Bajaj Finance Fees and Charges

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Bajaj Finance offers attractive interest rates on personal loans ranging from Rs. 40,000 to Rs. 55 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 Finance 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 per annum	10% to 30% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) Will be deducted upfront from loan amount.
Bounce charges	Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Part-prepayment charges	Full Pre-payment: 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 (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment. 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. Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum 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 (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit during Subsequent Tenure
Credit guarantee scheme fee	Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal fee	Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. Renewal Fee to be collected only for 3 subsequent financial years. *If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

Bajaj Finance 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	Rate of interest per annum is in the range of 14% - 23% For Emergency Credit Line Guarantee Scheme (ECLGS) 5.0: 8.50% p.a. to 13% (RBI Repo Rate/BFRR + Spread). Interest rate chargeable for ECLGS is capped at 13%.
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 16,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment: • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term (Dropline) Loan: Up To 0.59% (Inclusive Of Applicable Taxes) Of The Dropline Limit (As Per The Repayment Schedule) On The Date Of Levy Of Such Charges. Flexi Hybrid Term Loan: Up To 1.18% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Loan Tenor. Up To 0.59% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Loan Tenor.
Bounce charges	Rs. 1500/- 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 at the rate of 36% per annum 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
Credit Guarantee Scheme Fee	Credit Guarantee Fund for Micro Units (CGFMU): Credit Guarantee Scheme fee - Up to 1.18% p.a. (pro rated daily till 31st March) (inclusive of all applicable taxes) of loan amount. Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE): Credit Guarantee Scheme fee – Up to 0.885% (inclusive of all applicable taxes) of loan amount (for first 12 months).
Credit Guarantee Scheme Renewal Fee	Credit Guarantee Fund for Micro Units (CGFMU): Credit Guarantee Scheme Renewal fee – Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount/Dropline limit as on April 01 of the subsequent Financial Year. Renewal Fee to be collected only for 3 subsequent financial years. If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE): Credit Guarantee Scheme Renewal fee – Up to 0.885% (inclusive of all applicable taxes) annually on the outstanding loan amount/Dropline limit as on the last day of the month preceding the anniversary date of pool submission If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

Note: For loans under the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0, only Stamp Duty, Penal Charge, and Bounce Charges are applicable.

Types of fee	Applicable charges
Rate of interest	10% - 18% 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 Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 29,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full Pre-payment 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 (Dropline) Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Hybrid Term Loan/Pure Flexi Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment. Part Pre-payment Term Loan: Up to 4.72% (inclusive of applicable taxes) of principal loan amount prepaid on the date of such part pre-payment. Not Applicable: Flexi Term (Dropline) Loan, Flexi Hybrid Term Loan, and Pure Flexi Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Annual maintenance charges	Term Loan: Not applicable Flexi Term (Dropline) Loan: Not applicable Flexi Hybrid Term Loan: Up to 0.295% (inclusive of applicable taxes) of the dropline limit during initial loan tenure. Not applicable for subsequent loan tenure. Pure Flexi: 0.295% (inclusive of all taxes) will be applicable across all tenures.
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: Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum 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
Mortgage origination fees	Up to Rs. 6,000 per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount

Types of fees	Charges applicable
Rate of interest	7% - 13% per Annum For ECLGS: Rate of interest per annum is in the range of 7% - 13% For ECLGS loans Max ROI will be capped at 13% and same will be applicable for the entire loan tenure.
Processing fee	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Prepayment charges	Full Pre-payment As per 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 pre-payment Part Pre-payment Up to 4.72% (Inclusive of applicable taxes) of the outstanding amount of Loan prepaid on the date of such part Pre-Payment. Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 3000/- 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 at the rate of up to 4% per annum over and above the prevailing rate of Interest per instalment from the respective due date until the date of receipt of the full instalment(s) amount along with Late Payment Interest (Prevailing Rate of Interest on the Entire Overdue Instalment Amount. For Breach in any other Sanctioned Terms and Conditions (Including PDD / Covenants, LEI non submission, Delay in opening of Escrow account etc) – Interest Rate of the Loan Availed/Outstanding to be increased by 2% p.a till the time the breach is complied/perfected. Click here to view the same.
Stamp duty (as per respective state)	Payable as per state laws and borne by the Customer.
Discounting charges/ upfront interest / front ended interest	7% - 13% per annum
Legal Charges	Recovery of charges
Valuation Charges	As applicable at actuals

Note: For ECLGS Loans, only Stamp Duty, Penal Charge and Bounce Charges are applicable.

Type of fee	Applicable charges
Rate of interest	Up to 24% per annum
Processing fee	Up to 5% of the loan amount (inclusive of applicable taxes)
Documentation and hypothecation charges	Up to Rs. 1,500 (inclusive of applicable taxes) collected upfront
Stamp duty	Payable as per state laws and deducted upfront from loan amount
Valuation charge	Up to Rs. 2,000 (Inclusive of applicable taxes) For New: Not Applicable For EV Battery: Not Applicable For Used: Up to Rs. 2,000 For Refinance: Up to Rs. 2,000
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
Bounce charge	Up to 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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Repossession / Surrender charges	Capping of up to Rs. 5,000 or At actual Fees charged to the customer for repossession/surrender cost incurred by the Company.

Type of fee	Applicable charges
Rate of Interest	Up to 27% per annum
Processing Fee	Up to 5% of the loan amount (Inclusive of applicable taxes)
Documentation & Hypothecation charges	Up to Rs. 1,500 (inclusive of applicable taxes) collected upfront
Stamp Duty	Payable as per state laws and deducted upfront from loan amount
Valuation charges	Up to Rs. 2,000 (Inclusive of applicable taxes) For New: Not Applicable For EV Battery: Not Applicable For Used: Up to Rs. 2,000 For Refinance: Up to Rs. 2,000
Pre-payment charges	Full Pre-payment: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment 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.
Bounce Charges	Up to 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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Repossession / Surrender charges	Capping of up to Rs. 5,000 or At Actual (Inclusive of applicable taxes) Fees charged to the customer for repossession/surrender cost incurred by the Company.

