Key Fact Statement / Fact Sheet

Part 1 (Interest rate and fees/charges)

1. Loan proposal / account No: 703607198
RESIDENT HOME LOAN-VARIABLE RATE-MONTHLY
Type of Loan REST
Name of the Borrower MR JHA ASHISH
2. Sanctioned Loan amount (in Rupees) 5199000
3. Disbursal schedule
(i) Disbursement in stages or 100% upfront. Stagewise
(ii) If it is stage wise, mention the clause of Refer article 4.1 of the loan agreement
loan agreement having relevant details
4. Loan term ( months ) 240
5. Instalment details
Type of instalments Number of EPI (Rs.) Commencement of repayment, post sanction*
EPIs
MONTHLY 240 45779 The date of commencement of EMI shall be the FIRST day
of the month following the month in which the final
disbursement of the loan will have been completed and
consequently the Due Date of payment of the first EMI in
such case will be the 5th day of the month following such
month and the Due Dates for subsequent EMIs shall be on
or before 5th day of every succeeding month thereafter
6. Interest rate (%) and type (fixed or floating or hybrid) 8.70% Floating
7. Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final rate(%) Reset periodicity Impact of change
Benchmark rate (%) (B) (%) (S) R = (B) + (S) (Months) in the reference
External Benchmark 6.50 2.20 8.70 B S EPI(Rs)** No.of EPIs**
Lending Rate Monthly Not Applicable 45779 240
("EBLR") of HDFC
Bank Limited i.e.
Repo Rate
**EPI amount is mentioned assuming no change in No. of EPIs; No. of EPIs are mentioned assuming no
change in EPI amount.
8. Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)
One-time/ Amount (in Rs.) or One-time/ Amount (in Rs.) or
Recurring Percentage Recurring Percentage
(%) as applicable (%) as applicable
i. Processing fees One Time 2500 0
ii. Insurance Charges 0 0
iii.Valuation fees 0 0
iv.CERSAI Registration One Time 100 0
Charges paid to Bank
v.Any other(please specify) 0 0
Total 2600 0
9. Annual Percentage Rate (APR) (%)* 8.71%

10.Details of Contingent Charges (in Rs. or %, as applicable)

i. Penal charges, if any, in Delayed instalment payment charge 18% P. A. plus

case of delayed payment applicable government taxes on overdue instalment
amounts.
ii. Other penal charges,if any

iii.Foreclosure charges, if For Housing Loan , Home Renovation, Home Extension Loan , Plot
applicable Loan , Plot + Construction Loan.
• Adjustable Rate Loans (ARHL) and Combination Rate Home Loan
(“CRHL”) during the period of applicability of the Variable Rate of
interest – Nil
• Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan
(“CRHL”) during the period of applicability of the Fixed Rate of
interest - 2% plus applicable taxes/statutory except when part or full
prepayment is being made through own sources*.
For Topup loans/ Home Equity/ NRP/ NRP Equity loan/Plot Equity
Loan

No prepayment charges shall be applicable for part prepayment

once during a financial year only if the amount being prepaid does
not exceed 25 % of the principal amount outstanding at the time of
such prepayment. 2.5% (+) Applicable Taxes of principal
outstanding being prepaid or at such rates as decided by the Bank
If The Amount Being Prepaid Is More Than Said 25%.Premature
Closure Charges:2.5% (+) Applicable Taxes of principal outstanding
being prepaid or at such rates as decided by the Bank.

