Version no and Date: 3/Apr 07, 2025 Annex A

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan Proposal/ account 3000123569 Type of Loan HOME LOAN

No. PURCHASE _ New -
HOME LOAN_AHF
2 Sanctioned Loan amount (in Rupees) 4500000
3 Disbursal schedule1 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) 120 (Months)
5 Instalments detail
Type of instalments Number of EPIs EPI (Rs.) Commencement of repayment, post
sanction
Monthly 120 (Months) 59219.00 2 months from the date of disbursement
6 Interest rate (%) and type (fixed or floating or 9.9 % and Floating
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) Final rate Reset Impact of change in the
Benchmark rate (%) (B) (S) (%) R = periodicity reference benchmark (for 25
(B) + (S) (Months) bps change in 'R'2)
Change in EPI Change in tenure
ABHFL Reference 15.4% -5.50% 9.9 B S EPI (Rs.) No. of EPIs
Rate - 59843 122
$kfsProductHelper.
abhflbenchmark
8 Fee / Charges
Payable to the RE Payable to a third party through RE (B)
(A)
One- Amount (in One time Amount (in Rs.) or
time/ Rs.) o r /Recurring Percentage (%) as
Recurring Percentage applicable
(%) as
Applicable
(i) Processing fees One-time 30527
(ii) Insurance Charges
(iii) Valuation fees
(iv) CERSAI One time 118
(v) IMGC One time 0.0
(vi) E-agreement Execution Charges One time
(vii) Lien Marking One time
(viii) Mutation Charges One time
(ix) Credit Enhancement charges One time
9 Annual Percentage Rate (APR) (%) 10.06
10 Details of Contingent Charges (in Rs. or %, as applicable)
(i) Penal charges, if any, in case of delayed payment 12% p.a. above current applicable
interest rate (aggregate not
exceeding 24% p.a. plus GST as per
applicable laws
(ii) Other penal charges, if any 1. Non- submission of Critical Post
Disbursement Documents like Title
document / Security perfection
documents / Mortgage Deed /
charge creation with MCA
 (wherever applicable) or non-
adherence to any terms and
conditions, representations and
covenants as defined in the loan
agreement / sanction letter within
the targeted date of submission. -
Rs. 3000/- per month
2. Non-submission of revised NACH
/ ECS Debit Mandate registration
wherever existing mandate is
invalid / inactive /bank account
closed or frozen / other technical
issue for a period of 30 days - Rs.
1000/- per month in case of
secured loans
(iii) Foreclosure charges, if applicable Not Applicable
(iv) Charges for switching of loans from floating to fixed rate and vice versa 2% of the principal
outstanding plus
applicable GST.
(v) Any other charges (pls specify)
1.Pre-closure statement charges Rs 1,000/- per loan
account
2. Original document retrieval charges post loan closure Rs 1,000/- per loan
account
3. Request for Copies of any collateral held with ABHFL Rs 750/- per instance
4. Request for duplicate Account Statement/ Repayment Schedule / Rs 200/- per loan
any other document (except collaterals) account
5. Charge For Exchanging NACH mandate Rs 750/- per instance
per loan account
6. Bureau report retrieval fee Rs 50/- per instance for
Consumer and Rs. 500/-
for Commercial Bureau
7. Conversion Charges at the request of the customer 1. Revision of rate within
the same Interest type:
1000/- plus applicable
GST per loan account on
every rate revision
2.Loan Reschedulement
Charges (Change in EMI/
tenor as per eligibility
norms): 0.5% of principal
outstanding plus
applicable GST
3.Switch from Fixed rate
to floating rate and vice-
versa: 2% of the principal
outstanding plus
applicable GST.
8. NOC issuance charges Rs 500/- per instance
9. Stamp duty/ Legal/ Insurance Premium / Creation of ROC As per actual, where
applicable
1. This information is assuming that full loan amount is disbursed.

