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All Products - Fees and Charges

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Personal Loan - Fees and Charges

Bajaj Finserv offers attractive interest rates on personal loans up to Rs.25 lakh that can 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:
Types of Fees Charges Applicable
Personal Loan Interest Rates 13% onwards
Processing fees Up to 4% of the loan amount (plus applicable taxes)
Bounce Charges Rs. 600 - 1200 Per bounce (Inclusive of applicable taxes)
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% to 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.
Stamp Duty At actuals. (as per State)

Personal Loan Foreclosure Charges

Loan Variant Charges
Term Loan 4% plus applicable taxes on Principal Outstanding amount as on the date of such full pre-payment
Flexi Term Loan 4% plus applicable taxes on total withdrawable amount* (*Total loan amount that you can withdraw under Flexi Loan from time to time as per the repayment schedule) on the date of levy of such charges).
Flexi Hybrid Loan 4% plus applicable taxes on total withdrawable amount* (*Total loan amount that you can withdraw under Flexi Loan from time to time as per the repayment schedule) on the date of levy of such charges).

Personal Loan Part-prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
All borrowers More than 1 month from date of loan disbursal 2% + applicable taxes on part-payment amount paid*

*Part-prepayment made should be more than 1 EMI.

*These charges not applicable for Flexi Loan facility.

Annual/Additional Maintenance Charges

Loan Variant Charges
Flexi Term Loan 0.25% plus applicable taxes, on the total withdrawable amount irrespective of utilization on date of levy of such charges
Flexi Hybrid Loan 0.25% plus applicable taxes, on the total withdrawable amount irrespective of utilization on date of levy of such charges

*These charges will be levied annually.
 




Dealer Banker Home Loan - Fees and Charges

Fees & Charges for Dealer Banker Home Loan are as follows-

Types of Fees Applicable Charges
Rate of interest 9% p.a. onwards
Processing fees Upto 6% of the loan amount (Plus applicable taxes)
Bounce charges Rs.3000 (Inclusive of applicable taxes)
Penal interest (Applicable in case of non-payment of monthly Instalment on/before the Due - Date) Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Document processing charges Rs.1710 to Rs.2360(Inclusive of applicable taxes)
Stamp Duty At actuals. (as per State)
CERSAI charges at actuals
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.

Annual/Additional Maintenance Charges

Loan Variant Charges
Term Loan NIL
Flexi Variant 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charge. Please note this is applicable only on Flexi Variant.

Pre-payment Charges

Pre-payment Charges will be applicable to the Loan/s availed by the Borrower as per the details mentioned below:
 

Floating Rate of Interest
  Term Loan Flexi Loan
Time Period (Months) >1 >1
Full Pre-payment (Foreclosure) Charges NIL NIL
Part Pre-payment Charges NIL NIL
 
Fixed Rate of Interest
  Term Loan Flexi Loan
Time Period (Months) >1 >1
Full Pre-payment (Foreclosure) Charges 4% plus applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment
Part Pre-payment Charges Part Pre-Payment Charges 2% plus applicable taxes of the principal amount of Loan prepaid on the date of such part Pre-Payment NIL

Business Loan - Fees and Charges

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

Types of Fees Applicable Charges
Rate of interest 17% p.a. onwards
Processing fees Up to 2% of the loan amount (Plus Applicable Taxes)
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
 
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
Bounce charges Upto 3000 (Inclusive of applicable taxes)
Penal interest (Applicable in case of non-payment of monthly Instalment on/before the Due - Date) Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Document processing charges Rs. 2000 + applicable taxes
Stamp Duty At actuals. (as per State)

Annual/Additional Maintenance Charges

Loan Variant Charges
Flexi Term Loan 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges.
Flexi Hybrid Loan 1.0% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.
Note: Annual/Additional Maintenance Charge is deducted upfront every year for the complete tenor of the loan.

Foreclosure Charges

Loan Variant Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment) 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment
Flexi Term Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.
Flexi Hybrid Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.