No prepayment/premature closure charges will be applicable for

payments made post 60 months from the date of last disbursement
of the loan.
NIL pre-payment/part-payment/premature closure charges on
floating rate term loan sanctioned for purposes other than business
to individual borrowers with or without co-obligant(s).NIL Pre-
Payment /Part Payment & Premature closure charges on floating
rate loans to Micro & Small Enterprise (MSE) Certified borrowers.
iv.Charges for switching of loans For Housing Loan , Home Renovation, Home Extension Loan , Plot
from floating to fixed rate and Loan , Plot + Construction Loan. (Switch to lower rate in Variable rate
vice versa loans )
Upto 0.50% of the Principal Outstanding and undisbursed amount (if
any) at the time of Conversion or Rs 3000 (which ever is lower ) for
1st Conversion with charges, for Subsequent conversions charges
would be Upto 0.50% of the Principal Outstanding and undisbursed
amount (if any) at the time of Conversion OR Rs 2000 ( which ever is
lower ).
Switch from Combination rate home loan under fixed rate term/Fixed
rate loan to Variable rate – Upto 1.50% of the Principal Outstanding.
Conversion of ROI from floating to fixed(who have availed EMI based
floating rate Personal Loans).Please refer the RBI
circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on "XBRL Returns
– Harmonization of Banking Statistics" dated January 04, 2018.".
For Topup loans / Home Equity / NRP / NRP Equity loan/Plot Equity
 Loan (Switch to lower rate in Variable rate loans )
Upto 0.50% of the Principal Outstanding and undisbursed amount (if
any) at the time of Conversion or Rs 5000 (which ever is lower )
v. Any other charges Payment Return Charges - Rs. 300/- Per Dishonor.
(please specify) Photocopy of Documents - Upto Rs. 500/-.
List of documents-For issuance of duplicate list of documents post
disbursement - Upto Rs.500/-
Repayment Mode Change Charges - Upto Rs.500/-
Custody Charges/Property Document Retention charges:- Rs.1000
per calendar month, after 2 calendar months from date of closure of
all loans/facilities linked to the collateral
Re-appraisal of loan after 6months from date of sanction -
Salaried/Self employed Professional-Upto Rs. 3300/- For Self-
Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach
Scheme/- Upto Rs. 5000
Fees On Account Of External Opinion- at actual
Statutory / Regulatory Charges- at actual
Mortgage Guarantee- at actual
Incidental Charges- at actual
Non Compliance of sanction / agreed Terms-Upto 2% charges per
annum on principal outstanding for non compliance of agreed terms
upto its fulfillment - (Charged on monthly basis) Subject to a Max of
Rs. 50000/- for Critical security related deferrals Max of Rs. 25000/-
for other deferrals

All the above service charges/fees/Commissions are exclusive of taxes.

 Part 2 (Other qualitative information)
1. Clause of Loan agreement relating to Refer article 9.3(C) of the loan agreement
engagement of recovery agents
2. Clause of Loan agreement which details Refer SCHEDULE IX
grievance redressal mechanism ADDITIONAL SCHEDULE CUM KEY FACT STATEMENT
Toll free no - 18002664060 and email Id:-
3. Phone number and email id of the nodal grievance.redressal@hdfcbank.com
grievance redressal officer
4. Whether the loan is, or in future maybe, Yes
subject to transfer to other REs or
securitisation
5. In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following
additional details may be furnished:
Name of the originating RE, Name of the partner RE along Blended rate of interest
along with its funding with its proportion of funding
proportion
Not Applicable Not Applicable Not Applicable
6. In case of digital loans, following specific disclosures may be furnished:

i. Cooling off/look-up period during which borrower Not Applicable

shall not be charged any penalty on prepayment
of loan and can exit digital loan by paying the
principal and the proportionate APR. Stamp
duty, other statutory charges and GST which are
non-refundable charges would not be
waived/refunded.
ii.Details of LSP acting as recovery agent and Not Applicable
authorized to approach the borrower
*subject to sanction acceptance at the time of first disbursement
All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
10% discount to senior citizens on all the service charges
NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to
Rs. 50 Lakh availed by Micro & Small Enterprises.

