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Effective URL: https://www.bajajfinserv.in/all-fees-and-charges
Submission: On May 15 via manual from IN — Scanned from NL
Effective URL: https://www.bajajfinserv.in/all-fees-and-charges
Submission: On May 15 via manual from IN — Scanned from NL
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* EMI Card * Alert Message * Cart * My Account Login * * Partners * Loans * All Loans * Personal Loan Apply OnlineCheck Offer * Overview * Flexi Personal Loan * Features and Benefits * Eligibility * Calculator * Fees and Charges * How to Apply * FAQs * Manage your Loans * Manage your Flexi Loans * Contact Us LOANS FOR YOUR GOALS Loan for WeddingLoan for Higher EducationLoan for Home RenovationLoan for Medical Emergency * Insta Personal Loan Check OfferPre-approved Offer * Overview * Features * Eligibility * Calculator * Fees and Charges * How to Apply * Manage your Loans LOANS FOR YOUR GOALS Loan for WeddingLoan for Higher EducationLoan for Home RenovationLoan for Medical Expenses * Business Loan Apply OnlinePre-approved Offer UNSECURED * MSME World * Overview * Features * EMI Calculator * Eligibility * How to Apply * Fees & Charges * Manage your Loans * Manage your Flexi Loans TYPES OF BUSINESS LOANS * Business Loan for Chartered Accountants * Loan Against Property for Chartered 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Home 2. Fees and Charges FEES AND CHARGES OF ALL PRODUCTS Fees and Charges of All Products * Reach Us * Fees and Charges * Sign-in to My Account * Pre-approved offers * FAQs * Locate Us * Terms of Use * Disclosures FEES AND CHARGES OF PERSONAL LOAN Bajaj Finserv offers attractive interest rates on personal loans up to Rs. 40 lakh to help you meet a range of financial requirements. Get collateral-free loans with minimum documentation, flexible tenor and disbursal within 24 hours* of approval. With Bajaj Finserv Personal Loan, you do not have to worry about any hidden fees or charges. Here are more details on the personal loan interest rates and charges: Type of fee Applicable charges Rate of interest 11% to 38% p.a. Processing fees Up to 3.93% of the loan amount (inclusive of applicable taxes). Flexi Fee Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) * Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 * Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 * Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 * Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 * Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 * Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 * Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 * Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 * Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above *All the Flexi charges above are inclusive of applicable taxes *Loan amount includes approved loan amount, insurance premium, and VAS charges. Bounce charges In case of default of repayment instrument, Rs. 700 - Rs. 1,200/- per bounce will be levied. Pre-payment charges Full Prepayment * Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. * Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. * Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment * Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. * Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. *Foreclosure will be processed post clearance of first EMI Penal charge Delay in payment of instalment(s) shall attract Penal Charge of up to 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. Mandate rejection charges Rs. 450 per month from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate. Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. Broken Period Interest/ Pre-EMI Interest Broken period interest/ Pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: * For Term Loan: Deducted from the loan disbursement * For Flexi Term Loan: Added to the first instalment * For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Switch fee Up to 1.18% of the loan amount (inclusive of applicable taxes). Switch fee is applicable only in case of switch of loan. In switch cases, processing fees will not be applicable. Note - Additional cess if any will be applicable on all charges according to the state law. *Terms and conditions apply For Micro Finance Loans, please note below: Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest, and average interest are 13%, 38%, and 36.79% per annum respectively. Part pre-payment and Foreclosure charges are NIL. FEES AND CHARGES OF BUSINESS LOAN Bajaj Finserv offers. the lowest rate of interest on business loan. Read more about our latest interest rate and fees and charges below. Type of fee Applicable charges Rate of interest 9.75% - 30% per annum Processing fee Up to 3.54% of the loan amount (inclusive of applicable taxes) Documentation charges Up to Rs. 2,360/- (inclusive of applicable taxes) Flexi fee Term Loan - Not applicable Flexi Term Loan (Flexi Dropline) - Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) • Up to Rs. 6,499/- (inclusive of applicable taxes) for loan amount less than Rs. 1000000/-. • Up to Rs. 8,999/- (inclusive of applicable taxes) for loan amount from Rs. 1000000/- to Rs. 1499999/-. • Up to Rs. 13,999/- (inclusive of applicable taxes) for loan amount from Rs. 15,00,000/- to Rs. 24,99,999/- • Up to Rs. 16,999/- (inclusive of applicable taxes) for loan amount of Rs. 25,00,000/- and above. *The Flexi charges above will be deducted upfront from the loan amount *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges. Prepayment charges Full prepayment •Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. •Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. •Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment •Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. •Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi. Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.413% (inclusive of applicable taxes) 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 total withdrawable amount during subsequent loan tenure. Bounce charges In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. Penal 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 the loan amount Instalment default charges Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: •For Term Loan: Deducted from the loan disbursement •For Flexi Term Loan: Added to the first instalment amount •For Flexi Hybrid Loan: Added to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Switch fee Up to 1.18% of the loan amount (inclusive of applicable taxes) (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable) *Switch Fee is applicable only in case of switch of loan. In switch cases, Processing Fees and Documentation Charges will not be applicable. FEES AND CHARGES OF SECURED BUSINESS LOAN Types of fee Applicable charges Rate of interest 9% - 30% per annum Processing fee Up to 3.54% of the loan amount (inclusive of applicable taxes) Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes) Flexi fee Not applicable Prepayment charges Full prepayment * Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. * Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. * Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment – * Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. * Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi. Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.413% (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 0.295% (inclusive of applicable taxes) on the total withdrawable amount during subsequent loan tenure. Bounce charges In case of default of repayment instrument, Rs. 1,500 per bounce will be levied Penal Charge Delay in payment of instalment(s) shall attract Penal Charge of Rs. 36 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 respective state Switch fees Up to 1.18% of the loan amount (inclusive of applicable taxes) (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable) Mandate rejection charges Rs. 450 per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: * For Term Loan: Deducted from the loan disbursement * For Flexi Term Loan: Added to the first instalment * For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: * In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Mortgage origination fees Up to Rs. 6,000/- per property (Inclusive of applicable taxes), 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. Property insight (if availed) Rs. 6,999 (inclusive of applicable taxes) CERSAI charges Up to Rs. 118/- (inclusive of applicable taxes) FEES AND CHARGES OF COMMERCIAL LENDING Types of fees Charges applicable Rate of interest Up to 15.00% per annum Processing fee Up to 2.36% of the loan amount (inclusive of applicable taxes) Prepayment charges Full prepayment * As per the agreed sanctioned terms of any facility : Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part prepayment * Up to 4.72% (inclusive of applicable taxes) of the outstanding amount of Loan prepaid on the date of such part prepayment. Bounce charges In case of default of repayment instrument, Rs. 3,000/- per bounce will be levied. Penal Charge As per Board Approved Policy. Click here to view the same. Stamp duty (as per respective state) Payable as per state laws and borne by the Customer. Other charges (Invoice audit charges, legal charges and other incidental charges, TSR/ Valuation/ CERSAI charges) On actuals (transaction specific) Discounting charges/ upfront interest / front ended interest Up to 15% per annum. Conversion Fee (Floating to Fixed) For Term Loan - Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). For Dropline Flexi Loan - Up to 1.18% (Inclusive of applicable taxes) on Flexi Limit + Undisbursed amount (if any). Note: (a) The Company would charge an additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. (b) Three conversions are permissible throughout the entire tenure. Conversion Fee (Fixed to Floating) For Term Loan - Up to 1.18% (inclusive of applicable taxes) of Principal Outstanding + Undisbursed amount (if any). For Dropline Flexi Loan - Up to 1.18% (inclusive of applicable taxes) on Flexi Limit + Undisbursed amount (if any). Note: Three conversions are permissible throughout the entire tenure. FEES AND CHARGES OF TWO-WHEELER LOAN Type of fee Applicable charges Rate of interest Up to 35% per annum Processing fee Up to 12.95% of the loan amount (inclusive of applicable taxes) Documentation and hypothecation charges Up to Rs. 2,500/- (inclusive of applicable taxes) collected upfront Stamp duty (as per respective state) Payable as per state laws and collected upfront Prepayment charges Full prepayment Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part-prepayment Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment *Full/part-prepayment will be processed post clearance of the first EMI Bounce charge In case of default of repayment instrument, Rs. 531/- per bounce will be levied 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. Instalment default charge Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Loan enhancement fee Rs. 117/- (inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with first instalment Legal, repossession and incidental charges Rs. 3,540/- (inclusive of applicable taxes) Stockyard charges Rs. 59/- per day up to 60 days (Inclusive of applicable Taxes) Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: * In this scenario, broken period interest is recovered by adding to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: * In this scenario, interest is charged only for the actual number of days since the loan was disbursed NOC KIT NA Fees for delay in RC hypothecation Rs. 1500/- (inclusive of applicable charges) *This is a one-time charge levied if there is delay in receiving the RC beyond 120 days post disbursement Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges 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. FEES AND CHARGES OF GOLD LOAN The below table lists the gold loan interest rate and charges applicable when you apply for a Bajaj Finserv Gold Loan Type of fee Applicable charges Interest rate 9.50% to 28% per annum Processing fees 0.12% of the loan amount (inclusive of applicable taxes). Subject to a minimum Rs. 99 (inclusive of applicable taxes) and maximum of Rs. 600 (inclusive of applicable taxes). Stamp duty (as per respective state) Payable as per state laws and deducted upfront from loan amount Cash handling charges Rs. 50/- (inclusive of applicable taxes). Applicable for cash disbursement only. Penal 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. 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 PG facility charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties 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 Minimum 7 days interest Scenario – Foreclosure charges are “0”, but in case the customer closes the loan within 7 days of booking, minimum 7 days interest is charged. Auction charges Charge for physical notice – Rs. 40/- (inclusive of applicable taxes) per notice Recovery charges – Rs. 500/- (inclusive of applicable taxes) Advertisement fee – Rs. 200/- (inclusive of applicable taxes) The interest rates applicable on gold loans are dynamic and frequently change due to external factors. FEES AND CHARGES OF LOAN AGAINST SECURITIES The following charges are applicable on loan against securities Types of fees Charges applicable Interest rate Up to 20% per annum Processing fee Up to 4.72% of the loan amount (inclusive of applicable taxes). Prepayment charges Full prepayment - Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment Part-prepayment - Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment Annual maintenance charges/ renewal fee Up to 1.18% (inclusive of applicable taxes) on the sanctioned amount Bounce charges In case of default of repayment instrument, Rs. 1,200/- per bounce will be levied. Penal 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 As applicable at actuals PG facility charges Rs. 11 (Inclusive of applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. *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 FEES AND CHARGES OF LOAN AGAINST INSURANCE POLICIES The following are the interest rates, fees and charges applicable on loan against insurance policies Type of fee Applicable charges Rate of interest Up to 20% per annum In case of lock-in policies, compounding interest