
14.7 Commission for Guarantee claim period Commission for the entire guarantee period
to be collected upfront, otherwise
permitted by the competent authority.

Branches need not collect the commission

for enforcement period which is the right of
the beneficiary under the law to initiate
before the Court or Tribunal for
enforcement of agreement.

15 Inland Letter of Credit

15.1 LC opening charges - Usance Charge 2.40% p.a. for the usance period for
complete month or part thereof. In case of
sight bills / usance for less than 1 month,
minimum 1 month charge @ 0.20%
minimum Rs.750
LC opening charges - Commitment charge Commitment charges : 1.20% p.a. with a
should be levied for the period of liability minimum period of 1 month or part thereof
15.2
(from the date of opening of credit to the last
date of its validity)
15.3 Extension of period Same as usance / commitment charges
(Minimum Rs.750)
15.4 Other amendments to LC Rs.500 Per amendment
15.5 Increase in amount of credit As applicable for LC issuing on prorata basis
for the amount increased above original
amount, minimum Rs.750
15.6 Revolving LC Same as above at the time of opening and
on each reinstatement on the amount of
reinstatement, period of reinstatement and
usance period of bill, min Rs.750
15.7 Advising of LCs Flat Rs.750
15.8 Advising of amendments Rs.500 Per amendment
15.9 Confirmation of LC As applicable to LC opening charges
15.10 Transferable LC - Per Transfer Flat Rs.1000 per transfer
15.11 Acceptance commission On all LCs established by other banks calling
for usance drafts to be drawn on &
accepted by our Bank, an acceptance
commission @ 2.40% p.a. with a minimum of
Rs.750
15.12 Negotiation charges - With a minimumk plus 0.40% minimum Rs.1000 & maximum
discount at applicable rate of interest from Rs.15000/- (In case of sight documents
the date of negotiation to the date of Minimum Rs.750)
reimbursement
Collection of LCs established by other banks - Negotiation charges and interest thereon
are to be collected for the LC's established
by other banks. In such case, collection
charges should not be levied.
LCs established by our bank Branches In case of LC's established by our bank
branches, only collection and interest as per
rating should be collected for the usance
period. In case of sight documents interest
for a maximum period of 15 days should be
collected subject to a minimum Rs.750.
15.13 Non-payment and non-acceptance of bills on 0.20 % of bill amount. Minimum Rs. 500/-
presentation / on due date

15.14 Guarantees on account of discrepancies in

documents
1. If payment received under reserve is 0.25% minimum Rs.750
credited to beneficiary's account -
2. If payment received under reserve at the No charges
request of the customer is not parted with -
3. When called upon to refund payment made No charges
to them under reserve
Presentation of usance Bills for acceptance - Rs.250 per bill
15.15 LC secured by 100% cash margin / term 25% of normal charges in respect of L/C
deposit opening charges subject to a minimum of
Rs.750
15.16 Standby LC As per the changes applicable for financial
Bank Guarantee
15.17 Overdue interest Overdue interest should be charged if the
(This is applicable to demand / usance bills bill is not paid on due date.
negotiated under LC opened by the branches.
The reason for the same is that in case of any
default, the Bank, which has opened the LC
would be liable to honor the commitment
 under the LC. The position where the LC is
opened by another branch of the negotiating
bank or by a branch of a bank other than the
negotiating bank, does not affect the position
of the negotiating bank / branch)
15.18 Attestation of commercial invoice at the time of negotiation - Nil
subsequent occasion - Rs.100
15.19 Out of pocket expenses All out of pocket expenses such as postages,
internet usage, telexes, fax, etc shall be
collected from the beneficiary unless
otherwise specified.
15.20 charges of authorised signatory including Rs.500 per charge
reconstitution of account
15.21 Redemption of securities(other than loan Actual exp. + Rs.250/-
against deposit)
15.22 Transmitting of Inland LC through SFMS (for 100
each completed LC) - (as charged by IDRBT
from member banks)

