Key Fact Statement

Section 1 (Interest Rate and Fees/Charges)

(For Financing under Solar Roof Top- Digi Surya Ghar)

Applicant Name: SANDEEP PARASHAR

(1). Loan Proposal / Account PNB-DSG- Type of Loan TERM LOAN

No 200525-004078
(2) Sanctioned Loan Amount (in Rupees) Rs.195000.00
(3) Disbursal schedule
(i) Stages (ii) As per extant guidelines,
(i) Disbursement in stages or 100% maximum 70% of the total project cost
upfront. will be disbursed initially and remaining
30% will be disbursed after installation of
(ii) If it is stage wise, mention the clause solar roof top. Disbursement shall be
of loan agreement having relevant details done manually by the concerned branch.
(4) Loan term (year/months/days) 120 Months (including moratorium)
(5) Moratorium 0 Months
(6) Instalment details
Type of Instalment Number of EPIs EPI (₹) Commencement of
repayment, post
sanction
MONTHLY 120 2215.00 Within 30 days from
the date of account
opening.
(7) Interest rate (%) and type (fixed or 6.50% Floating
floating or hybrid)
(8) Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final rate Reset Impact of change in the reference
rate (%) (%) (S) (%) R = periodicity¹ benchmark (for 25 bps change in ‘R’,
Benchmark (B) (B) + (S) change in:)
(Months)
B S² EPI (₹) No. of
EPIs

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 Repo 6% 0.5% 6.50% As and Markup - Once Impact of 120
Rate when in three years Decrease
Repo of 25bps
Rate Credit Risk change in
Changes Premium – As 'R' EMI:-
³ and when credit Rs2190/-.
assessment Impact of
undergoes a Increase
substantial of 25bps
change change in
'R' EMI:-
Rs. 2240.
/-

(9) Fee/ Charges ⁴

Payable to Bank (A) Payable to a third party
through Bank (B)
Fees/Charges One-time ⁵ / Amount (in One-time/ Amount (in
Recurring ⁶ ₹) or Recurring ₹) or
Percentage Percentage
(%) as (%) as
applicable⁷ applicable ⁴
(i) Processing / Upfront fees NA NA NA NA
(ii) Insurance charges NA NA NA NA
(iii) Valuation fees NA NA NA NA
(iv) Any Other Charges ⁸ NA NA NA NA
a) Documentation Charges NA NA NA NA
b) Lead Bank Charges NA NA NA NA
c) Techno Economic Viability NA NA NA NA
Charges
d) Mortgage Creation Charges NA NA NA NA
e) Fee For Opening / Operating NA NA NA NA
TRA / ESCROW Account
f) Loan / Debt Syndication and NA NA NA NA
Project Appraisal Charges
g) Project Implementation & NA NA NA NA
Monitoring Fee & Security
Agency Fee
h) Credit Information Report (CIC) One Time Rs. 100/- + NA NA
Charges GST
i) NeSL Charges NA NA NA NA
j) CERSAI Charges NA NA NA NA
k) Legal Opinion / Charges NA NA NA NA
l) Vetting of Loan Documents NA NA NA NA
m) Any charges other than NA NA NA NA
prescribed above

(10) Annual Percentage Rate (APR) (%) ⁹ 6.50

(11) Details of Contingent Charges (in ₹ or %,
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 (i) Penal charges¹⁰, if The events where the account attracts levying of penal charges are
any, in case of as under:
delayed payment a) Default in repayment of loans;
b) Irregularities in Overdraft accounts;
i. In case of irregularities in OD accounts due to levy of
monthly interest or service charges or/and the outstanding balance
in the OD account is in excess of the sanctioned limit/drawing
power, the customer has to regularize the account within the time
period of 7 days. If the account is not regularized, penal charges is
to be levied from first date of default.
c) Non-submission of complete papers by the borrower for
review/renewal of credit facilities as per terms and conditions of
sanction.
d) Non-creation/perfection of Security as per Terms and
conditions of sanction;
e) Non-compliance of Terms and conditions of sanctions (other
than specified above).
6.3 Penal charges for the period of default is to be levied as under:
I. On the amount of default/irregularity
(i) For any one of trigger events stated at point no. (a) & (b)
above: 2.00% p.a.
(ii) For two or more trigger events stated at point no. (a) & (b)
above: 3.00% p.a.

II. On the total outstanding

(i) For one or more trigger events stated at point no. (c) to (e)
above: 2.00% p.a.