will be charged In case of lock-in free policies, simple interest will be charged Processing fees Up to 3% (inclusive of applicable taxes) of the loan amount or Up to Rs. 10,000 (inclusive of applicable taxes). Flexi fee Not applicable Prepayment charges Full prepayment - Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. Part prepayment - Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. Annual maintenance charges Up to Rs. 2,949/- (inclusive of applicable taxes) if the loan tenure is above 12 months Renewal fees Up to Rs. 2,950/- (inclusive of applicable taxes) to be collected on renewal Bounce charges In case of default of repayment instrument, Rs. 1200/- per bounce will be levied. Penal charge For LIC (ULIP & Endowment) and Non-LIC (Endowment) Policies - Delay in payment of instalment(s) shall attract penal charge of Rs. 8/- per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount. For Non-LIC (ULIP) Policies - Delay in payment of instalment (as per payment frequency mentioned in the Sanction Letter) shall attract penal charges as more particularly described in Annexure I from the respective due date until the date of receipt of instalment (as per payment frequency mentioned in the Sanction Letter) /principal/overdue amount. To view Annexure 1 kindly click here. Stamp duty (as per respective state) Payable as per state laws. Mandate rejection charges Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered. Broken period interest/ pre-EMI interest Broken period interest/ pre-monthly instalment interest - Broken period/ pre-monthly instalment interest shall mean the amount of interest on loan for the number of day/s which is/are: Scenario 1: Over and above the period of 30 days from the date of disbursement of the loan Method of recovery of broken period interest/ pre-monthly instalment interest: Added to the first instalment amount Scenario 2: Less than period of 30 days from the date of disbursement of the loan, interest on first instalment will be charged for actual number of days Legal charges At actuals FEES AND CHARGES OF USED CAR FINANCE The following charges are applicable on used car finance: Type of fee Applicable charges Rate of interest 9.50% to 22% p.a. Processing fee Up to 2.95% of the loan amount (inclusive of applicable taxes). Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes). Flexi fee Term Loan – Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) * Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- * Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- * Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- * Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- * Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above The charges above will be deducted upfront from the loan amount *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges. Prepayment charges Full prepayment (foreclosure) * Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment. * Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. * Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure, on the date of such full prepayment. Part-prepayment * Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment. * Not applicable for Flexi variants Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): * Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: * Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. * Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure. Bounce charges In case of default of repayment instrument, Rs. 1,500 per bounce will be levied. 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 Actual legal and incidental charges under applicable laws Repossession charges Repossession charges at actuals with a maximum capping of Rs. 50,000 (inclusive of applicable taxes) Auction charges At actuals Valuation charges At actuals Stockyard charges Rs. 118 per day for 60 days (inclusive of applicable taxes) Mandate rejection charge Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered. Instalment default charges Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. 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). Duplicate NOC Rs. 500 (inclusive of applicable taxes). Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: * For Term Loan: Added to the first instalment amount * For Flexi Term Loan: Added to the first instalment amount * For Flexi Hybrid Loan: Added to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. PG facility charges 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. Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. FEES AND CHARGES OF NEW CAR FINANCE Type of fee Applicable charges Rate of interest 7.50% to 14% p.a. Processing fees Up to 2.95% of the loan amount (inclusive of applicable taxes). Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes). Flexi fee Term Loan – Not applicable Flexi Loan variant (as applicable below) - will be deducted upfront from the loan amount * Up to Rs. 999 (inclusive of applicable taxes) for a loan amount up to Rs. 9,99,999 * Up to Rs. 1,499 (inclusive of applicable taxes) for a loan amount of Rs. 10,00,000 and above *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges. Prepayment charges Full prepayment (foreclosure) * Term Loan – Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full prepayment * Flexi Hybrid Loan/Flexi Term Loan – Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full prepayment. Part-prepayment * Term Loan – Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. * Not applicable for Flexi Loan variants. Annual maintenance charges Term Loan - Not applicable Flexi Term Loan * Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan * Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. * Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. Bounce charges In case of default of repayment instrument, Rs. 1,500 per bounce will be levied. Penal 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 Actual legal and incidental charges under applicable laws. Repossession charges At actuals with a maximum capping of Rs. 50,000 (inclusive of applicable taxes) Auction charges At actuals Valuation charges At actuals Stockyard charges Rs. 118 per day for 60 days (inclusive of applicable taxes) Mandate rejection charges Rs. 450 per month from the first month of the due date for the mandate rejected by the customer’s bank until the new mandate is registered. NOC for interstate transfer Rs. 1,180 (inclusive of applicable taxes). NOC to convert from private to commercial Rs. 3,540 (inclusive of applicable taxes). Duplicate NOC Rs. 500 (inclusive of applicable taxes). Other NOC Rs. 1,180 (inclusive of applicable taxes). Loan cancellation charges “Broken period interest/pre-EMI interest” shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged. In this scenario, broken period interest is recovered by the following method: For Term Loan, Flexi Term Loan, and Flexi Hybrid Loan: Added to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Loan cancellation charges Up to Rs. 2,360/- (inclusive of applicable taxes). Note - In the event of loan cancellation, the customer shall also bear the interest accrued on the loan till the date of cancellation and stamp duty charges levied on the loan at the time of loan origination. FEES AND CHARGES OF CHARTERED ACCOUNTANT LOAN Also Get a Bajaj Finserv CA Loan of up to Rs. 80 lakh with minimal documentation and flexible tenure to meet your financial requirements. Types of fees Charges applicable Rate of interest 11% to 22% per annum Processing fee Up to 2.95% of the loan amount (inclusive of applicable taxes) Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes) Flexi fee Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above *The Flexi charges above will be deducted upfront from the loan amount. *Loan amount includes approved loan amount, insurance premium, VAS charges and documentation charges. Prepayment charges Full prepayment (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 In case of default of repayment instrument, Rs. 1,500 per bounce will be levied. 