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Our company has been maintaining an SME Advance account for the past three years. We recently noticed an increase in the interest rate being charged on the loan. Kindly clarify the reason for this change. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Advance account was debited an amount of Rs. 8762 on 02/05/2024 towards documentation charges. We were not aware of any such charges and were not informed beforehand. Kindly reverse this amount and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Advance account has been charged with an additional amount of Rs. 2314 towards penalty interest. We have been timely in our payments and would appreciate an explanation for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have availed an SME Term Loan of Rs. 25 lakhs from your bank. However, we were charged an additional amount of Rs. 5432 for loan processing. Could you please explain the reason for this charge and reverse the amount? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We maintain an SME Overdraft account with your bank. However, we were charged an additional amount of Rs. 3214 as account keeping charges. We were not informed of any such charges and request you to reverse the amount immediately. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has taken a Term Loan of Rs. 50 lakhs from your bank. We noticed that the interest rate being charged is higher than what was agreed upon in the loan agreement. Kindly review and provide an explanation for this discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been maintaining an SME Advance account with your bank for the past 2 years. However, we recently noticed a deduction of Rs. 1234 from our account without any explanation. Could you please clarify the reason for this deduction? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has availed a CC Limit account from your bank. However, we have been charged an additional amount of Rs. 4326 towards extension of collateral security for Covid loans. Kindly explain the reason for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We noticed a deduction of Rs. 5432 from our CC account towards service charges. We were not informed of any such charges and would appreciate an explanation for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company maintains a SOD account with your bank. However, we were charged an additional amount of Rs. 2314 as penal interest on a monthly basis for the past year. Kindly clarify the reason for this charge and stop further deductions. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Term Loan account was debited with an amount of Rs. 6543 towards processing fees. However, we were not informed of any such charges beforehand. We request you to reverse the amount and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been maintaining an SME Advance account with your bank for the past 5 years. However, we recently noticed an increase in the interest rate being charged on the loan. Kindly explain the reason for this change and rectify the interest calculation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Advance account was charged an additional amount of Rs. 5432 towards documentation charges. We were not informed of any such charges and request you to reverse the amount and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have availed an SME Overdraft account from your bank. However, we were charged an additional amount of Rs. 3214 as penalty interest. We have been timely in our payments and would appreciate an explanation for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has taken a Term Loan of Rs. 25 lakhs from your bank. However, we were charged an additional amount of Rs. 5432 as account keeping charges. Kindly explain the reason for this charge and reverse the amount. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We maintain an SME Advance account with your bank. However, we recently noticed a deduction of Rs. 1234 from our account without any explanation. We request you to provide an explanation and reverse the amount. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a CC Limit account from your bank. However, we noticed an additional debit of Rs. 4326 from our account. We were not informed of any such charges and would appreciate an explanation for this deduction. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been charged Rs. 5324 as processing fees for our SME Term Loan. However, we were not informed of these charges beforehand. Kindly explain the reason for this charge and reverse the amount. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Overdraft account was debited an amount of Rs. 6543 towards documentation charges. However, we were not informed of any such charges and request you to reverse the amount and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has been charged a processing fee of Rs. 10,000 for our SME Loan application. However, we were not informed about this fee beforehand. Could you please clarify why this fee was charged and if it can be waived? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We recently received our bank statement and noticed a charge of Rs. 5,000 labeled as "Documentary Charges". We were not informed about these charges and would like to understand the reason for this deduction. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our companys Overdraft (OD) account has been charged with a penalty interest of Rs. 50,000. We were not notified about any discrepancies in our account and maintain a good repayment history. Kindly review and reverse this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have availed a CC Limit of Rs. 1 crore for our business and have been charged a renewal fee of Rs. 25,000. However, we have not received any intimation regarding this charge and would like to understand the reason for it. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