Note for I and II: If the trigger events are a combination of point (a)
to (b) and point (c) to (e) then penal charges shall be capped at 4%
p.a., i.e., 2% on the default/irregularity and 2% on the outstanding
amount.
(ii) Other penal charges As mentioned in point no. 11(i)
if any

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 (iii) Foreclosure Penal charges on pre-payment/foreclosure of loan in case of
charges¹¹, if takeover i.e. loan is prepaid by the non-individual borrower for
applicable shifting to other Bank/ FI.
1. Pre-payment charges shall be applicable @2% of the pre-
paid outstanding amount in case of Term Loans only & not to other
facilities such as Non-Fund based, Working Capital Limits,
Overdrafts etc.
2. However, no prepayment charges are to be levied in the
following cases:
(a) Floating rate term loan (Non-Business) sanctioned to
Individual Borrowers.
(b) Loans sanctioned at a fixed rate with reset clause, if the
borrower exercises his option for floating rate interest at the time of
reset.
(c) Where the loans are prepaid by the borrowers from their own
sources.
(d) Where the borrower shifts to other banks within 30 days from
the date of issuance of circular for upward revision in the spread to
be charged in his account or change in other terms of sanction.
(e) In case of upward revision in the interest rate due to reset of
benchmark rates and the borrower informs the Bank within 30 days
from the date of reset & shifts its account to other Bank within 90
days from the date of reset.
3. Non-repayment of Interest or EMI on the due date will
amount to default and may affect the CIC score.
(iv) Charges for switching 1. At the time of change (Increase/ decrease) in the benchmark
of loans from floating rate, the borrower shall have the option to move/switch over to fixed
to fixed rate and vice rate/floating rate or vice versa on equated installment-based
versa personal loans.
2. In case of Finance for installation of rooftop solar power
system maximum one switchover is permitted during the entire tenor
of the loan.
3. Switchover charges shall be @0.50% of the outstanding loan
amount or Rs. 10,000/-, whichever is lower be applied to cover the
incidental cost incurred by the Bank. GST shall be levied as
applicable in case of any change in applicable charges for switching
over to fixed rate, the same shall also be notified at the website of
the bank www.pnbindia.in.
(v) Any other charges NA
(please specify)
a) Commitment NA
Charges
b) Amendment in Terms NA
and Conditions of
Sanction
c) Others, if any NA

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 ¹ Fixed reset, other than on account of changes in credit profile
² Credit risk premium may undergo change only when borrower’s credit assessment undergoes a
substantial change, as agreed upon in the loan contract. Further, other components of spread i.e.
mark up may be altered once in three years.
³In case of change in Repo Rate by RBI, the repo rate lending rate (RLLR) will be changed from
the next working day for all borrowers.
⁴ Disclose the amount net of any taxes such as GST
⁵ For standalone term loans, with sanctioned limit less than ₹2.00 Cr, only one-time upfront fees
shall be recovered.
⁶ For terms loans less than ₹2.00 Cr which are reviewed along with regular WC facility and term
loans other than retail loans with sanctioned limit of ₹2 Cr & above, annual review charges for
term loan as prescribed by the bank shall be recovered.
⁷ Mention frequency, where recurring
⁸ Specify the other charges applicable as per the bank’s prescribed schedule of charges
⁹ Refer Part B Point No. 9
¹⁰ Penal Charges shall be applicable as per Policy on Penal Charges on Advances
¹¹ Foreclosure Charges shall be applicable, as prescribed in the Policy on Penal Charges on
Advances

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 Key Fact Statement
Section 2 (Other Qualitative Information)
Applicant Name: SANDEEP PARASHAR

Parameter Details
1. Clause of Loan 1. The rights, powers and remedies available under relevant
agreement relating to provisions of Law to the Bank in case of default of repayment of
engagement of loan by the borrower and under these presents may also be
recovery agents ¹² exercised by the Bank through Agents/Recovery agent/
Enforcement agency/BC/CBC and the Bank may engage and
delegate any or all of the said powers and authorities to said
persons.
2. Details of recovery agent /enforcement agency/BC/CBC
shall be informed to the borrower in case of engagement of the said
person by Bank while assigning their account to recovery
agents/enforcement agency.
3. The RBI guidelines /Bank extant guidelines for loan recovery
agent and process shall be adhered to by the Bank.
4. The Bank may at the risk and cost of the Borrower engage
one or more recovery agent/enforcement agency to collect the
Borrower’s outstanding and/or to enforce any security and may
furnish to such person the right and authority to perform and
execute all acts, deeds, matters and things connected therewith or
incidental thereto as the Bank thinks fit and for anything required to
be done for/ in relation to/ pursuant to the loan , including
collections, recovery of dues, getting or verifying any information of
the Borrower/ assets, and any necessary or incidental lawful acts/
deeds/ matters and things connected thereto, as the Bank may
deem fit.
5. Further, the Bank shall be entitled to forthwith take physical
possession of the assets hypothecated and/or mortgaged to the
Bank and alienate sell, transfer the said properties either by itself or
through its recovery agent/enforcement agency and sell or
otherwise deal with the same to enforce the Bank’s security and
recover the dues under relevant provisions of law.
6. The Borrower also agrees that the Bank shall have the absolute
discretion to disclose the information/data relating to the Borrower or
information in respect of the borrowal account with the Bank to Page
5 of 11 any recovery agent/s /enforcement agency/ies as the Bank
may think fit and such recovery agent/s or agency/ies shall take
appropriate steps against the Borrower for recovery of dues or
against the securities offered to the Bank.
¹² Clause 11 of PNB 639 Term Loan agreement provides the clause on “Receiver”

