Section 3(4) in The U.P. Regulation Of Money-Lending Act, 1976
(4)'interest' in relation to a loan, includes any sum, by whatever name called in excess of the principal paid or payable to a money-lender in consideration of or otherwise in respect of the loan, but does not include any sum lawfully charged by a money-lender for or on account of costs, charges or expenses in accordance with the provision of this Act or any other law for the time being in force;
