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<!DOCTYPE html><html lang="en" class="__variable_7f3cdd"><head><meta charSet="utf-8"/><link rel="preload" as="font" href="/_next/static/media/08f6869de032d726-s.p.woff2" crossorigin="" type="font/woff2"/><link rel="preload" as="font" href="/_next/static/media/562f9e66ce415c97-s.p.woff2" crossorigin="" type="font/woff2"/><link rel="preload" as="font" href="/_next/static/media/964da666ccb1de0d-s.p.woff2" crossorigin="" type="font/woff2"/><link rel="preload" as="font" href="/_next/static/media/e05068a1c6e286d3-s.p.woff2" crossorigin="" type="font/woff2"/><link rel="stylesheet" href="/_next/static/css/4441f79fa265f85e.css" data-precedence="next"/><title>Personal Loan Foreclosure charges: Process, Benefits of Closing Loan</title><meta name="description" content="Personal loan foreclosure is the process of repaying a personal loan before the its specific maturity date. Find out the latest foreclosure charges of a personal loan, learn its meaning and process with Fibe."/><meta name="viewport" content="width=device-width, initial-scale=1"/><meta name="robots" content="index, follow, max-video-preview:-1, max-image-preview:large, max-snippet:-1"/><meta name="facebook-domain-verification" content="x1jys55du9q7hw5ztn347vr7xluhyz"/><link rel="canonical" href="https://www.fibe.in/blogs/foreclosure-charges-for-personal-loan/"/><meta name="google-site-verification" content="qwvdfRxYy0linyRJVb3rflGBXPlSZSspxMpCEYIayEI"/><meta name="next-size-adjust"/><meta name="google-site-verification" content="qwvdfRxYy0linyRJVb3rflGBXPlSZSspxMpCEYIayEI"/><meta name="facebook-domain-verification" content="x1jys55du9q7hw5ztn347vr7xluhyz"/><script src="/_next/static/chunks/polyfills-c67a75d1b6f99dc8.js" noModule=""></script></head><body class="font-gilroy !bg-white min-h-screen select-none"><noscript><iframe title="google tag manager" 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2.234-3.283l.928.3c.211.067.439.067.65 0l.928-.3c2.005-.647 3.607 1.708 2.234 3.283L14.086 7Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M9 17c2.254 1.315 3.578 1.345 6 0"></path></svg></span> <span class="lg:font-medium">Personal Loan</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Avail of a Personal Loan at 0 preclosure charges</span></a></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 "><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Our Offerings</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" 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border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey " href="/loan-against-mutual-fund/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg width="24" height="25" viewBox="0 0 24 25" fill="none" xmlns="http://www.w3.org/2000/svg"><g clip-path="url(#clip0_17517_29912)"><path d="M19 2.87988H21C21.5523 2.87988 22 3.30969 22 3.83988V5.75988M21 3.83988C13.0585 9.97558 8.94211 11.6283 2 12.4799M18 10.5599V20.1599C18 21.2203 18.8954 22.0799 20 22.0799C21.1046 22.0799 22 21.2203 22 20.1599V10.5599C22 9.49949 21.1046 8.63988 20 8.63988C18.8954 8.63988 18 9.49949 18 10.5599ZM2 18.2399L2 20.1599C2 21.2203 2.89543 22.0799 4 22.0799C5.10457 22.0799 6 21.2203 6 20.1599L6 18.2399C6 17.1795 5.10457 16.3199 4 16.3199C2.89543 16.3199 2 17.1795 2 18.2399ZM9.99999 14.3999V20.1599C9.99999 21.2203 10.8954 22.0799 12 22.0799C13.1046 22.0799 14 21.2203 14 20.1599V14.3999C14 13.3395 13.1046 12.4799 12 12.4799C10.8954 12.4799 9.99999 13.3395 9.99999 14.3999Z" stroke="#333333" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M13.0001 2.1719C13.0001 2.2871 12.9512 2.39763 12.8644 2.47908C12.7776 2.56053 12.6598 2.60635 12.5371 2.60635H10.6852V3.02332C10.6851 3.40527 10.5507 3.77645 10.303 4.07953C10.0553 4.38263 9.70809 4.6008 9.31501 4.69999L11.7872 7.01968C11.7907 7.05444 11.7907 7.08934 11.7872 7.12396C11.7923 7.16439 11.7923 7.20512 11.7872 7.24555C11.7872 7.36074 11.7383 7.47128 11.6515 7.55273C11.5647 7.63418 11.4469 7.67999 11.3242 7.67999H11.1853C11.1284 7.66268 11.0751 7.63621 11.0278 7.60174L10.963 7.54095L7.24106 3.95286C7.17038 3.87199 7.13117 3.77091 7.12992 3.66619C7.12992 3.42636 7.33717 3.23175 7.59276 3.23175C7.70607 3.23233 7.81519 3.27262 7.89843 3.34476C7.90168 3.35901 7.90168 3.37385 7.89843 3.38825L8.25029 3.70968H8.25013C8.4118 3.83534 8.61424 3.90588 8.82428 3.90952C9.0698 3.90952 9.30541 3.81789 9.47901 3.655C9.65261 3.4921 9.75011 3.27115 9.75011 3.04064V2.60635H7.46318C7.20758 2.60635 7.00018 2.41174 7.00018 2.17191C7.00018 1.93207 7.20758 1.73747 7.46318 1.73747H9.7594V0.868734H7.46318C7.20758 0.868734 7.00018 0.674274 7.00018 0.434292C7.00018 0.194456 7.20758 0 7.46318 0H12.5372C12.7928 0 13.0002 0.19446 13.0002 0.434292C13.0002 0.674274 12.7928 0.868734 12.5372 0.868734H10.6854V1.73747H12.5372C12.6599 1.73747 12.7777 1.78328 12.8645 1.86473C12.9513 1.94618 13.0002 2.05672 13.0002 2.17191L13.0001 2.1719Z" fill="#F8A63F"></path></g><defs><clipPath id="clip0_17517_29912"><rect width="24" height="24.3137" fill="white" transform="translate(0 0.136719)"></rect></clipPath></defs></svg></span> <span class="lg:font-medium">Loan Against Mutual Funds</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Borrow using mutual fund holdings in minutes</span></a></li><li><p class="font-semibold text-base px-0 lg:px-3 py-1 lg:py-2"><a class="text-black" href="/credit-card/fibe-axis-bank-credit-card/">Credit Card</a></p></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/credit-card/fibe-axis-bank-credit-card/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg fill="none" height="24" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><g stroke-width="1.5"><path d="m2 7h20v4h-20z" stroke="#f8a63f" stroke-linejoin="round"></path><path d="m2 7c0-2.20914 1.79086-4 4-4h12c2.2091 0 4 1.79086 4 4v10c0 2.2091-1.7909 4-4 4h-12c-2.20914 0-4-1.7909-4-4z" stroke="#333" stroke-linejoin="round"></path><path d="m8 17h-2" stroke="#f8a63f" stroke-linecap="round"></path></g></svg></span> <span class="lg:font-medium">Fibe Axis Bank Credit Card</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Go numberless with Fibe Axis Bank Credit Card</span></a></li></ul></li><li class="lg:pl-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li><p class="font-semibold text-base px-0 lg:px-3 py-1 lg:py-2"><a class="text-black" href="/financial-wellness/">Financial Wellness</a></p></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/financial-wellness/salary-advance/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linejoin="round" stroke-width="1.5" d="M2 7a4 4 0 0 1 4-4h12a4 4 0 0 1 4 4v10a4 4 0 0 1-4 4H6a4 4 0 0 1-4-4V7Z"></path><path stroke="#F8A63F" stroke-linejoin="round" stroke-width="1.5" d="M22 9v6h-4a3 3 0 1 1 0-6h4Z"></path></svg></span> <span class="lg:font-medium">Salary Advance</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Easy financing for your employees instant cash needs</span></a></li><li><p