Part-Prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant More than 1 month from date of loan disbursal. 2% + applicable taxes on part-payment amount paid./td>

Gold Loan - Fees and Charges

Type of fees Applicable Charges
Interest rate 11% p.a. onwards
Documentation Charges Rs. 25/- to Rs. 150/- (Inclusive of applicable taxes)
Stamp Duty At actuals. (as per State)
Penal interest 3% per annum on Outstanding Balance
Foreclosure charges NIL
Cash Handling charges Rs.50/- (Inclusive of applicable taxes)
Part Payment charges NIL
Statement of Account/Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
 
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal– Experia. You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (inclusive of applicable taxes) per statement/letter/certificate.
Auction Charges (Inclusive of applicable taxes) Demand Notice 1 - Rs.40/-
Demand Notice 2 - Rs.40/-
Auction Notice - Rs.40/-
Final Auction Notice - Rs.40/-
Recovery Charges - Rs.500/-
Advertisement Charges, Armed Guard charges - At Actual


Dealer Banker LAP Loan - Fees and Charges

Fees & Charges for Dealer Banker LAP loan are as follows-

Types of Fees Applicable Charges
Rate of interest 9.99% p.a. onwards
Processing fees Upto 6% of the loan amount (Plus applicable taxes)
Bounce charges Rs.3000 (Inclusive of applicable taxes)
Penal interest (Applicable in case of non-payment of monthly Instalment on/before the Due - Date) Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Document processing charges Rs.1710 to Rs.2360(Inclusive of applicable taxes)
Stamp Duty At actuals. (as per State)
CERSAI charges at actuals
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.

Annual/Additional Maintenance Charges

Loan Variant Charges
Term Loan NIL
Flexi Variant 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charge. Please note this is applicable only on Flexi Variant.

Pre-payment Charges

Pre-payment Charges will be applicable to the Loan/s availed by the Borrower as per the details mentioned below:
 

Floating Rate of Interest
  Term Loan Flexi Loan
“Loan can be foreclosed only after paying at least one EMI” >1 >1
Full Pre-payment (Foreclosure) Charges 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment
(Not applicable where Borrower is an individual and loan is for purpose other than business)
4% +applicable taxes except where Borrower is an individual and loan is for purpose other than business.
Charges levy on the total withdrawable
amount as per the repayment schedule, on the date of such full Pre-Payment
Part Pre-payment Charges 2% + applicable taxes of the principal amount of Loan prepaid on the date of such part Pre-Payment(not applicable where Borrower is an individual and loan is for purpose other than business) NA
 
Fixed Rate of Interest
  Term Loan Flexi Loan
“Loan can be foreclosed only after paying at least one EMI” >1 >1
Full Pre-payment (Foreclosure) Charges 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment 4% + applicable taxes of the total withdrawable amount as per the repayment schedule, on the date of such full Pre-Payment.
Part Pre-payment Charges Part Pre-Payment Charges 2% + applicable taxes of the principal amount of Loan prepaid on the date of such part Pre-Payment NA

Fees & Charges of flexi conversion for Dealer Banker LAP loan are as follows-

Types of Fees Applicable Charges
Rate of interest 9.99% p.a. onwards
Processing fees 1% to 4% of the loan amount outstanding (plus applicable taxes)
Stamp Duty At actuals. (as per State)
Bounce charges Rs.3000 (Inclusive of applicable taxes)
Penal interest 2% per month on the amount of monthly instalment outstanding as on that date
Statement of Account/ Repayment Schedule/Foreclosure Letter/ No Dues Certificate/Interest Certificate/ List of documents Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia. You can get a physical copy of your statements /letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/(Inclusive of applicable taxes) per statement/letter/certificate.

Annual/Additional Maintenance Charges

Loan Variant Applicable Charges
Hybrid Flexi Annual Maintenance Charge will be applicable every year @0.25%+ Applicable taxes of Total withdrawable amount (as per the repayment schedule) on the date of levy such charges.

Prepayment Charges

Charges Hybrid Flexi Loan (Fixed/Floating Rate of Interest)
Time Period (Months) >1
Full Pre-payment (Foreclosure) Charges 4% +applicable taxes plus except where Borrower is an individual and loan is for purpose other than business. Charges levy on the total withdrawable amount as per the repayment schedule, on the date of such full Pre-Pay.
Part Pre- Payment Charges Nil


Loan Against Securities - Fees and Charges

Types of Fees Charges Applicable
Interest rate 9.50% to 12% p.a
Processing fees 0.10*% - 1% of the loan amount
Interest and principal statement charges NIL
Foreclosure charges NIL
Pre-payment charges NIL
Bounce Charges Rs.1200 per bounce (Inclusive of applicable taxes)
Penal interest 2% per month
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.

