Schedule of Charges

2024
 Schedule of Charges

As on date also to be Detailed Charges

mentioned -
Sl. Amazon Pay Tata Pay Later Axio Pay Later
Loan Particulars Personal Loan Walnut Prime
No Later (W369)
30,000 INR - 10,000 INR -
1 Loan Amount variable variable variable
3,80,000 lacs INR 5,00,000 INR
9 Months - 42 3 Months - 36
2 Loan Term variable variable variable
Months Months
3 Interest Type Reducing Reducing Reducing Reducing Reducing
Interest Chargeable not exceeding not exceeding not exceeding
4 17.99% - 35.88% 14.00% - 36.00%
(Annualised ROI) 24% 24% 24%
Mode of communication of
5 changes in interest rates NA N/A N/A N/A SMS, Email

Non-refundable Processing
6.a Up to 3% + GST N/A N/A N/A Up to 2% + GST
Fee
There are no fore-
closure charges but
a customer can
6.b Foreclosure Charges fore-close the loan N/A N/A N/A 0%
only after 6 months
from first EMI due
date.
Part prepayment is
allowed after a lock-
in of 6 months from Partial prepayment
first EMI due date. is not allowed - Any
Post the lock-in partial prepayment
period, a customer that is made will
can make part only be used to
6.c Part pre-payment Charges prepayment up to a N/A N/A N/A knock off EMIs in
maximum of 20% of the future; It will
the Principal not reduce the
outstanding. Part outstanding balance
prepayment is only on the date of this
allowed once every partial prepayment
6 months post the
lock-in period.
6.d Loan Cancellation Charges NA N/A N/A N/A NA

axio (brand name of CapFloat Financial Services Private Limited ‘NBFC’)

CIN: U65993KA1993PTC074590
axio, New no. 3 (Old no. 211), Upper Palace Orchards, Bellary Road, Sadashiva Nagar, Bengaluru – 560080

email: ask@axio.co.in ph: +91-8023081800

 Schedule of Charges

Dishonour of Standing
6.e 800 INR N/A N/A N/A NA
Instruction #
6.f Penal Interest rate N/A N/A N/A N/A NA
Fee refundable if loan not
6.g NA N/A N/A N/A NA
sanctioned/disbursed
Conversion of charges for
6.h switching from floating to NA N/A N/A N/A NA
fixed interest and vice-versa
Subject to Amount
7.a EMI Payable NA N/A N/A N/A
and Tenure
Subject to Amount
7.b No. of Instalments NA N/A N/A N/A
and Tenure
Details of security/collateral
8 NA N/A N/A N/A NA
obtained
Date on which annual
9 outstanding balance will be NA N/A N/A N/A NA
issued
Monthly Due Monthly Due
Amount if Amount if <=100 Monthly Due
<=200 INR, then INR, then no Amount if
no charges; charges; >100 & <=200 INR,
>200 & <=1000 <=500 then 50 then no
then 125 INR; INR; >500 & charges; >200
10 Late fee charges NA >1000 & <=1000 then & <=5000 then NA
<=5000 then 100 INR; >1000 300 INR; >5000
250 INR; >5000 & <=5000 then & <=20000
& <=20000 then 250 INR; >5000 then 500 INR;
425 INR; & <=20000 then >20000 then
>20000 then 400 INR, >20000 650 INR
600 INR then 600 INR
2% p.m. is charged
on the outstanding
principal of the
delinquent
payments. E.g. if
the outstanding
11 Penal charges **
principal of the
delinquent payment
is ₹1500, then ₹1 is
charged per day of
delayed payment
(2% * 1500/30)
As per disbursal As per Disbursal
12 Pre EMI charges date N/A N/A N/A Date

axio (brand name of CapFloat Financial Services Private Limited ‘NBFC’)

CIN: U65993KA1993PTC074590
axio, New no. 3 (Old no. 211), Upper Palace Orchards, Bellary Road, Sadashiva Nagar, Bengaluru – 560080

email: ask@axio.co.in ph: +91-8023081800

 Schedule of Charges

Notes
1. CapFloat Financial Services reserves the right to changes these rates/charges or re-negotiate them
depending upon relationship of a customer
2. ** This is applicable post 11th Jan 2024
3. # Applicable from 5th March 2024 for all loans with outstanding EMIs.

axio (brand name of CapFloat Financial Services Private Limited ‘NBFC’)

CIN: U65993KA1993PTC074590
axio, New no. 3 (Old no. 211), Upper Palace Orchards, Bellary Road, Sadashiva Nagar, Bengaluru – 560080

email: ask@axio.co.in ph: +91-8023081800