class="font-semibold text-base px-0 lg:px-3 py-1 lg:py-2"><a class="text-black" href="/fibe-emis/">FibeEMIS-Buy Now Pay Later</a></p></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey " href="/fibe-emis/healthcare/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="25" fill="none"><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M12 11.143v6.079M15 14.182H9"></path><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M8 6.078V5.065c0-1.679 1.343-3.04 3-3.04h2c1.657 0 3 1.361 3 3.04v1.013M6 22.287h12c2.21 0 4-1.814 4-4.052V10.13c0-2.238-1.79-4.052-4-4.052H6c-2.21 0-4 1.814-4 4.052v8.105c0 2.238 1.79 4.052 4 4.052Z"></path></svg></span> <span class="lg:font-medium">Medical Loan</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Access the best of healthcare on EMIs</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/fibe-emis/education/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="22" height="21" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M10.317 3.632c-2.124-1.507-5.104-2.19-7.323-2.445C1.896 1.062 1 1.991 1 3.137v11.412c0 1.145.896 2.075 1.994 2.2 2.219.254 5.2.937 7.323 2.445.408.29.958.29 1.366 0 2.124-1.508 5.104-2.19 7.323-2.445 1.098-.125 1.994-1.055 1.994-2.2V3.136c0-1.146-.896-2.075-1.994-1.95-2.219.254-5.2.938-7.323 2.445-.408.29-.958.29-1.366 0Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M3.994 6.457c1.266.199 2.678.529 4 1.047m-4 3.005c.64.1 1.316.235 2 .41m5-5.679v12.664"></path></svg></span> <span class="lg:font-medium">Education Loan</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Fuel your aspirations with the latest upskilling courses on EMIs</span></a></li></ul></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 "><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Loan Calculators</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-[250px] lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out lg:grid lg:grid-cols-2 lg:w-[640px] lg:divide-x [&>li]:mb-1 [&>li:last-child]:mb-0 [&>li>ul>li>a]:text-sm "><li class="lg:pr-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink"><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/personal-loan-emi-calculator/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M8 6h8m4 12V6a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v12a4 4 0 0 0 4 4h8a4 4 0 0 0 4-4Z"></path><path fill="#F8A63F" d="M8.75 10a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM12.75 10a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM16.75 10a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM8.75 18a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM12.75 18a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0ZM16.75 18a.75.75 0 1 1-1.5 0 .75.75 0 0 1 1.5 0Z"></path></svg></span> <span class="lg:font-medium">Personal Loan EMI Calculator</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Get EMI amount, repayment tenure and interest rate beforehand</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/instant-cash-loan-emi-calculator/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="22" height="22" fill="none"><path stroke="#333" stroke-width="1.5" d="M17 1H5a4 4 0 0 0-4 4v12a4 4 0 0 0 4 4h12a4 4 0 0 0 4-4V5a4 4 0 0 0-4-4Z"></path><path stroke="#F8A63F" stroke-width="1.5" d="M15 9a2 2 0 0 0-2 2v2a2 2 0 1 0 4 0v-2a2 2 0 0 0-2-2ZM7 5a2 2 0 0 0-2 2v6a2 2 0 1 0 4 0V7a2 2 0 0 0-2-2Z"></path></svg></span> <span class="lg:font-medium">Instant Loan EMI Calculator</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Know EMI loan amount in seconds to plan your finances better</span></a></li></ul></li><li class="lg:pl-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/personal-loan-eligibility-calculator/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-width="1.5" d="M22 10v8a4 4 0 0 1-4 4H6a4 4 0 0 1-4-4V6a4 4 0 0 1 4-4h8"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M5 12h1a2 2 0 0 0 2-2V9a2 2 0 1 1 4 0v6a2 2 0 1 0 4 0v-1a2 2 0 0 1 2-2h1m3-7.5a2.5 2.5 0 1 1-5 0 2.5 2.5 0 0 1 5 0Z"></path></svg></span> <span class="lg:font-medium">Eligibility Calculator</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Easy-to-use calculator to know your loan eligibility in seconds</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/check-credit-score/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M20 8a2 2 0 0 1 2 2v10a2 2 0 1 1-4 0V10a2 2 0 0 1 2-2ZM4 16a2 2 0 0 1 2 2v2a2 2 0 1 1-4 0v-2a2 2 0 0 1 2-2ZM12 12a2 2 0 0 1 2 2v6a2 2 0 1 1-4 0v-6a2 2 0 0 1 2-2Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M19 2h2a1 1 0 0 1 1 1v2m-1-2c-7.941 6.391-12.058 8.113-19 9"></path></svg></span> <span class="lg:font-medium">Check Credit Score</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Get your credit score for free before applying for a loan</span></a></li></ul></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 active"><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Learn</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-10 lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out [&>li]:mb-1 [&>li:last-child]:mb-0 [&>li>a]:text-sm "><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey " href="/blogs/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-width="1.5" d="M16 4h1a4 4 0 0 1 4 4v10a4 4 0 0 1-4 4H7a4 4 0 0 1-4-4V8a4 4 0 0 1 4-4h1m8 0a2 2 0 0 1-2 2h-4a2 2 0 0 1-2-2m8 0a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M8 10h8m-8 4h8m-8 4h4"></path></svg></span> <span class="lg:font-medium">Blogs</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Read about all things finance and insightful tips to be financially healthy</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey " href="/financial-dictionary/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-width="1.5" d="M20 16H7a3 3 0 0 0-3 3m0 0a3 3 0 0 0 3 3h10a3 3 0 0 0 3-3V5a3 3 0 0 0-3-3H7a3 3 0 0 0-3 3v14Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M8 7h8m-8 4h4"></path></svg></span> <span class="lg:font-medium">Financial Dictionary</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Get all financial terms, formulas, concepts or theories that you are searching for</span></a></li></ul></li><li class="flex flex-col lg:flex-row relative group/l1 p-3 lg:p-0 "><div class="flex mb:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">About Us</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-[250px] lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out lg:grid lg:grid-cols-2 lg:w-[640px] lg:divide-x [&>li]:mb-1 [&>li:last-child]:mb-0 [&>li>ul>li>a]:text-sm "><li class="lg:pr-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/about-us/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-width="1.5" d="M13 3h-2a9 9 0 0 0-9 9v5a4 4 0 0 0 4 4h7a9 9 0 1 0 0-18Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-width="1.5" d="M8 10h8m-8 4h4"></path></svg></span> <span class="lg:font-medium">About Fibe</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Fibe