As per our loan agreement for a Term Loan of Rs. 50 lakhs, the interest rate was fixed at 10%. However, we noticed that a higher interest rate is being applied to our loan amount. Kindly review and rectify this discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Loan account has been charged with a late payment fee of Rs. 10,000 for the month of June 2023. However, we have never missed a payment and always pay on time. Could you please investigate and reverse this charge? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have noticed a charge of Rs. 5,000 labeled as "Service Tax" on our bank statement for our SME Loan account. As per our understanding, service tax has been abolished and replaced with GST. Could you please clarify why this charge has been debited? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our CC Limit account was sanctioned in September 2022 and we have been paying a monthly penal interest since November 2022. As per our understanding, penal interest is only applicable for delayed payments. Kindly provide an explanation for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have paid a processing fee of Rs. 20,000 for our SME Loan application. However, we were informed that our application was rejected due to inadequate documents. Could you please refund this fee as we were not informed about the document requirements beforehand? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has availed a Term Loan of Rs. 1 crore for a tenure of 5 years. However, we noticed that the loan tenure has been extended to 6 years and an additional interest of Rs. 5 lakhs has been charged. Kindly review this discrepancy and reverse the charges. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been charged a documentation fee of Rs. 5,000 for our SME Loan application. However, we have not received any documents from the bank. Could you please clarify why this fee was charged? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Loan account has been debited with a charge of Rs. 10,000 labeled as "Annual Maintenance Charges". We were not informed about this charge and would like to understand the reason for it. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have received our bank statement and noticed a debit of Rs. 25,000 for our CC Limit account with the description "Excess Debit Charges". Could you please clarify why this charge was applied? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has availed a Term Loan of Rs. 50 lakhs and have been charged a documentation fee of Rs. 5,000. However, we were not informed about this fee and would like to understand the reason for it. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been charged a penalty interest of Rs. 50,000 on our CC Limit account. As per our understanding, penalty interest is only applicable for delayed payments. Could you please investigate and reverse this charge? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our SME Loan account has been charged with a late payment fee of Rs. 5,000 for the month of May 2023. However, we have never missed a payment and always pay on time. Kindly review and reverse this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have availed a CC Limit of Rs. 1 crore for our business and have been charged a documentation fee of Rs. 10,000. However, we have not received any intimation regarding this charge and would like to understand the reason for it. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our companys Overdraft (OD) account has been charged with a penalty interest of Rs. 20,000. We were not notified about any discrepancies in our account and maintain a good repayment history. Kindly review and reverse this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have noticed a charge of Rs. 10,000 labeled as "Service Charges" on our bank statement for our SME Loan account. However, we have not received any services from the bank and would like to understand the reason for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our CC Limit account was sanctioned in September 2022 and we were charged a processing fee of Rs. 50,000. However | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Dear Sir/Madam, I am writing to bring to your attention a discrepancy in charges on my SME Advance account. I noticed a deduction of Rs. 15,000 under the description of Documentation Charges on 12/05/2024. However, I was not informed about any such charges when the loan was sanctioned. Kindly clarify why this charge wa... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We are a regular customer of your bank and maintain a good credit history. However, we were surprised to see a debit of Rs. 8,500 under the description of Penal Interest on our SME Advance account. We have never missed a payment and have always maintained a sufficient balance in the account. Kindly review this charge a... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
This is to bring to your notice that our company availed a Cash Credit (CC) limit of Rs. 50 lakhs in January 2023. As per the agreement, the interest rate was fixed at 11%. However, we have noticed a higher interest rate being applied to our account. We request you to look into this matter and make the necessary adjust... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been a loyal customer of your bank for the past 15 years and have always received prompt and efficient service. However, we were surprised to see a debit of Rs. 5,000 on our SME Advance account under the description of Service Charges. We were not informed about any such charges and would appreciate it if you c... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We availed a Term Loan of Rs. 2 crores in December 2022 for our expansion project. As per the loan agreement, the processing fee was waived off as we have a longstanding relationship with your bank. However, we were shocked to see a debit of Rs. 25,000 under the description of Processing Charges on our account. Kindly ... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has been facing financial difficulties due to the ongoing pandemic and requested an extension of our Collateral Security for our SME Advance account. We were informed that there would be no additional charges for this extension. However, we noticed a debit of Rs. 10,000 on our account under the description ... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We are an MSME company and have been availing the benefits of the MSME loan scheme offered by your bank. However, we were surprised to see a debit of Rs. 7,500 under the description of MSME Loan Processing Charges on our account. As per the scheme guidelines, there are no processing charges for MSME loans. We request y... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a Working Capital Demand Loan of Rs. 1 crore in October 2022. As per the agreement, the interest rate was 9% and the repayment tenure was 3 years. However, we were surprised to see a higher interest rate being applied to our account and the repayment tenure was extended to 4 years. Kindly clarify th... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We maintain an Overdraft (OD) account with your bank and have been regular in making payments and maintaining a sufficient balance. However, we noticed a debit of Rs. 12,000 under the description of Other Charges on our account. We were not informed about any such charges and request you to provide us with a breakdown ... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a Letter of Credit (LC) facility of Rs. 50 lakhs in June 2023. The LC was opened for a period of 3 months and we were charged an interest rate of 10% as per the agreement. However, we noticed a higher interest rate being applied and the LC was extended to 4 months without our consent. Kindly review ... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We maintain a Cash Credit (CC) account with your bank and have always received excellent service. However, we were surprised to see a debit of Rs. 5,000 on our account under the description of Insurance Charges. We were not informed about any such charges and kindly provide us with the details of this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a Term Loan of Rs. 1.5 crores in September 2022 and the loan was sanctioned for a period of 5 years with an interest rate of 12%. However, we noticed a higher interest rate being applied and the repayment tenure was extended to 6 years. Kindly review this matter and provide us with the revised loan ... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company maintains an SME Loan account with our esteemed bank. Recently, we have noticed a discrepancy in the charges applied to our loan. We have been charged a documentation fee of Rs. 10,000, despite not availing any services that would warrant such a fee. Kindly provide an explanation for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We maintain an SME Advance account with your bank and have noticed a debit of Rs. 50,000 on 05/09/2023. The description mentions Penal Interest Charges. We have not been informed of any changes to the interest rate and have always maintained timely repayments. Please provide clarification on this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
As per the terms and conditions of our SME Loan account, we are entitled to a grace period of 15 days for loan repayments. However, we have been charged a late fee of Rs. 5,000 for a delay of only 5 days. Kindly review this charge and adjust it accordingly. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company maintains an SME Term Loan account with your bank. As per the loan agreement, we are entitled to a fixed interest rate of 12%. However, we have noticed multiple fluctuations in the interest rate, resulting in higher than expected interest charges. Kindly investigate this matter and provide a resolution. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We are in receipt of our latest SME Loan account statement and have noticed an unexpected charge of Rs. 7,500 under the description Processing Fee. As per the loan agreement, we are not liable for any processing fees. Kindly revise this charge and adjust our statement accordingly. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a CC Limit account with your bank in May, 2022. As per the loan agreement, there are no charges applicable for maintaining the account. However, we have been charged Rs. 2,000 as an Annual Maintenance Fee. Request you to please provide an explanation for this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been maintaining an SME Advance account with your bank for the past 5 years. During this time, we have always been charged a 0.5% processing fee on the sanctioned amount. However, in our latest statement, we have noticed a processing fee of 1%. Kindly review this charge and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company recently availed an SME Term Loan of Rs. 25,00,000 in June, 2023. As per the loan agreement, we are entitled to a fixed interest rate of 10%. However, we have noticed a higher interest rate of 12% being applied to our loan. Kindly provide an explanation for this discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been maintaining an SME Overdraft account with your bank for the past 2 years. However, we have noticed an unexpected charge of Rs. 5,000 under the description Documentation Charges. We have not been informed of any changes to the charges applicable to our account. Kindly review this charge and adjust our state... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company maintains an SME Term Loan account with your bank. We have noticed an unexpected charge of Rs. 10,000 under the description Prepayment Charges. As per the loan agreement, we are not liable for any prepayment fees. Kindly revise this charge and provide an updated statement. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
