General Details

1 Date of KFS (T) 23/02/2025

2 Name of Regulated Tata Capital Limited (TCL)
Entity (RE)/ Lender

3 KFS Validity T + 3 Working Days

4 Details of the a) Name of Borrower DEVARAJAN
Borrower/s and Co-
b) Constitution Individual
Borrower/s
c) Address
3 KARUMARIYAMMAN KOIL 1st CROSS STREET Molachur Kancheepuram Tamil

adu 602106
a) Name of Co-
Borrower
b) Constitution
c) Address

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ Type of Loan
account No. / Unique 842PZ8614020_2302_0818 Personal Loan
Proposal Number
2 Sanctioned Loan
Rs. 1013617
amount (in Rupees)
3 Disbursal Schedule
(i) Disbursement in
stages or 100%
upfront.
100 % Upfront
(ii) If it is stage wise,
mention the clause of
loan agreement having
relevant details
4 Loan Term
60 months
(year/months/days)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of Repayment, post sanction

Monthly 60 24114 03/04/2025

6 Interest rate (%) Interest Type (fixed
15.0% or floating or Fixed
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) (S) Final rate (%) R Reset Impact of change in the reference benchmark (for
Benchmark rate (%) (B) = (B) + (S) periodicity 25 bps change in ‘R’, change in:)
(Months)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL (A) Payable to a third party through TCL (B)
One-time/ Amount (in ₹) One-time/ Recurring Amount (in ₹) or Percentage
Recurring or Percentage (%) as applicable
(%) as
applicable
(i) Processing fees NA
One-time 2 %(Rs. 20000) NA
(ii) Insurance charges
a) Life Insurance
NA NA One-time Rs. 11540
Premium
b) General Insurance
NA NA One-time
Premium
c) Health Insurance
NA NA One-time
Premium
(iii) Valuation fees
NA NA NA NA
(iv) Any other
a) Stamp Duty NA
NA One-time Rs. 1000
b) Broken Period Interest
One-time Rs. 4223 NA NA
c) One Assist Plan
NA NA One-time Rs. 0
Amount
d) IHO Plan Amount
NA NA One-time Rs. 0
e) CPP Plan Amount NA NA One-time Rs. 0
f) TATA AIG 360 Amount NA NA One-time
g)
h)
9 Annual Percentage
16.95 %
Rate (APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, For default in payment of interest and/ or principal amounts – 3% per month on defaulted amount
in case of delayed (Annualized Penal Charge of 36%)
payment
(ii) Other penal charges, if
any
a) For Dishonour of
Cheque/ Payment Rs. 600/- per instrument per instance
Instrument/ Mandate
b) For Mandate Rejection Rs. 450/-
(Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of
previous mandate form by Borrower’s bank for any reasons whatsoever.)
(iii) Foreclosure charges, if Lock-in Period: 12 months from the date of first disbursement
applicable Foreclosure charges on Term Loan Facility:
a) 4.5% on the principal outstanding at the time of foreclosure.
b) In case the Borrower forecloses the Facility within 12 months after doing part-prepayment,
foreclosure charges of 4.5% will be levied on the principal outstanding plus part prepayment amount.
c) Any prepayment/foreclosure made during the Lock-in period will attract additional 2% over and
above the prepayment/ foreclosure charges mentioned in (a) above on the principal outstanding at
the time of foreclosure.
Foreclosure charges on Top-up:
a) 2.50% on the principal outstanding at the time of foreclosure.
b) Foreclosure charges shall be levied only if new rate is lower than existing rate.
c) Any prepayment/ foreclosure made during the Lock-in Period will attract prepayment/ foreclosure
charges of 4.5% on the principal outstanding.
Foreclosure Charges in Dropline Facility:
a) 4.5% on the Dropped down limit amount.
b) Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2% over and
above the prepayment/ foreclosure charges mentioned in (a) above on the Dropped down limit
Part Prepayment:
A part prepayment charge of 4.5% shall be applicable on the part prepayment amount
a)
b) Any part prepayment made during the Lock-in period will attract additional 2% over and above the
part prepayment charges mentioned in (a) above
c) No part prepayment charges shall be applicable on payment of upto 25% of disbursed Loan Amount
during the entire loan tenure.
(iv) Charges for switching
of loans from floating
to fixed rate and vice NA
versa
(v) Any other charges
a) Payment Instruments Rs. 550/- per instance
Swapping Charges
b) Cancellation Charges 2% of the Loan Amount/ Facility amount OR
 Rs. 5750/-
Whichever is higher
c) Duplicate Repayment Rs. 550/-
Schedule
d) Duplicate NOC Rs. 550/-
e) Statement of Account Customer Portal – Nil
(SOA) Branch walk-in – Rs. 250/-
f) Foreclosure Report Customer Portal – Nil
Branch walk-in – Rs 199/-
g) Annual Maintenance 0.25% on Dropline Amount or Rs.1000, (whichever is higher) per year will be deducted from the limit and
Charges for PL shall be payable at the end of the 13th month.
Overdraft (Dropline
facility)
h)
i)

