General Details

1 Date of KFS (T) 16/01/2025

2 Name of Regulated Tata Capital Limited (TCL)
Entity (RE)/ Lender

3 KFS Validity T + 3 Working Days

4 Details of the a) Name of Borrower G MAHESH KUMAR
Borrower/s and Co-
b) Constitution Individual
Borrower/s
c) Address
NO 26 6 KURINJI NAGAR ANDHIVADI MATHIGIRI PO HOSUR CATTLE FARM
DIST KRISHNAGIRI TAMILNADUDharmapuri Tamil Nadu 635110

a) Name of Co-
Borrower
NA
b) Constitution NA
c) Address
NA

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ Type of Loan
account No. / Unique 838PZ8608696_1601_1517 Personal Loan
Proposal Number
2 Sanctioned Loan
Rs. 306288
amount (in Rupees)
3 Disbursal Schedule
(i) Disbursement in
stages or 100%
upfront. 100% Upfront
(ii) If it is stage wise,
mention the clause of
loan agreement having
relevant details
4 Loan Term
60 months
(year/months/days)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of Repayment, post sanction

Monthly 60 Rs. 8286 03/03/2025

6 Interest rate (%) Interest Type (fixed
21.00 % or floating or Fixed
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) (S) Final rate (%) R Reset Impact of change in the reference benchmark (for
Benchmark rate (%) (B) = (B) + (S) periodicity 25 bps change in ‘R’, change in:)
(Months)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL (A) Payable to a third party through TCL (B)
One-time/ Amount (in ₹) One-time/ Recurring Amount (in ₹) or Percentage
Recurring or Percentage (%) as applicable
(%) as
applicable
(i) Processing fees
One-time Rs.6126 (2.00 %) NA NA
(ii) Insurance charges
a) Life Insurance
NA NA One-time Rs. 1981
Premium
b) General Insurance
NA NA NA NA
Premium
c) Health Insurance
NA NA NA NA
Premium
(iii) Valuation fees
NA NA NA NA
(iv) Any other
a) Stamp Duty
NA NA One-time Rs. 200
b) Broken Period Interest
One-time Rs. 3037 NA NA
c) One Assist Plan
NA NA NA NA
Amount
d) IHO Plan Amount
NA NA NA NA
e) CPP Plan Amount NA NA NA NA
f) TATA AIG 360 Amount NA NA One-time Rs. 1653
g)
h)
9 Annual Percentage
23.40 %
Rate (APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, For default in payment of interest and/ or principal amounts – 3% per month on defaulted amount
in case of delayed (Annualized Penal Charge of 36%)
payment
(ii) Other penal charges, if
any
a) For Dishonour of
Cheque/ Payment Rs. 600/- per instrument per instance
Instrument/ Mandate
b) For Mandate Rejection Rs. 450/-
(Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of
previous mandate form by Borrower’s bank for any reasons whatsoever.)
(iii) Foreclosure charges, if Lock-in Period: 12 months from the date of first disbursement
applicable Foreclosure charges on Term Loan Facility:
a) 4.5% on the principal outstanding at the time of foreclosure.
b) In case the Borrower forecloses the Facility within 12 months after doing part-prepayment,
foreclosure charges of 4.5% will be levied on the principal outstanding plus part prepayment amount.
c) Any prepayment/foreclosure made during the Lock-in period will attract additional 2% over and
above the prepayment/ foreclosure charges mentioned in (a) above on the principal outstanding at
the time of foreclosure.
Foreclosure charges on Top-up:
a) 2.50% on the principal outstanding at the time of foreclosure.
b) Foreclosure charges shall be levied only if new rate is lower than existing rate.
c) Any prepayment/ foreclosure made during the Lock-in Period will attract prepayment/ foreclosure
charges of 4.5% on the principal outstanding.
Foreclosure Charges in Dropline Facility:
a) 4.5% on the Dropped down limit amount.
b) Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2% over and
above the prepayment/ foreclosure charges mentioned in (a) above on the Dropped down limit
Part Prepayment:
A part prepayment charge of 4.5% shall be applicable on the part prepayment amount
a)
b) Any part prepayment made during the Lock-in period will attract additional 2% over and above the
part prepayment charges mentioned in (a) above
c) No part prepayment charges shall be applicable on payment of upto 25% of disbursed Loan Amount
during the entire loan tenure.
(iv) Charges for switching
of loans from floating
to fixed rate and vice NA
versa
(v) Any other charges
a) Payment Instruments Rs. 550/- per instance
Swapping Charges
b) Cancellation Charges 2% of the Loan Amount/ Facility amount OR
 Rs. 5750/-
Whichever is higher
c) Duplicate Repayment Rs. 550/-
Schedule
d) Duplicate NOC Rs. 550/-
e) Statement of Account Customer Portal – Nil
(SOA) Branch walk-in – Rs. 250/-
f) Foreclosure Report Customer Portal – Nil
Branch walk-in – Rs 199/-
g) Annual Maintenance 0.25% on Dropline Amount or Rs.1000, (whichever is higher) per year will be deducted from the limit and
Charges for PL shall be payable at the end of the 13th month.
Overdraft (Dropline
facility)
h)
i)

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of Please refer to the Clause ‘Miscellaneous Terms’ in the Specific
recovery agents Agreement/Terms and Conditions
2 Clause of Loan agreement which details grievance redressal Please refer to the Clause ‘Miscellaneous Terms’ in the Specific
mechanism Agreement/Terms and Conditions
3 Phone number and email id of the nodal grievance redressal Name Ms. Francyna Dias
officer Phone No 18602676060
Email ID [email protected]

