Bajaj Finserv Fees and Charges

Bajaj Finserv offers attractive interest rates on personal loans up 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 Finserv Personal Loan, you do not have to worry about any hidden fees or charges.

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

Type of fee	Applicable charges
Rate of interest	10% to 31% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the above Flexi facility charges are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Bounce charges	Rs. 700 - Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Pre-payment charges	Full Prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. *Foreclosure will be processed post clearance of first EMI
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 8 - Rs. 12 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Broken period interest / Pre-monthly Instalment interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: EMI Date : 2nd Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days
Principal Holiday Facility Fees	Up to Rs.1999/- for loan amount less than Rs.2,00,000 Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999 Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999 Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999 Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999 Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999 Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999 Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999 Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

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

*Terms and conditions apply

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

Type of fee	Applicable charges
Rate of interest	14 to 26% per annum
Processing fee	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan - Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) • Up to Rs. 6,499/- (inclusive of applicable taxes) for loan amount less than Rs. 1000000/-. • Up to Rs. 8,999/- (inclusive of applicable taxes) for loan amount from Rs. 1000000/- to Rs. 1499999/-. • Up to Rs. 13,999/- (inclusive of applicable taxes) for loan amount from Rs. 15,00,000/- to Rs. 24,99,999/- • Up to Rs. 16,999/- (inclusive of applicable taxes) for loan amount of Rs. 25,00,000/- and above. The above flexi facility charges will be deducted upfront from the loan amount. *Loan amount includes approved loan amount, insurance , VAS Charges.
Prepayment charges	Full prepayment •Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. •Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. •Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment: •Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. •Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to0.413% (Inclusive of applicable taxes) of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 1.18% (Inclusive of applicable taxes) of the Total Withdrawable Amount during Initial loan tenure. Up to 0.413% (Inclusive of applicable taxes) of the Total Withdrawable Amount during Subsequent loan tenure.
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 40 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount
Legal and incidental charges	Recovery of charges
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment. Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - (Inclusive of applicable taxes) Up to Rs. 6499 (Inclusive of applicable taxes) for loan amount less than Rs. 10,00,000. Up to Rs. 8,999 (Inclusive of applicable taxes) for loan amount between Rs. 10,00,000 and 14,99,999. Up to Rs. 13,999 (Inclusive of applicable taxes) for loan amount between Rs. 15,00,000 and Rs. 24,99,999. Up to Rs. 16,999 (Inclusive of applicable taxes) for loan amount Rs. 25,00,000 and above. Note- The above principal holiday facility fees will be deducted upfront from loan amount. Loan amount includes approved loan amount, Insurance Premium and VAS Charges.

Types of fee	Applicable charges
Rate of interest	10% - 26% 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 term loan (Flexi dropline) (as applicable below) – Up to Rs. 999 (inclusive of applicable taxes) for loan amount less than Rs. 10,00,000. Up to Rs. 999 (inclusive of applicable taxes) for loan amount between Rs. 10,00,000 and Rs. 14,99,999. Up to Rs. 999 (inclusive of applicable taxes) for loan amount between Rs. 15,00,000 and Rs. 24,99,999. Up to Rs. 1,999 (inclusive of applicable taxes) for loan amount between Rs. 25,00,000 and Rs. 49,99,999. Up to Rs. 2,999 (inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 2,999 (inclusive of applicable taxes) for loan amount Rs. 75,00,000 and above. Flexi Hybrid loan (as applicable below) – Up to Rs. 5,499 (inclusive of applicable taxes) for loan amount less than Rs. 10,00,000. Up to Rs. 6,999 (inclusive of applicable taxes) for loan amount between Rs. 10,00,000 and Rs. 14,99,999. Up to Rs. 9,999 (inclusive of applicable taxes) for loan amount between Rs. 15,00,000 and Rs. 24,99,999. Up to Rs. 11,999 (inclusive of applicable taxes) for loan amount between Rs. 25,00,000 and Rs. 49,99,999. Up to Rs. 13,999 (inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 14,999 (inclusive of applicable taxes) for loan amount Rs. 75,00,000 and above. Note – The above flexi facility charges will be deducted upfront from the loan amount. The loan amount includes the approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part prepayment – For 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 Loan (Flexi Dropline) and Hybrid Flexi.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) on the total withdrawable amount during initial loan tenor. Not Applicable during subsequent loan tenure.
Bounce Charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Penal charge is applicable in the following scenarios: a. Penal Charge: Any payment default shall attract penal charge of Rs. 36 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. b. Covenant Perfection Charge: i) Rs. 800/- per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500/- per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state) -	Payable as per state laws
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment For Quick disbursal process: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Mortgage origination fees	Up to Rs. 6,000/- per property (Inclusive of applicable taxes), charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Legal charges	Recovery of charges
Repossession and incidental charges	Recovery of charges
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to Rs. 5,499 (Inclusive of applicable taxes) for loan amount less than Rs. 10,00,000. Up to Rs. 6,999 (Inclusive of applicable taxes) for loan amount between Rs. 10,00,000 and 14,99,999. Up to Rs. 9,999 (Inclusive of applicable taxes) for loan amount between Rs. 15,00,000 and Rs. 24,99,999. Up to Rs. 11,999 (Inclusive of applicable taxes) for loan amount between Rs. 25,00,000 and Rs. 49,99,999. Up to Rs. 13,999 (Inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 14,999 (Inclusive of applicable taxes) for loan amount Rs. 75,00,000 and above. Note- (1) The above principal holiday facility fees will be deducted upfront from loan amount. (2) The loan amount includes approved loan amount, Insurance Premium, VAS Charges and Documentation charges.

Types of fees	Charges applicable
Rate of interest	8% - 13% per annum
Processing fee	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Prepayment charges	Full prepayment As per the agreed sanctioned terms of any facility : Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part prepayment Up to 4.72% (inclusive of applicable taxes) of the outstanding amount of Loan prepaid on the date of such part prepayment.
Bounce charges	Rs. 3,000/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	As per Board Approved Policy. Click here to view the same.
Stamp duty (as per respective state)	Payable as per state laws and borne by the Customer.
Invoice Audit charges, Title Search Report (TSR) Charges	On actuals (Transaction specific)
Discounting charges/ upfront interest / front ended interest	8% - 13% per annum
Conversion Fee (Floating to Fixed)	For Term Loan - Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). For Dropline Flexi Loan - Up to 1.18% (Inclusive of applicable taxes) on Flexi Limit + Undisbursed amount (if any). Note: (a) The Company would charge an additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. (b) Three conversions are permissible throughout the entire tenure.
Conversion Fee (Fixed to Floating)	For Term Loan - Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). For Dropline Flexi Loan - Up to 1.18% (inclusive of applicable taxes) on Flexi Limit + Undisbursed amount (if any). Note: Three conversions are permissible throughout the entire tenure.
CERSAI Charges	Up to Rs. 118/- (Inclusive of applicable taxes) per instance
Legal Charges	Recovery of charges
Repossession and Incidental Charges	Recovery of charges
Valuation Charges	Recovery of charges

