Fees & Charges for Personal Loan
DhanLaxmi Finance ensures complete transparency in pricing. Below is a list of applicable charges you may incur during your loan journey. These are industry-standard fees charged by most NBFCs in India.
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Loan Processing Fee
- Up to 2.5% of the loan amount (plus applicable GST)
- Deducted upfront before disbursal
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Documentation Charges
- Flat ₹500 to ₹1,000 (based on profile)
- Includes agreement drafting & stamp duty
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EMI Bounce Charges
- ₹300 to ₹750 per bounce
- Applicable if ECS/NACH fails due to insufficient funds
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Late Payment Charges
- 2% to 4% per month on overdue EMI
- Charged on the overdue amount till paid
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Loan Foreclosure Charges
- 4% to 6% of the outstanding principal (plus GST)
- Foreclosure allowed after 6 months of loan disbursal
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Loan Rescheduling/Rebooking
- ₹1,000 – ₹2,000 per request
- Subject to internal approval
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Customer Support Fee (If applicable)
- Zero for general queries
- ₹50 – ₹200 for specific services like NOC re-issue, foreclosure letters, etc.
Need Help?
For any queries or help with the application process, feel free to reach out to us using the form below.