This is paid to Lenders when the time between the actual date of disbursal and the 1st installment is more than 30 days. 

Ex. If a loan is disbursed on the 25th of August and the repayment date is the 1st of every month, then the 1st EMI will be deducted on the 1st of October. Lenders who have invested in this profile would get BPI for the additional 7 days over the 30 day period.