KFS_AL-0000931278-Lead_20250223132040
Annex A
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan Proposal/ Account AL-0000931278-Lead Type of Loan Car Loan
No.
2 Sanctioned Loan amount(in Rupees) 685000
3 Disbursal Schedule 100% Upfront
(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) 60 Months
5 Installment Details
Type of installments Number of EPIs EPI(Rupees) Commencement of repayment, post
sanction
Monthly 60 14810
6 Interest Rate(%) and type (fixed or floating or hybrid) 10.75% Fixed
7 Additional Information Incase of Floating rate or interest
Reference Benchmark Spread (%)(S) Final Rate (%) Reset Impact of change in the refrence
Benchmark Rate(%)(B) R = (B)+(S)
Periodicity2 benchmark
(Months) (for 25 bps change in 'R',change in:)
B S EPI (Rupees) No. of EPIs
8 Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)
One-time/ Amount (in One- Amount (in
Recurring Rupees) or time/Recurring Rupees) or
Percentage Percentage
(%) as applicable (%) as applicable
(i) Processing fees One-Time 4650
(ii) insurance charges One-Time 0
(iii) Valuation fees One-Time 0
(iv) Any Other (Stampduty) One-Time 2000
(v) Any Other (Documentation Charges) One-Time 350
9 Annual Percentage Rate(APR)(%) 10.75%
10 Details of contingent Charges(in Rupees or %, as per applicable)
(i) Penal charges, if any, in case of delayed Payment 2% per month on unpaid EMI + Taxes
(ii) Other Penal charges, if any
(iii) Foreclosure charges, if applicable Loan Repayment Charges
Within 6 Months from 1st EMI 6% + Taxes
Within 07 to 24 from 1st EMI 5% + Taxes
After 24 Months from 1st EMI 3% + Taxes
(iv) Charges for switching of loans from floating to fixed and vice
versa
(v) Any Other charges(Please specify)
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Part 2(Other qualitative information)
1 Clause of Loan agreement relating to Clause 11.2
engagement of recovery agents
2 Clause of Loan agreement which details https://www.toyotafinance.co.in/grievance/
grievance redressal mechanism
3 Phone number and emailid of the nodal customerfirst@tfsin.co.in
grievance redressal officer 1800 309 9778
4 Whether the loan is, or in future maybe, subject
to transfer 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 Name of partner RE, along Blended rate of interest
with its funding porportion with its porportion of funding
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 charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and https://www.toyotafinance.co.in/collection-agency-list/
authorized to approach the borrower
Note:
1.Changes in charges from time to time are updated on TFSINs website.
Please visit https://www.toyotafinance.co.in/downloads/schedule-of-charges.pdf.
Customers will be notified in advance of any changes to charges.
2. The Rate of interest would be varied for each borrower depending on the borrower's profile. For details of interest gradation
Approach. Please visit https://www.toyotafinance.co.in/interest-rates/.
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Annex B
Illustration for computation of APR for Retail and MSME loans
Sr. Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) 685000
2 Loan Term (in years/ months/ days) 60 Months
a) No. of instalments for payment of principal, in case of non- equated 60
periodic loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and 14810
nos. of EPIs (e.g., no. of EMIs in case of monthly 60
instalments)
c No. of instalments for payment of capitalised interest, if any
d Commencement of repayments, post sanction
3 Interest rate type (fixed or floating or hybrid) Fixed
4 Rate of Interest 10.75% Fixed
5 Total Interest Amount to be charged during the entire tenor 203600
of the loan as per the rate prevailing on sanction date (in
