General Details
1 Date of KFS (T) 22-03-2025
2 Name of Regulated Tata Capital Limited (TCL)
Entity (RE) / Lender
3 KFS Validity T + 3 Working Days
4 Details of the a) Name of
Akanksha Gupta GUPTA
Borrower/s and Borrower
Co-Borrower/s b) Constitution Individual
c) Address TULIP RESIDENCY U 59 DLF PHASE 3 NATHUPUR ,NEAR HITACHI ATM GURUG
RAM ,Gurgaon 122002.
a) Name of Co-
Borrower
b) Constitution
c) Address
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ account Type of Auto Loan
No. / Unique Proposal 386AZ8606676_2203_1350 Loan
Number.
2 Sanctioned Loan amount (in Rupees) 193399
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) 24 Months
5 Instalment details
Type of instalments Number EPI (₹) Commencement of repayment, post sanction
of EPIs
Monthly 24 9377 03-05-2025
6 Interest rate (%) 15.00 % Interest type Fixed
(fixed or
floating or
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final rate (%) Reset Impact of change in the reference
Benchmark rate (%) (B) (%) (S) R = (B) + (S) periodicity benchmark
(Months) (For 25 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 TCL (A) Payable to a third party through TCL (B)
One-time/ Amount (in ₹) or One- time/ Amount (in ₹) or Percentage (%)
Recurring Percentage (%) as Recurring as applicable
applicable
(i) Processing fees One time 3405.93 - -
(ii) Insurance charges - - One time 2880.51
(iii) Valuation fees One time 0.00 - -
(iv) Any other - - - -
a) Stamp Duty One time 50.00 - -
b) Additional One time - -
1271.19
processing fees
c) NACH/PDC charges One time 0.00 - -
d) PDD charges One time 450.00 - -
e) Broken Period One time - -
1047.58
Interest
f) Any Other charges One time 0.00 - -
g)
h)
9 Annual Percentage Rate 20.19 %
(APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, in case For default in payment of interest and/ or principal amounts - 3%
of delayed payment p.m. on defaulted amount (Annualized Penal Charge of 36%)
(ii) Other penal charges if any -
(a) For Dishonour of Cheque / Rs. 600/- per instrument per instance
Payment Instrument / Mandate
(b) For Mandate Rejection Rs. 450/-
(Charges will be levied if new mandate form is not registered
within 30 days from the date of rejection of previous mandate
form by Borrower’s bank for any reasons whatsoever)
(c) For Non creation/perfection of NIL
security
(iii) Foreclosure charges, if 7% on Prepayment/ Foreclosure amount if the loan is being prepaid/
applicable foreclosed within 6 months.
6% on Prepayment/ Foreclosure amount if the loan is being prepaid/
foreclosed after 6 months but within 12 months.
5% on Prepayment/ Foreclosure amount if the loan is being
prepaid/foreclosed after 12 months.
(iv) Charges for switching of loans NA
from floating to fixed rate and
vice versa
(v) Any Other Charges
a) Statement of Accounts Customer portal – Nil
Branch walk in – Rs.250/-
b) Loan Cancellation Charge Rs.6500/-
c) Instrument swap charges Rs. 550/- each time PDC is swapped
d) Duplicate Repayment Schedule Rs. 550/-
e) Duplicate NOC Rs. 550/-
f) NOC for Interstate Transfer Rs. 1000/-
g) Foreclosure Report Rs.550/-
h) NOC for conversion of private to Rs.5600/-
commercial registration
i) Charges for Repossession of Rs. 22000/-
Vehicle
j)
k)
Part 2 (Other qualitative information)
1 Clause of Loan agreement relating to Please refer to the Clause ‘Miscellaneous Terms’ in the
engagement of recovery agents Specific Agreement/Terms and Conditions.
2 Clause of Loan agreement which details Please refer to the Clause ‘Miscellaneous Terms’ in the
grievance redressal mechanism Specific Agreement/Terms and Conditions.
3 Phone number and email id of t h e n odal Name- Ms. Francyna Dias
grievance redressal officer Phone Number- 18602676060
Email ID: seniorcroretail@tatacapital.com
4 Whether the loan is, or in future maybe, subject Yes
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 with its Blended rate of interest
with 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 3 days from the date of loan disbursal.
