Date:26-10-2024 11:48 AM

KEY FACTS STATEMENT

Part 1 (Interest rate and Fee/Charges)
1 Loan proposal/ account No. LF016331101 Type of loan Gold Loan

2 Sanctioned Loan amount (in Rupees)

Rs. 115250
Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3 (ii) If it is stage wise, mention the clause of loan agreement having 100% Upfront
relevant details

4 Loan term (year/months/days) 9 Months

5 Installment details
Type of installments: Number of EPIs: EPI (Rs.): Commencement of repayment, post sanction:

Bullet Repayment N/A N/A Repay Principal by: 26-07-2025

Repay Interest by: 23-06-2025
(Every 240 days from pledge date or last interest paid date whichever is later but not exceeding

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Principal Due Date 26-07-2025)

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6 Interest rate (%) and type (fixed or floating or hybrid) 30.00% p.a fixed

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7 Additional Information in case of Floating rate of interest

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Reference Benchmark rate Spread (%) (S) Final rate (%) R = Reset periodicity (Months) Impact of change in the reference
Benchmark: (%) (B) (B) + (S) benchmark (for 25 bps change in

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‘R’,change in:)

B S EPI (Rs.) No. of EPIs

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8 Fee/ Charges
Payable to the RE (A)
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Payable to a third party through RE (B)
One-time/ Amount (in Rs.) or One- time/Recurring Amount (in Rs.) or Percentage (%)
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Recurring Percentage (%) as as applicable
applicable
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Processing Fee incl of Rs. 250

(i) Taxes One time
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(ii) Insurance charges

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(iii) Valuation Fee

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Notice Charges (Inclusive Rs. 80

(iv) One time
of taxes)
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Notice Charges (Inclusive

(v) Recurring
of taxes)
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Auction charge 2% of auction value

(vi) One time
(Excluding Taxes) subject to maximum of
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Rs 2000 plus GST.

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(vii) Stamp Duty One time Rs. 0

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(viii) Convenience Fee

(ix) Any other (please

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9 Annual Percentage Rate (APR) (%) 31.44%

10 Details of Contingent Charges (in Rs. or %, as applicable)
i Penal charges, if any, in case of delayed payment NA
ii Other penal charges, if any NA
iii Foreclosure charges, if applicable
iv Charges for switching of loans from floating to fixed rate and vice versa NA
v Any other charges (please specify)

Name and Signature of Borrower

 Part 2 (Other qualitative information)
1 Clause of Loan agreement relating to engagement of recovery agents NA
2 Clause of Loan agreement which details grievance redressal mechanism Refer Clause No. 21 in Pledge Form
Phone number and email id of the nodal grievance redressal officer Phone No: 0471 4911400
3 Emailid:customercare@muthoot.com

4 Whether the loan is, or in future maybe, subject to transfer to other REs or securitisation (Yes/No) Yes

In case of lending under collaborative lending arrangements (e.g., co-lending/outsourcing), the following additional details may be furnished:
The Company(Muthoot Fincorp Ltd) may enter into co-lending arrangement with certain banks eligible under co-lending guidelines notified by RBI vide notification
dated November 05, 2020 titled “Co-Lending by Banks and NBFCs to Priority Sector”pursuant to which if the loan availed by the Borrower is accepted by any of the
aforesaid banks(“Bank”),the Bank will transfer monies to the extent of 80% of the total principal outstanding to the Company(“Bank Contribution”). Upon transfer by the
5 Bank of the Bank Contribution, the terms of the loan will be deemed to be novated in such a manner that Bank will become a co-lender of the loan and will be deemed
to have executed the loan document as a co-lender along with the Company. Since Muthoot Fincorp follows Co lending model II where the partner Bank details shall
be decided only after the disbursement of the loan, the specific name of the partner bank shall be separately intimated to the Borrower through a communication to his
registered mobile number

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Name of the originating RE, along with its funding proportion Name of the partner RE along with its proportion of Blended rate of interest

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funding

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6 In case of digital loans, following specific disclosures may be furnished:

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(i) Cooling off/look-up period, in terms of RE's board approved policy, during which borrower shall not be charged any penalty on NA

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prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized to approach the borrower NA

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Name and Signature of Borrower

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Approach for Gradation of Risk

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The interest rate charged on a loan depends primarily on the borrowing cost of MFL, the operational expenditure, MFL’s margin and the degree of risk
envisaged(risk premium) on each loan. Further, interest rate risk(fixed vs floating loan), ALM mismatch risk, Credit and default risk in the related
business segment, and the prevailing market interest rates are factored into while determining the interest rate charged.
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In the case of Gold loan, Risk premium is determined based on parameters like loan to value ratio, (for which purity of jewellery is one of the determining
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factors), loan ticket size and customer behaviour on interest payments. Prompt payment of interest fetches rebate to the customer reducing the interest
rate charged.
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Name and Signature of Borrower

REPAYMENT SCHEDULE
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Outstanding Principal (in

Instalment No. Prinicipal Repayment Interest Installment
Rupees)
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1 115250.00 22717.00 22717.00

2 115250.00 115250.00 2084.00 117334.00

Name and Signature of Borrower