Fees & Charges for Personal Loan

Nidhi Capital 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.

💰
Loan Processing Fee
  • Up to 2.5% of the loan amount (plus applicable GST)
  • Deducted upfront before disbursal
📄
Documentation Charges
  • Flat ₹500 to ₹1,000 (based on profile)
  • Includes agreement drafting & stamp duty
📆
EMI Bounce Charges
  • ₹300 to ₹750 per bounce
  • Applicable if ECS/NACH fails due to insufficient funds
⏱️
Late Payment Charges
  • 2% to 4% per month on overdue EMI
  • Charged on the overdue amount till paid
🔁
Loan Foreclosure Charges
  • 4% to 6% of the outstanding principal (plus GST)
  • Foreclosure allowed after 6 months of loan disbursal
🔄
Loan Rescheduling/Rebooking
  • ₹1,000 – ₹2,000 per request
  • Subject to internal approval
📞
Customer Support Fee (If applicable)
  • Zero for general queries
  • ₹50 – ₹200 for specific services like NOC re-issue, foreclosure letters, etc.


Office address

101-103, Mittal Court, A Wing, 10th Floor, Nariman Point, Mumbai 400021 - Maharashtra

Helpline number

9831772624

Mail address

support@nidhicapital.org.in

🔔 Important Information

Interest Rate: Starting interest rate may vary based on factors such as credit history, existing financial obligations, and the lender's discretion.

Eligibility: Loan approval is subject to successful completion of KYC and income verification procedures.

Annual Percentage Rate (APR) offered between 02nd Oct 2022 to 31st Mar 2023:
Min APR - 5.99%, Max APR - 18%

Repayment Schedule: Minimum - 12 months, Maximum - 240 months ^T&C apply

Example: On a personal loan of ₹1,00,000 at 8% interest p.a. for a tenure of 24 months, the monthly EMI will be ₹4,523.