This has referral to the RBI circular of August 02, 2019 on 'Levy of foreclosure charges/pre-payment penalty on drifting rate term loans', mandating that NIL foreclosure or pre-payment charges will be imposed on floating rate term loans sanctioned to Individual customers with/without co-borrower( s) for the functions besides for service.

Accordingly, this is to notify you that, regardless of anything included in the Transaction Documents, for Individual customers who has actually availed loan for organization function and for Non-Individual customers, foreclosure charges will be relevant according to the rates recommended by the Bank from time to time. The current applicable rates of prepayment charges are supplied listed below for your ready reference.

Loan Against Residential or commercial property

Fees & Charges

Part Pre-payment/ Foreclosure Charges (For Individual Borrowers with function besides organization)

NIL

Part Pre-payment/ Foreclosure charges (For Individual borrowers with service function/ all Non Individual borrowers/ fixed rate loans)

- 5% on part pre-payment amount/principal exceptional if paid within 12 months

• 3% on part pre-payment amount/principal exceptional if paid after 12 months
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