Every rate, fee and charge for ClickMyLoan loans, on one page
Last updated: 21 October 2026
Loans on ClickMyLoan are given by our lending partner, F MEC International Financial Services Ltd, a non-deposit-taking NBFC registered with the Reserve Bank of India. All interest rates are yearly rates (per annum) charged on the reducing balance, so you pay interest only on the amount you still owe. Before you accept any loan, you get a Key Fact Statement (KFS) showing your exact rate, every fee, your EMI, the total cost of the loan and the Annual Percentage Rate (APR).
| Loan | Interest rate | Loan amount | Tenure | Processing fee |
|---|---|---|---|---|
| Personal Loan | 10.5% to 24% p.a. | ₹10,000 to ₹10 lakh | 6 to 60 months | Up to 5.1% + GST |
| Business Loan | 10.5% to 24% p.a. | ₹1 lakh to ₹50 lakh | 12 to 60 months | Up to 5.1% + GST |
| Travel Loan | 10.5% to 24% p.a. | ₹20,000 to ₹10 lakh | 6 to 36 months | Up to 5.1% + GST |
The rate you are offered depends on your credit score, income, existing loans, and the amount and tenure you choose. Read how your CIBIL score affects a loan.
These charges apply to all ClickMyLoan loans. GST is charged at 18% on fees and charges where stated. There are no charges other than the ones listed here and in your KFS.
| Fee Type | Charges |
|---|---|
| Foreclosure charges | Up to 4% of principal outstanding + GST |
| Part-prepayment charges | Up to 4% of principal prepaid + GST |
| EMI bounce charge | ₹500 or 4% of the overdue principal, whichever is lower |
| Penal charges (2 to 180 days) | 36% per annum on principal overdue |
| Credit Information Report fee | ₹50 + GST (only if you ask for it) |
| Stamp duty | As per actuals, based on the state of disbursal |
| Maintenance & procurement cost | May apply, based on the place of disbursal |
The examples below use the highest interest rate and processing fee in our range, so they show the most each loan could cost. Most borrowers pay less. Work out your own EMI with our EMI calculator.
| Interest rate | 24% per annum (reducing balance) |
| Monthly EMI | ₹4,728 |
| Processing fee (5.1%) + GST | ₹2,550 + ₹459 |
| Amount paid into your account | ₹46,991 |
| Total interest | ₹6,736 |
| Total cost of the loan (interest + fee + GST) | ₹9,745 |
| Annual Percentage Rate (APR) | 36.3% |
| Interest rate | 24% per annum (reducing balance) |
| Monthly EMI | ₹19,616 |
| Processing fee (5.1%) + GST | ₹25,500 + ₹4,590 |
| Amount paid into your account | ₹4,69,910 |
| Total interest | ₹2,06,176 |
| Total cost of the loan (interest + fee + GST) | ₹2,36,266 |
| Annual Percentage Rate (APR) | 28.7% |
| Interest rate | 24% per annum (reducing balance) |
| Monthly EMI | ₹9,456 |
| Processing fee (5.1%) + GST | ₹5,100 + ₹918 |
| Amount paid into your account | ₹93,982 |
| Total interest | ₹13,472 |
| Total cost of the loan (interest + fee + GST) | ₹19,490 |
| Annual Percentage Rate (APR) | 36.3% |
The interest rate is what you pay on the money you borrow. The APR (Annual Percentage Rate) also counts fees such as the processing fee, and is worked out on the money you actually receive. That is why the APR is always higher than the interest rate. Use the APR to compare loans from different lenders.
Before you sign, you get a Key Fact Statement (KFS) with your rate, APR, every fee, the EMI schedule and the total amount you will repay. After the loan is disbursed, you have a cooling-off (look-up) period, shown in your KFS, during which you can cancel the loan by repaying the principal and the proportionate APR, without any prepayment penalty. See our Cancellation & Refund Policy.
Questions or complaints about charges? Call 07971900085 or email help@clickmyloan.com. Read our Fair Practice Code for how we set rates and charges and how to escalate a complaint.
See loan details: Personal Loan · Business Loan · Travel Loan · FAQ
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