Bajaj Finserv Fees and Charges

Bajaj Finserv offers attractive interest rates on personal loans up to Rs. 40 lakh to help you meet a range of financial requirements. Get collateral-free loans with minimum documentation, flexible tenor and disbursal within 24 hours* of approval.

With Bajaj Finserv Personal Loan, you do not have to worry about any hidden fees or charges.

Here are more details on the personal loan interest rates and charges:

Type of fee	Applicable charges
Rate of interest	11% to 37% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Fee	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the Flexi charges above are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	In case of default of repayment instrument, Rs. 700 - Rs. 1,200/- per bounce will be levied.
Pre-payment charges	Full Prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. *Foreclosure will be processed post clearance of first EMI
Penal Interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of the monthly instalment.
Stamp duty	Payable as per state laws and deducted upfront from loan amount.
Mandate rejection charges	Rs. 450 per month from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Broken Period Interest/ Pre-EMI Interest	Broken period interest/ Pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: For Term Loan: Deducted from the loan disbursement For Flexi Term Loan: Added to the first instalment For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Switch fee	Up to 1.18% of the loan amount (inclusive of applicable taxes). Switch fee is applicable only in case of switch of loan. In switch cases, processing fees will not be applicable.

***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/website/app.

^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping.

+Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.)

*Terms and conditions apply

For Micro Finance Loans, please note below:
Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest, and average interest are 13%, 35%, and 34.45% per annum respectively.
Part pre-payment and Foreclosure charges are NIL.

Bajaj Finserv offers. the lowest rate of interest on business loan. Read more about our latest interest rate and fees and charges below.

Type of fee	Applicable charges
Rate of interest	9.75% - 25% per annum
Processing fee	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360/- (inclusive of applicable taxes)
Flexi fee	Term Loan - Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) • Up to Rs. 5,999/- (inclusive of applicable taxes) for loan amount less than Rs. 10,00,000/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for loan amount from Rs. 10,00,000/- to Rs. 14,99,999/- • Up to Rs. 12,999/- (inclusive of applicable taxes) for loan amount from Rs. 15,00,000/- to Rs. 24,99,999/- • Up to Rs. 15,999/- (inclusive of applicable taxes) for loan amount of Rs. 25,00,000/- and above The Flexi charges above will be deducted upfront from the loan amount Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment •Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. •Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. •Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment •Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. •Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 1.18% (inclusive of applicable taxes) of the total withdrawable amount during initial loan tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent loan tenure.
Bounce charges	In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount
Mandate rejection charges	Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: •For Term Loan: Deducted from the loan disbursement •For Flexi Term Loan: Added to the first instalment amount •For Flexi Hybrid Loan: Added to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Switch fee	Up to 1.18% of the loan amount (inclusive of applicable taxes) (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable)

*Switch Fee is applicable only in case of switch of loan. In switch cases, Processing Fees and Documentation Charges will not be applicable.

Types of fee	Applicable charges
Rate of interest	9% - 25% per annum
Processing fee	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes)
Flexi fee	Not applicable
Prepayment charges	Full prepayment (foreclosure) Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment Part prepayment Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi Note: If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part-prepayment charges.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial loan tenure. Not applicable during the subsequent loan tenure
Bounce charges	In case of default of repayment instrument, Rs. 1,500 per bounce will be levied
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment.
Stamp duty	Payable as per state laws
Mandate rejection charges	Rs. 450 per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: For Term Loan: Deducted from the loan disbursement For Flexi Term Loan: Added to the first instalment For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Mortgage origination fees	Up to Rs. 6,000 per property (inclusive of applicable taxes)
Property insight (if availed)	Rs. 6,999 (inclusive of applicable taxes)

Types of fees	Charges applicable
Rate of interest	Up to 15.00% per annum
Processing fee	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Prepayment charges	Full prepayment As per the agreed sanctioned terms of any facility : Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part prepayment Up to 4.72% (inclusive of applicable taxes) of the outstanding amount of Loan prepaid on the date of such part prepayment.
Bounce charges	In case of default of repayment instrument, Rs. 3,000/- per bounce will be levied.
Penal interest	For CL Cases - Delay in payment of instalment shall attract penal interest at the rate of up to 6% per annum over and above the normal interest rate. For example, if the normal interest rate is 15%, penalty interest rate would be 15% + 6% = 21% per annum on the instalment outstanding, from the respective due date until the date of receipt of such instalment. For LAS cases – Penalty interest up to 2% per month on the outstanding.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount
Other charges (Invoice audit charges, legal charges and other incidental charges, TSR/ Valuation/ CERSAI charges)	On actuals (transaction specific)
Discounting charges/ upfront interest / front ended interest	Up to 15% per annum.

