Fee Structure

Home Fee Structure

IU Services and Fee Structure with effect from October 01, 2019

Company and LLPs (Including additional service of DDE)
Other Commercial Entities (Including additional service of DDE)
Individuals data submission
1. Without DDE services
2. Including DDE services
Operational contracts (through DDE)
Operational Creditor Services
Insolvency Professional Services
Homebuyer Services

Company and LLPs

1. Company and LLPs
1) Acceptance of Financial Information from Financial Creditors pertaining to Company or LLP through option a) or b) a) Existing method of upload	Type of Service	Fee per loan/debt record of a borrower for first year	Annual Renewal Fee per loan/debt record of a borrower	Remarks
	I. Submission of Data Updation through the year (unlimited) Any time Default filing Error Marking Default Broadcast under Regulation 21 Filing of Closure of Loan/Debt	1st Loan/Debt Record — Rs. 300/- 2nd to 10th Loan/Debt record — Rs. 100/- each 11th Loan/Debt record onwards — Rs. 50/- each	1st Loan/debt Record — Rs. 250/- 2nd to 10th Loan/debt record– Rs. 100/- each 11th Loan/debt Record onwards — Rs. 50/- each	To be paid by submitter
	II Submission of Document	For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	Nil	To be paid by submitter
b) New service of Digital Document Execution	Digital Document Execution with auto-submission of data using digital signature and e-stamping where applicable Updation through the year (unlimited) Any time Default filing Error Marking Default Broadcast under Regulation 21 Filing of Closure of Loan/Debt	1st Loan/Debt Record — Rs. 300/- 2nd to 10th Loan/Debt record — Rs. 100/- each 11th Loan/Debt record onwards — Rs. 50/- each For documents stored in IU- Rs. 12/- per MB or part thereof, as a one- time Fee	1st Loan/debt Record — Rs. 250/- 2nd to 10th Loan/debt record– Rs. 100/- each 11th Loan/debt Record onwards — Rs. 50/- each	To be paid by submitter Stamp Duty, if any, to be payable by the Submitter Expenses related to despatch of Stamp Receipt copy is Free
2) Reports	Record of Default Credit Facility Report Authentication Status Report Debt Query Entity Search Facility	Free	Free
3) User Management	Creation of number of users	Free	Free
4) Statement	One annual Statement	Free	Free

Other Commercial Entities

2. Other Commercial Entities
1) Acceptance of Financial Information from Financial Creditors pertaining to Other Commercial Entities (Partnership & Proprietorship firms, Sahakari Samiti/HUF/ Trust/AOP/Club/Society, etc.,)through option a) or b) a) Existing method of upload	Type of Service	Fee per loan/debt record of a borrower for first year	Annual Renewal Fee per loan/debt record of a borrower	Remarks
	I. Submission of Data Updation through the year (unlimited) Any time Default filing Error Marking Default Broadcast under Regulation 21 Filing of Closure of Loan/Debt	1st Loan/Debt Record — Rs. 150/- 2nd Loan/Debt record onwards — Rs. 50/- each	1st Loan/debt Record — Rs. 125/- 2nd Loan/Debt record onwards — Rs. 50/- each	To be paid by submitter
	II Submission of Document	For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	Nil	To be paid by submitter
b) New service of Digital Document Execution	Digital Document Execution with auto-submission of data using digital signature and e-stamping where applicable Updation through the year (unlimited) Any time Default filing Error Marking Default Broadcast under Regulation 21 Filing of Closure of Loan/Debt	1st Loan/Debt Record — Rs. 150/- 2nd Loan/Debt record onwards — Rs. 50/- each In case there is more than one borrower – Rs. 10/- per signature In case there is more than one document – Rs. 10/- per signature For documents stored in IU- Rs. 12/- per MB or part thereof, as a one- time Fee	1st Loan/debt Record — Rs. 125/- 2nd Loan/Debt record onwards — Rs. 50/- each	To be paid by submitter Stamp Duty, if any, is payable by the Submitter/party to contract Expenses related to despatch of Stamp Receipt copy* to Lender – Rs. 25/- + taxes
2) Reports	Credit Facility Report Authentication Status Report Debt Query Entity Search Facility	Free	Free
2) Reports	Record of Default	Rs. 25/- per download	–	To be paid by the user
3) User Management	Creation of number of users	Rs.25/ for second user onwards for debtor (or other party)	–	To be paid by the user
4) Statement	One annual Statement	Free	–

Individuals (Data submission without Digital Document Execution)