16 Documentation Charges (Fund Based) Also applicable on adhoc limits/single transaction

limits
Rs.2.00 lacs to 10.00 lacs 1250
Rs.10.00 lacs to 25.00 lacs 2500
Above Rs.25 lacs to Rs.1.00 crore 5000
Above Rs.1.00 crore to Rs.10.00crore 0.10% subject to maximum 20000/- (Other
than actual expenditure, if any & applicable
Stamp duty.)
Above Rs.10.00crore 0.02% subject to maximum Rs. 35000/-
(Other than actual expenditure, if any &
applicable Stamp duty.)
Actual charges in case of charges paid to
Security Trustee
16.1 No documentation charges: Loan against deposits, Retail Lending
Schemes (unless otherwise specified in
scheme), Crop loans upto Rs.3 lacs, gold
loans upto Rs.20 lacs for agriculture / non-
agricultural purpose and Loan to SHG / JLG
16.2 Other points: 25% of normal documentation charges on
a. Advances against Government Securities,
UTI/Mutual Fund Units, NSCs, KVPs, IVPs,
RIBs, IMDs, Life Insurance Policy.
b. Agricultural advances (other than crop
loans upto Rs.3 lacs)
c. Gold loan above Rs.20 lacs for
agricultural purpose
d. Bank Guarantees / Letter of Credit
backed by 100% cash margin / FDR margin
17 Inspection Charges on advance proposals
Upto Rs.5 lacs Rs.150 per quarter
Above Rs.5 lacs to Rs.50 lacs Rs.500 per quarter
Above Rs.50 lac to Rs.2 crore Rs.1000 per quarter
Above Rs.2 crore to Rs.5 crore Rs.2500 per quarter
Above Rs.5 crore Rs.4000 per quarter
a. Over and above these charges, out of
pocket expenses will be recovered on actual
incurred basis.
b. No inspection charges on advances under
Retail Lending Scheme (unless otherwise
specified in scheme) and on crop loans
(UGC / KCC) upto Rs.3 lacs and gold loans
upto Rs.20 lacs for agriculture / non-
agriculture purposes and loans against
deposits.

18 Mortgage Charge / Mortgage Creation Upto Rs.10 lacs - Rs.2500

charges: Above Rs.10 lac to Rs.50 lac - Rs.5000
Above Rs.50 lac to Rs.1 crore - Rs.10000
Above Rs.1 crore to Rs.5 crore - Rs.15000
Above Rs.5 crore - Rs.25000
Related guidelines covered in Rule
governing service charges
Above charges are per instance and
applicable for a maximum of 5 mortgages
only. Beyond 5 mortgages, Rs. 1000 per
mortgage to be recovered. The aforesaid
mortgage charges will be applicable for all
type of mortgages created by the Bank
other than for retail loans and loans upto
Rs. 3 lacs under agri. Unless otherwise
specified.
18.1 Registration of Mortgage with Central For credit facility upto Rs.5 lacs - Rs.150
Registry including modifications
For credit facility more than Rs.5 lacs -
Rs.300
18.2 Satisfaction of Mortgage with Central NIL
Registry
18.3 Particulars of securitisation or 1000
reconstruction of financial assets related to
Asset Reconstruction Companies
18.4 Particulars of satisfaction of securitisation 250
or reconstruction transactions related to
Asset Reconstruction Companies
18.5 Any application for information recorded/ 50
maintained in the register by any person
18.6 Any application for condonation of delay Not exceeding 2500 in case of creation of
upto 30 days security interest for a loan upto 5 lacs and
not exceeding 5000 in all other cases.

19 Lead Bank Charges (FB +NFB) 0.25% with max Rs. 50 lakh (in addition to
applicable processing charges)
Related guidelines covered under Rules
governing Service Charges
20 Holding of consortium meeting Rs.10000 + actuals
21 Project Appraisal Charges
Upto Rs.1.00crores: Same as inspection
charges
Above Rs.1.00crore:
- Project Finance:
• For own use: 0.10% of New Term Loan
• For sharing with customer/other lender:
Additional 0.10% of New Term Loan
(Subject to maximum Rs.5.00Lacs)
- Other than Project Finance: Same as
inspection charges
Rules:
a. In case TEV report from empanelled TPSP
of our bank/Consortium member bank is
obtained, inspection charges as specified
above is to be recovered for Technical
Inspection.
b. Technical inspection charges are to be
recovered on completion of documentation.
c. Out of pocket expenses are to be
reimbursed to the Bank.
22.1 Issuance of Solvency Certificate
Upto Rs.1 lacs 250 per certificate
Rs.1 lacs - 10 lacs 1000 per certificate
Rs.10 lacs - 1 crore 5000 per certificate
Rs.1 crore - 5 crore 10000 per certificate
Above Rs.5 crore 25000 per certificate

