BPI (Broken Period Interest) or gap interest charge kiya jata hai jab loan disburse ki date or 1st EMI ka gap 31 days se zyada hai. Jaise agar 25 August ko loan ddisburse hua hai aur repayment ki date har mahine ki 1st hai, to 1st EMI, 1st October ko li jaegi. Sysytem BPI amount ko calculate karne ke liye 1/12 formula ka use karta hai us mahine ke liye, chaahe mahine me 30, 31, 28 ya 29 din ho. Ek mahine ko hamesha 30 din ka hi consider kiya jata hai.


Processing fee and Gap interest approved amount me se disburse hone se pehle deduct kiya jata hai.