*Applicable only for online application for a Loan Against Securities.
 


Used Car Finance - Fees & Charges

Types of Fees Charges Applicable
Processing fee Upto 4% plus applicable taxes
Stamp Duty At actuals. (as per State)
Documentation charges Rs. 2360 (Inclusive of applicable taxes) (Recently Updated)
Loan re-booking Rs. 1000 (Inclusive of applicable taxes)
Loan cancellation charges Rs. 2360 (Inclusive of applicable taxes)
Bouncing charges Rs. 2000 (Inclusive of applicable taxes)
Penal Interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Legal, repossesion and incidental charges at actuals
NDC for interstate transfer Rs. 1000 + applicable taxes
NDC to convert from private to commercial Rs. 3000 + applicable taxes
Duplicate NDC Rs. 500(Inclusive of taxes)
Statement Of Account/ Repayment Schedule/Foreclo- sure Letter/ Interest Certifi- cate/List of documents Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia. You can get a physical copy of your statements/letters/certificate s/List of
Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.

PREPAYMENT CHARGES AND ANNUAL MAINTENANCE CHARGES-

Loan Variants Full Pre-Payment (Foreclosure) Charges.(Foreclosure can be processed post clearance of 6th EMI) Part Payment Charges Annual Maintenance Charges
Term Loan 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment 4% + applicable taxes of the principal amount of Loan prepaid on the date of such part Pre-Payment Not Applicable
Hybrid Flexi 4% + applicable taxes of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full pre-payment Not Applicable Initial Tenure: (a) For 1st Year of initial tenor: Nil (b) For 2nd year of initial tenor: 1.25% + applicable taxes of Total Withdrawable Amount, which will be charged at the beginning of year. Subsequent Tenure: 0.25 + applicable taxes of Total Withdrawable Amount, which will be charged at the beginning of year.

Fees & Charges of UCF flexi conversion loan are as follows-

Types of fees Charges applicable
Processing fee of conversion Upto 4% plus applicable taxes
Stamp Duty At actuals. (as per State)
Loan cancellation charges  Rs. 2360 (Inclusive of applicable taxes)
Bouncing charges Rs. 2000 (Inclusive of applicable taxes)
Penal Interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Legal, repossession and incidental charges at actuals
NDC for interstate transfer Rs. 1000 + applicable taxes
NDC to convert from private to commercial Rs. 3000 + applicable taxes
Full Pre-Payment (Foreclosure) Charges.(Foreclosure can be processed post clearance of 6th EMI) 4% of the total withdrawable amount plus applicable taxes as per the repayment schedule, during initial and subsequent tenure on the date of such full pre-payment
Part payment charges Nil
Annual Maintenance Charges Initial Tenure:
(a) For 1st Year of initial tenor : Nil
(b) For 2nd year of initial tenor: 1.25% (plus applicable taxes) of Total Withdrawable Amount, which will be charged at the beginning of year
Subsequent Tenure: 0.50% (plus applicable taxes) of Total Withdrawable Amount, which will be charged at the beginning of year.
Duplicate NDC Rs. 500(Inclusive of taxes)
Statement Of Account/ Repayment Schedule/Foreclo- sure Letter/ Interest Certifi- cate/List of documents Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia. You can get a physical copy of your statements/letters/certificate s/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.

Loan for Doctors - Fees & Charges

Bajaj Finserv offers the lowest doctor loan rate of interest. Read more about our doctor loan interest rate and charges below.

The following fees and charges are applicable on a Personal Loan and Business Loan for Doctors:

Types of Fees Charges Applicable
Rate of interest 14-16% p.a.
Processing fee Up to 2 % of the loan amount (Plus Applicable Taxes)
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Document processing charges Rs. 2000 + applicable taxes
Bounce Charges Upto 3000 (Inclusive of applicable taxes)
Stamp Duty At actuals. (as per State)

Annual/Additional Maintenance Charges

Loan Variant Charges
Flexi Term Loan 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges.
Flexi Hybrid Loan 0.25 to 0.5% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.

Foreclosure Charges

Loan Variant Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment) 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment
Flexi Term Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.
Flexi Hybrid Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.

Part-Prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant More than 1 month from date of loan disbursal. 2% + applicable taxes on part-payment amount paid.