Type of fee	Applicable charges
Rate of interest	Up to 35% per annum
Processing fee	Up to 12.95% of the loan amount (inclusive of applicable taxes)
Documentation and hypothecation charges	Up to Rs. 2,500/- (inclusive of applicable taxes) collected upfront
Stamp duty (as per respective state)	Payable as per state laws and collected upfront
Prepayment charges	Full prepayment Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment Part-prepayment Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment *Full/part-prepayment will be processed post clearance of the first EMI
Bounce charge	In case of default of repayment instrument, Rs. 531/- per bounce will be levied
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment
Mandate registration charge	Rs. 118 (inclusive of applicable taxes) if applicable.
Mandate rejection charge	Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Loan enhancement fee	Rs. 117/- (inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with first instalment
Legal, repossession and incidental charges	Rs. 3,540/- (inclusive of applicable taxes)
Stockyard charges	Rs. 59/- per day up to 60 days (Inclusive of applicable Taxes)
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by adding to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed
NOC KIT	NA
Fees for delay in RC hypothecation	Rs. 1500/- (inclusive of applicable charges) *This is a one-time charge levied if there is delay in receiving the RC beyond 120 days post disbursement

The below table lists the gold loan interest rate and charges applicable when you apply for a Bajaj Finserv Gold Loan

Type of fee	Applicable charges
Interest rate	9.50% to 28% per annum
Processing fees	0.12% of the loan amount (inclusive of applicable taxes). Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount
Cash handling charges	Rs. 50/- (inclusive of applicable taxes). Applicable for cash disbursement only.
Penal interest	3% per annum on Outstanding Balance Penal Interest margin/ rate will be over and above the interest rate slab mentioned above which shall be applicable/ chargeable in case of default in repayment of the outstanding dues post maturity.
Part-prepayment charges	NIL
Foreclosure charges	Minimum 7 days interest Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged.
Auction charges	Charge for physical notice – Rs. 40/- (inclusive of applicable taxes) per notice Recovery charges – Rs. 500/- (inclusive of applicable taxes) Advertisement fee – Rs. 200/- (inclusive of applicable taxes)

The interest rates applicable on gold loans are dynamic and frequently change due to external factors.

The following charges are applicable on loan against securities

Types of fees	Charges applicable
Interest rate	Up to 20% per annum
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes).
Prepayment charges	Full prepayment - Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part-prepayment - Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment
Annual maintenance charges/ renewal fee	Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount
Bounce charges	In case of default of repayment instrument, Rs. 1,200/- per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest up to 3% per month on the monthly instalment outstanding, from the respective due date until the date of receipt.
Stamp duty (as per respective state)	Payable as per state laws
Brokerage charges*	As applicable at actuals
DP charges**	As applicable at actuals
Pledge confirmation charges*	As applicable at actuals
Pledge invocation charges*	As applicable at actuals
Demat share transfer charges (post invocation)	As applicable at actuals
Legal charges	As applicable at actuals

*Charges levied by Broker to BFL and the same is being passed on to the clients

**Charges levied by NSDL/ CDSL to BFL and the same is being passed on to the clients

Bajaj Finserv offers attractive interest rates on loan against insurance policies ranging from Rs. 10,000 to Rs. 25 Cr.

Read more about the applicable interest rates, fees, and charges below.

Type of fee	Applicable charges
Rate of interest	Up to 20% p.a.
Processing fees	3% of the loan amount or maximum up to Rs. 1,00,000/- (inclusive of applicable taxes).
Flexi fee	Not applicable
Prepayment charges	Full prepayment - Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Part prepayment - Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment.
Renewal fees	Up to Rs. 2,950/- (inclusive of applicable taxes).
Bounce charges	In case of default of repayment instrument, Rs. 1200/- per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the respective due date until the date of receipt.
Stamp duty (as per respective state)	Payable as per state laws.
Mandate rejection charges	Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by adding to the first instalment amount. Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.







