KEY FACT STATEMENT

Part 1 (Interest Rate and Fees/ Charges)

Loan proposal/
1 16599232 Type of Loan Digital Auto Loan
account no.
2 Sanctioned Loan Amount (In Rupees) Rs. 13,00,000/-[Rupees Thirteen Lakh only]
Disbursal Schedule
(i) Disbursement in stages or 100% Upfront (i) 100% Upfront
3
(ii) If it is stage wise, mention the clause of (ii) NA
loan agreement having relevant details
4 Loan term (year/months/days) 84 Months
5 Installment Details
Type of Commencement of
Number of EPIs EPI (Rs.)
Instalments Repayment, post sanction
10th of next calendar month
Monthly 84 Rs. 21,082 from the date of
disbursement
6 Interest rate (%) and type 9.25 % and Floating Rate of Interest
7 Additional Information in case of Floating Rate of Interest
Reference Benchmark BRLLR
Reset Impact of change in the reference
Benchmark Rate (%) (B) 8.65
periodicity benchmark (for 25bps change in R
Spread (%) (S) .3 (Months) , change in:

Strategic Premium (SP) .25 B S EPI (Rs.) No. of. EPIs

Keeping EPI
Keeping Tenure
Risk Premium (RP) 0.05 Amount
Unchanged
1 NA Unchanged
Final Rate (%)
9.25 166 NA
R= (B)+(S)+(SP)+(RP)

8 Fee / Charges
Payable to a third party through RE
Payable to the RE (A)
(B)
Amount (in Rs.) or
One-time/ Amount (in Rs.) or Percentage One-time/
Percentage (%) as
Recurring (%) as applicable Recurring
applicable
Processing Fees
i (Non- One - Time Rs. 2,000 + 360(GST) - -
Refundable)
Stamp Duty
ii Charges (Non- - - One - Time 300
Refundable)
Insurance
iii - - - -
Charges
iv Valuation Fees - - - -
Any other

Page 1
v (please specify) - - - -

Annual Percentage Rate (APR)

9 9.32
(%)
10 Details of Contingent Charges (in Rs. or % , as applicable)
Penal charges for delayed payment of dues including Principal,
interest, service charges etc.:
2% p.a. on the amount of default.
Penal charges, if any, in case of Note: Penal charges will be applied solely to overdue payments
(i)
delayed payment (instalments and/or interest/service charges etc.), for the period
they remain unpaid beyond their due date. Penal charges will be
calculated based on the actual number of days of default but will
be debited on a monthly basis.

Penal Charges @ 2% p.a. will be charged on the outstanding

balance of credit facilities of borrower for the default period for
following nature of non compliance:

a. Non-Submission of documents as per sanction terms.

b. Non-compliance in security perfection as per sanction
terms.
c. Any other breaches/ non- compliance in material terms of
sanction

Note:

Penal charges will be applied on a monthly basis and

(ii) Other penal charges, if any
calculated for the actual period of non-compliance.
GST will be applicable on penal charges
If penal charges remain uncollected in respect of Non-
Performing Asset (NPA) accounts, penal charges shall be
reversed to the extent it remains uncollected for the specific
purpose of non-recognition of income. However, the same
shall be part of the total liability of the borrower to the
Bank.
Penal charges shall not exceed 2% of the outstanding
balance of credit facilities of borrower, irrespective of the
number of non-compliance instances.
Additional penal charges will not be levied on the earlier
outstanding amount of penal charges.

