| S.No. | Particulars | Amount |
|---|---|---|
| A. | Loan Origination Charges | |
| 1 | Processing Fees | Minimum Rs. 2,500/- or 2% of Loan Amount, whichever is higher |
| 2 | Stamp Duty | As Per Applicable State Law |
| 3 | ROC Charge Creation Charges | Rs. 5,000/- Per Registration, if not done by customer |
| 4 | CERSAI Charges | Rs. 500/- Per Registration |
| 5 | Legal Charges ( Including Title Investigation Report ) | Rs. 3,000/- Per Report |
| 6 | Valuation Charges | Rs. 850/- per report (in Vehicle Loans), Rs. 3,000/- per report (in Mortgage Loans, unsecured loans) |
| 7 | RCU Charges | Rs. 1,200 Per Instance |
| 8 | Additional Collateral Charges | Max. Rs. 3,500/- for each Additional Asset |
| 9 | Loan Processing Fees - Credit shield ( if opted ) | Rs. 1,200/- Per Instance |
| 10 | Application Login Fees ( Non - Refundable ) | Rs. 2,000/- Per Application |
| 11 | Commercial CIBIL Charges | Rs. 1,000/- Per Report |
| 12 | RTO Charges | Upto, Rs. 750/- Per Instance |
| 13 | Third Party Insurance Charges | Rs. 1000/- Per Instance |
| B | Loan Servicing Charges | |
| 14 | Overdue EMI Interest | As per Contractual annualized rate of interest on defaulted amount for the period of default |
| 15 | Bank Charges | As Per actual |
| 16 | Cheque Collection Charges | Rs. 500/- per instance |
| 17 | Cheque/ACH/ECH Swap/Replacement Fees | Rs. 500/- Per Instance |
| 18 | Collection Follow Up Telecalling Fees | Rs. 100/- Per two instances in a month |
| 19 | Field Visit Fees for Collection Follow Up | Rs. 500/- Per two instances in a month |
| 20 | Collection Communication Letter Charges | Rs. 200/- Per two instances in a month |
| 21 | Cash Collection Charge | Rs. 500/- Per two instances in a month |
| 22 | Reimbursement of Collection/ Travelling/ Legal/ Recovery/ Parking/ Repossession/ Other Charge | As Per Actual Expenditure |
| 23 | Foreclosure Pre-Termination Charges | 5% ( in Loan Against Property, MSME Loans, Un secured Loans), 7% ( in Vehicle Loans Including Industrial Machinery Loans) |
| 24 | Foreclosure Value Statement Fees | Rs. 500/- Per Instance |
| 25 | Duplicate/ Additional NOC Fees | Rs. 1000/- Per Instance |
| 26 | Duplicate Repayment Schedule Fees | Rs. 500/- Per Instance (only for physical copy) |
| 27 | Loan Cancellation/Rebooking Charges | Interest at the contracted rate will be charged from the date of disbursement upto the date of refund and loan cancellation charges of Rs. 2,100/- for Vehicle Loans and Rs. 5000/- for Mortgage Loans |
| 28 | Credit Shield surrender premium processing Fees | Rs. 2500/- per policy |
| 29 | Part-preclosure processing Fees | Rs. 1500/- per instance |
| 30 | Document retrieval Fees | Rs. 1000/- per instance |
| C | Penal Charges for Non Compliance of Material Terms & Conditions | |
| 31 | Penal Charges,in case of repayment default | 24% P.A. on Defaulted Amount for The Period of Default |
| 32 |
Penal charges against non-compliance of material terms & conditions of Loan Agreement |
2% quarterly on principal outstanding amount |
| 33 | Cheque/ECH/ACH Bounce Charges | Rs. 500/- Per Instance |
| 34 | 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
Call 
Locate Us 
Apply Now 
Career 
