Date: 31-03-2025] Annex A, Part 1 (Interest rate and fees/charges) This KFS Is valid for a period of 180 days*** (for offline channels) 4, [boon Proposal Account eR eeeee Salata Top up on a Home Loan umber Normel 2, | Sanctioned Loan Amount (in Rupees) 400000 Disbursal Schedule a Disbursement in stages or 100% 100% Upfront upfront. 3. Tritis stage wise, mention the cause ip of loan agreement having relevant details 4, | Loan term (yearimonths/days) 180 months 5. | Installment details ‘Commencement of Type of Installments No of EPs €P1(RS) thee eters EMI | 180 | 95342 | 36 Days 6. Interest rate (%) and type (fixed oF floating or hybrid) 9.00 Floating 7. | Additional information in case of Floating rate of interest Impact of change nthe Reset periodicity? | reference benchmark Reference | Benchmork |g, Final Rate (6) ieee Benchmark | Rate) @) | SFIS) | Rae +i5) er A ilcdemiot Bs Ts EPI(®)_[ No. of EPIs Repo Rate 625 275 9.00 | 3Months |aeMonths| 96745 | 1868. | Fee/Charges* (Deducted from loan amount) Payable to the RE (A) Payable to a third party through RE (8) Amount (in Rs.) or Amount (in Rs.) or JOne-time / Recurring} Percentage (9) as [One-time / Recurring] Percentage (96) as applicable ® applicable ® Processing fees (The processing /login fee is a one- time non-refundable fee and is| collected by the Bank for the purpose of appraising the [Application for the Facility and the same is independent of 3y_fihe outcome fesult of such eres aah We a i NA Joppraisal. The processing/login fee is payable| Jat the time of submitting of the Application, by way of [Cheque /Demand Draft Jiavoring the Bank andior such Jother mode as may be lacceptable to the Bank) i) | Insurance charges NA NA NA NA NA NA Valuation (Administrative charges} fees these are the one-time non-refundable charges collected by the Lender for the purpose of appraising the valuation and legal verification of property to ascertain suitability of accepting the property for mortgage and the same is Independent of the outcome result of suchappraisal, Please note that the administrative charges are payable at the time of disbursement of the Facility) One Time 5000 NA NA NA NA CERSAI Charges Non- refundable charges under Central Registry of Securitization Asset Reconstruction and Security Interest of India (CERSAI) ™ One Time 100 NA NA NA NA Information utility charges YI (only for corporate cases) One Time ° NA NA NA NA 9. | Annual Percentage Rate (APR) (%)° (excluding Stamp Duty) 9.10% 10. | Details of Contingent Charges (in or %, as applicable) Penal charges. if any, in case | Penal Charges shall be equal to 5% per annum on the overdue sum from the due date of delayed payment to the actual payment date plus applicable taxes or other statutory levies. if any. Other penal charges. if any: Penal Charge for dishonour | Rs. S00/- charges per instance of bounce/return/dishonour of cheques andlor any of Cheque/ADIECS/NACH —_| payment instruction including AD/ECSINACH/Emandate per transactionOther penal charges, if any: Charge for non submission of post disbursement documents Rs. 5,000/- Every month the said charge will be levied from the day the document is due till the same is nat submitted Other penal charges, if any: Penalty for violation of Sanction Terms for Lond Loan/Land Loan + Construction Penal charges for non collection of property documents post 60 days from the loan closure date 119 annually on the principal outstanding or Rs. 50,000/- whichever is lower or such other ‘amount as may be specified by the Bank from time to time. This will be levied if the construction of the house is net completed within four years from the first disbursement date. The penal charge will be levied every year after four years till the construction is completed 3 1,0001- Every month charges will be levied till collection of documents Foreclosure charges, if applicable Charges for switching of 1) For the Facility with Fixed Interest Rate at the time of prepayment: {4} 29 on Home loan, Home improvement loan, Land loan and Top up on home loan on amount prepaid and on all amounts tendered by the Borrower(s) towards prepayment of the Facility during the last one year from the date of final prepayment. b) 