General Details

1 Date of KFS (T) 04/11/2024

Name of Regulated
2 Tata Capital Limited (TCL)
Entity (RE) / Lender
3 KFS Validity T + 3 Working Days
Name of
a) BABITA BASERA
Borrower
Details of the
b) Constitution Individial
4 Borrower/s and
Co-Borrower/s PILLAREDDY LAYOUT ANEKAL ROAD BEHIND PETROL BUNK CHANDAPURA
c) Address CHANFAPURA BENGALURU KARNATAKA , NEAR PETROL BUNK , Bangalore ,
Karnataka , 560099
5 IP Address 157.50.6.139
6 OTP Consent Date And Time 11/04/2024 14:32:35

Key Facts Statement

Part 1 (Interest rate and fees/charges

Loan proposal /
account No. / Webtop No.-KFS_467TZ8611356
1 Type of Loan Two-Wheeler Loan
Unique Proposal _0411_1432
Number.
2 Sanctioned Loan amount (in Rupees) 88,891
Disbursal schedule

(i) Disbursement in stages or 100% upfront.

3 100% Upfront
(ii) If it is stage wise, mention the clause
of loan agreement having relevant details

4 Loan term (year/months/days) 24

5 Instalment details
Type of instalments Number of EPIs EPI (Rs.) First EMI Date
Sr. Disbursement
EPI cycle date
No date
1st to 15th of the
Monthly 24 4,635 1 4th of next month
month
4th of next to
2 16th to EOM
next month
Interest type (fixed or floating
6 Interest rate (%) IRR - 22.53 % Fixed
or hybrid)
7 Additional Information in case of Floating rate of interest
Reset
Impact of change in the reference benchmark(for 25
Benchmark periodicity.(Months)
Reference Final rate (%) R = bps change in ‘R’, change in)
rate (%) Spread (%) (S)
Benchmark (B) + (S) ____________________________________
(B) _________________
EPI () | No. of EP
B | S
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL Payable to a third party through TCL
Amount (in )
One-time/ or Percentage Amount (in ) or Percentage(%) as
One-time/Recurring
Recurring (%) as applicable
applicable
(i) Processing fees One time Rs. 2580.51
(ii) Insurance charges One time Rs. 1518.64
(a) HDFC - Life Insurance One time Rs. 883.05
(b) TATA AIG – General Insurance One time Rs. 635.59
(iii) Valuation Fees NA NA
(iv) Any Other
Stamp duty (Loan amount Greater
(a) One Time Rs. 945.00
Than or Equal 85,000)
PDD – Document processing
(b) One Time Rs. 211.86
Charges
(c) Additional Processing Fee One Time Rs.
(d) CPP – Card Protection Plan One Time Rs. 931.36
(e) BPI One Time 0
9 Annual Percentage Rate (APR) (%) 31.5 %
10 Details of Contingent Charges (in or %, as applicable )
Penal charges, if any, in case of delayed For default in payment of interest and/ or principal amounts - 3% p.m.
(i)
payment on defaulted amount (Annualized Penal Charge of 36%)
(ii) Other penal charges, if any
For Dishonour of Cheque / Payment Instrument
(a) Rs. 600/- per instrument per instance
/ Mandate
Rs.450 (Charges will be levied if new mandate form is not registered
(b) For Mandate Rejection 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 security NIL
(iii) Foreclosure charges, if applicable 5% of the principal outstanding at the time of foreclosure
Charges for switching of loans from floating to
(iv) NA
fixed rate and vice versa
(v) Any other Charges
(a) Statement of Account Rs.300/-
(b) Duplicate Repayment Schedule Nil
(c) Foreclosure report Rs.550/-
(d) Payment Instruments swapping Rs.550/- each time
(e) Repossession Charges Rs.8,000/-
(f) Cancellation Charges 2% of the Facility amount or Rs.5750/- Whichever is higher
(g) NACH / PDC Charges Rs.850/-

Part 2 (Other qualitative information)

Please refer to the Clause ‘Miscellaneous Terms’ in the

1 Clause of Loan agreement relating to engagement of recovery agents
Specific Agreement/Terms and Conditions
 2 Clause of Loan agreement which details grievance redressal mechanism Please refer to the Clause ‘Miscellaneous Terms’ in the
Specific Agreement/Terms and Conditions
Name- Ms. Francyna Dias
3 Phone number and Email ID of the nodal grievance redressal officer Phone Number- 18602676060
Email ID- seniorcroretail@tatacapital.com
Whether the loan is, or in future maybe, subject to transfer to other REs or
4 Yes
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 RE, along with its Name of the partner RE along with its
Blended rate of interest
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
3 days from the date of loan disbursal
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 NA

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 the APR, please refer the calculation of APR given below.
• 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

S.no Parameter Details

1 Sanctioned Loan amount (in Rupees) (Sl no.2 of the KFS – Part 1) 88,891
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS– Part 1) 24
No. of instalments for payment of principal, in case of non- equated periodic
a) NA
loans
Type of EPI Monthly
b) Amount of each EPI (in Rupees) and 4,635
nos. of EPIs (Sl No. 5 of the KFS – Part 1) 24
c) No. of instalments for payment of capitalised interest, if any NA
Disbursement date EPI cycle date
d) Commencement of repayments, Post Sanction 1st to 15th of the month 4th of next month
16th to EOM 4th of next to next month
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS – Part 1) Fixed
4 Rate of Interest (Sl No. 6 of the KFS – Part 1) 22.53 %
Total Interest Amount to be charged during the entire tenor of the loan as per
5 22344
the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 7131.00
A Payable to TCL (Sl No.8A of the KFS -Part 1) 3737.37
B Payable to third-party routed through TCL (Sl No.8B of the KFS – Part 1) 2450.00
C Total GST on all the fees and charges 943.63
 7 Net disbursed amount (1-6) (in Rupees) 81,760
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 111,235
Annual Percentage rate- Effective annualized interest rate (in percentage)10 (Sl
9 31.5
No.9 of the KFS-Part 1)
10 Schedule of disbursement as per terms and conditions NA
11 Due date of payment of instalment and interest 4th of every month

Repayment Schedule

Outstanding Principal (in

Instalment No. Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)
1 88891 2966 1669 4635
2 85925 3022 1613 4635
3 82903 3078 1557 4635
4 79825 3136 1499 4635
5 76689 3195 1440 4635
6 73494 3255 1380 4635
7 70239 3316 1319 4635
8 66923 3379 1256 4635
9 63544 3442 1193 4635
10 60102 3507 1128 4635
11 56595 3572 1063 4635
12 53023 3639 996 4635
13 49384 3708 927 4635
14 45676 3777 858 4635
15 41899 3848 787 4635
16 38051 3921 714 4635
17 34130 3994 641 4635
18 30136 4069 566 4635
19 26067 4146 489 4635
20 21921 4223 412 4635
21 17698 4303 332 4635
22 13395 4384 251 4635
23 9011 4466 169 4635
24 4545 4545 85 4630

Note:

The Repayment Schedule and its figures and calculation are as on 04/11/2024 and 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