Chartered Accountant Loan - Fees & Charges

Fees & Charges for Business Loan for Chartered Accountant are as follows-

Types of Fees Applicable Charges
Interest rate 14 to 17% p.a
Processing fee Up to 2 % of the loan amount (Plus Applicable Taxes))
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
Bounce charges Upto 3000 (Inclusive of applicable taxes)
Penal interest (Applicable in case of non-payment of monthly instalment on/before the due date) Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Document processing charges Rs. 2000 + applicable taxes
Stamp Duty At actuals. (as per State)

Annual/Additional Maintenance Charges -

Loan Variant Charges
Flexi Term Loan 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges.
Flexi Hybrid Loan 0.25 to 0.5% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.

Foreclosure Charges

Loan Variant Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment) 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment
Flexi Term Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.
Flexi Hybrid Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.

Part-Prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant More than 1 month from date of loan disbursal. 2% + applicable taxes on part-payment amount paid.

Engineer Loan - Fees & Charges

Salaried and self-employed engineers can get a Loan for Engineers by paying the following basic fees and charges:

Types of Fees Charges Applicable
Interest rate 14-16% p.a. for salaried professionals
16-19% p.a. for self-employed individuals
Processing fee 2% onwards of the loan amount (Plus Applicable Taxes)
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
Bounce charges Upto 3000 (Inclusive of applicable taxes)
Penal interest (Applicable in case of non-payment of monthly instalment on/before the due date) Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Document processing charges Rs. 2000 + applicable taxes
Stamp Duty At actuals. (as per State)

Annual/Additional Maintenance Charges

Loan Variant Charges
Flexi Term Loan 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges.
Flexi Hybrid Loan 0.25 to 0.5% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.

Foreclosure Charges

Loan Variant Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment) 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment
Flexi Term Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.
Flexi Hybrid Loan 4% plus applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.

Part prepayment charge

Borrower Type Time Period Part prepayment charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant More than 1 month from date of loan disbursal 2% + applicable taxes on part-payment amount paid*

Fixed Deposit - Fees and Charges

Investing in a Bajaj Finance Fixed Deposit can help you get guaranteed returns, so you can grow your savings easily. With the highest credibility ratings by CRISIL and ICRA, you can safeguard your savings easily and choose your tenure and payout frequency.

With Bajaj Finance Fixed Deposit, multiply your savings easily and choose your tenure as per your convenience. Here are more details on the interest rates offered:    

Annual rate of interest valid for deposits up to Rs.5 crore (w.e.f. 01 Dec 2021)

For citizens below 60 years of age:

Tenor in Months Minimum deposit (in Rs.) Cumulative Non-Cumulative
Monthly Quarterly Half Yearly Annual
12 – 23 25,000 5.65% 5.51% 5.53% 5.57% 5.65%
24 – 35 6.40% 6.22% 6.25% 6.30% 6.40%
36 - 60 6.80% 6.60% 6.63% 6.69% 6.80%

For senior citizens:

Tenor in Months Minimum deposit (in Rs.) Cumulative Non-Cumulative
Monthly Quarterly Half Yearly Annual
12 – 23 25,000 5.90% 5.75% 5.77% 5.82% 5.90%
24 – 35 6.65% 6.46% 6.49% 6.54% 6.65%
36 - 60 7.05% 6.83% 6.87% 6.93% 7.05%

Rate benefits basis customer category (w.e.f. 1 Dec 2021):

up to 0.25% for senior citizens


Platinum Choice SuperCard - Fees & Charges

Types of Fees Charges Applicable
Joining fee Rs. 499+GST
Annual fee Rs. 499+GST
Fee Wavier on Annual Spends of Rs. 50,000
(Recently updated)
Add-on Card Fees NIL
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch
Surcharge on Purchase / Cancellation of Railway Tickets IRCTC Service charges * + Payment Gateway. Transaction charge [Upto 1.8%+GST of (ticket amount +IRCTC service charge).
Fuel Transaction Charge - for transaction made at petrol pumps to purchase fuel^ 1% +GSTSurcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5% + GST of the cash amount (Minimum Rs. 500 + GST)
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Overdue Interest on Secured Credit Cards 3.33% + GST per month or 40% + GST per annum
Overdue Penalty / Late Payment 15% + GST of Total Amount Due (Min Rs. 50 and Max Rs. 1,500 + GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88%+GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge
 