Type of fee	Applicable charges
Rate of interest	Up to 30% per annum
Processing fee	Up to 12.95% of the loan amount (inclusive of applicable taxes)
Documentation and hypothecation charges	Up to Rs. 2,500/- (inclusive of applicable taxes) collected upfront
Stamp duty (as per respective state)	Payable as per state laws and collected upfront
Prepayment charges	Full prepayment Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part-prepayment Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment *Full/part-prepayment will be processed post clearance of the first EMI
Bounce charge	Rs. 531/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 6 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Legal, repossession and incidental charges	Rs. 5,000 (inclusive of applicable taxes)
Stockyard charges	Rs. 59/- per day up to 60 days (Inclusive of applicable Taxes)
Broken period interest/ pre-EMI interest	Method of recovery of ‘Broken period interest / pre-monthly instalment interest’ would be as follows: Scenario 1: If loan is disbursed on 1^st or post 20^th of the month: BPI amount will be capitalised, i.e. added to principal amount on due date / added to first instalment Scenario 2: If loan is disbursed between 3^rd and 20^th of the month: First instalment will consist of interest for actual number of days
NOC KIT	NA
Fees for delay in RC hypothecation	Rs. 1500/- (inclusive of applicable charges) *This is a one-time charge levied if there is delay in receiving the RC beyond 120 days post disbursement
DCC charges	Up to Rs. 1,500 (inclusive of applicable taxes)
Cancellation charge	Rs. 2,360 (inclusive of applicable taxes)

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.

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

Type of fee	Applicable charges
Interest rate	9.50% to 26% per annum
Processing fees	0.15% of the loan amount (inclusive of applicable taxes). Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes).
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount
Cash handling charges	Rs. Rs. 50 (inclusive of applicable taxes). Applicable for cash disbursement only.
Penal charge	Rs. 8 per day on Outstanding Balance - Penal charge will be over and above the interest rate slab mentioned above which shall be applicable/chargeable in case of default in repayment of the Outstanding Dues post maturity.
Convenience fee	Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for release of ornament/s out of multiple ornaments securing the Gold Loan.
Part-prepayment charges	NIL
Foreclosure charges	Foreclosure charges are “0”, but in cases the Borrower closes the loan, interest on a pro-rated basis will be applicable.

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

The following charges are applicable on loan against securities

Types of fees	Charges applicable
Interest rate	Up to 20% per annum
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes).
Prepayment charges	Full prepayment - Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part-prepayment - Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment
Annual maintenance charges/ renewal fee	Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount
Bounce charges	Rs. 1,200/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter)/principal/overdue amount. To view Annexure I, kindly click here.
Stamp duty (as per respective state)	Payable as per state laws
Brokerage charges*	As applicable at actuals
DP charges**	As applicable at actuals
Pledge confirmation charges**	As applicable at actuals
Pledge invocation charges**	As applicable at actuals
Demat share transfer charges (post invocation)**	As applicable at actuals
Legal charges	Recovery of charges

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

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

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

Type of fee	Applicable charges
Rate of interest	Up to 24% 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).
Flexi fee	Not applicable
Prepayment charges	Full prepayment - Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Part prepayment - Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment.
Renewal fees	Up to Rs. 2,950/- (inclusive of applicable taxes) to be collected on renewal
Bounce charges	Rs. 1,200/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	For Non-LIC (ULIP) Policies - Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter) /principal/overdue amount. To view Annexure 1 kindly click here.
Stamp duty	Payable as per state laws.
Legal charges	Recovery of charges

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

The following charges are applicable on used car finance:

Type of fee	Applicable charges
Rate of interest	10% to 19% p.a.
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes).
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes).
Flexi facility charge	Term Loan – Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The charges above will be deducted upfront from the loan amount *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment (foreclosure) Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full pre-payment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure, on the date of such full prepayment. Part-prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment. Not applicable for Flexi variants
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.
Bounce charges	Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge up to Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Legal and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs. 50,000 (Inclusive of applicable taxes)
Auction charges	Recovery of charges
Valuation charges	Recovery of charges
Stockyard charges	Rs. 118 per day for 60 days (inclusive of applicable taxes)
Loan re-booking charges	Rs. 1,000 (inclusive of applicable taxes).
Loan cancellation charges	Rs. 2,360 (inclusive of applicable taxes) (Interest till cancellation to be borne by the customer).
NOC for interstate transfer	Rs. 1,180 (inclusive of applicable taxes).
NOC to convert from private to commercial	Rs. 3,540 (inclusive of applicable taxes).
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If a loan is disbursed on 1st or post 15th of the month: For Term Loan, Hybrid Flexi Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date / added to first instalment Scenario 2: If a loan is disbursed between 3rd and 15th of the month: First instalment will consist of interest for actual number of days.

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 14% p.a.
Processing fees	Up to 2.95% of the loan amount (inclusive of applicable taxes).
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes).
Flexi facility charge	Term Loan – Not applicable Flexi Loan variant (as applicable below) - will be deducted upfront from the loan amount Up to Rs. 999 (inclusive of applicable taxes) for a loan amount up to Rs. 9,99,999 Up to Rs. 1,499 (inclusive of applicable taxes) for a loan amount of Rs. 10,00,000 and above *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment (foreclosure) Term Loan – Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full prepayment Flexi Hybrid Loan/Flexi Term Loan – Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full prepayment. Part-prepayment Term Loan – Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Not applicable for Flexi Loan variants.
Annual maintenance charges	Term Loan - Not applicable Flexi Term Loan Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure.
Bounce charges	Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 20 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Legal, and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs. 50,000 (Inclusive of applicable taxes)
Auction charges	Recovery of charges
Valuation charges	Recovery of charges
Stockyard charges	Rs. 118 per day for 60 days (inclusive of applicable taxes)
NOC for interstate transfer	Rs. 1,180 (inclusive of applicable taxes).
NOC to convert from private to commercial	Rs. 3,540 (inclusive of applicable taxes).
Other NOC	Rs. 1,180 (inclusive of applicable taxes).
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If a loan is disbursed on 1st or post 15th of the month: For Term Loan, Hybrid Flexi Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e, added to principal amount on due date / added to first instalment. Scenario 2: If a loan is disbursed between 3rd and 15th of the month: First instalment will consist of interest for actual number of days.
Loan cancellation charges	Up to Rs. 2,360/- (inclusive of applicable taxes). Note - In the event of loan cancellation, the customer shall also bear the interest accrued on the loan till the date of cancellation and stamp duty charges levied on the loan at the time of loan origination.

