10% p.a. to 28% p.a.

Note:
‘Broken Period Interest’ shall be charged and collected, wherever applicable

3% p.m. (36% p.a.) on the overdue amount for the delayed period

2% p.a. on the outstanding loan amount till the date of compliance

Up to Rs. 1,000/- per instance and per agreed repayment cycle

Rs. 450 per instance

Up to 4% of the Loan Sanctioned Amount

Up to 7% of the Part Payment amount if done within 13 months from the date of disbursal, up to 6% of the Part Payment amount if done from 13 to 25 months from the date of disbursal & up to 5% of the Part Payment amount post 25 months.

For Dropline Credit & Flexi Dropline Credit Facility –
(A) No charges for payments through mobile app/portal.
(B) Part pre-payment of loan facility towards limit reduction is not available.

Conditions:
(A) Maximum cumulative part prepayments of up to 20% of the principal outstanding during a year shall be permitted, calculated on a per-transaction basis.
(B) This charge will be applicable only for fixed rate loans.

Up to 7% of the Principal Outstanding/Withdrawable amount if done within 13 months from the date of disbursal, up to 6% of the Principal Outstanding/Withdrawable amount if done from 13 to 25 months from the date of disbursal & up to 5% of the Principal Outstanding/Withdrawable amount post 25 months.

Condition: This charge will be applicable only for fixed rate loans

Principal Outstanding is applicable to: Term Loan & Flexi Personal Loan Facility.
Withdrawable limit is applicable to: Dropline Credit & Flexi Dropline Credit.

For Dropline Credit & Flexi Dropline Credit Facility only:
Charge of 0.25% per month (3% p.a.) on the non-utilized Dropline Credit Facility (Total Withdrawable Limit minus Average Monthly Utilized Amount); applicable where average monthly utilization is ≤25%

Cancellation allowed within 7 days from the date of disbursal subject to following charges (plus additional taxes wherever applicable):

1. The applicable processing fee to be retained before reversing the funds.
2. For any cross-sell product, including third-party product fees, the charges should be retained before reversing any funds. Only insurance-related charges will be reversed if the customer has made an upfront payment, provided the associated policy is cancelled and the corresponding refund amount is received by ABCL.
3. Rs. 2000 charge of cancellation to be paid by the customer.

Post cooling off period Foreclosure charges are applicable

For Physical copy, Rs. 500 per request

Rs. 1000 per instance

Rs. 750 per instance

Rs. 750 per instance

Note: Interest accrued (from original EMI date to revised EMI date), if any, on account of EMI date change interest shall be applicable and payable upfront over and above the EMI change date charges

Rs. 5,000 per instance

Rs. 500 per instance

For Dropline Credit & Flexi Dropline Credit Facility only:
0.25% on total withdrawable amount deducted at the beginning of the each year, irrespective of utilization on the date of levy of such charges

For Flexi Personal Loan & Flexi Dropline Credit Facility:
₹1,999 for loan amounts between ₹1,00,000 and ₹3,00,000
₹2,999 for loan amounts between ₹3,00,001 and ₹6,00,000
₹3,999 for loan amounts between ₹6,00,001 and ₹9,00,000
₹5,999 for loan amounts between ₹9,00,001 and ₹12,00,000
₹7,999 for loan amounts between ₹12,00,001 and ₹15,00,000
₹9,999 for loan amounts between ₹15,00,001 and ₹18,00,000
₹11,999 for loan amounts between ₹18,00,001 and ₹21,00,000
₹14,999 for loan amounts greater than ₹21,00,000
will be deducted upfront from the loan amount

As per actuals

As per actuals

As per actuals

Note: GST at applicable rates, shall be levied as per the prevailing law for Banking & Financial services sector including NBFC.