Platinum Choice First-Year-Free SuperCard - Fees & Charges

Types of Fees Charges Applicable
Annual fee Rs. 499+GST
Fee Wavier on Annual Spends of Rs. 50,000
(Recently updated)
Add-on Card Fees NIL
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch
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 transaction made at petrol pumps to purchase fuel^ 1% +GST Surcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5% + GST of the cash amount (Minimum Rs. 500 + GST)
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Overdue Interest on Secured Credit Cards 3.33% + GST per month or 40% + GST per annum
Overdue Penalty / Late Payment 15% + GST of Total Amount Due (Min Rs. 50 and Max Rs. 1,500 + GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88% +GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge
 


Platinum Plus SuperCard - Fees & Charges

Types of Fees Charges Applicable
Joining fee Rs. 999+GST
Annual fee Rs. 999+GST
Fee Wavier on Annual Spends of Rs. 50,000
(Recently updated)
Add-on Card Fees NIL
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch
Surcharge on Purchase / Cancellation of Railway Tickets IRCTC Service charges * + Payment Gateway. Transaction charge [Upto 1.8%+GST of (ticket amount +IRCTC service charge). Refer IRCTC website for details
Fuel Transaction Charge - for transaction made at petrol pumps to purchase fuel^ 1% +GSTSurcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5% + GST of the cash amount (Minimum Rs. 500 + GST)
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Overdue Interest on Secured Credit Cards 3.33% + GST per month or 40% + GST per annum
Overdue Penalty / Late Payment 15% + GST of Total Amount Due (Min Rs. 50 and Max Rs. 1,500 + GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88%+GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge
 


Platinum Plus First-Year-Free SuperCard - Fees & Charges

Types of Fees Charges Applicable
Annual fee Rs. 999 + GST
Fee Waiver on Annual Spends of up to Rs.50,000 (Recently updated)
Add-on Card Fees NIL
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch
Surcharge on Purchase / Cancellation of Railway Tickets IRCTC Service charges * + Payment Gateway. Transaction charge [Upto 1.8%+GST of (ticket amount +IRCTC service charge). Refer IRCTC website for details
Fuel Transaction Charge - for transaction made at petrol pumps to purchase fuel^ 1% +GST Surcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5% + GST of the cash amount (Minimum Rs. 500 + GST)
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Overdue Interest on Secured Credit Cards 3.33% + GST per month or 40% + GST per annum
Overdue Penalty / Late Payment 15% + GST of Total Amount Due (Min Rs. 50 and Max Rs. 1,500 + GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88%+GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge
 


World Prime SuperCard - Fees & Charges

Types of Fees Charges Applicable
Joining fee Rs. 2,999 + GST
Annual fee Rs. 2,999 + GST
Renewal fee Rs. 2,999 + GST
Add-on Card Fees Nil
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch
Surcharge on Purchase / Cancellation of Railway Tickets IRCTC Service charges * + Payment Gateway. Transaction charge [Upto 1.8%+GST of (ticket amount +IRCTC service charge). Refer IRCTC website for details
Fuel Transaction Charge - for transaction made at petrol pumps to purchase fuel^ 1% +GSTSurcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5% + GST of the cash amount (Minimum Rs. 500 + GST)
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Charge Slip Retrieval / Copy Fee Rs. 100
Overdue Interest on Secured Credit Cards 3.33% + GST per month or 40% + GST per annum
Overdue Penalty / Late Payment 15% + GST of Total Amount Due (Min Rs. 50 and Max Rs. 1,500 + GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88%+GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge
 


World Plus SuperCard - Fees & Charges

Types of Fees Charges Applicable
Joining fee Rs. 4,999 + GST
Annual fee Rs. 4,999 + GST
Add-on Card Fees NIL
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch
Surcharge on Purchase / Cancellation of Railway Tickets IRCTC Service charges * + Payment Gateway. Transaction charge [Upto 1.8%+GST of (ticket amount +IRCTC service charge). Refer IRCTC website for details
Fuel Transaction Charge - for transaction made at petrol pumps to purchase fuel^ 1% +GSTSurcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5% + GST of the cash amount (Minimum Rs. 500 + GST)
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Overdue Interest on Secured Credit Cards 3.33% + GST per month or 40% + GST per annum
Overdue Penalty / Late Payment 15% + GST of Total Amount Due (Min Rs. 50 and Max Rs. 1,500 + GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88%+GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge


Doctor's SuperCard - Fees & Charges

Types of Fees Charges Applicable
Joining Fees Rs. 999+GST
Annual fee Rs. 999+GST
Fee Waiver on Annual Spends of Rs.1,00,000 (Recently updated)
Add-on Card Fees NIL
Foreign Currency Transaction** 3.5%+GST
Cash Payment at branches Rs. 250+GST cash deposit transaction done at RBL bank branch and Bajaj Finserv branch.
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 transaction made at petrol pumps to purchase fuel^ 1% +GSTSurcharge on Fuel transaction value or Rs. 10+GST, whichever is higher
Reward Redemption Fees A Reward redemption fee of Rs. 99+GST will be levied on all redemptions made on Bajaj Finserv RBL Bank SuperCards w.e.f. June 01, 2019. T&C Apply
Cash Advance Transaction fee 2.5%+GST (min Rs. 100+GST)of the cash amount
Overdue Interest on extended Credit Upto 3.99% +GST per month or 47.88%+GST per annum
Overdue Interest on Secured Credit Cards 2.5% +GST per month or 30%+GST per annum
Overdue Penalty / Late Payment Fee 15%+GST of Total amount due (Min Rs. 50+GST, Max Rs. 1000+GST)
Over-limit Penalty Rs. 600+GST
Finance Charges (Retail Purchases and cash) APR up to 3.99%+GST p.m. (up to 47.88%+GST p.a.)
Call-a-draft fee 2.5%+GST (min Rs. 300+GST) of the draft amount
Card Replacement (Lost / Stolen / Reissue / any other replacement) NIL (Recently updated)
Duplicate Statement Fee NIL (Recently updated)
Charge Slip Retrieval / Copy Fee Rs. 100+GST
Outstation Cheque Fee Rs. 100+GST
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds Rs. 500+GST
Personal Indemnity Insurance* + annual fee Rs. 4,999+GST

All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. Maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Personal Indemnity Insurance cover is provided free of cost for first year to all the customers. Charges will be levied only post customer consent in the second year if 3.5 lacs spend criteria is not met in the first year.
** Refer to IRCTC website for details
*** Transactions at merchant establishments that are registered overseas even if the merchant is in India attract a cross border charge


EMI Network Card Fees & Charges:

EMI Network Card (Existing Member Identification Network Number)
EMI Network Card Fee Rs. 499/- to Rs. 567/- (Inclusive of applicable taxes)
Add-on EMI Network Card Fee Rs. 199/- (Inclusive of applicable taxes)
Convenience Fee Rs. 34/- to 293/- (Inclusive of applicable taxes)
Loan Enhancement Fees Up to Rs. 999/- (Plus Applicable Taxes)
Mandate Registration Charges Rs. 118/- (Inclusive of applicable taxes)
NACH/Cheque Bounce Charges Rs 450/- (Inclusive of applicable taxes)
Mandate Rejection Charges Rs. 450/- (Inclusive of applicable taxes). Will be applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment
Schedule/Foreclosure Letter/No Dues
Certificate/Interest Certificate/List of documents.
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/-( Inclusive of applicable taxes) per statement/letter/certificate.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Annual Fee Rs. 117/- (inclusive of applicable taxes )
Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the 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 EMI Network Card.
For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’,on the EMI Network Card) the date for payment of the annual fee will be March, 2020.

*Fees amount subject to change
 

Definitions for reference:


Add on Card Fee
An EMI Network Card is offered to the family members of the existing primary EMI Network Card holder. The limit will be shared with the primary EMI Network Card holder.

Card inactive Fee
Annual / Renewal fee will only be charged to the EMI Network card holders who have not availed any loan using the EMI Network Card in the preceding year. The preceding year will be 12 months calculated from last year’s validity month, which is printed on the face of your EMI Network Card. For example, if you were issued the EMI Network Card on August 2014 (referred to as ‘Valid From’) and no transaction between August 2015 & August 2016; the payment of fee will be in September 2016.

Convenience Fee
Convenience fee is charged for the ease of conversion of purchases in to easy EMIs at the point of sale through his EMI Network Card. These are not surcharge.

ECS Return Fee
A penalty is levied if your EMI payment fails due to insufficient funds or other bank rejection reasons.

Insta Activation Fee
Instant activation fee is one time fee charged to immediately activate the EMI Network Card which is ready to use. This fee is charged once only.

