General Details

1 Date of KFS (T) 14/05/2025

Name of Regulated Entity (RE)
2 Tata Capital Limited (TCL)
/ Lender
3 KFS Validity T + 3 Working Days
Name of
a) Pracheta Pandey
Borrower
Details of the Borrower/s and
4 b) Constitution Individial
Co-Borrower/s
House number 131 Reeva road Bathua Mahuaria Mirzapur Uttar Pradesh , Near shiv
c) Address
mandir , Mirzapur , Uttar Pradesh , 231001
5 IP Address 152.59.174.25
6 OTP Consent Date And Time 14/05/2025 16:00:52
7 Mobile Number 8881056254

Key Facts Statement

Part 1 (Interest rate and fees/charges

Loan proposal /
account No. / Webtop No.-KFS_708TZ8607722
1 Type of Loan Two-Wheeler Loan
Unique Proposal _1405_1600
Number.
2 Sanctioned Loan amount (in Rupees) 80,680
Disbursal schedule

(i) Disbursement in stages or 100% upfront.

3 100% Upfront
(ii) If it is stage wise, mention the clause
of loan agreement having relevant details

4 Loan term (year/months/days) 36

5 Instalment details
Type of instalments Number of EPIs EPI (Rs.) First EMI Date
Sr. Disbursement
EPI cycle date
No date
1st to 15th of the
Monthly 36 2,917 1 4th of next month
month
4th of next to
2 16th to EOM
next month
Interest type (fixed or floating
6 Interest rate (%) IRR - 18.01 % p.a Fixed
or hybrid)
7 Additional Information in case of Floating rate of interest
Reset
Impact of change in the reference benchmark(for 25
Benchmark periodicity.(Months)
Reference Final rate (%) R = bps change in ‘R’, change in)
rate (%) Spread (%) (S)
Benchmark (B) + (S) ____________________________________
(B) _________________
EPI () | No. of EP
B | S
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL Payable to a third party through TCL
Amount (in )
One-time/ or Percentage Amount (in ) or Percentage(%) as
One-time/Recurring
Recurring (%) as applicable
applicable
(i) Processing fees One time Rs. 807.63
(ii) Insurance charges One time Rs. 0.00
(a) HDFC - Life Insurance One time Rs. 0.00
(b) TATA AIG – General Insurance One time Rs. 0.00
(iii) Valuation Fees NA NA
(iv) Any Other
(a) Stamp Duty One Time Rs. 0.00
PDD Charges – Post Disbursal
(b) One Time Rs. 500.00
Docs
(c) Documentation Charges One Time Rs.
(d) CPP – Card Protection Plan One Time Rs. 0.00
(e) Broken Period interest One Time 0
9 Annual Percentage Rate (APR) (%) 19.40 % p.a
10 Details of Contingent Charges (in or %, as applicable )
Penal charges, if any, in case of delayed For default in payment of interest and/ or principal amounts - 3% p.m.
(i)
payment on defaulted amount (Annualized Penal Charge of 36%)
(ii) Other penal charges, if any
For Dishonour of Cheque / Payment Instrument
(a) Rs. 600/- per instrument per instance
/ Mandate
Rs.450 (Charges will be levied if new mandate form is not registered
(b) For Mandate Rejection within 30 days from the date of rejection of previous mandate form by
Borrower’s bank for any reasons whatsoever)
(c) For Non creation/perfection of security NIL
(iii) Pre-payment/ Foreclosure charges, if applicable 5% of the principal outstanding at the time of foreclosure
Charges for switching of loans from floating to
(iv) NA
fixed rate and vice versa
(v) Any other Charges
(a) Statement of Account Rs.300/-
(b) Duplicate Repayment Schedule Nil
(c) Foreclosure report Rs.550/-
(d) Payment Instruments swapping Rs.550/- each time
(e) Repossession Charges Rs.8,000/-
(f) Cancellation Charges 2% of the Facility amount or Rs.5750/- Whichever is higher
(g) PDC Charges – Post Dated Cheques Rs.850/-
(h) Duplicate NOC Rs.300/-

