Fees & Charges
Complete and transparent breakdown of all fees associated with GammaMoney.
Last updated: January 1, 2026
GammaMoney believes in full transparency. All fees are disclosed upfront before any payment is required. There are no hidden charges on our platform.
1. Platform Fee (GammaMoney)
| Fee Type | Amount | When Charged |
|---|---|---|
| Platform Registration Fee | ₹100 | Once, before application processing begins |
| GST (18%) | ₹18 | Applied on the platform fee |
| Total Platform Fee | ₹118 | One-time, non-refundable |
What does this fee cover?
- ✓ Full KYC verification — PAN, Aadhaar & bank account authentication
- ✓ CIBIL credit score pull & bureau report analysis for accurate loan matching
- ✓ 6-month credit profile monitoring to track & strengthen your eligibility
- ✓ Secure document processing, fraud checks & account setup
- ✓ Matching with the most suitable lender from our trusted partner network
This fee is non-refundable and does not guarantee loan approval. Loan eligibility is determined solely by your credit profile and the lending partner's criteria.
2. Lender Charges (Indicative)
The following charges are set by individual lending partners and may vary. These are indicative ranges — exact charges will be shown in the loan offer document before you accept any loan.
| Charge | Indicative Range | Notes |
|---|---|---|
| Interest Rate | 12% – 36% per annum | Depends on credit profile & lender |
| Processing Fee | 1% – 3% of loan amount | One-time, deducted at disbursement |
| Late Payment Penalty | 2% – 3% per month on overdue | Applied on missed EMIs |
| Foreclosure Charges | 0% – 5% of outstanding amount | Varies by lender; some allow free foreclosure |
| Bounce Charges (ECS) | ₹300 – ₹500 per bounce | Charged when EMI payment fails |
| GST on Lender Charges | 18% | Applied on processing fee and other lender charges |
3. Free Services
The following services are provided at no charge on GammaMoney:
- Loan eligibility check and pre-qualification.
- Comparing multiple loan offers from different lenders.
- EMI calculator and loan planning tools.
- Customer support for queries before application.
4. Important Notes
- All charges from lending partners are governed by their individual loan agreements.
- GammaMoney has no control over lender fees — always read the loan agreement carefully.
- Never pay any fee to any individual or unofficial channel claiming to be GammaMoney.
- GammaMoney will never ask for upfront fees beyond the platform registration fee of ₹118.
Beware of fraud: GammaMoney never requests payment via UPI, wallet, or informal channels for loan approval. All official payments are processed securely through our platform only.
5. Contact
For any questions about fees or charges:
- Email: team@gammamoney.in
- Phone: +91 93060 62048