Date : 21-Mar-2025 11:08:41

CUSTOMER COPY
Branch Contact No:

BRANCH Nagaram

LOCATION Old No: H.No:107/3/3 New No: 9-948, S V Nagar Main Road Nagaram, Opp Water Health Plant Medchal
Dist,Hyderabad-500083
I KOKKULA PURUSHOTHAM,CUSTOMER ID: 1271564 DO HEREBY CONFIRM HAVING AVAILED A LOAN ON THE BELOW
TERMS
PLEDGE DATE 21-MAR-25 LOAN ACCOUNT NO FEDGL03790005347 TENURE 360DAYS

LOAN 136400 EMAIL ID Purushotham190@gmail.com DOB 02-JAN-90

UCICID 13296190 PRIVILEGE CARD NO NA

22CT
GROSS WEIGHT Ornament Carat CONVERTED Ornament Broken
SL NO ORNAMENT DESCRIPTION UNITS REMARKS
(in Grams) (in CT) WEIGHT

NECKLACE - with stones -

1 1 27.2 22 24.7 NO
closed setting
Total 1 27.2 24.7

SCHEDULE OF PROCESSING FEE: Rs. 25 STAMP DUTY(If applicable):Rs. 0 PRIVILEGE 0.00

CHARGES CARD:Rs.
(Including of 18%
DUPLICATE GPC (If applicable): NIL

SCHEME MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH Interest Annualized
1 2 3 4 5 6 7 8 9 10 11 12 Lock In Interest Rate
Period

FEDRT1806 12.5% 15% 18% 22% 24% 24% 24% 24% 24% 24% 24% 26% 30DAYS 26%

1. Please note that the rate of interest to be charged on your Gold Loan for the total tenor is given in the above table for the scheme opted by you.
2. Repayment Frequency - Bullet Payment on maturity i.e. the Loan amount and Interest outstanding is due and payable on the maturity date i.e.15-MAR-26.
3. You shall have an option to service the interest on the loan any time before the rate of interest changes to the next slab to avail the benefits of interest to be charged with the existing rate of interest for next 30 days.

4. The interest rate applicable shall be governed as per the provisions of the Scheme opted / applicable till the date of full closure of the loan. In addition, upon Maturity of the Loan penal charges shall be
levied at the rate of 12% per annum (inclusive of GST) on the principal dues.
5. The default of payment on Interest due / maturity as per the scheme opted, will trigger DPD (Days Past Due) implications in your account. You are advised to honour financial obligation on time to maintain a healthy credit score
in the credit report.
6. To know and pay your Principal Due, Interest Due and any other Due, please visit https://www.fedfina.com/gold_loan_login/.
I hereby agree to the terms and conditions of the Loan Agreement and confirm that it was explained to me in detail and that I undertake to maintain adequate margin in my loan account, if it falls short at any given point during the
tenure of loan and to settle the obligation on Maturity date.

Branch Manager Sign

Garlapadu Chandrakala RO023598

kummari shiva Kumar BM019499

Kokkula Purushotham
Aadhaar
21 Mar 2025 at 11:08:58 IST (UTC+05:30) eSign
Address of Registered and Corporate Office: Fedbank Financial
Services Limited, Unit No: 1101, 11th Floor, Cygnus,Plot No.71A,
Key Facts Statement
Powai, Paspoli, Mumbai 400087, Maharashtra
Part 1 (Interest rate and fees/charges)

Issue date: 21-03-2025 CIN: L65910MH1995PLC364635

Valid up to: 23-03-2025 RBI CoR: N-16.0018

1 Loan Proposal No 250379470 Type of Loan Gold Loans

2 Sanction Loan Amount (in Rupees) 136400

3 Disbursal
(i) Disbursement in stages or 100% upfront.
100% upfront
(ii) If it is stage wise, mention the clause of loan
agreement having relevant details

4 Loan term (months) 360 Days

5 Instalment details

Type of instalments Number of EPIs EPI(Rs) Commencement of repayment

NA NA Post Disbursement - Bullet Payment on

Bullet Payment Scheme Maturity (16-MAR-2026)