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

Type of fee	Applicable charges
Interest rate	9.50% to 24% per annum
Processing fees	0.20% of the loan amount (Inclusive of applicable taxes). Subject to a minimum Rs. 150/- (Inclusive of applicable taxes) & maximum of Rs. 1000/- (Inclusive of applicable taxes) and deducted upfront from loan amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount
Penal charge	3% per annum on Outstanding Balance. Penal Charge will be over and above the interest rate 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 part release of ornament(s) pledged.
Pre-payment charges	Full Pre-payment: Nil, any time post disbursement of loan. Part Pre-payment: Nil, any time post disbursement of loan.

The following charges are applicable on loan against securities

Types of fees	Charges applicable
Interest rate	8% to 12% per annum
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes).
Prepayment charges	Full pre-payment - Sanction amount up to Rs. 5 Cr – Nil. Sanction amount greater than Rs. 5 Cr – Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. Part pre-payment - Sanction amount Up-to 5 Cr – Nil. Sanction amount greater than 5 Cr – Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment. Note: If the primary borrower is an individual or Micro & Small Enterprises (MSEs) with or without a co-borrower and the loan is availed on floating rate of interest, then there will be no foreclosure/part-prepayment charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1200/- 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 the 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 at the rate of 18% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Brokerage charges*	As applicable at actuals
Pledge confirmation charges	Up to Rs. 59 per ISIN (Inclusive of Applicable Taxes)
Pledge invocation charges	0.02% (Minimum Rs. 65 and Maximum Rs.1186) (Inclusive of Applicable Taxes) + Stamp duty as applicable by the depository participant
Demat share transfer charges (post invocation)	0.02% (Minimum Rs. 65 and Maximum Rs. 1186) (Inclusive of Applicable Taxes)
Legal charges	Recovery of charges
Annual maintenance charges/ renewal fee	Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount.
Lien charges	Up to Rs. 590 (Inclusive of Applicable Taxes)
Un-lien charges	Up to Rs. 590 (Inclusive of Applicable Taxes)

*Charges levied by Broker 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	From 8% p.a. to 12% p.a. 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).
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. Note: If the primary borrower is an individual or Micro & Small Enterprises (MSEs) with or without a co-borrower and the loan is availed on floating rate of interest, then there will be no foreclosure/part-prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1200/- 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 the 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 at the rate of 24% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Legal charges	Recovery of charges
Renewal fees	Up to Rs. 2950/- (inclusive of applicable taxes) to be collected on renewal.

The following charges are applicable on used car finance:

Type of fee	Applicable charges
Rate of interest	10% to 18% 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).
Prepayment charges	Full Pre-payment (Foreclosure) Charges: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full pre-payment. Part Pre-payment Charges: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Note:- If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of Up-to 24% per annum 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
Repossession charges	Capping of up to Rs. 50,000 or at actual
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)
Flexdrive charges	Up to 2% of vehicle price

Note
In the event of loan cancellation, customer shall also bear the interest accrued on the loan till the date of cancellation and stamp duty charges levied on loan at the time of loan origination.

Type of fee	Applicable charges
Rate of interest	Up to 12% 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).
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 For New Car Finance, No foreclosure charges will be applicable after 24 months provided the payment is made from own funds from the account registered with BFL for repayment and there are no bounces in the preceding 12 months from the date of foreclosure. 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. Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1500 per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of Up-to 24% per annum 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 loan amount
Repossession charges	Capping of up to Rs. 50,000 or At Actual
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).
Flexdrive charges	Up to 1% of ex-showroom price

Also Get a Bajaj Finance 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% - 17% per annum For Emergency Credit Line Guarantee Scheme (ECLGS): 8.50%p.a to 13% p.a.
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs. 999/- to Rs. 16,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of such full prepayment. Flexi Term (Dropline) Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount, as on the date of 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 Term (Dropline) Loan and Flexi Hybrid Term Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.472% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.59% (Inclusive of applicable taxes) of the Dropline limit during Initial loan tenor. Up to 0.472% (Inclusive of applicable taxes) of Dropline limit during Subsequent loan tenor
Bounce charges	Rs. 1500/- 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 at the rate of 36% per annum 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.

Note: For Emergency Credit Line Guarantee Scheme, only Stamp Duty Charge is applicable.

Type of fee	HL - General	HL - SAL	HL - SE	HL - SE PROF (DOC)
Rate of interest for home loan	7.25%* to 20%* p.a.	7.25%* to 20%* p.a.	7.70%* to 20%* p.a.	7.30%* to 20%* p.a.
Rate of interest for home loan balance transfer	7.30%* to 20%* p.a.	7.30%* to 20%* p.a.	7.95%* to 20%* p.a.	7.35%* to 20%* p.a.
Rate of interest for home loan balance transfer & Top-Up	8.30%* to 10.40%* p.a.	8.30%* to 10.40%* p.a.	9.20%* to 10.85%* p.a.	8.40%* to 10.45%* p.a.
Processing fee	A nominal fee is charged at the application stage to cover various loan processing costs.
Bounce charge	For loan amounts up to Rs. 15 lakhs: Rs. 500 For loan amounts from Rs. 15,00,001 to Rs. 30,00,000: Rs. 500 For loan amounts from Rs. 30,00,001 to Rs. 50,00,000: Rs. 1,000 For loan amounts from Rs. 50,00,001 to Rs. 1,00,00,000: Rs. 1,000 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. 3,000 For loan amounts more than Rs. 10 crores: Rs. 10,000.
Penal charges	Click here to know about the penal charges.
Interest and principal statement charges	NIL
Part-prepayment charges	a. Individual borrowers with Home Loans linked to floating interest rates: NILb. Fixed rate loans (all borrowers, including individuals)*For Term Loan: 4% on Part Payment Amount For Flexi Term Loan: Nil For Flexi Hybrid Loan: Nil GST as applicable will be payable by the borrower in addition to the Prepayment Charges. *Nil for Home Loans closed by borrowers out of their own sources. Own sources refer to any source, other than borrowing from a bank/NBFC/HFC and/or a financial institution. Note: In case of Dual Rate Loans (fixed for initial period and then floating), the Foreclosure / Part-payment charges will be applicable as per the status (fixed/floating) of the loan as on Foreclosure / Part-payment day.
Foreclosure Charges	a. Individual borrowers with Home Loans linked to floating interest rates: NIL b. Fixed rate loans (all borrowers, including individuals)** For Term Loan: 4%* on Principal Outstanding For Flexi Term Loan: 4%* on the available Flexi Loan Limit For Flexi Hybrid Loan: 4%* on Sanctioned Amount during Flexi Interest Only Loan Repayment Tenure; and Up to 4%on the available Flexi Loan Limit during Flexi Term Loan Tenure GST as applicable will be payable by the borrower in addition to the Prepayment Charges. **Nil for Home Loans closed by borrowers out of their own sources. Own sources refer to any source, other than borrowing from a bank/NBFC/HFC and/or a financial institution. Note: In case of Dual Rate Loans (fixed for initial period and then floating), the Foreclosure / Part-payment charges will be applicable as per the status (fixed/floating) of the loan as on Foreclosure / Part-payment day.

