diff --git a/app/api/services/loan_repayment_schedule_service.py b/app/api/services/loan_repayment_schedule_service.py
index ddd48c3..11d823c 100644
--- a/app/api/services/loan_repayment_schedule_service.py
+++ b/app/api/services/loan_repayment_schedule_service.py
@@ -82,6 +82,9 @@ class LoanRepaymentScheduleService:
                     'total_repayment_amount': schedule.total_repayment_amount,
                     'paid': schedule.paid,
                     'paid_at': schedule.paid_at.isoformat() if schedule.paid_at else None,
+                    'penal_charge': schedule.penal_charge,
+                    'penal_count': schedule.penal_count,
+                    'last_penal_date': schedule.last_penal_date.isoformat() if schedule.last_penal_date else None,
                     'created_at': schedule.created_at.isoformat() if schedule.created_at else None,
                     'updated_at': schedule.updated_at.isoformat() if schedule.updated_at else None
                 })
diff --git a/app/api/services/loan_service.py b/app/api/services/loan_service.py
index 39516fc..5be3b1e 100644
--- a/app/api/services/loan_service.py
+++ b/app/api/services/loan_service.py
@@ -116,6 +116,8 @@ class LoanService:
                     'verifyDescription': loan.verify_description,
                     'disburseDate': loan.disburse_date.isoformat() if loan.disburse_date else None,
                     'disburseVerify': loan.disburse_verify.isoformat() if loan.disburse_verify else None,
+                    'totalPenalCharge': loan.total_penal_charge,
+                    'lastPenalDate': loan.last_penal_date.isoformat() if loan.last_penal_date else None,
                 })
 
             # Calculate total pages
diff --git a/app/models/loan.py b/app/models/loan.py
index 85c1a51..f1dc107 100644
--- a/app/models/loan.py
+++ b/app/models/loan.py
@@ -45,6 +45,10 @@ class Loan(db.Model):
     reference = db.Column(db.String(50), nullable=True)
     balance = db.Column(db.Float, nullable=True, default=0.0)
 
+    total_penal_charge = db.Column(db.Float, default=0.0)
+    last_penal_date = db.Column(db.DateTime, nullable=True)
+
+
     customer = relationship(
         "Customer",
         primaryjoin="Customer.id == Loan.customer_id",
@@ -169,6 +173,8 @@ class Loan(db.Model):
             'disburseVerify': self.disburse_verify.isoformat() if self.disburse_verify else None,
             'reference': self.reference,
             'balance': self.balance,
+            'totalPenalCharge': self.total_penal_charge,
+            'lastPenalDate': self.last_penal_date.isoformat() if self.last_penal_date else None,
         }
 
     def __repr__(self):
diff --git a/app/models/loan_repayment_schedule.py b/app/models/loan_repayment_schedule.py
index 5821895..bb77937 100644
--- a/app/models/loan_repayment_schedule.py
+++ b/app/models/loan_repayment_schedule.py
@@ -20,6 +20,12 @@ class LoanRepaymentSchedule(db.Model):
     created_at = db.Column(db.DateTime, default=datetime.now(timezone.utc))
     updated_at = db.Column(db.DateTime, default=datetime.now(timezone.utc), onupdate=datetime.now(timezone.utc))
 
+
+    penal_charge = db.Column(db.Float, default=0.0)
+    penal_count = db.Column(db.Integer, default=0)
+    last_penal_date = db.Column(db.DateTime, nullable=True)
+
+
     # loan = relationship(
     #     "Loan",
     #     primaryjoin="LoanRepaymentSchedule.loan_id == Loan.id",
@@ -96,6 +102,9 @@ class LoanRepaymentSchedule(db.Model):
             'total_repayment_amount': self.total_repayment_amount,
             'paid': self.paid,
             'paid_at': self.paid_at.isoformat() if self.paid_at else None,
+            'penal_charge': self.penal_charge,
+            'penal_count': self.penal_count,
+            'last_penal_date': self.last_penal_date.isoformat() if self.last_penal_date else None,
             'created_at': self.created_at.isoformat() if self.created_at else None,
             'updated_at': self.updated_at.isoformat() if self.updated_at else None
         }