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

Types of fees	Charges applicable
Rate of interest	10% to 20% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The above flexi facility charges will be deducted upfront from the loan amount. Loan amount includes approved loan amount, insurance premium and VAS charges.
Prepayment charges	Full prepayment (Foreclosure) Foreclosure can be processed post clearance of first EMIs • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of such full prepayment. • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. Part prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Legal & Incidental charges	Recovery of charges
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to Rs. 1,999 (Inclusive of applicable taxes) for loan amount less than Rs. 2,00,000. Up to Rs. 3,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,00,000 and 3,99,999. Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount between Rs. 4,00,000 and Rs. 5,99,999. Up to Rs. 6,999 (Inclusive of applicable taxes) for loan amount between Rs. 6,00,000 and Rs. 9,99,999. Up to Rs. 7,999 (Inclusive of applicable taxes) for loan amount Rs. 10,00,000 and above. Note- The above principal holiday facility fees will be deducted upfront from loan amount. Loan amount includes approved loan amount, Insurance Premium and VAS Charges.

Type of fee	Applicable charges
Rate of interest (fresh loan)	Salaried	Self-employed	Doctors
	7.99%* to 17.00%* p.a.	8.30%* to 17.00%* p.a	8.10%* to 17.00%* p.a.
Rate of interest (balance transfer)	Salaried	Self-employed	Doctors
	8.10%* to 17.00%* p.a.	8.45%* to 17.00%* p.a.	8.20%* to 17.00%* p.a.
Processing fee	Up to 4% of the loan amount + GST as applicable
Bounce charge	In case of default of repayment instrument, the following charges per bounce will be applicable: •For loan amounts up to Rs. 15 lakhs: Rs. 500 •For loan amounts from Rs. 15,00,001 to Rs. 30,00,000: Rs. 1,000 •For loan amounts from Rs. 30,00,001 to Rs. 50,00,000: Rs. 1,500 •For loan amounts from Rs. 50,00,001 to Rs. 1,00,00,000: Rs. 2,000 •For loan amounts from Rs. 1,00,00,001 to Rs. 5,00,00,000: Rs. 3,000 •For loan amounts from Rs. 5,00,00,001 to Rs. 10,00,00,000: Rs. 5,000 •For loan amounts more than Rs. 10 crores: Rs. 10,000
Penal charge	Click here to know about the penal charges.
Secure fee	Up to Rs. 10,000 + GST as applicable
Interest and principal statement charges	NIL
Part-prepayment charges	NIL
Forclosure charges	NIL

Get a Bajaj Finserv Doctor Loan of up to Rs. 80 lakh and repay it easily over flexible tenures of up to 8 years.

Types of fees	Charges applicable
Rate of interest	10% to 20% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The above Flexi facility charges will be deducted upfront from the loan amount. Loan amount includes approved loan amount, insurance premium and VAS charges.
Prepayment charges	Full prepayment (Foreclosure) Foreclosure can be processed post clearance of first EMIs • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of such full prepayment. • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. Part prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: • Up to 0.590% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure.
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Legal and incidental charges	Recovery for charges
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to Rs. 1,999 (Inclusive of applicable taxes) for loan amount less than Rs. 2,00,000. Up to Rs. 3,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,00,000 and 3,99,999. Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount between Rs. 4,00,000 and Rs. 5,99,999. Up to Rs. 6,999 (Inclusive of applicable taxes) for loan amount between Rs. 6,00,000 and Rs. 9,99,999. Up to Rs. 7,999 (Inclusive of applicable taxes) for loan amount Rs. 10,00,000 and above. Note- The above principal holiday facility fees will be deducted upfront from loan amount. Loan amount includes approved loan amount, Insurance Premium and VAS Charges.

Types of fees	Applicable charges
Rate of interest (floating rate of interest)	9% to 12% 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 variant (as applicable below) - (Inclusive of applicable taxes) Flexi term loan (Flexi dropline) Up to Rs. 999 for loan amount less than Rs. 50,00,000. Up to Rs. 1,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 1,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 2,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 3,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 4,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 5,999 for loan amount Rs. 7,50,00,000 and above Flexi Hybrid loan – Up to Rs. 5,999 for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 14,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 19,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 21,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 25,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 29,999 for loan amount Rs. 7,50,00,000 and above The above Flexi facility charges will be deducted upfront from the loan amount. Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment For 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 Loan (Flexi Dropline) and Hybrid Flexi Note: If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part payment charges.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during Initial loan tenure. Not applicable for subsequent loan tenure.
Bounce charges	Rs. 1,500/- per bounce/. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Penal Charge	Penal Charge is applicable in the following scenarios: a. Penal Charge: Any payment default shall attract penal charge of Rs. 190/- per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. b. Covenant Perfection Charge: i) Rs. 800/- per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500/- per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e. added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e. added to Principal amount on Due date / Added to first instalment For Quick disbursal process and disbursement mode is cheque: BPI amount will be capitalised, i.e. added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Mortgage origination fees	Up to Rs. 6,000/- per property (inclusive of applicable taxes) charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Conversion fee (floating to fixed)**	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. b) Three conversions are permissible throughout the entire tenure. C) This is applicable to all Floating Interest Rate equated instalment based personal loans of different periodicities; Personal loans is defined in the RBI circular on “XBRL Returns- Harmonization of Banking Statistics” vide No. DBR.No.BP.BC.99/08.13.100/2017-18 dated January 04, 2018.
Conversion fee (fixed to floating)**	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) Three conversions are permissible throughout the entire tenure. b) This is applicable to all Floating Interest Rate equated instalment based personal loans of different periodicities; Personal loans is defined in the RBI circular on “XBRL Returns- Harmonization of Banking Statistics” vide No. DBR.No.BP.BC.99/08.13.100/2017-18 dated January 04, 2018.
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding
Commitment fee	Maximum up to total PF amount.
Legal Charges	Recovery of charges
Repossession & Incidental charges	Recovery of charges
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 (Inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and 74,99,999. Up to Rs. 14,999 (Inclusive of applicable taxes) for loan amount between Rs. 75,00,000 and Rs. 99,99,999. Up to Rs. 19,999 (Inclusive of applicable taxes) for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999. Up to Rs. 21,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999. Up to Rs. 25,999 (Inclusive of applicable taxes) for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999. Up to Rs. 29,999 (Inclusive of applicable taxes) for loan amount Rs. 7,50,00,000 and above. The above principal holiday facility fees will be deducted upfront from loan amount. The Loan amount includes approved loan amount, Insurance Premium, VAS Charges and Documentation charges.