is India’s largest lending platform that offers instant credit solutions</span></a></li><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white 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text-cement-grey">Explore jobs at Fibe that best suits your passion and dreams</span></a></li></ul></li><li class="lg:pl-2"><ul class="[&>li]:mb-1 [&>li:last-child]:mb-0"><li class="mr-0 group/sublink "><a class="grid grid-cols-1 min-w-[280px] px-2 lg:px-2 py-2 hover:bg-latte rounded-xl border border-white hover:border-light-grey group/edit group-[.active]/sublink:bg-latte group-[.active]/sublink:border-light-grey" href="/news/"><span class="flex items-center [&>*]:mr-2 last:mr-0"><span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none"><path stroke="#333" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M2 6v12a4 4 0 0 0 4 4h12a4 4 0 0 0 4-4V6a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4Z"></path><path stroke="#F8A63F" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="M7 12h10M9 7h6M9 17h6"></path></svg></span> <span class="lg:font-medium">News</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg 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stroke-width="1.5" d="M2 15h6m-6 3h6"></path></svg></span> <span class="lg:font-medium">Contact Us</span> <span class="group-hover/edit:pl-1 group-[.active]/sublink:pl-1 transition-all"><svg xmlns="http://www.w3.org/2000/svg" width="14" height="10" fill="none" stroke="#333"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="1.5" d="m9 9 4-4m0 0L9 1m4 4H1"></path></svg></span></span><span class="hidden lg:block ml-8 text-xs text-cement-grey">Reach us via different channels for your concerns and get instant help</span></a></li></ul></li></ul></li><li class="flex-col lg:flex-row relative group/l1 p-3 lg:p-0 hidden lg:flex"><div class="flex lg:2 lg:mb-0 items-center"><a class="mr-1 group-[.active]/l1:text-primary font-semibold text-base lg:text-lg lg:py-4" href="#">Download Fibe</a><svg xmlns="http://www.w3.org/2000/svg" width="12" height="6" fill="none" class="stroke-plain-grey mt-1 group-[.active]/l1:stroke-primary"><path d="m1 1 5 4 5-4"></path></svg></div><ul class="relative lg:absolute bg-white top-0 lg:top-full left:0 lg:-left-10 lg:transform lg:scale-0 group-hover/l1:lg:scale-100 transition-[max-height] lg:transition duration-300 lg:duration-150 ease-out lg:ease-in-out lg:origin-top lg:shadow-lg z-50 px-2 lg:py-2 lg:rounded-xl max-h-0 overflow-hidden group-hover/l1:max-h-[500px] group-hover/l1:lg:max-h-[auto] group-hover/l1:duration-400 group-hover/l1:lg:duration-150 group-hover/l1:ease-in group-hover/l1:lg:ease-in-out "><li class="mr-0 "><div class="flex flex-col items-start w-[250px]"><div class="hidden lg:block font-semibold text-base mt-2 ml-2">Scan QR to get the Fibe app</div><img alt="Fibe" loading="lazy" width="120" height="120" decoding="async" data-nimg="1" class="mb-2 hidden lg:block max-w-[120px]" style="color:transparent" srcSet="/_next/image/?url=%2Fappsflyer.png&w=128&q=75 1x, /_next/image/?url=%2Fappsflyer.png&w=256&q=75 2x" src="/_next/image/?url=%2Fappsflyer.png&w=256&q=75"/><div class="ml-4 flex flex-wrap flex-col 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The prepayment charges apply if you decide to repay your loan amount in a single payment before the end of the tenure. Usually, personal loan foreclosure charges vary between 2% and 6% of the outstanding loan amount. </p> <p>Certain lenders do not levy any foreclosure charges on personal loans. You can <a href="https://personal-loan.fibe.in/">apply personal loan</a> with no foreclosure charges to save on interest costs. To know more about how these charges apply, read on. </p> <h2 class="wp-block-heading">What is the Personal Loan Foreclosure Process?</h2> <p>Initiating the prepayment procedure and calculating applicable charges can be confusing. If you’re planning to close your personal loan early, you can follow these steps:</p> <ul class="wp-block-list"> <li>Check your loan agreement to view any applicable foreclosure charges on your personal loan</li> <li>Talk to the lender about foreclosing the loan and submit the necessary forms</li> <li>Submit the required documents, such as the original agreement and ID and income proof</li> <li>Pay the outstanding loan amount along with penalties, if any</li> <li>Ensure you get the loan closure certificate from the lender once you complete the process</li> </ul> <h2 class="wp-block-heading">Benefits of Closing Your Personal Loan Early</h2> <p>Settling your credit before the tenure can offer significant advantages. Here are a few to consider.</p> <ul class="wp-block-list"> <li><strong>Save on Interest</strong></li> </ul> <p>Enjoy reduced interest payments, especially on loans with high rates, that you would otherwise have paid during the repayment duration. </p> <ul class="wp-block-list"> <li><strong>Improve Your Credit Score</strong></li> </ul> <p>It helps <a href="https://www.fibe.in/blogs/how-instant-loans-can-boost-your-credit-score/">boost your credit score</a> by reducing your overall debt and improving your debt-to-income ratio, making it easier for you to qualify for loans in the future.</p> <ul class="wp-block-list"> <li><strong>Reduce Financial Burden</strong></li> </ul> <p>Paying a loan early can ease the stress of making regular payments for your personal loan EMIs.</p> <p>Proceed with the prepayment process once you know the personal loan foreclosure charges, penalties and other requirements. This way, you can make an informed decision about whether or not to pay off your loan ahead of schedule.</p> <p>At Fibe, you can get an <a href="https://www.fibe.in/instant-cash-loan/">Instant Cash Loan</a> without foreclosure charges within a few minutes. Simply download our <a href="https://play.google.com/store/apps/details?id=com.earlysalary.android&hl=en_IN&gl=IN">Personal Loan App</a> and get funds of up to ₹5 lakhs with minimal documentation.</p> <h2 class="wp-block-heading">FAQs on Foreclosure Charges for a Personal Loan</h2> <h3 class="wp-block-heading">Is it reasonable to foreclose a personal loan?</h3> <p>It is generally advisable to prepay your credit, but you need to consider the following things:</p> <ul class="wp-block-list"> <li>Many lenders levy personal loan foreclosure charges, so consider these costs before prepaying to make a cost-effective decision </li> <li>It helps improve your credit score and reduce your financial burden</li> </ul> <h3 class="wp-block-heading">How are foreclosure charges calculated?</h3> <p>The prepayment fees are typically a percentage of the outstanding loan amount or a flat fee, depending on the lender’s policy. The exact calculation method may vary from one lender to another.</p> <h3 class="wp-block-heading">What is the best way to close a personal loan?