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. Instalment default charge Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: • For Term Loan: Deducted from the loan disbursement • For Flexi Term Loan: Added to the first instalment • For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Switch fees Up to 1.18% of the loan amount (inclusive of applicable taxes). (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable) FEES AND CHARGES OF HOME LOAN Type of fee Applicable charges Rate of interest (fresh loan) Salaried Self-employed Doctors 8.50%* to 15.00%* p.a. 9.10%* to 15.00%* p.a. 8.60%* to 14.00%* p.a. Rate of interest (balance transfer) Salaried Self-employed Doctors 8.70%* to 15.00%* p.a. 9.50%* to 15.00%* p.a. 8.80%* to 15.00%* p.a Processing fee Up to 7% Bounce charge In case of default of repayment instrument, the following charges per bounce will be applicable: •For loan amounts up to Rs. 15 lakhs: Rs. 500 •For loan amounts from Rs. 15,00,001 to Rs. 30,00,000: Rs. 1,000 •For loan amounts from Rs. 30,00,001 to Rs. 50,00,000: Rs. 1,500 •For loan amounts from Rs. 50,00,001 to Rs. 1,00,00,000: Rs. 2,000 •For loan amounts from Rs. 1,00,00,001 to Rs. 5,00,00,000: Rs. 3,000 •For loan amounts from Rs. 5,00,00,001 to Rs. 10,00,00,000: Rs. 5,000 •For loan amounts more than Rs. 10 crores: Rs. 10,000 Penal charge Click here to know about the penal charges. Secure fee Up to Rs. 10,000 + GST as applicable Interest and principal statement charges NIL Part-prepayment charges NIL Forclosure charges NIL Hard copy loan statement charges Up to Rs. 500 per request + GST as applicable FEES AND CHARGES OF LOAN FOR DOCTORS Get a Bajaj Finserv Doctor Loan of up to Rs. 80 lakh and repay it easily over flexible tenures of up to 8 years. Types of fees Charges applicable Rate of interest 11% to 22% per annum Processing fee Up to 2.95% of the loan amount (inclusive of applicable taxes) Documentation charges Up to Rs. 2,360/- (inclusive of applicable taxes) Flexi fee Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below): • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- • Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above *The Flexi charges above will be deducted upfront from the loan amount. *Loan amount includes approved loan amount, insurance premium, VAS charges and documentation charges. Prepayment charges Full prepayment • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of such full prepayment. • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. • Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of such full prepayment. Part prepayment • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment. • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Loan Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. • Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure. Bounce charges In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. Penal 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. Mandate rejection charges Rs. 450 per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered. Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: • For Term Loan: Deducted from the loan disbursement • For Flexi Term Loan: Added to the first instalment • For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Switch fees Up to 1.18% of the loan amount (inclusive of applicable taxes). (Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable) FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM CHOICE SUPERCARD The following are the charges applicable on the Platinum Choice SuperCard: Type of fee Charges applicable Joining fee Rs. 499 + GST Annual fee Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000) Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/ stolen/ reissue/ any other replacement) NIL Duplicate statement fee NIL Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM CHOICE SUPERCARD – FIRST-YEAR-FREE The following are the charges applicable on the Platinum Choice SuperCard – First-Year-Free: Type of fee Charges applicable Joining fee NIL Annual fee Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000) Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/ stolen/ reissue/ any other replacement) NIL Duplicate statement fee NIL Cheque return/ dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup+ 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM PLUS SUPERCARD The following are the charges applicable on the Platinum Plus SuperCard: Types of fees Charges applicable Joining fee Rs. 999 + GST Annual fee Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000 Effective from 1st April 2023) Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM PLUS SUPERCARD – FIRST-YEAR-FREE The following are the charges applicable on the Platinum Plus SuperCard – First-Year-Free: Types of fees Charges applicable Joining fee NIL Annual fee Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000 Effective from 1st April 2023) Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK WORLD PRIME SUPERCARD The following are the charges applicable on the World Prime SuperCard: Types of fees Charges applicable Joining fee Rs. 2,999 + GST Annual fee Rs. 2,999 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK WORLD PLUS SUPERCARD The following are the charges applicable on the World Plus SuperCard: Types of fees Charges applicable Joining fee Rs. 4,999 + GST Annual fee Rs. 4,999 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK BINGE FIRST YEAR FREE SUPERCARD Types of fees Charges applicable Joining fee NIL Annual fee Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000) Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK BINGE SUPERCARD Types of fees Charges applicable Joining fee Rs. 999 + GST Annual fee Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000) Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM SHOPDAILY SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 499 + GST Annual fee Rs. 499 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM EDGE SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 1,999 + GST Annual fee Rs. 1,999 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK TRAVEL EASY SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 999 + GST Annual fee Rs. 999 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK SHOP SMART SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 499 + GST Annual