Page 2
(iii) Foreclosure charges, if applicable NIL
Charges for switching of loans 0.10% on outstanding balance + undisbursed portion (if any).
(iv) from floating to fixed rate and Minimum Rs. 5,000/- + GST and maximum Rs. 1.00 Lakh +
vice versa GST per account at the time of each conversion
(v) Any other charges (please specify) -

Part 2 (Other Qualitative Information)

Clause of Loan agreement relating to Refer clause no. 11.25 of Loan Agreement -
1
engagement of recovery agents Digital Auto Loan
Clause of Loan agreement which details Refer clause no. 11.26 of Loan Agreement -
2
grievance redressal mechanism Digital Auto Loan

Phone number and email id of the nodal

3 0265-2316377 and cs.ho@bankofbaroda.com
grievance redressal officer
Whether the loan is, or in future maybe, subject
4 to transfer to other REs or securitization (Yes/ Yes
No)
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),
5
following additional details may be furnished:
Name of the originating RE, Name of the partner RE along
Blended rate of interest
along with its funding proportion with its proportion of funding
NA NA NA

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

Cooling off/ look-up period will be -3- days

from the date of disbursement.
The borrower will have an option to exit
digital loan by paying the principal and the
proportionate interest without any penalty
during this Cooling off/ look-up period,
Cooling off/look-up period, in terms of RE’s
however, the upfront Processing Charges +
board approved policy, during which borrower
(i) GST and Stamp Duty charges are non-
shall not be charged any penalty on prepayment
refundable.
of loan
For borrowers continuing with the loan even
after lookup period, pre-payment can be
availed subject to the applicable pre-payment
charges, as mentioned in the ‘Pre payment
/part payment charges’ section in the Key
Fact Statement/ Sanction Letter.

Details of LSP acting as recovery agent and Please click here to know more or visit Banks'
(ii)
authorized to approach the borrower Website www.bankofbaroda.co.in.

Page 3
Computation of APR:

S.
Parameter Details
No
Rs. 13,00,000/-[Rupees Thirteen Lakh
1 Sanctioned Loan amount (in Rupees)
only]
2 Loan Term (in months) 84
No. of instalments for payment of principal, in case of non-
a) -
equated periodic loans
Type of EPI Monthly
Amount of Each EPI (in Rupees) and Rs. 21,082
b)
Nos. of EPIs (e.g., no. of EMIs in case of monthly
84
instalments)
c) No. of instalments for payment of capitalized interest if any -
d) Commencement of repayments, post sanction -
3 Interest rate type Floating Rate of Interest
4 Rate of Interest 9.25%
Total Interest Amount to be charged during the entire tenor Rs. 4,70,842/-[Rupees Four Lakh
5 of the loan as per the rate prevailing on sanction date (in Seventy Thousand Eight Hundred
Rupees) Forty Two only]
2,660/-[Rupees Two Thousand Six
6 Fee/ Charges Payable (in Rs.)
Hundred Sixty only]
a) Payable to the Bank Rs. 2,000 + 360 (GST)
b) Payable to third-party routed through Bank Rs. 300
Rs. 12,97,340/-[Rupees Twelve Lakh
7 Net disbursed amount (1-6) (in Rupees) Ninety Seven Thousand Three
Hundred Forty only]
Rs. 17,70,842/-[Rupees Seventeen
8 Total amount to be paid by the borrower Lakh Seventy Thousand Eight
Hundred Forty Two only]
9 Annual Percentage rate- Effective annualized interest rate 9.32 %
10 Schedule of disbursement as per terms and conditions 100% Upfront
10th of every month starting from next
11 Due date of payment of instalment and interest calendar month from the date of
disbursement

Page 4
The EMI/repayment Schedule shall be as follows:

Due date for Monthly Monthly Total EMI (Principal Outstanding

repayment of EMI Interest Amt Principal Amt + Interest) Balance
10-06-2025 10021 11061 21082 1288939
10-07-2025 9936 11146 21082 1277793
10-08-2025 9850 11232 21082 1266561
10-09-2025 9764 11318 21082 1255243
10-10-2025 9676 11406 21082 1243837
10-11-2025 9588 11494 21082 1232343
10-12-2025 9500 11582 21082 1220761
10-01-2026 9411 11671 21082 1209090
10-02-2026 9321 11761 21082 1197329
10-03-2026 9230 11852 21082 1185477
10-04-2026 9139 11943 21082 1173534
10-05-2026 9046 12036 21082 1161498
10-06-2026 8954 12128 21082 1149370
10-07-2026 8860 12222 21082 1137148
10-08-2026 8766 12316 21082 1124832
10-09-2026 8671 12411 21082 1112421
10-10-2026 8575 12507 21082 1099914
10-11-2026 8479 12603 21082 1087311
10-12-2026 8382 12700 21082 1074611
10-01-2027 8284 12798 21082 1061813
10-02-2027 8185 12897 21082 1048916
10-03-2027 8086 12996 21082 1035920
10-04-2027 7986 13096 21082 1022824
10-05-2027 7885 13197 21082 1009627
10-06-2027 7783 13299 21082 996328
10-07-2027 7681 13401 21082 982927
10-08-2027 7577 13505 21082 969422
10-09-2027 7473 13609 21082 955813
10-10-2027 7368 13714 21082 942099
10-11-2027 7263 13819 21082 928280
10-12-2027 7156 13926 21082 914354
10-01-2028 7049 14033 21082 900321
10-02-2028 6940 14142 21082 886179
10-03-2028 6831 14251 21082 871928
10-04-2028 6722 14360 21082 857568
10-05-2028 6611 14471 21082 843097
10-06-2028 6499 14583 21082 828514
10-07-2028 6387 14695 21082 813819
10-08-2028 6274 14808 21082 799011
10-09-2028 6160 14922 21082 784089
10-10-2028 6045 15037 21082 769052
10-11-2028 5929 15153 21082 753899
10-12-2028 5812 15270 21082 738629
10-01-2029 5694 15388 21082 723241
10-02-2029 5575 15507 21082 707734
10-03-2029 5456 15626 21082 692108
10-04-2029 5335 15747 21082 676361
10-05-2029 5214 15868 21082 660493

Page 5
10-06-2029 5092 15990 21082 644503
10-07-2029 4969 16113 21082 628390
10-08-2029 4844 16238 21082 612152
10-09-2029 4719 16363 21082 595789
10-10-2029 4593 16489 21082 579300
10-11-2029 4466 16616 21082 562684
10-12-2029 4338 16744 21082 545940
10-01-2030 4209 16873 21082 529067
10-02-2030 4079 17003 21082 512064
10-03-2030 3948 17134 21082 494930
10-04-2030 3816 17266 21082 477664
10-05-2030 3682 17400 21082 460264
10-06-2030 3548 17534 21082 442730
10-07-2030 3413 17669 21082 425061
10-08-2030 3277 17805 21082 407256
10-09-2030 3140 17942 21082 389314
10-10-2030 3001 18081 21082 371233
10-11-2030 2862 18220 21082 353013
10-12-2030 2722 18360 21082 334653
10-01-2031 2580 18502 21082 316151
10-02-2031 2437 18645 21082 297506
10-03-2031 2294 18788 21082 278718
10-04-2031 2149 18933 21082 259785
10-05-2031 2003 19079 21082 240706
10-06-2031 1856 19226 21082 221480
10-07-2031 1708 19374 21082 202106
10-08-2031 1558 19524 21082 182582
10-09-2031 1408 19674 21082 162908
10-10-2031 1256 19826 21082 143082
10-11-2031 1103 19979 21082 123103
10-12-2031 949 20133 21082 102970
10-01-2032 794 20288 21082 82682
10-02-2032 638 20444 21082 62238
10-03-2032 480 20602 21082 41636
10-04-2032 321 20761 21082 20875
10-05-2032 161 20921 21082 -46

Please note that in case of normal repayment or under moratorium as per sanction terms, as case may
be, the EMI/repayment schedule will be mentioned accordingly.

Page 6
 Sanction letter

Ref No: 16599232 Date & Time : 21-MAY-2025 12:10

To,

RAJAN KUMAR,

Sahupar,

Sonupar Basti Uttar Pradesh - 272001

Dear Sir/Madam,

Re: Your request for Digital Auto Loan of Rs. 13,00,000/-[Rupees Thirteen Lakh only]

We are pleased to inform you that your request for Digital Auto Loan has been considered favorably and
sanctioned on the following terms and conditions;

Terms and Conditions:

Sr.
Particulars Details
No.

