KEY FACTS STATEMENT

Part 1 (Interest rate and fees/charges)

1. Loan proposal/ account No. Type of Loan

2. Sanctioned Loan amount (in Rupees)
3. Disbursal schedule
(i) Disbursement in stages or 100% upfront.
(ii) If it is stage wise, mention the clause of
loan agreement having relevant details
4. Loan term (year/months/days) _____________________ months
5. Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of repayment, post sanction

Monthly

6. Interest rate (%) and type

(fixed or floating or hybrid)
7. Additional Information in case of Floating rate of interest
Impact of change in
Reference Benchmark Spread (%) Final rate (%) Reset periodicity the reference benchmark
Benchmark rate (%) (B) (S) R=(B)+(S) (Months) (for 25 bps change
in ‘R’, change in:)
B S EPI (₹) No. of EPIs
Refer Loan Agreement Refer Loan Agreement
______________________ ______________________
______________________ ______________________
______________________ ______________________

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

(i) Credit Administration Fees

(ii) Processing fees One Time

(iii) Insurance charges One Time

(iv) Valuation fees NA NA

(v) Stamp Duty Fees One Time

(vi) Advance EMI

9. Annual Percentage Rate (APR) (%)

10. Details of Contingent Charges (in ₹ or %, as applicable) Note: GST shall be levied wherever applicable

(i) Penal charges, if any, in case of delayed payment ________ p.m. (________ p.a.) on the overdue amount for the delayed period
(ii) Other penal charges, if any
(a) Penal charges for non-compliance with material
terms and conditions (covenants / stipulated
conditions) mentioned in the Sanction Letter / Loan ___________ p.a. on the outstanding loan amount till the date of compliance
Agreement, wherever applicable

(b) Charges for Cancellation of Loan The applicable processing fee to be retained before reversing the funds
Cancellation fee of Rs. __________________________ will be levied.
Cancellation allowed within 15 days from the date of disbursal
(c) Cheque return/bounce charges / ECS/SI/NACH
failure charges Rs. _____________________________ per instance

(d) Part pre-payment charges For Term Loan:

Upto _____________ of the part pre-payment amount, subject to following:

Total of ____________________ of the Principal outstanding will be allowed

for part pre-payment twice during the tenor of loan
Part pre-payment amount shall be equal to or greater than total of 3 EMIs
No pre-payment is allowed in first 12 months from the date of disbursement

For Flexi Loan:

No charges for part pre-payments through mobile app/portal
Part pre-payment of loan facility toward limit reduction is not available
Part prepayment charges shall not be levied in the cases of floating rate
term loan sanctioned, for purposes other than business, to individual
borrowers with or without co-obligant(s).

(iii) Foreclosure charges, if applicable For Term Loan:

Upto _________________ of the Principal outstanding
For Flexi Loan:
Upto ________________ of the withdrawable amount
In case of loan with Fixed rate of interest, foreclosure is permitted only
after ______________ months from the date of disbursal of loan.
Foreclosure charges shall not be levied in the cases of floating rate term
loan sanctioned, for purposes other than business, to individual borrowers
with or without co-obligant(s).

(iv) Charges for switching of loans from floating to NA

fixed rate and vice versa
(v) Any other charges (please specify)

(a) Mandate Cancellation Charges

(One-time levied in case customer cancels an
active mandate instruction for recurring Rs. _____________________ + GST, if applicable
repayment(s) and no new mandate is registered ):
(b) Statement of Account/ Repayment Schedule /
any other document/statement For Physical copy Rs ________________________ per request

(c) Duplicate No Due Certificate issuance charges Rs. _____________________________ per instance

(d) No-Objection Certificate issuance charges Rs. _____________________________ per instance

(e) Charge For Exchanging PDCs,
Security Cheques (Per Set) / ECS / Rs. _____________________________ per instance
NACH Re-registration Charges
(f) EMI cycle change date
Rs. _________________________ per instance
Note: Interest accrued (from original EMI date to revised EMI date), if any,
on account of EMI date change shall be applicable and payable upfront over
and above the EMI change date charges

(g) Loan Re-schedulement charges (on request

from applicants, approval be at sole discretion Rs. _________________________ per instance
of ABFL)

(h) Annual Maintenance Charges For Flexi Loan:

Upto _______________________ on total withdrawable amount irrespective
of utilisation on the date of levy of such charges

(i) CIBIL report retrieval fee Rs. _____________________ per instance for Consumer and

