| Sr. No. | Type of Charge | Current charges per instance |
|---|---|---|
| 1 | Cersai Charges for creation / modification of security interest on collateral securities. | Rs. 100 plus GST |
| 2 | ROC filling charges (On customer request) | Vendor professional charges (plus taxes) + MCA fees (plus taxes) Vendor professional fees of Rs 2,250 MCA fees are as mentioned : 0-30 days Normal Fees Rs 600 , 31-60 days bucket Additional Fees Rs 4,200/-, 61-120 days Ad valerom Fees 0.05% of Exposure Amount |
| 3 | Processing Fees | Upto 1% (plus taxes) of the facility amount will be collected prior to disbursement as non-refundable administrative cost towards the processing of the loan. |
| CAM upto 5 lacs - Nil PF | ||
| 4 | Renewal Fee | Upto 1% (plus taxes) of facility amount. |
| 5 | Stamp Duty & other statutory charges | As per actuals which are applicable in laws of the state |
| 6 | Legal / Valuation | As per actual charged by the vendor |
| 7 | Issuance of No Due Certificate / No Objection Certificate (NOC) | No charges for original however for duplicate NOC, Rs 250/- (plus taxes) are applicable. |
| 8 | Issuance of Solvency certificate | Upto 1% of the solvency certification value (plus taxes) |
| 9 | Commission on LC/BG issuance | Upto 1.8% on LC/BG Amount (plus taxes) |
| 10 | Service Charges - for processing Physical Stock Statement. | Rs. 500 plus taxes for every physical stock statement collected or submitted. |
| 11 | Conversion Charges (For revising rate of interest) | @ 0.25% plus taxes as applicable on loan outstanding in case of Term loan and on sanctioned amount for other Working Capital Facility (e.g. Cash Credit / Overdraft etc.) or Rs. 10,000 plus taxes as applicable, whichever is higher. |
| 12 | Stock Audit Charges | For Sanctioned Limits upto Rs. 5 Crs: Rs.10,000/- plus taxes as applicable |
| For Sanctioned Limits above Rs.5 Crs: Rs.14,000/- plus taxes as applicable | ||
| **For the customers having multiple locations, stock audit charges to paid/recovered according to the number of visits to factory, office, godown etc. | ||
| 13 | Failed Takeover | In case of a failed takeover, Bank reserves the right to charge the borrower 1% plus taxes of the total limits sanctioned as failed takeover charges. |
| 14 | Incremental Interest on Adhoc limits. | @2% Interest on existing ROI on the additional adhoc amount |
| 15 | Foreclosure charges for Take over cases | For NON MSE Borrowers |
| Upto 4% of loan Principal outstanding for Term loan and 4% of the sanctioned amount for Working Capital Facility (plus taxes) | ||
| For MSE Borrowers | ||
| NIL for Borrowers classified as Micro and Small Enterprises, as per BCSBI guidelines under MSMED Act 2006, prepayment / foreclosure/ takeover charges | ||
| will not be charged if the Borrower is prepaying a fixed rate loan upto INR 50 lakhs or prepaying a floating rate loan of any amount. | ||
| 16 | EMI bounce charges for term loans | Rs 450 (plus taxes) Per EMI bounce |
| 17 | Commitment Charges | if Average Utilization>= 60% then no charges, If Average utilization is < 60% then 0.50% per annum on the difference between actual utilization and expected average quarterly utilization i.e. 60%. |
| These Charges will be levied on a quarterly basis (plus taxes) | ||
| Applicable only for CC/OD facility | ||
| 18 | Penal charges on customer exposures, overdue for renewal of credit facilities | 0.075% fortnightly |
| 19 | Incremental Interest on Temporary overdrafts (TOD) | 18% p.a. on TOD amount availed for the days, TOD is used. |
| 20 | Non-Submission of property/stock insurance | 0.075% fortnightly |
| 21 | Non-Submission of stock statement | 0.05% per Month |
| 22 | Maintaining Current Account with Other Bank while facility is granted under Sole Banking (Applicable where specific permission is not taken by the customer) | 0.075% fortnightly |
| 23 | Higher levy in case account conduct deteriorates | 0.075% fortnightly on utilized amount |
| 24 | Not complying with documentation for the credit facility. | 0.075% fortnightly |
| 25 | Intra Day Peak utilization charges | 18% per annum on the excess utilization over and above the set limit. |
| 26 | Non submission of UFCE declaration | 0.075% fortnightly penal charges |
| 27 | Non submission of Renewal documents | 0.075% penal Charges on the outstanding amount in case the documents are not submitted on or before duedate. |
Rates offered to customers during the period of April 2026- June 2026
Bank IRR |
|||
|---|---|---|---|
Product |
Min IRR |
Max IRR |
Avg IRR |
Healthcare Finance |
7.80 |
10.00 |
8.34 |
Annual Percentage Rate offered to Customer during the period of April 2026- June 2026
APR |
|||
|---|---|---|---|
Product |
Min APR |
Max APR |
Avg APR |
Healthcare Finance |
7.80 |
11.20 |
8.54 |
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Disclaimer: Terms and Conditions apply. Healthcare Finance group approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification as per the Bank's requirements. Interest Rate are subject to change. Please Check with your Relationship Manager or the closest HCF Bank brach for current interest rates.