**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 term loan (Flexi dropline) Up to Rs. 999 (inclusive of applicable taxes) for loan amount less than Rs. 50,00,000. Up to Rs. 1,999 (inclusive of applicable taxes)for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 1,999 (inclusive of applicable taxes) for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 2,999 (inclusive of applicable taxes) for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 3,999 (inclusive of applicable taxes) for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 4,999 (inclusive of applicable taxes) for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 5,999 (inclusive of applicable taxes)for loan amount Rs. 7,50,00,000 and above Flexi Hybrid loan – Up to Rs. 5,999 (inclusive of applicable taxes) for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 (inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and Rs. 74,99,999. Up to Rs. 14,999 (inclusive of applicable taxes) for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 19,999 (inclusive of applicable taxes) for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 21,999 (inclusive of applicable taxes) for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 25,999 (inclusive of applicable taxes) for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 29,999 (inclusive of applicable taxes) for loan amount Rs. 7,50,00,000 and above Will be deducted upfront from loan amount *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of such full prepayment Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment Part prepayment Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. Not Applicable for Hybrid Flexi
Annual maintenance charges	Not applicable
Bounce charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 190 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
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan, Hybrid Flexi Loan : BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment For Quick disbursal process: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Legal, repossession and incidental charges	Recovery of charges
LC processing fees	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to Rs. 1,999 (Inclusive of applicable taxes) for loan amount less than Rs. 2,00,000. Up to Rs. 3,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,00,000 and 3,99,999. Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount between Rs. 4,00,000 and Rs. 5,99,999. Up to Rs. 6,999 (Inclusive of applicable taxes) for loan amount between Rs. 6,00,000 and Rs. 9,99,999. Up to Rs. 7,999 (Inclusive of applicable taxes) for loan amount Rs. 10,00,000 and above. Note- The above principal holiday facility fees will be deducted upfront from loan amount. Loan amount includes approved loan amount, Insurance Premium and VAS Charges.

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	Rs. 530/- (inclusive of applicable taxes)

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

Type of fee	Applicable charges
Processing fee	Up to Rs. 5000/- (inclusive of applicable taxes) collected upfront.
Upfront Interest	Up to Rs. 1017 /- collected upfront or 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 of up to Rs. 5 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Convenience fee	Rs. 236/- (inclusive of applicable taxes)

FEES AND CHARGES
The following charges are applicable on Health EMI Network Card:
Type of fees	Charges applicable
Health EMI Card Network Card fee - Gold	Rs. 707/- (inclusive of applicable taxes)
Health EMI Card Network Card fee - Platinum	Rs. 999/-(inclusive of applicable taxes)
Corporate/ Hospital Health EMI Network Card Fee	Up to Rs. 599 (inclusive of applicable taxes)
Annual fee	Up to Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the Health EMI Network Card holders who have not availed any loan using the Health EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your Health EMI Network Card. For example, if the Health EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the Health EMI Network Card) the date for payment of the annual fee will be March 2020.
The following charges are applicable for availing loan limit through Health EMI Network Card:
Processing fee	Up to Rs. 1,017/- (inclusive of applicable taxes) collected upfront.
Bounce charges	Rs.500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charges	Delay in payment of instalment(s) shall attract penal charge of up to Rs. 5 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Loan enhancement fees	Rs. 117/- (inclusive of applicable taxes) for temporary increase in Health EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment.
Convenience fee	Rs. 149 /- (inclusive of applicable taxes) will be collected along with first instalment.
Full prepayment (foreclosure) charges	Nil, anytime post disbursal of loan.
Part prepayment charges	Nil, anytime post disbursal of loan.
Cash Deposit Charges	Customers will incur a cash deposition charge of Rs. 50 (Inclusive of Applicable taxes) when making cash payments at our branch offices.
Platform Fees	Rs. 11 (Inclusive of Applicable taxes) will be charged for utilising the payment gateway to make part or full payments towards the loan through digital properties.

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

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.

Types of fees	Applicable charges
Rate of interest	BL ROI Range - 14% to 26% per annum HL ROI Range - 8% to 20% per annum Lap ROI Range - 8% to 20% per annum BL Secured ROI Range - 8% to 20% per annum
Processing fee	• HL and LAP: Up to 2.36% of the loan amount (inclusive of applicable taxes) • BL: Up to 4.72% of the loan amount (inclusive of applicable taxes)
Prepayment charges	Full prepayment (foreclosure) • Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. • Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi Loan.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295 % (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial loan tenure and applicable to the subsequent tenure.
Flexi facility charge	(i) BL Term Loan: NA (ii) BL Drop Line Flexi: Up to Rs. 999 (iii) BL Hybrid Flexi: • Up to Rs. 6,499 for loan amount less than Rs. 10,00,000. • Up to Rs. 8,999 for loan amount from Rs. 10,00,000 to Rs. 14,99,999. • Up to Rs. 13,999 for loan amount from Rs. 15,00,000 to Rs. 24,99,999. • Up to Rs. 16,999 for loan amount of Rs. 25,00,000 and above.
Bounce charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Penal charge	Delay in payment of instalment(s) shall attract penal charges of Rs. 90 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)	Secured loans - Payable as per state laws Unsecured loans - Payable as per state laws and deducted from the loan amount.
Broken period interest/ pre-EMI interest	For BL: Method of recovery of "Broken period interest/ pre-monthly instalment Interest" would be as follows: Scenario 1: If loan is disbursed on 1^st or post 10^th of the month: For Term Loan: BPI amount will be capitalised, i.e. added to principal amount on due date/ deducted from disbursement. For Flexi Loans: BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment. Scenario 2: If loan is disbursed between 3^rd and 10^th of the month: First instalment will consist of interest for actual number of days. For LAP and HL: Method of recovery of "Broken period interest/ pre-monthly instalment Interest" would be as follows: Scenario 1: If loan is disbursed on 1^st or post 15^th of the month: For Term Loan: BPI amount will be capitalised, i.e. added to principal amount on due date/ deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment Scenario 2: If loan is disbursed between 3^rd and 15^th of the month: First instalment will consist of interest for actual number of days.
CERSAI charges	Rs. 118 (inclusive of applicable taxes) (not applicable for unsecured loans)
Mortgage origination fee	Up to Rs. 6000 (inclusive of applicable taxes) (not applicable for unsecured loans)
Commitment fee	Maximum up to total PF amount (applicable only for secured loans)
Switch fee	HL and LAP: Up to 1.18% (inclusive of applicable taxes) in case customer approaches for ROI change in secured cases.
Legal and incidental charges	Recovery of charges (applicable only for unsecured loans)

