Annex A

Key Fact Statement

Part 1 (Interest Rate and fees/charges)

HDFC BANK LTD

DATE - 14/9/2024
Applicant Name - CHAGALERU ROHINI

1 Loan proposal /account Number WU2582411590 Type of Loan Insta Loan

Sanctioned Loan amount (In
2 Rs 70,000
Rupees)
3 Disbursement schedule
Disbursement in stages or 100%
(i) 100% Upfront
upfront
If it is stage wise mention the
(ii) clause of loan agreement having Not applicable
relevant details
4 Loan Term (Year/Months/Days) 36 Months

5 Instalment Details
Commencement of
Type of Instalments Number of EPIs EPI(Rs) repayment, post
sanction

12/10/2024

Monthly 36 Rs 2,357.23 EMI amount is payable

as per due date
specified in monthly
Statement
Interest rate p.a.(%) and
6 12.96%, Fixed
type(Fixed or floating or hybrid)
7 Additional information in case of floating rate of interest
Impact of change in
Final Rest Periodicity (Months) the reference
Reference Benchmark
Spread(%)(S) Rate(%) benchmark
Benchmark RATE(%)(B)
R=(B)+(S) Number of
B S EPI(Rs)
EPIs
Not
Not Not Not Not Not Not
Not Applicable Applica
Applicable Applicable Applicable Applicable Applicable Applicable
ble

Application is submitted on-line by the customer on 14/9/2024 at 4:48

 8 Fee/Charges

Payable to the RE(A) Payable to a third party through RE(B)

Amount (in Rs) or Amount (in Rs) or

One-
One- time/ Recurring percentage (%) as percentage (%) as
time/Recurring
applicable applicable

(i) Processing Fees One time Rs 999 Not Applicable Not Applicable

(ii) Insurance Charges - - Not Applicable Not Applicable

(iii) Valuation Fees - - Not Applicable Not Applicable

Any Other (Please

(iv) - - Not Applicable Not Applicable
specify)

9 Annual Percentage Rate (APR)(%) 13.97 %

10 Details of contingent charges (in Rs or %, as applicable)

Late payment
(i) Penal Charges , if any, in case of delayed payment Outstanding Balance
Charges(Excl. GST)
Less than ₹100 Nil
₹100 to ₹500 Rs 100/-
₹501 to ₹5,000 Rs 500/-
₹5,001 to ₹10,000 Rs 600/-
₹10,001 to ₹25,000 Rs 800/-
₹25,001 to ₹50,000 Rs 1100/-
More than ₹50,000 Rs 1300/-

Payment Return fees: 2% of the payment amount, min

(ii) Other penal charges, if any
Rs450, max Rs4999.

3% of principal outstanding + GST & Pro-rata interest

(iii) Foreclosure charges, if applicable
+GST

Charges for switching of loans from floating to fixed

(iv) Not Applicable
rate and vice versa

(v) Any other charges(Please specify) Not Applicable

Application is submitted on-line by the customer on 14/9/2024 at 4:48

 Total Interest charged during the entire tenure of the Rs 14,858
11
loan (In Rupees)

Total amount to be paid by the borrower (Sum of

12 Rs 85,857
(2),8(i),11) (In Rupees)

https://www.hdfcbank.com/personal/useful-
13 Privacy policies of HDFC Bank
links/privacy

Part 2 (Other Qualitative Information)

In the event of default, the details of authorized associate to

approach for recovery of dues will be intimated to you through a
Clause of Loan agreement relating to payment reminder communication and any change in details
1
engagement of recovery agents would be intimated to you thereon. List of authorized associates
empaneled for handling collections are updated on the bank’s
website for reference.
Clause of Loan agreement which details
2 Not applicable
grievance redressal mechanism
Mr. Kannan Ramaseshan (Grievance Redressal Officer)
Grievance Redressal Cell, HDFC Bank Limited,
1st Floor, Empire Plaza-1, Lal Bahadur Shastri Marg, Chandan
Nagar, Vikroli West, Mumbai-400083
Phone number and email id of the nodal Call: 18002664060
3
grievance redressal officer Monday to Saturday
9.30am to 5.30pm
This facility is not available on 2nd and 4th Saturdays, all
Sundays and Bank Holidays