4 Whether the loan is, or in future maybe, subject to transfer

Yes
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:
Name of the originating RE, along with Name of the partner RE along with its proportion of Blended rate of interest
its funding proportion 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 borrower shall not be 3 days from the date of loan disbursal
charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized
NA
to approach the borrower

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.
 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 facilities which are in the nature of revolving line of credits, the repayment schedule and the APR are calculated assuming
customer has utilised 100% amount on the day of disbursal.
 For the APR, please refer the calculation of APR given below.
 Benefits like Overdraft:
o Disbursement would be post deduction of processing fee, insurance charges and any other applicable charges.
o In case of Overdraft facility customer needs to pay interest on the limit utilized for the first 12 months (or as may be
applicable). Drop Down will start from the 13th month (or as may be applicable) onwards. The principal due amount
as applicable along with the interest on the limit utilized would be repaid by the Borrower/s on the due date as
applicable of every month.
 Any revision in charges shall be updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the
Borrowers.
 Annex B

Computation of APR

Sr. Parameter Details

No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS –
Rs. 306288
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS –
60 Months
Part 1)
a) No. of instalments for payment of principal, in case of
NA
non-equated periodic loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and Rs. 8286
Nos. of EPIs (Sl No. 5 of the KFS – Part 1) 60
c) No. of instalments for payment of capitalised interest, if
NA
any
d) Commencement of repayments, post sanction (Sl No. 5 of
03/03/2025
the KFS – Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of
Fixed
the KFS – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1)
21.0 %
5 Total Interest Amount to be charged during the entire
tenor of the loan as per the rate prevailing on sanction Rs. 190879
date (in Rupees)
6 Fee/ Charges payable (in Rupees)
Rs. 14754
A Payable to TCL (Sl No.8A of the KFS -Part 1)
Rs. 9163
B Payable to third-party routed through TCL (Sl No.8B of the
Rs. 3834
KFS – Part 1)
C Total GST on all the fees and charges
Rs. 1757
7 Net disbursed amount (1-6) (in Rupees)
Rs. 291534
8 Total amount to be paid by the borrower (sum of 1 and 5)
Rs. 497167
(in Rupees)
9 Annual Percentage rate- Effective annualized interest rate
(in percentage) (Sl No.9 of the KFS -Part 1) 23.40 %
10 Schedule of disbursement as per terms and conditions
Refer Repayment Schedule
11 Due date of payment of instalment and interest 3rd of every month
 Personal Loan Term & Overdraft Agreement

Annex C
Repayment Schedule

Outstanding Principal(in Interest(in Installment(in

Installment No. Principal(in Rupees) Rupees) Rupees)
Rupees)
1 306,288 2,926 5,360 8,286
2 303,362 2,977 5,309 8,286
3 300,385 3,029 5,257 8,286
4 297,355 3,082 5,204 8,286
5 294,273 3,136 5,150 8,286
6 291,136 3,191 5,095 8,286
7 287,945 3,247 5,039 8,286
8 284,698 3,304 4,982 8,286
9 281,394 3,362 4,924 8,286
10 278,033 3,421 4,866 8,286
11 274,612 3,480 4,806 8,286
12 271,132 3,541 4,745 8,286
13 267,590 3,603 4,683 8,286
14 263,987 3,666 4,620 8,286
15 260,321 3,731 4,556 8,286
16 256,590 3,796 4,490 8,286
17 252,794 3,862 4,424 8,286
18 248,932 3,930 4,356 8,286
19 245,002 3,999 4,288 8,286
20 241,004 4,069 4,218 8,286
21 236,935 4,140 4,146 8,286
22 232,795 4,212 4,074 8,286
23 228,583 4,286 4,000 8,286
24 224,297 4,361 3,925 8,286
25 219,936 4,437 3,849 8,286
26 215,499 4,515 3,771 8,286
27 210,984 4,594 3,692 8,286
28 206,390 4,674 3,612 8,286
29 201,716 4,756 3,530 8,286
30 196,960 4,839 3,447 8,286
31 192,121 4,924 3,362 8,286
32 187,197 5,010 3,276 8,286
33 182,187 5,098 3,188 8,286
34 177,089 5,187 3,099 8,286
35 171,902 5,278 3,008 8,286
36 166,624 5,370 2,916 8,286
37 161,254 5,464 2,822 8,286
38 155,789 5,560 2,726 8,286
39 150,230 5,657 2,629 8,286
40 144,572 5,756 2,530 8,286
41 138,816 5,857 2,429 8,286
42 132,960 5,959 2,327 8,286
43 127,000 6,064 2,223 8,286
44 120,937 6,170 2,116 8,286
45 114,767 6,278 2,008 8,286
46 108,489 6,388 1,899 8,286
47 102,102 6,499 1,787 8,286
48 95,602 6,613 1,673 8,286
49 88,989 6,729 1,557 8,286
 Personal Loan Term & Overdraft Agreement
50 82,260 6,847 1,440 8,286
51 75,414 6,966 1,320 8,286
52 68,447 7,088 1,198 8,286
53 61,359 7,212 1,074 8,286
54 54,147 7,339 948 8,286
55 46,808 7,467 819 8,286
56 39,341 7,598 688 8,286
57 31,744 7,731 556 8,286
58 24,013 7,866 420 8,286
59 16,147 8,004 283 8,286
60 8,144 8,144 143 8,286
Total 306,288 190,879 497,167
Note:

The Repayment Schedule and its figures and calculation are as on 16/01/2025 and may

vary based on the applicable date of disbursement. I confirm that I have thoroughly read

and understood the Key Facts Statement

G MAHESH KUMAR

Borrower Co-Borrower