Legal charges	At actuals

The following charges are applicable on used car finance:

Type of fee	Applicable charges
Rate of interest	10.50% to 22% p.a.
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes).
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes).
Flexi fee	Term Loan – Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The charges above will be deducted upfront from the loan amount *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment (foreclosure) Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure, on the date of such full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment. Not applicable for Flexi variants
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.
Bounce charges	In case of default of repayment instrument, Rs. 1,500 per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the respective due date until the receipt of monthly instalment.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Legal and incidental charges	Actual legal and incidental charges under applicable laws
Repossession charges	Repossession charges at actuals with a maximum capping of Rs. 50,000 (inclusive of applicable taxes)
Auction charges	At actuals
Valuation charges	At actuals
Stockyard charges	Rs. 118 per day for 60 days (inclusive of applicable taxes)
Mandate rejection charge	Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Loan re-booking	Rs. 1,000 (inclusive of applicable taxes).
Loan cancellation charges	Rs. 2,360 (inclusive of applicable taxes) (Interest till cancellation to be borne by the customer).
NOC for interstate transfer	Rs. 1,180 (inclusive of applicable taxes).
NOC to convert from private to commercial	Rs. 3,540 (inclusive of applicable taxes).
Duplicate NOC	Rs. 500 (inclusive of applicable taxes).
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: For Term Loan: Added to the first instalment For Flexi Term Loan: Added to the first instalment For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Type of fee	Applicable charges
Rate of interest	7.50% to 14% p.a.
Processing fees	Up to 2.95% of the loan amount (inclusive of applicable taxes).
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes).
Flexi fee	Term Loan – Not applicable Flexi Loan variant (as applicable below) - will be deducted upfront from the loan amount Up to Rs. 999 (inclusive of applicable taxes) for a loan amount up to Rs. 9,99,999 Up to Rs. 1,499 (inclusive of applicable taxes) for a loan amount of Rs. 10,00,000 and above *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment (foreclosure) Term Loan – Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full prepayment Flexi Hybrid Loan/Flexi Term Loan – Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full prepayment. Part-prepayment Term Loan – Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Not applicable for Flexi Loan variants.
Annual maintenance charges	Term Loan - Not applicable Flexi Term Loan Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Bounce charges	In case of default of repayment instrument, Rs. 1,500 per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
Legal, and incidental charges	Actual legal and incidental charges under applicable laws.
Repossession charges	At actuals with a maximum capping of Rs. 50,000 (inclusive of applicable taxes)
Auction charges	At actuals
Valuation charges	At actuals
Stockyard charges	Rs. 118 per day for 60 days (inclusive of applicable taxes)
Mandate rejection charges	Rs. 450 per month from the first month of the due date for the mandate rejected by the customer’s bank until the new mandate is registered.
NOC for interstate transfer	Rs. 1,180 (inclusive of applicable taxes).
NOC to convert from private to commercial	Rs. 3,540 (inclusive of applicable taxes).
Duplicate NOC	Rs. 500 (inclusive of applicable taxes).
Other NOC	Rs. 1,180 (inclusive of applicable taxes).
Broken period interest/ pre-EMI interest	“Broken period interest/pre-EMI interest” shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged. In this scenario, broken period interest is recovered by the following method: For Term Loan, Flexi Term Loan, and Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Also Get a Bajaj Finserv CA Loan of up to Rs. 55 lakh with minimal documentation and flexible tenure to meet your financial requirements.

