Work out the late fee on overdue rent or society maintenance using a flat fee, a per-day charge or a percentage rule — with an optional grace period and interest — so the amount on your reminder matches the agreement or bye-laws. Free, no login, prints to PDF.
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Counted only for days after the grace period.
Simple interest for the chargeable days. Societies often use ~18–21% p.a. Leave 0 to skip.
Your result
Total payable now
—
overdue + late fee + interest
Indicative only. A late fee is enforceable only if set in your agreement or bye-laws.
This calculator gives an indicative figure for planning only and is not legal or financial advice. A late fee or interest on arrears is enforceable only where it is set out in the rent agreement or society bye-laws under the applicable state tenancy or cooperative-society rules, and should be a reasonable charge rather than a penalty. For a GST-registered society, late fees on maintenance may attract GST. Confirm the rule with your legal or society auditor before billing.
How late fees work
A single fixed amount applied once the payment is late — for example ₹500 regardless of how late. Simple and predictable; common in rent agreements where the landlord wants a clear, modest deterrent rather than a charge that grows.
A daily charge multiplied by the number of chargeable days: Fee = Per-day charge × Days late. ₹50 a day for 10 chargeable days is ₹500. It scales with delay, so it nudges faster payment — but should stay reasonable to remain enforceable.
A percentage of the overdue amount: Fee = Overdue × Percentage. 2% of ₹20,000 is ₹400. Often used by societies on larger maintenance dues so the fee is proportional to the amount owed.
Many agreements allow a grace period after the due date before a fee applies. Chargeable days = Days overdue − Grace period (never below zero). With rent due on the 5th and a 5-day grace, a payment on the 20th is 15 days overdue but only 10 chargeable days.
Some agreements and society bye-laws add simple interest on the overdue amount, often around 18–21% per year for societies. This calculator can add simple interest for the chargeable days on top of the late fee. Keep it reasonable — a charge meant to penalise rather than compensate can be challenged.
15 days overdue, so 10 chargeable days. No interest added.
| Rule | Setting | Late fee | Total payable |
|---|---|---|---|
| Flat | ₹500 fixed | ₹500 | ₹20,500 |
| Per-day | ₹50 × 10 days | ₹500 | ₹20,500 |
| Percentage | 2% of ₹20,000 | ₹400 | ₹20,400 |
Illustrative. The enforceable rule is whatever your agreement or bye-laws specify.
From one reminder to automatic dues
Calculating one late fee is easy; tracking forty across a society is not. EstateDeck applies your late-fee rule and grace period to every overdue rent or maintenance bill automatically, adds it to the next invoice, sends DLT-compliant reminders over app, WhatsApp and SMS, and keeps a defaulter list with running arrears — so the committee or landlord acts on facts, not memory.
Auto
late fee on every overdue bill
Grace
period applied per rule
DLT
compliant reminders
List
defaulters with arrears
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Late fees, answered
It depends on your agreement. A flat fee is a fixed amount like ₹500. A per-day fee is a daily charge times days late — ₹50/day for 10 days is ₹500. A percentage fee applies a percentage of the overdue amount. Some agreements also add interest on arrears.
Yes, where the bye-laws or a general body resolution provide for it under the state cooperative-society act. It's commonly a flat amount or simple interest on overdue maintenance, often around 18–21% per year, but the exact rule and grace period are set by the society.
There's no single nationwide cap, but a late fee should be a reasonable charge, not a penalty — unreasonably high fees can be challenged. The fee must be in the agreement to be enforceable, in line with Model Tenancy Act and state-rule emphasis on fair, agreed terms.
Days after the due date during which no fee applies. With rent due on the 5th and a 5-day grace, a fee starts only from the 11th. Chargeable days for the fee are counted after the grace period ends.
For a GST-registered society liable on maintenance, a late fee or interest on overdue maintenance can attract GST as it relates to the taxable supply. Treatment varies — confirm with your auditor. This tool shows the late fee itself; GST is separate.
No — it's free and runs in your browser. If you run EstateDeck, the late-fee rule and grace period apply automatically to overdue rent or maintenance, get added to the next invoice, and go out with DLT-compliant reminders.
EstateDeck adds your late-fee rule to every overdue bill, sends DLT-compliant reminders and keeps a live defaulter list.
