General Details

1 Date of KFS (T) 08/08/2025

Name of Regulated Entity (RE)
2 Tata Capital Limited (TCL)
/ Lender
3 KFS Validity T + 3 Working Days
Name of
a) PANKAJ KUMAR PANDEY
Borrower
Details of the Borrower/s and
4 b) Constitution Individial
Co-Borrower/s
FLAT NO 469 POCKET NO 1 SECTOR 14 DWARKA NEW DELHI , VEGAS
c) Address
MALL , New Delhi , Delhi , 110075
5 IP Address [Link]
6 OTP Consent Date And Time 08/08/2025 [Link]
7 Mobile Number 8565946288

Key Facts Statement

Part 1 (Interest rate and fees/charges)

Loan proposal /
KFS_386TZ8709359
1 account No. / Unique Type of Loan Two-Wheeler Loan
_0808_1242
Proposal Number.
2 Sanctioned Loan amount (in Rupees) 62,260
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) 19

5 Instalment details
Commencement of repayment, post
Type of instalments Number of EPIs EPI (Rs.)
sanction
Sr. Disbursement
EPI cycle date
No date
1st to 15th of the
Monthly 19 3,988 1 4th of next month
month
4th of next to next
2 16th to EOM
month
Interest rate (%) per Interest type (fixed or floating
6 IRR - 24.55 % Fixed
annum 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. 1799.15
(ii) Insurance charges One time Rs. 1955.93
(a) HDFC - Life Insurance One time Rs. 896.61
(b) TATA AIG – General Insurance One time Rs. 1059.32
(iii) Valuation Fees NA NA
(iv) Any Other
(a) Stamp Duty One Time Rs. 0.00
PDD – (Post Disbursal Document)
(b) One Time Rs. 500.00
Charges
(c) Documentation Charges One Time Rs. 0.00
(d) CPP – Card Protection Plan One Time Rs. 0.00
(e) Broken Period interest* One Time Rs.0.00
9 Annual Percentage Rate (APR) (%) 35.39 %
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
(iv) Any other Charges
Customer portal – Nil
(a) Statement of Account
Branch walk-in - Rs. 250
Customer portal – Nil
(b) Foreclosure report
Branch walk-in - Rs. 250
Rs.1000/- per month till the time of registration/noting with the authority,
(c) Charges for delay in RC hypothecation
where RC hypothecation is pending beyond 120 days post disbursement.
(d) Repossession Charges Rs.8,000/-
(e) Cancellation Charges 2% of the Facility amount or Rs.5750/- Whichever is higher
(f) PDC Charges – Post Dated Cheques Nil
(g) Duplicate NOC Rs.300/-
(h) Part Pre-payment Charges 5% of Part Payment amount at the time of part-prepayment
*Broken Period Interest (BPI) – BPI will not be a deduction from the loan amount disbursed to the customer
and, therefore, will not be considered for computing the Net disbursed amount (Serial No. 7 of the template
on ‘Computation of APR’). However, the BPI will be considered for Computation of APR.

Part 2 (Other qualitative information)

Please refer to the clause 15(d)/ 15(c) in the Specific

Agreement/Terms and Conditions respectively, as
applicable.
1 Clause of Loan agreement relating to engagement of recovery agents
“The Lender may utilize the services of recovery/
collection agents for collection of amounts in relation to
the Facility ”
Please refer to the clause 15(e)/ 15(d) in the Specific
Agreement/Terms and Conditions respectively, as
applicable.

“The Obligors may follow the below grievance redressal

procedure in case of any grievances pertaining to their
loan facility:

a. Level 1: To redress their grievances, the Obligors may

write to customercare@[Link] or call on the
customer care number 1860 267 6060. The Obligors will
receive an acknowledgment/response within 2 business
days of receiving their communication.

b. Level 2: If the Obligors are not satisfied with the

resolution provided after approaching Level 1, they may
enter their level 1 complaint number in the box provided
on the website and submit. This will trigger a message to
2 Clause of Loan agreement which details grievance redressal mechanism
Customer Redressal Officer who will help in resolving
your concern within 7 business days of the message.

c. Level 3: If the Obligors are still not satisfied with the

resolution provided after contacting the officials as
specified in Level 1 and Level 2, the Obligors are
requested to kindly enter the level 1 complaint number in
the box provided on the website and submit. This will
trigger a message to Chief Customer Redressal Officer
who will help in resolving the concern. The Obligors will
receive a resolution within 3 business days.

d. In case the Obligors’ complaint has not been addressed

to their satisfaction after following all the above steps,
they can approach banking RBI Ombudsman through the
link below.

Link: [Link]
Name- Ms. Francyna Dias
3 Phone number and Email ID of the nodal grievance redressal officer Phone Number- 18602676060
Email ID- seniorcroretail@[Link]
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 ([Link]-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.
• 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.
• For the APR, please refer the calculation of APR given below.
• Any revision in charges shall be updated by the Lender on its website ([Link]) or otherwise intimated to the
Borrowers.

Computation of APR

[Link] Parameter Details

1 Sanctioned Loan amount (in Rupees) (Sl no.2 of the KFS – Part 1) 62,260
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS– Part 1) 19
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 3,988
nos. of EPIs (Sl No. 5 of the KFS – Part 1) 19
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) 24.55 % p.a
Total Interest Amount to be charged during the entire tenor of the loan as per
5 13263
the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 5021.00
A Payable to TCL (Sl No.8A of the KFS -Part 1) 2299.15
B Payable to third-party routed through TCL (Sl No.8B of the KFS – Part 1) 1955.93
C Total GST on all the fees and charges 765.92
7 Net disbursed amount (1-6) (in Rupees) 57,239
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 75,523
Annual Percentage rate- Effective annualized interest rate (in percentage)10 (Sl
9 35.39 %
No.9 of the KFS-Part 1)
10 Schedule of disbursement as per terms and conditions Not Applicable
11 Due date of payment of instalment and interest 4th of every month
 Repayment Schedule

Outstanding Principal
Instalment No. Due Date Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
(in Rupees)
1 04/09/2025 62260.0 2884 1104 3988
2 04/10/2025 59376.0 2773 1215 3988
3 04/11/2025 56603.0 2830 1158 3988
4 04/12/2025 53773.0 2888 1100 3988
5 04/01/2026 50885.0 2947 1041 3988
6 04/02/2026 47938.0 3007 981 3988
7 04/03/2026 44931.0 3069 919 3988
8 04/04/2026 41862.0 3132 856 3988
9 04/05/2026 38730.0 3196 792 3988
10 04/06/2026 35534.0 3261 727 3988
11 04/07/2026 32273.0 3328 660 3988
12 04/08/2026 28945.0 3396 592 3988
13 04/09/2026 25549.0 3465 523 3988
14 04/10/2026 22084.0 3536 452 3988
15 04/11/2026 18548.0 3609 379 3988
16 04/12/2026 14939.0 3682 306 3988
17 04/01/2027 11257.0 3758 230 3988
18 04/02/2027 7499.0 3835 153 3988
19 04/03/2027 3664.0 3664.0 75 3739.0

Note:

The Repayment Schedule and its figures and calculation are as on 08/08/2025 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