1 Name of product : Digital Auto Loan

2 Purpose of loan : Purchase of New Car

3 Facility : Term Loan

4 Sanctioned Limit : 13,00,000/-[Rupees Thirteen Lakh only]

Applicable Rate of Interest is 9.25 % per annum.

which is a sum of: RBI Repo Rate 6% (at present), Mark up of 2.65%
(at present), Strategic Premium of 0.25% (at present), Credit Spread of .
5 Rate of interest : 3% (at present) and Risk Premium of 0.05%

The Interest shall be payable at monthly rests. The Bank shall be

entitled to reset the Interest rate (Including any of its components as
mentioned above) on monthly basis.

Page 7
6 Type of Rate of Interest : Floating Rate of Interest

7 Loan Tenure : 84 Months

9.76 of Ex show room price and RTO charges. **(Insurance amount,

8 Margin% : cost of accessories etc are excluded for the above margin money
calculation.)

Rs. 1,40,640 **

(Note: This is the minimum margin amount/down payment to be paid to

9 Margin Amount :
the dealer along with the loan amount. If higher margin money/down
payment is paid by the customer, accordingly the sanction amount will
get reduced)

Equated Monthly
10 Installment : Rs. 21,082
(EMI) Amount

EMI commencing from 10th of next calendar month from the date of
EMI Commencing from
11 : disbursement. EMI amount Rs. 21,082 will be recovered on 10th of
every month.

12 Disbursement Details : The loan amount will be disbursed directly to Dealer.

Processing fee : 2000

Processing charges
13 : GST : 360
(Non-Refundable)
Stamp duty charges : 300 (as applicable).

Conversion charges
(Switch from Fixed 0.10% on outstanding balance + undisbursed portion (if any). Minimum
14 rate option to floating : Rs. 5,000/- + GST and maximum Rs. 1.00 Lakh + GST per account at
rate option and vice the time of each conversion.
versa)

Page 8
 (i) Penal charges for delayed payment of dues including Principal,
interest, service charges etc.:

2% p.a. on the amount of default.

Note:

Penal charges will be applied solely to overdue payments (instalments

and/or interest/service charges etc.), for the period they remain unpaid
15 Penal Charges : beyond their due date. Penal charges will be calculated based on the
actual number of days of default but will be debited on a monthly basis.

(ii) Penal Charges @ 2% p.a. will be charged on the outstanding balance

of credit facilities of borrower for the default period for following nature
of non-compliance:

a. Non-Submission of documents as per sanction terms

b. Non-compliance in security perfection as per sanction terms.
c. Any other breaches/ non- compliance in material terms of sanction

Prepayment / Part
16 : NIL
Payment Charges

Composite Loan agreement for Digital Auto Loan. In addition to the

17 Security Documents : composite loan document the borrower is required to submit -2- sets of
duly signed Blank TTO forms to respective Branch.

Details of Primary
18 : Hyundai, Verna - SX 1.5 Petrol MT valued at Rs. 14,40,640
Security

Other Conditions:

01.
This sanction is valid for -90- days from the date of sanction.

The Risk Premium 0.05% will be waived if the credit insurance to secure the loan is availed by the
02. customer. The waiver can be availed from the preferred branch after the digital loan application
process

Page 9
 Equated monthly instalments are fixed for the convenience of the borrower, whereby interest
payable towards the loan is spread over the entire term of repayment fixed. The repayment of all
such equated monthly instalment will not be construed as full repayment /settlement of loan account.
03.
On payment of all equated monthly instalments, residual amount if any, in the account due to
debiting of overdue / penal charges / additional interest as a consequence of revision in interest rates,
other incidental charges shall be paid separately by the borrower.