22.2 Capability Certificate • Rs.5/- per Rs.1000/- or a part thereof

with a minimum of Rs.100/- and maximum
of Rs.1000/- per certificate
• Additional capability certificate in respect
of same Student (who has already taken
earlier) for applying to other Universities /
same University within 12 month from the
issue of original capability certificate:
Rs.100/- per certificate
 Issuance of any other certificate for business purpose. (No Dues, Balance confirmation,
Maintenance of Account, NOC for release of security in case of sale of flat units under
23
real estate project etc. Certificate on behalf of our clients as well as clients referred by
other banks (other than for govt. sponsored schemes). Charges are per certificate
Loan upto Rs.10Lacs 150
Loan above Rs.10Lacs to Rs.100Lacs 250
Loan above Rs.100Lacs to Rs.10crore 500
Loan above Rs.10.00crore 1000
a. The certificate should be for business
purpose.
b. The borrowers under the Government
schemes are exempted from the levy of
charges on issuance of „No due certificate‟.
c. No service charges should be levied on
the balance confirmation certificate issued
in borrowal account at the end of the year.
24 Marking of / lifting of lien on NSC/RBI Rs.100 per instrument plus out of pocket
Bonds/KVP /IVP Assignment of LIC Policy expenses if any

25 Marking of / lifting of lien / hypothecation / Rs.500 per asset plus out of pocket expenses
other charges with RTO / revenue authority if any. No charges on Retail Lending
schemes (unless otherwise specified in the
scheme)

26 TUF subsidy application processing fee

upto Rs.1 crore - Rs.1000 1000
Above Rs.1 crore - Rs.2500 2500

27 Charges for supplying copy of document

Upto Rs.1.00 crore 500 per set of document
(Other than Govt. Sponsor Schemes and P.S.
upto Rs.25000/-)
Over Rs.1.00 crore 1000 per set of document
(Other than Govt. Sponsor Schemes and P.S.
upto Rs.25000/-)
Out of pocket expenses to be recovered
separately other than for Govt. sponsor
schemes and priority sector upto 25000
28 Providing Service charges for credit opinion
including introduction
when no credit limit availed from us. 500 per opinion
when credit limits are availed from us 1000 per opinion

29 ROC registration/modification /satisfaction

Each Transaction - Actual + Rs.500
charges
30 Search Report Each Transaction - Actual + Rs.500

31 Verification of power of attorney Rs.500 per POA

32 Providing Credit Information Reports from Consumer Report - Rs.100

Credit Information Companies for credit Commercial Report - Rs.500
appraisal (These charges are not applicable for retail
loans and other loans upto Rs.25Lacs. The
maximum aggregate charge for generating
CIC reports should not exceed Rs.5000/- per
borrower per annnum. Charge should not be
recovered for obtaining multiple reports of
same entity during particular
review/renewal process. These charges are
subject to periodical changes as per change
in charges by CICs. Separate guidelines will
be issued in case of any changes).
32.1 Providing copy of credit information report Consumer Report - Rs.100
as obtained and available from CIC based Commercial Report - Rs.1000
upon borrower's request

33 Fee for opening / operating Escrow / TRA Upto Rs.5 crore - Rs.1 lacs
a/cs (Trust & Retention a/c) Above Rs.5 crore upto Rs.10 cr - Rs.2 lacs
Above Rs.10 crore - Rs.5 lacs
(The charges prescribed are per annum)

34 Lodgement / Release of pledged goods ₹ 100/-+actual conveyance, if any. (Not

applicable for gold loans)