Annex A

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ 26713549 Type of Loan Insurance Loan

account No.
2 Sanctioned Loan amount (in Rupees) 15,797
3 Disbursal schedule 1) Disbursal schedule shall be drawn basis Borrower's
disbursement (In stages or 100% upfront) request received at
(i) Disbursement in stages or 100% the time of disbursement of loan.
2) If Borrower requests for stage wise disbursement of the loan,
upfront below mentioned clause shall be applicable:
Stage Wise Disbursal Clause:
(ii) If it is stage wise, mention the clause In cases where the Borrower has availed a Loan from the Bank
of loan agreement having relevant for an under-construction property /plot along with under-
details construction property (Property), the Bank shall disburse the
Loan in a phase-wise manner as follows:
a) Where the Property is purchased from a builder/developer,
disbursement of the Loan during the construction period shall
be done, inter alia, as per the construction plan agreed in the
relevant sale agreement, including upon:
(i) signing of the tripartite agreement /quadripartite agreement
with the builder/developer, and
(ii) submission of original/certified copy of allotment letter to the
Borrower issue by the said builder/developer.
b) Where the Property has been purchased from a development
authority/housing society, disbursement of the Loan during the
construction period shall be done basis the construction plan
agreed in the relevant sale agreement, including upon
submission of original/certified copy of allotment cum demand
letter issued by the said development authority/housing society.
c) Where the Property is being self-constructed by the
Borrower, disbursement of the Loan shall be basis the
construction completion timeline estimate provided by the
architect appointed by the Borrower which has been validated
by the Bank.
d) Where the Property has been purchased by the Borrower in
a re-sale, disbursement of the Loan shall be done basis the
progress report of the construction prepared by the Bank,
including upon:
(i) signing of the agreement for sale between the Borrower and
the seller and
(ii) submission of original/certified copy of allotment/re-allotment
letter by the seller/builder/developer.
e) Where there is a balance transfer of loan for a Property from
another bank/financial institution, disbursement of the Loan
shall be basis the progress report of the construction prepared
by the Bank including upon, submission of original/certified copy
of demand letter and allotment letter issued by the builder
/developer.
Notwithstanding the aforementioned, if the construction of the
Property does not progress as per the terms and conditions
stipulated in the relevant documents mentioned above, the
Bank shall have the sole discretion to disburse the relevant
Loan amount basis the confirmation from the Bank regarding
the completion of the relevant stages of construction of the
Property.
4 Loan term (in months) 240 Months
5 # Instalment details
Type of instalments Number of EPI (Rs) Commencement of
EPIs repayment, post sanction
Monthly 240 147 The EMI due date would be 1st
or 5th or 10th of the month as
 opted by the customer at the
time of execution of the loan
agreement.
6 Interest rate (%) and type (fixed or floating or hybrid) 9.5 %
Floating
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final Reset periodicity (Months) Impact of change in the
Benchmark rate (%) (B) (%) (S) rate reference benchmark (for 25
(%) bps change in 'R', change in:)
R= B S ## EPI No. of EPIs
(B) (Rs)
+ (S)
REPO 6 3.5 9.5 25th of Not Applicable 150 240
last
month of
each
quarter
8 Fee/ Charges
Payable to the RE (A) Payable to a third party through
RE (B)
One- Amount (in Rs) One- Amount (in Rs) or
time/ or Percentage time/ Percentage (%) as
Recurring (%) as applicable Recurring applicable
I Processing fees One-time 0 NA
II Insurance premium NA One-time 0
III Valuation fees NA One-time 0
IV CERSAI Charges NA One-time 118
V ROC charge NA One-time 0
VI Stamp duty Charges NA One-time 0
9 Annual Percentage Rate (APR) (%) 9.6 %
10 Details of Contingent Charges (in Rs or %, as applicable)
I. Penal charges, if any, in case of delayed payment Financial Default*:8% p.a. above applicable interest
rate on the overdue amount (subject to the
aggregate not exceeding 24% per instance)
There shall be no capitalisation of Penal Charges
Financial Default includes all types of payment or
financial defaults/irregularities with respect to your
Loan Account.
II. Foreclosure charges, if applicable In case of Micro and Small Enterprises (MSE)
customers, no prepayment charges are applicable if;
1.Loan amount is up to Rs.50 Lakhs under Fixed
rate loans, or
2.Loans with floating interest rates (irrespective of
the loan limit)
3.If primary applicant is a non-Individual
(irrespective of end use): 3% foreclosure charge on
outstanding principal is applicable.
4.If primary applicant is an Individual with end use
as business: 3% foreclosure charge on outstanding
principal is applicable.
5.If primary applicant is an Individual with end use
other than business:NIL (irrespective of the co-
applicant constitution).
III. Charges for switching of loans from floating to Switching from the Floating Rate scheme to Fixed
fixed rate and vice versa Rate scheme will attract a fee of 1% on the
 outstanding principal with a minimum of INR 10,000
/-. Switching from the Fixed Rate scheme to
Floating Rate scheme will attract a fee of 2% on the
outstanding principal.
IV. Cheque/Instrument swapping charges INR 500 /- Per instance
V. Conversion charges for switching higher floating Switching from the higher Floating Rate to Lower
rate to lower floating rate and from Higher fixed Floating Rate will attract an administrative charge of:
rate to Lower fixed rate -
Principal O/s at the time of ROI conversion Charges:
# Upto 10 Lacs - 1000+GST
#10.01 Lacs to 30 Lacs - 2000+GST
#30.01 Lacs to 75 Lacs - 3000+GST
#>75 Lacs - 5000+GST
VI. Credit Report Issuance Charges INR 50 /- Per instance
VII. Duplicate No Dues Certificate/NOC INR 50/- Per Instance
VIII. Duplicate Statement issuance charges INR 250 /- Per instance
IX. Issuance Charges for Photocopy of Title Deeds INR 500 / - per document
X. Part payment Charges In case of Micro and Small Enterprises (MSE)
customers, no prepayment charges are applicable if;
1. Loan amount is up to Rs.50 Lakhs under Fixed
rate loans, or
2. Loans with floating interest rates (irrespective of
the loan limit)
Applicable for LAP Only: Part pre-payment charges
term loan:
1.Upto 25% of the principal outstanding repaid in
the quarter -NIL Charges
2.More than 25% of principal outstanding repaid in
a quarter
-3% charges on excess amount repaid (Total
amount repaid less 25% of the principal
outstanding). The quarter refers to calendar quarter.
No part prepayment is allowed in the first quarter
after taking the loan.
If primary applicant is a non-Individual (irrespective
of end use): 3% part prepayment charge on
outstanding principal is applicable.
If primary applicant is an Individual with end use as
business: 3% part prepayment charge on
outstanding principal is applicable.
If primary applicant is an Individual with end use
other than business:NIL (irrespective of the co-
applicant constitution)
XI. Repayment Instruction/Instrument Return charges INR 339 /- Per instance