</h3> <p>Here is the ideal procedure to pay off your credit before the end of the tenure-</p> <ul class="wp-block-list"> <li>Check if there are any prepayment penalties or foreclosure charges </li> <li>If there are none, you can pay off the loan to save on interest charges and improve your credit score</li> </ul> <h3 class="wp-block-heading">What does the RBI say about foreclosure charges?</h3> <p>The following are the guidelines laid out by the Reserve Bank of India on prepayment charges-</p> <ul class="wp-block-list"> <li>Lenders cannot charge prepayment penalties on floating-rate loans </li> <li>They can levy foreclosure charges on fixed-rate loans </li> <li>The exact rules and regulations can vary depending on the type of loan and lender</li> </ul> <h3 class="wp-block-heading">What is the purpose of foreclosure?</h3> <p>The prepayment of personal loans serves the following purposes-</p> <ul class="wp-block-list"> <li>Allows you to pay off the entire debt early </li> <li>Helps you save money on interest charges</li> <li>Enables you to improve your credit score</li> </ul> <h3 class="wp-block-heading">Are there any foreclosure charges for personal loans?</h3> <p>Yes, most financial institutions charge foreclosure fees for personal loans. At Fibe, there are zero charges if you foreclose your loan.</p> <h3 class="wp-block-heading">What are loan foreclosure fees?</h3> <p>Here is a brief overview of the prepayment charges-</p> <ul class="wp-block-list"> <li>You may have to pay these charges if you decide to pay off the loan before its repayment duration</li> <li>These help lenders cover the interest that they will not get due to the early repayment of the loan</li> <li>It typically ranges between 2% and 6% of the outstanding loan amount</li> </ul> <h3 class="wp-block-heading">How to avoid foreclosure charges on personal loans?</h3> <p>You can evade this fee by choosing a lender like Fibe that does not levy a foreclosure charge. </p> <h3 class="wp-block-heading">Can I get a personal loan without any foreclosure charges?</h3> <p>Yes, you can get a personal loan without any prepayment fees on Fibe.</p> <h3 class="wp-block-heading">Is it profitable to foreclose a personal loan?</h3> <p>Follow this strategy to know whether foreclosing a credit will be reasonable-</p> <ul class="wp-block-list"> <li>You can pay off your loan early if your lender does not charge any fee for the same</li> <li>If any fee is applicable, compare the cost of prepayment with the overall interest charges you would have paid during the repayment duration</li> </ul> <h3 class="wp-block-heading">What is the penalty for the pre-closure of a personal loan?</h3> <p>The penalty for foreclosure of a personal loan generally ranges between 2% and 6% of the outstanding loan amount.</p> <h3 class="wp-block-heading">What is the RBI policy on foreclosure charges?</h3> <p>According to the RBI guidelines, you do not need to pay foreclosure charges on personal loans with floating interest rates. However, you need to pay foreclosure charges on personal loans with fixed interest rates. These charges depend on the specific rules and regulations of lenders.</p> <h3 class="wp-block-heading">Can banks levy foreclosure charges on personal loans?</h3> <p>Yes, banks can and often do, levy foreclosure charges on personal loans, which are typically between 3% and 6% of the outstanding loan amount.</p> </div><div class="my-4"><ul class="divide-x divide-transparent lg:divide-slate-400 flex flex-wrap justify-start lg:justify-start [&>li]:px-3 [&>li]:mb-2 [&>li:first-child]:pl-0 text-base lg:text-xl"><li><a class="text-primary hover:text-primary-dark" href="/blogs/personal-loan/">Personal Loan</a></li><li>10 May 2023</li></ul></div></div><div class="lg:order-1 mb-4 lg:mr-2 relative"><span class="group bg-transparent border-2 border-slate-200 hover:border-midnight-black px-4 py-1 lg:py-2 md:text-base lg:text-xl font-semibold rounded-lg transition-colors duration-150 focus:shadow-outline mb-4 hover:bg-midnight-black hover:text-white text-midnight-black inline-flex" 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justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/fixed-deposit/">Fixed Deposit</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/home-improvement-loan/">Home Improvement Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/instant-cash/">Instant Cash</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/instant-cash-loan/">Instant Cash Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/insurance/">Insurance</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/investment/">Investment</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/loan-management-tips/">Loan Management Tips</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/medical-loan/">Medical Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/pan-card/">PAN Card</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/personal-loan/">Personal Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/salary/">Salary</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/secured-loan/">Secured Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/tax/">Tax</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/travel-loan/">Travel Loan</a><a class="cursor-pointer px-4 lg:px-6 py-2 lg:py-4 text-base flex items-center justify-center truncate select-none font-normal rounded-full border border-light-grey bg-white hover:bg-primary text-plain-grey hover:text-white peer-checked/et0:bg-primary peer-checked/et0:text-white shadow-[0px_4px_4px_0px_rgba(0,0,0,0.05)] " href="/blogs/upskill-loan/">Upskill Loan</a></div></section></div><section class="py-4 mb-8"><div class="text-center"><div class="mb-2 font-semibold text-midnight-black text-lg lg:text-xl text-center lg:text-start">Recent blogs</div></div><div class="grid grid-cols-1 gap-4 container mx-auto mt-8"><a class=" lg:col-span-1 border rounded-xl px-4 py-8 bg-white hover:border-primary" href="/blogs/what-is-sweep-in-fixed-deposits/"><div class="flex flex-col lg:flex-row h-full relative"><div class="lg:ml-5"><div class="font-semibold 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viewBox="0 0 320 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z"></path></svg></div><div class="px-3 mb-2 block"><div class="grid gap-0 lg:gap-2 grid-cols-1 lg:grid-cols-2 xl:flex divide-y xl:divide-x lg:divide-y-0 divide-[#424242] first:pt-3 [&>*]lg:py-6 [&>*]:xl:pl-14 [&>*]:xl:pr-6 [&>div>ul>li>a]:text-lighter-grey [&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 xl:flex-grow xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="fair code practices" href="/fair-code-practices/">Fair Practice Codes</a></li><li><a class="hover:text-primary" title="terms conditions" href="/terms-conditions/">Terms And Conditions</a></li><li><a class="hover:text-primary" title="Amazon pay giftcard T&C" href="/amazon-pay-gift-card-tnc/">Amazon pay giftcard T&C</a></li><li><a class="hover:text-primary" title="Promotional T&Cs for HRMS