Types of fees	Charges applicable
Rate of interest	11% to 17% per annum For Emergency Credit Line Guarantee Scheme (ECLGS): 8.50%p.a to 13% p.a.
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs. 999/- to Rs. 16,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full Pre-payment 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes)on the outstanding loan amount,As On The Date Of Full Pre-Payment. Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount,As On The Date Of Full Pre-Payment. Part Pre-payment Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.472% (inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.590% (inclusive of applicable taxes) of the Dropline limit during initial loan tenor. Up to 0.472% (inclusive of applicable taxes) of Dropline limit during subsequent loan tenor.
Bounce charges	Rs. 1500/- 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 at the rate of 36% per annum 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.

Note: For Emergency Credit Line Guarantee Scheme, only Stamp Duty Charge is applicable.

Types of fees	Applicable charges
Rate of interest (fixed or floating rate of interest)	8% to 14% per annum (fixed or floating rate of Interest)
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 facility charge	Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 29,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full Pre-payment 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 (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, As on The Date of Full Prepayment. Flexi Hybrid Term Loan/ Pure Flexi Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, As on The Date of Full Prepayment Part Pre-payment Term loan: Up to 4.72% (Inclusive of applicable taxes) of principal loan amount prepaid on the date of such part pre-payment Not Applicable - Flexi Term (Dropline)Loan, Flexi Hybrid Term Loan and Pure Flexi Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Annual maintenance charges	Term Loan: Not Applicable Flexi Term (Dropline)Loan: Not applicable Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline Limit during Initial Loan tenure. Not applicable for subsequent loan tenure” Pure Flexi : 0.295% (Inclusive of all taxes)will be applicable across all tenures
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Penal charge is applicable in the following scenarios: Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum 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
Mortgage origination fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount

**The option of switching from floating to fixed rate of interest and vice versa would be applicable only to Borrowers whose loan qualify as personal loan as per RBI circular on Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans- RBI/2023-24/55-DOR.MCS.REC.32/01.01.003/2023-24.
Personal loans refers to loans given to individuals and consist of (a) consumer credit, (b) education loan, (c) loans given for creation/ enhancement of immovable assets (e.g., housing, etc.), and (d) loans given for investment in financial assets (shares, debentures, etc.).
Further, Consumer credit refers to the loans given to individuals, which consists of (a) loans for consumer durables, (b) credit card receivables, (c) auto loans (other than loans for commercial use), (d) personal loans secured by gold, gold jewellery, immovable property, fixed deposits (including FCNR(B)), shares and bonds, etc., (other than for business / commercial purposes), (e) personal loans to professionals (excluding loans for business purposes), and (f) loans given for other consumptions purposes (e.g., social ceremonies, etc.). However, it excludes (a) education loans, (b) loans given for creation/ enhancement of immovable assets (e.g., housing, etc.), (c) loans given for investment in financial assets (shares, debentures, etc.), and (d) consumption loans given to farmers under KCC. For risk weighting purposes under the Capital Adequacy Framework, the extant regulatory guidelines will be applicable. (as defined in XBRL Returns – Harmonization of Banking Statistics-RBI/2017-18/117-DBR.No.BP.BC.99/08.13.100/2017-18)

Bajaj Pay Service – Fees and Charges
Service	Charges (Rs.)
Account opening or upgrade (Full KYC wallet) for new customers	Up to Rs. 50/- (Inclusive of applicable taxes)
Load money	Charges (Rs.)
Through credit card	Up to 5% per transaction (inclusive of applicable taxes)
Through debit card	Up to 5% per transaction (inclusive of applicable taxes)
Through UPI	Rs. 0
Through UPI (Via Rupay Credit Card)	Up to 5% per transaction (Inclusive of applicable taxes)
Through Net Banking	Up to 5% per transaction (inclusive of applicable taxes)
*Subjected to charges approved within regulatory guidelines and may get revised time to time
Payment	Charges (Rs.)
Payment at merchant	Rs. 0
Payment to utility bill/recharges/DTH	Up to 5% per transaction (Inclusive of applicable taxes)
*Subjected to charges approved within Regulatory guidelines and may get revised 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 and taxes are reversed.
*Additional Cess will be applicable as per state specific laws.
New customers are those who does not have any existing relationship with the Bajaj Finance Ltd and includes small PPI holders as well.