* Goods and Services Tax (GST) will be charged extra as per the applicable rates, on all the charges and fees
(wherever GST is applicable).
 Part 2 (Other qualitative information)

1 Clause of To take possession/ control of such Property/ security, whether directly or through any
Loan receiver,recovery agent, manager attorney, or other person as may be appointed by the
agreement Bank to exercise all or any of the powers and rights vested in the Bank under the Loan
relating to Agreement and/or any other related transaction documents and/or as available to it in law,
engagement who shall be deemed to be the agent of the Bank, including for or in relation to perfection,
of recovery preservation, valuation, enforcement of Security Interest,possession, sale, auction, private
agents treaties of Security Interest, etc., It shall be lawful for the Bank or its agents to enter into or
take possession under the provisions contained in any of the documents entered in relation
to the Security Interests henceforth and to hold and enjoy the same and to receive the rents
and profits thereof without any interruption or disturbance by the Borrower and/ or the
Security Providers or persons claiming by, through, under or in trust for the Borrower and/ or
the Security Providers.
2 Clause of For any grievances in relation to the (Home Loan / Personal Loan / Education Loan / Two
Loan Wheeler Loan / Car Loan / Commercial Vehicle and Construction Equipment etc.) the
agreement Borrower may raise any complaint/concerns through the [https://application.axisbank.co.in
which details /webforms/axis-support/index.aspx] or call the Bank customer care [1860-419-5555
grievance (Charges Applicable) / 1860-500-5555 (Charges Applicable) / 1800-103-5577 (Toll Free
redressal Number)]. The Bank shall endeavour to resolve the grievances and provide appropriate
mechanism response with respect to such complaint/concerns raised by the Borrower in a timely
manner. For further details on the grievance redressal policy of the Bank, the Borrower can
access and read the grievance redressal policy of the Bank available at https://www.
axisbank.com/docs/default-source/default-document-library/grievance-redressal/grievance-
redressal-policy.pdf
3 Phone Ms Deepti Radkar
number and Email ID - pno@axisbank.com
email id of ph - 91-080-61865098
the nodal
grievance
redressal
officer
4 Whether the Yes
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: co-lending/ outsourcing
Name of the Name of the partner RE along with its proportion of funding Blended rate of interest
originating
RE, along
with its
funding
proportion
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 approved policy, Not applicable
during which borrower shall not be charged any penalty on prepayment of
loan
(ii) Details of LSP acting as recovery agent and authorized to approach the Not applicable
borrower
* This Key Facts Statement is valid till the end of 12/10/2025