Tie-ups" href="/promotions-tnc/">Promotional T&Cs for HRMS Tie-ups</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Refer & Earn T&C" href="/refer-n-earn-tnc/">Refer & Earn T&C</a></li><li><a class="hover:text-primary" title="Privacy Policy" href="/privacy-policy/">Privacy Policy</a></li><li><a class="hover:text-primary" title="Disclaimer" href="/disclaimer/">Disclaimer</a></li><li><a class="hover:text-primary" title="disclosure" href="/disclosure/">Disclosure</a></li><li><a class="hover:text-primary" title="regulatory disclosures" href="/regulatory-disclosures/">Regulatory Disclosures</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="vigil mechanism policy" href="/vigil-mechanism-policy/">Vigil Mechanism Policy</a></li><li class="first:mt-0"><a class="hover:text-primary" title="moratorium policy" href="/moratorium-policy/">Moratorium Policy</a></li><li class="first:mt-0"><a class="hover:text-primary" title="moratorium-terms" href="/moratorium-terms/">Moratorium Terms</a></li><li class="first:mt-0"><a class="hover:text-primary" title="face code conduct" href="/face-code-conduct/">FACE - Code of Conduct</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Grievance Redressal Policy" href="/grievance-redressal/">Grievance Redressal Policy</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Our Lending Partners" href="/our-lending-partners/">Our Lending Partners</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Our Sourcing Partners" href="/our-sourcing-partners/">Our Sourcing Partners</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Our Collection Agencies" href="/our-collection-agencies/">Our Collection Agencies</a></li></ul></div></div></div></section><section class="bg-mid-grey text-white py-2 lg:py-4 px-2 rounded-lg"><div class="inline-flex items-center h-10 px-3 text-white"><span class="mr-2 font-semibold text-lg capitalize">Resources</span><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 320 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z"></path></svg></div><div class="px-3 mb-2 block"><div class="grid gap-0 lg:gap-2 grid-cols-1 lg:grid-cols-2 xl:flex divide-y xl:divide-x lg:divide-y-0 divide-[#424242] first:pt-3 [&>*]lg:py-6 [&>*]:xl:pl-14 [&>*]:xl:pr-6 [&>div>ul>li>a]:text-lighter-grey [&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 xl:flex-grow xl:w-1/4"><div class="font-semibold mb-5 capitalize">Calculators</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="fair code practices" href="/personal-loan-emi-calculator/">Personal Loan EMI Calculator</a></li><li><a class="hover:text-primary" title="terms conditions" href="/instant-cash-loan-emi-calculator/">Instant Loan EMI Calculator</a></li><li><a class="hover:text-primary" title="Amazon pay giftcard T&C" href="/personal-loan-eligibility-calculator/">Eligibility Calculator</a></li><li><a class="hover:text-primary" title="Promotional T&Cs for HRMS Tie-ups" href="/check-credit-score/">Check Credit Score</a></li><li><a class="hover:text-primary" title="Personal Loan Interest Rate" href="/personal-loan/personal-loan-interest-rate/">Personal Loan Interest Rate</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Personal Loan Eligibility</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Instant Loan Eligibility Criteria" href="/instant-cash-loan/eligibility-criteria/">Instant Loan Eligibility Criteria</a></li><li><a class="hover:text-primary" title="Personal Loan Eligibility Criteria" href="/personal-loan/eligibility-criteria/">Personal Loan Eligibility Criteria</a></li><li><a class="hover:text-primary" title="Document Required for Instant Loan" href="/instant-cash-loan/documents-required/">Document Required for Instant Loan</a></li><li><a class="hover:text-primary" title="Document Required for Personal Loan" href="/personal-loan/documents-required/">Document Required for Personal Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Personal Loan by Salary</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="20,000 Salary Loan" href="/personal-loan/20000-salary-loan/">20,000 Salary Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="30,000 Salary Loan" href="/personal-loan/30000-salary-loan/">30,000 Salary Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="40,000 Salary Loan" href="/personal-loan/40000-salary-loan/">40,000 Salary Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="50,000 Salary Loan" href="/personal-loan/50000-salary-loan/">50,000 Salary Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Credit Card</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Free credit card" href="/credit-card/free-credit-card/">Free credit card</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Cashback Credit card" href="/credit-card/cashback-credit-card/">Cashback Credit card</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Card Eligibilty Criteria" href="/credit-card/credit-card-eligibility-criteria/">Card Eligibilty Criteria</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Document Required for Credit card" href="/credit-card/document-required-for-credit-card/">Document Required for Credit card</a></li></ul></div></div><div class="mt-6"></div><div class="grid gap-0 lg:gap-2 grid-cols-1 lg:grid-cols-2 xl:flex divide-y xl:divide-x lg:divide-y-0 divide-[#424242] first:pt-3 [&>*]lg:py-6 [&>*]:xl:pl-14 [&>*]:xl:pr-6 [&>div>ul>li>a]:text-lighter-grey [&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 xl:flex-grow xl:w-1/4"><div class="font-semibold mb-5 capitalize">Types of Loan</div><ul role="list" class="[&>*]:mb-3"><li><a class="hover:text-primary" title="Loan for Salaried Professional" href="/personal-loan/salaried-professional/">Loan for Salaried Professional</a></li><li><a class="hover:text-primary" title="Travel Loan" href="/personal-loan/travel-loan/">Travel Loan</a></li><li><a class="hover:text-primary" title="Digital Loan" href="/personal-loan/digital-loan/">Digital Loan</a></li><li><a class="hover:text-primary" title="Short Term Loan" href="/personal-loan/short-term-loan/">Short Term Loan</a></li><li><a class="hover:text-primary" title="Long Term Loan" href="/personal-loan/long-term-loan/">Long Term Loan</a></li><li><a class="hover:text-primary" title="Wedding Loan" href="/personal-loan/wedding-loan/">Wedding Loan</a></li><li><a class="hover:text-primary" title="Medical Loan" href="/personal-loan/medical-emergency-loan/">Medical Loan</a></li><li><a class="hover:text-primary" title="Secured Loan" href="/secured-loan/">Secured Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Personal loan by Amount</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="50000 Personal Loan" href="/personal-loan/50000-personal-loan/">50000 Loan</a></li><li><a class="hover:text-primary" title="60000 Personal Loan" href="/personal-loan/60000-personal-loan/">60000 Loan</a></li><li><a class="hover:text-primary" title="70000 Personal Loan" href="/personal-loan/70000-personal-loan/">70000 