2. The changes in EMI and / or tenor shown is an illustrative impact assuming the change in the
reference benchmark (ARR) by 25bps. The impact is subject to change depending upon the actual
change in ARR. Actual change in ARR will be communicated to you in line with the applicable
Regulations.

Part 2 (Other qualitative information)

1Clause of Loan agreement relating to ABHFL/ Lender shall be entitled to appoint/ engage
engagement of recovery agents various agencies and the agents/ employees of the
concerned agencies to act as recovery agents in
accordance with Applicable laws, RBI regulations and
internal policies in relation thereto. The Borrower(s)
hereby acknowledges and accepts the said engagement
of recovery agents when appointed, not dispute the said
engagement for any reason whatsoever and agrees to
cooperate with the said recovery agents and its
officials/ agents/ employees/ vendors.
2 Clause of Loan agreement which details Kindly refer section Grievance Redressal Mechanism in
grievance redressal mechanism "Annexure D"
3 Phone number and email id of the nodal Ph. No.: 08045860159 Email Id: ABHFL.
grievance redressal officer grievancehead@adityabirlacapital.com
4 Whether the loan is, or in future maybe, YES
subject to transfer to other REs or
securitization (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 its Name of the partner RE along with its Blended rate of
funding proportion proportion of funding interest
Not applicable Not applicable Not applicable
6 In case of digital loans, following specific disclosures may be furnished:
i. Cooling off/look-up period, in terms of RE's board Not applicable
approved policy, during which borrower shall not
be charged any penalty on prepayment of loan
ii. Details of LSP acting as recovery Not applicable
agent and authorized to approach the borrower
 ANNEX B

Illustration for computation of APR for Retail and MSME loans

Sr. Parameter Details

No.
1 Sanctioned Loan amount (in Rupees) ( SI no. 2 of the KFS template- Part 4500000
1)
2 Loan Term (in years/ months/ days) (SI No.4 of the KFS template- Part 1) 120 (Months)
a) No. of instalments for payment of principal, in case of non - equated Not applicable
periodic loans.
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and
nos. of EPls (e.g., no. of EMls in case of monthly instalments) 59219.00
(SI No. 5 of the KFS template- Part 1) 120 (Months)
c) No. of instalments for payment of capitalised interest, if any Not applicable
d) Commencement of repayment post sanction (SI No. 5 of the KFS 2 months from the
template- Part 1) date of disbursement
3 Interest rate type (fixed or floating or hybrid) (SI No. 6 of the KFS Floating
template- Part 1)
4 Rate of interest (SI No. 6 of the KFS template- Part 1) 9.9%
5 Total Interest Amount to be charged during the entire tenor of the loan as 2606366
per the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 30645
A Payable to the RE (SI No.8A of the KFS template-Part 1) 30645
B Payable to third-party routed through RE (SI No.8B of the KFS template - 0.0
Part 1)
7 Net disbursed amount (1-6) (in Rupees) 4469355
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 7106366
9 Annual Percentage rate- Effective annualized interest rate (in 10.06
percentage) (SI No.9 of the KFS template-Part 1)
10 Schedule of disbursement as per terms and conditions Please refer Annex C
11 Due date of payment of instalment and interest 3rd of each month
 Annex C

Illustrative Repayment Schedule1 under Equated Periodic Instalment for the hypothetical loan
illustrated in Annex B

Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

1 4477906 22094 37125 59219

2 4455630 22276 36943 59219
3 4433170 22460 36759 59219
4 4410525 22645 36574 59219
5 4387693 22832 36387 59219
6 4364673 23020 36199 59219
7 4341463 23210 36009 59219
8 4318062 23401 35818 59219
9 4294468 23594 35625 59219
10 4270679 23789 35430 59219
11 4246694 23985 35234 59219
12 4222511 24183 35036 59219
13 4198128 24383 34836 59219
14 4173544 24584 34635 59219
15 4148757 24787 34432 59219
16 4123766 24991 34228 59219
17 4098569 25197 34022 59219
18 4073164 25405 33814 59219
19 4047549 25615 33604 59219
20 4021723 25826 33393 59219
21 3995684 26039 33180 59219
22 3969430 26254 32965 59219
23 3942959 26471 32748 59219
24 3916270 26689 32530 59219
25 3889361 26909 32310 59219
26 3862230 27131 32088 59219
27 3834875 27355 31864 59219
28 3807294 27581 31638 59219
29 3779486 27808 31411 59219
30 3751448 28038 31181 59219
31 3723179 28269 30950 59219
32 3694677 28502 30717 59219
33 3665940 28737 30482 59219
34 3636966 28974 30245 59219
35 3607752 29214 30005 59219
36 3578297 29455 29764 59219
37 3548599 29698 29521 59219
38 3518656 29943 29276 59219
39 3488466 30190 29029 59219
40 3458027 30439 28780 59219
41 3427337 30690 28529 59219
42 3396394 30943 28276 59219
43 3365196 31198 28021 59219
44 3333740 31456 27763 59219
45 3302025 31715 27504 59219
46 3270048 31977 27242 59219
 47 3237807 32241 26978 59219
48 3205300 32507 26712 59219
49 3172525 32775 26444 59219
50 3139480 33045 26174 59219
51 3106162 33318 25901 59219
52 3072569 33593 25626 59219
53 3038699 33870 25349 59219
54 3004550 34149 25070 59219
55 2970119 34431 24788 59219
56 2935404 34715 24504 59219
57 2900403 35001 24218 59219
58 2865113 35290 23929 59219
59 2829532 35581 23638 59219
60 2793657 35875 23344 59219
61 2757486 36171 23048 59219
62 2721017 36469 22750 59219
63 2684247 36770 22449 59219
64 2647174 37073 22146 59219
65 2609795 37379 21840 59219
66 2572107 37688 21531 59219
67 2534108 37999 21220 59219
68 2495796 38312 20907 59219
69 2457168 38628 20591 59219
70 2418221 38947 20272 59219
71 2378953 39268 19951 59219
72 2339361 39592 19627 59219
73 2299442 39919 19300 59219
74 2259194 40248 18971 59219
75 2218614 40580 18639 59219
76 2177699 40915 18304 59219
77 2136447 41252 17967 59219
78 2094854 41593 17626 59219
79 2052918 41936 17283 59219
80 2010636 42282 16937 59219
81 1968005 42631 16588 59219
82 1925023 42982 16237 59219
83 1881686 43337 15882 59219
84 1837991 43695 15524 59219
85 1793936 44055 15164 59219
86 1749517 44419 14800 59219
87 1704732 44785 14434 59219
88 1659578 45154 14065 59219
89 1614051 45527 13692 59219
90 1568148 45903 13316 59219
91 1521867 46281 12938 59219
92 1475204 46663 12556 59219
93 1428156 47048 12171 59219
94 1380720 47436 11783 59219
95 1332892 47828 11391 59219
96 1284670 48222 10997 59219
97 1236050 48620 10599 59219
98 1187029 49021 10198 59219
99 1137603 49426 9793 59219
100 1087770 49833 9386 59219
 101 1037526 50244 8975 59219
102 986867 50659 8560 59219
103 935790 51077 8142 59219
104 884292 51498 7721 59219
105 832369 51923 7296 59219
106 780018 52351 6868 59219
107 727235 52783 6436 59219
108 674016 53219 6000 59219
109 620358 53658 5561 59219
110 566257 54101 5118 59219
111 511710 54547 4672 59219
112 456713 54997 4222 59219
113 401262 55451 3768 59219
114 345354 55908 3311 59219
115 288985 56369 2850 59219
116 232151 56834 2385 59219
117 174848 57303 1916 59219
118 117072 57776 1443 59219
119 58819 58253 966 59219
120 0 58819 486 59305