Types of fees	Charges applicable
Rate of interest	Up to 14% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360/- (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi variant (as applicable below) - (Inclusive of applicable taxes) Flexi Hybrid Term Loan: Up to Rs 5999/- to Rs 29999/- (Inclusive of applicable taxes) Will be deducted upfront from loan amount. *(Loan amount includes approved loan amount, Insurance Premium, VAS Charges, Documentation charges)
Prepayment charges	Full Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) On The Outstanding Loan Amount As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. • Not Applicable For Flexi Hybrid Term Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1500/- 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 at the rate of 36% per annum 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 loan amount
Repossession Charges	Capping of up to Rs. 30,00,000/- or at actual
LC processing fees	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Credit Guarantee Scheme fee	Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE) Credit Guarantee Scheme fee - Upto 0.885% (inclusive of all applicable taxes) of loan amount (for first 12 months).
Credit Guarantee Scheme Renewal fee	Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE) Credit Guarantee Scheme Renewal fee - Upto 0.885% (inclusive of all applicable taxes) annually on the outstanding loan amount/Dropline limit as on the last day of the month preceding the anniversary date of pool submission *If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

To know more about terms & conditions for availing loan through EMI Card, click here

The following charges are applicable on Insta EMI Card/ EMI Network Card
Type of fee	Applicable charges
EMI Network Card fee	One-time Upfront Joining fee of Rs. 530/- (inclusive of applicable taxes)

The following charges are applicable for availing loan through Insta EMI Card/ EMI Network Card

Type of fee	Applicable charges
Processing fee	Up to Rs 1,017/- (inclusive of applicable taxes) collected upfront / in 1st EMI.
Upfront Interest	Up to Rs. 1017 /- collected upfront or in 1st EMI / in 1st EMI
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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Convenience fee	For ETB* Upto ₹ 270/- (Inclusive of applicable taxes) will be collected upfront / along with 01st instalment *Existing To Bajaj - Transaction processed for EMI Card Holder

FEES AND CHARGES
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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Convenience fee	ETB – Up to Rs.270/- (Inclusive of applicable taxes) will be collected upfront / along with 01st instalment. Existing to Bajaj- Transaction processed through EMI Network Card Holder

To know more about the terms and conditions for availing loan through EMI Card, click here.

Processing fee varies from products, schemes, and dealers purchased on the EMI Network categories.

Type of fees	Amount (Rs.)/ Percentage (%) and Description
Processing fees	Up to Rs 1,017/- (inclusive of applicable taxes) collected upfront or in 1st EMI.
Upfront Interest	Up to Rs.1,017/- Collected upfront/ 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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Convenience fee	For ETB* Upto Rs. 270/- (Inclusive of applicable taxes) will be collected upfront / along with 01st instalment For NTB** Upto Rs. 320/- (Inclusive of applicable taxes) will be collected upfront / along with 01st instalment Existing To Bajaj - Transaction processed for EMI Card Holder *New To Bajaj - Transaction Processed for Non-EMI Card Holder (Not Applicable for Insurance Distribution)
Credit Suraksha fee	Rs 59/- (Inclusive of applicable taxes) wherever applicable
Full prepayment (Foreclosure) charges	Full Pre-payment: 4.72% (Inclusive of applicable taxes) on the principal outstanding loan amount as on the date of full pre-payment for all interest-bearing schemes. Nil for non-interest-bearing schemes.
Part-prepayment	Part Pre-payment: 4.72% (inclusive of applicable taxes) of the principal amount being prepaid, applicable on interest-bearing loan schemes. NIL for non-interest-bearing schemes.

The following charges are applicable on mobile recharges and bill payments:

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

*Convenience fee is applicable on specific payment instrument and subject to revision time to time

Note - For failed transactions, total amount including charges except taxes are reversed.

Type of Fees	Applicable Charges
Rate of interest	7.5% to 10% Per Annum
Processing Fees	Up to 2.36% of the loan amount (Inclusive of applicable taxes)
Documentation Charges	Up to Rs. 9,500/- (Inclusive of applicable taxes)
Stamp Duty	Payable as per state laws
Annual Maintenance Charges	Term Loan: Not Applicable Flexi Term(Dropline)Loan: Up to 0.295 % (Inclusive of applicable taxes) of the Total Dropline Limit (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Total Dropline Limit during Initial Loan tenure. Not applicable for subsequent loan tenure”.
Mortgage Origination Fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Commitment Fee	Maximum up to total PF amount
Bounce Charge	Up to Rs. 1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Penal charge is applicable in the following scenarios: Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Pre-payment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Repossession charges	Capping of Up to Rs 30,00,000/- or at actual
Subsequent Disbursement Visit Charges	Up to Rs. 799/- (Inclusive of applicable taxes) per visit

Type of Fees	Applicable Charges
Rate of interest	14% to 23% per annum
Processing Fees	Up to 4.72% of the loan amount (Inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 16,999/- (Inclusive of applicable taxes) will be deducted upfront from loan 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 (Dropline) Loan: Up To 0.59% (Inclusive Of Applicable Taxes) Of The Dropline Limit (As Per The Repayment Schedule) On The Date Of Levy Of Such Charges. Flexi Hybrid Term Loan: Up To 1.18 % (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Loan Tenor. Up To 0.59% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Loan Tenor
Pre-payment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment: • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan
Bounce Charges	Rs. 1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Credit Guarantee Scheme Fee	Credit Guarantee Fund for Micro Units (CGFMU): Credit Guarantee Scheme fee - Up to 1.18% p.a. (pro rated daily till 31st March) (inclusive of all applicable taxes) of loan amount. Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE): Credit Guarantee Scheme fee – Up to 0.885% (inclusive of all applicable taxes) of loan amount (for first 12 months).
Credit Guarantee Scheme Renewal Fee	Credit Guarantee Fund for Micro Units (CGFMU): Credit Guarantee Scheme Renewal fee – Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount/dropline limit as on April 01 of the subsequent financial year. Renewal Fee to be collected only for 3 subsequent financial years. If the remaining tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE): Credit Guarantee Scheme Renewal fee – Up to 0.885% (inclusive of all applicable taxes) annually on the outstanding loan amount/dropline limit as on the last day of the month preceding the anniversary date of pool submission If the remaining tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