Rate of Interest is linked to BRLLR of the Bank. The BRLLR prevailing on the date of
disbursement will be applicable till the next reset date. The Bank shall be entitled to reset the
Interest rate (including any of the components of BRLLR) on monthly basis.
The Interest Rate under External Benchmark (i.e. RBI Repo Rate component of Interest Rate)
shall be reset at monthly intervals for the existing loan facilities linked to Baroda Repo Linked
Lending Rate (BRLLR). Any change in the RBI repo rate during the month will take effect
from the beginning of the following month.

A. For Floating Rate Loans:

a. Rate of Interest applicable in the loan is floating in nature. EMI and / or tenor or both will be
adjusted for change in benchmark interest rate.
b. The effect of change in rate of interest will be given according to options given. Customer to
give his /her choice within a time period stipulated by the Bank from time to time after change
of benchmark interest rate.
c. Customer will have the following options at the time of reset of interest rate-
Enhancement of EMI keeping tenor of loan unchanged.
Elongation of tenor (subject to compliance of scheme guidelines) and keeping EMI at
existing level.
Combination of above both options.
to prepay, either in part or in full, at any point during the tenor of the loan along with
options available above
d. In case, option is not given by the customer, the effect will be given as under-
As per option given at the time of sanction / option given at the time of immediate
preceding rate rise. Else
First period will be increased to the extent possible as per Bank;s guidelines. Thereafter,
04. EMI amount will be increased (if required) so that loan is closed within revised period.
e. Customer will also have option to switch over to fixed rate. Fixed rate will be reset at periodic
level as per Bank;s guidelines. Charges as applicable at the time of exercising this option are
to be borne by the customer. This option can be exercised maximum -3- times or as decided
by the Bank from time to time during the entire loan tenor.

B. For Fixed Rate Loans:

a. The interest rate applicable to the loan shall remain constant throughout the entire duration of
the loan.
b. Borrower can switch in either of the rate of interest option (fixed or floating) at any time once
in every 3 years. A borrower can switch from fixed to floating or floating to fixed maximum 3
times during entire tenure of the loan (i.e. Presently a fixed rate customer can move to floating
rate, then again to fixed rate and then to floating rate. Thereafter no change allowed).
c. Charges as applicable at the time of exercising this option are to be borne by the customer.
d. Lock-in-period for fixed rate loan will be -3- years i.e. borrower can switch to floating rate
only after expiry of lock-in-period.

e.
Page 10
 e. The Borrower shall be responsible for bearing Prepayment/Part payment charges at a rate of
3% plus GST on amount in case pre-paid within the initial -3- years from the date of first
disbursement of loan amount.

In view of above, due to reset of EMI -

a. Loan period of the borrower may increase subject availability of the room for elongation of
the period.
b. As a consequence of elongation of loan tenor, Group Credit Life Insurance (GCLI) cover
obtained, if any, may not be available for extended period.

The interest on the amount of the Loan will be applied at the prevailing rate per annum on daily
05.
reducing balance with monthly rests.

Page 11
 a. Penal charges will be applied on a monthly basis and calculated for the actual period of non-
compliance.
b. GST on penal charges will be applicable as per the extant guidelines of the Bank.
c. If penal charges remain uncollected in respect of Non-Performing Asset (NPA) accounts,
06. penal charges shall be reversed to the extent it remains uncollected for the specific purpose of
non-recognition of income. However, the same shall be part of the total liability of the
borrower to the Bank.
d. Penal charges shall not exceed 2% of the outstanding balance of credit facilities of borrower,
irrespective of the number of non-compliance instances.
e. Additional penal charges will not be levied on the earlier outstanding amount of penal charges.

The unified processing charges at the rate prescribed by the Bank and GST thereon as prescribed by
07. Government of India will be borne by the borrower. The charges for applicable stamp duty & any
other charges (if applicable) will also be borne by the borrower. Bank will have right to carry out
inspection of vehicle and the charges thereof will be borne by the borrower.

Bank reserves the right to recall the concessions, if any, if the account is not conducted
08.
satisfactory as per stipulated terms of sanction.