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of Please refer to the Clause ‘Miscellaneous Terms’ in the Specific
recovery agents Agreement/Terms and Conditions
2 Clause of Loan agreement which details grievance redressal Please refer to the Clause ‘Miscellaneous Terms’ in the Specific
mechanism Agreement/Terms and Conditions
3 Phone number and email id of the nodal grievance redressal Name Ms. Francyna Dias
officer Phone No 18602676060
Email ID seniorcroretail@tatacapital.com

4 Whether the loan is, or in future maybe, subject to transfer

Yes
to other REs or 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 with Name of the partner RE along with its proportion of Blended rate of interest
its funding proportion funding
NA NA NA
6 In case of digital loans, following specific disclosures may be furnished:
(i) Cooling off/look-up period, in terms of RE’s board
approved policy, during which borrower shall not be 3 days from the date of loan disbursal
charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized
NA
to approach the borrower

Notes:

 The amounts are net of taxes such as GST, etc.

 GST, other Government taxes and levies as applicable, will be payable on all fees and charges in this document.
 Broken Period Interest amount and 1st EMI date depend on the Disbursement Date and the final figures would be mentioned
in the Welcome Letter and Repayment Schedule.
 Net Disbursed Amount may change if there is a difference in agreement execution date and actual loan disbursal date on
account of change in Broken Period Interest or any changes opted post execution of the Agreement.
 For facilities which are in the nature of revolving line of credits, the repayment schedule and the APR are calculated assuming
customer has utilised 100% amount on the day of disbursal.
 For the APR, please refer the calculation of APR given below.
 Benefits like Overdraft:
o Disbursement would be post deduction of processing fee, insurance charges and any other applicable charges.
o In case of Overdraft facility customer needs to pay interest on the limit utilized for the first 12 months (or as may be
applicable). Drop Down will start from the 13th month (or as may be applicable) onwards. The principal due amount
as applicable along with the interest on the limit utilized would be repaid by the Borrower/s on the due date as
applicable of every month.
 Any revision in charges shall be updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the
Borrowers.
 Annex B

