Fees and charges - Kotak Bank

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The applicable fees and charges for a student loan from HDFC Credila are as follows

Description of Services	Charges (in Indian Rupees)
Pre-payment Charges	Nil
No Objection Certificate (NOC)	Nil
Delayed Payment Charges*	@ 2% per month of instalment (MI/ PMII), plus applicable taxes thereon
Statutory CERSAI Charges	As per charges levied by CERSAI
Cheque or ACH Mandate or Direct Debit Swapping Charges*	Up to Rs. 500/- per swap instance, plus applicable taxes thereon
Cheque/ ACH/ Direct Debit Bouncing Charges*	Rs. 400/- per dishonour of cheque or ACH or Direct Debit return, per presentation plus applicable taxes thereon
Legal/ Incidental Charges	At actual
Stamp Duty and other Statutory charges	As per applicable laws of the state
Manual Collection Charges*	Rs. 200/- per visit, plus applicable taxes thereon
Charges for Updating & Handling Loan Account as per Customer Request*	Rs. 1,500/-, plus applicable taxes thereon
Origination Fee	1.5% plus taxes of the sanctioned amount (Non-refundable)