E-Mandate/mandate/Standing instruction for repayment of EMIs through ECS/NACH/Auto Debit is

to be executed by the borrower within 30 days from the date of sanction of loan. In case of non-
09. execution of e-mandate/SI/NACH/ECS, borrower has to ensure timely repayment of loan otherwise
penal charges @ 2% p.a. will be charged on the amount of default for delayed payment of dues
including principal, interest, service charges etc.

10. In case of any default / non-compliance the Bank has right to recall the facility.

The facility is granted to you for a period of 84 months, subject to annual renewal, the Bank reserves
the right to recall the facility or alter the terms and conditions at any time, during the currency of the
facility. Bank also reserves the right to discontinue the facility/advance and to with-hold/stop any
11. disbursement, without giving any notice in case of non-compliance/breach of any of the terms and
conditions stipulated herein, or any information / particulars furnished to us found to be incorrect or
in case of any development or situations wherein in the opinion of the Bank, its interest will be/ is
likely to be prejudicially affected by such continuation or disbursements.

The customer acknowledge that (i). Usage of any sanctioned funds by the customer and/or (ii).
12. Acceptance by way of clicking on the check box (I accept & agree) would be deemed acceptance of
the terms and conditions of this sanction letter by the customer.

Page 12
 The borrower has to bear the difference amount in margin in case of escalation of on road price of
13.
the proposed vehicle.

Loan servicing and closure of loan account:- Borrower to contact the respective base branch for loan
14.
servicing and closure of loan account.

The Vehicle is to be insured and the cost of insurance will be borne by the customer under
15. comprehensive insurance policy with Bank clause and a Copy of the insurance policy to
be submitted to the Branch where the Car Loan account opened.

I give my consent to download my/our KYC records from The Central KYC Registry (CKYCR)
16. only for the purpose of verification of my identity and address from the database of CKYCR
Registry.

I/We Understand that my KYC record includes my/our KYC Records/Personal Information such as
17.
my/our name, address, Date of Birth /Date of Incorporation, PAN number etc.

I/We agree that my/our personal KYC details may be shared with Central KYC Registry or any
other competent authority. I/We hereby consent to receive information from the Bank of Baroda/
18. Central KYC Registry or any other competent authority through SMS/ e-mail on my registered
mobile number/e -mail address. I also agree that the non-receipt of any such SMS/ e-mail shall not
make the Bank liable for any loss or damage whatsoever in nature.

This Sanction Letter is issued by Bank of Baroda based on the input provided by you and information
pulled by various data points with your consent to compute the eligibility for Baroda Digital Car Loan.

Page 13
 REPAYMENT SCHEDULE

A: Frequency of repayment: Monthly

B: The EMI/repayment Schedule shall be as follows:

Due date for Monthly Monthly Total EMI (Principal + Outstanding

repayment of EMI Interest Amt Principal Amt Interest) Balance
10-06-2025 10021 11061 21082 1288939
10-07-2025 9936 11146 21082 1277793
10-08-2025 9850 11232 21082 1266561
10-09-2025 9764 11318 21082 1255243
10-10-2025 9676 11406 21082 1243837
10-11-2025 9588 11494 21082 1232343
10-12-2025 9500 11582 21082 1220761
10-01-2026 9411 11671 21082 1209090
10-02-2026 9321 11761 21082 1197329
10-03-2026 9230 11852 21082 1185477
10-04-2026 9139 11943 21082 1173534
10-05-2026 9046 12036 21082 1161498
10-06-2026 8954 12128 21082 1149370
10-07-2026 8860 12222 21082 1137148
10-08-2026 8766 12316 21082 1124832
10-09-2026 8671 12411 21082 1112421
10-10-2026 8575 12507 21082 1099914
10-11-2026 8479 12603 21082 1087311
10-12-2026 8382 12700 21082 1074611
10-01-2027 8284 12798 21082 1061813
10-02-2027 8185 12897 21082 1048916
10-03-2027 8086 12996 21082 1035920
10-04-2027 7986 13096 21082 1022824
10-05-2027 7885 13197 21082 1009627
10-06-2027 7783 13299 21082 996328
10-07-2027 7681 13401 21082 982927
10-08-2027 7577 13505 21082 969422
10-09-2027 7473 13609 21082 955813
10-10-2027 7368 13714 21082 942099
10-11-2027 7263 13819 21082 928280
10-12-2027 7156 13926 21082 914354
10-01-2028 7049 14033 21082 900321
10-02-2028 6940 14142 21082 886179
10-03-2028 6831 14251 21082 871928
10-04-2028 6722 14360 21082 857568
10-05-2028 6611 14471 21082 843097
10-06-2028 6499 14583 21082 828514
10-07-2028 6387 14695 21082 813819
10-08-2028 6274 14808 21082 799011

