Calculator
Late Payment Fee Calculator
Calculate penalty and CIBIL impact of late payment.
Last updated 18 June 2026
How this works
Calculate penalty and CIBIL impact of late payment.
The calculator takes 4 inputs (outstanding, days late, apr %, late fee) and produces 1 output (total penalty). All formulas are published below — no hidden assumptions, no sign-up wall, no data sent to a server.