Detailed Repayment Schedule

Instalment Outstanding Principal Principal Interest Instalment
No. (in Rupees) (in Rupees) (in Rupees) (in Rupees)
0 5199000 8086 37693 45779
1 5190914 8145 37634 45779
2 5182769 8204 37575 45779
3 5174565 8263 37516 45779
4 5166302 8323 37456 45779
5 5157979 8384 37395 45779
6 5149595 8444 37335 45779
7 5141151 8506 37273 45779
8 5132645 8567 37212 45779
9 5124078 8629 37150 45779
10 5115449 8692 37087 45779
11 5106757 8755 37024 45779
12 5098002 8818 36961 45779
13 5089184 8882 36897 45779
14 5080302 8947 36832 45779
15 5071355 9012 36767 45779
16 5062343 9077 36702 45779
17 5053266 9143 36636 45779
18 5044123 9209 36570 45779
19 5034914 9276 36503 45779
20 5025638 9343 36436 45779
21 5016295 9411 36368 45779
22 5006884 9479 36300 45779
23 4997405 9548 36231 45779
24 4987857 9617 36162 45779
25 4978240 9687 36092 45779
26 4968553 9757 36022 45779
27 4958796 9828 35951 45779
28 4948968 9899 35880 45779
29 4939069 9971 35808 45779
30 4929098 10043 35736 45779
31 4919055 10116 35663 45779
32 4908939 10189 35590 45779
33 4898750 10263 35516 45779
34 4888487 10337 35442 45779
35 4878150 10412 35367 45779
36 4867738 10488 35291 45779
37 4857250 10564 35215 45779
38 4846686 10641 35138 45779
39 4836045 10718 35061 45779
40 4825327 10795 34984 45779
41 4814532 10874 34905 45779
42 4803658 10952 34827 45779
43 4792706 11032 34747 45779
44 4781674 11112 34667 45779
45 4770562 11192 34587 45779
46 4759370 11274 34505 45779
47 4748096 11355 34424 45779
48 4736741 11438 34341 45779
49 4725303 11521 34258 45779
50 4713782 11604 34175 45779
51 4702178 11688 34091 45779
52 4690490 11773 34006 45779
53 4678717 11858 33921 45779
54 4666859 11944 33835 45779
55 4654915 12031 33748 45779
56 4642884 12118 33661 45779
57 4630766 12206 33573 45779
58 4618560 12294 33485 45779
59 4606266 12384 33395 45779
60 4593882 12473 33306 45779
61 4581409 12564 33215 45779
62 4568845 12655 33124 45779
63 4556190 12747 33032 45779
64 4543443 12839 32940 45779
65 4530604 12932 32847 45779
66 4517672 13026 32753 45779
67 4504646 13120 32659 45779
68 4491526 13215 32564 45779
69 4478311 13311 32468 45779
70 4465000 13408 32371 45779
 71 4451592 13505 32274 45779
72 4438087 13603 32176 45779
73 4424484 13701 32078 45779
74 4410783 13801 31978 45779
75 4396982 13901 31878 45779
76 4383081 14002 31777 45779
77 4369079 14103 31676 45779
78 4354976 14205 31574 45779
79 4340771 14308 31471 45779
80 4326463 14412 31367 45779
81 4312051 14517 31262 45779
82 4297534 14622 31157 45779
83 4282912 14728 31051 45779
84 4268184 14835 30944 45779
85 4253349 14942 30837 45779
86 4238407 15051 30728 45779
87 4223356 15160 30619 45779
88 4208196 15270 30509 45779
89 4192926 15380 30399 45779
90 4177546 15492 30287 45779
91 4162054 15604 30175 45779
92 4146450 15717 30062 45779
93 4130733 15831 29948 45779
94 4114902 15946 29833 45779
95 4098956 16062 29717 45779
96 4082894 16178 29601 45779
97 4066716 16295 29484 45779
98 4050421 16413 29366 45779
99 4034008 16532 29247 45779
100 4017476 16652 29127 45779
101 4000824 16773 29006 45779
102 3984051 16895 28884 45779
103 3967156 17017 28762 45779
104 3950139 17140 28639 45779
105 3932999 17265 28514 45779
106 3915734 17390 28389 45779
107 3898344 17516 28263 45779
108 3880828 17643 28136 45779
109 3863185 17771 28008 45779
110 3845414 17900 27879 45779
111 3827514 18030 27749 45779
112 3809484 18160 27619 45779
113 3791324 18292 27487 45779
114 3773032 18425 27354 45779
115 3754607 18558 27221 45779
116 3736049 18693 27086 45779
117 3717356 18828 26951 45779
118 3698528 18965 26814 45779
119 3679563 19102 26677 45779
120 3660461 19241 26538 45779
121 3641220 19380 26399 45779
122 3621840 19521 26258 45779
123 3602319 19662 26117 45779
124 3582657 19805 25974 45779
125 3562852 19948 25831 45779
126 3542904 20093 25686 45779
127 3522811 20239 25540 45779
128 3502572 20385 25394 45779
129 3482187 20533 25246 45779
130 3461654 20682 25097 45779
131 3440972 20832 24947 45779
132 3420140 20983 24796 45779
133 3399157 21135 24644 45779
134 3378022 21288 24491 45779
135 3356734 21443 24336 45779
136 3335291 21598 24181 45779
137 3313693 21755 24024 45779
138 3291938 21912 23867 45779
139 3270026 22071 23708 45779
140 3247955 22231 23548 45779
141 3225724 22393 23386 45779
142 3203331 22555 23224 45779
143 3180776 22718 23061 45779
144 3158058 22883 22896 45779
145 3135175 23049 22730 45779
146 3112126 23216 22563 45779
147 3088910 23384 22395 45779
148 3065526 23554 22225 45779
149 3041972 23725 22054 45779
150 3018247 23897 21882 45779
151 2994350 24070 21709 45779
152 2970280 24244 21535 45779
