Pricing transparency
Charges & fees
Effective: 01 January 2026 · Last reviewed: 01 January 2026
Every charge below is disclosed before you accept the loan, on the Key Fact Statement (KFS) and the Loan Agreement. There are no hidden charges, no asterisks, no surprises. PaisaSure Technologies Pvt. Ltd. does not levy any fee beyond what is listed on this page.
One-time charges (at sanction)
| Charge | Amount | GST |
|---|---|---|
| Processing fee | 2%–10% of sanctioned principal | 18% on the fee |
| Stamp duty | As applicable per state; recovered at sanction | Not applicable |
Recurring charges (during the loan)
| Charge | Amount |
|---|---|
| Interest on outstanding principal | Up to 1% per day, accrued daily, charged on actual days outstanding |
Default charges (only if you miss a due date)
| Charge | Amount | When applied |
|---|---|---|
| eNACH bounce fee | ₹500 per attempt | Each failed mandate presentation |
| Late payment fee | ₹50 per day | From the day after the due date until cure |
| Penal interest | 0.5% per day on overdue principal | From the day after the due date until cure |
| GST on penal charges | 18% on the above | As applicable |
| Cheque dishonour | Not applicable | We do not accept payment by cheque |
Prepayment / foreclosure
Nil — borrower may prepay or foreclose without penalty.
What we never charge
- Login or application fee
- Credit-report pull fee
- Document collection fee
- Account closure / NOC issuance fee
- Statement-of-account fee (electronic copy)
Suspicious of a charge?
If you see a deduction or call that doesn't match this page, raise a grievance immediately via grievance redressal. We will refund any incorrect charge within 7 working days of confirming the error.