Rupees)
6 Fee/ Charges payable (in Rupees) 7000
A Payable to the RE 7000
B Payable to third-party routed through RE 0
7 Net disbursed amount (1-6) (in Rupees) 678000
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 888600.0
9 Annual Percentage rate- Effective annualized interest rate (in percentage) 10.75%
10 Schedule of disbursement as per terms and conditions Please refer
repayment
schedule as
Annexure C
11 Due date of payment of instalment and interest Please refer
repayment
schedule as
Annexure C
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Annexure - C
Illustrative Repayment Schedule under Equated Periodic Instalment for the
hypothetical loan illustrated in Annex B
Instalment Outstanding Principal (in Principal (in Rupees) Interest (in Rupees) Installment (in Rupees)
No. Rupees)
1 685,000.00 8,672.00 6,136.00 14,808.00
2 676,328.00 8,750.00 6,059.00 14,808.00
3 667,579.00 8,828.00 5,980.00 14,808.00
4 658,751.00 8,907.00 5,901.00 14,808.00
5 649,844.00 8,987.00 5,822.00 14,808.00
6 640,857.00 9,067.00 5,741.00 14,808.00
7 631,790.00 9,149.00 5,660.00 14,808.00
8 622,641.00 9,230.00 5,578.00 14,808.00
9 613,411.00 9,313.00 5,495.00 14,808.00
10 604,098.00 9,397.00 5,412.00 14,808.00
11 594,701.00 9,481.00 5,328.00 14,808.00
12 585,220.00 9,566.00 5,243.00 14,808.00
13 575,654.00 9,651.00 5,157.00 14,808.00
14 566,003.00 9,738.00 5,070.00 14,808.00
15 556,265.00 9,825.00 4,983.00 14,808.00
16 546,440.00 9,913.00 4,895.00 14,808.00
17 536,527.00 10,002.00 4,806.00 14,808.00
18 526,525.00 10,092.00 4,717.00 14,808.00
19 516,434.00 10,182.00 4,626.00 14,808.00
20 506,252.00 10,273.00 4,535.00 14,808.00
21 495,979.00 10,365.00 4,443.00 14,808.00
22 485,613.00 10,458.00 4,350.00 14,808.00
23 475,155.00 10,552.00 4,257.00 14,808.00
24 464,604.00 10,646.00 4,162.00 14,808.00
25 453,957.00 10,742.00 4,067.00 14,808.00
26 443,216.00 10,838.00 3,970.00 14,808.00
27 432,378.00 10,935.00 3,873.00 14,808.00
28 421,443.00 11,033.00 3,775.00 14,808.00
29 410,410.00 11,132.00 3,677.00 14,808.00
30 399,279.00 11,231.00 3,577.00 14,808.00
31 388,047.00 11,332.00 3,476.00 14,808.00
32 376,715.00 11,434.00 3,375.00 14,808.00
33 365,282.00 11,536.00 3,272.00 14,808.00
34 353,746.00 11,639.00 3,169.00 14,808.00
35 342,106.00 11,744.00 3,065.00 14,808.00
36 330,363.00 11,849.00 2,959.00 14,808.00
37 318,514.00 11,955.00 2,853.00 14,808.00
38 306,559.00 12,062.00 2,746.00 14,808.00
39 294,497.00 12,170.00 2,638.00 14,808.00
40 282,327.00 12,279.00 2,529.00 14,808.00
41 270,048.00 12,389.00 2,419.00 14,808.00
42 257,658.00 12,500.00 2,308.00 14,808.00
43 245,158.00 12,612.00 2,196.00 14,808.00
44 232,546.00 12,725.00 2,083.00 14,808.00
45 219,821.00 12,839.00 1,969.00 14,808.00
46 206,982.00 12,954.00 1,854.00 14,808.00
47 194,028.00 13,070.00 1,738.00 14,808.00
48 180,958.00 13,187.00 1,621.00 14,808.00
49 167,771.00 13,305.00 1,503.00 14,808.00
50 154,465.00 13,425.00 1,384.00 14,808.00
51 141,041.00 13,545.00 1,263.00 14,808.00
52 127,496.00 13,666.00 1,142.00 14,808.00
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53 113,830.00 13,789.00 1,020.00 14,808.00
54 100,041.00 13,912.00 896.00 14,808.00
55 86,129.00 14,037.00 772.00 14,808.00
56 72,092.00 14,162.00 646.00 14,808.00
57 57,930.00 14,289.00 519.00 14,808.00
58 43,641.00 14,417.00 391.00 14,808.00
59 29,223.00 14,547.00 262.00 14,808.00
60 14,677.00 14,677.00 131.00 14,808.00
The repayment schedule outlined is subject to modification based on the final loan approval date. Any changes to the repayment
schedule will be communicated, and the revised schedule will become effective upon such notification.
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