Type of Fees	Applicable Charges

Rate of interest	7.5% p.a. to 18% p.a.
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 Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 29,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Stamp Duty	Payable as per state laws
Annual Maintenance Charges	Term Loan: Not Applicable Flexi Term (Dropline)Loan: Not applicable Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline Limit during Initial Loan tenure. Not applicable for subsequent loan tenure”.
Mortgage Origination Fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount
Pre-payment charges	Full Pre-Payment •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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. •Flexi Hybrid Term Loan/ Pure Flexi Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, As On The Date Of Full Prepayment Part Pre-Payment •Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment •Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce Charges	Rs. 1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Penal charge is applicable in the following scenarios: Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Type of fee	Applicable charges
Rate of interest (floating)	9% to 12% per annum
Processing fees	Up to 2.36% of the loan amount (Inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360/- (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi variant (as applicable below) - (Inclusive of applicable taxes) Flexi Term Loan (Flexi Dropline) - Up to Rs. 5999/- will be deducted upfront from loan amount. *(Loan amount includes approved loan amount, Insurance Premium, VAS Charges, Documentation Charges)
Pre-payment 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 (Dropline) Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Part prepayment Term Loan: Up to 2.36% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. Not applicable for Flexi Term (Dropline) Loan Note:- If the primary borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on floating rate of interest, then there will be no foreclosure/part-prepayment charges applicable, irrespective of the source of funds used for prepayment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1500/- 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: Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum the 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
Mortgage origination fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes). * In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Commitment fee	Maximum up to total PF amount.

The following are the fees and charges applicable on the Bajaj Pay FASTag:

Types of Fees	Charges (Rs.) (Inclusive of applicable taxes)
Issuance Fee (VC04)	Rs. 100
Issuance Fee (Other Vehicles)	Up to Rs. 500
Reissuance Fee (VC04)	Rs. 100
Reissuance Fee (Other Vehicles)	Up to Rs. 500

Note - All fees and charges may change with regulatory approval and can be revised periodically

Rate of Interest
Minimum	Maximum	Average in Q1 FY 27
23% p.a.	25% p.a.	23.60% p.a.

Type of fee	Applicable charges
Processing fees	Up to 1.50% (inclusive of applicable taxes) of the total loan amount
Prepayment charges	Part-prepayment – NIL Full prepayment – NIL
Bounce charges	Up to Rs. 50/- per bounce. "Bounce Charges" shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason including non payment on due date in centre meeting.
Penal charge	Delay in payment of instalment for more than 7 days from the due date of instalment shall attract penal charge of Up to 36% P.a. for every delayed instalment, until the receipt of instalment

*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.

Additional cess/ taxes, if any, will be applicable on all charges as per the respective state laws as may be applicable from time to time.

Types of fees	Charges applicable
Rate of interest	11% - 17% p.a For Emergency Credit Line Guarantee Scheme (ECLGS): 8.50%p.a to 13%p.a.
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs 999/- to Rs 16,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term (Dropline) Loan: Up To 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit (As Per The Repayment Schedule) On The Date Of Levy Of Such Charges. Flexi Hybrid Term Loan: Up To 0.59% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Loan Tenor. Up To 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Loan Tenor.
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonours 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

Note: For Emergency Credit Line Guarantee Scheme, only Stamp Duty Charge is applicable.

The following charges are applicable on ESOP financing:

Types of fees	Charges applicable
Interest rate	8% p.a. to 14% p.a.
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 the applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment Note: If the primary Borrower is an individual or Micro & Small Enterprises (MSEs) with or without a co-borrower and the loan is availed on floating rate of interest, then there will be no foreclosure/part-prepayment charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1200/- 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.
Annual maintenance charges	Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of 24% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
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/RTA to BFL and the same is being passed on to the clients

The following charges are applicable on IPO financing

Types of fees	Charges applicable
Interest rate	8% to 24% per annum and/or flat interest up to Rs. 30000 per IPO application till date of allotment.
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes)
Part-prepayment charges	Not applicable
Bounce charges	Not applicable
Penal charge	Delay in payment of outstanding dues shall attract penal charge at the rate of 24% per annum on the outstanding dues from the respective due date until the date of receipt of the full payment
Brokerage charges*	As applicable
DP charges**	As applicable
Account opening charges	Up to Rs. 5000 (inclusive of applicable taxes)
Pledge confirmation charges**	As applicable
Pledge invocation charges**	As applicable
Demat share transfer charges (post invocation)**	As applicable
Legal charges	Recovery of charges

*Charges levied by Broker to BFL and the same is recovered from the clients.

**Charges levied by NSDL to BFL and the same is recovered from the clients.

Type of fee	Applicable charges
Rate of interest	Up to 20% per annum
Processing fees	Up to 3% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 3,481 (inclusive of applicable taxes)
Stamp duty	Payable as per state laws and deducted upfront from loan amount.
Prepayment charges	Full Pre-payment (Foreclosure) Charges Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment. Part Pre-payment Charges: 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.
Bounce charge	Up to Rs. 1,000 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	Delay in payment of installment (s) shall attract Penal Charge at the rate of 24% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Repossession Charges	Capping of up to Rs. 50,000 or at actual
NOL (No Objection Letter) charges (To convert from Private to commercial or Interstate Transfer)	Up to Rs. 500 (inclusive of applicable taxes) (Will be charged separately for tractor and registered implements)

Type of fee	Applicable charges
Rate of interest	Up to 23% p.a.
Processing fees	Up to 3% of the loan amount (inclusive of applicable taxes).
Documentation charges	Up to Rs. 3,481 (inclusive of applicable taxes).
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
Prepayment charges	Full Pre-payment (Foreclosure) Charges Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount payable by the borrower on the date of such full pre-payment. Part Pre-payment Charges: 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.
Bounce charges	Up to Rs. 1,000 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	Delay in payment of instalment(s) shall attract Penal Charge at the rate of 24% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Repossession charges	Capping of up to Rs. 50,000 or At Actual
NOL (No Objection Letter) charges (To convert from private to commercial or interstate transfer)	Up to Rs. 500 (inclusive of applicable taxes) (To be charged separately for Tractor and Registered Implements)