* Kindly note that insurance plan(s) from the insurance partner(s) engaged by the Bank ('such insurance partner(s)')
are made available for your convenience and in case you opt for the same, we can assist you in the enrolment of the
chosen plan. It is clarified that purchase of the insurance cover from such insurance partner(s) shall be voluntary
/optional and is not linked to availment of any product(s)/service(s) from the Bank. You may choose to avail the
insurance cover from such insurance partner(s) or from any other insurance providers.

* The details acknowledged in this Key Facts Statement ('KFS') are as on the date of signing the KFS. These
details are subject to change basis customer(s) request for modification in the loan terms and conditions including but
not limited to repayment commencement date, tenure, loan amount or any other relevant details.

* Insurance Loan proceeds will be applied towards purchase of insurance.

 Annex B
Computation of APR

Sr Parameter Details
No.

1 Sanctioned Loan amount 15,797

(in Rupees) (Sl no. 2 of
the KFS template - Part 1)
2 Loan Term (in years/ 240 Months
months/ days) (Sl No.4 of
the KFS template - Part 1)
a) No. of instalments for Not Applicable
payment of principal, in
case of non-equated
periodic loans
b) # Type of EPI Monthly
Amount of each EPI (in 147
Rupees) and 240
nos. of EPIs (e.g., no. of
EMIs in case of monthly
instalments)
(Sl No. 5 of the KFS
template - Part 1)
c) No. of instalments for
payment of capitalised
interest, if any
d) Commencement of The EMI due date would be 1st or 5th or 10th of the month as opted by the
repayments, post customer at the time of execution of the loan agreement.
sanction (Sl No. 5 of the
KFS template - Part 1)
3 Interest rate type (fixed Floating
or floating or hybrid) (Sl
No. 6 of the KFS
template - Part 1)
4 Rate of Interest (Sl No. 6 9.5 %
of the KFS template -
Part 1)
5 Total Interest Amount to 19,667
be charged during the
entire tenor of the loan as
per the rate prevailing on
sanction date (in Rupees)
6 Fee/ Charges payable (in 118
Rupees)
A Payable to the RE (Sl No. 0
8A of the KFS template -
Part 1)
B Payable to third-party 118
routed through RE (Sl No.
8B of the KFS template -
Part 1)
7 Net disbursed amount (1- 15,797
6) (in Rupees)
8 35,464
 Total amount to be paid
by the borrower (sum of
1 and 5) (in Rupees)
9 Annual Percentage rate- 9.6 %
Effective annualized
interest rate (in
percentage) (SI No.9 of
the KFS template - Part 1)
10 Schedule of 1) Disbursal schedule shall be drawn basis Borrower's disbursement (In stages
disbursement as per or 100% upfront) request received at the time of disbursement of loan.
terms and conditions 2) If Borrower requests for stage wise disbursement of the loan, below
mentioned clause shall be applicable:
Stage Wise Disbursal Clause:
In cases where the Borrower has availed a Loan from the Bank for an under-
construction property /plot along with under-construction property (Property), the
Bank shall disburse the Loan in a phase-wise manner as follows:
a) Where the Property is purchased from a builder/developer, disbursement of
the Loan during the construction period shall be done, inter alia, as per the
construction plan agreed in the relevant sale agreement, including upon:
(i) signing of the tripartite agreement /quadripartite agreement with the builder
/developer, and
(ii) submission of original/certified copy of allotment letter to the Borrower issue
by the said builder/developer.
b) Where the Property has been purchased from a development authority
/housing society, disbursement of the Loan during the construction period shall
be done basis the construction plan agreed in the relevant sale agreement,
including upon submission of original/certified copy of allotment cum demand
letter issued by the said development authority/housing society.
c) Where the Property is being self-constructed by the Borrower, disbursement
of the Loan shall be basis the construction completion timeline estimate
provided by the architect appointed by the Borrower which has been validated
by the Bank.
d) Where the Property has been purchased by the Borrower in a re-sale,
disbursement of the Loan shall be done basis the progress report of the
construction prepared by the Bank, including upon:
(i) signing of the agreement for sale between the Borrower and the seller and
(ii) submission of original/certified copy of allotment/re-allotment letter by the
seller/builder/developer.
e) Where there is a balance transfer of loan for a Property from another bank
/financial institution, disbursement of the Loan shall be basis the progress report
of the construction prepared by the Bank including upon, submission of original
/certified copy of demand letter and allotment letter issued by the builder
/developer.
Notwithstanding the aforementioned, if the construction of the Property does not
progress as per the terms and conditions stipulated in the relevant documents
mentioned above, the Bank shall have the sole discretion to disburse the
relevant Loan amount basis the confirmation from the Bank regarding the
completion of the relevant stages of construction of the Property.
11 Due date of payment of The EMI due date would be 1st or 5th or 10th of the month as opted by the
instalment and interest customer at the time of execution of the loan agreement.

