||1630000000115 Sanction letter with KFS htps:/finpower.ujjivanstb.in/lendper fecvhome/proposaldataentry/byba.
Key Fact Statement
Part 1 (lnterest Rate and Fees/Charges)
Loan proposal/ account No. 1630000000115 1ype of Loan Housing Loan- Secured Self Part
ConsturctionLoan F |Disbursal schedule ull
Sanctioned Loan amount (n 980000
Loan tern (year/ Interest Type & ROIHybrid Rate and
120
Rupees) months/days) |(%) |1399% %
Corrmencernent of
Type of instalments Number of EPls EPI (3) repayrnent, post
Instalment details
Sanction
EMI 120 15210
Add1tional Information in case of Float1ng rate of interest
Reference Benchmark rateSpread (%) Final rate (%) R= Reset periodicity(Months) Impact of change in the reference
Benchmark (%) (B) (S) (B) + (S) S benchmark((for 25 bps Increase in 'R')
subject to revieW Not |Iftenor is kept constant - 15358,0
EBLR 6 60 7.39 13 99% % by the bank* Applicable |IrEMLis kept constant - 123.00
Fees or Charges
Sr No Payable To Type of Charge One-time/ Recurring Amount (in ) or Percentage (%) as applicable
0) Processing fees One Time 3953
()
The RE (A)
CLADUM charges |One Time 23128
(o) R 50+GST for sanctioned Loan Amount <=5Lakhs
The third party Cersai Charges One Time R 100+GST for sanctioned Loan Amount >5 Lakhs
uv) through RE (B) Credit Life Insurance One Time 18925
(v) Property Insurance One Time 2833.18
Annual Percentage Rate (APR) (%) 15.22 %
Details of Contingent Charges (in or %, as applicable)
Payable to the RE (A)
Sr.no Items One- time/
Recurring Amount (in ) or Percentage (%) as applicable5
(1) Penal charges, if any, in case of delayed payment Recurring 2.5%+ GST on the overdue amount per mornth
|() Late payment charges Recurring 500 + GST per instance
|1. For allFloating regime ROI loans - NIL
|2. For all staff loans- NIL
() Foreclosure charges for Housing loans One time 3. For allloans under fixed ROI Regime -if the closure is through Own source
lof funds - NIL Charges.
4. For all loans under fixed ROI Regime -if the closure is through Balance
Transfer to other FI-3% + GST.
|. For allFloating Salaried profile loans - NIL
Foreciosure charges for Home equity loans and li. For all loans under fixed ROI Regime &For all Floating Self-Employed Loans
() |Commercial Property Purchase
One time FIf the vintage of the loan account is more than 12 months 4% + GST.
i. For all loans under fixed ROI Regime &For all Floating Self-Employed
|Loans - If the vintage of the loan account is less than 12 months - 5% + GST.
(iy Part Payment Charges for Home loans Recurring Part-Payment charges for Housing loans and staff loans: NIL
Part- payment of up to 20 %of the outstanding principal amount will be
lallowed in each block of 1 year consisting of period between EMI1- 12, EMI
Part payment charges for Home equity loans and 13-24, EMI 25-36, EMI 37-48, EMI49-60, EMI 61-72, EMI 73-84, EMI85-96
(v
Commercial Property Purchase Recurring EMI97-108 and EMI 109-120 without any charges
2. Anything in excess of 20 %will attract a pre-payment penalty of 3% + GST
calculated on the excess amount, plus taxes as applicable.
The borrower shallhave an option to enhance the EMI or Tenor or both by
(vi) |Ateraion charges Recurring |submitting a request subject to a payment of Alteration Charge of 1000/- +
GST as on the date of submission of this request.
The borrower shall have an option to keep the interest rate of the loan fxed
for 39 months by submitting a request subject to a payment of FX Charge
{vi) Fixed ROl charges Recurring (Fixed ROICharge) of 0 75 percent +GST on the Outstand1ng Principal of his/
|her/their loan account as on the date of submission of this request
|More than once annually, duplicate statement
v)
isSuance charge Recurring R100/- per instance
ix IDuplicate amortization schedule issuance charge Recurring R100/- per instance
|issuance of photocapies of title documents Recurring R750/-per instance
5 of9 25-Jan-25, 4:20 PM
Anizkumaf.4
|l630000000115 Sanction letter with KES htips:/finpower ujjivansfb.in/lendperfect/home'proposaldataentry/byba..
Sepment Cancellation Charges
Semmfomal
(<25Lakh Loans)
Loan Cancellatton Charges One tinne Semi formal
(625Lakh Loans) 1%
Informal
HEL/Conmercial Purchase
Part 2 (0Other qualitative information)
Please refer to Sechon 5 clause 525 in the Master Terrns and Conditions dournent
Clause of Loan agreement relating to engagement of recovery displayed on the website link:
agents https//www. uJjvansfb in/sites/default/files/2023 8/Master Terms and Conditiors.
Housing loans Mortgages pdf
Please refer to the grievance redressal rmechanisn mentioned in the wetbsite
2
Clause of Loan agreement which details grievance redressal
mechanism |https//www.ujivansfb. in/sites/default/fles/2024 05/Website Display fscalation
Matrix-Grievance-Redressal. pdf
Principal Nodal Officer: Prasad Telakkadan
3
Phone number and email id of the nodal grievance redressal Email ID: pno com
loficer Telephone Number: 080-40712121 Ext 230
Whether the loan is, or in future maybe, subject to transfer to Yes, as per Bank's policy
other REs or securitisation (Yes/ No)
lin case of lending under collaborative lending arrangements
le g..co-lending/ outsourcing), following additional details may
be furnished
|Nameof the originating RE, along with its funding proportion NA
|Name of the partner RE along with its proportion of funding
lIn case of d1gital loans,following specific disclosures may be
furnished
Cooling off/look-up period, in terms of RE's board approved
policy, during which borrower shall not be charged any penalty NA
(0lon prepayment of loan
Details of LSP acting as recovery agent and authorized to
()
approach the borrower |NA
Illustration for computation of APR
Sr. No Parameter Details
1Sanctioned Loan amount (in Rupees) 980000
2Loan term (in years/ months/ days) 120 Months
2a)]No. of instalments for payment of principal, in case of non equated periodic loans INot Applicable
Type of EP! Monthly
2b)|Amount of each EPI(in Rupees) 15210/
nos. of EPls 120
2ci|No of instalments for payment of capitalised interest, if any |Not Applicable
Payable on the agreed due date of the month after the first
2d)|Commencement of repayments, post sanction
disbursement
3|interest rate type (fixed or floating or hybrid) Fixed for 39 months and floating thereafter
4Rate of Interest 13.99% %
Total interest Amount to be charged during the entire tenor of the loan as per the 845200
rate prevailing on sanction date (in Rupees)
6Fee/ Charges payable (in Rupees) 45004.18
A|Payable to the RE 23128
B|Payable to third-party routed through RE 21876.18
7|Net disbursed amount (1-6) (in Rupees) 934995 81
8|Total amount to be paid bythe borrower (sum of 1 and5) (in Rupees) 1825200
9lAnnual Percentage rate- Effective annualized interest rate (in percentage) 15.22
10Due date of payment of instalrnent and interest th day of subsequent month after first disbursment
Installment Outstanding Principal (In Principal (In Interest (In Installment (ln Start
Number Rupees) Rupees) Rupees) Rupees) OSP
980000 3566 11644 15210 976434
976434 4731 10479 15210 971703
3 971703 3664 11546 15210 968039
6 of 9 25-Jan-25. 4:20 PM
Anit konefe.
