* 16-Feb-2024 - Date of application submission.

KEY FACT SHEET

This forms part of the loan cum hypothecation agreement dated 16-Feb-2024 executed online by ZAHOOR
AHMED KHAN with HDFC BANK LIMITED.
For the purpose of stamp duty, this statement of key terms is to be the principal document executed between
the Parties
The Borrower hereby confirms and agrees that he has executed loan cum hypothecation agreement dated
_____ 16-Feb-2024 ____ with HDFC Bank Limited through an online acceptance and one time pin generated
by the Bank, which Agreement has the below mentioned key terms and conditions and confirms that he is fully
bound by the said Agreement and the below mentioned key terms.
SCHEDULE
Agreement Date
Loan Agreement No. 32237TA00306
(DD/MON/YYYY)
Borrowers
Place of Agreement DELHI Self Employed
Constitution
Borrowing Purpose (Personal / Borrower
Commercial User) Personal Registered Email ahmedzahoor1286@gmail.com
ID
ZAHOOR AHMED KHAN , H-No-352E-3RD-FLOOR-NEAR-PAL DAIRY-
Name & Address of the Borrower
MUNIRKA-VILLAGE-NEW NEW DELHI 110067
VEHICLE DETAILS
METEOR 350 FIREBALL
Vehicle Make ROYAL ENFIELD MOTORS Model
Green
Engine Number J3A5FAR2036133 Chassis Number ME3J3A5FAR2010093
Year of
Vehicle Registration No.
Manufacture
Asset cost 237496.0
Dealer Name and Location KAYTEE AUTOMOBILES , DELHI
LOAN DETAILS & CHARGES
Sr. Pre mature closure charges Post Cooling
Details
No. Period of 3 Days:
Loan amount (amount
i disbursed/to be disbursed to 91000.0 -- Up to 24 Months - 5% of the Principal
the borrower) (in Rupees) Outstanding
Total interest charge during --Post 24 Months - 3% of the Principal
ii the entire tenor of the loan (in 12356.0 Outstanding
Rupees)
Other up-front charges, if any --NIL Pre mature closure Charges for Fixed
(break-up of each component rate loan facility up to Rs. 50 Lakh availed by
iii 2283.0 Micro & Small Enterprises and Closure from
to be given below) (in
Rupees) Own Source
Processing fees, if any (in
a 1365.0
Rupees)
Collateral / Registration
b Certificate (RC) Collection 700.0
Fees
c Documentation Charge 0.0 Loan Cancellation Post cooling period of 3
Stamp Duty & Other statutory Days:
d charges :- As per applicable 218.0
laws of the state NIL (However client would be charged interest
Others (if any) (in Rupees) for the interim period between date of loan
e - disbursement to loan cancellation and
(details to be provided)
iv Total Insurance 0.0 Processing fees, Documentation charges,
Stamp duty, other statutory charges and GST
Sarv Surkasha, If any (in
a 0.0 which are non-refundable charges would not
rupees)
be waived/ refunded)
b Credit Protect 0.0
c Extendend Warranty 0.0 No Due
certificate /No
NIL
d Any other Insurance objection
certificate:
Motor Insurance, if any (in
e 0.0
Rupees)(From Bank)
Duplicate NOC : Rs. 250/- Per Instance
Motor Insurance, if any (in
f
Rupees)(From Dealer)
 Net disbursed amount ((i)-(iii)-
v 88717.0
(iv)) (in Rupees)
Total amount to be paid by the Special NOC : Rs. 200/-
vi borrower/dealer (sum of (i), (ii) 105639.0
and (iii) ) (in Rupees)
vii Customer Rate of Interest 16.5% Rs. 50/- per
Annual Percentage Rate - schedule for
Effective annualized interest Amortization Schedule physical copy.
rate (in percentage) (computed Charges / Repayment Customer can
viii 19.59% Schedule Charges also download
on net disbursed amount using
IRR approach and reducing from website free
balance method) of cost.
Tenor of the Loan (in
ix 18 months
months/days) Repayment mode
Rs. 500/-
Installment Frequency change charges
x Monthly
Monthly / Bi-Monthly/ Differential
Number of instalments of
xi 18.0
repayment / EMI's
Rs. 50/- per
Amount of each instalment of CIBIL Charges
request
xii repayment (in Rupees) / EMI 5742.0
Amount
xiii EMI Start Date
Loan Rebooking /
xiv EMI End Date
Reschedulement Rs. 400/-
EMI scheme (Advance / charges
xv
Arrears)
xvi Advance EMIs (No's) 0 Legal / Collection/
Repossession and
At Actual
xvii Advance EMI amount 0.0 Other incidental
charges
Details about Contingent Charges
Delayed instalment payment charge 18 % p.a. Plus Payment Return Rs. 450 + Govt.
applicable government Charges Taxes & Levies
taxes on overdue
installment amount
Date on which annual outstanding
31st May
balance statement will be issued

* Govt Taxes & Levies and other government levies, as applicable would be charged additionally.
*Loan Processing fees, Documentation charges & Stamp Duty is non-refundable.
*Collateral Charges / Registration Certificate (RC) Collection Fees are refundable in case of loan cancellation.
*Zero Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises.
*10% Discount to senior citizen on all the service charges.
Other disclosures

Cooling off/look-up period during

which borrower shall not be
charged any penalty on prepayment
of loan and can exit digital loan by
paying the principal and the 3 Days
proportionate APR.
Stamp duty and other statutory
charges which are non-refundable
charges would not be
waived/refunded.
 In the event of default, the details of authorised associate to approach
for recovery of dues will be intimated to you through a payment
reminder communication and any change in details would be
Details of LSP acting as intimated to you thereon. List of authorised associates empanelled for
recovery agent and authorized handling collections are updated on the bank's website
to approach the borrower (https://www.hdfcbank.com/content/bbp/repositories/
723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Common%20O
verlays/Feedback/PDFS/Banking%20Ombudsman%20Scheme/list
_of_recovery_agency.pdf) for reference.
Name, designation, address and https://www.hdfcbank.com/personal/need-help/grievance-redressal-
phone number of nodal digital
grievance redressal officer
designated specifically to deal
with FinTech/ digital lending
related complaints/ issues
Privacy Policies of the HDFC https://www.hdfcbank.com/personal/useful-links/privacy
Bank