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 32% 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	Rs. 700 - Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
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 charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 8 - Rs. 12 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
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-monthly Instalment interest	Broken Period Interest/Pre-monthly instalment 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-monthly instalment interest: For Term Loan: Deduct from disbursement or added in first EMI, as applicable. 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.

Note - Additional cess if any will be applicable on all charges according to the state law.

*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%, 32%, and 35.40% per annum respectively. Part-prepayment and foreclosure charges are NIL. {Average interest rate is higher than max interest rate, because maximum interest rates was reduced effective 02 May 2024 however average interest rate is computed on a volume weighted basis for last quarter (Apr'24 - Jun'24)}

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% - 30% per annum
Processing fee	Up to 3.54% of the loan amount (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. 6,499/- (inclusive of applicable taxes) for loan amount less than Rs. 1000000/-. • Up to Rs. 8,999/- (inclusive of applicable taxes) for loan amount from Rs. 1000000/- to Rs. 1499999/-. • Up to Rs. 13,999/- (inclusive of applicable taxes) for loan amount from Rs. 15,00,000/- to Rs. 24,99,999/- • Up to Rs. 16,999/- (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 to0.413% (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 0.413% (Inclusive of applicable taxes) of the Total Withdrawable Amount during Subsequent loan tenure.
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 40 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount
Legal and incidental charges	Recovery of charges
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment. Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.

Types of fee	Applicable charges
Rate of interest	9% - 30% 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	Flexi term loan (Flexi dropline) Up to Rs. 999 for loan amount less than Rs. 50,00,000. Up to Rs. 1,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 1,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 2,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 3,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 4,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 5,999 for loan amount Rs. 7,50,00,000 and above Flexi Hybrid loan – Up to Rs. 5,999 for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 14,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 19,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 21,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 25,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 29,999 for loan amount Rs. 7,50,00,000 and above
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): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) on the total withdrawable amount during initial loan tenor. Not Applicable during subsequent loan tenure.
Bounce Charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Penal charge is applicable in the following scenarios: a. Penal Charge: Any payment default shall attract penal charge of Rs. 36 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. b. Covenant Perfection Charge: i) Rs. 800/- per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500/- per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state) -	Payable as per state laws
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 QDP process: Added first instalment amount 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), charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
CERSAI charges	Up to Rs. 118/- (inclusive of applicable taxes)
Legal charges	Recovery of charges
Repossession and incidental charges	Recovery of charges

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	Rs. 3,000/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	As per Board Approved Policy. Click here to view the same.
Stamp duty (as per respective state)	Payable as per state laws and borne by the Customer.
Other charges (Invoice audit charges, legal charges and other incidental charges, TSR/ Valuation/ CERSAI charges)	Up to Rs. 118/- (Inclusive of applicable taxes) per instance
Discounting charges/ upfront interest / front ended interest	Up to 15% per annum.
Conversion Fee (Floating to Fixed)	For Term Loan - Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). For Dropline Flexi Loan - Up to 1.18% (Inclusive of applicable taxes) on Flexi Limit + Undisbursed amount (if any). Note: (a) The Company would charge an additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. (b) Three conversions are permissible throughout the entire tenure.
Conversion Fee (Fixed to Floating)	For Term Loan - Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). For Dropline Flexi Loan - Up to 1.18% (inclusive of applicable taxes) on Flexi Limit + Undisbursed amount (if any). Note: Three conversions are permissible throughout the entire tenure.
Legal Charges	Recovery of charges
Repossession and Incidental Charges	Recovery of charges
Valuation Charges	Recovery of charges

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 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 *Full/part-prepayment will be processed post clearance of the first EMI
Bounce charge	Rs. 531/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 6 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
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
DCC charges	Up to Rs. 1,500

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	0.15% 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 charge	Rs. 8 per day on Outstanding Balance - Penal charge 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.
Convenience fee	Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for release of ornament/s out of multiple ornaments securing the Gold Loan.
Part-prepayment charges	NIL
Foreclosure charges	Foreclosure charges are “0”, but in cases the Borrower closes the loan, interest on a pro-rated basis will be applicable.
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	Rs. 1,200/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter)/principal/overdue amount. To view Annexure I, kindly click here.
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	Recovery of charges

