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Gold Loan Fees and Charges

The interest rates at IDFC FIRST Bank are regularly updated depending on market conditions. Refer to the table below to know our current loan rates.

Refer the table below to know applicable Schedule of Charges:

Description	Charges	GST
Processing Fees	Up to 1% of the Loan Amount	Yes
Bounce Charges	₹500/-	Yes
Part-payment charges	2% of Part Payment amount if payment is made within 180 days of date of disbursement	Yes
Foreclosure charges	2% of principal outstanding amount if loan is closed within 180 days of date of disbursement	Yes
Stamp duty Charges	As per state norms	No
Gold Valuation Charges	Valuation Charges per case is Rs 550/-	Yes
Late Payment Charges	During tenure: 2% per month on overdue amount or ₹300, whichever is higher	Yes

The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.

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