Types of fees	Charges applicable
Rate of interest	10% to 22% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes)
Flexi fee	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The Flexi charges above will be deducted upfront from the loan amount. Loan amount includes approved loan amount, insurance premium, VAS charges and documentation charges.
Prepayment charges	Full prepayment • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of such full prepayment. • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. Part prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.
Bounce charges	In case of default of repayment instrument, Rs. 1,500 per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
Mandate rejection service charges	Rs. 450 per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: • For Term Loan: Deducted from the loan disbursement • For Flexi Term Loan: Added to the first instalment • For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Switch fees	Up to 1.18% of the loan amount (inclusive of applicable taxes). (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable)

Type of fee	Applicable charges
Rate of interest (fresh loan)	Salaried	Self-employed	Doctors
	8.50%* to 14.00%* p.a	9.10%* to 15.00%* p.a.	8.60%* to 14.00%* p.a.
Rate of interest (balance transfer)	Salaried	Self-employed	Doctors
	8.50%* to 15.00%* p.a.	9.50%* to 15.00%* p.a.	8.80%* to 15.00%* p.a
Processing fee	Up to 7% of the loan amount
Bounce charge	In case of default of repayment instrument, the following charges per bounce will be applicable: •For loan amounts up to Rs. 15 lakhs: Rs. 500 •For loan amounts from Rs. 15,00,001 to Rs. 30,00,000: Rs. 1,000 •For loan amounts from Rs. 30,00,001 to Rs. 50,00,000: Rs. 1,500 •For loan amounts from Rs. 50,00,001 to Rs. 1,00,00,000: Rs. 2,000 •For loan amounts from Rs. 1,00,00,001 to Rs. 5,00,00,000: Rs. 3,000 •For loan amounts from Rs. 5,00,00,001 to Rs. 10,00,00,000: Rs. 5,000 •For loan amounts more than Rs. 10 crores: Rs. 10,000
Penal interest	24% per annum in addition to the applicable interest rate on the overdue amount
Secure fee	Up to Rs. 10,000 + GST as applicable
Interest and principal statement charges	NIL
Part-prepayment charges	NIL
Forclosure charges	NIL
Hard copy loan statement charges	Up to Rs. 500 per request + GST as applicable

Get a Bajaj Finserv Doctor Loan of up to Rs. 55 lakh and repay it easily over flexible tenures of up to 8 years.

Types of fees	Charges applicable
Rate of interest	10% to 22% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360/- (inclusive of applicable taxes)
Flexi fee	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The Flexi charges above will be deducted upfront from the loan amount. Loan amount includes approved loan amount, insurance premium, VAS charges and documentation charges.
Prepayment charges	Full prepayment • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of such full prepayment. • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. Part prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.
Bounce charges	In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
Mandate rejection service charges	Rs. 450 per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: • For Term Loan: Deducted from the loan disbursement • For Flexi Term Loan: Added to the first instalment • For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Switch fees	Up to 1.18% of the loan amount (inclusive of applicable taxes). (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable)

The following are the charges applicable on the Platinum Choice SuperCard:

Type of fee	Charges applicable
Joining fee	Rs. 499 + GST
Annual fee	Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000)
Add-on card fees	NIL
Cash payment at branches	Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022
Surcharge on purchase/ cancellation of railway tickets	IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)]
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^	1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher and it may vary from 1% to 2.5%
Reward redemption fees	A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply
Cash advance transaction fee	2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable)
Over-limit penalty^^	Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST
Finance charges (retail purchases and cash)	APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.)
Card replacement (Lost/ stolen/ reissue/ any other replacement)	NIL
Duplicate statement fee	NIL
Cheque return/ dishonour fee auto debit reversal-bank account out of funds	Rs. 500 + GST
Dynamic Currency Conversion Fee Markup +	3.5% of the transaction amount + GST
Merchant EMI transaction***	Rs. 199 + GST per merchant EMI transaction
Rental transactions	1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant

Late payment charges

Late payment fee
12.5% of the outstanding amount
Minimum Rs. 5	Maximum Rs. 1,300

All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.

*Refer to the IRCTC website for details.

^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100

***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app.

EMI transactions will not accrue base reward points

+ Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.)