*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

The following are the interest rates, fees and charges applicable on loan against insurance policies

Type of fee	Applicable charges
Rate of interest	Up to 20% per annum In case of lock-in policies, compounding interest will be charged In case of lock-in free policies, simple interest will be charged
Processing fees	Up to 3% (inclusive of applicable taxes) of the loan amount or Up to Rs. 10,000 (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.
Annual maintenance charges	Up to Rs. 2,949/- (inclusive of applicable taxes) if the loan tenure is above 12 months
Renewal fees	Up to Rs. 2,950/- (inclusive of applicable taxes) to be collected on renewal
Bounce charges	Rs. 1,200/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	For LIC (ULIP & Endowment) and Non-LIC (Endowment) Policies - Delay in payment of instalment(s) shall attract penal charge of Rs. 8/- per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount. For Non-LIC (ULIP) Policies - Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter) /principal/overdue amount. To view Annexure 1 kindly click here.
Stamp duty (as per respective state)	Payable as per state laws.
Broken period interest/ pre-EMI interest	Broken period interest/ pre-monthly instalment interest - Broken period/ pre-monthly instalment 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 days from the date of disbursement of the loan Method of recovery of broken period interest/ pre-monthly instalment interest: Added to the first instalment amount Scenario 2: Less than period of 30 days from the date of disbursement of the loan, interest on first instalment will be charged for actual number of days
Legal charges	Recovery of charges

The following charges are applicable on used car finance:

Type of fee	Applicable charges
Rate of interest	9.50% 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	Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge up to Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Legal and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs. 50,000
Auction charges	Recovery of charges
Valuation charges	Recovery of charges
Stockyard charges	Rs. 118 per day for 60 days (inclusive of applicable taxes)
Loan re-booking charges	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).
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 amount 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.

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	Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 20 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Legal, and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs. 50,000
Auction charges	Recovery of charges
Valuation charges	Recovery of charges
Stockyard charges	Rs. 118 per day for 60 days (inclusive of applicable taxes)
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).
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 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.
Loan cancellation charges	Up to Rs. 2,360/- (inclusive of applicable taxes). Note - In the event of loan cancellation, the customer shall also bear the interest accrued on the loan till the date of cancellation and stamp duty charges levied on the loan at the time of loan origination.

Also Get a Bajaj Finserv CA Loan of up to Rs. 80 lakh with minimal documentation and flexible tenure to meet your financial requirements.

Types of fees	Charges applicable
Rate of interest	11% to 22% per annum
Processing fee	Up to 2.95% of the loan amount (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 (Foreclosure) Foreclosure can be processed post clearance of first EMIs • 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	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
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.
Legal & Incidental charges	Recovery of charges

Type of fee	Applicable charges
Rate of interest (fresh loan)	Salaried	Self-employed	Doctors
	8.50%* to 15.00%* 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
	8.70%* to 15.00%* p.a.	9.50%* to 15.00%* p.a.	8.80%* to 15.00%* p.a
Processing fee	Up to 4% of the loan amount + GST as applicable
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 charge	Click here to know about the penal charges.
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. 80 lakh and repay it easily over flexible tenures of up to 8 years.

Types of fees	Charges applicable
Rate of interest	11% to 22% per annum
Processing fee	Up to 2.95% of the loan amount (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 (Foreclosure) Foreclosure can be processed post clearance of first EMIs • 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	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
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.
Legal and incidental charges	Recovery for charges

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
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^^	(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

^^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.)

