Annex A
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ account No. 101-0000180504 Type of Loan Dial For Cash
2 Sanctioned Loan amount 47000.00
(in Rupees)
3 Disbursal schedule
(i) Disbursement in stages or 100% upfront
100% upfront.
(ii) If it is stage wise, mention the NA
clause of loan agreement
having relevant details
4 Loan term (months) 24
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of repayment, post sanction[1]
Monthly 24 2415.14 2025-01-01
6 Interest rate (%) and type (fixed or floating or hybrid) 21.00% (p.a.) Fixed
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) Final rate (%) R = (B) Reset periodicity Impact of change in the reference benchmark
Benchmark rate (%) (S) + (S) (Months) (for 25 bps change in ‘R’, change in:)
(B)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/ Charges[3] (net of taxes such as GST)
Payable to the Bank Payable to a third party through Bank (B)
(A)
One-time/ Recurring Amount (in One- Amount (in ₹) or
₹) or time/Recurring Percentage
Percentage (%) as applicable
(%) as applicable
(i) Processing fees One-time Rs. 1175.00
(ii) Insurance charges
(iii) Any other (please specify)
9 Annual Percentage Rate 24.16%
(APR) (%)[2]
10 Details of Contingent Charges[3] (in ₹ or %, as applicable)
(i) Penal charges, if any, in case of Rs. 1000 per instance
delayed payment
(ii) Other penal charges, if any Rs. 0
(iii) Finance Charges Rs. 0
(iv) Cheque Return/ Dishonour Fee Auto Rs. 500 per instance
Debit Reversal bank Account out of
funds
(v) Cash Payments at RBL Bank Rs. 100 per instance
Branches
(vi) Pre- closure charges/ foreclosure 3% of principal outstanding amount
charges, if applicable
(vii) Charges for switching of loans from Not applicable as fixed rate only allowed for this loan product
floating to fixed rate and vice versa
(viii) Legal Fees and charges As per actuals
(ix) Any other charges (please specify) NA
1. Payment due date is subject to successful disbursal of loan amount to the borrower before next statement date. In case loan is disbursed post
statement date, date of commencement of repayment will change to subsequent payment due date accordingly.
2. Computed on net disbursed amount using IRR approach and reducing balance method. The calculation of APR is made with the assumption that the
loan amount is disbursed 100% upfront in single tranche. GST component is included in APR calculation.
3. GST and other statutory charges will be levied as per prevailing rate over and above the mentioned charges basis applicability.
Part 2 (Other qualitative information)
1 Clause of Loan agreement relating to engagement of recovery Refer recovery agent section in Dial For Cash
agents T&C Terms & Conditions
2 Clause of Loan agreement which details grievance redressal Refer Grievance Redressal mechanism in Dial For
mechanism Cash T&C Terms & Conditions
3 Phone number and email id of the nodal Principal Nodal Officer – RBL Bank Ltd.
grievance redressal officer Mr. Vikas Nigam
RBL Bank Ltd, Unit No. 306-311, 3rd Floor,
JMD Megapolis, Sector – 48, Sohna Road,
Gurugram – 122018, Haryana.
Email - [email protected]
Contact number - 022 7143 2700
4 Whether the loan is, or in future maybe, subject to transfer to Yes
other Bank 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 Bank, along with its Name of the partner Bank along with its proportion of funding Blended rate of interest
funding proportion
NA NA NA
6 In case of digital loans, following specific disclosures may be furnished:
(i) Cooling off/look-up period, in terms of Bank board-approved policy, 3 Days
during which borrower shall not be charged any penalty on prepayment
of loan.
(ii) Details of LSP acting as recovery agent and authorized to https://bit.ly/3wLpTNi
approach the borrower.
For detailed privacy policy of RBL Bank, please refer :Privacy Policy
Annex B
Illustration for computation of APR for Retail loans
Sr. No. Parameter Details
1 Sanctioned Loan amount (in Rupees)(Sl no. 2 –Annex A. Part 1) 47000.00
2 Loan Term (in months)(Sl No.4– Annex A. Part 1) 24
a) No. of instalments for payment of principal, in case of no equated periodic loans NA
b) Type of EPI Monthly
Amount of each EPI* (in Rupees) and 2415.14
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 24
(Sl No. 5 of the KFS template – Part 1)
c) No. of instalments for payment of capitalised interest, if any NA
d) Commencement of repayments, post sanction (Sl No. 5– Annex A. Part 1) 2025-01-01
3 Interest rate type (fixed or floating or hybrid)(Sl No. 6– Annex A. Part 1) Fixed
4 Rate of Interest(Sl No. 6– Annex A. Part 1) 21.00% (p.a.)
5 Total Interest Amount to be charged during the entire tenor of the loan as per 10963.37
the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable* (in Rupees) 1175.0
A Payable to the Bank* (Sl No.8A – Annex A. Part 1) 1175.00
B Payable to third-party routed through Bank (Sl No.8B – Annex A. Part 1) 0.00
7 Net disbursed amount (in Rupees) 47000.00
8 Total amount to be paid by the borrower* (sum of 1, 5 and 6) (in Rupees) 59138.37
9 Annual Percentage rate- Effective annualized interest rate (in percentage) (Sl 24.16%
No.9 – Annex A. Part 1)
10 Schedule of disbursement as per terms and conditions 100% Upfront.
11 Due date of payment of instalment and interest 2025-01-01
*Taxes Applicable.
Annex C
Repayment Schedule under Equated Periodic Instalment for the loan illustrated in Annex B
Instalment No. Outstanding Principal (in Interest (in Instalment (in Rupees)
Principal (in Rupees) Rupees) Rupees)
1 47000.00 1592.63 823 2415.13
2 45407.37 1620.50 795 2415.13
3 43786.88 1648.86 766 2415.13
4 42138.02 1677.71 737 2415.13
5 40460.31 1707.07 708 2415.13
6 38753.24 1736.94 678 2415.13
7 37016.30 1767.34 648 2415.13
8 35248.96 1798.27 617 2415.13
9 33450.69 1829.74 585 2415.13
10 31620.95 1861.76 553 2415.13
11 29759.19 1894.34 521 2415.13
12 27864.85 1927.49 488 2415.13
13 25937.36 1961.22 454 2415.13
14 23976.14 1995.54 420 2415.13
15 21980.60 2030.47 385 2415.13
16 19950.13 2066.00 349 2415.13
17 17884.13 2102.15 313 2415.13
18 15781.98 2138.94 276 2415.13
19 13643.04 2176.37 239 2415.13
20 11466.67 2214.46 201 2415.13
21 9252.21 2253.21 162 2415.13
22 6999.00 2292.64 122 2415.13
23 4706.35 2332.76 82 2415.13
24 2373.59 2373.59 42 2415.13