fee Rs. 499 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK CREDIT CARDS Card Variant Annual fee (1st year) Annual fee (2nd year onwards) Spend limit for annual fee waiver Binge SuperCard Rs. 999 + GST Rs. 999 + GST 1,00,000 Binge SuperCard - First-year-free NIL Rs. 999 + GST 1,00,000 Platinum Choice SuperCard Rs. 499 + GST Rs. 499 + GST 50,000 Platinum Choice SuperCard - First-year-free NIL Rs. 499 + GST 50,000 Platinum Plus SuperCard Rs. 999 + GST Rs. 999 + GST 1,00,000 Platinum Plus SuperCard - First-year-free NIL Rs. 999 + GST 1,00,000 Platinum ShopDaily SuperCard Rs. 499 + GST Rs. 499 + GST Platinum Edge SuperCard Rs. 1,999 + GST Rs. 1,999 + GST World Prime SuperCard Rs. 2,999 + GST Rs. 2,999 + GST World Plus SuperCard Rs. 4,999 + GST Rs. 4,999 + GST Platinum ValuePlus SuperCard Rs. 4,999 + GST Rs. 4,999 + GST Platinum ShopSmart SuperCard Rs. 4,99 + GST Rs. 4,99 + GST Platinum TravelEast SuperCard Rs. 999 + GST Rs. 999 + GST Platinum LifeEasy SuperCard Rs. 1,499 + GST Rs. 1,499 + GST Platinum ShopGain SuperCard Rs. 1,499 + GST Rs. 1,499 + GST Platinum Advantage SuperCard Rs. 4,99 + GST Rs. 4,99 + GST MyFirst SuperCard Rs. 999 Rs. 999 MyFirst SuperCard - First-year-free NIL EasySaver SuperCard Rs. 499 Rs. 499 EasySaver SuperCard - First-year-free NIL Click here to know the applicable schedule of charges on SuperCard. FEES AND CHARGES OF LOAN AGAINST PROPERTY Types of fees Applicable charges Rate of interest (floating rate of interest) 8% to 14% per annum Processing fee Up to 3.54% of the loan amount (inclusive of applicable taxes) Documentation charges Up to Rs. 2,360/- (inclusive of applicable taxes) Flexi fee Term Loan - Not applicable Flexi Variant - Not applicable Prepayment charges Full prepayment * Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment * Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. * Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part-prepayment * Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment. * Not applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi Note: If all borrowers and co-borrowers are individuals, loan availed on floating interest rates, and loan taken for purposes other than business use, then there will be no foreclosure/ part-prepayment charges. Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during Initial loan tenure. Not applicable for subsequent loan tenure. Bounce charges In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied Penal 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 Instalment default charge Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: •For Term Loan: Deducted from the loan disbursement •For QDP process and disbursement mode is cheque: Added to the first instalment •For Flexi Term Loan: Added to the first instalment •For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: •In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Mortgage origination fees Up to Rs. 6,000/- per property (inclusive of applicable taxes) charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount. CERSAI charges Up to Rs. 118/- (inclusive of applicable taxes) Conversion fee (floating to fixed) For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. b) Three conversions are permissible throughout the entire tenure Conversion fee (fixed to floating) For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: Three conversions are permissible throughout the entire tenure. Switch fee for ROI change Up to 2.36% (inclusive of applicable taxes) of principal outstanding Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges 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. Commitment fee Maximum up to total PF amount. FEES AND CHARGES OF BAJAJ PAY WALLET The following charges are applicable on Bajaj Pay Wallet: Bajaj Pay Wallet – Fees and Charges Service Charges (Rs.) Account opening Rs. 0 Load money Charges (Rs.) Through credit card Up to 5% per transaction (inclusive of applicable taxes) Through debit card Up to 2% per transaction (inclusive of applicable taxes) Through UPI Nil Through UPI (Via Rupay Credit Card) Up to 5% per transaction (Inclusive of applicable taxes) Through Net Banking Up to 2% per transaction (inclusive of applicable taxes) *Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time Payment Charges (Rs.) Payment at merchant Rs. 0 Payment for Bill Payments and Recharges Up to 2% per transaction (Inclusive of applicable taxes) Platform Fee Up to Rs. 5/- for each Prepaid Mobile Recharge *Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time Transfer Charges (Rs.) Bajaj Pay Wallet to wallet Rs. 0 Bajaj Pay Wallet (full KYC only) to bank Up to 5% per transaction (inclusive of applicable taxes) *For failed transaction, total amount including charges & taxes are reversed. *Additional cess will be applicable on all charges in accordance with the state specific laws. FEES AND CHARGES OF BAJAJ FINSERV RBL BANK VALUE PLUS SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 499 + GST Annual fee Rs. 499 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM SHOPGAIN SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 1,499 + GST Annual fee Rs. 1,499 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is highe Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM LIFEEASY SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 1999 + GST Annual fee Rs. 1999 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF MEDICAL EQUIPMENT FINANCE 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 fee Not applicable Cash Collection Handling Charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG Facility Charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. 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 In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. 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 Instalment Default Charge Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: * For Term Loan: Added to the first instalment amount * For QDP process: Added to first instalment amount * For Flexi Hybrid Loan: Added to the first instalment amount Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Legal, repossession and incidental charges Actual legal and incidental charges under applicable laws. LC processing fees Up to 2.36% of the loan amount (inclusive of applicable taxes) CERSAI charges Up to Rs. 118/- (inclusive of applicable taxes) FEES AND CHARGES OF BAJAJ FINSERV RBL BANK PLATINUM ADVANTAGE SUPERCARD To know about the fees and charges applicable on this credit card, refer the table below Types of fees Charges applicable Joining fee Rs. 499 + GST Annual fee Rs. 499 + GST Add-on card fees NIL Cash payment at branches Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 Surcharge on purchase/ cancellation of railway tickets IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ 1.00% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% Reward redemption fees A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card. T&C apply Cash advance transaction fee 2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable) Over-limit penalty ^^ Rs. 600+ GST (w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + GST Finance charges (retail purchases and