Card Variant	Annual fee (1^st year)	Annual fee (2nd year onwards)	Spend limit for annual fee waiver
Binge SuperCard	Rs. 999 + GST	Rs. 999 + GST	1,00,000
Binge SuperCard - First-year-free	NIL	Rs. 999 + GST	1,00,000
Platinum Choice SuperCard	Rs. 499 + GST	Rs. 499 + GST	50,000
Platinum Choice SuperCard - First-year-free	NIL	Rs. 499 + GST	50,000
Platinum Plus SuperCard	Rs. 999 + GST	Rs. 999 + GST	1,00,000
Platinum Plus SuperCard - First-year-free	NIL	Rs. 999 + GST	1,00,000
Platinum ShopDaily SuperCard	Rs. 499 + GST	Rs. 499 + GST
Platinum Edge SuperCard	Rs. 1,999 + GST	Rs. 1,999 + GST
World Prime SuperCard	Rs. 2,999 + GST	Rs. 2,999 + GST
World Plus SuperCard	Rs. 4,999 + GST	Rs. 4,999 + GST
Platinum ValuePlus SuperCard	Rs. 4,999 + GST	Rs. 4,999 + GST
Platinum ShopSmart SuperCard	Rs. 4,99 + GST	Rs. 4,99 + GST
Platinum TravelEast SuperCard	Rs. 999 + GST	Rs. 999 + GST
Platinum LifeEasy SuperCard	Rs. 1,499 + GST	Rs. 1,499 + GST
Platinum ShopGain SuperCard	Rs. 1,499 + GST	Rs. 1,499 + GST
Platinum Advantage SuperCard	Rs. 4,99 + GST	Rs. 4,99 + GST
MyFirst SuperCard	Rs. 999	Rs. 999
MyFirst SuperCard - First-year-free	NIL
EasySaver SuperCard	Rs. 499	Rs. 499
EasySaver SuperCard - First-year-free	NIL

Types of fees	Applicable charges
Rate of interest (floating rate of interest)	8% 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	Flexi term loan (Flexi dropline) Up to Rs. 999 for loan amount less than Rs. 50,00,000. Up to Rs. 1,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 1,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 2,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 3,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 4,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 5,999 for loan amount Rs. 7,50,00,000 and above Flexi Hybrid loan – Up to Rs. 5,999 for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 14,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 19,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 21,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 25,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 29,999 for loan amount Rs. 7,50,00,000 and above
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 payment 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	Rs. 1,500/. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Penal Charge	Penal Charge is applicable in the following scenarios: a. Penal Charge: Any payment default shall attract penal charge of Rs. 190/- per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. b. Covenant Perfection Charge: i) Rs. 800/- per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500/- per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
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) charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
CERSAI charges	Up to Rs. 118/- (inclusive of applicable taxes)
Conversion fee (floating to fixed)	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. b) Three conversions are permissible throughout the entire tenure
Conversion fee (fixed to floating)	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: Three conversions are permissible throughout the entire tenure.
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding
Commitment fee	Maximum up to total PF amount.
Legal Charges	Recovery of charges
Repossession & Incidental charges	Recovery of charges

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	Nil
Through UPI (Via Rupay Credit Card)	Up to 5% 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 for Bill Payments and Recharges	Up to 2% per transaction (Inclusive of applicable taxes)
Platform Fee	Up to Rs. 5/- for each Prepaid Mobile Recharge
*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 transaction, total amount including charges & 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	Rs.500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charges	Delay in payment of instalment(s) shall attract penal charge of up to Rs. 5 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
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. 149 /- (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.
Cash Deposit Charges	Customers will incur a cash deposition charge of Rs. 50 (Inclusive of Applicable taxes) when making cash payments at our branch offices.
Platform Fees	Rs. 11 (Inclusive of Applicable taxes) will be charged for utilising the payment gateway to make part or full payments towards the loan through digital properties.

Type of fees	Amount (Rs.)/ Percentage (%) and Description
Processing fees	Up to Rs. 5,000 (inclusive of applicable taxes) collected upfront or added in the first EMI.
Upfront Interest	Up to Rs. 1017/- Collected upfront or in 1st EMI
Bounce charge	Rs. 500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Delay in payment of instalment(s) shall attract Penal Charge up to Rs. 5 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Convenience fee	For Existing to Bajaj (ETB) - Rs. 236/- (Inclusive of applicable taxes). For New to Bajaj (NTB) – Rs. 300/- (Inclusive of applicable taxes).
Credit Suraksha fee	Rs. 59 (inclusive of applicable taxes) if applicable
Full prepayment (Foreclosure) charges	NIL
Part-prepayment	NIL
Direct Cash Collection Charge	Up to Rs. 499 (Inclusive of Applicable taxes) will be charged upfront for providing an option to make EMI payments in cash

