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Interest Rate and Schedule of Charges

Interest Rate and Schedule of Charges

Name of Charges Amt or Percentage Terms
Profectus Prime Lending Rate (PPLR) The Board approved prime lending rate for Profectus Capital Private Limited is 14.50%
with effect from May 3, 2018.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.
Cheque / NACH Bounce Charges Rs. 1050 (Incl of Tax)
Additional Interest on delayed payment 15% per annum on unpaid amount
Cheque Swapping Charges Rs 750 per swap (Incl of Tax)
Prepayment Charges 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

(Excl of Tax)

Part Prepayment Charges Upto 25% of current POS : 2%
(Excl of Tax)
Loan cancellation charges
(customer induced request)
Rs 2000 (Incl of Tax)
Loan reschedulement charges 3% of POS (Excl of Tax)
Loan Statement charges ( per statement) Nil for every financial year, Rs 500/- for second time onwards (Incl of Tax)
Duplicate NDC / NOC Issuance charges Rs 500 (Incl of Tax)
Copy of Documents Rs 500 (Incl of Tax)

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