As per the terms and conditions of our SME Advance account, we are entitled to a quarterly interest rate reset. However, we have noticed a reset after only 2 months, resulting in higher interest charges. Please provide an explanation for this early interest reset. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We availed a Term Loan of Rs. 50,00,000 with your bank in March, 2023. As per the loan agreement, we are entitled to an annual interest rate of 12%. However, in our latest statement, we have noticed an interest rate of 14%. Kindly provide an explanation for this change. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has been maintaining an SME Overdraft account with your bank for the past 3 years. However, in our latest statement, we have noticed an unexpected charge of Rs. 15,000 under the description Extension of Collateral Security Charges. We have not requested any changes to the collateral security and were not in... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We maintain an SME Term Loan account with your bank and have always been charged a processing fee of 0.5% on the sanctioned amount. However, in our latest statement, we have noticed a processing fee of 1%. Kindly provide clarification on this sudden increase in the processing fee. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our business took a loan of Rs. 10 Lakhs under the SIDBI scheme in August 2022. However, we have been charged a processing fee of Rs. 7500 on a regular basis, despite no mention of this in the agreement. Please explain this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We noticed a debit of Rs. 21,500 on our Cash Credit (CC) account on 10/03/2023. The description states Documentation Charges. We were not informed about any such charges and would appreciate clarification on this. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our firm has been paying a monthly interest rate of 12% on our SME Term Loan since December 2023. However, upon checking our statements, we noticed that the interest rate has been increased to 14% without any prior notification. Kindly look into this and provide necessary details. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been regularly paying the interest on our Term Loan of Rs. 5 Lakhs availed in September 2022. However, we have noticed an additional charge of Rs. 3250 labeled as Penal Interest for the past three months. Can you explain the reason for this charge and rectify it? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We were charged a processing fee of Rs. 5000 for availing a Cash Credit (CC) facility of Rs. 7.5 Lakhs. However, the loan agreement clearly stated that no such fees would be applicable. Kindly reverse this charge and provide an explanation for the discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company had availed a Term Loan of Rs. 15 Lakhs in April 2022. However, we have been receiving notices for nonpayment of the processing fee of Rs. 6000. We have already paid this fee as per the loan agreement. Can you please check and confirm the same? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been regularly paying the interest on our SME Term Loan for the past 2 years. However, we noticed a sudden increase in the interest rate from 11% to 13% in the last months statement. Can you please clarify the reason for this and provide a detailed breakdown of the charges? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our firm has been maintaining a Cash Credit (CC) account with your bank for the past 5 years. However, we have been charged a renewal fee of Rs. 3000 for the current year, despite no such charge in the previous years. Can you explain this discrepancy? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We received a notice for nonpayment of our Term Loan EMI for the month of March 2024. However, we have been regularly paying the EMIs on time every month. Kindly look into this matter and provide an explanation for the notice. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
As per our loan agreement, the interest rate on our Working Capital Demand Loan was fixed at 11%. However, we noticed a sudden increase in the interest rate to 13% in the last months statement. Can you please investigate this matter and provide a detailed explanation? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company received a loan of Rs. 25 Lakhs under the StandUp India scheme in May 2022. We were not informed about any processing fee for this loan. However, we noticed a charge of Rs. 10,000 labeled as Processing Fee in our statement. Please clarify this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been charged a late payment fee of Rs. 5000 for our SME Term Loan. However, we have always paid the EMIs on time. Please explain the reason for this charge and reverse it. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We took a Term Loan of Rs. 10 Lakhs in January 2023. However, we noticed a charge of Rs. 2500 labeled as Documentation Charges in our statement for the month of May 2024. Can you please provide an explanation for this charge? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has been availing Cash Credit (CC) facility from your bank for the past 7 years. However, we have been charged a processing fee of Rs. 9000 for the current year. As per our agreement, no such charges were applicable. Kindly look into this and provide necessary details. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have been regularly paying the EMIs for our Term Loan of Rs. 12 Lakhs for the past 3 years. However, we noticed a sudden increase in the EMI amount for the month of April 2024. Can you check and clarify the reason for this increase? | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our firm maintains a Cash Credit (CC) account with your bank. However, we have been charged a quarterly maintenance fee of Rs. 3000, despite no such charge mentioned in the agreement. Please investigate and reverse this charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