Part 2 (Other qualitative information)

Please refer to the Clause ‘Miscellaneous Terms’ in the

 1 Clause of Loan agreement relating to engagement of recovery agents Specific Agreement/Terms and Conditions
Please refer to the Clause ‘Miscellaneous Terms’ in the
2 Clause of Loan agreement which details grievance redressal mechanism
Specific Agreement/Terms and Conditions
Name- Ms. Francyna Dias
3 Phone number and Email ID of the nodal grievance redressal officer Phone Number- 18602676060
Email ID- seniorcroretail@tatacapital.com
Whether the loan is, or in future maybe, subject to transfer to other REs or
4 Yes
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 interest
funding proportion proportion of 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
3 days from the date of loan disbursal
borrower shall not be charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized to approach the borrower NA

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
• Interest for the Broken period (BPI)/ Pre-Monthly Instalment Interest (PMII) would be collected as a part of the Interest
portion of the first EMI and the differential amount of EMI would be collected at the end of the tenure.
• 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 the APR, please refer the calculation of APR given below.
• Any revision in charges shall be updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the
Borrowers.

Computation of APR

S.no Parameter Details

1 Sanctioned Loan amount (in Rupees) (Sl no.2 of the KFS – Part 1) 80,680
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS– Part 1) 36
No. of instalments for payment of principal, in case of non- equated periodic
a) NA
loans
Type of EPI Monthly
b) Amount of each EPI (in Rupees) and 2,917
nos. of EPIs (Sl No. 5 of the KFS – Part 1) 36
c) No. of instalments for payment of capitalised interest, if any NA
Disbursement date EPI cycle date
d) Commencement of repayments, Post Sanction 1st to 15th of the month 4th of next month
16th to EOM 4th of next to next month
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS – Part 1) Fixed
4 Rate of Interest (Sl No. 6 of the KFS – Part 1) 18.01 % p.a
Total Interest Amount to be charged during the entire tenor of the loan as per
5 23660
the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 1543.00
A Payable to TCL (Sl No.8A of the KFS -Part 1) 1307.63
B Payable to third-party routed through TCL (Sl No.8B of the KFS – Part 1) 0.00
C Total GST on all the fees and charges 235.37
7 Net disbursed amount (1-6) (in Rupees) 79,137
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 104,340
Annual Percentage rate- Effective annualized interest rate (in percentage)10 (Sl
9 19.40%
No.9 of the KFS-Part 1)
10 Schedule of disbursement as per terms and conditions NA
11 Due date of payment of instalment and interest 4th of every month

Repayment Schedule

Outstanding Principal (in

Instalment No. Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)
1 80680 2110 807 2917
2 78570 1738 1179 2917
3 76832 1764 1153 2917
4 75068 1790 1127 2917
5 73278 1817 1100 2917
6 71461 1844 1073 2917
7 69617 1872 1045 2917
8 67745 1900 1017 2917
9 65845 1929 988 2917
10 63916 1958 959 2917
11 61958 1987 930 2917
12 59971 2017 900 2917
13 57954 2047 870 2917
14 55907 2078 839 2917
15 53829 2109 808 2917
16 51720 2141 776 2917
17 49579 2173 744 2917
18 47406 2206 711 2917
19 45200 2239 678 2917
20 42961 2272 645 2917
21 40689 2306 611 2917
22 38383 2341 576 2917
23 36042 2376 541 2917
24 33666 2412 505 2917
25 31254 2448 469 2917
26 28806 2485 432 2917
27 26321 2522 395 2917
28 23799 2560 357 2917
29 21239 2598 319 2917
30 18641 2637 280 2917
31 16004 2677 240 2917
32 13327 2717 200 2917
 33 10610 2758 159 2917
34 7852 2799 118 2917
35 5053 2841 76 2917
36 2212 2212 33 2245

Note:

The Repayment Schedule and its figures and calculation are as on 14/05/2025 and may vary based on the applicable date of
disbursement.

I confirm that I have thoroughly read and understood the Key Facts Statement.

___________________ ___________________
Borrower Co-Borrower