cash) APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) Card replacement (Lost/stolen/reissue/any other replacement) NIL Duplicate statement fee NIL Cheque return/dishonour fee auto debit reversal-bank account out of funds Rs. 500 + GST Dynamic Currency Conversion Fee Markup + 3.5% of the transaction amount + GST Merchant EMI transaction*** Rs. 199 + GST per merchant EMI transaction Rental transactions 1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant Late payment charges Late payment fee 12.5% of the outstanding amount Minimum Rs. 5 Maximum Rs. 1,300 All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. *Refer to the IRCTC website for details. ^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. Maximum waiver is Rs. 100 ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/ website/ app. EMI transactions will not accrue base reward points ^^Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard). There will be no upper limit capping. + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.) Terms and Conditions apply FEES AND CHARGES OF EMI NETWORK CARD/ INSTA EMI CARD 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) Online convenience fee Rs. 69/- (inclusive of applicable taxes) applicable to customers who avail Insta EMI Card exclusively through digital mode. EMI Network Card loan limit enhancement fee Rs. 117/- (inclusive of applicable taxes) EMI Network Card Annual fee Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed of any loan using the EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of EMI Network Card. For an example, if the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020. Add-on EMI Network Card fee Rs. 199/- (inclusive of applicable taxes) *Additional fees and charges will apply when utilising the EMI Network Card to avail of loans. 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. Bounce charges In case of default of repayment instrument, up to Rs. 500/- per bounce will be levied. 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. Instalment Default Charge Rs 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Loan enhancement fees Rs. 117/- (inclusive of applicable taxes) will be added to the first instalment. Convenience fee Rs. 149/- (inclusive of applicable taxes) will be collected along with first instalment. Cash Collection Handling Charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG Facility Charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. FEES AND CHARGES OF HEALTH EMI NETWORK CARD FEES AND CHARGES The following charges are applicable on Health EMI Network Card: Type of fees Charges applicable Health EMI Card Network Card fee - Gold Rs. 707/- (inclusive of applicable taxes) Health EMI Card Network Card fee - Platinum Rs. 999/-(inclusive of applicable taxes) Corporate/ Hospital Health EMI Network Card Fee Up to Rs. 599 (inclusive of applicable taxes) Annual fee Up to Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the Health EMI Network Card holders who have not availed any loan using the Health EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your Health EMI Network Card. For example, if the Health EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the Health EMI Network Card) the date for payment of the annual fee will be March 2020. The following charges are applicable for availing loan limit through Health EMI Network Card: Processing fee Up to Rs. 1,017/- (inclusive of applicable taxes) collected upfront. Bounce charges In case of default of repayment instrument, Rs. 500/- per bounce will be levied. Penal 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. Instalment Default Charge Rs 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Loan enhancement 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 Collection Handling Charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG Facility Charges 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. FEES AND CHARGES OF EMI NETWORK 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 fee and upfront interest Up to Rs. 5,000 (inclusive of applicable taxes) collected upfront or added in the first EMI. Bounce charge In case of default of repayment instrument, Rs. 500 per bounce will be levied. 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. Instalment Default Charge Rs. 450 per month from the first instalment due date for mandate rejected by customer’s bank until the new mandate is registered Loan enhancement fee Rs. 117 (inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment. Convenience fee Rs. 149 (inclusive of applicable taxes) will be collected along with the first instalment. Transaction fee** Rs. 147 (inclusive of applicable taxes) will be collected along with the first instalment. **"Transaction fees" refers to sum payable by customer (i) who does not hold valid EMI card; (ii) to whom the loan is facilitated; and (iii) at the time of making payment of first EMI/upfront payment as part of loan transaction Credit Suraksha fee Rs. 117 (inclusive of applicable taxes) if applicable Full prepayment (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 Cash Collection Handling Charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG Facility Charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 5X REWARDS SUPERCARD FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee Rs. 499 + GST Renewal fee Rs. 499 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 5X PLUS REWARDS SUPERCARD FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee Rs. 999 + GST Renewal fee Rs. 999 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 5X REWARDS FIRST-YEAR-FREE FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee NIL Renewal fee Rs. 499 + GST Reward redemption fee Rs. 99 + GST (per redemption) Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 5X PLUS REWARDS FIRST-YEAR-FREE FEES AND CHARGES Type of fee Fees (Rs.) Joining fee Nil Renewal fee Rs. 999 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 7X REWARDS SUPERCARD FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee Rs. 1,499 + GST Renewal fee Rs. 1,499 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 7X PLUS REWARDS SUPERCARD FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee Rs. 1,999 + GST Renewal fee Rs. 1,999 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 10X SIGNATURE SUPERCARD FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee Rs. 2,999 + GST Renewal fee Rs. 2,999 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF BAJAJ FINSERV DBS BANK 10X PLUS SIGNATURE SUPERCARD FEES AND CHARGES Type of fee Fees (in Rs.) Joining fee Rs. 4,999 + GST Renewal fee Rs. 4,999 + GST Reward redemption fee Rs. 99 + GST per redemption Cash advance fee 2.5% of the cash amount (minimum Rs. 500) Late payment fee • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) Over limit fee Rs. 600 + GST Finance charges Up to 4% per month or 48% per annum EMI conversion processing fee 2% of the conversion amount. Subject to a minimum of Rs. 249 Click here to read the detailed schedule of charges and MITCs. Click here to read product benefits and terms. FEES AND CHARGES OF MOBILE RECHARGE AND BILL PAYMENTS 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. FEES AND CHARGES OF B2B DEALER BANKER Types of fees Applicable charges Rate of interest Business Loan: 9.75% to 25% per annum Home Loan: 6% to 12% per annum Loan against Property: 6% to 15% per annum Secured Business Loan: 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) Documentation charges Up to Rs. 2360 (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 fee (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 In case of default of the repayment instrument, Rs. 1,500 per bounce will be levied. 