3.1 Individuals (Data submission without Digital Document Execution)
1) Acceptance of Financial Information from Financial Creditors pertaining to Individuals a) UNSECURED– Consolidated services related to	Type of Services	Fee Details	Additional Fee	Remarks
	Submission of Data in IU Submission of Loan Data and registration of debt and debtor Annual Updation (within one month from year of upload or Updation, till closure of loan/debt) Filing of closure of loan/debt Anytime Default Filing Default broadcast	Rs.25/- per loan account as a one-time charge.	—	To be paid by submitter
	Submission of Document	For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	Nil	To be paid by submitter
b) SECURED — Consolidated services related	Submission of Data in IU Submission of Loan Data and registration of debt and debtor Annual Updation (within one month from anniversary of upload or Updation, as the case may be, till closure of loan/debt) Filing of closure of loan/debt Anytime Default Filing Default broadcast	Rs.50/- per loan account as a one-timecharge.	Rs. 10/- for annual Updation after completion of period of 5 years from the date of submission	To be paid by submitter
	Submission of Document	For documents stored in IU – Rs. 12/- per MB or part thereof, as a one-time Fee	Nil	To be paid by submitter

NEW SERVICE Individuals (Data submission with Digital Document Execution)

3.2 NEW SERVICE Individuals (Data submission with Digital Document Execution)
2) Acceptance of Financial Information from Financial Creditors pertaining to Individuals through Digital Document Execution (DDE)	Type of Services	Fee Details for digital execution	Additional Fee	Remarks
	DDE WITHOUT E-STAMP DDE using digital signature and auto-submission of data to IU Digital Execution of document including upload of data to IU registration of debt and debtor on IU without e-stamping of document Annual Updation (within one month from anniversary of upload or Updation, as the case may be) Filing of closure of loan/debt Any time default filing Default broadcast	Upto 3 year period – ONE-TIME of Rs. 25/- per loan/debt record for a borrower and for one document When loan period is greater than 3 years – Rs 10 for each additional year in loan tenor, or part thereof.	In case there is more than one borrower – Rs. 5/- per signature In case there is more than one document – Rs. 5/- per signature For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	To be paid by submitter Illustration 1: Without Stamp Duty Unsecured Debt, Loan Period of 40 months and 2 documents are executed by a single borrower, then fee will be : Rs 25 + Rs 10 (one year more than base period of 3 years) + Rs 5 (for signature on 2nd document) = Rs 40
	DDE WITH E-STAMP DDE using digital signature and e-stamping and auto-submission of data to IU Digital Execution of document including upload of data to IU registration of debt and debtor on IU With e-stamping of document – printing and collection of physical Stamp Receipt copy Annual Updation (within one month from anniversary of upload or Updation, as the case may be) Filing of closure of loan/debt Any time default filing Default broadcast	Upto 3 year period – ONE-TIME of Rs. 25/- per loan/debt record for a borrower and for one document When loan period is greater than 3 years – Rs 10 for each additional year in loan tenor, or part thereof (collected at time of execution).	Rs 10/- per transaction of e-stamping In case there is more than one borrower – Rs. 5/- per signature In case there is more than one document – Rs. 5/- per signature Expenses related to despatch of Stamp Receipt copy will be at Rs. 25/-+ taxes* Stamp Duty, if any, to be payable by the Submitter/party to contract For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	To be paid by submitter Illustration 2: With Stamp Duty Secured Debt, Loan period of 72 months and 3 documents are executed by a borrower and co-obligant, then fee will be: Rs 25 + Rs 30 (3 years more than base period of 3 years) + Rs 10 (2 additional signatures for first borrower) + Rs 15 (3 additional signatures for co-obligant) + Rs 30 (Rs 10 each as transaction cost for e-stamping of 3 documents)= Rs 110
3) Reports	Credit Facilities Report, Authentication Track Record, Debtor Query Yes/No Record of Default	Rs 10/- for download of each report	Nil	To be paid by Debtor/ Borrower as User
4) User Management	Creation of user	Rs. 25/- from 2nd user onwards	Nil	To be paid by Debtor/ Borrower as User
5) Statement	One annual Statement	Free