Type of fee	Applicable charges
Rate of interest (floating)	9% to 12% per annum
Processing fees	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360/- (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan: Not applicable Flexi variant (as applicable below) - (Inclusive of applicable taxes): Flexi Term Loan (Flexi dropline): Up to Rs. 999 for loan amount less than Rs. 50,00,000 Up to Rs. 1,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999 Up to Rs. 1,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 2,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 3,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 4,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 5,999 for loan amount Rs. 7,50,00,000 and above Flexi Hybrid Loan: Up to Rs. 5,999 for loan amount less than Rs. 50,00,000 Up to Rs. 11,999 for loan amount between Rs. 50,00,000 and Rs. 74,99,999 Up to Rs. 14,999 for loan amount between Rs. 75,00,000 and Rs. 99,99,999 Up to Rs. 19,999 for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999 Up to Rs. 21,999 for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999 Up to Rs. 25,999 for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999 Up to Rs. 29,999 for loan amount Rs. 7,50,00,000 and above Will be deducted upfront from loan amount. *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Pre-payment charges	Full pre-payment/Foreclosure ·Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. ·Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. ·Flexi Hybrid Loan: Not applicable Part pre-payment ·Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment. ·Flexi Term Loan (Flexi Dropline): Not applicable Note: If all borrowers and co-borrowers are Individual, loan availed on floating interest rates, and loan taken for purpose other than business use, then there will be no foreclosure/part-payment charges.
Annual maintenance charges	Term Loan: Not applicable
	Flexi Term Loan (Flexi Dropline): Not applicable
	Flexi Hybrid Loan: Not applicable
Bounce charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Legal charges	Recovery of charges
Repossession and incidental charges	Recovery of charges
Penal Charge	Penal Charge is applicable in the following scenarios: a. Penal Charge: Any payment default shall attract penal charge of Rs. 190 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. b. Covenant Perfection Charge: i) Rs. 800/- per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500/- per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
Broken Period Interest/ Pre-EMI Interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on due date / deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on due date / added to first instalment For Quick disbursal process: BPI amount will be capitalised, i.e added to Principal amount on due date / added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Mortgage origination fees	Up to Rs. 6,000/- (inclusive of applicable taxes) per property charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount.
Conversion fee (floating to fixed)**	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. b) Three conversions are permissible throughout the entire tenure
Conversion fee (fixed to floating)**	For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: Three conversions are permissible throughout the entire tenure.
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding
Commitment fee	Maximum up to total PF amount.
Principal Holiday Facility fee	Principal Holiday (as applicable below) - Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 (Inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and 74,99,999. Up to Rs. 14,999 (Inclusive of applicable taxes) for loan amount between Rs. 75,00,000 and Rs. 99,99,999. Up to Rs. 19,999 (Inclusive of applicable taxes) for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999. Up to Rs. 21,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999. Up to Rs. 25,999 (Inclusive of applicable taxes) for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999. Up to Rs. 29,999 (Inclusive of applicable taxes) for loan amount Rs. 7,50,00,000 and above. Note: The above principal holiday facility fees will be deducted upfront from loan amount. Loan amount includes approved loan amount, insurance premium, VAS charges and documentation charges.

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

Particulars	Amount
FASTag issuance fee	Rs. 100 (Inclusive of applicable taxes)
Replacement fee	Rs. 100/- (Inclusive of all taxes)

Rate of Interest
Minimum	Maximum	Average in Q4 FY 25
23% p.a.	25% p.a.	23.72% p.a.

Type of fee	Applicable charges
Processing fees	Up to 1.50% (inclusive of applicable taxes) of the total loan amount
Documentation charges	Not Applicable
Prepayment charges	Part-prepayment – NIL Full prepayment – NIL
Bounce charges	Up to Rs. 50/- 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 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 Rs. 4/- per day for every delayed instalment, until the receipt of instalment
Mandate registration charges	Not applicable
Broken period interest/ pre-monthly instalment interest	Broken period interest/ pre-monthly instalment interest shall be charged for actual number of days from the date of disbursement.

*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	12% - 19% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) · Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- · Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- · Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- · Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- · Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The Flexi facility charges will be collected upfront from the loan amount Loan amount includes approved loan amount, insurance premium, and VAS charges.
Prepayment charges	Full prepayment • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of full prepayment • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment Part prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment • Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): • Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Loan: • Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure • Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure
Bounce charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 20 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement Scenario 2: If Loan is disbursed between 3rd and 10th of the month:First instalment will consist of interest for actual number of days.

The following charges are applicable on ESOP financing:

Types of fees	Charges applicable
Interest rate	8% to 15% per annum
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes)
Prepayment charges	Full prepayment – Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part-prepayment – Up to 4.72% (inclusive of the applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment
Bounce charges	Rs. 1,200/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Annual maintenance charges	Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount
Penal charge	Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter)/principal/overdue amount. To view Annexure I, kindly click here.
Stamp duty	Payable as per state laws
Brokerage charges*	As applicable at actuals
DP charges**	As applicable at actuals
Pledge confirmation charges**	As applicable at actuals
Pledge invocation charges**	As applicable at actuals
Demat share transfer charges (post invocation)**	As applicable at actuals
Legal charges	Recovery of charges

*Charges levied by Broker to BFL and the same is being passed on to the clients.
**Charges levied by NSDL 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	Up to 24% per annum and/or flat interest up to Rs. 30,000 per IPO application till the date of allotment
Processing fee	Up to 4.72% of the loan amount (inclusive of applicable taxes)
Part-prepayment charges	Not applicable
Annual maintenance charges	Not applicable
Bounce charges	Not applicable
Penal charge	Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter)/principal/overdue amount. To view Annexure I, kindly click here.
Stamp duty	As applicable
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	0% to 20% per annum
Processing fees	Up to 3% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 4,720 (inclusive of applicable taxes)
Flexi facility charge	Term Loan - Not applicable Flexi Term Loan - Up to Rs. 999 (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) Up to Rs. 1,999 (inclusive of applicable taxes) for a loan amount up to Rs. 5,00,000* Up to Rs. 3,999 (inclusive of applicable taxes) for a loan amount above Rs. 5,00,000* [The above charges will be added to the overall loan amount.] *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Stamp duty (as per the respective state)	Payable as per state laws and deducted upfront from loan amount.
Prepayment charges	Full prepayment (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 prepayment Flexi Hybrid Loan/ Flexi Term Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full prepayment Part-prepayment charges Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment Flexi Hybrid Loan/ Flexi Term Loan: Not applicable
Bounce charge	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.
Annual maintenance charges	Term Loan - Not applicable Flexi Hybrid Loan Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure Flexi Term Loan Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 54 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Legal, repossession and incidental charges	Up to Rs. 50,000 (inclusive of applicable taxes)
Stockyard charges	Up to Rs. 250 per day up to 60 days (inclusive of applicable taxes)
Broken period interest/ pre-EMI interest (Applicable only to Monthly repayment mode)	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
NOC KIT	NA
NOL (No Objection Letter) charges (To convert from Private to commercial or Interstate Transfer)	Rs. 500 (inclusive of applicable taxes) (Will be charged separately for tractor and registered implements)
Loan rebooking charge	Rs. 1,000 (inclusive of applicable taxes) – In case of rebooking requested by customer
Loan cancellation charge	Rs. 2,360 (inclusive of applicable taxes) - In case of cancellation requested by customer. Interest till cancellation to be borne by customer. Cancellation allowed till 90 days post disbursal date.