4% on Non-home loan ie. Loan Against Property, Non Residential Premises, Lease Rental Discounting, Non Home Loan Top Up, Retail Trade Finance, Over Draft) on amount prepaid and on all amounts tendered by the Borrower's) towards Prepayment of the Facility during the last one year from the date of final prepayment. €) Nil Prepayment charges on fixed rate loans if loan is booked under priority sector lending and Borrower's) type is Small or Micro & Loan amount is less than or equal to Rs, 50 lacs. 2. For the Facility with Adjustable Interest Rate at the time of prepayment: 6} Nil prepayment charges on home loan, home improvement loan and land loan, b] Nil prepayment charges on top up on home loan where the Borrower's) is individual ‘and the end use of the loan facilty is other than business purpose. ‘¢) 2% on top up on home loan on amount prepaid and on all amounts tendered by the Borrower(s) towards prepayment of the Facility during the last one year from the date of final prepayment where the loan is given to incividucl Borrower(s) for business purpose and to Non- Individual Borrower(s) for all purpose. Nil prepayment charges will be ‘applicable to individual Borrower(s f loon is booked under priority sector lending and Borrower(s) type is Micro or Small Enterprise 4d} Nil prepayment charges on Non home loan (Loan against property, Non Residential Premises. Lease Rental Discounting. Non Home Loan Top Up, Retail Trade Finance Overdraft)where loan is given to Individual Borrower(s) and the end use of the Facility is other than business purpose. ) 4% on Non-home loan (Loan Against Property, Non Residential Premises, Lease Rental Discounting, Non Home Loan Top Up, Retail Trade Finance, Overdraft) on amount prepaid ‘and on all amounts tendered by the Borrower(s) towards prepayment of the Facility during the last one year from the date of final prepayment where the loan is given to individual Borrower(s) for business purpose and to non- individual Borrower(s) forall purpose. Nil prepayment charges will be applicable to individual Borrower(s) if loan is booked under priority sector lending and Borrower's) type is Micro or Small Enterprise, £) Nil prepayment charges on Money Saver Account For all floating (adjustable) rate linked term loan to Fixed or floating (adjustable) Rs. 3,000. vi. |loans from floating to | For Overdratt- 0.5% ofthe principal outstanding « Semi Fixed / Fixed interest Rate to fixed rate and vice versa _| Adjustable Interest Rate - 2% of the principal outstanding Cash tronsaction si, JoHArGES (or repayment | a. ogy. of EMI due in cash at branches) Charges for Amortization Schedule Rs, 200/- for physical print out, Nil for digital channelsCharge for Duplicate No x. | Objection Certificate/No | Rs 250 Due Certificate ge for Prepayment xi, | Sharge for Prepayment or |. 200). for physical print out atthe branch Foreclosure statement xi, | Charges for Statement of J a< 2997 for physical print out at the branch account Charge for Revalidation of xi, |No Objection Certificate | Rs 250/ (NOC) Loan / Property Document *™: | Retreivol Charges Beer sw, [Charge for repayment mode |. coo, swop vei, | Auction charges for habs repossessed asset TT Coen infing | ae rctuals Charges incurred in il A “'l" | SARFAESI proceedings petals xix. | Enforcement charges At Actuals: Non Maintenance of Mode of %* | payment charges (NMMP) | O00 soi, | PaP]r advertisement Aekcaile charges Professional cherges all | (Advocate Charges/Retainer | At Actuals ship Charges) valli, Repossession charges At Actuals: veaiv. | Security guard charges At Actuals: 2rixed reset, other than on account of changes in crecit profile 3This is with reference to circular ‘Reset of Floating Interest Rate on Equated Monthly instalments (EM)) based Personal Loans’ dated, August 18, 2023, 4REs may disclose the amount net of any taxes such as GST SMeention frequency, where recurring Please refer Annex B ‘+ Subject to change in the benchmark rate from time to time, Note - Goods and Services Tax (GST) and other Govt. taxes, levies, etc. applicable as per prevailing rate will be charged over and ‘above the mentioned charges.Part 8 (Other Qualitative Information) ICICI Bank shall be