Annex A
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ 26674196 Type of Loan Personal Loan
account No.
2 Sanctioned Loan amount (in Rupees) 3,500,000
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 (in months) 85 Months
5 # Instalment details
Type of instalments Number of EPI (Rs) Commencement of repayment,
EPIs post sanction
Monthly 85 60,853 For cases disbursed from 1st to 6th of
a month, EMI would fall due on the
10th of the same month. For cases
disbursed from 7th to 26th of a month,
EMI would fall due on the 5th of the
next month. For cases disbursed from
27th to 30th/31st of a month, EMI
would fall due on the 10th of the next
month.
6 Interest rate (%) and type (fixed or floating or hybrid) 11.5 %
Fixed
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final Reset periodicity Impact of change in the reference
Benchmark rate (%) (B) (%) (S) rate (Months) benchmark (for 25 bps change in
(%) 'R', change in:)
R= B S ## EPI No. of EPIs
(B) (Rs)
+ (S)
8 Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)
One- Amount (in One-time/ Amount (in Rs) or
time/ Rs) or Recurring Percentage (%) as
Recurring Percentage applicable
(%) as
applicable
I Processing fees One-time 10619 NA
II Insurance premium NA One-time 0
III Valuation fees NA One-time 0
IV Stamp duty Charges NA One-time 8000
9 Annual Percentage Rate (APR) (%) 11.61 %
10 Details of Contingent Charges (in Rs or %, as applicable)
I. Penal charges, if any, in case of delayed payment 8% p.a. above applicable interest rate (subject to
the aggregate not exceeding 24% per instance)
II. Foreclosure charges, if applicable Loan Amount less than 10 lacs
Up to 36 EMIs = 3%
After 36 EMIs = 2%
Loan Amount greater than equals to 10 Lacs
Nil Charges for Loan Amount greater than equals to
10 Lacs subject to closure from own funds after 12
EMIs
III. Charges for switching of loans from floating to Not Applicable
fixed rate and vice versa
IV. Cheque/Instrument swapping charges Rs 500/- per instance
V. Credit Report Issuance Charges Rs 50/- per instance
VI. Duplicate Repayment Schedule Issuance Charges Rs 250/- per instance
VII. Duplicate Statement issuance charges Rs 250/- per instance
VIII. No Dues Certificate generation charges (Duplicate) Rs 50/- per instance
IX. Part payment Charges Up to 36 EMIs = 3%
After 36 EMIs = 2%
Excluding pre- EMI/broken period interest
Customer will be allowed to pre-pay up to 25% of
principal outstanding, every year during the loan
tenure without any charges after completion of 12
EMIs. There shall be a gap of 12 EMI's between
two such part payments
Customer will be charged for part payment charges
if :
1. Part payment is done before completion of 12
EMIs
2. Part payment is greater than 25% of principal
outstanding in a year.
3. Gap between 2 part payments is less than 12
EMIs.
X. Repayment Instruction/Instrument Return charges Rs 339/- per instance
XI. Loan Cancellation Charges 0-3 days-Interest till the date of cancellation,
Processing Fee, Stamp duty, other statutory
charges (if applicable as and when) and GST would
not be waived/refunded in case of loan cancellation.
Greater than 3 days- It will be considered as pre-
payment
* GST and other statutory dues extra as applicable
Part 2 (Other qualitative information)
1 Clause of To take possession/ control of such Property/ security, whether directly or through any
Loan receiver,recovery agent, manager attorney, or other person as may be appointed by the
agreement Bank to exercise all or any of the powers and rights vested in the Bank under the Loan
relating to Agreement and/or any other related transaction documents and/or as available to it in law,
engagement who shall be deemed to be the agent of the Bank, including for or in relation to perfection,
of recovery preservation, valuation, enforcement of Security Interest,possession, sale, auction, private
agents treaties of Security Interest, etc., It shall be lawful for the Bank or its agents to enter into or
take possession under the provisions contained in any of the documents entered in relation
to the Security Interests henceforth and to hold and enjoy the same and to receive the rents
and profits thereof without any interruption or disturbance by the Borrower and/ or the
Security Providers or persons claiming by, through, under or in trust for the Borrower and/ or
the Security Providers.