According to our loan agreement, the processing fee for our SME Advance loan is supposed to be a onetime charge of 1% of the loan amount. However, we are noticing that a processing fee of Rs. 45000 is being debited from our account every month. Please clarify the reason for this discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have a term loan with your bank that was sanctioned in April 2023. As per our agreement, the interest rate was fixed at 9% per annum. However, we have been charged interest at a rate of 12% for the past six months. Kindly investigate and correct this error. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company recently availed an SME Advance loan of Rs. 50 lakhs from your bank. However, we are noticing that a documentation charge of Rs. 10,000 is being debited from our account every month. As per our agreement, the documentation charge is a onetime fee. Please explain why it is being charged every month. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have an Overdraft (OD) account with your bank that was opened in September 2023. We have been charged a penalty interest of Rs. 2500 every month since then. However, we have never exceeded the sanctioned limit. Kindly review this matter and reverse the charges. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a Working Capital loan from your bank in October 2022. As per our agreement, the interest rate was fixed at 11%. However, we have been charged interest at a rate of 13% for the past eight months. Please investigate and rectify this discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have noticed that our SME Advance loan account has been debited with an Excess Debit Charges of Rs. 7500 on 10/05/2024. We have always maintained sufficient balance in our account and have not made any excess withdrawals. Kindly look into this matter and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
According to our SME Advance loan agreement, we were supposed to pay a documentation charge of Rs. 25,000 at the time of loan disbursement. However, we have been charged Rs. 25,000 every month for the past six months. Please investigate and correct this error. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have an Overdraft (OD) account with your bank which was renewed in January 2024. On checking our account statement, we noticed that an interest charge of Rs. 15000 has been debited twice on the same date. Kindly reverse the excess charge of Rs. 15000. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed an SME Advance loan of Rs. 1 crore in June 2022. As per our agreement, a processing fee of 1% of the loan amount was to be charged. However, we have been charged a processing fee of Rs. 1,25,000 every month for the past two months. Please clarify the reason for this. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have noticed that our SME Advance loan account has been debited with a Penal Interest charge of Rs. 5000 on 05/08/2024. As per our agreement, there is no provision for charging penal interest. Please rectify this error and reverse the charge. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
According to our loan agreement, the documentation fee for our SME Advance loan was a onetime charge of Rs. 20,000. However, our account has been debited with a documentation charge of Rs. 20,000 every month for the past three months. Kindly look into this discrepancy. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have an Overdraft (OD) account with your bank that was opened in May 2023. Since then, we have been charged a Service Charge of Rs. 1000 every month. As per our agreement, there is no mention of any service charges. Please clarify why this charge is being debited from our account. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a Term Loan of Rs. 75 lakhs in December 2022. However, we have noticed that our account has been debited with a Service Charge of Rs. 5000 every month for the past one year. As per our loan agreement, there is no provision for charging a service charge. Please investigate and rectify this. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have a Working Capital loan account with your bank which was opened in October 2023. We have been charged a documentation fee of Rs. 10,000 every month since then. As per our agreement, the documentation fee is a onetime charge. Please explain why it is being charged every month. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company availed a CC Limit Account of Rs. 50 lakhs in November 2022. However, we have been charged a processing fee of Rs. 1,00,000 every month since then. As per our agreement, the processing fee was a onetime charge. Please look into this discrepancy and provide an explanation. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
We have availed a Cash Credit account of Rs. 50 Lakhs with your esteemed bank for our companys working capital needs. We have noticed a discrepancy in charges debited to our account on a monthly basis without any explanation. Kindly clarify the reason for these charges and reverse them. | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company maintains an Overdraft facility with your bank against our fixed deposit. We were surprised to see a debit of Rs. 10,000 on our account towards Service Charges without any prior intimation. As per our agreement, there are no charges associated with this facility. Please provide an explanation for this charg... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company, M/s. XYZ Pvt. Ltd., has availed a Term Loan of Rs. 1 crore from your bank to expand our business operations. We have been regularly paying the interest as per the agreed terms. However, we recently noticed that you have levied a Documentation Charges of Rs. 50,000 without any prior intimation. Kindly provi... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
Our company has taken a Working Capital Term Loan of Rs. 2 crores from your bank to meet our short term financial requirements. As per the agreement, the interest rate was fixed at 10% per annum. However, we have noticed a discrepancy in the interest rate calculation resulting in a higher interest amount being debited ... | LOANS & ADVANCES-SME ADVANCES-Discrepancy in Charges (Processing Fee/Documentation charges, Inspection charges, etc) |
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