Regd.
Office : FEDERAL BANK OFFICE
LOAN SANCTION INTIMATION LETTER
To, Date : 12/08/2025
SAHIBA BIBI
BusinessAddress - GOURANGA MAT, Paschim
Medinipur, WEST BENGAL
Madam/Sir,
Sub : Sanction Intimation for proposed term loan of Rs.1,25,000.00/-
We are pleased to inform that the following credit facility is sanctioned to you based on your loan request. The loan
amount would be disbursed on compliance of the terms and conditions stipulated here under.
Facility Term Loan
Purpose PURCHASE OF STOCK
Loan Account Number
Limit Sanctioned (In Lakhs) 1,25,000.00
Amount In Words One Lakh Twenty-Five Thousand Rupees Only
Loan Tenure (In Months) 36
Rate of Interest (% P.A.) 20
Int. Rests Monthly
Margin NA
Processing Fee (%) 2% + Applicable GST
Processing Fee (Rs.) 2500.00
Equated Monthly Instalment (EMI) (Rs.) 4646.00
Primary Security Hypothecation of stock
Prepayment penalty NIL
Any other fee NIL
PAN EEMPB7895J
Udyam Registration Number UDYAM-WB-16-0030674
GST Registration Number
Name Of The Business Correspondent (BC) Amir Sohel khan
Line Of Activity LADIES COSMETICS
Date of Sanction 12/08/2025
Sanctioning Authority CPH
Date of Application 07/08/2025
Application No 2521900038
Sanction Order No
Primary Security Details
Security Description Value Borrower Name Proposed limit
Hypothecation of stock 156250.00 SAHIBA BIBI 125000.00
Signature of the borrower(s) Signature of the Co-obligant(s)
Regd. Office : FEDERAL BANK OFFICE
Co-obligants (C) Guarantors (G)
S. No Name C or G Customer ID
NA NA NA
Terms and Conditions
1. Applicable processing Fees will be deducted from the disbursal amount.
2. The borrower hereby agrees & authorizes to share the details of his/her information to credit bureaus and
any of the associates of The Federal Bank Ltd, to facilitate the customer to derive the benefits of purcha-
se/availing services from any of such associates.
3. The borrower hereby agrees to submit the Self declaration for the end use of funds.
4. The borrower shall submit the Stamped receipts / invoices of fixed/ other asset/s acquired out of the Term
loan sanctioned.
5. The borrower hereby agrees to submit Audited/ unaudited Balance sheet, Stock Statements, IT/ ST /
GST returns of the business concern to the Bank.
6. The borrower hereby agrees to insure the asset (primary security) for which the loan is taken in accordance
with the terms of the loan agreement.
7. The Borrower expresses, recognize and accepts that The Federal Bank Ltd. shall, without prejudice to its
right to perform such activities itself or through its officers of employees, be entitled with prior notice to
Borrower to and have full power and authority to appoint one or more third parties as The Federal Bank Ltd.
may select and to delegate to such third-party all or any of its functions, rights and powers under this loan
relating to administration of the Loan including the rights and authority to collect and receive on behalf of
The Federal Bank Ltd. from the borrower the weekly, fortnightly, monthly instalments and other amounts
due by the borrower under this loan and to perform and execute all lawful acts, deeds, matters and things
connected therewith and incidental thereto including sending notices, contacting the borrowers, receiving
cash cheques drafts/ mand- ates from the borrower and giving valid and effectual receipts and discharge to
the borrower. For any collection related complaints, customers are advised to contact their nearest The
Federal Bank Ltd. branch or the Toll Free No. 1800 420 1199
8. If you do not meet the repayment of your Loan as per the schedule, your loan account will go in arrears
which may affect your credit rating.
9. Bank shall have the right to recall the loan and demand repayment of the entire loan outstanding in the
event of a default in repayment or if the Borrower violates any of the terms and conditions of the credit
facility.
10. Borrowers are hereby advised to refer and understand the Terms & Conditions explained in vernacular
language by the officers / employees of the Bank or by the Third Party appointed by The Federal Bank Ltd.
11. The proceeds of loan or activities covered under the loan shall be used only for the purpose as stated in
the loan application.
12. Interest rate on the facility will remain fixed for the entire tenure of the facility from the date of first disbursal.
The rate of interest payable by the borrowers shall be subject to changes based on guidelines/ directives
issued by RBI to banks from time to time. The borrower/s also note and acknowledge that Bank is
obliged to give effect to any revision of interest rates, whether upwards or downwards, on all existing
advances/ financial assistances as per the RBI guidelines/ directives.
Signature of the borrower(s) Signature of the Co-obligant(s)
Regd. Office : FEDERAL BANK OFFICE
Annex A
Key Facts Statement
The Key Fact Statement is annexed herewith in compliance with the RBI Circular RBI/2024-25/18
DOR.STR.REC.13/13.03.00/2024-25 dated April 15, 2024 and shall form an integral part of the Loan
Agreement executed by the Borrower(s).
Part 1 (Interest rate and fees/charges)
1. Loan proposal/ Type of Loan Term Loan
account No.
