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Personal Loan Overdraft Fees and Charges

Personal Loan Overdraft Interest Rates Per Year

13.50% onwards


Processing fees

 Up to 3% of the loan amount and GST

Annual Maintenance Charge

 0.25% or 1000 Rs whichever is higher

Penal Interest / Additional Interest

 3% overdue amount per month + GST

Post Dated Cheque Charges

 Rs. 850 + GST

Bounce Charge

 Rs. 600 for every Cheque / payment instrument /ECS dishonor + GST

Cancellation Charge

 2% of loan amount or Rs. 5750 ,whichever is higher + GST

Instrument swapping charges

 Rs. 550 + GST

Foreclosure charges for Overdraft Facility

4.5% on the Dropped down limit amount + GST 

Any prepayment /foreclosure made during the Lock-in Period will attract additional 2% over and above the prepayment/foreclosure charges mentioned in (a) above + applicable taxes on the Dropped down limit

Mandate Rejection Service Charge

 Rs. 450 + GST.

Charges will be applicable on your EMI Due date in case the account does not have an Active mandate after the exhaustion of the given post-dated cheques. This charge would be applied every month until there is an Active Mandate linked to the account.

Overdraft Facility Annual Maintenance Charges

 0.25% of dropline amount + GST or Rs 1000, whichever is higher per year will be deducted from the limit and shall be payable at the end of 13th Month.

Outstation collection charge

 Rs 100 + GST

Statement of account

 Soft Copy – Nil, Branch walk in Rs 250 + GST

Duplicate Repayment Schedule

 Soft Copy – Nil, Branch walk in Rs 550 + GST

Duplicate NOC

 Rs 550 + GST

Foreclosure letter Charges

 Soft Copy – Nil , Branch walk in – Rs 199 + GST


The fees/charges indicated above are subject to revision at Tata Capital’s discretion from time to time.

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