Loan</a></li><li><a class="hover:text-primary" title="80000 Personal Loan" href="/personal-loan/80000-personal-loan/">80000 Loan</a></li><li><a class="hover:text-primary" title="90000 Personal Loan" href="/personal-loan/90000-personal-loan/">90000 Loan</a></li><li><a class="hover:text-primary" title="1 Lakh Personal Loan" href="/personal-loan/1-lakh-personal-loan/">1 Lakh Loan</a></li><li><a class="hover:text-primary" title="2 Lakh Personal Loan" href="/personal-loan/2-lakh-personal-loan/">2 Lakh Loan</a></li><li><a class="hover:text-primary" title="3 Lakh Personal Loan" href="/personal-loan/3-lakh-personal-loan/">3 Lakh Loan</a></li><li><a class="hover:text-primary" title="4 Lakh Personal Loan" href="/personal-loan/4-lakh-personal-loan/">4 Lakh Loan</a></li><li><a class="hover:text-primary" title="5 Lakh Personal Loan" href="/personal-loan/5-lakh-personal-loan/">5 Lakh Loan</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Blogs</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Foreclosure Charges for Personal Loan" href="/blogs/foreclosure-charges-for-personal-loan/">Foreclosure Charges for Personal Loan</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Check Personal Loan Statement" href="/blogs/check-your-personal-loan-statement-loan-details-in-6-easy-steps/">Check Personal Loan Statement</a></li><li class="first:mt-0"><a class="hover:text-primary" title="What is Loan Account Number?" href="/blogs/loan-account-number-why-it-is-important-and-how-to-find-it/">What is Loan Account Number?</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Check Loan Status Using Pan Card" href="/blogs/how-to-check-loan-status-using-pan-card/">Check Loan Status Using Pan Card</a></li><li class="first:mt-0"><a class="hover:text-primary" title="How to Make Advance EMI Payment?" href="/blogs/how-to-make-advance-emi-payment-online/">How to Make Advance EMI Payment?</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Check Bank Statement Online" href="/blogs/how-to-get-a-bank-statement-without-net-banking-credentials/">Check Bank Statement Online</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Bonus Calculation on Salary" href="/blogs/how-to-calculate-bonus-on-salary-and-why-it-is-important/">Bonus Calculation on Salary</a></li></ul></div><div class="first:pl-0 xl:flex-grow pt-3 xl:pt-0 xl:w-1/4"><div class="font-semibold mb-5 capitalize">Financial Dictionary</div><ul role="list" class="[&>*]:mb-3"><li class="first:mt-0"><a class="hover:text-primary" title="Interest Rate" href="/financial-dictionary/interest-rate/">Interest Rate</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Penal Interest" href="/financial-dictionary/penal-interest/">Penal Interest</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Credit Line vs Credit Limit" href="/financial-dictionary/credit-line-vs-credit-limit/">Credit Line vs Credit Limit</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Grace Period" href="/financial-dictionary/grace-period/">Grace Period</a></li><li class="first:mt-0"><a class="hover:text-primary" title="NACH" href="/financial-dictionary/nach/">NACH</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Late Fee" href="/financial-dictionary/late-fee/">Late Fee</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Pre Payment" href="/financial-dictionary/prepayment/">Pre Payment</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Amount Due" href="/financial-dictionary/amount-due/">Amount Due</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Disbursement" href="/financial-dictionary/disbursement/">Disbursement</a></li><li class="first:mt-0"><a class="hover:text-primary" title="Pay Off" href="/financial-dictionary/pay-off-meaning/">Pay Off</a></li></ul></div></div></div></section><section class="bg-mid-grey text-white py-2 lg:py-4 px-2 rounded-lg"><div class="inline-flex items-center h-10 px-3 text-white"><span class="mr-2 font-semibold text-lg capitalize">Fibe certifications</span><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 320 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z"></path></svg></div><div class="px-3 mb-2 block"><div class="[&>div>ul>li>a:hover]:text-white"><div class="first:pl-0 flex flex-wrap gap-4 flex-col sm:flex-row pt-3 mb-4"><div><p class="text-sm font-medium mb-2">Security Partner</p><div><img alt="DSS certification" loading="lazy" width="129" height="56" decoding="async" data-nimg="1" style="color:transparent" src="/footer/dss-certification.svg"/></div></div><div class=""><p class="text-sm font-medium mb-2">ISO 27001 Certified</p><img alt="DSS certification" loading="lazy" width="129" height="56" decoding="async" data-nimg="1" style="color:transparent" src="/footer/iso-certification.svg"/></div><div class=""><p class="text-sm font-medium mb-2">SOC 2 Certified</p><img alt="DSS certification" loading="lazy" width="112" height="56" decoding="async" data-nimg="1" style="color:transparent" src="/footer/soc2-certification.svg"/></div><div class=""><p class="text-sm font-medium mb-2">Member</p><div><img alt="DSS certification" loading="lazy" width="177" height="56" decoding="async" data-nimg="1" style="color:transparent" src="/footer/face-certification.svg"/></div></div></div></div></div></section><section class="bg-mid-grey text-white py-4 lg:py-6 px-4 rounded-lg"><p class="text-xs font-medium text-center lg:text-lg">FIBE is a registered trademark owned by Social Worth Technologies Private Limited and has licensed the same to Earlysalary Services Private Limited (Formerly known as Ashish Securities Private Limited), a wholly-owned subsidiary.</p></section></div><section class="bg-midnight-black text-white py-1 lg:py-2 flex flex-col lg:flex-row justify-center items-center relaive"><div class=" lg:space-x-3 [&>*]:my-1 my-2"><div class="flex items-center lg:flex-row flex-col"><div class="textlg lg:text-xl pr-4">Need cash? 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Charges for a Personal Loan\\\",\\\"description\\\":\\\"Personal loan foreclosure is the process of repaying a personal loan before the its specific maturity date. Find out the latest foreclosure charges of a personal loan, learn its meaning and process with Fibe.