4 Whether the loan is, or in future maybe,

subject to transfer to other Res or Not applicable
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
Blended rate of interest
its funding proportion proportion of funding
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, during which
3 days
borrower shall not be charged any penalty
on prepayment of loan
https://www.hdfcbank.com/content/bbp/
(ii) Details of LSP acting as recovery agent and repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?
authorized to approach the borrower path=/Common%20Overlays/Feedback/PDFS/Banking%
20Ombudsman%20Scheme/Active-Collection-Vendor-List.pdf

Application is submitted on-line by the customer on 14/9/2024 at 4:48

 Annex B

APR computation sheet

Number Parameter Details

1 Sanctioned Loan amount (in Rupees) Rs 70,000
2 Loan Term (in years/months/days) 36 Months
Number of instalments for payment of principal, in case of
a) Not Applicable
non-equated periodic loans
Type of EPI Monthly
b) Amount of each EPI(in Rupees) and Rs 2,357.23
Number of EPIs 36
Number of instalments for payment of capitalised interest,
c) Not applicable
if any

12/10/2024
d) Commencement of repayments, post sanction
EMI amount is payable as per due date
specified in monthly Statement
3 Interest rate type Fixed
4 Rate of interest p.a(%) 12.96 %
Total interest amount to be charged during the entire
5 tenor of the loan as per the rate prevailing on sanction Rs 14,858
date (in Rupees)
6 Fee/Charges payable (in Rupees)
A Payable to the RE Rs 999
B Payable to third-party routed through RE Not Applicable
7 Net disbursed amount (in Rupees) Rs 70,000
Total amount to be paid by the borrower (sum of 1 and 5
8 Rs 85,857
and 6A) (in Rupees)
Annual Percentage Rate- Effective annualised interest rate
9 13.97 %
(in percentage)
10 Schedule of disbursement as per terms and conditions 100% Upfront
12/10/2024

11 Due date of payment of instalment and interest EMI amount is payable as per due date
specified in monthly Statement

Application is submitted on-line by the customer on 14/9/2024 at 4:48

 Annex C

Repayment Schedule

INSTALMENT OUTSTANDING PRINCIPAL (IN PRINCIPAL (IN INTEREST *EXCLUDING GST (IN INSTALMENT (IN
NO. RUPEES) RUPEES) RUPEES) RUPEES)

1 70000 1601.23 756 2357.23

2 68399 1618.23 739 2357.23

3 66781 1636.23 721 2357.23

4 65144 1653.23 704 2357.23

5 63491 1671.23 686 2357.23

6 61820 1689.23 668 2357.23

7 60131 1708.23 649 2357.23

8 58422 1726.23 631 2357.23

9 56696 1745.23 612 2357.23

10 54951 1764.23 593 2357.23

11 53187 1783.23 574 2357.23

12 51403 1802.23 555 2357.23

13 49601 1821.23 536 2357.23

14 47780 1841.23 516 2357.23

15 45939 1861.23 496 2357.23

16 44078 1881.23 476 2357.23

17 42196 1901.23 456 2357.23

18 40295 1922.23 435 2357.23

19 38373 1943.23 414 2357.23

20 36430 1964.23 393 2357.23

21 34465 1985.23 372 2357.23

22 32480 2006.23 351 2357.23

23 30474 2028.23 329 2357.23

24 28446 2050.23 307 2357.23

25 26396 2072.23 285 2357.23

26 24323 2094.23 263 2357.23

27 22229 2117.23 240 2357.23

28 20112 2140.23 217 2357.23

29 17972 2163.23 194 2357.23

30 15808 2186.23 171 2357.23

31 13622 2210.23 147 2357.23

32 11412 2234.23 123 2357.23

33 9178 2258.23 99 2357.23

34 6919 2282.23 75 2357.23

35 4637 2307.23 50 2357.23

36 2330 2330.01 25 2355

*GST is applicable on interest and charges.

*GST is not added in the APR calculation.
The first EMI amount will include gap interest and will thus differ from what is mentioned in the above KFS table.