• Login
New Internet Banking APR Calculator
New Internet Banking
Election Result 2025 APR Calculator
New Internet Banking Election Result 2025 APR Calculator
To report any unauthorised electronic transaction / Lodge a Complaint click here Dear Customer, You can block ATM Card through KCCB Mobile Apps, Bank Website or by SMS as BLOCK<SPACE> XXXX (Last 4 Digit of Card Number) to 9028048500 from registered mobile number. Dear Customer, Bank has discontinued Personal Accident benefit for Saving Acount holders and Individual Current Account holders W.E.f. Dt. 31-03-2025. Stay Alert! Kalupur Bank communicates only through SMS headers 'KCBANK', 'KEBANK', and 'KCBMSG'. Beware of phishing attempts from other sources. To Report any Cyber Crime/Cyber Fraud Call 1930 or visit www.cybercrime.gov.in.
  • Login
×

Processing Fees

Revision in charges will be applicable to all new sanction in case of Retail loan category and Fresh / increase / Renewal in case of Business loan Category on or after 01/12/2024.
Processing Charges (Business Category)
Sr No. Particulars Revised charges
1A Sanctioned/Reviewed Limits WC = FB + NFB (LC/BG) + Forward Contract (On sanctioned / reviewed limits) Term Loans (On sanctioned limit – one time)
Up to Rs. 1.00 lakh Nil Nil
Above Rs. 1.00 lakh to Rs. 100.00 lakh 0.20 of limit 0.40 of limit
Above Rs. 100.00 lakh to Rs. 500.00 lakh 0.20 of limit 0.40 of limit
Above Rs. 500.00 lakh 0.20 of limit 0.40 of limit
Maximum Cap
Rs. 12.50 lakh
1B For Bill Discounting under LC (domestic / foreign) limit Rs. 7500/- for every Rs. 10/- crore or part thereof, with minimum of Rs. 7500/-
1C Adhoc Facility As per slab of existing WC limits on pro rata basis minimum Rs. 2500/-
1D Advances related to Builders 1% with maximum cap of Rs. 15.00 lakh-
1E In Principle Sanction 10% of applicable processing fees (Non refundable)-
1F Sanction Re-validation 10% of applicable processing fees (Non refundable)-
1G FDOD/FD Loan Nil-
  • Branch to recover upfront In-Principle Sanction processing fees which should be adjusted against regular processing charges, in case of sanction.
  • Branch to recover upfront 50% of total applicable processing charges on receiving the fresh application. Remaining 50% processing charges be recovered on acceptance of sanction. In case of non-acceptance of sanction upfront recovered 50% processing charges shall not be refunded.
  • In case of rejection/non-sanction, 10% admin charges be recovered (i.e. Remaining 40% to be refunded) & remaining amount be refunded.
  • In case of forward contract limit, processing charges to be levied on notional exposure as applicable for WC limits.
  • In case of Increase / New facilities during the year after renewal, Full Processing Charges (and not on pro rata basis) on additional exposure to be recovered.
  • In case of advances to Builders, 1% processing charges to be levied with max. cap of Rs. 15.00 lakh at the time of fresh sanction and at the time of renewal, processing charges will be Nil. In case of regular OD facility (without linking Project) with gradual reduction to Builders, 50% of applicable processing charges be recovered at the time of renewal.
  • In case of renewal of working capital (FB & NFB) limits, 50% of the applicable processing charges to be recovered subject to maximum cap of Rs. 12.50 lakh.
  • No processing charges to be levied on renewal of TL (including Standalone Term Loans).
  • In case of adhoc/WCDL/Technical Review/Short Review, applicable proportionate processing charges to be levied based on slab of total facilities with Adhoc/WCDL.
  • Taxes to be levied in addition to above processing charges as prescribed by GOI from time to time.
Waiver of Processing fees on takeover portion of Business Loan category, in case of takeover from other Banks / FIs :-
  • For Takeover Proposals: Nil Processing Fees on takeover portion.
  • If any fresh limit / increased limit is applied with takeover proposals, processing charges to be recovered on Fresh / Increased portion as per total slabs of WC and TLs as per above table.
Processing Charges (Retail Category)
Particulars Revised charges
Home Loan 0.25% of Loan amount, Min Rs. 3000/-, Max Rs. 15000/-
Home Loan Take over 0.25% of Loan Amount, Min Rs. 3000/-, Max Rs. 15000/-
Home Loan Top – Up Including Takeover 0.25% of Loan amount, Min Rs. 3000/-, Max Rs. 15000/-
Home Loan Top Up OD (*) 0.25% of Loan amount, Min Rs. 3000/-, Max Rs. 15000/- and Renewal Fees :- Nil
Car Loan 0.20% of Loan amount, Min Rs. 2000/-, Max Rs. 7500/-
Two-wheeler Loan 0.40% of Loan Amount
Education Loan Nil
Advances against Govt Securities (KVP/NSC/Govt Bonds) 0.10 % of Loan Amount + GST
Maximum – Rs 2500/-
OD/Loan Against Life Insurance Policy Overdraft (New Sanction/Review) and Term Loan