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 NA
authorized to approach the borrower
Notes:
The amounts are net of taxes such as GST, etc.
GST, other Government taxes and levies as applicable, will be payable on all fees
and charges in this document.
Broken Period Interest amount and 1st EMI date depend on the Disbursement Date
and the final figures would be mentioned in the Welcome Letter and Repayment
Schedule
Interest for the Broken period (BPI)/ Pre-Monthly Instalment Interest (PMII) would
be collected as a part of the Interest portion of the first EMI and the differential
amount of EMI would be collected at the end of the tenure.
Net Disbursed Amount may change if there is a difference in agreement execution
date and actual loan disbursal date on account of change in Broken Period Interest
or any changes opted post execution of the agreement.
For facilities which are in the nature of revolving line of credits, the repayment
schedule and the APR are calculated assuming customer has utilised 100% amount
on the day of disbursal.
For the APR, please refer the calculation of APR given below.
Benefits like Overdraft:
o Disbursement would be post deduction of processing fee, insurance charges
and any other applicable charges.
o In case of Overdraft facility customer needs to pay interest on the limit utilized
for the first 12 months (or as may be applicable). Drop Down will start from
13th month onwards (or as may be applicable). The principal due amount as
applicable along with the interest on the limit utilized would be repaid by the
Borrower/s on the due date as applicable of every month.
Any revision in charges shall be updated by the Lender on its website
(www.tatacapital.com) or otherwise intimated to the Borrowers.
Computation of APR
Sr. Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS – Part 1) 193399
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS – Part 1) 24 Months
a) No. of instalments for payment of principal, in case of non- equated NA
periodic loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and 9377
nos. of EPIs (Sl No. 5 of the KFS – Part 1) 24
c) No. of instalments for payment of capitalised interest if any NA
d) Commencement of repayments, post sanction (Sl No. 5 of the KFS 03-05-2025
– Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS – Fixed
Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1) 15.00
5 Total Interest Amount to be charged during the entire tenor of the
31654
loan as per the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 9499.00
A Payable to TCL (Sl No.8A of the KFS Part 1) 5177.12
B Payable to third-party routed through TCL (Sl No.8B of the KFS – 2880.51
Part 1)
C Total GST on all the fees and charges 1441.37
7 Net disbursed amount (1-6) (in Rupees) 183900.00
8 Total amount to be paid by the borrower (sum of 1 and 5) (in 225053.00
Rupees)
9 Annual Percentage rate- Effective annualized interest rate (in 20.19
percentage) (Sl No.9 of the KFS -Part 1)
10 Schedule of disbursement as per terms and conditions Refer Repayment
Schedule
11 Due date of payment of instalment and interest 03-05-2025
Repayment Schedule
Outstanding Principal (in Interest (in Instalment (in
Instalment No. Principal (in Rupees) Rupees) Rupees)
Rupees)
1 193399 6960 2417 9377
2 186439 7047 2330 9377
3 179392 7135 2242 9377
4 172258 7224 2153 9377
5 165034 7314 2063 9377
6 157719 7406 1971 9377
7 150313 7498 1879 9377
8 142815 7592 1785 9377
9 135223 7687 1690 9377
10 127536 7783 1594 9377
11 119753 7880 1497 9377
12 111873 7979 1398 9377
13 103894 8079 1299 9377
14 95815 8180 1198 9377
15 87636 8282 1095 9377
16 79354 8385 992 9377
17 70968 8490 887 9377
18 62478 8596 781 9377
19 53882 8704 674 9377
20 45178 8813 565 9377
21 36366 8923 455 9377
22 27443 9034 343 9377
23 18409 9147 230 9377
24 9262 9262 116 9377
Total 193400 31654 225048
Note:
The Repayment Schedule and its figures and calculation are as on ________and
22-03-2025 may vary
based on the applicable date of disbursement.
I confirm that I have thoroughly read and understood the Key Facts Statement
____________________________________
Borrower
____________________________________
Co-Borrower