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)+ GST
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)+ GST
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) *
Platform fee	Up to Rs. 5/- for each prepaid mobile recharge

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 Term Loan (Flexi dropline): Up to Rs. 999 for loan amount less than Rs. 50,00,000 Up to Rs. 1,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999 Up to Rs. 1,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 2,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 3,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 4,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 5,999 for loan amount Rs. 7,50,00,000 and above Flexi Hybrid Loan: Up to Rs. 5,999 for loan amount less than Rs. 50,00,000 Up to Rs. 11,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999 Up to Rs. 14,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 19,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 21,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 25,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 29,999 for loan amount Rs. 7,50,00,000 and above
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	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Legal charges	Recovery of charges
Repossession and incidental charges	Recovery of charges
Penal Charge	Penal Charge is applicable in the following scenarios: a. Penal Charge: Any payment default shall attract penal charge of Rs. 190 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. b. Covenant Perfection Charge: i) Rs. 800/- per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500/- per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
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: 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 charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
CERSAI charges	Up to Rs. 118/- (inclusive of applicable taxes)
Conversion fee (floating to fixed)	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. b) Three conversions are permissible throughout the entire tenure
Conversion fee (fixed to floating)	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: Three conversions are permissible throughout the entire tenure.
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding
Commitment fee	Maximum up to total PF amount.

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

Rate of Interest
Minimum	Maximum	Average in Q1 FY 25
24% p.a.	26% p.a.	24.72% p.a.

Type of fee	Applicable charges
Monthly Lease Administration Fee	Up to 0.59% of contract value (inclusive of applicable taxes)
Foreclosure charges	Up to 4.72% (inclusive of applicable taxes) on the outstanding amount payable by the corporate/ its employee on the date of such full prepayment
Bounce charges	Up to Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charges	Delay in payment of instalment(s) shall attract penal charges of Rs. 10 per day per active lease from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty	Payable as per state laws
Legal and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs. 50,000
Auction charges	At actuals
Valuation charges	At actuals
Stockyard charges	Recovery of charges
NOC for interstate transfer	Rs. 1,180 (inclusive of applicable taxes)
Duplicate NOC	Rs. 500/- (inclusive of applicable taxes)
Other NOC	Rs. 1,180/- (inclusive of applicable taxes)
PG facility charge	Rs. 11 (inclusive of applicable taxes) will be charged for utilising the payment gateway to make part or full payments towards the loan through digital properties

Type of fee	Applicable charges
Processing fees	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 9,500 (inclusive of applicable taxes)
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 Part prepayment: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment Note: Loan availed by individuals on floating interest rates and loan taken for purpose other than business use, then there will be no foreclosure / part payment charges.
Bounce charges	Up to Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Penal charge is applicable in the following scenarios: Penal charge: Any payment default shall attract penal charge of Rs. 20 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. Covenant perfection charge: Rs. 800 per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. Rs. 500 per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
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: 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 per property (inclusive of applicable taxes) charged upfront *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount
CERSAI charges	Up to Rs. 118 per instance (Inclusive of applicable taxes)
Conversion fee (Floating to Fixed)	Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). Note: The Company would charge an additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date.
Conversion fee (Fixed to Floating)	Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any)
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding
Subsequent Disbursement Visit Charges	Up to Rs. 799 per visit (Inclusive of applicable taxes)

Bill Payment at BFL Branches The following fees and charges are applicable on Bill Payment at BFL Branches:
Customer Convenience Fees
BBPS Category*	Rs. 5 for transaction amount from Rs. 1 and up to Rs. 1000 Rs. 10 for transaction amount greater than Rs. 1000 and up to Rs. 2999 Rs. 25 for transaction amount Rs. 3000 and above
* Charges are inclusive of applicable tax * No Customer Convenience Fees will be applicable for the following categories: Book LPG Cylinders, Credit Card Bills, Loan Repayment, DTH
Platform Fees
Prepaid Recharges**	Rs. 5 for transaction amount from Rs. 10 and up to Rs. 1000 Rs. 10 for transaction amount greater than Rs. 1000 and up to Rs. 2999 Rs. 25 for transaction amount Rs. 3000 and above
** Charges are inclusive of applicable tax
Customer Convenience Fees	Convenience fee is applicable on specific categories and subject to revision, from time to time.
Failed Transaction Refund Management	For failed transactions, total amount including charges & taxes will be reversed to the customer.