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. Instalment default charge Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on the Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: • For Term Loan: Deducted from the loan disbursement. • For Flexi Term Loan: Added to the first instalment amount. • For Flexi Hybrid Loan: Added to the first instalment amount. Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. 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 Switch fee HL and LAP: Up to 1.18% (inclusive of applicable taxes) in case customer approaches for ROI change in secured cases. Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges Rs. 11 (inclusive of applicable taxes) will be charged for utilising the payment gateway to make part or full payment towards the loan through digital properties. FEES AND CHARGES OF LEASE RENTAL DISCOUNTING (LRD) Type of fee Applicable charges Processing fees Up to 3.54% of the loan amount (inclusive of applicable taxes) Document processing charges Up to Rs. 2,360/- (inclusive of applicable taxes) Flexi fee Term Loan: Not applicable Flexi variant: Not applicable Pre-payment charges Full pre-payment/Foreclosure ·Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. ·Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. ·Flexi Hybrid Loan: Not applicable Part pre-payment ·Up to 4.72% (inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part pre-payment. ·Flexi Term Loan (Flexi Dropline): Not applicable Note: If all borrowers and co-borrowers are Individual, loan availed on floating interest rates, and loan taken for purpose other than business use, then there will be no foreclosure/part-payment charges. Annual maintenance charges Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Not applicable Bounce charges In case of default of repayment instrument Rs. 1,500/- per bounce will be levied. Penal 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 Instalment default charge Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered. Broken Period Interest/ Pre-EMI Interest Broken Period Interest/Pre EMI-Interest' shall mean the amount of interest on loan for the number of day(s) which is(are): Scenario 1 - Over and above the period of 30 (thirty) days from the date of disbursement of the loan: Method of recovery of Broken Period Interest/Pre-EMI Interest: For Term Loan: Deduct from disbursement For QDP process & disbursement mode is cheque: Added to first instalment amount For Flexi Term Loan: Added to first instalment amount For Hybrid Flexi Loan: Added to first instalment amount Scenario 2 - Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days. Mortgage origination fees Up to Rs. 6,000/- (inclusive of applicable taxes) per property charged upfront. Note - In case of re-valuation of the property then MOF will be levied again and shall be deducted from loan disbursement amount. CERSAI charges Up to Rs. 118/- (inclusive of applicable taxes) Conversion fee (floating to fixed) For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: a) The company would charge additional interest rate risk premium of 200 bps over the applicable rate of interest on the borrower's loan account as on that date. b) Three conversions are permissible throughout the entire tenure Conversion fee (fixed to floating) For Term Loan: Up to 1.18% (inclusive of applicable taxes) of principal outstanding + undisbursed amount (if any) For Flexi Term Loan and Hybrid Flexi Loan: Up to 1.18% (inclusive of applicable taxes) on flexi limit + undisbursed amount (if any) Note: Three conversions are permissible throughout the entire tenure. Switch fee for ROI change Up to 2.36% (inclusive of applicable taxes) of principal outstanding Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges 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. Commitment fee Maximum up to total PF amount. FEES AND CHARGES FOR BAJAJ PAY FASTAG The following are the fees and charges applicable on the Bajaj Pay FASTag: Bajaj Pay FASTag – Fees and charges Service Charges (Rs.) Issuance fee Up to Rs. 100 Replacement fee Up to Rs. 100 FEES AND CHARGES OF MICROFINANCE GROUP LOAN Rate of Interest Minimum Maximum Average rate of interest in last quarter (%) 24% p.a. 26% p.a. 24.72% p.a. Type of fee Applicable charges Processing fees Up to 1.5% (inclusive of applicable taxes) of the total loan amount Documentation charges Not Applicable Prepayment charges Part-prepayment – NIL Full prepayment – NIL Bounce charges In case of default of repayment instrument, up to Rs. 50/- per bounce will be levied. 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 Instalment default charge Up to Rs. 50/- per month from the first instalment due date for mandate rejected by customer’s bank until the new mandate is registered. 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. FEES AND CHARGES OF PHARMA LOAN Types of fees Charges applicable Rate of interest 11% - 22% per annum Processing fee Up to 2.95% of the loan amount (inclusive of applicable taxes) Flexi fee Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes) Flexi Hybrid Loan (as applicable below) · Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- · Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- · Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- · Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- · Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above *The Flexi charges 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) 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 In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. 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 Mandate rejection service charges Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered Broken period interest/ pre-EMI interest Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s), which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: • For Term Loan: Deducted from the loan disbursement • For Flexi Term Loan: Added to the first instalment • For Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. Cash Collection handling Charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs 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" PG Facility Charges Rs. 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties FEES AND CHARGES ON ESOP FINANCING The following charges are applicable on ESOP financing: 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 the applicable taxes) of the principal amount of loan prepaid on the date of such part-prepayment Bounce charges In case of default of repayment instrument, Rs. 1,200/- per bounce will be levied. 