1.This
information is assuming that full loan amount is disbursed.Principal outstanding mentioned in the
above table, refers to Closing Principal Outstanding amount.
Version no and Date: 3/Apr 07, 2025 Annex A

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan Proposal/ account 3000123569 Type of Loan HOME LOAN

No. PURCHASE _
Insurance - HOME
LOAN_AHF
2 Sanctioned Loan amount (in Rupees) 135000
3 Disbursal schedule1 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) 120 (Months)
5 Instalments detail
Type of instalments Number of EPIs EPI (Rs.) Commencement of repayment, post
sanction
Monthly 120 (Months) 1777.00 2 months from the date of disbursement
6 Interest rate (%) and type (fixed or floating or 9.9 % and Floating
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) Final rate Reset Impact of change in the
Benchmark rate (%) (B) (S) (%) R = periodicity reference benchmark (for 25
(B) + (S) (Months) bps change in 'R'2)
Change in EPI Change in tenure
ABHFL Reference 15.4% -5.50% 9.9 B S EPI (Rs.) No. of EPIs
Rate - 1796 122
$kfsProductHelper.
abhflbenchmark
8 Fee / Charges
Payable to the RE Payable to a third party through RE (B)
(A)
One- Amount (in One time Amount (in Rs.) or
time/ Rs.) o r /Recurring Percentage (%) as
Recurring Percentage applicable
(%) as
Applicable
(i) Processing fees One-time 0
(ii) Insurance Charges
(iii) Valuation fees
(iv) CERSAI One time
(v) IMGC One time 0.0
(vi) E-agreement Execution Charges One time
(vii) Lien Marking One time
(viii) Mutation Charges One time
(ix) Credit Enhancement charges One time
9 Annual Percentage Rate (APR) (%) 9.91
10 Details of Contingent Charges (in Rs. or %, as applicable)
(i) Penal charges, if any, in case of delayed payment 12% p.a. above current applicable
interest rate (aggregate not
exceeding 24% p.a. plus GST as per
applicable laws
(ii) Other penal charges, if any 1. Non- submission of Critical Post
Disbursement Documents like Title
document / Security perfection
documents / Mortgage Deed /
 charge creation with MCA
(wherever applicable) or non-
adherence to any terms and
conditions, representations and
covenants as defined in the loan
agreement / sanction letter within
the targeted date of submission. -
Rs. 3000/- per month
2. Non-submission of revised NACH
/ ECS Debit Mandate registration
wherever existing mandate is
invalid / inactive /bank account
closed or frozen / other technical
issue for a period of 30 days - Rs.
1000/- per month in case of
secured loans
(iii) Foreclosure charges, if applicable Not Applicable
(iv) Charges for switching of loans from floating to fixed rate and vice versa 2% of the principal
outstanding plus
applicable GST.
(v) Any other charges (pls specify)
1.Pre-closure statement charges Rs 1,000/- per loan
account
2. Original document retrieval charges post loan closure Rs 1,000/- per loan
account
3. Request for Copies of any collateral held with ABHFL Rs 750/- per instance
4. Request for duplicate Account Statement/ Repayment Schedule / Rs 200/- per loan
any other document (except collaterals) account
5. Charge For Exchanging NACH mandate Rs 750/- per instance
per loan account
6. Bureau report retrieval fee Rs 50/- per instance for
Consumer and Rs. 500/-
for Commercial Bureau
7. Conversion Charges at the request of the customer 1. Revision of rate within
the same Interest type:
1000/- plus applicable
GST per loan account on
every rate revision
2.Loan Reschedulement
Charges (Change in EMI/
tenor as per eligibility
norms): 0.5% of principal
outstanding plus
applicable GST
3.Switch from Fixed rate
to floating rate and vice-
versa: 2% of the principal
outstanding plus
applicable GST.
8. NOC issuance charges Rs 500/- per instance
9. Stamp duty/ Legal/ Insurance Premium / Creation of ROC As per actual, where
applicable
1. This information is assuming that full loan amount is disbursed.