Rs. _____________________ per instance for commercial CIBIL/Credit Report

(j) Stamp Duty As per actual, where applicable

(k) Legal and other statutory charges As per actual, where applicable

(l) Filing Financial information with Information As per actual, where applicable
Utility (NeSL)

(m) Broken Period Interest ABFL shall charge and collect BPI (Broken Period Interest)
As applicable based on actual disbursment date

(n) Cheque Re-issuance charges

Rs. _________________________ per instance

Part 2 (Other qualitative information)

1. Clause of Loan agreement relating to Engagement of recovery agents:

engagement of recovery agents In case of non-payment of the loan amount, interest, and other charges as per the
terms of the loan documents, the Lender reserves the right to engage recove
agents / service providers for the purpose of recovering any outstanding / overdue
amount and other charges. Lender or its authorized service provider(s) may approach
the borrower, co-borrower, and guarantor for the payment of the outstanding
/overdue amount and other charges, by way of call(s), SMS(s), email(s), and in person
visit(s), in accordance with the Fair Practice code stipulated by the Reserve Bank of
India. Not withstanding anything mentioned hereinabove, in the event of non-
payment of the outstanding/ overdue loan amount and other charges by the
borrower/ co-borrower/guarantor, the Lender may resort to legal recourse. The
Borrower agrees, confirms and understands that the Lender might resort to such
legal recourse either directly, or through the Lending Service Provider, or any of its
third party agents, officers or collections agencies.
The abovementioned clause can be referred in the Loan Agreement under
clause no. ________________________________________________
Details of recovery agent(s) authorized to approach the borrower
___________________________________________________________________________
2. Clause of Loan agreement which details Grievance Redressal Mechanism:
grievance redressal mechanism Customers who wish to provide feedback or send in their complaint may use the
following channels:
• Call at our Customer Care number between 9:00 am and 7:00 pm from
Monday to Sunday: ______________________________________
• Email at:
________________________________________________________________________
for raising Queries/Request
________________________________________________________________________
for raising Complaints
• Write to us at the below mentioned address:
________________________________________________________________________
________________________________________________________________________
‘Details of the Grievance Redressal Officer / Principal Nodal Officer along with the
details of escalation mechanism and the complaint lodging portal of the
Ombudsman are available on the website and branches of the Company.
For information on grievance redressal visit:
___________________________________________________________________________
The abovementioned clause can be referred in the Loan Agreement under
clause no. _________________________________________________________________

3. Phone number and email id of the nodal

grievance redressal officer Phone No: _________________________________________________________________
Email Id: ___________________________________________________________________
Whether the loan is, or in future maybe,
4. subject to transfer to other REs or Yes
securitisation (Yes/ No)

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

NA NA NA

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

Cooling off/look-up period, in terms of

i. RE’s board approved policy, during which NA
borrower shall not be charged any
penalty on prepayment of loan
Details of LSP acting as recovery
ii. agent and authorized to approach NA
the borrower
 Computation of APR
Sr Parameter Details
No
1. Sanctioned Loan amount (₹)
2. Loan Term (in years/ months/ days)
a) No. of instalments for payment of
principal, in case of non-equated periodic
loans
b) Type of EMI Monthly
Amount of each EPI (in Rupees) and
nos. of EPIs (e.g., no. of EMIs in case of
monthly instalments)
c) No. of instalments for payment of
capitalised interest, if any
d) Commencement of repayments, post
sanction ____________________ days
3. Interest rate type (fixed or floating or
hybrid)
4. Rate of Interest
5. Total Interest Amount to be charged during
the entire tenor of the loan as per the rate
prevailing on sanction date (₹)
6. Fee/ Charges payable (₹)
A Payable to the RE
B Payable to third-party routed through RE
7. Net disbursed/recieved amount (1-6) (₹)
8. Total amount to be paid by the borrower
(sum of 1 and 5) (₹)
9. Annual Percentage rate- Effective
annualized interest rate (%)
10. Schedule of disbursement as per terms and As per Terms and conditions/Special conditions
conditions mentioned in sanction letter
11. Due date of payment of instalment and
interest
 Repayment Schedule
Instalment Outstanding Principal Principal Interest Instalment
No. (in Rupees) (in Rupees) (in Rupees) (in Rupees)

This document is valid till _________________________

BL-KFS/VER1.1/NOV/2024/ABC

Aditya Birla Finance Ltd.

One World Center, Tower 1, 18th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400 013
Registered Office: Indian Rayon Compound, Veraval, Gujarat - 362 266
+91 22 4356 7100 | (F) +91 22 4356 7266 | CIN: U65990GJ1991PLC064603 | www.adityabirlafinance.com