NEW SERVICE Operational contracts created through Digital Document Execution

4.NEW SERVICE Operational contracts created through Digital Document Execution
Acceptance of Financial Information from Operational Creditors through Digital Document Execution (DDE)	Type of Services	Fee Details for digital execution	Additional Fee	Remarks
	DDE WITH or WITHOUT E-STAMPProtection of Contract of goods or services or debt when Operational Creditor is a company or LLP and uploads document for execution on IU platform.	ONE-TIME Rs. 300/-	Expenses related to despatch of Stamp Receipt copy* will be Free within India Stamp Duty, if any, to be payable by the Submitter/party to contract. For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	To be paid by submitter.
	DDE WITH or WITHOUT E-STAMPProtection of Contract of goods or services or debt when Operational Creditor in all other cases (not a company or LLP) and uploads document for execution on IU platform.	ONE-TIME Rs. 150/-	Expenses related to despatch of Stamp Receipt copy* will be Free within India Stamp Duty, if any, to be payable by the Submitter/party to contract For documents stored in IU- Rs. 12/- per MB or part thereof, as a one-time Fee	To be paid by submitter.

Operational Creditor Services

5.Operational Creditor Services
	Type of Service	Fee details	Remarks
a) Submission	Submission of Financial Information/ Invoices	Rs. 200/- per submission	To be paid by submitter
	Document Submission	Rs. 12/- per MB or part thereof	Document means — Purchase Or Service Order, Demand Notice, Invoice, Lorry Receipt, Transport Receipt, GRN, Debit Note, Delivery Receipt etc., and any other support doc.
	Generation of Electronic Demand Notice for unpaid invoice through IU (Demand Notice as per Form 3 or 4 of AA Rules)	Rs 100/- per Demand notice	To be paid by submitter
b) Reports	• Record of Default	Free
	• Annual Statement	Free
	• Other Reports	Free

Insolvency Professional Services

6.Insolvency Professional Services
	Type of Services	Fee Details	Remarks
a) Direct Storage of Data by IP without IP module	Assignment of debtor Access to debtor information Uploading of documents	Storage charges – Rs.12/- per MB or part thereof for period prescribed in Regulations	To be paid by IP upfront for prescribed period
b) Reports	Record of Default Other Reports	Free Free

Homebuyer Services

7.Homebuyer Services
a) Data Submission	Record of payment or advances for a home/property	Rs. 300/- per home/property record.	To be paid by submitter
b) Document Submission	Uploading of documents	Rs. 12/- per MB or part thereof as one time fee	To be paid by submitter
	Record of Default	Free

NEW SERVICE DEMAT Account Opening/Registration in IU

8. NEW SERVICE DEMAT Account Opening/Registration in IU
	Type of Services	Fee Details	Remarks
Demat Account Opening	Account Opening and registration on IU through the use of digital signature by customer	Actuals based on volume of transactions and NO charge for registration	Customization will be charged basis the effort Taxes as applicable To be Paid by submitter

Note:

GST and other taxes as applicable will be levied over and above the fee indicated, which will be charged upon submission
Classification: What is a Company/ Other Commercial entity/ Individual?
• Company is defined as entity incorporated under the Companies Act or any regulated financial creditor for the purpose of Registration
• Other Commercial entity covers partnership, proprietorship, a society, a trust, club, Association of Persons or borrowing categorized for
business purpose
• Individuals are persons that borrow for individual need of housing, vehicle, personal, educational or other loans to individuals.
• For the purpose of chargeability of fee for Financial Creditor Service, borrower classification as per PAN of the primary borrower will apply.
The meaning of “Year”:
• “Year” means anniversary period from the date of submission of each loan record identified by a Unique Debt Identifier (UDI).
For example, if a loan record of a borrower is submitted on 15th of June, 2018, the fee charged for submission will cover each year period upto
14th June, 2019. Renewal fee will apply from 15th June, 2019 and so on.
• Document charges will follow the same year definition that applies to its corresponding loan record, which has been uploaded.
This fee structure is not applicable to Loans and advances by Micro Finance Institutions for whom the fee structure will be published separately
Increase in Esign charges will be passed on to the submitter/User as per changes made by the E-sign service provider.
Fee mentioned does not cover Stamp Duty fee (where applicable) which will be the actuals to be paid by the user
The revised Annual Renewal fee will apply to all loan records of company/ LLP held in IU, wherever applicable.
Documents to be executed can be Agreement (s), Loan Sanction Memorandum, Promissory Note, ECS / e-NACH / Salary Deduction Mandate.
IU will store the audit trail of the document execution and it is left to the choice of lender to store the digital doc with IU
* As and when the stamp duty rules get amended to permit fully demat Stamp Receipt copy, then print and despatch may not be required.
Customization charges will be Rs 7500/- per person-day

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