Interest Rate Type

6 Interest Rate (%) 12.5% p.a. Fixed Rate

7 Additional Information in case of Floating rate of interest

Reference Benchmark Spread (%) (S) Final rate (%) Reset periodicity Impact of change in the
Benchmark rate (%) (B) R = (B) + (S) (Months) reference benchmark (for 25
bps change in ‘R’, change
B S EPI (Rs) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/Charges
Payable to the RE (A) Payable to a third party through RE (B)
One-time/ Amount (in Rs) or One-time/ Recurring Amount (in Rs) or
Recurring Percentage (%) as Percentage (%) as
applicable applicable

(i) Processing Fees One Time Rs 25 (Inclusive of GST) NA NA

(ii) Stamp Duty NA NA NA NA
(iii) Valuation fees NA NA NA NA

9 Annual Percentage Rate (APR) 26% p.a.

Kokkula Purushotham
Aadhaar
21 Mar 2025 at 11:08:58 IST (UTC+05:30) eSign
 10 Details of Contingent Charges (in Rs or %, as applicable)

(i) Penal charges, if any, in case of delayed payment 12% p.a (Inclusive of GST)

(ii) Demand cum Liquidation Notice Rs. 100/- Inclusive of GST Per Notice

(iii) Lock-In Period 30 Days

(iv) Final Liquidation Notice Rs. 100/- Inclusive of GST Per Notice
(v) News Paper publication Charges for Auction Actuals subject to Rs.20000/- per account

(vi) Margin Breach Loan Recall Notice Rs. 100/- Inclusive of GST Per Notice
(vii) Margin Breach Final Liquidation Notice Rs. 100/- Inclusive of GST Per Notice

(viii Low Purity Notice – Loan Recall Notice Rs. 100/- Inclusive of GST Per Notice
(ix) Post Auction Intimation Notice Rs. 100/- Inclusive of GST Per Notice

(x) Online Auction charges 0.75% on the Auction value

(xi) Auction Pick Up Charges Actuals subject to Rs.5000/- per account

Part 2 (Other Qualitative Information)

1 Clause of Loan agreement relating to engagement of NOT APPLICABLE

recovery agents

2 Clause of Loan agreement which details grievance redressal The Borrower can refer to our website
mechanism Fedfina.com>>Corporate
Governance>>grievance Redressal
mechanism
Phone number and email id of the nodal grievance redressal Please write to us at customercare@fedfina.com or call
3 officer us on 080 69291313 & 7418128882

Whether the loan is, or in future maybe, subject to transfer to Yes

4 other REs or securitisation
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following
5 additional details may be furnished:
Name of the originating RE, along with Name of the partner RE along with its Blended rate of interest
its 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 borrower shall not be charged any penalty NA
on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized to
approach the borrower NA
Complete content of the Key Facts Sheet (KFS) has been explained to me by Garlapadu Chandrakala
in a language which is understood by me.
Customer Signature:
Customer Name : KOKKULA PURUSHOTHAM
Date 21-03-2025

Kokkula Purushotham
Aadhaar
21 Mar 2025 at 11:08:58 IST (UTC+05:30) eSign
 Annual Percentage Rate (APR) Computation

Sr Parameter
Details
No.

1 Sanctioned Loan amount (in Rupees) 136400

2 Loan Term (in months) 360 Days
a) No. of instalments for payment of principal, in case of non- 1
equated periodic loans

b) Type of EPI Bullet Payment Scheme

Amount of each EPI (in Rupees) NA
Number of EPIs NA
No. of instalments for payment of capitalised interest, if any NA
c)

Post Disbursement - Bullet Payment on

d) Commencement of repayments, post sanction Maturity (16-MAR-2026)

3 Interest rate type (fixed or floating or hybrid) Fixed Rate

4 Rate of Interest 12.5% p.a.

Total Interest Amount to be charged during the entire tenor of
the loan as per the rate prevailing on sanction date (in 17052
5
Rupees)