Types of fees	Applicable charges
Rate of interest (floating rate of interest)	9% to 14% per annum
Processing fee	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360/- (inclusive of applicable taxes)
Flexi fee	Term Loan - Not applicable Flexi Variant - Not applicable
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi Note: If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part-prepayment charges.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during Initial loan tenure. Not applicable for subsequent loan tenure.
Bounce charges	In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied
Penal interest	Penal interest is applicable in the following scenarios: 1. Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. 2. Default of other condition(s): In case of breach of terms of the loan agreement and/ or sanction letter terms, including but not limited to non-submission of requisite documents to BFL, it shall attract penal interest at the rate of 1% per annum on the loan amount till the date of rectification of such default to the satisfaction of BFL. The effective date of levying of penal interest shall commence from the date of committing the default, unless otherwise communicated to the borrower(s) in writing before the penal interest is levied.
Stamp duty (as per respective state)	Payable as per state laws
Mandate rejection charges	Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Broken period interest/ pre-EMI interest	Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: For Term Loan: Deducted from the loan disbursement For QDP process and disbursement mode is cheque: Added to the first instalment For Flexi Term Loan: Added to the first instalment For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed.
Mortgage origination fees	Up to Rs. 6,000/- per property (inclusive of applicable taxes)
Property insight (if availed)	Rs. 6,999/- per property (inclusive of applicable taxes)

Bajaj Pay Wallet – Fees and Charges
Service	Charges (Rs.)
Account opening	Rs. 0
Load money	Charges (Rs.)
Through credit card	Up to 5% per transaction (inclusive of applicable taxes)
Through debit card	Up to 2% per transaction (inclusive of applicable taxes)
Through UPI	Up to 2% per transaction (inclusive of applicable taxes)
Through Net Banking	Up to 2% per transaction (inclusive of applicable taxes)
*Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time
Payment	Charges (Rs.)
Payment at merchant	Rs. 0
Payment to utility bill/ recharges/ DTH	Up to 2% per transaction (Inclusive of applicable taxes)
*Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time
Transfer	Charges (Rs.)
Bajaj Pay Wallet to wallet	Rs. 0
Bajaj Pay Wallet (full KYC only) to bank	Up to 5% per transaction (inclusive of applicable taxes)
*For failed transactions, total amount including charges except taxes are reversed.
*Additional cess will be applicable on all charges in accordance with the state specific laws.

FEES AND CHARGES
The following charges are applicable on Health EMI Network Card:
Type of fees	Charges applicable
Health EMI Card Network Card fee - Gold	Rs. 707/- (inclusive of applicable taxes)
Health EMI Card Network Card fee - Platinum	Rs. 999/-(inclusive of applicable taxes)
Corporate/ Hospital Health EMI Network Card Fee	Up to Rs. 599 (inclusive of applicable taxes)
Annual fee	Up to Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the Health EMI Network Card holders who have not availed any loan using the Health EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your Health EMI Network Card. For example, if the Health EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the Health EMI Network Card) the date for payment of the annual fee will be March 2020.
The following charges are applicable for availing loan limit through Health EMI Network Card:
Processing fee	Up to Rs. 1,017/- (inclusive of applicable taxes) collected upfront.
Bounce charges	In case of default of repayment instrument, Rs. 500/- per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the instalment outstanding, from the respective due date until the date of receipt of monthly instalment.
Mandate rejection charges	Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered.
Mandate registration charges	Rs. 118/- (inclusive of applicable taxes) if applicable.
Loan enhancement fees	Rs. 117/- (inclusive of applicable taxes) for temporary increase in Health EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment.
Convenience fee	Rs. 117/- (inclusive of applicable taxes) will be collected along with first instalment.
Full prepayment (foreclosure) charges	Nil, anytime post disbursal of loan.
Part prepayment charges	Nil, anytime post disbursal of loan.

Type of fees	Amount (Rs.)/ Percentage (%) and Description
Processing fee and upfront interest	Up to Rs. 5,000 (inclusive of applicable taxes) collected upfront
Bounce charge	In case of default of repayment instrument, Rs. 500 per bounce will be levied.
Penal interest	Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment.
Mandate registration charge	Rs. 118/- (inclusive of applicable taxes) if applicable.
Mandate rejection charge	Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered.
Loan enhancement fee	Rs. 117 (inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment.
Convenience fee	Rs. 117 (inclusive of applicable taxes) will be collected along with the first instalment.
Transaction fee**	Rs. 147 (inclusive of applicable taxes) will be collected along with the first instalment. **"Transaction fees" refers to sum payable by customer (i) who does not hold valid EMI card; (ii) to whom the loan is facilitated; and (iii) at the time of making payment of first EMI/upfront payment as part of loan transaction
Credit Suraksha fee	Rs. 117 (inclusive of applicable taxes) if applicable
Full prepayment	NIL
Part-prepayment	NIL

