Key Fact Statement

S.No. Parameters Details

(I) Name KULVINDER SINGH

(II) Loan Amount ₹ 45,000.00

(III) ROI (in % per month) 8.00 (On Reducing Balance)

(IV) Loan Tenure (in months) 3

(V) Repayment frequency Monthly

(VI) No of equated monthly installment (EMI) 3

(VII) EMI Amount 17462

(VIII) EMI Due Date 01th of Month

Will be covered in the EMI Schedule attached with this

(IX) Amortization Schedule / Breakup of Principal & Interest
document

(X) *Date of commencement of EMI 01-02-2025

(XI) Total interest charge during the entire Tenure of the loan ₹ 7384

(XII) Loan Processing Fee (Including 18% GST) ₹ 5,310.00

(VI) Insurance charges, if any (in ₹) Nil

(VII) Others (if any) (in ₹) Nil

(VIII) Pre-EMI Interest (days) 1

(IX) Pre-EMI Interest (₹) 118

Net disbursed amount (Loan Amount – Processing Fee

(X) ₹ 39,572.00
including GST – Pre EMI interest)

Total Loan Amount to be paid (Principal amount +

(XI) ₹ 52,385.00
Interest amount )

Annual Percentage Rate - Effective annualized interest

(XII) 96
rate (in %)

Details about Contingent Charges

(XIII) Penal charges in case of prepayment of loan NIL

(XIV) Penal charges in case of delay payments (if any) 0.25% per day on EMI amount

(XV) Cheque and NACH Bouncing Charges (₹) ₹ 1000.00 per bouncing/dishonour

Other Disclosures

Cooling off/look-up period during which borrower shall

(XVI) 3 Days
not be charged any penalty on prepayment of loan

TARUN KUMAR SAXENA

Name, designation, Address and phone number of nodal
Mobile:+91-8282824-644
(XVII) grievance redressal officer designated specifically to deal
Address: Third floor, Plot no 498, Udyog Vihar Phase 3,
with FinTech/ digital lending related complaints/ issues
Gurugram, Haryana, 122016

*Pre-EMI interest will be charged for number of days between loan disbursement date to EMI commencement date.
Date : 31-01-2025
To,
Mr. KULVINDER SINGH.
S-1/174SF OLD NO WZ-68D PLOT NO-4, OLD
MAHAVIR NAGAR TAGOR GARDAN DELHI
GOVT.SCHOOL
New Delhi, Delhi - 110018.
Contact No. : +91-7240042031
Thank you for showing your interest in Rupee112 and giving us an opportunity to serve you.
We are pleased to inform you that your loan application has been approved as per the below mentioned terms and
conditions.
Rupee112, through its Digital Lending Partner - NBFC : SOLOMON CAPITALS PRIVATE LIMITED (RBI
registered NBFC – Reg No. N-14.03320)
Third floor, Plot no 498, Udyog Vihar Phase 3, Gurugram, Haryana, 122016
This sanction will be subject to the following Terms and Conditions:

Customer Name : KULVINDER SINGH

Sanctioned Loan Amount (Rs.) : 45,000.00/-

Rate of Interest (%) per month : 8.00

Date of Sanction : 31-01-2025

Total Repayment Amount (Rs.) : 52,385.00/-

Tenure in Months : 3

EMI Commencement Date : 01-02-2025

Penal Interest(%) : 0.25 per day

Processing Fee (Rs.) : 5,310.00/- (Including 18% GST)

Repayment Cheque(s) : -

Cheque drawn on (name of the Bank) : -

Cheque and NACH Bouncing Charges (Rs.) : 1,000.00/- per bouncing/dishonour.

Annualised ROI (%) : 96

Henceforth visiting (physically) your Workplace and Residence has your concurrence on it.
Kindly request you to go through above mentioned terms and conditions and provide your kind acceptance over E-
mail so that we can process your loan for final disbursement.
Best Regards
Team Rupee112
(Digital Lending Partner - SOLOMON CAPITALS PRIVATE LIMITED)
Kindly Note:
Beware of fraud! Always use our secure Repayment Website for loan payments. Do not make direct bank
payments. Rupee112 is not responsible for payments made to other accounts.
Non-payment of loan on time will adversely affect your Credit score, further reducing your chances of getting loan
again.
Upon approval the processing fee will be deducted from your Sanction amount and balance amount will be
disbursed to your account.
This Sanction letter is valid for 24 Hours only.
You can Prepay/Repay the loan amount using our link https://www.rupee112.com/repay-loan
 498,FIRST FLOOR, UDYOG VIHAR PHASE 3, GURUGRAM, HARYANA 122016
+91-911253-9112 info@rupee112.com www.rupee112.com

EMI Schedule

EMI No. EMI Date EMI Installment Principle Interest

1 01-March-2025 17462 13862 3600
2 01-April-2025 17462 14970 2491
3 01-May-2025 17462 16168 1293
 TERMS AND CONDITIONS

The Borrower confirms to have read and understood these Terms of Agreement before accepting a personal
loan (“Loan”) offer with us. By clicking on the "eSign" button, the Borrower shall be deemed to have
electronically accepted these Terms of Agreement. To the extent of any inconsistency, these Terms of
Agreement shall prevail.