Type of fee	Applicable charges
Rate of interest	Up to 14% per annum
Processing fee	Up to 2.0% of the loan amount (inclusive of applicable taxes)
Annual maintenance charges	Up to 1.18% of the loan amount (inclusive of applicable taxes)
Penal charge	Delay in payment of dues shall attract penal charge at the rate of up to 8% per annum applicable on the dues outstanding, from the respective due date until the date of receipt of dues.
Stamp duty	Payable as per state law

Below are the charges applicable on affordable home loan:

Type of fee	Applicable charges
Rate of interest	9% to 15% per annum
Annual Maintenance Charges	Term Loan: Not Applicable Flexi Term(Dropline)Loan: Up to 0.295 % (Inclusive of applicable taxes) of the Total Dropline Limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Total Dropline Limit during Initial Loan tenure. Not applicable for subsequent loan tenure”.
Mortgage Origination Fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Processing fees	Up to 2.36% of the loan amount (Inclusive of applicable taxes)
Documentation charges	Up to Rs. 9,500 (inclusive of applicable taxes)
Pre-payment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Up to Rs. 1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Penal charge is applicable in the following scenarios: Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum 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
Subsequent Disbursement Visit Charges	Up to Rs. 799 per visit (Inclusive of applicable taxes)
Repossession Charges	Capping of Up to Rs 30,00,000/- or at actual
Commitment Fee	Maximum up to total PF amount

Note: Three conversions are permissible, throughout the entire tenure.

Type of fee	Charges applicable
Annual maintenance charges	Not applicable

Type of fee	Applicable charges
Rate of interest	Up to 14% per annum
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 facility charge	Term Loan – Not applicable Flexi variant (as applicable below) - (Inclusive of applicable taxes) Flexi Hybrid Term Loan: Up to Rs 5999/- to Rs 29999/- (Inclusive of applicable taxes) Will be deducted upfront from loan amount. *(Loan amount includes approved loan amount, Insurance Premium, VAS Charges, Documentation charges)
Prepayment charges	Full Pre-Payment Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) On The Outstanding Loan Amount As On The Date Of Full Pre-Payment. Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. Not Applicable For Flexi Hybrid Term Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Rs. 1500/- 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 at the rate of 36% per annum 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 loan amount
Repossession Charges	Capping of up to Rs. 30,00,000/- or at actual
LC processing fees	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Credit Guarantee Scheme Renewal fee	Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE) Credit Guarantee Scheme Renewal fee - Upto 0.885% (inclusive of all applicable taxes) annually on the outstanding loan amount/Dropline limit as on the last day of the month preceding the anniversary date of pool submission *If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.
Credit Guarantee Scheme fee	Credit Guarantee Fund Scheme for Micro and Small Enterprises (CGTMSE) Credit Guarantee Scheme fee - Upto 0.885% (inclusive of all applicable taxes) of loan amount (for first 12 months).

Type of fee	Applicable charges
Rate of interest	9.50% - 15%
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 facility charge	Term Loan: Not Applicable Flexi Hybrid Term Loan: 1. Up to Rs. 7,999 for loan amount up to Rs. 40,00,000. 2. Up to Rs. 9,999 for loan amount above Rs. 40,00,000. Note: 1. The above-mentioned flexi facility charge will be deducted upfront from the loan amount.
Pre-payment charges	Full Pre-payment (Foreclosure) Charges Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes)on the outstanding loan amount, during initial and subsequent tenure on the date of such full pre-payment. Part Pre-payment Charges: 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 loan variants.
Annual maintenance charges	Term Loan: Not Applicable Flexi Hybrid Term Loan: (i) Up to 0.59% (Inclusive of applicable taxes) of the Dropline Limit during Initial Loan Tenure. (ii) Up to 0.295% (Inclusive of applicable taxes) of Dropline Limit during Subsequent Loan Tenure.
Bounce charges	Rs. 750 per bounce. “Bounce charges” per bounce shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.
Penal charges	Delay in payment of installment (s) shall attract Penal Charge at the rate of 24% per annum 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.
Repossession charges	Recovery of charges basis actual
NOC for Interstate Transfer	Upto Rs. 500/- (Inclusive of applicable taxes)
Other NOC	Upto Rs. 1,180/- (Inclusive of applicable taxes)

Type of fee	Applicable charges
Rate of interest	11% - 19.50% 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 facility charge	Term Loan: Not Applicable Flexi Hybrid Term Loan: 1. Up to Rs. 7,999 for Loan amount up to Rs. 40,00,000. 2. Up to Rs. 9,999 for Loan amount above Rs. 40,00,000. Note: 1. The above mentioned flexi facility charge will be deducted upfront from the loan amount.
Pre-payment charges	Full Pre-payment (Foreclosure) Charges: Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower on the date of such full pre-payment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, during initial and subsequent tenure on the date of such full pre-payment. Part Pre-payment Charges: 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 loan variants.
Annual maintenance charges	Term Loan: Not Applicable. Flexi Hybrid Term Loan: Up to 0.59% (inclusive of applicable taxes) of the Dropline Limit during Initial Loan Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline Limit during Subsequent Loan Tenure.
Bounce charges	Rs. 750 per bounce. “Bounce charges” per bounce shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of 24% per annum 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 loan amount.
Repossession charges	Recovery of charges basis actual
NOC for Interstate Transfer	Up to Rs. 500 (inclusive of applicable taxes)
Other NOC	Up to Rs. 1,180 (inclusive of applicable taxes)
Upfront Valuation Charges	Up to Rs. 1500 (Inclusive of applicable taxes) applicable for used vehicle

Fees & Charges
Customer Convenience Fees – BBPS Category	Category	Slab (In INR)	Customer Convenience Fees (In INR) (inclusive of tax) (Up to)
	BBPS, except FASTag Category	1 -1000	INR 5
		1001 -2999	INR 10
		Above 2999	INR 25
	BBPS, FASTag category	0 - 300	INR 5
		301 – 600	INR 10
		601 - 900	INR 15
		901 – 1200	INR 20
		Above 1200	INR 25
BBPS Categories excluded from Customer Convenience Fees	Book LPG Cylinders Credit Card Bills Loan Repayment DTH
Platform Fees – Prepaid Recharges	Category	Slab (In INR)	Platform Fees (In INR) (inclusive of tax) (Up to)
	Prepaid Recharges	10 - 1000	INR 5
		1001 - 2999	INR 10
		Above 2999	INR 25
Customer Convenience Fees – BBPS Category	1. Convenience fee is applicable on specific Category and subject to revision from time to time. 2. These are Charges basis agreement with the NPCI and aggregator, based on selected Category and subject to revision from time to time and it is the customer’s responsibility to verify the same before initiating the transactions at BFL Branches
Failed Transaction Refund Management	1. For Cash Failed transactions, total amount including charges & taxes will be reversed to customer. 2. For Digital Failed Transactions, total amount including charges & taxes will be reversed to customer.