\\\",\\\"image\\\":\\\"https://www.fibe.in/_next/image/?url=https%3A%2F%2Faltcont.fibe.in%2Fwp-content%2Fuploads%2F2023%2F05%2FPersonal-Loan-foreclosure-charges.png\u0026w=3840\u0026q=75\\\",\\\"author\\\":{\\\"@type\\\":\\\"Person\\\",\\\"name\\\":\\\"Fibe Research Team\\\",\\\"url\\\":\\\"/author/\\\"},\\\"publisher\\\":{\\\"@type\\\":\\\"Organization\\\",\\\"name\\\":\\\"Fibe\\\",\\\"logo\\\":{\\\"@type\\\":\\\"ImageObject\\\",\\\"url\\\":\\\"https://www.fibe.in/fibe-india.svg\\\"}},\\\"dateModified\\\":\\\"2024-11-14\\\"}\"}}],null,[\"$\",\"section\",null,{\"className\":\"w-full px-6 lg:px-8 flex\",\"children\":[\"$\",\"div\",null,{\"className\":\"w-full mt-10 lg:mt-16 pt-16 lg:pt-20 container\",\"children\":[[\"$\",\"div\",null,{\"className\":\"py-4 mb-2 flex flex-wrap justify-between items-center text-center lg:text-left\",\"children\":[\"$\",\"ul\",null,{\"className\":\"flex flex-wrap justify-center justify-center items-center mx-auto lg:mx-0 [\u0026\u003eli]:mb-2\",\"children\":[[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"$Lb\",null,{\"href\":\"https://www.fibe.in/\",\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal\",\"children\":\"Home\"}]}],[\"$\",\"li\",null,{\"className\":\"inline-flex items-center font-semibold\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"/icons/breadcrumb-arrow.svg\",\"alt\":\"Fibe personal loan and instant cash loan app\",\"className\":\"mx-auto lg:mx-0\",\"width\":6,\"height\":6}]}]],[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"$Lb\",null,{\"href\":\"https://www.fibe.in/blogs/\",\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal\",\"children\":\"Blogs\"}]}],[\"$\",\"li\",null,{\"className\":\"inline-flex items-center font-semibold\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"/icons/breadcrumb-arrow.svg\",\"alt\":\"Fibe personal loan and instant cash loan app\",\"className\":\"mx-auto lg:mx-0\",\"width\":6,\"height\":6}]}]],[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"$Lb\",null,{\"href\":\"https://www.fibe.in/blogs/personal-loan/\",\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl px-2 text-sub-grey hover:text-primary font-normal\",\"children\":\"Personal Loan\"}]}],[\"$\",\"li\",null,{\"className\":\"inline-flex items-center font-semibold\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"/icons/breadcrumb-arrow.svg\",\"alt\":\"Fibe personal loan and instant cash loan app\",\"className\":\"mx-auto lg:mx-0\",\"width\":6,\"height\":6}]}]],[[\"$\",\"li\",null,{\"className\":\"inline-flex items-center\",\"children\":[\"$\",\"div\",null,{\"className\":\"text-sm md:text-base lg:text-lg xl:text-xl xl:text-lg px-2 text-primary font-medium\",\"children\":\"Foreclosure Charges For Personal Loan\"}]}],\"\"]]}]}],[\"$\",\"h1\",null,{\"className\":\"text-3xl lg:text-5xl text-center lg:text-start font-bold text-midnight-black mb-4 lg:mb-8\",\"children\":\"Foreclosure Charges for a Personal Loan\"}],[\"$\",\"p\",null,{\"className\":\"flex justify-center lg:justify-start text-base lg:text-xl\",\"children\":[\"Reviewed by:\",[\"$\",\"$Lb\",null,{\"href\":\"/author/\",\"className\":\"text-[#079f9f] cursor-pointer\",\"children\":[\" \",\"Fibe Research Team\"]}]]}],[\"$\",\"div\",null,{\"className\":\"my-4\",\"children\":[\"$\",\"ul\",null,{\"className\":\"divide-x divide-transparent lg:divide-slate-400 flex flex-wrap justify-center lg:justify-start [\u0026\u003eli]:px-3 [\u0026\u003eli]:mb-2 [\u0026\u003eli:first-child]:pl-0 text-base lg:text-xl\",\"children\":[[\"$\",\"li\",null,{\"children\":[\"Updated on: \",\"14 Nov 2024\"]}],[\"$\",\"li\",null,{\"children\":[\"Published on: \",\"10 May 2023\"]}],null]}]}]]}]}],[\"$\",\"section\",null,{\"className\":\"w-full px-6 lg:px-8\",\"children\":[\"$\",\"div\",null,{\"className\":\"w-full py-2 container relative lg:flex\",\"children\":[[\"$\",\"div\",null,{\"className\":\"lg:w-2/3 mt-20 lg:mt-0 flex flex-col\",\"children\":[[\"$\",\"div\",null,{\"className\":\"mb-4 lg:mb-8 lg:mr-12\",\"children\":[\"$\",\"div\",null,{\"className\":\"my-1\",\"children\":[\"$\",\"$L12\",null,{\"src\":\"https://altcont.fibe.in/wp-content/uploads/2023/05/Personal-Loan-foreclosure-charges.png\",\"width\":1320,\"height\":400,\"className\":\"w-full mb-2\",\"alt\":\"Foreclosure Charges for a Personal Loan\",\"priority\":true}]}]}],[\"$\",\"div\",null,{\"className\":\"lg:order-2 mb-4 lg:mb-8 lg:mr-12\",\"children\":[[\"$\",\"div\",null,{\"className\":\"content-area blogDetailInner\",\"dangerouslySetInnerHTML\":{\"__html\":\"\\n\u003cp\u003eThe RBI guidelines on foreclosure charges on personal loans prohibit lenders from levying this charge on credit with floating rates. The prepayment charges apply if you decide to repay your loan amount in a single payment before the end of the tenure. Usually, personal loan foreclosure charges vary between 2% and 6% of the outstanding loan amount.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cp\u003eCertain lenders do not levy any foreclosure charges on personal loans. You can \u003ca href=\\\"https://personal-loan.fibe.in/\\\"\u003eapply personal loan\u003c/a\u003e with no foreclosure charges to save on interest costs. To know more about how these charges apply, read on. \u003c/p\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eWhat is the Personal Loan Foreclosure Process?\u003c/h2\u003e\\n\\n\\n\\n\u003cp\u003eInitiating the prepayment procedure and calculating applicable charges can be confusing. If you’re planning to close your personal loan early, you can follow these steps:\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eCheck your loan agreement to view any applicable foreclosure charges on your personal loan\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eTalk to the lender about foreclosing the loan and submit the necessary forms\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eSubmit the required documents, such as the original agreement and ID and income proof\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003ePay the outstanding loan amount along with penalties, if any\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eEnsure you get the loan closure certificate from the lender once you complete the process\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eBenefits of Closing Your Personal Loan Early\u003c/h2\u003e\\n\\n\\n\\n\u003cp\u003eSettling your credit before the tenure can offer significant advantages. Here are a few to consider.\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eSave on Interest\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eEnjoy reduced interest payments, especially on loans with high rates, that you would otherwise have paid during the repayment duration.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eImprove Your Credit Score\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003eIt helps\u0026nbsp;\u003ca href=\\\"https://www.fibe.in/blogs/how-instant-loans-can-boost-your-credit-score/\\\"\u003eboost your credit score\u003c/a\u003e\u0026nbsp;by reducing your overall debt and improving your debt-to-income ratio, making it easier for you to qualify for loans in the future.\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003e\u003cstrong\u003eReduce Financial Burden\u003c/strong\u003e\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003cp\u003ePaying a loan early can ease the stress of making regular payments for your personal loan EMIs.\u003c/p\u003e\\n\\n\\n\\n\u003cp\u003eProceed with the prepayment process once you know the personal loan foreclosure charges, penalties and other requirements. This way, you can make an informed decision about whether or not to pay off your loan ahead of schedule.