1. The Loan shall carry a fixed rate of interest specified at the time of applying for the loan.
2. The Loan amount shall be disbursed, after debiting processing fees, in Borrower’s account only with the
Bank on accepting the Personal Loan Terms of Agreement.
3. The repayment amount shall consist of principal and interest components. The Borrower confirms to
repay the repayment amount on the specified repayment date.
4. If repayment is not done by the specified date, the Borrower will be liable for penal interest.
5. If any repayment cheque is not honored, the Borrower will be liable for dishonor charges and penal
interest.
6. The Borrower agrees to pay the processing fee, payment dishonor charges, etc.
7. Any overdue payment incurs interest at the penal interest rate (which is higher than the usual interest
rate). We may change the interest rate if required by the statutory/regulatory authority.
8. The Borrower agrees that fees and charges specified may be revised from time to time and binding on
the Borrower.
9. The Borrower agrees to pay applicable Goods and Service Tax.
10. Any dispute, difference or obligations arising out between, or under or in connection with this agreement/
Key fact Sheet( KFS) or loan or document, the parties hereto agree that all disputes or differences arising
out of and/or relating to or in connection with the Loan or any other document shall subject to the
exclusive jurisdiction of the courts at Grugram (Haryana) only.

Borrower Representations – The Borrower represents and covenants that the Borrower:

● will use the Loan amount for legitimate purposes.

● will not use the Loan for any speculative, antisocial, or prohibited purposes. If the Loan funds
have been used for purposes as stated above, we shall be entitled to do all acts and things
that we deem necessary to comply with its policies. The Borrower agrees to bear all costs
and expenses incurs as a result thereof.
● shall notify, within 7 calendar days, if any information given by the Borrower changes. In the
specific event of a change in address due to relocation or any other reason, the Borrower
shall intimate the new address as soon as possible but no later than 15 days of such a
change.
● information of the Borrower with us is correct, complete, and updated.
● has read and understood the Privacy Policy available on our website.

Notice – We may send Loan-related notices, statements, or any other communication to the Borrower
by in-app messages, short message system (SMS), Whatsapp messaging service, electronic mail,
ordinary prepaid post, or personal delivery to Borrower’s registered communication address.
Communication and notices sent by in-app messages/facsimile/SMS/email will be considered to have
been sent and received by the Borrower on the same day irrespective of carrier delays. Communication
and notices sent by pre-paid mail will be considered to have been delivered on the day immediately
after the date of posting.
Consent to Disclose

● The Borrower has no objection in and gives consent for sharing Loan details including
Borrower’s personal details to branches, affiliates, services providers, agents, contractors,
surveyors, agencies, credit bureaus, etc. in or outside India, to enable us to provide services
under the arrangement with the third parties including customized solutions and marketing
services. The Borrower confirms that the authorization given above shall be valid till written
communication of withdrawal of Borrower’s consent is acknowledged by us.
● The Borrower understands and accepts the risks involved in sharing personal information
including sensitive personal information like account details with a third party.
● The Borrower consents to share Borrower’s personal information with third parties for
processing, statistical or risks analysis, conducting credit or anti-money laundering checks,
designing financial services or related products, marketing financial services or related
products, customer recognition on our website/app, offering relevant product and service
offers to customers, etc.
● The Borrower agrees that we may disclose Borrower’s information to the Reserve Bank of
India, other statutory/regulatory authorities, arbitrator, credit bureaus, local authorities,
credit rating agency, information utility, marketing agencies, and service providers if
required.
● The Borrower authorizes to provide monthly details of the Loan Account and the credit
facilities extended to the Borrower to credit information companies. We may obtain
information on credit facilities availed by the Borrower from other financial institutions to
determine whether we can extend additional credit facilities. On the regularization of the
Borrowers account, we will update the credit information companies accordingly.
● The Borrower authorizes to verify any of the information of the Borrower including
Borrower’s credit standing from anyone we may consider appropriate including credit
bureaus, local authority, credit rating agencies etc.
● The Borrower authorizes us to inform Borrower’s employer of any default in repayment and
agrees to do things necessary to fulfill Borrower’s obligations.
● Our records about the Loan shall be conclusive and binding on the Borrower.
● In case of default in repayment of the Loan amount, Borrower authorizes us and our
collection assistance specialist engaged, to contact Borrower over phone, office or visit
Borrower’s residence or such other place where Borrower is located.

Effective Date – These Terms of Agreement shall be effective from the date of disbursal of the loan
amount.

Assignment – The Borrower agrees that, with or without intimation to the Borrower, be authorized to
sell and /or assign to any third party, the Loan and all outstanding dues under this Agreement, in any
manner, in whole or in part, and on such terms as we may decide. Any such sale or assignment shall
bind the Borrower, and the Borrower shall accept the third party as its sole creditor or creditor jointly
with us and in such event, the Borrower shall pay us or such creditor or as we may direct, the
outstanding amounts due from the Borrower under this Agreement.

Governing Law & Jurisdiction – The Loan shall be governed by the laws of India and all claims and
disputes arising out of or in connection with the Loan shall be settled by arbitration. Any arbitration
award/ direction passed shall be final and binding on the parties. The language of the arbitration shall
be English/Hindi and the venue of such arbitration shall be in New Delhi.