Interest Rate and Schedule of Charges
Name of Charges | Amount/ Percentage of charges |
|---|---|
| Profectus Prime Lending Rate (PPLR) | The Board approved prime lending rate for Profectus Capital Private Limited is 16.05% with effect from October 1, 2024. The rate of interest for all the loans offered by PCPL will be PPLR +/- spread. Profectus Capital follows Risk Based Pricing approach that entails pricing each loan after weighing-in all risks and their corresponding mitigants. |
| Processing Fee (GST applicable) | Up to 3% of total amount of loan |
| Stamp duty (GST applicable) | Actuals |
| Technical Valuation Charges (GST applicable) | Actuals |
| Legal search charges (GST applicable) | Actuals |
| Cheque / NACH Bounce Charges | Rs. 1,050 for each bounce |
| Delayed Payment Charges | @ 24% per annum on unpaid dues/instalments for the period said amount remains overdue |
Default Charges (Non-Payment Default) | @ 2 % per annum on principal outstanding till the fulfilment/compliance of sanctioned / disbursement condition |
| Cheque Swapping Charges (GST applicable) | Rs 750 per swap (Exclusive of Tax) |
| Prepayment Charges (GST applicable) | For School Funding Program (SFP), Machinery & Equipment Funding and Enterprise Mortgage Loan. Pre-closure charges applicable based on period of pre-closure of account from the date of disbursement, as under:
For Supply Chain Product:
For Machinery & Equipment Funding under SME Super product 5% Flat FC charges for entire loan tenure. (the aforesaid charges are exclusive of taxes and subject to the terms and conditions more particularly described in the respective loan documents) |
| Part Pre Payment Charges (GST applicable) | A prepayment charges of 2% will be levied on any prepayment made. The maximum prepayment allowed in a year is 25% of the outstanding principal loan amount |
| Loan cancellation charges (GST applicable) | Rs.10,000 (Exclusive of Tax) |
| Certified copy of loan Statement (per loan) (GST applicable) | The statement is free of charge once per financial year, and thereafter, it will incur a fee of Rs 500 for each subsequent instance, exclusive of tax. |
| Duplicate NDC / NOC Issuance charges (GST applicable) | Rs.500 (Exclusive of Tax) |
| Copy of Loan Documents (GST applicable) | Rs.500 (Exclusive of Tax) |
| Foreclosure Statement Issuance Charges (GST applicable) | Rs 500 (Exclusive of Tax) |
| Revalidation of disbursement cheque charges (GST applicable) | Rs. 500 (Exclusive of Tax) |
| Collateral / Assets Inspection Charges (GST applicable) | Rs. 3000/- per visit (Exclusive of tax) |
| Annual Due Diligence Charges for NBFC Finance (GST applicable) | Rs. 10,000/- if facilities tenure is more than 18 months. |
| Collection/Legal Attorney/ Repossession & Incidental charges (GST applicable) | Actuals |
*All above charges will be at a sole discretion of the company
Schedule of Charges effective from January 1, 2026
| Description | Amount/ Percentage of charges |
|---|---|
| Profectus Prime Lending Rate (PPLR) | The Board approved prime lending rate for Profectus Capital Private Limited is 16.05% with effect from October 1, 2024. The rate of interest for all the loans offered by PCPL will be PPLR +/- spread. Profectus Capital follows Risk Based Pricing approach that entails pricing each loan after weighing-in all risks and their corresponding mitigants. |
| Processing Fee | Upto 3% of total amount of loan |
| Stamp duty | Actuals |
| Technical Valuation Charges (to be collected upfront) | Actuals |
| Legal search charges (to be collected upfront) | Actuals |
| Cheque / NACH Bounce Charges | Rs. 1,050.00 for each bounce |
| Delayed Payment Charges | @ 24% per annum (Exclusive of Tax) on unpaid dues/installments for the period said amount remains overdue |
| Penal Charges for Breach Material Covenants | @ 2% per annum (Exclusive of Tax) on principal outstanding till the fulfilment/compliance of sanctioned / disbursement condition. |
| Cheque Swapping Charges | Rs 750.00 per swap (Exclusive of Tax) |
| Prepayment Charges (GST applicable) | Pre-payment charges applicable based on the Principal outstanding, as under: For Machinery & Equipment Funding and Enterprise Mortgage Loan: For School Funding Program (SFP): For Supply Chain Product: For Machinery funding under SME Super product 5% Flat FC charges for entire loan tenure. (the aforesaid charges are exclusive of taxes and subject to the terms and conditions more particularly described in the respective loan documents) |