Type of fee	Applicable charges
Rate of interest	16% to 26% per annum.
Processing fees	Up to 3% of the loan amount (inclusive of applicable taxes).
Documentation charges	Up to Rs. 4,720 (inclusive of applicable taxes).
Flexi facility charge	Term Loan - Not applicable Flexi Term Loan - Up to Rs. 999 (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) Up to Rs. 1,999 (inclusive of applicable taxes) for a loan amount up to Rs. 5,00,000* Up to Rs. 3,999 (inclusive of applicable taxes) for a loan amount of above Rs. 5,00,000* [Above charges will be added to the overall loan amount.] *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
Stamp duty	Payable as per state laws and deducted upfront from the loan amount.
Prepayment charges	Full prepayment (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 prepayment. Hybrid Flexi Loan/ Flexi Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full prepayment. Part-prepayment charges Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. Hybrid Flexi Loan/ Flexi Term Loan: NA
Bounce charges	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.
Annual maintenance charges	Term Loan - Not applicable Flexi Hybrid Loan Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. Flexi Term Loan (Flexi Dropline) Up to 0.295 % (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges.
Penal charge	Delay in payment of instalment(s) shall attract penal charge of Rs. 32 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Legal, repossession and incidental charges	Up to Rs. 50,000 (inclusive of applicable taxes)
Stockyard charges	Up to Rs. 250 per day up to 60 days (inclusive of applicable taxes)
Broken period interest/ pre-EMI interest (Applicable only to Monthly repayment mode)	Method of recovery of "Broken period interest/ pre-monthly instalment interest" would be as follows: Scenario 1: If loan is disbursed on 1^st or post 10^th of the month: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment Scenario 2: If loan is disbursed between 3^rd and 10^th of the month: First instalment will consist of interest for actual number of days.
NOC KIT	NA
NOL (No Objection Letter) charges (To convert from private to commercial or interstate transfer)	Rs. 500 (inclusive of applicable taxes)
Loan rebooking charge	Rs. 1,000 (inclusive of applicable taxes) – In case of rebooking requested by customer
Loan cancellation charge	Rs. 2,360 (inclusive of applicable taxes) - In case of cancellation requested by customer. Interest till cancellation to be borne by customer. Cancellation allowed till 90 days post disbursal date.

Below are the charges for retailer finance:

Type of fee	Applicable charges
Rate of interest	Up to 14% p.a.
Processing fee	Up to 0.5% of the loan amount (inclusive of applicable taxes) For CD dealers: Up to 0.5% of limit or up to 8,999/- (inclusive of applicable taxes), whichever is lower. For two-wheeler dealers: Up to 1 crore retailers – 0.5% of agreement value vs. 4,999/-, whichever is lower. >1 crore retailers – 8,999/- (inclusive of taxes)
Documentation charges	Up to Rs. 17,700/- (inclusive of applicable taxes)
Part-prepayment charges	Nil
Foreclosure charges	Up to 4.72% on Sanction Limit within 1st year, 2.36% between 2nd & 3rd year and 1.18% after 3rd year. (Inclusive of applicable taxes)
Annual maintenance charges	Up to 0.5% of the sanction limit For CD dealers: Up to 0.5% of the limit or up to 8,999/- (inclusive of applicable taxes), whichever is lower For two-wheeler dealers: Up to 1 crore retailers – 4,999/- of agreement value vs. 8,999/-, whichever is lower. >1 crore retailers – 0.5% (inclusive of taxes)
Tranche breach charges/ Penal Charge	Delay in payment of respective tranche shall attract Penal Charge of up to Rs. 1 per day per Rs. 1,000 on outstanding amount from the respective due date of such tranche until the date of receipt of payment.
Stamp duty (as per respective state)	Payable as per state law
Legal, repossession and incidental charges	Recovery of charges
ROC filing charges	At actuals
CERSAI charges	Up to Rs. 118 (inclusive of applicable taxes) applicable only for secured funding.
Legal title search and valuation per property	Up to Rs. 11,800/- (inclusive of applicable taxes) Charges collected at the time of execution of the facility agreement.
Audit/ Inspection charges	Up to Rs. 50,000/- annually Note: Charges collected at the time of execution of the facility agreement and subsequently for every stock audit and unit inspection carried out from time to time by BFL. Tentative avg. expense for stock audit/inspection performed by the agency managed by Risk.

Here are the charges for trade advance:

Type of fee	Applicable charges
Rate of interest	Up to 14% p.a.
Processing fee	(i) Up to 2% of the loan amount (inclusive of applicable taxes) (ii) For consumer durable goods, tractors and farm equipment dealers - Up to 0.5% of Limit or up to Rs. 8,999/- (inclusive of applicable taxes), whichever is lower
Annual maintenance charges	Up to 0.5% of limit or up to Rs. 8,999 (inclusive of applicable taxes), whichever is lower
Tranche breach charges/ Penal charge	Delay in payment of respective tranche shall attract Penal Charge of up to Rs. 1 per day per Rs. 1,000 on outstanding amount from the respective due date of such tranche until the date of receipt of payment.
Stamp duty	Stamp Duty (as per respective state)
Documentation charges	Not Applicable
Legal, repossession and incidental charges	Recovery of charges
Bounce charges	Not Applicable
Broken period interest / Pre-EMI interest	Not Applicable
Flexi fee	Not Applicable
Mandate rejection charges	Not Applicable
Pre-payment charges / Foreclosure charges	Not Applicable

Here are the charges applicable on auto and equipment lease:

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

Below are the charges applicable on affordable home loan:

Type of fee	Applicable charges
Processing fees	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 9,500 (inclusive of applicable taxes)
Pre-payment charges	Full prepayment: Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part prepayment: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment Note: Loan availed by individuals on floating interest rates and loan taken for purpose other than business use, then there will be no foreclosure / part payment charges.
Bounce charges	Up to Rs. 1,500 per bounce “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Penal charge is applicable in the following scenarios: Penal charge: Any payment default shall attract penal charge of Rs. 20 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. Covenant perfection charge: Rs. 800 per day for non-submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. Rs. 500 per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e. added to Principal amount on Due date / Added to first instalment. Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Mortgage origination fees	Up to Rs. 6,000 per property (inclusive of applicable taxes) charged upfront *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount
Conversion fee (Floating to Fixed)	Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). Note: The Company would charge an additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date.
Conversion fee (Fixed to Floating)	Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any)
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding
Subsequent Disbursement Visit Charges	Up to Rs. 799 per visit (Inclusive of applicable taxes)

Type of fee	Charges applicable
Annual maintenance charges	For term loan - Not applicable For pure flexi - Up to 0.295% (Inclusive of applicable taxes) of the Total Withdrawable Amount (as per the repayment schedule) on the date of levy of such charges

Below are the charges applicable on industrial equipment finance:

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 Hybrid Loan (as applicable below) - Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 (Inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and 74,99,999. Up to Rs. 14,999 (Inclusive of applicable taxes) for loan amount between Rs. 75,00,000 and Rs. 99,99,999. Up to Rs. 19,999 (Inclusive of applicable taxes) for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999. Up to Rs. 21,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999. Up to Rs. 25,999 (Inclusive of applicable taxes) for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999. Up to Rs. 29,999 (Inclusive of applicable taxes) for loan amount Rs. 7,50,00,000 and above. Note- The above flexi facility charge will be deducted upfront from loan amount. The Loan amount includes approved loan amount, Insurance Premium, VAS Charges and Documentation charges)
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of such full prepayment Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment Part prepayment 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 on Flexi Hybrid Loan
Annual maintenance charges	Not applicable
Bounce charges	Rs. 1,500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Penal charges	Delay in payment of instalment(s) shall attract penal charges of Rs. 190 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
Broken period interest/ pre-EMI interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10 th of the month: For Term Loan, Hybrid Flexi Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment For Quick disbursal process: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Legal, repossession and incidental charges	Recovery of charges
LC processing fees	Up to 2.36% of the loan amount (inclusive of applicable taxes)
Principal Holiday Facility Fees	Principal Holiday Facility Fees Principal Holiday (as applicable below) - Up to Rs. 5,999 (Inclusive of applicable taxes) for loan amount less than Rs. 50,00,000. Up to Rs. 11,999 (Inclusive of applicable taxes) for loan amount between Rs. 50,00,000 and 74,99,999. Up to Rs. 14,999 (Inclusive of applicable taxes) for loan amount between Rs. 75,00,000 and Rs. 99,99,999. Up to Rs. 19,999 (Inclusive of applicable taxes) for loan amount between Rs. 1,00,00,000 and Rs. 2,49,99,999. Up to Rs. 21,999 (Inclusive of applicable taxes) for loan amount between Rs. 2,50,00,000 and Rs. 4,99,99,999. Up to Rs. 25,999 (Inclusive of applicable taxes) for loan amount between Rs. 5,00,00,000 and Rs. 7,49,99,999. Up to Rs. 29,999 (Inclusive of applicable taxes) for loan amount Rs. 7,50,00,000 and above. Note- The above principal holiday facility fees will be deducted upfront from loan amount. The Loan amount includes approved loan amount, Insurance Premium, VAS Charges and Documentation charges.

Type of fee	Applicable charges
Rate of interest	8% - 14% p.a.
Processing fees	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 2,360 (inclusive of applicable taxes)
Flexi facility charge	Term Loan: Not applicable. Flexi Term Loan (Flexi Dropline): Up to Rs. 4,999. Flexi Hybrid Loan: • Up to Rs. 3,999 for loan amount from Rs. 1,00,000 to Rs. 19,99,999. • Up to Rs. 6,999 for loan amount from Rs. 20,00,000 to Rs. 39,99,999. • Up to Rs. 8,999 for loan amount from Rs. 40,00,000 to Rs. 59,99,999. • Up to Rs. 9,999 for loan amount of Rs. 60,00,000 and above. Note : 1. The above-mentioned Flexi facility charge will be deducted upfront from the loan amount. 2. The above-mentioned loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
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. • Hybrid Flexi/Flexi Term Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full 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 Loan: Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (Inclusive of applicable taxes) of the total withdrawable amount during subsequent tenure. Flexi Term Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges
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 instalment(s) shall attract penal charges of up to Rs. 40 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount.
Legal and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs. 50,000 (inclusive of applicable taxes)
Auction charges	Recovery of charges
Valuation charges	Recovery of charges
Stockyard charges	Recovery of charges
NOC for Interstate Transfer	Rs. 500 (inclusive of applicable taxes)
Other NOC	Rs. 1,180 (inclusive of applicable taxes)
Broken period interest/ Pre EMI- interest	Method of recovery of "Broken period Interest/ pre-monthly instalment interest" would be as follows: EMI date: 02^nd Scenario 1: If loan is disbursed on 1^st or post 15^th of the month: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment. Scenario 2: If loan is disbursed between 3^rd and 15^th of the month: First instalment will consist of interest for actual number of days. EMI date: 10^th Scenario 1: If loan is disbursed between 1^st to 9^th or post 15^th of the month: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment. Scenario 2: If loan is disbursed between 11^th and 15^thof the month: First instalment will consist of interest for actual number of days. EMI date: 15^th For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment.
Loan cancellation charges	Up to Rs. 2,360 (inclusive of applicable taxes)
Loan cancellation & re-booking charges	Up to Rs. 3,540 (inclusive of applicable taxes)

Type of fee	Applicable charges
Rate of interest	8.00% - 24% 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 Term Loan (Flexi Dropline): Up to Rs. 4,999. Flexi Hybrid Loan: Up to Rs. 3,999 for loan amount from Rs. 1,00,000 to Rs. 19,99,999. Up to Rs. 6,999 for loan amount from Rs. 20,00,000 to Rs. 39,99,999. Up to Rs. 8,999 for loan amount from Rs. 40,00,000 to Rs. 59,99,999. Up to Rs. 9,999 for loan amount of Rs. 60,00,000 and above. Note: 1. The above-mentioned Flexi facility charge will be deducted upfront from the loan amount. 2. The above-mentioned loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.
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. Hybrid Flexi/Flexi Term Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full 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 Loan: Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (Inclusive of applicable taxes) of the total withdrawable amount during subsequent tenure. Flexi Term Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges
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 instalment(s) shall attract penal charges of up to Rs. 40 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Legal and incidental charges	Recovery of charges
Repossession charges	Recovery of charges maximum up to Rs.50,000 (inclusive of applicable taxes)
Auction charges	Recovery of charges
Valuation charges	Recovery of charges
Stockyard charges	Recovery of charges
NOC for Interstate Transfer	Rs. 500 (inclusive of applicable taxes)
Other NOC	Rs. 1,180 (inclusive of applicable taxes)
Broken period interest/ pre-EMI interest	Method of recovery of "Broken period interest/ pre-monthly instalment Interest" would be as follows: EMI date: 2^nd Scenario 1: If loan is disbursed on 1^thor post 15^thof the month: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment. Scenario 2: If loan is disbursed between 3^rdand 15^thof the month: First instalment will consist of interest for actual number of days. EMI date: 10^th Scenario 1: If loan is disbursed between 1^stto 9^thor post 15^thof the month: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment. Scenario 2: If loan is disbursed between 11^thand 15^thof the month: First instalment will consist of interest for actual number of days. EMI date: 15^th For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment.
Loan cancellation charges	Up to Rs. 2,360 (inclusive of applicable taxes)
Loan cancellation & re-booking charges	Up to Rs. 3,540 (inclusive of applicable taxes)
Vehicle valuation charges	Up to Rs. 1,500 (Inclusive of applicable taxes)
Upfront valuation charges	Up to Rs. 1,500 (inclusive of applicable taxes)