Page 14
10-09-2028 6160 14922 21082 784089
10-10-2028 6045 15037 21082 769052
10-11-2028 5929 15153 21082 753899
10-12-2028 5812 15270 21082 738629
10-01-2029 5694 15388 21082 723241
10-02-2029 5575 15507 21082 707734
10-03-2029 5456 15626 21082 692108
10-04-2029 5335 15747 21082 676361
10-05-2029 5214 15868 21082 660493
10-06-2029 5092 15990 21082 644503
10-07-2029 4969 16113 21082 628390
10-08-2029 4844 16238 21082 612152
10-09-2029 4719 16363 21082 595789
10-10-2029 4593 16489 21082 579300
10-11-2029 4466 16616 21082 562684
10-12-2029 4338 16744 21082 545940
10-01-2030 4209 16873 21082 529067
10-02-2030 4079 17003 21082 512064
10-03-2030 3948 17134 21082 494930
10-04-2030 3816 17266 21082 477664
10-05-2030 3682 17400 21082 460264
10-06-2030 3548 17534 21082 442730
10-07-2030 3413 17669 21082 425061
10-08-2030 3277 17805 21082 407256
10-09-2030 3140 17942 21082 389314
10-10-2030 3001 18081 21082 371233
10-11-2030 2862 18220 21082 353013
10-12-2030 2722 18360 21082 334653
10-01-2031 2580 18502 21082 316151
10-02-2031 2437 18645 21082 297506
10-03-2031 2294 18788 21082 278718
10-04-2031 2149 18933 21082 259785
10-05-2031 2003 19079 21082 240706
10-06-2031 1856 19226 21082 221480
10-07-2031 1708 19374 21082 202106
10-08-2031 1558 19524 21082 182582
10-09-2031 1408 19674 21082 162908
10-10-2031 1256 19826 21082 143082
10-11-2031 1103 19979 21082 123103
10-12-2031 949 20133 21082 102970
10-01-2032 794 20288 21082 82682
10-02-2032 638 20444 21082 62238
10-03-2032 480 20602 21082 41636
10-04-2032 321 20761 21082 20875
10-05-2032 161 20921 21082 -46

Due date for repayment of EMI is 10th of every month starting from the next month from the date of
disbursement.

** Note:

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Margin money/down payment to dealer:

The margin money mentioned above is the minimum margin/down payment (to be paid to dealer)
which is declared prior to sanction and accordingly sanction amount is approved.
You can increase the margin money contribution (subject to minimum margin money as stated in
this sanction letter) and accordingly the loan amount will be reduced

Options for margin money payment:

1. You can pay the margin money/down payment through online after resuming the digital auto
loan journey.
At the time of loan disbursement to the dealer, Bank will pay the margin money along with the
loan amount directly to the dealer.
2. If you have already paid or wish to pay directly to the dealer, the proof/receipts of the payment to
be submitted to the servicing branch.
In such cases, at the time of loan disbursement to the dealer, Bank will pay only the loan amount
directly to the dealer.

This is an electronically generated sanction letter.

In compliance of RBI, Key Facts Statement (KFS) is incorporated in the Loan Agreement as Schedule/
Annexure.

All Terms and conditions for Baroda Digital Car Loan accepted by

Name of Applicant: RAJAN KUMAR

Date & Time: 21-MAY-2025 12:10

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