Annexure-1
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ Account Type of Loan
No.
2 Sanctioned Loan amount (in Rupees)
3 Disbursal schedule
(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)
5 Instalment details
Type of instalments Number of EPI (₹) Commencement of repayment,
EPIs post sanction
6 Interest rate (%) and type (fixed or floating
or hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmar Spread (%) (S) Final rate Reset Impact of change in the
Benchmar k rate (%) (%) R = periodicit reference benchmark
k (B) (B) + (S) y (for 25 bps change in ‘R’, change
(Months) in:3)
B S EPI (₹) No. of EPIs
8 Fee/ Charges#
Payable to the RE (A) Payable to a third party through
RE (B)
One- Amount One-time Amount (in ₹) or
time / (in ₹) or /Recurring Percentage
Recurrin Percentage (%) as applicable5
(%) as
g
applicabl
e
(i) Processing fees
(ii) Insurance charges
(iii) Valuation fees
(iv) Any other (please
specify)
9 Annual Percentage Rate (APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, in case of delayed payment
(ii) Other penal charges, if any
(iii) Foreclosure charges, if applicable
(iv) Charges for switching of loans from floating to fixed rate and
vice versa
Bank of Baroda, KUNCHANAPALLI BRANCH, Beside Aravinda School, KLU Road, Tadepalli (Md),
GUNTUR- 522501, A.P., India. E-mail: vjkunc@bankofbaroda.com
(v) Any other charges (please specify)
# Indicative but not exhaustive list of applicable service charges
Sr No Service Charges
1. Processing charges for DL/TL/DPG/Corp Loan
2. Processing charges for Real Estate Advances and Future Rent Receivables
3. Review/Annual Review of short Term loan /DL/Corporate Loan/TL/DPG
4. Processing charges for giving agreement in principle in respect of advances
account
5. Documentation Charges
6. Charges for carrying out inspection of securities charged to the bank (for other
than retail loans)
7. Providing Credit opinion (including opinion & introduction)
8. Issuing of NOC of all types like granting NOC for ceding pari passu-charge,
exclusive charge, 2nd charge etc. (Not applicable in case of NOC / Exchange of
pari-passu letter in consortium accounts.
9. Revision of Repayment schedule in respect of TL/DL
10. Fee for opening / operating Escrow/ TRA A/Cs. (Trust & Retention A/c.)
11. (A) Charges for TEV study (when report is not shared with the customer)
12. (B) TEV Study (When report is shared with the customer) (C) Vetting/ waiver of
TEV Reports
13. Out of pocket expenses for TEV study
14. Mortgage Creation Charges (Other than retail and Priority sector)
15. Prepayment charges on Term Loan/ Demand Loan/ Working Capital Demand Loan
16. Modification Charges
17. Revalidation of Sanction
18. Lead Bank charges as Leader of Consortium on total assessed limits
19. Charges for copy of the documents for submission to any statutory authority
20. Charges if presence of bank official is required along with the documents for
photocopies
21. Charges for cancellation of Bank's lien on Government Securities/LIC Policies on
closure of the Loan
22. Consortium Meeting Holding Charges
23. Valuation (Third party)
24. Legal (Third Party)
25. Credit Bureau (Third Party)
Part 2 (Other qualitative information)
Bank of Baroda, KUNCHANAPALLI BRANCH, Beside Aravinda School, KLU Road, Tadepalli (Md),
GUNTUR- 522501, A.P., India. E-mail: vjkunc@bankofbaroda.com
1 Clause of Loan agreement relating to
engagement of recovery agents
2 Clause of Loan agreement which details
grievance redressal mechanism
3 Phone number and email id of the nodal
grievance redressal officer
4 Whether the loan is, or in future maybe,
subject to transfer to other REs or
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 Name of the partner RE Blended rate of interest
RE, along along with its
with its funding proportion of funding
proportion
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 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
Annex II
Bank of Baroda, KUNCHANAPALLI BRANCH, Beside Aravinda School, KLU Road, Tadepalli (Md),
GUNTUR- 522501, A.P., India. E-mail: vjkunc@bankofbaroda.com
Illustration for computation of APR for Retail and MSME
loans
Sr. Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) ( Sl no. 2 of the KFS template –
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template –
Part 1)
a) No. of instalments for payment of principal, in case of non- equated
periodic loans
b) Type of EPI
Amount of each EPI (in Rupees) and
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 capitalized interest, if any
d) Commencement of repayments, post sanction (Sl No. 5 of the KFS
template – Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS
template – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1)
5 Total Interest Amount to be charged during the entire tenor of the loan
as per the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable8 (in Rupees)
A Payable to the RE (Sl No.8A of the KFS template-Part 1)
B Payable to third-party routed through RE (Sl No.8B of the KFS
template – Part 1)
7 Net disbursed amount (1-6) (in Rupees)
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees)
9 Annual Percentage rate- Effective annualized interest rate (in
percentage)10 (Sl No.9 of the KFS 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 DDMMYYY
Y
Illustrative Repayment Schedule under Equated Periodic Instalment
for the hypothetical loan illustrated in Annex B
Bank of Baroda, KUNCHANAPALLI BRANCH, Beside Aravinda School, KLU Road, Tadepalli (Md),
GUNTUR- 522501, A.P., India. E-mail: vjkunc@bankofbaroda.com
Instalme Outstandin Principal Interest Instalment
nt No. g Principal (in (in (in
(in Rupees) Rupees) Rupees)
Rupees)
Bank of Baroda, KUNCHANAPALLI BRANCH, Beside Aravinda School, KLU Road, Tadepalli (Md),
GUNTUR- 522501, A.P., India. E-mail: vjkunc@bankofbaroda.com