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 2. Clause of Loan There can be instances where the Borrower is not satisfied with the
agreement which services provided. To highlight such instances & register a
details grievance complaint the Borrower may follow the following process:
redressal mechanism a) Borrower can meet or write to the Branch Head of the
concerned branch or
b) The Borrower can complain to customer care through our
website: www.pnbindia.in or email at care@pnb.co.in or through
Internet Banking/ Mobile Banking or on toll free number.
c) In case the grievance remains unresolved beyond a period
of 15 days, the borrower may escalate the matter to Principal Nodal
Officer, Punjab National Bank, Customer Care Division, Head
Office, Sector 10 Dwarka, New Delhi 110075.
3. Phone number and Contact No: 1800 1800/2021 Email Id: kfs@pnb.co.in
email id of the nodal
grievance redressal
officer¹³
4. Whether the loan is, YES
or in future may be,
subject to transfer to
other Bank/FI or
securitisation (Yes/
No)
5. In case of lending
under collaborative
lending
arrangements (e.g.,
co-lending/
outsourcing),
following additional
details may be
furnished:
(i). Name of the NA
originating Bank/FI,
along with its funding
proportion
(ii). Name of the partner NA
Bank/FI along with its
proportion of funding
(iii). Blended rate of NA
interest
6. In case of digital
loans, following
specific disclosures
may be furnished

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(i). Cooling off/look-up 3 DAYS
period, in terms of
Bank’s board
approved policy,
during which
borrower shall not be
charged any penalty
on prepayment of
loan
(ii). Details of LSP acting NA
as recovery agent
and authorized to
approach the
borrower

This Key Fact Statement (KFS) shall form part of the loan documents to be
executed in pursuance to sanction letter dated 20-05-2025.
Date: 20-05-2025
For Punjab National Bank
Place: SAHARANPUR, CIVIL LINES Digitally signed by
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Date: 2025.05.20 16:16:14 +05:30
Authorized Signatory:

Section 3 (Acknowledgement & Acceptance)

I acknowledge that the contents of KFS have been explained to me by the

Branch and I have understood the same.

Further, I hereby accept the KFS along with the computation of APR and
Amortization schedule.

Date:20-05-2025
Place:SAHARANPUR
Borrower’s Name & Signature: SANDEEP PARASHAR [ Digitally Accepted
Through OTP ]20-05-2025 16:16:11
Address: S/O LATE SH S. K. SHARMAD/14 BASANT VIHAR SAHARANPUR
Mobile No. :8272033381

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 Key Fact Statement
ANNEXURE I
(Part-B)
Computation of APR for Digi Surya Ghar

Parameter Details
1. Sanctioned Loan amount (in Rupees) (Sl no. 2 of the Rupees 195000.00 /-
KFS template – Part 1 of Annexure I)
2. Loan Term (in years/ months/ days) (Sl No.4 of the KFS 120 Months
template – Part 1 of Annexure I)
a) No. of instalments for payment of principal, in case of NA
non-equated periodic loan
b) Type of EPI Monthly (EMI)
, Amount of each EPI (in Rupees), and ₹2215.00/-
No. of EPIs (e.g., no. of EMIs in case of monthly 120
instalments)
(Sl No. 5 of the KFS template – Part 1 )
c) No. of instalments for payment of capitalised interest, if NA
any
d) Commencement of repayments, post sanction (Sl No. 5 Within 30 days from the date of
of the KFS template – Part 1 of Annexure I) account opening
3. Interest rate type (fixed or floating or hybrid) (Sl No. 6 of Floating
the KFS template – Part 1 of Annexure I)
4. Rate of Interest (Sl No. 6 of the KFS template – Part 1 of 6.50%
Annexure I)
5. Total Interest Amount to be charged during the entire 70751.00
tenor of the loan as per the rate prevailing on sanction
date (in Rupees)
6. Fee/ Charges payable¹⁴ (in Rupees) Rs.100/-
A. Payable to the Bank (Sl No.8A of the KFS template-Part Rs. 100
1 of Annexure I)
B. Payable to third-party routed through Bank (Sl No.8B of NA
the KFS template – Part 1 of Annexure I)
7. Net disbursed amount (1-6) (in Rupees) Rs.194900.00/-
8. Total amount to be paid by the borrower (sum of 1 and 265751.00
5) (in Rupees)
9. Annual Percentage Rate- Effective annualized interest 6.50 %
rate (in percentage )¹⁵ (Sl No.9 of the KFS template-Part
1 of Annexure I)

