Legal
Pricing & Fees
Effective date: April 2026. Last updated: May 2026.
All prices are in Indian Rupees (₹) and are inclusive of 18% GST unless explicitly stated otherwise. ADVIJJ FINTECH PRIVATE LIMITED (CIN U70200HR2026PTC145066) does not levy any surcharge, convenience fee, or hidden charge beyond what is listed below. Payment is collected through our PCI-DSS-compliant payment aggregator partner.
1. PayDay loan
PayDay loans are issued by RBI-licensed NBFC partners; payd24 acts as the Lending Service Provider (LSP). All charges are disclosed in the Key Fact Statement (KFS) before you accept the loan offer.
| Item | Rate |
|---|---|
| Principal amount | ₹1,000 – ₹50,000 |
| Tenure | 15 / 30 / 45 days (bullet repayment) |
| Interest rate | Annualised — disclosed on KFS per loan (APR shown) |
| Processing fee (LSP facilitation) | Variable, up to a maximum disclosed on KFS |
| GST on processing fee | 18% of processing fee |
| Late fee (overdue) | As disclosed on KFS; capped per RBI norms |
| Prepayment / foreclosure penalty | Nil — pay early, save interest |
| Bounce / NACH return charge | As disclosed on KFS |
Net disbursed amount = Principal − (Processing fee + GST). The full repayment schedule and APR are on the KFS — see a sample KFS.
2. Credit Assist tiers
| Tier | Price (incl. GST) | What you get |
|---|---|---|
| Score Report | ₹99 | Bureau report PDF + AI-prioritised improvement plan, delivered in 24h. |
| Consultation | ₹999 | 30-minute video / phone call with a credit advisor + written action plan PDF. |
| Settlement Execution | ₹2,999 | Empanelled Chartered Accountant negotiates with your creditors under a limited PoA. |
Each Credit Assist tier is a one-time charge. No recurring subscription, no auto-renewal. See the refund policy for per-tier refund terms.
3. Payment methods
- UPI (recommended)
- Debit card / Credit card
- Net banking
Card and bank details are processed by our payment aggregator partner and never touch payd24 servers.
4. Taxes
All consumer-facing prices on the payd24 website and mobile app are inclusive of applicable taxes (currently 18% GST). A tax invoice is emailed to your registered email within 24 hours of every successful payment.
5. Currency
Transactions are denominated and settled in Indian Rupees (INR / ₹). We do not accept payments in foreign currencies.
6. Promotional pricing
From time to time we may offer promotional pricing or discounts. The terms, validity, and eligibility criteria of any promotion will be displayed at the point of offer. Promotional prices are inclusive of GST unless stated otherwise.
Contact
Billing questions: support@payd24.com.
Last updated: May 2026.