Schedule of Charges – Unsecured Business Loans

Unsecured Business Loans
Type of transaction Charges (in INR) 
A. LOAN PROCESSING FEE
Processing Fees Upto 7% of the loan amount applied (Non-Refundable) 
Application Fees Upto INR 30,000/- 
B. PART PREPAYMENT / FORECLOSURE CHARGES *
Part Prepayment / Foreclosure Charges 5% of principal outstanding 
*Please note PROTIUM does not charge foreclosure or penalties on any floating rate term loan sanctioned for purposes other than business to individual borrowers, with or without co-obligant(s).The above part prepayment and foreclosure charges are subject to the regulatory requirements and directions prescribed by Reserve Bank of India from time to time.
C. OTHER CHARGES
Legal Charges At Actuals 
Asset Verification Charges Upto 1000/ – Per Asset 
Demand Draft Cancellation Charges INR 500/- 
Cash Collection Charges 1% of the Receipt / Collected Amount 
Stamp Duty ChargesAt Actuals 
Foreclosure Letter Issuance Charges INR 500/- 
Cheque / NACH Bounce Charges (per presentation) Rs.1000 for loan amount under or equal to 10L

Rs. 2000 for loan amount above 10L 
Repayment Instrument Swap Charges INR 1,000/- 
Instalment Repayment Date Change (with no other changes) INR 1,000/- + GAP Period Interest, if any 
Modification of loan terms after first disbursement including but not limited to re- scheduling of loan repayment terms, addition/ deletion of co-borrower(s), etc. Upto 2% of outstanding principal amount 
Document Retrieval Charges INR 2,000/- 
Loan Cancellation Charges INR 10,000/- + rate of interest from the date of disbursement till date of request for cancellation 
Delayed Instalment Payment Charges3% pm on Instalment overdue(non-compounding)
*Please note that the above fee and charges are exclusive of GST or any other government taxes, levies etc. The above schedule of charges is subject to change and will be at sole discretion of PROTIUM. The changes will be available on PROTIUM’s website.

Schedule of Charges – Property backed Loans

Property backed Loans
Type of transaction    Charges (in INR)    
A. LOAN PROCESSING FEE
Processing Fees    Upto 4% of the loan amount applied (Non-Refundable)    
Application Fees    Upto INR 30,000/-    
B. PART PREPAYMENT / FORECLOSURE CHARGES *
Part Prepayment / Foreclosure Charges   5% of principal outstanding    
*Please note PROTIUM does not charge foreclosure or penalties on any floating rate term loan sanctioned for purposes other than business to individual borrowers, with or without co-obligant(s).

The above part prepayment and foreclosure charges are subject to the regulatory requirements and directions prescribed by Reserve Bank of India from time to time.
C. OTHER CHARGES
Legal Charges    At Actuals    
Technical Valuation Charges  Upto 1 % of the Sanctioned Amount  
Legal Evaluation Charges    Upto 1 % of the Sanctioned Amount 
Demand Draft Cancellation Charges    INR 500/-    
Cash Collection Charges    1% of the Receipt / Collected Amount    
Stamp Duty Charges At Actuals    
Foreclosure Letter Issuance Charges    INR 500/-    
CERSAI Security Creation Charges (each Property)    INR 500/-    
Cheque / NACH Bounce Charges (per presentation)  Rs.1000 for loan amount under or equal to 10LRs.

2000 for loan amount above 10L 
Repayment Instrument Swap Charges    INR 1,000/-    
Instalment Repayment Date Change (With no other changes)    INR 1,000 + GAP period interest, if applicable    
Modification of loan terms after first disbursement including but not limited to re- scheduling of loan repayment terms, addition/ deletion of co-borrower(s), etc.    Upto 2% of outstanding principal amount    
Property Swapping (subject to acceptance of alternate security by Protium)    Upto 2% of outstanding principal amount    
Charges for switching of loans from floating to fixed rate and vice versa – Applicable for Personal Loans    1.5% of outstanding principal amount and Undisbursed Amount if any.    
Document Retrieval Charges    INR 2,000/-    
Loan Cancellation Charges    INR 10,000 + rate of interest from the date of disbursement till date of request for cancellation    
Delayed Instalment Payment Charges2% pm on Instalment overdue (non-compounding)
* Please note that the above fee and charges are exclusive of GST or any other government taxes, levies etc. The above schedule of charges is subject to change and will be at sole discretion of PROTIUM. The changes will be available on Protium’s website.

Schedule of Charges – Equipment backed Loans

Equipment backed Loans
Type of transaction   Charges (in INR)   
A. LOAN PROCESSING FEE
Processing Fees   Upto 4% of the loan amount applied (Non-Refundable)   
Application Fees   Upto INR 75,000/-   
B. PART PREPAYMENT / FORECLOSURE CHARGES *
Part Prepayment / Foreclosure Charges   5% of principal outstanding   
*Please note PROTIUM does not charge foreclosure or penalties on any floating rate term loan sanctioned for purposes other than business to individual borrowers, with or without co-obligant(s).

The above part prepayment and foreclosure charges are subject to the regulatory requirements and directions prescribed by Reserve Bank of India from time to time.
C. OTHER CHARGES
Legal Charges   At Actuals   
Technical Valuation Charges Upto 1 % of the Sanctioned Amount   
Legal Evaluation Charges   Upto 1 % of the Sanctioned Amount 
Asset Verification Charges   Upto 1000/ – Per Asset   
Demand Draft Cancellation Charges   INR 500   
Cash Collection Charges   1% of the Receipt / Collected Amount   
Stamp Duty Charges At Actuals   
Foreclosure Letter Issuance Charges   INR 500   
CERSAI Security Creation Charges (each Property)   INR 500   
Cheque / NACH Bounce Charges  Rs.1000 for loan amount under or equal to 10L Rs.

2000 for loan amount above 10L 
Repayment Instrument Swap Charges   INR 1,000   
Instalment Repayment Date Change (with no other changes)   INR 1,000 + GAP Period Interest, if any   
Modification of loan terms after first disbursement including but not limited to re- scheduling of loan repayment terms, addition/ deletion of co-borrower(s), etc.   Upto 2% of outstanding principal amount   
Property Swapping (subject to acceptance of alternate security by PROTIUM FINANCE LIMITED)   Upto 2% of outstanding principal amount   
Document Retrieval Charges   INR 2,000   
Loan Cancellation Charges   INR 10,000 + rate of interest from the date of disbursement till date of request for cancellation   
Delayed Instalment Payment Charges3 % pm on Instalment overdue (non- compounding)
* Please note that the above fee and charges are exclusive of GST or any other government taxes, levies etc. The above schedule of charges is subject to change and will be at sole discretion of PROTIUM FINANCE LIMITED. The changes will be available on PROTIUM FINANCE LIMITED’s website.