Fees and Charges of All Products

Fees and charges of personal loan

Fees and charges of business loan

Fees and charges of secured business loan

Fees and charges of Commercial Lending

Fees and charges of two-wheeler loan

Fees and charges of gold loan

Fees and charges of loan against securities

Fees and charges of loan against insurance policies

Fees and charges of used car finance

Fees and charges of new car finance

Fees and charges of chartered accountant loan

Fees and charges of home loan

Fees and charges of loan for doctors

Fees and charges of Bajaj Finserv RBL bank Platinum Choice SuperCard

Fees and charges of Bajaj Finserv RBL bank Platinum Choice SuperCard – First-Year-Free

Fees and charges of Bajaj Finserv RBL bank Platinum Plus SuperCard

Fees and charges of Bajaj Finserv RBL bank Platinum Plus SuperCard – First-Year-Free

Fees and charges of Bajaj Finserv RBL bank World Prime SuperCard

Fees and charges of Bajaj Finserv RBL bank World Plus SuperCard

Fees and Charges of Bajaj Finserv RBL Bank Binge First Year Free Supercard

Fees and Charges of Bajaj Finserv RBL Bank Binge SuperCard

Fees and Charges of Bajaj Finserv RBL Bank Platinum ShopDaily Supercard

Fees and Charges of Bajaj Finserv RBL Bank Platinum Edge SuperCard

Fees and Charges of Bajaj Finserv RBL Bank Travel Easy SuperCard

Fees and Charges of Bajaj Finserv RBL Bank Shop Smart SuperCard

Fees and charges of Bajaj Finserv RBL Bank credit cards

Fees and charges of loan against property

Fees and charges of Bajaj Pay Wallet

Fees and Charges of Bajaj Finserv RBL bank Value Plus SuperCard

Fees and Charges of Bajaj Finserv RBL bank Platinum ShopGain SuperCard

Fees and Charges of Bajaj Finserv RBL bank Platinum LifeEasy SuperCard

Fees and charges of medical equipment finance

Fees and Charges of Bajaj Finserv RBL bank Platinum Advantage SuperCard

Fees and charges of EMI Network Card/ Insta EMI Card

Fees and charges of Health EMI Network Card

Fees and charges of EMI Network

Fees and Charges of Bajaj Finserv DBS Bank 5X Rewards SuperCard

Fees and Charges of Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard

Fees and Charges of Bajaj Finserv DBS Bank 5X Rewards First-Year-Free

Fees and Charges of Bajaj Finserv DBS Bank 5X Plus Rewards First-Year-Free

Fees and Charges of Bajaj Finserv DBS Bank 7X Rewards SuperCard

Fees and Charges of Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard

Fees and Charges of Bajaj Finserv DBS Bank 10X Signature SuperCard

Fees and Charges of Bajaj Finserv DBS Bank 10X Plus Signature SuperCard

Fees and charges of Mobile Recharge and Bill Payments

Fees and charges of B2B Dealer Banker

Fees and charges of Lease Rental Discounting (LRD)

Fees and charges for Bajaj Pay FASTag

Fees and charges of microfinance group loan

Fees and charges of pharma loan

Fees and charges on ESOP financing

Fees and charges of IPO financing

Fees and charges of new tractor finance

Fees and charges of small implement finance

Fees and charges of used tractor finance

Fees and charges of retailer finance

Fees and charges of trade advance

Fees and charges for auto lease

Fees and charges for affordable home loan

Fees and charges of loan against fixed deposit

Fees and charges of industrial equipment finance

Fees and charges of New Commercial Vehicle Loan

Fees and charges of Used Commercial Vehicle Loan

Fees and charges of Bill Payment at BFL Branches

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