2. Sanctioned Loan amount (in Rupees) 1,25,000.00
3. Disbursal schedule
(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 (year/months/days) 36
5. Instalment details
Type of instalments Number of EPIs EPI ( ₹ ) Commencement of repayment, post sanction
Monthly 36 4646.00
6. Interest rate (%) and type (fixed or floating or hybrid) 20 - Fixed
7. Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) Final rate (%) Reset Impact of change in the
Benchmark rate(%)(B) (S) R = (B) + (S) periodicity reference benchmark (for 25
(Months) bps change in ‘R’, change in:)
B S EPI ( ₹ ) 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/ Recurring Amount (in ₹ ) or One-time/ Recurring Amount (in ₹ ) or
Percentage (%) Percentage (%)
as applicable as applicable
(i) Processing fees One Time 2500.00 NA NA
(ii) Insurance charges One Time 461 NA NA
(iii) Valuation fees One Time NA NA NA
(iv) Any other (please NA NA NA NA
specify)
9. Annual Percentage Rate (APR) (%) 21.77
10. Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, in case of delayed payment NA
(ii) Other penal charges, if any NA
(iii) Foreclosure charges, if applicable NA
(iv) Charges for switching of loans from floating to fixed rate and vice versa NA
(v) Any other charges (please specify) NA
Signature of the borrower(s) Signature of the Co-obligant(s)
Regd. Office : FEDERAL BANK OFFICE
Part 2 (Other qualitative information)
1 Clause of Loan agreement relating to engagement of 8.26
recovery agents
2 Clause of Loan agreement which details grievance 8.36
redressal mechanism
3 Phone number and email id of the nodal grievance Ph : 0484220155, Emailid: fid@federalbank.co.in
redressal officer
4 Whether the loan is, or in future maybe, subject to No
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 with its Name of the partner RE along with its Blended rate of
funding proportion proportion of funding interest
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 NA
approved policy, during which borrower shall not be
charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and NA
authorized to approach the borrower
Signature of the borrower(s) Signature of the Co-obligant(s)
Regd. Office : FEDERAL BANK OFFICE
Annex B
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) 1,25,000.00
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 36
a) No. of instalments for payment of principal, in case of nonequated periodic NA
loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and 36
nos. of EPIs (e.g., no.of EMIs in case of monthly instalments) 4646.00
(Sl No. 5 of the KFS template – Part 1)
c) No. of instalments for payment of capitalised interest, if any NA
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) Fixed
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 20
5 Total Interest Amount to be charged during the entire tenor of the loan as per the 42236.10
rate prevailing on sanction date(in Rupees)
6 Fee/ Charges payable (in Rupees)
A Payable to the RE (Sl No.8A of the KFS template-Part 1) 2500.00
B Payable to third-party routed through RE (Sl No.8B of the KFS template – 461
Part 1)
7 Net disbursed amount (1-6) (in Rupees) 120296
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 167256
9 Annual Percentage rate- Effective annualized interest rate (in percentage) (Sl No.9 21.77
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 5th of every month
Signature of the borrower(s) Signature of the Co-obligant(s)
Regd. Office : FEDERAL BANK OFFICE
Annex C
Illustrative Repayment Schedule
Instalment Outstanding Principal Interest Instalment
No. Principal(in Rupees) (in Rupees) (in Rupees) (in Rupees)
1 125000.00 2562.12 2083.33 4645.45
2 122437.88 2604.82 2040.63 4645.45
3 119833.06 2648.23 1997.22 4645.45
4 117184.83 2692.37 1953.08 4645.45
5 114492.46 2737.24 1908.21 4645.45
6 111755.22 2782.86 1862.59 4645.45
7 108972.36 2829.24 1816.21 4645.45
8 106143.12 2876.40 1769.05 4645.45
9 103266.72 2924.34 1721.11 4645.45
10 100342.38 2973.08 1672.37 4645.45
11 97369.30 3022.63 1622.82 4645.45
12 94346.67 3073.01 1572.44 4645.45
13 91273.66 3124.22 1521.23 4645.45
14 88149.44 3176.29 1469.16 4645.45
15 84973.15 3229.23 1416.22 4645.45
16 81743.92 3283.05 1362.40 4645.45
17 78460.87 3337.77 1307.68 4645.45
18 75123.10 3393.40 1252.05 4645.45
19 71729.70 3449.95 1195.50 4645.45
20 68279.75 3507.45 1138.00 4645.45
21 64772.30 3565.91 1079.54 4645.45
22 61206.39 3625.34 1020.11 4645.45
23 57581.05 3685.77 959.68 4645.45
24 53895.28 3747.20 898.25 4645.45
25 50148.08 3809.65 835.80 4645.45
26 46338.43 3873.14 772.31 4645.45
27 42465.29 3937.70 707.75 4645.45
28 38527.59 4003.32 642.13 4645.45
29 34524.27 4070.05 575.40 4645.45
30 30454.22 4137.88 507.57 4645.45
31 26316.34 4206.84 438.61 4645.45
32 22109.50 4276.96 368.49 4645.45
33 17832.54 4348.24 297.21 4645.45
34 13484.30 4420.71 224.74 4645.45
35 9063.59 4494.39 151.06 4645.45
36 4569.20 4569.30 76.15 4645.45
Total 42236.10 167236.20
Signature of the borrower(s) Signature of the Co-obligant(s)
