Bajaj Finserv — hidden charges on loan as "credit vidya fees"

Address:

Visakhapatnam, Andhra Pradesh

I applied for a loan and as i checked for the fees and charges it showed "credit vidya fees" which i am not sure why it was charged. I was not told about this fees at all or neither it was asked if they can charge it to me.
Loan no - 408gdf97102134 started from 02.02.2019
I called up the customer care and they said it is a mandatory fees but i think it is upto the customer if he wants the "credit viday fees" to be charged or not. This is a hidden charge which was never revealed by the company while giving the loan. It is like taking money from customer without their consent by adding such charges which is not at all needed by the customer.