Classification - Internal
Key Facts Statement
E] I
Issuance
Date Validity 3 working
period days from
Issuance date
Part1 (Interest rate and fees/charges)
1 Loan proposal/ account No. Type of Personal Loan/Business
Loan Loan
2 •sanctioned Loan amount (In :;;
Rupees) (Including Cross 3
Sell) g
3 Disbursal schedule
(i) Disbursement in stages or
100% uofront.
100% Upfront .
8
=
0
.
(ii) If it is stage wise, mention the clause of loan NA 2:-
agreement having relevant details g
4 C
.2>
Loan tenn (year/months/days) _ _ _Months rJ)
al
5 Instalment details
-~0
Type of instalments Number of EPI (') Commencement of repayment, post sanction ,._
<(
EPls
Disbursal Date EMI Date
.
g3
0
Monthly
"'6
th th
01 st to 20 of the month 06 of the immediate next
month ()
21 st onwards till last date 06th of the month after the
of the month immediate next month
6 "Interest rate(%) and type
(fixed or floating or hybrid) _ _ _ %p.a (FIXED RATE OF INTEREST)
7 Additional lnfonnation in case of Floating rate of interest
Reference Benchmark Spread(%) Final rate (%) Reset periodicity Impact of change in the
Benchmark rate(%) (B) (S) R = (B) + (S) (Months) reference benchmark
B s EPI (') No. of EPls
NA NA NA NA NA
I t
g
NA NA NA
I 0
8 Fee/ Charges Ii • "'"
Payable to RE (A) Payable to a third party through RE (B) =
0
2:-
One-time/
Recurring
Amount (in ') or
Percentage(%) as
One-time/ Recurring Amount (in ') or Percentage
(%) as applicable
i C
C)
"'.
applicable en
-~
8.01 Processing One Time
=
0
fees (exclusive <(
ofGSTl
8.02 Stamp Duty& One Time ";
Other statutory g
0
Charges: - As
per applicable
"'
laws of the
state
8.03 Insurance Onetime
9 • Tentative Annual Percentage Rate (APR) (%)
Final APR would be shared via email within 10 working _ _ _%
days from the date of disbursement..
10 Details of Contingent Charges (in, or%, as applicable)
(i) Penal charges, if any, in case of delayed payment Delayed instalment payment charge: 18% p.a plus
applicable government taxes on overdue instalment
amount
(ii) Other penal charges, if any Payment Return Charges: - Rs 4501- per instance Plus
applicable GST.
PL& BL
Classification - Internal
Classification - Internal
Foreclosure/ Premature closure charges, If applicable Prem!ture Closure ~ha!ll•• For full ere::9:axment: ..
(iii)
Premature closure Charges (computed on principal
outstanding) Post Cooling off/look-up Period of 3 days
from the loan disbursement date.
- Up-lo 24 EMI repayment - 4% of principal outstanding,
- Post 24 EMI and up to 36 EMI repayment - 3% of
principal outstanding,
- Post 36 EMI repayment - 2% of principal outstanding.
Government taxes and other levies as applicable, would
be charged additionally.
NIL Premature Closure Charges for Fixed rate loan
facility up to Rs. 50 Lakh availed by Micro & Small
Enterprises, and subject to submission of Udyam
Registration Certificate prior lo disbursal.
Premature closure charges for eart l!f8•1!a:trnent: -
Premature closure Charges (Computed on part-payment
amount]
- Partial Premature closure is allowed post payment of
firstEMI.
- Post 01 EMI and up to 24 EMI repayment - 4% of part-
payment amount.
- Post 24 EMI and up to 36 EMI repayment - 3% of part-
payment amount.
- Post 36 EMI repayment- 2% of part-payment amount.
Government Taxes and other levies as applicable, would
be charged additionally.
- " Partial premature closure is allowed up to 25% of
Principal Outstanding, only once in the financial year and
twice during the loan tenure ."
NIL Premature Closure Charges for Fixed rate loan
facility up lo Rs. 50 Lakh availed by Micro & Small
Enterprises, and subject to submission of Udyam
Registration Certificate prior to disbursal.
(iv) Charges for switching of loans from floating to fixed rate NA
and vice versa
(v) Any other charges (please specify) Loan cancellation Charges: •
Loan cancellation is allowed within cooling offnook-up
period of 3 days from the loan disbursement date. In the
event of loan cancellation, interest charged from dale of
disbursement till the date of loan cancellation will be
borne by the customer. Processing Fee, Stamp duty,
other statutory charges and GST are non-refundable
charges and would not be waived/refunded in case of
loan cancellation.
Rebooking Charges: Rs. 1000/- plus applicable
government taxes.
Re-eal!!!]ent mode change charges: Rs. 500/- plus
applicable government taxes.
Amortization Schedule/ Re11al!!!]ent Schedule
Charges: Rs 50/- plus applicable government taxes per
instance for Physical copy. Customer can also download
from websije free of cost.
Legal Collection & Incidental charges: Al Actuals
Siami! Dub! & Other statuto!Jl charges: - As per
aoolicable laws of the state.