Computation of APR

Sr. Parameter Details

No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS –
Rs. 1013617
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS –
60 months
Part 1)
a) No. of instalments for payment of principal, in case of
NA
non-equated periodic loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and Rs. 24114
Nos. of EPIs (Sl No. 5 of the KFS – Part 1) 60
c) No. of instalments for payment of capitalised interest, if
NA
any
d) Commencement of repayments, post sanction (Sl No. 5 of
03/04/2025
the KFS – Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of
Fixed
the KFS – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1)
15.0 %
5 Total Interest Amount to be charged during the entire
tenor of the loan as per the rate prevailing on sanction Rs. 433216
date (in Rupees)
6 Fee/ Charges payable (in Rupees)
Rs. 42440
A Payable to TCL (Sl No.8A of the KFS -Part 1)
Rs. 24223
B Payable to third-party routed through TCL (Sl No.8B of the
Rs. 12540
KFS – Part 1)
C Total GST on all the fees and charges
Rs. 5677
7 Net disbursed amount (1-6) (in Rupees)
Rs. 971177
8 Total amount to be paid by the borrower (sum of 1 and 5)
Rs. 1446833
(in Rupees)
9 Annual Percentage rate- Effective annualized interest rate
16.95%
(in percentage) (Sl No.9 of the KFS -Part 1)
10 Schedule of disbursement as per terms and conditions
Refer Repayment Schedule
11 Due date of payment of instalment and interest 3rd of every month
 Repayment Schedule

Outstanding Principal(in Interest(in Installment(in

Installment No. Principal(in Rupees) Rupees) Rupees)
Rupees)
1 1,013,617 11,444 12,670 24,114
2 1,002,173 11,587 12,527 24,114
3 990,587 11,732 12,382 24,114
4 978,855 11,878 12,236 24,114
5 966,977 12,027 12,087 24,114
6 954,950 12,177 11,937 24,114
7 942,773 12,329 11,785 24,114
8 930,444 12,483 11,631 24,114
9 917,961 12,639 11,475 24,114
10 905,321 12,797 11,317 24,114
11 892,524 12,957 11,157 24,114
12 879,567 13,119 10,995 24,114
13 866,447 13,283 10,831 24,114
14 853,164 13,449 10,665 24,114
15 839,715 13,617 10,496 24,114
16 826,097 13,788 10,326 24,114
17 812,310 13,960 10,154 24,114
18 798,350 14,135 9,979 24,114
19 784,215 14,311 9,803 24,114
20 769,904 14,490 9,624 24,114
21 755,414 14,671 9,443 24,114
22 740,743 14,855 9,259 24,114
23 725,888 15,040 9,074 24,114
24 710,848 15,228 8,886 24,114
25 695,619 15,419 8,695 24,114
26 680,201 15,611 8,503 24,114
27 664,589 15,807 8,307 24,114
28 648,783 16,004 8,110 24,114
29 632,779 16,204 7,910 24,114
30 616,575 16,407 7,707 24,114
31 600,168 16,612 7,502 24,114
32 583,556 16,819 7,294 24,114
33 566,737 17,030 7,084 24,114
34 549,707 17,243 6,871 24,114
35 532,465 17,458 6,656 24,114
36 515,007 17,676 6,438 24,114
37 497,330 17,897 6,217 24,114
38 479,433 18,121 5,993 24,114
39 461,312 18,347 5,766 24,114
40 442,965 18,577 5,537 24,114
41 424,388 18,809 5,305 24,114
42 405,579 19,044 5,070 24,114
43 386,535 19,282 4,832 24,114
44 367,252 19,523 4,591 24,114
45 347,729 19,767 4,347 24,114
46 327,962 20,014 4,100 24,114
47 307,948 20,265 3,849 24,114
48 287,683 20,518 3,596 24,114
49 267,165 20,774 3,340 24,114
50 246,391 21,034 3,080 24,114
 51 225,357 21,297 2,817 24,114
52 204,060 21,563 2,551 24,114
53 182,497 21,833 2,281 24,114
54 160,664 22,106 2,008 24,114
55 138,559 22,382 1,732 24,114
56 116,177 22,662 1,452 24,114
57 93,515 22,945 1,169 24,114
58 70,570 23,232 882 24,114
59 47,338 23,522 592 24,114
60 23,816 23,816 298 24,114
Total 1,013,617 433,216 1,446,833
Note:

The Repayment Schedule and its figures and calculation are as on 23/02/2025 and may

vary based on the applicable date of disbursement. I confirm that I have thoroughly read

and understood the Key Facts Statement

DEVARAJAN

Borrower Co-Borrower