2. The changes in EMI and / or tenor shown is an illustrative impact assuming the change in the
reference benchmark (ARR) by 25bps. The impact is subject to change depending upon the actual
change in ARR. Actual change in ARR will be communicated to you in line with the applicable
Regulations.

Part 2 (Other qualitative information)

1Clause of Loan agreement relating to ABHFL/ Lender shall be entitled to appoint/ engage
engagement of recovery agents various agencies and the agents/ employees of the
concerned agencies to act as recovery agents in
accordance with Applicable laws, RBI regulations and
internal policies in relation thereto. The Borrower(s)
hereby acknowledges and accepts the said engagement
of recovery agents when appointed, not dispute the said
engagement for any reason whatsoever and agrees to
cooperate with the said recovery agents and its
officials/ agents/ employees/ vendors.
2 Clause of Loan agreement which details Kindly refer section Grievance Redressal Mechanism in
grievance redressal mechanism "Annexure D"
3 Phone number and email id of the nodal Ph. No.: 08045860159 Email Id: ABHFL.
grievance redressal officer grievancehead@adityabirlacapital.com
4 Whether the loan is, or in future maybe, YES
subject to transfer to other REs or
securitization (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 its Name of the partner RE along with its Blended rate of
funding proportion proportion of funding interest
Not applicable Not applicable Not applicable
6 In case of digital loans, following specific disclosures may be furnished:
i. Cooling off/look-up period, in terms of RE's board Not applicable
approved policy, during which borrower shall not
be charged any penalty on prepayment of loan
ii. Details of LSP acting as recovery Not applicable
agent and authorized to approach the borrower
 ANNEX B

Illustration for computation of APR for Retail and MSME loans

Sr. Parameter Details

No.
1 Sanctioned Loan amount (in Rupees) ( SI no. 2 of the KFS template- Part 135000
1)
2 Loan Term (in years/ months/ days) (SI No.4 of the KFS template- Part 1) 120 (Months)
a) No. of instalments for payment of principal, in case of non - equated Not applicable
periodic loans.
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and
nos. of EPls (e.g., no. of EMls in case of monthly instalments) 1777.00
(SI No. 5 of the KFS template- Part 1) 120 (Months)
c) No. of instalments for payment of capitalised interest, if any Not applicable
d) Commencement of repayment post sanction (SI No. 5 of the KFS 2 months from the
template- Part 1) date of disbursement
3 Interest rate type (fixed or floating or hybrid) (SI No. 6 of the KFS Floating
template- Part 1)
4 Rate of interest (SI No. 6 of the KFS template- Part 1) 9.9%
5 Total Interest Amount to be charged during the entire tenor of the loan as 78256
per the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 0
A Payable to the RE (SI No.8A of the KFS template-Part 1) 0
B Payable to third-party routed through RE (SI No.8B of the KFS template - 0.0
Part 1)
7 Net disbursed amount (1-6) (in Rupees) 135000
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 213256
9 Annual Percentage rate- Effective annualized interest rate (in 9.91
percentage) (SI No.9 of the KFS template-Part 1)
10 Schedule of disbursement as per terms and conditions Please refer Annex C
11 Due date of payment of instalment and interest 3rd of each month
 Annex C

Illustrative Repayment Schedule1 under Equated Periodic Instalment for the hypothetical loan
illustrated in Annex B

Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

1 134337 663 1114 1777

2 133669 668 1109 1777
3 132995 674 1103 1777
4 132316 679 1098 1777
5 131631 685 1092 1777
6 130940 691 1086 1777
7 130244 696 1081 1777
8 129542 702 1075 1777
9 128834 708 1069 1777
10 128120 714 1063 1777
11 127400 720 1057 1777
12 126675 725 1052 1777
13 125944 731 1046 1777
14 125207 737 1040 1777
15 124463 744 1033 1777
16 123713 750 1027 1777
17 122957 756 1021 1777
18 122195 762 1015 1777
19 121427 768 1009 1777
20 120652 775 1002 1777
21 119871 781 996 1777
22 119083 788 989 1777
23 118289 794 983 1777
24 117488 801 976 1777
25 116681 807 970 1777
26 115867 814 963 1777
27 115046 821 956 1777
28 114219 827 950 1777
29 113385 834 943 1777
30 112544 841 936 1777
31 111696 848 929 1777
32 110841 855 922 1777
33 109979 862 915 1777
34 109110 869 908 1777
35 108234 876 901 1777
36 107350 884 893 1777
37 106459 891 886 1777
38 105561 898 879 1777
39 104655 906 871 1777
40 103742 913 864 1777
41 102821 921 856 1777
42 101893 928 849 1777
43 100957 936 841 1777
44 100013 944 833 1777
45 99062 951 826 1777
46 98103 959 818 1777
 47 97136 967 810 1777
48 96161 975 802 1777
49 95178 983 794 1777
50 94187 991 786 1777
51 93188 999 778 1777
52 92180 1008 769 1777
53 91164 1016 761 1777
54 90140 1024 753 1777
55 89107 1033 744 1777
56 88066 1041 736 1777
57 87016 1050 727 1777
58 85957 1059 718 1777
59 84890 1067 710 1777
60 83814 1076 701 1777
61 82729 1085 692 1777
62 81635 1094 683 1777
63 80532 1103 674 1777
64 79420 1112 665 1777
65 78299 1121 656 1777
66 77168 1131 646 1777
67 76028 1140 637 1777
68 74879 1149 628 1777
69 73720 1159 618 1777
70 72552 1168 609 1777
71 71374 1178 599 1777
72 70186 1188 589 1777
73 68989 1197 580 1777
74 67782 1207 570 1777
75 66565 1217 560 1777
76 65338 1227 550 1777
77 64101 1237 540 1777
78 62853 1248 529 1777
79 61595 1258 519 1777
80 60327 1268 509 1777
81 59048 1279 498 1777
82 57759 1289 488 1777
83 56459 1300 477 1777
84 55148 1311 466 1777
85 53826 1322 455 1777
86 52494 1332 445 1777
87 51151 1343 434 1777
88 49796 1355 422 1777
89 48430 1366 411 1777
90 47053 1377 400 1777
91 45665 1388 389 1777
92 44265 1400 377 1777
93 42854 1411 366 1777
94 41431 1423 354 1777
95 39996 1435 342 1777
96 38549 1447 330 1777
97 37091 1458 319 1777
98 35621 1470 307 1777
99 34138 1483 294 1777
100 32643 1495 282 1777
 101 31136 1507 270 1777
102 29616 1520 257 1777
103 28084 1532 245 1777
104 26539 1545 232 1777
105 24981 1558 219 1777
106 23411 1570 207 1777
107 21828 1583 194 1777
108 20232 1596 181 1777
109 18622 1610 167 1777
110 16999 1623 154 1777
111 15363 1636 141 1777
112 13713 1650 127 1777
113 12050 1663 114 1777
114 10373 1677 100 1777
115 8682 1691 86 1777
116 6977 1705 72 1777
117 5258 1719 58 1777
118 3525 1733 44 1777
119 1778 1747 30 1777
120 0 1778 15 1793

1.This
information is assuming that full loan amount is disbursed.Principal outstanding mentioned in the
above table, refers to Closing Principal Outstanding amount.
 Annex D

Grievance Redressal Mechanism

In the present competitive scenario, it is of utmost importance to offer best in class customer service for
sustainable business model. Customer complaints are an integral part of the business life in any
corporate entity.

At ABHFL, Customer service and Customer satisfaction are our prime focus. We believe that providing
prompt and efficient service is essential not only for customer acquisition, but also to retain and have
long-standing partnership with existing ones. ABHFL has come up with a lot of initiatives that are
designed to focus on customer experience and an efficient complaints redressal mechanism with a view
to providing the best customer experience.