2 Clause of For any grievances in relation to the (Home Loan / Personal Loan / Education Loan / Two
Loan Wheeler Loan / Car Loan / Commercial Vehicle and Construction Equipment etc.) the
agreement Borrower may raise any complaint/concerns through the [[Link]
which details /webforms/axis-support/[Link]] or call the Bank customer care [1860-419-5555
grievance (Charges Applicable) / 1860-500-5555 (Charges Applicable) / 1800-103-5577 (Toll Free
redressal Number)]. The Bank shall endeavour to resolve the grievances and provide appropriate
mechanism response with respect to such complaint/concerns raised by the Borrower in a timely
manner. For further details on the grievance redressal policy of the Bank, the Borrower can
access and read the grievance redressal policy of the Bank available at [Link]
[Link]/docs/default-source/default-document-library/grievance-redressal/grievance-
[Link]
3 Phone Ms Deepti Radkar
number and Email ID - pno@[Link]
email id of ph - 91-080-61865098
the nodal
grievance
redressal
officer
4 Whether the Yes
loan is, or in
future
maybe,
subject 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: co-lending/ outsourcing
Name of the Name of the partner RE along with its proportion of funding Blended rate of interest
originating
RE, along
with its
funding
proportion
Not applicable Not applicable Not applicable
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, Not applicable
during which borrower shall not be charged any penalty on prepayment of
loan
(ii) Details of LSP acting as recovery agent and authorized to approach the Not applicable
borrower
* This Key Facts Statement is valid till the end of 11/05/2025
* Kindly note that insurance plan(s) from the insurance partner(s) engaged by the Bank ('such insurance partner(s)')
are made available for your convenience and in case you opt for the same, we can assist you in the enrolment of the
chosen plan. It is clarified that purchase of the insurance cover from such insurance partner(s) shall be voluntary
/optional and is not linked to availment of any product(s)/service(s) from the Bank. You may choose to avail the
insurance cover from such insurance partner(s) or from any other insurance providers.
* The details acknowledged in this Key Facts Statement ('KFS') are as on the date of signing the KFS. These
details are subject to change basis customer(s) request for modification in the loan terms and conditions including but
not limited to repayment commencement date, tenure, loan amount or any other relevant details.
* I / We undertake that the proceeds of this facility shall not be used for investment in the capital market or purchase
of gold in any form including primary gold, gold bullion, gold jewellery, gold coins, units of gold Exchange Traded
Funds (ETF) and units of gold Mutual Funds and Small Saving instruments and for speculative purpose.
Annex B
Computation of APR
Sr Parameter Details
No.
1 Sanctioned Loan amount (in 3,500,000
Rupees) (Sl no. 2 of the KFS
template - Part 1)
2 Loan Term (in years/ months/ 85 Months
days) (Sl No.4 of the KFS
template - Part 1)
a) No. of instalments for Not Applicable
payment of principal, in case
of non-equated periodic loans
b) # Type of EPI Monthly
Amount of each EPI (in 60,853
Rupees) and 85
nos. of EPIs (e.g., no. of EMIs
in case of monthly
instalments)
(Sl No. 5 of the KFS template
- Part 1)
c) No. of instalments for 0
payment of capitalised
interest, if any
d) Commencement of For cases disbursed from 1st to 6th of a month, EMI would fall due on the
repayments, post sanction (Sl 10th of the same month. For cases disbursed from 7th to 26th of a month,
No. 5 of the KFS template - EMI would fall due on the 5th of the next month. For cases disbursed from
Part 1) 27th to 30th/31st of a month, EMI would fall due on the 10th of the next
month.
3 Interest rate type (fixed or Fixed
floating or hybrid) (Sl No. 6 of
the KFS template - Part 1)
4 Rate of Interest (Sl No. 6 of 11.5 %
the KFS template - Part 1)
5 Total Interest Amount to be 1,638,432
charged during the entire
tenor of the loan as per the
rate prevailing on sanction
date (in Rupees)
6 Fee/ Charges payable (in 18,619
Rupees)
A Payable to the RE (Sl No.8A 10,619
of the KFS template - Part 1)
B Payable to third-party routed 8,000
through RE (Sl No.8B of the
KFS template - Part 1)
7 Net disbursed amount (1-6) 3,481,381
(in Rupees)
8 Total amount to be paid by 5,138,432
the borrower (sum of 1 and 5)
(in Rupees)
9 Annual Percentage rate- 11.61 %
Effective annualized interest
rate (in percentage) (SI No.9
of the KFS template - Part 1)
10 Schedule of disbursement as 100 % Upfront
per terms and conditions
11 Due date of payment of For cases disbursed from 1st to 6th of a month, EMI would fall due on the
instalment and interest 10th of the same month. For cases disbursed from 7th to 26th of a month,
EMI would fall due on the 5th of the next month. For cases disbursed from
27th to 30th/31st of a month, EMI would fall due on the 10th of the next
month.