Joining Fee
Joining fee also known as participation or membership fee. This fee is charged once only.

Penal interest
These are charges for your delinquency in paying due amount on time is known as Penal interest.

Upgrade Fee
Upgrade fee are charged on availing of improved quality or additional benefits on the card.
 

EMI Network - Fees & Charges

Processing fees varies from products, schemes and dealers purchased on the EMI Network Categories.

Type of Fees*
Min
Max
Processing Fees NIL Rs. 1017(Inclusive of taxes)
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Bounce Charges Rs. 450 (inclusive of taxes)
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
CIBIL Transunion Report Fees Rs. 36 - Rs. 46 (Inclusive of applicable taxes)
*Fees amount subject to change.

EMI Network Categories are as below:

Appliances, Electronics, Lifecare Treatments, Home, Kitchen & Furniture, Sports, Fitness and Travel

Mandate registration charge of Rs. 118 (inclusive applicable taxes)will be applicable for below banks -
Bank Of Maharashtra
Development Credit Bank Ltd
IDFC Bank
Karnataka Bank Ltd
Punjab & Sind Bank
Rajkot Nagarik Sahakari Bank Ltd
Tamil Nadu Mercantile Bank Ltd
UCO Bank
Indian Overseas Bank
United Bank Of India

Health EMI Network Card Fees & Charges:

Types of Fees Charges Applicable
Health EMI Network Card Fee Rs. 589 /- (Inclusive of applicable taxes)
Instant Activation Fee Rs. 118 /- (Inclusive of applicable taxes)
Add-on Health EMI Network Card Fee Rs. 199 /- (Inclusive of applicable taxes)
Mandate registration charges Rs. 118 /- (Inclusive of applicable taxes)
NACH/Cheque Bounce Charges Rs. 450 /– (Inclusive of applicable taxes)
Mandate Rejection Charges Rs. 450 /- (Inclusive of applicable taxes) Applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by the customer’s bank for any reasons whatsoever
DOCUMENT/STATEMENT CHARGES Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents. Download your e-statements/letters/certificates at no extra cost by logging into customer portal – Experia. You can get a physical copy of your statements/letters/certificates/list of documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Annual Fee 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 EMI Network Card) the date for payment of the annual fee will be March, 2020.

Insta EMI Card Fees & Charges:

INSTA EMI CARD
Insta EMI Network Card Fee Rs. 499/- to Rs. 567/- (Inclusive of applicable taxes)
Add-on EMI Network Card Fee Rs.199/- (Inclusive of applicable taxes)
Convenience Fee Rs. 34/- to 293/- (Inclusive of applicable taxes)
Loan Enhancement Fees Up to Rs. 999/- Plus applicable taxes
Mandate Registration Charges Rs. 118/- (Inclusive of applicable taxes)
NACH/Cheque Bounce Charges Rs 450/- (Inclusive of applicable taxes)
Mandate Rejection Charges Rs. 450/- (Inclusive of applicable taxes). Will be applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment
Schedule/Foreclosure Letter/No Dues
Certificate/Interest Certificate/List of documents.
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Annual Fee Rs. 117/- (Inclusive of applicable taxes)
Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the 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 EMI Network Card. For example, If the EMI Network Card is issued in the month of February 2019 (referred to as 'Member Since', on the EMI Network Card) the date for payment of the annual fee will be March, 2020.

EMI Lite Offer – Fees & Charges

Bounce Charges Rs. 450 (Inclusive of taxes)
Penal Interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Foreclosure charges NIL

Fees & charges for Wallet (Insta credit)

Foreclosure charges(Only after 1st EMI payment) 2% on Loan outstanding amount as on date plus the applicable taxes.
DOCUMENT/STATEMENT CHARGES Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents. Download your e-statements/letters/certificates at no extra cost by logging into customer portal – Experia. You can get a physical copy of your statements/letters/certificates/list of documents from any of our branches at a charge of Rs. 50 (inclusive of applicable taxes) per statement/letter/certificate.
Bounce charges of the repayment instrument(s) In case of default because of the repayment instrument(s) being dishonoured, BFL shall chargeRs.450/- (Incl. taxes) (Rupees Four Hundred Fifty Only) per month/per default towards its dishonour.
Rate of Interest Insta credit of Rs.5000 -: 28% (p.a)
Insta credit of Rs.7000 -: 19% (p.a)
Insta credit of Rs.10000-: 13% (p.a)
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.

