| SCHEDULED LOAN CHARGES & ROI | |||
| 1. Loan Charges: | Secured Salary Loan | Unsecured Loan | Mortgage Loan |
| 1. LOAN APPLICATION | ₹ 100 | ₹ 100 | ₹ 100 |
| 2. CIBIL CHARGES | ₹ 100 | ₹ 100 | ₹ 100 |
| 3. LOAN COMMITMENT | 0.5 % on Loan Amount | 1.0 % on Loan Amount | 1.0 % on Loan Amount |
| 4. SCRUTINY FEE | ₹ 500 | ₹ 500 | ₹ 2,000 |
| 5. E STAMP PAPER & CHARGES | ₹ 555 | ₹ 555 | ₹ 555 |
| 5. GST | 18.00% | 18.00% | 18.00% |
| 6. INSURANCE***(Premium amount depends on Loan Amount, Age of the Applicant and Loan Tenure) | |||
| 7. LEGAL OPINION** | Not applicable | Not applicable | ₹ 5,000 |
| 8. VALUATION CHARGES** | Not applicable | Not applicable | ₹ 5,000 |
| 2. LOANS | Rate of Interest | ||
| i. Vehicle Loan (New) | 12.00% | ||
| ii. Second Hand vehicle | 14.00% | ||
| iii. Education Loan ( Secured ) | 13.00% | ||
| iv. Education Loan ( Unsecured ) | 18.00% | ||
| v. School Student loan Quantum of loan up to RS 2 Lakh for 12 months | 12.00% | ||
| vi. Business Loan ( Secured ) | 12.00% | ||
| vii. Business Loan ( Unsecured ) | 19.75% | ||
| viii. Guardian Nest Credit ( Housing ) | 10.00% | ||
| ix. Guardian Nest Credit (B Khata) | 12.00% | ||
| x. Guardian Secure Credit Individual | 12.00% | ||
| xi. Guardian Secure Credit Institution | 11.00% | ||
| xii. Secured Salary Loan more than 5Yrs | 13.00% | ||
| xiii. Secured salary Loan Less than 5 yrs | 13.50% | ||
| xiv. Personal Loan | 19.75% | ||
| xv. Gold Loan | 12.00% | ||
| xvi. Micro Loan | 19.75% | ||
| xvii. Micro Loan Top up | 18.00% | ||
| xviii. Micro loan w/o Default up to 24 months up to Rs.100000/- | 17.00% | ||
| xix. OD Secured | 14.00% | ||
| xx. OD Unsecured | 19.75% | ||
| xxi. Unsecured Salary Loan | 17.00% | ||
| xxii. Unsecured Salary loan Cibil more than 750 | 16.50% | ||
| xxiii. Secured Term Loan | 16.50% | ||
| xxiv. Unsecured Term Loan | 19.75% | ||
| xxv. OD Against Gold | 10.00% | ||
| xxvi. Commercial Vehicle Loan for Educational Institution | 10.00% | ||
| xxvii. Guardian Secured Term Loan | 10.00% | ||
| xxviii. Guardian Secured Term Loan (Schools and hospitals) | 9.90% | ||
| * Terms & Conditions - Transaction Charges may vary from time to time | |||