6 Fee/ Charges payable (in Rupees) 25

A Payable to the RE (PF) Rs 25 (Inclusive of GST)
B Payable to third-party routed through RE (SD) NA
7 Net disbursed amount (1-6) (in Rupees) 136375

8 Total amount to be paid by the borrower (sum of 1 and 5) (in 153452

Rupees)

9 Annual Percentage rate- Effective annualized interest rate (in 26% p.a.
percentage)

10 Schedule of disbursement as per terms and conditions 100% upfront

11 Due date of payment of instalment and interest As per Repayment Schedule

Customer Signature:

Customer Name : KOKKULA PURUSHOTHAM

Date 21-03-2025

Kokkula Purushotham
Aadhaar
21 Mar 2025 at 11:08:58 IST (UTC+05:30) eSign
 Annex C
Repayment Schedule
Bullet Payment Scheme
Interest
Servicing Principal O/s Due Date Principal Due Interest

19-Apr-2025 136400 1421

19-May-2025 136400 1421

18-Jun-2025 136400 1421

18-Jul-2025 136400 1421

17-Aug-2025 136400 1421

16-Sep-2025 136400 1421

16-Oct-2025 136400 1421

15-Nov-2025 136400 1421

15-Dec-2025 136400 1421

14-Jan-2026 136400 1421

13-Feb-2026 136400 1421

136400 15-Mar-2026 136400 1421

Please Note: 1. The Interest amount mentioned in the above repayment schedule is based on the
Onboarding interest rate, In case of any non-payment of interest, the interest in the below
mentioned table will be applicable as per the no. of months interest not paid.

2. Rate of interest on your Gold Loan for the total tenure is given in the below table for the
scheme opted by you.

3. You shall have an option to serve the interest on the loan any time before the rate of
interest changes to the next slab to avail the benefits of interest to be charged with the
Existing rate of Interest.
MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH MONTH
1 2 3 4 5 6 7 8 9 10 11 12

12.5% 15% 18% 22% 24% 24% 24% 24% 24% 24% 24% 26%

Customer Signature:
Customer Name : KOKKULA PURUSHOTHAM Kokkula Purushotham
Date 21-03-2025 21 Mar 2025 at 11:08:58 IST (UTC+05:30)
Aadhaar
eSign
 Margin Breach Classification & Actionable Based on LTV

S. No. Margin Breach Criteria Actionable on unresolved Margin Breach

When an account’s Closure amount i.e., Total A Margin breach call letter will be issued via SMS to the
1 Outstanding (TOS) crosses 75% LTV of 30 day’s average registered mobile number / email with link to view/open Letter.
gold price published by India Bullion and Jewelers If SMS/ email is undelivered, Margin breach call letter will be
Association Ltd. (IBJA) including principal and all related sent through registered post to the address as per records.
charges:

When an account’s Closure amount (TOS) crosses 80% A Margin breach call letter will be issued via SMS to the
2 LTV of 30 day’s average gold price published by IBJA or registered mobile / email number with link to view/open Letter.If
30 days after 1st notice whichever is earlier SMS / email is undelivered, Margin breach call Notice will be
sent through registered post to address as per records.

When an account’s Closure amount (TOS) crosses 85% Margin breach final liquidation notice will be issued via SMS to
3 LTV of 30 day’s average gold price published by IBJA or the registered number / email with link to view/open Letter. In
30 days after 2nd notice whichever is earlier addition Final liquidation letter Notice will be sent through
registered post to address as per records

Accounts unresolved above 85% LTV Post 21 days of the issuance of Margin breach final liquidation
4 notice, if unresolved, account will be marked for auction as per
standard policy of the Company

Customer Signature:
Customer Name : KOKKULA PURUSHOTHAM
Date 21-03-2025

Kokkula Purushotham
Aadhaar
21 Mar 2025 at 11:08:58 IST (UTC+05:30) eSign
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Kokkula Purushotham
Aadhaar
21 Mar 2025 at 11:08:58 IST (UTC+05:30) eSign