Fees & Charges
View the table below for a detailed breakdown of the loan application fee and the loan processing fee.
View the table below for a detailed breakdown of the loan application fee and the loan processing fee.
CUSTOMER TYPE
RATES
Salaried / Self Employed
Attractive Rate Of Interest in the range of 12.75% - 22%
LONG TERM REFERENCE RATE
Long Term Reference Rate (“LTRR”) of Capri Global is 24.10% w.e.f 01-Apr-2023
Disclaimer: Interest rates mentioned above are variable in nature & is linked with LTRR of the company which is decided from time to time. It is further dependent on risk profile of customer - professional qualification, stability in earnings and employment, past repayment track record with us or other lenders, external ratings of customers, credit reports, customer relationship, future business opportunities and type of collateral offered etc. All loans are from Capri Global Capital Ltd. Credit at sole discretion of Capri Global Capital Ltd. Terms and conditions apply
UR / MSME TARIFF CARD / FEES & CHARGES GRID - Applicable from 28th August, 2020
Sl.No
Details of Fees Charged
Charges Applicable exclusive of GST
i.
ON APPLICATION
Application Fees (IMD) – Non-refundable (GST Included)
Up to 50 Lacs: Rs. 3,500/- & Above 50 lacs: Rs. 4720/-
Stamp Duty Charges & MOE Charges
On actuals
ii.
FROM DISBURSEMENT
Processing Fees
Up to - 2.5% + GST
CERSAI charge creation
Rs. 50/- for loans < Rs. 5 lacs and
Rs. 100/- for loans > Rs. 5 lacs
Legal Opinion Charges per collateral
Rs. 3,000/-
Legal Handling Charges (only in Balance Transfer / Resale loans)
Rs. 1,500/-
Valuation Charges
Rs. 2,000/
Subsequent Valuation Charges (only in construction cases)
Rs. 500/-
Document Verification Charges (FCU)
Rs. 750/-
Document Handling Charges
0.1% of Loan amount (rounded off to nearest multiple of 50)
Income Estimation Charges (LIP)
Rs. 1,750 (where applicable)
ROC Lien updation Charges
Rs. 2,500 (where applicable)
iii.
DURING THE TERM OF LOAN
Loan Cancellation Charges
Rs.5,000/
Loan Rebooking Charges
Rs. 2,500/-
PDC/ ECS/ NACH Dishonour Charges
Rs. 750/- per instance
Default / Late Payment Interest Rate
36% p.a. of outstanding dues
Collection Charges (Applicable only in cases of collection executive visits)
Rs. 350 per visit
Recovery (Legal / Possession & Incidental Charges)
On Actuals
Repayment Swapping charges
Rs.500/
List of Documents Retrieval Charges (LOD charges)
Rs.1100/- per instance
Copy of Property Papers Retrieval Charges
Rs.1000/- per instance
Duplicate No dues certificate
Rs.500/
Document Retrieval Charges (Any Other not mentioned above)
Rs. 500/- per instance
Foreclosure & Any other type of Statement Charges
Rs. 500/-
ROI Conversion Charges / Switch Fees / Retention Fees
@Rs. 500/ for each Rs. 1.00 lac of loan amount irrespective of the % reduction in ROI.
iv.
PREPAYMENT CHARGES (FIXED RATE TENOR OF SEMI-FIXED LOANS)
A.
Amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year
B.
Part-Prepayment amount to be minimum 3 EMI equivalent amount
C.
Prepayment charges (part/ full) to be 5% from 13-24th month from the date of last disbursa
D.
Prepayment charges (part/ full) to be 3% from 25th month from the date of last disbursal
E.
All part prepayments made 12 months prior to the full payment of the loan will be charged at the applicable full prepayment rate at the time of prepayment.
v.
PREPAYMENT CHARGES (FLOATING RATE LOANS AND FLOATING RATE TENOR OF SEMI-FIXED LOANS)
Individuals with loan sanctioned for purposes other than business
Non-Individuals / Individuals with loan sanctioned for business purposes
A.
Amount up to 25% of Principal Outstanding is NIL, Once in any Financial Year
B.
All part prepayments made 12 months prior to the full payment of the loan will be charged at the applicable full prepayment rate at the time of prepayment.
C.
Prepayment charges to be NIL in Floating rate loans and NIL during the Floating ROI tenor of Semi-Fixed rate loans
Prepayment charges (part/ full) to be 5% from 1st-24th month from the date of last disbursal
Prepayment charges (part/ full) to be 3% from 25th month from the date of last disbursal
The Standard TAT for Issuing Foreclosure and List of Documents (LOD) to customer is 21 days from the date of Request
All charges stated herein are exclusive of G.S.T. as applicable from time to time. All Charges stated above are subject to change at the discretion of CGCL. The above charges are applicable w.e.f. 28th Aug 2020.
1. Lender do not charge foreclosure charges / pre-payment penalties on home loans / all floating rate term loans sanctioned to individual borrowers.
2. In this connection, it is clarified that lender do not charge foreclosure charges/ pre-payment penalties on any floating rate term loan sanctioned, for purposes other than business, to individual borrowers with or without co-obligant(s)
For details terms & conditions of the loans under CGCL, please refer attached the MITC in below links