Recovery Fee applies only when a loan overdue by 90+ days is successfully recovered. 25% of the recovered amount goes to third-party recovery partners who handle the collection. A fixed slab-based recovery fee is charged depending on loan amount & how long the loan is overdue. The remaining amount is paid out to the lender. Both fees are deducted only from the recovered amount. No recovery = no fee. Lenders are never charged if nothing is collected.