FEES AND CHARGES
Type of fee	Fees (in Rs.)
Joining fee	Rs. 499 + GST
Renewal fee	Rs. 499 + GST
Reward redemption fee	Rs. 99 + GST per redemption
Cash advance fee	2.5% of the cash amount (minimum Rs. 500)
Late payment fee	• No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee	Rs. 600 + GST
Finance charges	Up to 4% per month or 48% per annum
EMI conversion processing fee	2% of the conversion amount. Subject to a minimum of Rs. 249

FEES AND CHARGES
Type of fee	Fees (Rs.)
Joining fee	Nil
Renewal fee	Rs. 999 + GST
Reward redemption fee	Rs. 99 + GST per redemption
Cash advance fee	2.5% of the cash amount (minimum Rs. 500)
Late payment fee	• No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299)
Over limit fee	Rs. 600 + GST
Finance charges	Up to 4% per month or 48% per annum
EMI conversion processing fee	2% of the conversion amount. Subject to a minimum of Rs. 249

Mobile recharge and bill payments – Fees and charges
Payment	Charges (Rs.)
Payment for bills and recharges	Convenience fee up to 2% per transaction (inclusive of applicable taxes) *
Payment of rent using credit card as a payment mode	2% per transaction (inclusive of applicable taxes) *
Platform fee	Up to Rs.5/- for each prepaid mobile recharge

Rate of Interest
Minimum	Maximum	Average in Q2 FY 24
24% p.a.	26% p.a.	24.8% p.a.

Type of fee	Applicable charges
Rate of interest (floating)	8% to 14% per annum
Processing fees	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes)
Flexi fee	Term Loan: Not applicable
Flexi fee	Flexi variant: Not applicable
Pre-payment charges	Full pre-payment/Foreclosure
	Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment.
	Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment.
	Flexi Hybrid Loan: Not applicable
	Part pre-payment
	Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment.
	Flexi Term Loan (Flexi Dropline): Not applicable

	Note: If all borrowers and co-borrowers are Individual, loan availed on floating interest rates, and loan taken for purpose other than business use, then there will be no foreclosure/part-payment charges.
Annual maintenance charges	Term Loan: Not applicable
	Flexi Term Loan (Flexi Dropline): Not applicable
	Flexi Hybrid Loan: Not applicable
Bounce charges	In case of default of repayment instrument Rs. 1,500 per bounce will be levied.
Penal interest	Penal interest is applicable in the following scenarios:
	a. Delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment.
	b. Default of other condition(s): In case of breach of terms of this agreement and/or sanction letter terms, including but not limited to non-submission of requisite documents to BFL, it shall attract penal interest at the rate of 1% per annum on the loan amount till the date rectification of such default to the satisfaction of BFL. The effective date of levying of penal interest shall commence from the date of committing the default, unless otherwise communicated to the borrower(s) in writing before the penal interest is levied.
Stamp duty (as per respective state)	Payable as per state laws
Mandate rejection charges	Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered.
Broken Period Interest/ Pre-EMI Interest	Broken Period Interest/Pre EMI-Interest' shall mean the amount of interest on loan for the number of day(s) which is(are):
	Scenario 1 - Over and above the period of 30 (thirty) days from the date of disbursement of the loan:
	Method of recovery of Broken Period Interest/Pre-EMI Interest:
	For Term Loan: Deduct from disbursement
	For QDP process & disbursement mode is cheque: Added to first instalment amount
	For Flexi Term Loan: Added to first instalment amount
	For Hybrid Flexi Loan: Added to first instalment amount
	Scenario 2 - Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days:
Mortgage origination fees	Up to Rs. 6,000 (inclusive of applicable taxes) per property
Property insight (if availed)	Rs. 6,999 (inclusive of applicable taxes)

Bajaj Pay FASTag – Fees and charges
Service	Charges (Rs.)
Issuance fee	Up to Rs. 100

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