Note - CCF chargeable or non-chargeable is subject to change as per NPCI guidelines with respect to BBPS Categories.

Type of fee	Applicable charges
Rate of interest	7.5% to 10% per annum
Mortgage Origination Fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes). *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Annual Maintenance Charges	Term Loan: Not Applicable Flexi Term(Dropline)Loan: Up to 0.295 % (Inclusive of applicable taxes) of the Total Dropline Limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Total Dropline Limit during Initial Loan tenure. Not applicable for subsequent loan tenure”.
Processing fees	Up to 2.36% of the loan amount (Inclusive of applicable taxes)
Documentation charges	Up to Rs. 9,500 (inclusive of applicable taxes)
Prepayment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, As On The Date Of Full Pre-Payment. Part Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan Note: If the primary Borrower is individual or Micro & Small Enterprises (MSEs) with or without co-borrower and loan is availed on Floating Rate of Interest, then there will be no Foreclosure / Part Prepayment Charges applicable, irrespective of the source of funds used for pre-payment of loans, either in part or in full, and without any minimum lock-in period.
Bounce charges	Up to Rs. 1500/- 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: Delay in payment of instalment(s) shall attract penal charge at the rate of 36% per annum 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
Repossession Charges	Capping of Up to Rs 30,00,000/- or at actual
Commitment fee	Maximum up to total PF amount
Subsequent disbursement visit charges	Up to Rs. 799 (Inclusive of applicable taxes) per visit

Type of fee	Applicable charges
Rate of interest	11%-17% per annum For Emergency Credit Line Guarantee Scheme (ECLGS): 8.50%p.a to 13%p.a.
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan – Not applicable Flexi Loan – Up to Rs. 999/- to Rs. 16,999/- (Inclusive of applicable taxes) will be deducted upfront from loan amount.
Prepayment charges	Full Pre-Payment • 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 (Dropline) Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount,as per the repayment schedule, as on the date of full prepayment. • Flexi Hybrid Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) on the outstanding loan amount, as per the repayment schedule, as on the date of full prepayment. Part Pre-Payment • Term Loan: Up To 4.72% (Inclusive Of Applicable Taxes) Of Principal Loan Amount Prepaid On The Date Of Such Part Pre-Payment. • Not Applicable For Flexi Term (Dropline) Loan And Flexi Hybrid Term Loan
Annual maintenance charges	Term Loan: Not Applicable Flexi Term (Dropline) Loan: Up To 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit (As Per The Repayment Schedule) On The Date Of Levy Of Such Charges. Flexi Hybrid Term Loan: Up To 0.59% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Loan Tenor. Up To 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Loan Tenor.
Bounce charges	Rs. 1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of 36% per annum 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.

Note: For Emergency Credit Line Guarantee Scheme, only Stamp Duty Charge is applicable.

Type of fee	Applicable charges
Rate of Interest	up to 19% per annum
Processing fee	Up to 4% (inclusive of applicable taxes) collected upfront
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 charges	Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Prepayment charges	Full/Part prepayment allowed post clearance of 1st EMI. Full Pre-payment Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. 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.
Stamp duty	Payable as per state laws

Types of fee	Applicable Charges (Rs.) (Inclusive of applicable taxes)
Issuance Fee	Up to Rs. 200 per card issued

Note:

(1) All fees and charges may change with regulatory approval and can be revised periodically

(2) *Charges may vary across payment methods like UPI, debit cards, credit cards, net banking, and networks

Type of fee	Applicable charges
Bajaj Prime Membership	One-time Upfront Membership Fees upto Rs. 699* (inclusive of applicable taxes) *Subject to the terms of the plan selected.
To know more about Terms & Conditions of Bajaj Prime Membership, click here.

Type of fee	Applicable charges
Rate of interest	7.75% - 13.00% p.a.
Processing fees	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2360 (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan: Not Applicable Flexi Hybrid Term Loan: 1. Up to Rs. 7,999 for loan amount up to Rs. 40,00,000. 2. Up to Rs. 9,999 for loan amount above Rs. 40,00,000. Note: 1. The above-mentioned Flexi facility charge will be deducted upfront from the loan amount.
Stamp duty	Payable as per state laws and deducted upfront from loan amount
Annual maintenance charges	Term Loan: Not Applicable. Flexi Hybrid Loan: Up to 0.59% (Inclusive of applicable taxes) of the Dropline Limit during Initial Loan Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline Limit during Subsequent Loan Tenure.
Pre-payment charges	Full Pre-payment (Foreclosure) Charges: Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount payable by the Borrower on the date of such full Pre-Payment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes)on the outstanding loan amount, during initial and subsequent tenure on the date of such full pre-payment. Part Pre-payment Charges: 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 loan variants.
Bounce charges	Rs. 750 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 installment (s) shall attract Penal Charge at the rate of 24.00% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Repossession charges	Capping of Up to Rs. 50,000 or At Actual
NOC for Interstate Transfer	Up to Rs.500 (inclusive of applicable taxes)
Other NOC	Up to Rs.1,180 (inclusive of applicable taxes)