Fees & Charges for Bajaj Finserv Wallet

Bajaj Finserv Wallet – Fees & Charges
Service Charges (Rs.)
Account opening Rs. 0/-
Load Money Charges (Rs.)
Through Credit card Up to 2% 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 Upto 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.

Professional Loan Against Property

The following fees and charges are applicable on a Loan Against Property for Professionals:

Types of Fees Charges Applicable
Rate of interest 12.5 % p.a. onwards
Processing fee Up to 2% of the loan amount (Plus Applicable Taxes)
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of Applicable taxes) per statement/letter/certificate.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Bounce charges Rs. 2000 inclusive of Applicable taxes
Document processing charges Rs. 2000 + applicable taxes
Property Insight Rs.6999 inclusive of applicable taxes
Stamp Duty At actuals. (as per State)

Annual/Additional Maintenance Charges -

Details Charges
Flexi Term Loan 0.25% of the current Flexi Term Loan amount + Applicable taxes (as per the repayment schedule) on the date of levy of such charges
Flexi Hybrid Loan 0.5% of the loan amount + Applicable taxes during initial tenure. 0.25% of the current Flexi Term Loan amount + Applicable taxes during Subsequent Tenure

Full Pre-Payment (Foreclosure) Charges

Loan Variant Applicable Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment) 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment.
Flexi Term Loan 4% + applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.
Flexi Hybrid Loan 4% + applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment

Part-Prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant More than 1 month from date of loan disbursal. 2% + applicable taxes on part-payment amount paid.

Business Loan Against Property

The following charges are applicable on Loan Against Property for Business Loan-

Types of Fees Applicable Charges
Rate of interest 17% p.a. onwards
Processing fees Up to 2% of the loan amount (Plus Applicable Taxes)
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.

You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of Applicable taxes) per statement/letter/certificate.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
Bounce charges Rs. 2000 inclusive of Applicable taxes
Document processing charges Rs. 2000 + applicable taxes
Property Insight Rs.6999 inclusive of applicable taxes
Stamp Duty At actuals. (as per State)

Annual/Additional Maintenance Charges -

Loan Variant Charges
Flexi Term Loan 0.25% plus applicable taxes of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges.
Flexi Hybrid Loan 0.5% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.

Full Prepayment (Foreclosure) Charges

Loan Variant Applicable Charges
Loan (Term Loan/Advance EMI/ Step-Up Structured Monthly Instalment/ Step-Down Structured Monthly Instalment) 4% + applicable taxes on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment.
Flexi Term Loan 4% + applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment.
Flexi Hybrid Loan 4% + applicable taxes of the Total Withdrawable Amount as per the repayment schedule, on the date of such full Pre-Payment

Part Prepayment Charges

Borrower Type Time Period Part-Prepayment Charges
Not applicable if the Borrower is an Individual and the Loan is availed on floating interest rate and not applicable for Flexi Term Loan/Hybrid Flexi variant More than 1 month from date of loan disbursal. 2% + applicable taxes on part-payment amount paid.

Healthcare/Medical Equipment Finance- Fees and Charges

Types of Fees Charges Applicable
Rate of interest Starting 10.49% to 16%
Processing fees 1%-2% of the sanctioned loan amount plus Applicable taxes
Stamp Duty payable/Legal, Repossession and Incidental Charges The actual stamp duty payable and the actual legal and incidental charges under Applicable Law.
Stamp Duty At actuals. (as per State)
Bounce Charges Rs. 3000 (Inclusive of applicable taxes)
Legal, repossession and incidental charges At actuals
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 2% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI.
DOCUMENT/STATEMENT CHARGES

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia. You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of applicable taxes) per statement/letter/certificate.

Prepayment Charges and Annual Maintenance charges

Part Prepayment Charges Nil
Full Prepayment (Foreclosure) Charges Nil
For Hybrid Flexi loan AMC charges 0.25 to 0.5% plus applicable taxes of the Total Withdrawable Amount during initial tenure. 0.25% plus applicable taxes of the Total Withdrawable Amount during subsequent tenor.

Mandate Rejection Service Charge*: Rs 450 (Inclusive of applicable taxes)

*Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.

Applicable for all products.


Additional cess will be applicable on all charges for all products in accordance with the state specific laws.