Annexure A

Key Facts Statement

Date : 19-Jun-25 VALIDITY : 3 Working days

Part 1 (Interest rate and fees/charges)

1 Loan
proposal/
CDOR000682A00085621 Type of Loan Term Loan - Consumer Durable
account
No.

2 Sanctioned Loan amount (in ₹) 13748.00

3 Disbursal schedule 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) 6 Months

5 Instalment details

Type of Commencement of repayment, post

Number of EPIs EPI ( )₹
instalments sanction

Initial
(I) 0 0.00 19-Jun-25
Installment

(II) Monthly 6 2292.00 05-Jul-25

6 Interest rate (%) and type (fixed or floating or hybrid) 11.79 / Fixed

(l) Interest Amount (Interest Payable at disbursement) (in ₹) 399.0

Page 1 of 6 Acknowledgement No. K-LTR-20250619135329-182555 / ENGLISH

7 Fee/ Charges

Payable to a third party

Payable to the RE (A)
through RE (B)

Amount (in ₹) Amount (in

or Percentage ₹) or
One- (%) as One-
Percentage
time/Recurring applicable time/Recurring
(%) as
applicable
Amount GST

(I) Admin & Processing Fee One-Time 168.64 30.36

8 Annual Percentage Rate (APR) (%)

# 14.62

9 Details of Contingent Charges (in ₹ or %, as applicable)

(I) Penal Charges Rs. 649/-*

(II) Cheque/Mandate Swap Charges Rs. 590/-

(III) Cheque/Mandate Bounce Charges : Mandate Rejection Charge (one Rs. 590/-*

time during loan tenure)

(IV) Preclosure Charges 0 - 4% of Principal Outstanding

(V) Document/Duplicate Document Charges : Duplicate NOC Rs. 250/-

(VI) Document/Duplicate Document Charges : Physical copy of SOA Rs. 500/-

(VII) Document/Duplicate Document Charges : Physical repayment Rs. 500/-

schedule

(VIII) Legal charges On Actuals

(IX) Recovery charges On Actuals

10 Optional Services Opted Amount Payment Mode

(I) OA-Home Assure 999.0 EMI

# APR is exclusive of Optional Services Opted (on down-payment) except for Chola Anmol Program Fee

* GST is not Applicable

Page 2 of 6 Acknowledgement No. K-LTR-20250619135329-182555 / ENGLISH

 Part 2 (Other qualitative information)

1 Clause of Loan agreement The Company shall have full power and authority to appoint one or more third

relating to engagement of parties of the Company choice to verify any fact or information furnished by the

recovery agents Borrower and/or to transfer or delegate to such third parties the right and authority

to take all acts/steps as are necessary for the Company to take in order to recover

/receive amounts due to the Company or collect on behalf of the Company all

unpaid amounts under the Loan, attend the office or residence of the Borrower,

receive the amounts due, and generally perform all lawful acts as the third party

may consider appropriate for such purposes.(Clause 9.13)

2 Clause of Loan agreement which GRIEVANCE REDRESSAL MECHANISM: The Company has laid out a detailed

details grievance redressal grievance redressal mechanism in line with the extant guidelines of RBI. The

mechanism grievance redressal mechanism and contact details are available at

https://cholamandalam.com/grievance-redressal.aspx. The Borrower may get

his/her grievance/s redressed under the said grievance redressal mechanism.

(Clause 9.14)

3 Phone number and email id of the Phone No: 044 – 40906114

nodal grievance redressal officer Email ID : principalnodalofficer@chola.murugappa.com
gro@chola1.murugappa.com

4 Whether the loan is, or in future Yes

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:

Name of the originating RE, along Name of the partner RE along Blended rate of interest
with its funding proportion with its proportion of funding

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 3 Days

RE's board approved policy, during which

borrower shall not be charged any penalty

on prepayment of loan

(ii) Details of LSP acting as recovery agent Not applicable

and authorized to approach the borrower

Page 3 of 6 Acknowledgement No. K-LTR-20250619135329-182555 / ENGLISH

 Annexure B

Computation of APR

Sr Parameter Details
No

1 Total Sanctioned Loan amount (in ₹) (Sl no. 2 of the KFS template – Part 1) 13748

A Sanctioned Loan amount (in ₹) 12749

B Optional Services Opted Amount (in ₹) (payable over balance tenor) 999

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 6 Months

A No. of instalments for payment of principal, in case of non-equated periodic loans NA