\u003c/p\u003e\\n\\n\\n\\n\u003cp\u003eAt Fibe, you can get an\u0026nbsp;\u003ca href=\\\"https://www.fibe.in/instant-cash-loan/\\\"\u003eInstant Cash Loan\u003c/a\u003e\u0026nbsp;without foreclosure charges within a few minutes. Simply download our\u0026nbsp;\u003ca href=\\\"https://play.google.com/store/apps/details?id=com.earlysalary.android\u0026amp;hl=en_IN\u0026amp;gl=IN\\\"\u003ePersonal Loan App\u003c/a\u003e\u0026nbsp;and get funds of up to ₹5 lakhs with minimal documentation.\u003c/p\u003e\\n\\n\\n\\n\u003ch2 class=\\\"wp-block-heading\\\"\u003eFAQs on\u0026nbsp;Foreclosure Charges for a Personal Loan\u003c/h2\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eIs it reasonable to foreclose a personal loan?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eIt is generally advisable to prepay your credit, but you need to consider the following things:\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eMany lenders levy personal loan foreclosure charges, so consider these costs before prepaying to make a cost-effective decision\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eIt helps improve your credit score and reduce your financial burden\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eHow are foreclosure charges calculated?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eThe prepayment fees are typically a percentage of the outstanding loan amount or a flat fee, depending on the lender’s policy. The exact calculation method may vary from one lender to another.\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eWhat is the best way to close a personal loan?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eHere is the ideal procedure to pay off your credit before the end of the tenure-\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eCheck if there are any prepayment penalties or foreclosure charges\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eIf there are none, you can pay off the loan to save on interest charges and improve your credit score\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eWhat does the RBI say about foreclosure charges?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eThe following are the guidelines laid out by the Reserve Bank of India on prepayment charges-\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eLenders cannot charge prepayment penalties on floating-rate loans\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eThey can levy foreclosure charges on fixed-rate loans\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eThe exact rules and regulations can vary depending on the type of loan and lender\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eWhat is the purpose of foreclosure?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eThe prepayment of personal loans serves the following purposes-\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eAllows you to pay off the entire debt early\u0026nbsp;\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eHelps you save money on interest charges\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eEnables you to improve your credit score\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eAre there any foreclosure charges for personal loans?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eYes, most financial institutions charge foreclosure fees for personal loans. At Fibe, there are zero charges if you foreclose your loan.\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eWhat are loan foreclosure fees?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eHere is a brief overview of the prepayment charges-\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eYou may have to pay these charges if you decide to pay off the loan before its repayment duration\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eThese help lenders cover the interest that they will not get due to the early repayment of the loan\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eIt typically ranges between 2% and 6% of the outstanding loan amount\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eHow to avoid foreclosure charges on personal loans?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eYou can evade this fee by choosing a lender like Fibe that does not levy a foreclosure charge.\u0026nbsp;\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eCan I get a personal loan without any foreclosure charges?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eYes, you can get a personal loan without any prepayment fees on Fibe.\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eIs it profitable to foreclose a personal loan?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eFollow this strategy to know whether foreclosing a credit will be reasonable-\u003c/p\u003e\\n\\n\\n\\n\u003cul class=\\\"wp-block-list\\\"\u003e\\n\u003cli\u003eYou can pay off your loan early if your lender does not charge any fee for the same\u003c/li\u003e\\n\\n\\n\\n\u003cli\u003eIf any fee is applicable, compare the cost of prepayment with the overall interest charges you would have paid during the repayment duration\u003c/li\u003e\\n\u003c/ul\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eWhat is the penalty for the pre-closure of a personal loan?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eThe penalty for foreclosure of a personal loan generally ranges between 2% and 6% of the outstanding loan amount.\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eWhat is the RBI policy on foreclosure charges?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eAccording to the RBI guidelines, you do not need to pay foreclosure charges on personal loans with floating interest rates. However, you need to pay foreclosure charges on personal loans with fixed interest rates. These charges depend on the specific rules and regulations of lenders.\u003c/p\u003e\\n\\n\\n\\n\u003ch3 class=\\\"wp-block-heading\\\"\u003eCan banks levy foreclosure charges on personal loans?\u003c/h3\u003e\\n\\n\\n\\n\u003cp\u003eYes, banks can and often do, levy foreclosure charges on personal loans, which are typically between 3% and 6% of the outstanding loan amount.\u003c/p\u003e\\n\"}}],[\"$\",\"div\",null,{\"className\":\"my-4\",\"children\":[\"$\",\"ul\",null,{\"className\":\"divide-x divide-transparent lg:divide-slate-400 flex flex-wrap justify-start lg:justify-start [\u0026\u003eli]:px-3 [\u0026\u003eli]:mb-2 [\u0026\u003eli:first-child]:pl-0 text-base lg:text-xl\",\"children\":[[\"$\",\"li\",null,{\"children\":[\"$\",\"$Lb\",null,{\"href\":\"/blogs/personal-loan/\",\"className\":\"text-primary hover:text-primary-dark\",\"children\":\"Personal Loan\"}]}],[\"$\",\"li\",null,{\"children\":\"10 May 2023\"}]]}]}]]}],[\"$\",\"$L13\",null,{\"title\":\"Foreclosure Charges for a 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