(VI) Date by which annual outstanding balance statement will 31st May
be issued
PL&BL Classification - Internal
Classification - Internal
Part 2 (Other qualitative information)
1 Clause of Loan !n the event of default, the details of authorised associate to approach for recovery of dues will be
• agreement relating to intimated to you through a payment reminder communication and any change in details would be
\ engagement of intimated to you thereon. List of authorised associates empanelled for handling collections are updated
recovery agents on the bank's website
2 ' Clause of Loan Name, designation, address and phone number of nodal grievance redressal officer updated on the bank's website:
1agreement Yklich details
https://www.hdfcbank.com/personal/need-help/contact-us
: grievance redressal
i. mechanism
3 1Phone number and Mr,- Mehemosh Dhamodiwala (Grievance Redressal Officer)
i · email id of the nodal Gnevance Redn,ssal C9II, HDFC Bank Limtted, 1st Floor, Empire Plaza -1 , Lal Bahadur Shastri Mall!, Chandan
grievance radressal Nagar, Vikhroh West, Mumbai - 400083.
, officer Call: 1800 286 4060, Email ID: grievance.redressaldl@hdfcbank.com
Monday to Saturday: 9:30 am to 5:30 pm
This facility is not available on 2nd & 4th Saturdays, all Sundays and Bank Holidays
.,')l
4 , Whether the loan is, or
in future maybe, subject
to transfer to ether REs Yes
~ ~ecuritisalion f(es/
0
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, Name of the partner RE aiong with its proportion of funding Blended rate of interest
~long with Its funding
•: proportion
!
i NA NA NA
6 In case of digital loans, following specific disclosures may be furnished:
(i) Cooling offnook-up period, in tenns of 3days
RE's board approved policy, during which
borrower shall not be charged any
pena1o/ on prepayment of loan
(ii) Details of LSP acting as recovery In the event of default, the details of authorised associate to approach for recovery of dues will be intimated
agent 'and authorized to approach the to you through a payment reminder communication and any change in details would be intimated to you
borroW8r thereon. List of authorised associates empanelled for handling collections are updated on the bank's website
,
i (https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-
7ae1be57c87tnpath=/Common%20Overlays/Feedback/PDFS/Banking%200mbudsman%20Scheme/Active-
Collection-Vendor-Listpdf)
.~~1:,1.
-=;
..
Terms & oonditions:
*Above financing schema, charges and other details are as per the sanctioned loan. These details might vary depending upon actual loan
amount and tenure opted for at the time of disbursam ent.
All the above service charges/fees/Commissions are exclusive of taxes.
10% discount to senior citizens on all the charges
NIL Processing Fees for loan faciltty up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to UDHYAM Registration Certif,cate
submission prior to disbursal
The fees and service charges mentioned in the Key Fact Statement shall be deemed to be considered as issuance of receipt thereof.
For loan disbursed post 2rf of the month, Pre-EM I Interest amount computed at loan contracted rate of interest would be deducted from the
financed loan amount or would be added in the first EMI amount.
. ,.
Classification - Internal
Classification - Internal
Computation of APR
Sr. No. Parameter Details
1
2
Sadonedl.amerncu"I" [n~)
Loan Tenn (in years/ months/ days)• '
--- Months
a) No. of Instalments for payment of principal, in case of non-equated periodic NA
loans
b) . Type of EPI Monthly
Amount of each EPI" (In Rupees)
Nos. of EPls" (e.g., no. of EMls In case of monthly instalments) '
c) No. of instalments for payment of capitalised interest. if any NA
d) Commencement of repayments, post sanctk>n Disbursal Date EMI Date
01fl to 20~ of the 06th of the
month immediate next
month
21fl onwards till last 06th of the month
date of the month after the
immediate next
month
3 lnten,st rate type (fixed or floating or hybrid) Fixed
Rate of lnten,st" _ _ %p.a
4
5 Tentative Total Interest Amount to be charged during the entire tenor of the
loan as per the rate prevailing on sanction date (in Rupees~ Final Working will
be shared as part of confirmation email within 10 working days from the date
'
of dl1burnment
6 Fee/ Charges payeble" (in Rupees)
'
A Payable to the RE"
'
B Payable to third-party routed through RE"
' -
7 .. Net disbursed amount (1-6) (in Rupees)
'
8
9
-Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees)
Annual Percentage rate- Effective annualized interest rate (in percentage)
... Final APR would be shared via confirmation email within 10 working days
' _ _%
from tho data of disbursement "Apr= ROI (Point 4) + Charges Point 6 (A)
Schedule of disbursement as per tenns and conditions WIii be Issued within 10 working days from
10 the date of disbursement
11 Due date of payment of instalment and interest
* Above financing scheme, charges and other details are as per the sanctioned loan. These details might vary depending upon actual loan
amount and tenure opted for at the time of disbursement.
**Net Disbursed Amount might vary depending on the Pre-EMI interest amount, if applicable.
Consent on KFS
To
HDFC Bank Ltd.
This is to confirm that 1/ we have raad the Key Fact Sheet (KFS) (including Inter alia the Annual Percentage Rate (APR), Charges and
Repayment Schedule) regarding the Personal Loan I Business Loan applled by me/ us.
I/ we hereby confirm that V we have read, understood and agree with the contents of the same.
Co-Borrower(s)/ Authorised Signatory of the Co-Borrower
Borrower/ Authorised Signatory of the Borrower
Co-Borrower Name:
Customer Name:
Loan Application / Reference Number.
Date:
Place:
PLBL_GE
Classification - Internal