# In as applicable cases of loans with moratorium period, advance EMI loans, broken period interest loan, graded EMI
loan, and moratorium loan with interest capitalization, the amount and number of EMIs mentioned may vary over loan
tenure. Please refer to Annex C for the detailed repayment schedule.
 Annex C
Repayment Schedule for Annex B

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

1 15797 28 119 147

2 15769 20 127 147
3 15749 24 123 147
4 15725 20 127 147
5 15705 20 127 147
6 15685 25 122 147
7 15660 21 126 147
8 15639 25 122 147
9 15614 21 126 147
10 15593 21 126 147
11 15572 34 113 147
12 15538 22 125 147
13 15516 26 121 147
14 15490 22 125 147
15 15468 26 121 147
16 15442 22 125 147
17 15420 23 124 147
18 15397 27 120 147
19 15370 23 124 147
20 15347 27 120 147
21 15320 23 124 147
22 15297 24 123 147
23 15273 36 111 147
24 15237 24 123 147
25 15213 28 119 147
26 15185 24 123 147
27 15161 29 118 147
28 15132 25 122 147
29 15107 25 122 147
30 15082 29 118 147
31 15053 26 121 147
32 15027 30 117 147
33 14997 26 121 147
34 14971 26 121 147
35 14945 34 113 147
36 14911 27 120 147
37 14884 31 116 147
38 14853 27 120 147
39 14826 31 116 147
40 14795 28 119 147
41 14767 28 119 147
42 14739 32 115 147
43 14707 28 119 147
44 14679 32 115 147
45 14647 29 118 147
46 14618 29 118 147
47 14589 41 106 147
48 14548 30 117 147
49 14518 34 113 147
50 14484 30 117 147
51 14454 34 113 147
52 14420 31 116 147
53 14389 31 116 147
54 14358 35 112 147
55 14323 31 116 147
56 14292 35 112 147
57 14257 32 115 147
58 14225 32 115 147
59 14193 44 103 147
60 14149 33 114 147
61 14116 37 110 147
62 14079 33 114 147
63 14046 37 110 147
64 14009 34 113 147
65 13975 34 113 147
66 13941 38 109 147
67 13903 35 112 147
68 13868 39 108 147
69 13829 35 112 147
70 13794 36 111 147
71 13758 47 100 147
72 13711 36 111 147
73 13675 40 107 147
74 13635 37 110 147
75 13598 41 106 147
76 13557 38 109 147
77 13519 38 109 147
78 13481 42 105 147
79 13439 39 108 147
80 13400 42 105 147
81 13358 39 108 147
82 13319 40 107 147
83 13279 47 100 147
84 13232 40 107 147
85 13192 44 103 147
86 13148 41 106 147
87 13107 45 102 147
88 13062 42 105 147
89 13020 42 105 147
90 12978 46 101 147
91 12932 43 104 147
92 12889 46 101 147
93 12843 43 104 147
94 12800 44 103 147
95 12756 54 93 147
96 12702 45 102 147
97 12657 48 99 147
98 12609 45 102 147
99 12564 49 98 147
100 12515 46 101 147
101 12469 46 101 147
102 12423 50 97 147
103 12373 47 100 147
104 12326 51 96 147
105 12275 48 99 147
106 12227 48 99 147
107 12179 58 89 147
108 12121 49 98 147
109 12072 53 94 147
110 12019 50 97 147
111 11969 54 93 147
112 11915 51 96 147
113 11864 51 96 147
114 11813 55 92 147
115 11758 52 95 147
116 11706 56 91 147
117 11650 53 94 147
118 11597 53 94 147
119 11544 63 84 147
120 11481 54 93 147
121 11427 58 89 147
122 11369 55 92 147
123 11314 59 88 147
124 11255 56 91 147
125 11199 57 90 147
126 11142 60 87 147
127 11082 58 89 147
128 11024 61 86 147
