| S.No. | Particulars | Amount |
|---|---|---|
| A. | Loan Origination Charges | |
| 1 | Processing Fees | As Per Product & Borrower Profile |
| 2 | Stamp Duty | As Per Applicable State Law |
| 3 | ROC Charge Creation Charges | Rs. 5,000/- Per Registration |
| 4 | CERSAI Charge Creation Charges | Rs. 300/- Per Registration |
| 5 | Legal Charges ( Including Title Investigation Report ) | Rs. 3,000/- Per Report |
| 6 | Valuation Charges | Rs. 3,000/- Per Report |
| 7 | RCU Charges | Rs. 1,200 Per Instance |
| 8 | Additional Collateral Charges | Max. Rs. 3,500/- for each Additional Asset |
| 9 | Insurance Charges ( if Opted ) | Rs. 1,200 Per Instance |
| B | Loan Servicing Charges | |
| 10 | Late Payment Interest ( for The Loans Disbursed till March 31, 2024 ) | 36% P.A. on Defaulted Amount for The Period of Default |
| 11 | Overdue EMI Interest ( for The Loans to Be Disbursed on and After April 01, 2024 ) | As Per Contractual Annualized Rate of Interest on Defaulted Amount for The Period of Dafault |
| 12 | Bank Charges | As Per Actual |
| 13 | Cheque/ACH/ECH Collection Charges | Rs. 500/- Per Instance |
| 14 | Cheque Swap/Replacement Charges | Rs. 500/- Per Instance |
| 15 | Collection Follow Up Telecalling Fees | Rs. 100/- Per Instance |
| 16 | Field Visit Fees for Collection Follow Up | Rs. 500/- Per Instance |
| 17 | Collection Communication Letter Fees | Rs. 200/- Per Instance |
| 18 | Cash Collection Charge | Rs. 500/- Per Instance |
| 19 | Reimbursement of Collection/ Travelling/ Legal/ Recovery/ Parking/ Repossession/ Other Charge | As Per Actual Expenditure |
| 20 | Foreclosure Pre-Termination Charges | 5% ( in Loan Against Property, MSME Loans, Un secured Loans), 7% ( in Vehicle Loans Including Industrial Machinery Loans) |
| 21 | Foreclosure Value Statement Charges | Rs. 500/- Per Instance |
| 22 | Amortization Table Charge | Rs. 500/- Per Instance |
| 23 | Duplicate/ Additional NOC | Rs. 1000/- Per Instance |
| 24 | Duplicate Repayment Schedule | Rs. 500/- Per Instance |
| 25 | Loan Cancellation/Rebooking Charges | Rs. 2,100/- for Vehicle Loans and Rs. 5000/- for MSME Loans, Loan Against Property |
| C | Penal Charges for Non Compliance of Material Terms & Conditions | |
| 26 | Penal Charges ( For The Loans to be Disbursed on and After April 01, 2024) | 24% P.A. on Defaulted Amount for The Period of Default |
| 27 | Cheque Bounce/ECH or ACH Dishonor Charges | Rs. 750/- Per Instance |
| 28 | EMI Default Charges | Rs. 250/- Per EMI for Each Completed Month |
| 29 | Delay in Hypothecation Charges | Rs. 2000/- Per Instance |
# All of above charges, duties & fees are exclusive of all types of taxes charged by Government, Semi-Government or any other concerned authorities. The Company has sole discretion to make any subsequent changes and/or modifications in any or all charges mentioned above, from time to time, as per Company Policy.
Kogta Financial (I) Ltd, one of the fastest growing NBFCs in western India with its cost effective and efficient value chain for its client's financial needs is an outcome of its experienced and innovative Management Team.
CIN: U67120RJ1996PLC011406
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