0.10% of OD/Loan Amount + GST, Maximum – Rs 1000/-
FDOD/FD Loan NIL
Kalupur Saral Loan Yojana Rs 1000/-
Commercial Vehicle Loan 0.40 % of Loan amount
Machinery Loan for Solar Photovoltic (Repo Linked) 1.00 % of Loan amount
Loan against Property (LAP) 0.50 % of Sanction amount
TL/OD Renewal of OD :- 50% of applicable fees
Sanction Re validation 10% of applicable processing fees
  • Taxes to be levied in addition to above processing charges as prescribed by GOI from time to time.
Concession in case of Car Loan & Home Loan (excluding Home Loan Top-up) :
Account Holder Concession
Premium Account 50.00%
Privilege Account 25.00%
  • Upfront concession in processing charges is allowed subject to required quarterly Average balance is maintained as per scheme guideline of Premium/ privilege saving / current Account till loan closure from the date of availing Home Loan / Car Loan. It is mandatory to give standing instructions (SI) for recovery of EMI from Premium/Privilege Saving/Current Account of the borrower with us for availing processing charges waiver.
VALUATION REPORT FEES (IMMOVABLE PROPERTY / PLANT & MACHINERY)
Valuation Amount of Assets Professional Fee charge by Panel valuers
Above Rs 5.00 Lakh & Upto Rs 15.00 Lakh Rs 1500/- + GST
Above Rs 15.00 Lakh & Upto Rs 30.00 Lakh Rs 3000/- + GST
Above Rs 30.00 Lakh & Upto Rs 50.00 Lakh Rs 4500/- + GST
Above Rs 50.00 Lakh & Upto Rs 70.00 Lakh Rs 5500/- + GST
Above Rs 70.00 Lakh & Upto Rs 100.00 Lakh Rs 6500/- + GST
Above Rs 100.00 Lakh & Upto Rs 200.00 Lakh Rs 7500/- + GST
Above Rs 200.00 Lakh & Upto Rs 500.00 Lakh Rs 8000/- + GST
Above Rs 500.00 Lakh & Upto Rs 1000.00 Lakh Rs 8500/- + GST
Above Rs 1000.00 Lakh & Upto Rs 1500.00 Lakh Rs 10000/- + GST
Above Rs 1500.00 Lakh Rs 15000/- + GST (Maximum)
  • Construction Progress Report (if applicable) : Up to Rs. 2000/- + GST
  • Vetting of Machinery Quotation (if applicable) : Up to Rs. 3500/- + GST
CHARGES FOR MORTGAGE
A. RETAIL LOAN (HOME LOAN, HOME LOAN TOP UP & EDUCATION LOANS)
Loan Amount Mortgage Fee (excluding Tax) Search report fee (First -3- Property located in same Mouje Per Property (Inclusive Tax) Search report fee (Rest of Property located in same Mouje Per Property (Inclusive Tax) Title Clearance Report (Inclusive Tax)
Upto Rs 25.00 Lakh Rs 1500/- Rs 1500/- Rs 1000/- Rs 1000/-
Above Rs 25.00 Lakh & Upto Rs 50.00 Lakh Rs 2000/- Rs 1500/- Rs 1000/- Rs 2000/-
Above Rs 50.00 Lakh & upto Rs 100.00 Lakh Rs 3000/- Rs 1500/- Rs 1000/- Rs 3000/-
Above Rs 100.00 Lakh Rs 70/- Per Lakh, Max Rs 15000/- (Including Title report) Rs 1500/- Rs 1000/- Rs 3500/-
B. BUSINESS LOAN & OTHER RETAIL LOANS WHICH IS NOT INCLUDE IN ABOVE ANNEXURE
Loan Amount Mortgage Fee (Inclusive Tax) Search report fee (First -3- Property located in same Mouje Per Property (Inclusive Tax) Search report fee (Rest of Property located in same Mouje Per Property (Inclusive Tax) Title Clearance Report (Inclusive Tax)
Upto Rs 25.00 Lakh Rs 1500/- Rs 1750/- Rs 1000/- Rs 1000/-
Above Rs 25.00 Lakh & Upto Rs 50.00 Lakh Rs 2500/- Rs 1750/- Rs 1000/- Rs 1500/-
Above Rs 50.00 Lakh & upto Rs 100.00 Lakh Rs 100/- Per Lakh, Max – Rs 10000/- (Inclusive of Title report) Rs 1750/- Rs 1000/- Rs 2000/-
Above Rs 100.00 Lakh Rs 100/- Per Lakh, Max – Rs 15000/- (Inclusive of Title Report) Rs 1750/- Rs 1000/- Rs 2500/-
Note :-
  • If Property is / are located in different Mouje, search charges will be paid at the rate of Rs 1750/- Per property.
  • For Loan above Rs 50.00 Lakh, in case where Title report and Mortgage deed are prepared by Panel advocates, Fee for Title report shall be part of Professional fee for Mortgage.