129 10963 59 88 147
130 10904 59 88 147
131 10845 65 82 147
132 10780 60 87 147
133 10720 63 84 147
134 10657 61 86 147
135 10596 64 83 147
136 10532 62 85 147
137 10470 63 84 147
138 10407 66 81 147
139 10341 64 83 147
140 10277 67 80 147
141 10210 65 82 147
142 10145 65 82 147
143 10080 74 73 147
144 10006 66 81 147
145 9940 69 78 147
146 9871 67 80 147
147 9804 70 77 147
148 9734 68 79 147
149 9666 69 78 147
150 9597 72 75 147
151 9525 70 77 147
152 9455 73 74 147
153 9382 71 76 147
154 9311 72 75 147
155 9239 80 67 147
156 9159 73 74 147
157 9086 76 71 147
158 9010 74 73 147
159 8936 77 70 147
160 8859 76 71 147
161 8783 76 71 147
162 8707 79 68 147
163 8628 77 70 147
164 8551 80 67 147
165 8471 79 68 147
166 8392 79 68 147
167 8313 86 61 147
168 8227 81 66 147
169 8146 83 64 147
170 8063 82 65 147
171 7981 85 62 147
172 7896 83 64 147
173 7813 84 63 147
174 7729 87 60 147
175 7642 85 62 147
176 7557 88 59 147
177 7469 87 60 147
178 7382 87 60 147
179 7295 92 55 147
180 7203 89 58 147
181 7114 91 56 147
182 7023 90 57 147
183 6933 93 54 147
184 6840 92 55 147
185 6748 93 54 147
186 6655 95 52 147
187 6560 94 53 147
188 6466 97 50 147
189 6369 96 51 147
190 6273 96 51 147
191 6177 102 45 147
192 6075 98 49 147
193 5977 100 47 147
194 5877 100 47 147
195 5777 102 45 147
196 5675 101 46 147
197 5574 102 45 147
198 5472 104 43 147
199 5368 104 43 147
200 5264 106 41 147
201 5158 105 42 147
202 5053 106 41 147
203 4947 111 36 147
204 4836 108 39 147
205 4728 110 37 147
206 4618 110 37 147
207 4508 112 35 147
208 4396 112 35 147
209 4284 112 35 147
210 4172 114 33 147
211 4058 114 33 147
212 3944 116 31 147
213 3828 116 31 147
214 3712 117 30 147
215 3595 121 26 147
216 3474 119 28 147
217 3355 121 26 147
218 3234 121 26 147
219 3113 123 24 147
220 2990 123 24 147
221 2867 124 23 147
222 2743 126 21 147
223 2617 126 21 147
224 2491 128 19 147
225 2363 128 19 147
 226 2235 129 18 147
227 2106 131 16 147
228 1975 131 16 147
229 1844 133 14 147
230 1711 133 14 147
231 1578 135 12 147
232 1443 135 12 147
233 1308 136 11 147
234 1172 138 9 147
235 1034 139 8 147
236 895 140 7 147
237 755 141 6 147
238 614 142 5 147
239 472 144 3 147
240 328 328 3 331

## Computed considering entire loan period which includes actual EMI period plus variations in EMI periods due to
moratorium and graded EMIs. In case of any change in reference benchmark, the revised repayment schedule will be
communicated

Applicant Consent Details

Sr No. Applicant Name Mobile Number Consent Status Consent Time IP Address

1 SHER SINGH 8878275274 Digitally Obtained 15-Apr-2025 14:23:07 PM 152.59.24.168

2 MONA BAGHEL 9144800509 Digitally Obtained 15-Apr-2025 14:26:15 PM 152.59.24.168

Disclaimer :
The information provided in the table above includes details of applicants and co-applicants who
have given their consents digitally. Applicants and co-applicants who have provided physical
consent are not included in this list.