# In as applicable cases of loans with moratorium period, advance EMI loans, broken period interest loan, graded EMI
loan, and moratorium loan with interest capitalization, the amount and number of EMIs mentioned may vary over loan
tenure. Please refer to Annex C for the detailed repayment schedule.
Annex C
Repayment Schedule for Annex B
Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)
1 3500000 0 26833 26833
2 3500000 27311 33542 60853
3 3472689 27573 33280 60853
4 3445116 27837 33016 60853
5 3417279 28104 32749 60853
6 3389175 28373 32480 60853
7 3360802 28645 32208 60853
8 3332157 28920 31933 60853
9 3303237 29197 31656 60853
10 3274040 29477 31376 60853
11 3244563 29759 31094 60853
12 3214804 30044 30809 60853
13 3184760 30332 30521 60853
14 3154428 30623 30230 60853
15 3123805 30917 29936 60853
16 3092888 31213 29640 60853
17 3061675 31512 29341 60853
18 3030163 31814 29039 60853
19 2998349 32119 28734 60853
20 2966230 32427 28426 60853
21 2933803 32737 28116 60853
22 2901066 33051 27802 60853
23 2868015 33368 27485 60853
24 2834647 33688 27165 60853
25 2800959 34010 26843 60853
26 2766949 34336 26517 60853
27 2732613 34665 26188 60853
28 2697948 34998 25855 60853
29 2662950 35333 25520 60853
30 2627617 35672 25181 60853
31 2591945 36014 24839 60853
32 2555931 36359 24494 60853
33 2519572 36707 24146 60853
34 2482865 37059 23794 60853
35 2445806 37414 23439 60853
36 2408392 37773 23080 60853
37 2370619 38135 22718 60853
38 2332484 38500 22353 60853
39 2293984 38869 21984 60853
40 2255115 39241 21612 60853
41 2215874 39618 21235 60853
42 2176256 39997 20856 60853
43 2136259 40381 20472 60853
44 2095878 40768 20085 60853
45 2055110 41158 19695 60853
46 2013952 41553 19300 60853
47 1972399 41951 18902 60853
48 1930448 42353 18500 60853
49 1888095 42759 18094 60853
50 1845336 43169 17684 60853
51 1802167 43582 17271 60853
52 1758585 44000 16853 60853
53 1714585 44422 16431 60853
54 1670163 44847 16006 60853
55 1625316 45277 15576 60853
56 1580039 45711 15142 60853
57 1534328 46149 14704 60853
58 1488179 46591 14262 60853
59 1441588 47038 13815 60853
60 1394550 47489 13364 60853
61 1347061 47944 12909 60853
62 1299117 48403 12450 60853
63 1250714 48867 11986 60853
64 1201847 49335 11518 60853
65 1152512 49808 11045 60853
66 1102704 50285 10568 60853
67 1052419 50767 10086 60853
68 1001652 51254 9599 60853
69 950398 51745 9108 60853
70 898653 52241 8612 60853
71 846412 52742 8111 60853
72 793670 53247 7606 60853
73 740423 53757 7096 60853
74 686666 54272 6581 60853
75 632394 54793 6060 60853
76 577601 55318 5535 60853
77 522283 55848 5005 60853
78 466435 56383 4470 60853
79 410052 56923 3930 60853
80 353129 57469 3384 60853
81 295660 58020 2833 60853
82 237640 58576 2277 60853
83 179064 59137 1716 60853
84 119927 59704 1149 60853
85 60223 60223 577 60800
## Computed considering entire loan period which includes actual EMI period plus variations in EMI periods due to
moratorium and graded EMIs. In case of any change in reference benchmark, the revised repayment schedule will be
communicated
Applicant Consent Details
Sr No. Applicant Name Mobile Number Consent Status Consent Time IP Address
1 DEEPAK PARWANI 9619045559 Pending
Disclaimer :
The information provided in the table above includes details of applicants and co-applicants who
have given their consents digitally. Applicants and co-applicants who have provided physical
consent are not included in this list.