entitled, at the sole risk and cost of the Borrowers to engage one or, ‘more person(s} to collect the Borrowerls' Dues andor to enforce any security provided by Clause of Loan agreement | the Borroweris, and ICICI Bank may (for such purposes) furnish to such person(s} such, 1. relating to engagement of | information, facts and figures pertaining to the Borrowers, the security and/or the recovery agents Productis) as ICICI Bank deems fit, ICICI Bank may also delegate to such personts) the right and authority to perform and execute all acts, deeds, matters and things connected therewith, or incidental thereto, os ICICI Bank deems fit. Clause of Loan agreement. | ICICI Bank follows a three level grievance redressal mechanism that is available on the 2.| which details grievance —_| website of the Bank. For details, please visit our website www icicibank.com and navigate redressal mechanism to - Home > Contact Us > Queries/Complaints Phone number and email id | Phone: +91-22-39337979 3, of the nodal grievance Email id for off- line Channels ~ pno@icicibank.com redressal officer” Email id for Digital Loan - digitallending@icicibank com Whether the loan is, orin future maybe, subject to ‘transfer to other REs or securitization (¥es/ No} Yes In case of lending under collaborative lending arrangements (e.g,, co-lendingy outsourcing), follawing additional details may be furnished 5.] 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: Cooling offflook-up period, in terms of RE’s board approved i. | policy, during which borrawer shall not be charged any penalty | NA on prepayment of loan No recovery agent is assigned for loan account. In Detoils of LSP acting as recovery agent and authorized to case any recovery agent is assigned then particulars approach the borrower of such recovery agent will be communicated before the recovery agent contacts for recovery TRE may furnish generic email id, provided a response is made within 1 working day Definitions : + Annual Percentage Rate (APR} is the annual cost of credit to the borrower which includes interest rate and all other charges, ‘associated with the credit facilityies. ‘* Equated Periodic instalment (EPI) is an equated or fixed amount of repayments, consisting of both the principal and interest components, to be paid by a borrower towards repayment of a loan at periodic intervals for a fixed number of such intervals; and which result in complete amortisation of the loan. EPIs at monthly intervals ore called EM. We acknowledge that * We have not made any payment in cash, bearer, cheque or kind along with or in connection with this application to the executive collecting mylour application form, ‘+ ICICI Bank shall be entitied to recall the loan / take possession of the vehicle / assets in the event I/We default in complying with ‘obligations in relation to the Faciityies and that the registration certificate of vehicle referred to in the ap plication form will be handed over to ICICI Bank within 30 days from the date(s) of respective disbursement(s) under the Facility/es. '* The sonction under the Faciltyles, if and when sanctioned, shall be governed by the terms and conditions applicable thereto and, it shall be my/our responsibility to obtain the copy and read the seme. ‘+ ICICI Bank has an unconditional right to cancel the outstanding un-drawn commitments under the Transaction Documents at any time during the currency of the Facilityes and that ICICI Bank shall endeavor to provide prior intimation of the same to melus. ICICI Bank follows defined instalment due date on a fixed day of each month which is decided on the basis of the date on which loan is disbursed. Accordingly, accounting reconeiliations would be suitably effected at the time of payment of the last Instalment. Instances wherein Disbursement is delayed the instalment amount may change accordingly For detailed privacy policy of ICICI bank, please visit https./Awww.iciclbonk.comprivacy pageAnnex B Illustration for computation of APR for Retail and MSME loans Sr.No. Parameters Details 1. __ [Senetioned Loon amount (in Rupees) { Sino. 2of the KFS template- Part 1) 9400000 2.