Bill payment at BFL branches The following fees and charges are applicable on bill payment at BFL branches:
Customer convenience fees
BBPS category* (except FASTag category)	Up to Rs. 5 for transaction amount from Re. 1 and up to Rs. 1,000 Up to Rs. 10 for transaction amount from Rs. 1,001 and up to Rs. 2,999 Up to Rs. 25 for transaction amount above Rs. 2,999
BBPS categories* (FASTag category)	Up to Rs. 5 for transaction amount from Rs. 0 and up to Rs. 300 Up to Rs. 10 for transaction amount from Rs. 301 and up to Rs. 600 Up to Rs. 15 for transaction amount from Rs. 601 and up to Rs. 900 Up to Rs. 20 for transaction amount from Rs. 901 and up to Rs. 1,200 Up to Rs. 25 for transaction amount above Rs. 1,200
* Charges are inclusive of applicable tax * No customer convenience fees will be applicable for the following categories: Book LPG cylinders, credit card bills, loan repayment, DTH
Platform fees
Prepaid recharges**	Up to Rs. 5 for transaction amount from Rs. 10 and up to Rs. 1,000 Up to Rs. 10 for transaction amount from Rs. 1,001 and up to Rs. 2,999 Up to Rs. 25 for transaction amount above Rs. 2,999
** Charges are inclusive of applicable tax
Customer convenience fees	These are charges basis agreement with the NPCI and aggregator, based on selected categories 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. Customer convenience fee, chargeable or non-chargeable, is subject to change as per NPCI guidelines with respect to BBPS Categories
Failed transaction refund management	For failed transactions, total amount including charges and taxes will be reversed to the customer.

Type of fee	Applicable charges
Processing fees	Up to 3.54% of the loan amount (inclusive of applicable taxes)
Documentation charges	Up to Rs. 9,500 (inclusive of applicable taxes)
Prepayment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment 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 loan is availed by individuals on floating interest rates and loan taken for purpose other than business use, then there will be no foreclosure / part payment charges.
Bounce charges	Up to Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal charge	Penal charge is applicable in the following scenarios: Penal charge: Any payment default shall attract penal charge of Rs. 190 per day for period of such delay from the respective due date and continue to apply until the date of receipt of amounts under the said default. Covenant perfection charge: i) Rs. 800 per day for Non submission of critical documents after 90 days of disbursement. Levy from the date when due on non-compliance of any one or all heads in the category. ii) Rs. 500 per day for non-submission of non-critical documents after 120 days of disbursement. Levy from the date when due.
Stamp duty (as per respective state)	Payable as per state laws
Broken period interest / Pre-EMI interest	Method of recovery of "Broken period interest/ pre-monthly instalment interest" would be as follows: Scenario 1: If loan is disbursed on 1^st or post 10^th of the month: For Term Loan: BPI amount will be capitalised, i.e. added to principal amount on due date/ added to first instalment. Scenario 2: If loan is disbursed between 3^rd and 10^th of the month: First instalment will consist of interest for actual number of days.
Mortgage origination fees	Up to Rs. 6,000 per property (inclusive of applicable taxes) charged upfront *In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount
Conversion fee (floating to fixed)	Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) Note: The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. 3 conversions are permissible throughout the entire tenure.
Conversion fee (fixed to floating)	Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) Note: 3 conversions are permissible throughout the entire tenure.
Switch fee for ROI change	Up to 2.36% (inclusive of applicable taxes) of principal outstanding

Type of fee	Applicable charges
Rate of interest	10% - 20% per annum
Processing fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Flexi Facility Charge	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 200000/- Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 200000/- to Rs. 3,99,999/- Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The Flexi facility charges above will be deducted upfront from the loan amount Loan amount includes approved loan amount, insurance premium, and VAS charges.
Prepayment charges	Full prepayment Foreclosure can be processed post clearance of first EMIs Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of full prepayment Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment Part Pre-Payment 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 Term Loan (Flexi Dropline) and Hybrid Flexi
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Loan: Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure
Bounce charges	Rs. 1,500 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Broken period interest / Pre EMI-Interest	Method of recovery of "Broken Period Interest/Pre monthly instalment Interest" would be as follows: Scenario 1: If Loan is disbursed on 1st or post 10th of the month: For Term Loan: BPI amount will be capitalised, i.e added to Principal amount on Due date / Deducted from disbursement For Flexi Loans: BPI amount will be capitalised, i.e added to Principal amount on Due date / Added to first instalment Scenario 2: If Loan is disbursed between 3rd and 10th of the month: First instalment will consist of interest for actual number of days.
Legal and incidental charges	Recovery of charges
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge of Rs. 25 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to Rs.1999/- for loan amount less than Rs.2,00,000 Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999 Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999 Up to Rs.6999/- for loan amount from Rs. 600000 to Rs.999999 Up to Rs.7999/- for loan amount of Rs.10,00,000 and above Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

Type of fee	Applicable charges
Processing fee	Up to Rs. 117 (inclusive of applicable taxes) collected upfront
Upfront interest	Up to 8% (inclusive of applicable taxes) collected upfront on gross loan amount
EPI Holiday fee	Up to 8% (inclusive of applicable taxes) on gross loan amount collected upfront (applicable only if opted for EPI Holiday scheme)
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 monthly instalment shall attract penal charge at the rate of 36% per annum applicable on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.
Convenience fee	Existing customers: Up to Rs. 236 (inclusive of applicable taxes) will be collected along with 01st instalment New customers: Up to Rs. 300 (inclusive of applicable taxes) will be collected along with 01st instalment
Prepayment charges	Full prepayment: 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part prepayment: 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment
Stamp duty	As per state laws

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Fees and Charges of All Products

Fees and charges of personal loan

Fees and charges of business loan

Fees and charges of secured business loan

Fees and charges of Commercial Lending

Fees and charges of two-wheeler loan

Fees and charges of gold loan

Fees and charges of loan against securities

Fees and charges of loan against insurance policies

Fees and charges of used car finance

Fees and charges of new car finance

Fees and charges of chartered accountant loan

Fees and charges of home loan

Fees and charges of loan for doctors

Fees and charges of 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 EMI Network

Fees and charges of Mobile Recharge and Bill Payments

Fees and charges of B2B Dealer Banker

Fees and charges of Lease Rental Discounting (LRD)

Fees and charges for Bajaj Pay FASTag

Fees and charges of microfinance group loan

Fees and charges of pharma loan

Fees and charges on ESOP financing

Fees and charges of IPO financing

Fees and charges of new tractor finance

Fees and charges of used tractor finance

Fees and charges of retailer finance

Fees and charges of trade advance

Fees and charges for auto and equipment lease

Fees and charges for affordable home loan

Fees and charges of loan against fixed deposit

Fees and charges of industrial equipment finance

Fees and charges of New Commercial Vehicle Loan

Fees and charges of Used Commercial Vehicle Loan

Fees and charges of Bill Payment at BFL Branches

Fees and charges of Prime Home Loan

Fees and charges of Lawyer Loan

Fees and charges of Solar and Ancillary Products

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