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 10. Schedule of disbursement as per terms and conditions As per extant guidelines,
maximum 70% of the total
project cost will be disbursed
initially and remaining 30% will
be disbursed after installation of
solar roof top. Disbursement
shall be done manually by the
concerned branch.
11. Due date of payment of instalment and interest Within 30 days from the date of
account opening

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 ANNEXURE I
(Part-C)
Amortization Schedule

installment
No. Outstanding Principal (in Interest (in Installment (in
Principal (in Rupees.) Rupeess.) Rupees)
Rupees.)
1 195000 1158 1057 2215
2 193842 1165 1050 2215
3 192677 1171 1044 2215
4 191506 1177 1038 2215
5 190329 1184 1031 2215
6 189145 1190 1025 2215
7 187955 1196 1019 2215
8 186759 1203 1012 2215
9 185556 1209 1006 2215
10 184347 1216 999 2215
11 183131 1223 992 2215
12 181908 1229 986 2215
13 180679 1236 979 2215
14 179443 1243 972 2215
15 178200 1249 966 2215
16 176951 1256 959 2215
17 175695 1263 952 2215
18 174432 1270 945 2215
19 173162 1277 938 2215
20 171885 1283 932 2215
21 170602 1290 925 2215
22 169312 1297 918 2215
23 168015 1304 911 2215
24 166711 1311 904 2215
25 165400 1319 896 2215
26 164081 1326 889 2215
27 162755 1333 882 2215
28 161422 1340 875 2215
29 160082 1347 868 2215
30 158735 1355 860 2215
31 157380 1362 853 2215
32 156018 1369 846 2215
33 154649 1377 838 2215
34 153272 1384 831 2215
35 151888 1392 823 2215
36 150496 1399 816 2215
37 149097 1407 808 2215
38 147690 1415 800 2215
Digitally signed by 39 146275 1422 793 2215
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 40 144853 1430 785 2215
41 143423 1438 777 2215
42 141985 1445 770 2215
43 140540 1453 762 2215
44 139087 1461 754 2215
45 137626 1469 746 2215
46 136157 1477 738 2215
47 134680 1485 730 2215
48 133195 1493 722 2215
49 131702 1501 714 2215
50 130201 1509 706 2215
51 128692 1517 698 2215
52 127175 1526 689 2215
53 125649 1534 681 2215
54 124115 1542 673 2215
55 122573 1551 664 2215
56 121022 1559 656 2215
57 119463 1567 648 2215
58 117896 1576 639 2215
59 116320 1584 631 2215
60 114736 1593 622 2215
61 113143 1602 613 2215
62 111541 1610 605 2215
63 109931 1619 596 2215
64 108312 1628 587 2215
65 106684 1637 578 2215
66 105047 1645 570 2215
67 103402 1654 561 2215
68 101748 1663 552 2215
69 100085 1672 543 2215
70 98413 1681 534 2215
71 96732 1691 524 2215
72 95041 1700 515 2215
73 93341 1709 506 2215
74 91632 1718 497 2215
75 89914 1727 488 2215
76 88187 1737 478 2215
77 86450 1746 469 2215
78 84704 1756 459 2215
79 82948 1765 450 2215
80 81183 1775 440 2215
81 79408 1784 431 2215
82 77624 1794 421 2215
83 75830 1804 411 2215
84 74026 1814 401 2215
85 72212 1823 392 2215
86 70389 1833 382 2215
87 68556 1843 372 2215
88 66713 1853 362 2215
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 89 64860 1863 352 2215
90 62997 1873 342 2215
91 61124 1883 332 2215
92 59241 1894 321 2215
93 57347 1904 311 2215
94 55443 1914 301 2215
95 53529 1925 290 2215
96 51604 1935 280 2215
97 49669 1945 270 2215
98 47724 1956 259 2215
99 45768 1967 248 2215
100 43801 1977 238 2215
101 41824 1988 227 2215
102 39836 1999 216 2215
103 37837 2010 205 2215
104 35827 2020 195 2215
105 33807 2031 184 2215
106 31776 2042 173 2215
107 29734 2053 162 2215
108 27681 2065 150 2215
109 25616 2076 139 2215
110 23540 2087 128 2215
111 21453 2098 117 2215
112 19355 2110 105 2215
113 17245 2121 94 2215
114 15124 2133 82 2215
115 12991 2144 71 2215
116 10847 2156 59 2215
117 8691 2167 48 2215
118 6524 2179 36 2215
119 4345 2191 24 2215
120 2154 2203 12 2215

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