___ | Loon Term (in years/ months! days) (SI Nod of the KFS template Part 2) 180 months a. No. of instalments for payment of principal, in cose of non-equated periodic loans NA Type of EPI Monthly ‘Amount of each EPI fn Rupees) 95342 b. | Amount of each EP! (in Rupees) 180 Nos. of EPs (eg, no. of EMIs in case of monthly instalments) SI No. 5 of the KFS template. Part 2 c. No. of instalments for payment of capitalised interest, if any NA &.___| Commencement of repayment post sanction (SIN. 5 of the KFS template- Part 2) 35 Days 3.__ [Interest rate type (fixed or floating or hybrid (SI No. 6 ofthe KFS template- Part 1) Floating 4, Rate of Interest (SI No. 6 of the KFS template- Part 1) 9.00 : ‘Total Interest Amount to be charged during the entire tenor of the loan as per the rate ane prevailing on sanction date (in Rupees) 6 *Fee/ Charges payable® (in Rupees) 52100 a Payable to the RE (SI No.8A of the KFS template-Part 1) 52100 b Payable to third-party routed through RE (SI No.8B of the KFS template-Part 1) NA 7 Net disbursed amount (1-6) (in Rupees) 9347900 8 “Total amount to be paid by the borrower (sum of 1. and 5) (in Rupees)? 17161391 Annual Percentage rate- Effective annualized interest rate (In percentage)! (S| No of the KFS template-Part 1) 9.10% As per the demand 10. | Schedule of disbursement as per terms and canditions schedule furnished by the Borrower. 11 Due date of payment of instalment and interest 05-05-2025 ® Where such charges cannot be determined prior to sanction, REs may indicate an upper ceiling, 9 The difference in repayment amount calculated from the total of instalments given under the detailed repayment schedule i.e. & 17161560 (95342 * 180) vis-a-vis the amount of 8 17161391 (29400000 (loan amount) + 27761391 (interest charges)} mentioned under (8) is due to rounding off the instalment amount of under the detailed repayment schedule, 22 Computed on net diebursed amount using IRR approach and reducing balance method “For upfront fees/charges which are deducted from disbursement amount , please refer Annex A , Srno 8 (Fees! Charges) ‘*Fees/Charges wherever paid by customer through cheque/onlinefany other mode, these fees /charges are not considered for the ‘computation of Sr:no 7C [Net disbursed amount) & Sr no 8 (Total amount to be paid by the borrower). Annex C Illustrative Repayment Schedule under Equated Periodic instalment for the loan as per Annexure B Instalment No. | Outstanding Principal (in RY Principal [in Rupees) Interest (in Rupees) Instolment (in Rupees) 1 9400000 2ase2 70500 953422 9975158 25028 70314 95342 3 9350130 25216 70126 95342 4 9324914 25405 69937 95342 5 9299509 25596 69746 95342 6 9273913 25788 69554 95342 7 92aa125 25981 69361 95342 8 oz22144 26176 e016 95342 9 9195968 26372 68970 95342 10 9169596 26570 68772 95342 un 9143026 26769 60573 95342 12 9116257 26970 68372 95342 13 9089287 27172 68170 95342 1“ 9062114 27376 67966 95342 15 9034738 27581 67761 95342 16 9007157 27708 67554 95342 7 979388 27997 67345 95342 18 8951372 28207 67135 95342 19 923165 rasa 6024 95242 20 8094747 28631 e711 95342 a. 966115 28846 66496 95342 2 2027259 29062 66220 95242 2a 008207 29280 66062 95342 2a 8776926 29500 ese42 95342 25 8749426 2721 e521 95242 26 8719705 29944 65308 95342 27 8689760 30169 65173 95342 2a 659592 20295, 61947 95242 29 629197 30623 earig 95342 30 9500574 30853 eases 95342 a1 8567721 a10a4 64258 95242 2 8536637 31317 64025 95342 33 8505320 31552 63790 95342 34 8473767 31789 63553 9534235 9481979 32027 63315 95342 36 8409952 32267 63075 95342 v7 8377684 32509 62033 95342 38 9345175 32753 62589 95342 39 8312422 32099 62343 95342 40 8279423 33246 62096 95342 a 9246177 33496 e186 95342 2 8212681 33747 61595 95342 4a 170934 34000 e132 95342 44 9144934 34255 61087 95342 45 8110679 34512 60830 95342 46 076167 warm eos71 95342 a7 041396 35032 60310 95342 48 8006365 35294 60048 95342 49 7971070 35559 59703 95242 50 7938612 35026 59516 95342 51 7699686 36094 59248 95342 52 7e69592 36265 50977 95242 53 7827226 36638, 58704 95342 5a 7790588 36913 58829 95342 55 7753676 37189 50153 95242 56 7716487 37468 57874 95342 57 7679018 37749 57593 95342 sa 7641269 39032 57310 95242 59 7603236 30318 57024 95342 60 7564919 38605 86737 95342 at 7526214 aan95, 56447 95242 