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 As applicable at actuals PG facility charges Rs. 11 (Inclusive of applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. *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. FEES AND CHARGES OF IPO FINANCING 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 At actuals PG facility charges Rs. 11 (Inclusive of applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards the loan through digital properties. *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. FEES AND CHARGES OF NEW TRACTOR FINANCE Type of fee Applicable charges Rate of interest 12% to 20% p.a. Processing fees Up to 3% of the loan amount (inclusive of applicable taxes) Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes) Flexi fee Term Loan - Not applicable Flexi Term Loan - 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 In case of default of repayment instrument Rs. 1,000 per bounce will be levied 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. Instalment default charge Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered 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) Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are): Scenario 1: Over and above the period of 30 days from the date of disbursement of the loan Method of recovery of broken period interest/ pre-EMI interest: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): Added to first instalment amount. Scenario 2: Less than period of 30 days from the date of disbursement of the loan, interest on first instalment will be charged for actual number of days. 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) Duplicate NOC 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. Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges 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. FEES AND CHARGES OF SMALL IMPLEMENT FINANCE Type of fee Applicable charges Rate of interest 12% to 20% p.a. Processing fees Up to 3% of the loan amount (inclusive of applicable taxes). Documentation charges Nil 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. 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. Bounce charges In case of default of repayment instrument Rs. 250 per bounce will be levied. Penal charge Delay in payment of instalment(s) shall attract penal charge of Rs. 27 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount. Instalment Default Charge Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. Legal, repossession and incidental charges Up to Rs. 25,000 (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 "Broken Period Interest/ pre-EMI Interest" shall mean the amount of interest on Loan for the number of day(s) which is(are): Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the Loan Method of recovery of Broken Period Interest/ pre-EMI Interest: For Term Loan: Added to first instalment amount. Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days. NOC KIT NA NOL (No Objection Letter) charges (To convert from private to commercial or interstate transfer) Rs. 500/- (inclusive of applicable taxes) (In case of registered implements) Duplicate NOC Rs. 500 (inclusive of applicable taxes). (In case of registered implements) Loan rebooking charge Rs. 500 (inclusive of applicable taxes) – In case of rebooking requested by customer Loan cancellation charge Rs. 1,000 (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. Cash collection handling charges Rs. 177/- (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges 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. FEES AND CHARGES OF USED TRACTOR FINANCE Type of fee Applicable charges Rate of interest 18% to 26% p.a. Processing fees Up to 3% of the loan amount (inclusive of applicable taxes). Documentation charges Up to Rs. 2,360 (inclusive of applicable taxes). Flexi fee Term Loan - Not applicable Flexi Term Loan - 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 In case of default of repayment instrument Rs. 1,000 per bounce will be levied 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. Instalment default charge Rs. 450 per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered 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) Broken period interest/ pre-EMI interest shall mean the amount of interest on loan for the number of day(s) which is(are): Scenario 1: Over and above the period of 30 days from the date of disbursement of the loan Method of recovery of broken period interest/ pre-EMI interest: For Term Loan, Flexi Hybrid Loan, Flexi Term Loan (Dropline Flexi): Added to first instalment amount. Scenario 2: Less than period of 30 days from the date of disbursement of the loan, interest on first instalment will be charged for actual number of days. NOC KIT NA NOL (No Objection Letter) charges (To convert from private to commercial or interstate transfer) Rs. 500 (inclusive of applicable taxes) Duplicate NOC 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. Cash collection handling charges Rs. 177 (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is done by the collection agents. This fee is charged only once per month, regardless of the number of payments made against multiple LANs. 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. PG facility charges 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. FEES AND CHARGES OF RETAILER FINANCE Below are the charges for retailer finance: Type of fee Applicable charges Rate of interest Up to 14% p.a. Processing fee Up to 2% of the loan amount (inclusive of applicable taxes) For CD dealers - Up to 0.5% of the limit or up to Rs. 8,999/- (Inclusive of applicable taxes), whichever is lower Documentation charges Up to Rs. 17,700/- (inclusive of applicable taxes) Prepayment charges Up to 4.72% on sanction limit Annual maintenance charges Up to 0.5% of the 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 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 Payable as per state laws Legal, repossession and incidental charges Actual legal and incidental charges under applicable law ROC filing charges At actuals CERSAI charges At actuals 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. FEES AND CHARGES OF TRADE ADVANCE Here are the charges for trade advance: Type of fee Applicable charges Rate of interest Up to 14% p.a. Processing fee Up to 2% of the loan amount (Inclusive of applicable taxes) Up to Rs. 8,999/- for tractor dealers Annual maintenance charges Upto 1.18% (inclusive of applicable taxes) applicable on loan amount Tranche breach charges/ Penal charge Delay in payment of respective tranche shall attract penal charge of 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 Payable as per state laws Documentation charges Up to Rs. 2,360/- (inclusive of applicable taxes) Legal, repossession and incidental charges Actual legal and incidental charges under applicable law RELATED VIDEOS * 00:30 WHAT ARE THE MOST COMMON FEES & CHARGES ASSOCIATED WITH A CREDIT CARD? * 00:29 WHAT IS THE DIFFERENCE BETWEEN JOINING FEES AND ANNUAL FEES IN A CREDIT CARD? * 00:30 INSTA EMI CARD - AN OVERVIEW * 00:43 WHAT IS WALLET UPI? * Customer care number * Check loan details * Make a payment online * Download loan statement 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