153 2946036 24420 21359 45779
154 2921616 24597 21182 45779
155 2897019 24776 21003 45779
156 2872243 24955 20824 45779
157 2847288 25136 20643 45779
158 2822152 25318 20461 45779
159 2796834 25502 20277 45779
160 2771332 25687 20092 45779
161 2745645 25873 19906 45779
162 2719772 26061 19718 45779
163 2693711 26250 19529 45779
164 2667461 26440 19339 45779
165 2641021 26632 19147 45779
166 2614389 26825 18954 45779
167 2587564 27019 18760 45779
168 2560545 27215 18564 45779
169 2533330 27412 18367 45779
170 2505918 27611 18168 45779
171 2478307 27811 17968 45779
172 2450496 28013 17766 45779
173 2422483 28216 17563 45779
174 2394267 28421 17358 45779
175 2365846 28627 17152 45779
176 2337219 28834 16945 45779
177 2308385 29043 16736 45779
178 2279342 29254 16525 45779
179 2250088 29466 16313 45779
180 2220622 29679 16100 45779
181 2190943 29895 15884 45779
182 2161048 30111 15668 45779
183 2130937 30330 15449 45779
184 2100607 30550 15229 45779
185 2070057 30771 15008 45779
186 2039286 30994 14785 45779
187 2008292 31219 14560 45779
188 1977073 31445 14334 45779
189 1945628 31673 14106 45779
190 1913955 31903 13876 45779
191 1882052 32134 13645 45779
192 1849918 32367 13412 45779
193 1817551 32602 13177 45779
194 1784949 32838 12941 45779
195 1752111 33076 12703 45779
196 1719035 33316 12463 45779
197 1685719 33558 12221 45779
198 1652161 33801 11978 45779
199 1618360 34046 11733 45779
200 1584314 34293 11486 45779
201 1550021 34541 11238 45779
202 1515480 34792 10987 45779
203 1480688 35044 10735 45779
204 1445644 35298 10481 45779
205 1410346 35554 10225 45779
206 1374792 35812 9967 45779
207 1338980 36071 9708 45779
208 1302909 36333 9446 45779
209 1266576 36596 9183 45779
210 1229980 36862 8917 45779
211 1193118 37129 8650 45779
212 1155989 37398 8381 45779
213 1118591 37669 8110 45779
214 1080922 37942 7837 45779
215 1042980 38217 7562 45779
216 1004763 38494 7285 45779
217 966269 38774 7005 45779
218 927495 39055 6724 45779
219 888440 39338 6441 45779
220 849102 39623 6156 45779
221 809479 39910 5869 45779
222 769569 40200 5579 45779
223 729369 40491 5288 45779
224 688878 40785 4994 45779
225 648093 41080 4699 45779
226 607013 41378 4401 45779
227 565635 41678 4101 45779
228 523957 41980 3799 45779
229 481977 42285 3494 45779
230 439692 42591 3188 45779
231 397101 42900 2879 45779
232 354201 43211 2568 45779
233 310990 43524 2255 45779
234 267466 43840 1939 45779
235 223626 44158 1621 45779
236 179468 44478 1301 45779
237 134990 44800 979 45779
238 90190 45125 654 45779
239 45065 45065 714 45779
 Illustration for computation of APR for Retail and MSME loans
Sr.No. Parameter Details
1 Sanctioned Loan amount (in Rupees) 5199000/-
2 Loan Term (in months) 240
2.1 No. of instalments for payment of
principal, in case of non equated
periodic loan
2.2 Type of EPI MONTHLY
2.3 EPI Amount of each EPI (in Rupees) 45779
2.4 Nos. of EPIs 240
2.5 No. of instalments for payment of
capitalised interest, if any
2.6 Commencement of repayments, post The date of commencement of EMI shall be the
sanction* FIRST day of the month following the month in which
the final disbursement of the loan will have been
completed the Due Date of payment of the first EMI in
such case will be the 5th day of the month following
such month and the Due Dates for subsequent EMIs
shall be on or before 5th day of every succeeding
month thereafter
3 Interest rate type Floating
4 Rate of Interest % 8.70
5 Total Interest Amount to be charged 5787960
during the entire tenor of the loan as
per the rate prevailing on sanction date
(in Rupees)
6 Fee/ Charges payable (in Rupees) 2600
6.1 Payable to the RE 2600
6.2 Payable to third-party routed through
RE
7 Net disbursed amount (1-6) (in 5196400
Rupees)
8 Total amount to be paid by the 10986960
borrower (sum of 1 and 5) (in Rupees)
9 Annual Percentage rate- Effective 8.71%
annualized interest rate (in percentage)
10 Schedule of disbursement as per terms As per disbursement request from borrower and
and conditions stage of construction of the property.
11 Due date of payment of instalment and The Due Date of payment of the first EMI in such
interest case will be the 5th day of the month following such
month and the Due Dates for subsequent EMIs shall
be on or before 5th day of every succeeding month
thereafterThe Due Date of payment of the first EMI in
such case will be the 5th day of the month following
such month and the Due Dates for subsequent EMIs
shall be on or before 5th day of every succeeding
month thereafter
*subject to sanction acceptance at the time of first disbursement