62 7487419 39186 56156 95342 63 7448233 30480 55062 95342 64 7408752 39776 55566, 95342 65 7368976 40075 58267 95342 66 7328001, 40375, 54967 95342 67 7288526 40678 54664 9534268 7247848 40983 54369 95342 69 7206865 41291 54051 95342 70 7165574 441600 53742 95342 m1 7123074 41912 53430 95342 n 7062062 42027 53115 95342 7 7039835 42543 52799 95342 74 6997292 42862 52400 95342 75 6954430 43184 52158 95342 76 6911246 49508 51634 95242 7 6967738 43834 51508 95342 78 6823904 aai63 51179 95342 79 6779742 44494 soe4a 95242 80 6736248 44828 50514 95242 at 6690420 45164 50178 95342 22 6645256 45503 49829 95242 83 6599754 45044 49498 95242 8a 6853910 46188 49154 95342 as 6507722 46524 aga08 95242 a6 ea1188 46203 48459 95342 87 6414305 47238 48107 95342 aa 6267070 27509 ar7sa 95242 89 es194a1 47946 47396 95342 90 6271536 48305 47037 95342 91 6223230 48668 46674 95342 92 6174562 49033 46309 95342 93 6125529 49401 aso41 95342 94 6076129 2g771 45571 95342 9s 6026358 s0144 45198 95342 96 so76214 50520 44822 95342 97 5925693 50899 44843 95342 98 5874794 51281 44061 95342 99 5623613 51666 43676 95342 100 5771847 52053 43289 95342101 5719794 s2aea 42698 95342 102 5667350 52837 42505 95342 103 se145i4 59233 42109 95342 104 5561280 53632 41710 95342 105 5507648 54035 41207 95342 106 5450613 54440 40902 95242 107 5399174 5aa4e, 40494 95342 108 5344325 35260 40082 95342 109 5289056 55674 aa6ca 95242 110 5233302 36092 39250 95342 at 5177300 56512 38830 95342 112 5120728 36096 22406 95242 113 5063852 57363 37979 95342 14 5006489 57793 37549 95342 15 4948695 38227 ams 95242 116 4090469 58663 36679 95342 17 4831605 59103 36239 95342 118 am 59547 35795 95242 9 4713155 59993 35349 95342 120 4653162 60443 34899 98342 121 4592718 60897 34ae5 95342 122 4531622 61353 33989 95342 123 4470468 61813 33529 95342 124 4408655 62277 33065 95342 125 4346378 e274s 32598 95342 126 4263634 63215 32127 95342 127 4220419 63689 31653 95342 128 4156730 64167 31175 95342 129 4092564 64648 30694 95342 130 4027916 65133 30209 95342 131 3962783 ese21 29721 95342 132 3097162 66113 20229 95342 133 3831049 66609 28733 95342134 3764440 67109 28233 95342 135 3697331 67612 27730 95342 136 3629719 68119 27223 95242 137 3561600 68630 26712 95342 138 3492970 9145 26197 95342 139 2423825 69863 25679 95242 140 3964162 70186 25156 95342 141 3283976 70712 24630 95342 142 3213264 71243 24099 95242 143 3142021 7777 23665 95342 144 3070244 72318 23027 95342 15 2997929 72888 22aa4 95242 146 2926072 73404 21938 95342 147 2951668 73954 21368 95342 148 ama 74509) 20823 95242 149 2703204 75068 20274 95342 150 2628136 75631 19711 95342 151 2552505 76198 19144 95342 152 2476307 76770 18572 95342 153 2309537 77348 17997 95342 154 2322192 77926 17416 95342 155 2204266 7a510 16832 95342 156 2165756 79099 16243 95342 157 2086657 79692 15650 95342 158 2006985 20290 15052 95342 159 1926675 0892 14450 95342 160 1845784 81499 13843 95342 161 1764205 2110 13232 95342 162 1662175 82726 12616 95342 163 1ss9a9 83346 11996 95342 164 1516103 es71 1371 95342 165 1432132 84601 10741 95342 166 1347831 85236 10106 95342167 1262295 85875 9467 95342 168 1176421 86519 2823 95342 169 1089902 a7168 e174 95242 170 1002734 a7eat 7521 95242 171 914913 88480 6862 95342 172 226: aos 6198 95242 173 737289 9812 5530 95342 174 647476 90486 4856 95342 175 556990 e165 477 95242 176 465826 o1e4s s494 95342 177 373978 92537 2805 95342 178 2a14co oa2a1 aut 95242 179 128209 93930 1412 95342 180 94279 94635 707 95342 a hereby expressly acknowledge that I have been informed about the loan amount, tenure, applicable interest and other terms of the said loan. | hereby affix my signature in acceptance of the same. Accepted on: \ hereby confirm that | have received a copy of duly filled Key Fact Statement as above Name of Applicant Individual (Signature / Affimation of thumb Print of the Applicant and Co-Applicant) Non - Individual (Sole - Proprietary / Partneship/ HUF / Company / AOP / Society / Trust) - Name and signature of Authorised Signatory Name of Authorised Signatory 1: Signature of Signature of Authorised Signatory Applicant ; Name of Co- Name of Authorised applicant Signatory 2: Signature of Co- applicant Signature of Authorised Signatory 2