| Part Pre Payment Charges (GST applicable) | A prepayment charges of 2% will be levied on any part prepayment made subject to extant applicable RBI Directions |
| Loan cancellation charges | Rs 10,000.00 (Exclusive of Tax) |
| Certified Loan Statement (per loan) | No charge for first time in a financial year, for second time onwards Rs 500.00 (Exclusive of Tax) |
| Duplicate NDC / NOC Issuance charges | Rs 500.00 (Exclusive of Tax) |
| Copy of Loan Documents (GST applicable) | Rs 500.00 (Exclusive of Tax) |
| Foreclosure Statement Issuance Charges (GST applicable) | Rs 500.00 (Exclusive of Tax) |
| Revalidation of disbursement cheque charges (GST applicable) | Rs 500.00 (Exclusive of Tax) |
| Collateral / Assets Inspection Charges (GST applicable) | Rs 3,000.00 per visit (Exclusive of Tax) |
| Annual Due Diligence Charges for NBFC Finance (GST applicable) | Rs. 10,000.00 if facilities tenure is more than 18 months. |
| Collection/Legal Attorney/ Repossession & Incidental charges (GST applicable) | Actuals |
| Description | Amount/ Percentage of charges |
|---|---|
| Profectus Prime Lending Rate (PPLR) | The Board approved prime lending rate for Profectus Capital Private Limited is 16.05% with effect from October 1, 2024. The rate of interest for all the loans offered by PCPL will be PPLR +/- spread. Profectus Capital follows Risk Based Pricing approach that entails pricing each loan after weighing-in all risks and their corresponding mitigants. |
| Processing Fee | Upto 3% of total amount of loan |
| Stamp duty | Actuals |
| Technical Valuation Charges (to be collected upfront) | Actuals |
| Legal search charges (to be collected upfront) | Actuals |
| Cheque / NACH Bounce Charges | Rs. 1,050.00 for each bounce |
| Delayed Payment Charges | @ 24% per annum (Exclusive of Tax) on unpaid dues/instalments for the period said amount remains overdue |
| Penal Charges for Breach Material Covenants | @ 2 % per annum (Exclusive of Tax) on principal outstanding till the fulfilment/compliance of sanctioned / disbursement condition. |
| Cheque Swapping Charges | Rs 750.00 per swap (Exclusive of Tax) |
| Prepayment Charges (GST applicable) | Pre-payment charges applicable based on the Principal outstanding, as under: For Machinery & Equipment Funding and Enterprise Mortgage Loan.: i) 5% within 12 months of disbursement, ii) 4% 13 to 24 months of disbursement, iii) 3% 25 to 36 months of disbursement iv) 2% >36 months of disbursement For School Funding Program (SFP): 6% of Principal outstanding for loan foreclosed within 12 months of loan disbursal date 4% of Principal outstanding for loan foreclosed after 12 months of loan disbursal date For Supply Chain Product: i) 5% within 6 months of disbursement and ii) 4% after 6 months of disbursement For Machinery funding under SME Super product 5% Flat FC charges for entire loan tenure. (the aforesaid charges are exclusive of taxes and subject to the terms and conditions more particularly described in the respective loan documents) |
| Part Pre Payment Charges (GST applicable) | A prepayment charges of 2% will be levied on any part prepayment made subject to extant applicable RBI Directions |
| Loan cancellation charges | Rs 10,000.00 (Exclusive of Tax) |
| Certified Loan Statement (per loan) | No charge for first time in a financial year, for second time onwards Rs 500.00 (Exclusive of Tax) |
| Duplicate NDC / NOC Issuance charges | Rs 500.00 (Exclusive of Tax) |
| Copy of Loan Documents (GST applicable) | Rs 500.00 (Exclusive of Tax) |
| Foreclosure Statement Issuance Charges (GST applicable) | Rs 500.00 (Exclusive of Tax) |
| Revalidation of disbursement cheque charges (GST applicable) | Rs 500.00 (Exclusive of Tax) |
| Collateral / Assets Inspection Charges (GST applicable) | Rs 3,000.00 per visit (Exclusive of Tax) |
| Annual Due Diligence Charges for NBFC Finance (GST applicable) | Rs. 10,000.00 if facilities tenure is more than 18 months. |
| Collection/Legal Attorney/ Repossession & Incidental charges (GST applicable) | Actuals |
*All above charges will be at a sole discretion of the Company