In order to make ABHFL’s redressal mechanism more robust we shall ensure adherence to resolve
complaints within the company. The Grievance Mechanism shall deal with issues arising out of services
provided by any outsourced agency / partner engaged by the Company.

ABHFL is registered with Insurance Regulatory & Development Authority of India (“IRDAI”) as a
Corporate Agent (Composite), for distribution of Insurance Products. Accordingly, the grievance
redressal channels shall also be available for resolving issues related to the insurance distribution
undertaken by ABHFL as a licensed corporate agent.

1. Mechanism to handle customer Queries / Requests/ Complaints

Level 1:
Customers have the below channels to raise any grievance pertaining to our services provided or may
want to report any improper misconduct by ABHFL or its representatives.
Call our Customer Service Helpline on 1800-270-7000 (Operational from 9 a.m to 9:00 pm. Monday to
Sunday)
Email us at care.housingfinance@adityabirlacapital.com
Write to us at the below mentioned address:
Aditya Birla Housing Finance Limited – Customer Service Cell
R Tech Park, 15th Floor, Nirlon Complex, Off Western Express Highway,
Goregaon East, Mumbai- 400 063
Alternatively, the Customer can also visit the nearest ABHFL branches (Timing- 9.30 am to 6 pm) Except
on Holidays – i.e. every 1st & 2nd Saturday, All Sundays & Public Holidays.
Level 2:
If a complaint is received in writing from a customer, ABHFL shall endeavor to acknowledge/ respond
within a week. The acknowledgement would contain the name & designation of the official who will deal
with the grievance. If the complaint is relayed over phone at ABHFL Customer Service Helpline, the
customer will be provided with a complaint number. If the resolution provided by the aforesaid channels
are unsatisfactory, the customer maywrite to:

Head – Grievance Redressal Cell at:

grievance.housingfinance@adityabirlacapital.com

We assure a response within 5 working days.

Level 3:
If the resolution provide by Level 2 above is still unsatisfactory, then the customer may write to the
Grievance Redressal Officer. The name and contact details of the Grievance Redressal Officer ("GRO”)
who is also the Principal Nodal Officer (“PNO”) is as follows:

Ms. Smita Nadkarni

Tel. No.: 08045860159
Email Id: ABHFL.grievancehead@adityabirlacapital.com

Level 4:
If the customer is still not satisfied OR the grievance is not redressed within a period of one month, the
customer may appeal to the supervisory authority of Housing Finance companies – the National Housing
Bank through post, in prescribed format available at below link, at the address given below:

https://grids.nhbonline.org.in/(S(0cixd2l420ampmiuolt4fxz2))/default.aspx
National Housing Bank
Complaint Redressal Cell
Department of Supervision
National Housing Bank, 4th Floor, Core-5A, India Habitat Centre, Lodhi Road,
New Delhi - 110 003.

The customer may also visit https://www.nhb.org.in/ (Under the head of Grievance Redressal System
lodge a compliant in Physical mode and Online mode(GRIDS))/
https://grids.nhbonline.org.in

2. Disclosure
ABHFL is authorized to disclose from time to time any information relating to the loan to any credit
bureau(Existing or Future) approved by Government of India or any authority as may require from time
to time without any notice to the applicant. ABHFL is also authorized to make inquiries with the Credit
Information Bureau of India (CIBIL) and get the applicants Credit Information Report. The most
Important Terms and Conditions mentioned above are an indicative list of terms and conditions of our
loan products. These terms and conditions are further described in the respective loan agreement under
relevant sections/schedules and therefore should be read in conjunction with those mentioned in the
loan agreement and/or sanction letter.

Validity of this document: 60 days from the date of this document, extension of the same is at the
discretion of ABHFL.
Vernacular Declaration