Type of fee	Applicable charges
Rate of interest	9% - 14% p.a.
Processing fees	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2360 (inclusive of applicable taxes)
Flexi fee	Term Loan: Not Applicable Flexi Hybrid Term Loan: 1. Up to Rs. 7,999 for Loam amount up to Rs. 40,00,000. 2. Up to Rs. 9,999 for Loam amount above Rs. 40,00,000. Note: 1. The above-mentioned flexi facility charge will be deducted upfront from the loan amount.
Pre-payment charges	Full Pre-payment (Foreclosure) Charges: Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower on the date of such full pre-payment. Flexi Hybrid Term Loan: 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, during initial and subsequent tenure on the date of such full pre-payment. Part Pre-payment Charges: 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 loan variants.
Annual maintenance charges	Term Loan: Not Applicable. Flexi Hybrid Term Loan: Up to 0.59% (inclusive of applicable taxes) of the Dropline Limit during Initial Loan Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline Limit during Subsequent Loan Tenure.
Bounce charges	Rs. 750 per bounce. “Bounce charges” per bounce shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of 24% per annum 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.
Repossession charges	Capping of Up to Rs 50,000 or At Actual
Upfront Valuation charges	Up to Rs. 1,500 (Inclusive of applicable taxes) applicable for used vehicle
NOC for Interstate Transfer	Up to Rs.500 (inclusive of applicable taxes)
Other NOC	Up to Rs.1,180 (Inclusive of applicable taxes)

Type of fee	Applicable charges
Rate of Interest	9.00% to 22.00% per annum
Processing Fees	Up to 2.36% of the SCF facility amount (Inclusive of applicable taxes)
Stamp Duty (as per respective state)	Payable as per state laws
Bounce Charges	Rs. 1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor 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 at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Frequently Asked Questions

Fees & Charges

Overdue & Bounce Charges

Foreclosure & Prepayment

What is the processing fee on a Bajaj Finance personal loan?

The processing fee for a Bajaj Finance personal loan depends on the loan product and the applicable terms at the time of approval. You can check the latest charges on the official Bajaj Finance website or in your loan documents before accepting the loan.

Where can I see the charges specific to my loan?

You can view the charges applicable to your loan by signing in to the Bajaj Finance App or Customer Portal. You can also refer to your loan agreement, sanction letter or the official fees and charges page for product-specific information.

Are fees and charges inclusive of GST/taxes?

Applicable taxes, including GST, may be charged on certain fees and charges as per the prevailing tax laws. The exact amount depends on the type of charge and the applicable tax rates. Refer to your loan documents or the official fees and charges page for details.

What are the bounce charges for Bajaj Finance loans?

Bounce charges may apply if an EMI payment fails because the auto-debit transaction is unsuccessful. The applicable charges depend on your loan terms and the official schedule of fees and charges. You can check the latest charges on the Bajaj Finance website.

Does Bajaj Finance charge foreclosure or prepayment fees?

Foreclosure or prepayment charges may apply to certain loan products, depending on the loan agreement and applicable terms. The charges can vary by product. Refer to your loan documents or the official Bajaj Finance fees and charges page for the latest information.

What are the part-prepayment charges and minimum amount allowed?

The minimum amount and any applicable charges for part-prepayment depend on your loan product and its terms. These conditions may differ across products. Check your loan agreement or the official Bajaj Finance fees and charges page before making a part-prepayment.

How is the foreclosure amount calculated?

The foreclosure amount generally includes the outstanding principal and any applicable charges or other dues as per your loan agreement. The exact amount depends on your loan account and the date of foreclosure. You can request the latest foreclosure amount through Bajaj Finance.

What is the penal charge for delayed EMI payment?

A penal charge may apply if an EMI is not paid by the due date, subject to your loan agreement. The applicable amount varies by product and terms. You can check your loan documents or the official Bajaj Finance fees and charges page for details.

How do I pay my overdue EMI or bounce charges online?

You can pay your overdue EMI or applicable bounce charges by signing in to the Bajaj Finance App or Customer Portal. Follow the payment instructions shown for your loan account and keep the payment confirmation for your records after the transaction is completed.

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Bajaj Finance Fees and Charges

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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 Finance

Fees and charges of Three-Wheeler Finance

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, home loan balance transfer & top-up

Fees and charges of loan for doctors

Fees and charges of loan against property

Fees and charges of Bajaj Pay Wallet

Fees and charges of medical equipment finance

Fees and charges of EMI Network Card/ Insta EMI Card

Fees and charges of Health EMI Network Card

Fees and charges of Consumer Finance

Fees and charges of Mobile Recharge and Bill Payments

Fees and charges of B2B Dealer Banker Home Loan

Fees and charges of B2B Dealer Banker Business Loan

Fees and charges of B2B Dealer Banker Loan Against Property

Fees and charges of Lease Rental Discounting (LRD)

Fees and charges for Bajaj Pay FASTag

Fees and charges of group lending loans to individuals

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 used tractor finance

Fees and charges of Trade Advance and Retailer Finance

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 Retail Loan

Fees and charges of Used Commercial Vehicle Retail Loan

Fees and charges of Bill Payment at BFL Branches

Fees and charges of Prime Home Loan

Fees and charges of Lawyer Loan

Fees and charges of Solar and Ancillary Products

Fee and Charges of Gift PPI Product

Fees and charges of Bajaj Prime Membership

Fees and Charges of New Commercial Vehicle Fleet Loan

Fees and Charges of Used Commercial Vehicle Fleet Loan

Fees and Charges of Supply Chain Finance

Frequently Asked Questions

Fees & Charges

Overdue & Bounce Charges

Foreclosure & Prepayment

What is the processing fee on a Bajaj Finance personal loan?

Where can I see the charges specific to my loan?

Are fees and charges inclusive of GST/taxes?

What are the bounce charges for Bajaj Finance loans?

Does Bajaj Finance charge foreclosure or prepayment fees?

What are the part-prepayment charges and minimum amount allowed?

How is the foreclosure amount calculated?

What is the penal charge for delayed EMI payment?

How do I pay my overdue EMI or bounce charges online?

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