B Type of EPI Monthly

Amount of each EPI (in ₹) and
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 2292
(Sl No. 5 of the KFS template – Part 1) 6

C Amount of Initial Instalment (Sl No. 5(l) of the KFS template – Part 1) 0

D No. of instalments for payment of capitalised interest, if any NA

E Commencement of repayments, post sanction (Sl No. 5 of the KFS template – 05/07/2025
Part 1)

3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS template – Part Fixed
1)

4 Rate of Interest (%) (Sl No. 6 of the KFS template – Part 1) 11.79

5 Total Interest Amount to be charged during the entire tenor of the loan as per the 399
rate prevailing on sanction date (in ₹)
A Interest Payable at disbursement (in ₹) 399

B Interest Payable over balance tenure (in ₹) 0

6 Fee/ Charges payable (in ₹) (Sl no. 7 of the KFS template – Part 1) (inclusive of 199
GST)

A Payable to the RE (in ₹) (Sl No.7A of the KFS template-Part 1) (inclusive of GST) 199

B Payable to third-party routed through RE (in ₹) (Sl No.7B of the KFS template – 0
Part 1) (inclusive of GST)

Page 4 of 6 Acknowledgement No. K-LTR-20250619135329-182555 / ENGLISH

 C(i) Total amount for Optional Services Opted by borrower paid upfront (in ₹) (Sl 0
No.10 of the KFS template-Part 1) (inclusive of GST)

C(ii) Total amount for Optional Services Opted by borrower paid over EMIs (in ₹) (Sl 999
No.10 of the KFS template-Part 1) (inclusive of GST)

7 Net disbursed amount [1- {2(c)+5A+6(A+B +Ci & ii) }] (in ₹)# 11925

8 Total amount to be paid by the borrower (1+5) (in ₹) 14147

9 Annual Percentage rate- Effective annualized interest rate(%) (Sl No.8 of the KFS 14.62
template-Part 1) **

10 Schedule of disbursement as per terms and conditions Detailed schedule to be

Provided

11 Due date of payment of instalment and interest 05

th
of the month

** APR is exclusive of Optional Services Opted (on down-payment) except for Chola Anmol Program Fee

# Net disbursed amount is net-off the Dealer Subvention amount of Rs. 226 borne by the dealer

Acceptance from borrower

A
✓ OTP verify by: RACHIT KUMAR PRADHAN
Mobile 6370857884
IP 192.0.0.4
Lat & Long 20.1850939 & 85.6211607
Date and Thu Jun 19 2025 13:53:56 GMT+0530
time (India Standard Time)
Borrower Name & Signature

Page 5 of 6 Acknowledgement No. K-LTR-20250619135329-182555 / ENGLISH

 Annexure C

Repayment Schedule under Equated Periodic Instalment for the loan detailed hereinbelow

Instalment No. Outstanding Principal (in ₹) Principal (in ₹) Interest (in ₹) Instalment (in ₹)
I 13748 399 0 399

1 13349 2222 70 2292

2 11127 2183 109 2292

3 8944 2204 88 2292

4 6740 2226 66 2292

6 2266 2266 22 2288

5 4514 2248 44 2292

(I) : Initial Instalment Entry includes Interest Payable at disbursement

I/We can read and understand the terms in English. I/We agree to receive all documents/correspondence in
English.”

I/We acknowledge that all the key facts of the loan agreement are explained in the Key Fact Statement and I/We
have fully understood the same and taken an informed decision

“Further, I/We hereby give my/our consent to deduct Insurance premium in relation to the insurance scheme, if any,
as agreed and opted for by me/us and I/We am/are aware that the same will be deducted from the loan amount at
the time of disbursal.

Read, understood and accepted

Acceptance of Borrower
A
✓ OTP verify by: RACHIT KUMAR PRADHAN
Mobile 6370857884
IP 192.0.0.4
Lat & Long 20.1850939 & 85.6211607
Date and Thu Jun 19 2025 13:53:56 GMT+0530
time (India Standard Time)
Borrower Name & Signature

*” Please note that the repayment schedule provided hereinabove is tentative which may change on the basis of
actual date and quantum of Loan disbursement and the revised repayment schedule will be communicated to
Borrower and the same shall be considered as part of the Key Fact Statement”.

Page 6 of 6 Acknowledgement No. K-LTR-20250619135329-182555 / ENGLISH