Key Fact Statement / Fact Sheet

Part 1 (Interest rate and fees/charges)

1. Loan proposal / account No: 703313267
RESIDENT TOP-UP LOAN -EXIST HSG LOAN CUST -
Type of Loan VARIABLE RATE -MONTHLY REST
Name of the Borrower MR PANDA SAMBIT KUMAR
2. Sanctioned Loan amount (in Rupees) 1000000
3. Disbursal schedule
(i) Disbursement in stages or 100% upfront. Stagewise
(ii) If it is stage wise, mention the clause of Refer article 4.1 of the loan agreement
loan agreement having relevant details
4. Loan term ( months ) 180
5. Instalment details
Type of instalments Number of EPI (Rs.) Commencement of repayment, post sanction*
EPIs
MONTHLY 180 10382 The date of commencement of EMI shall be the FIRST day
of the month following the month in which the final
disbursement of the loan will have been completed and
consequently the Due Date of payment of the first EMI in
such case will be the 5th day of the month following such
month and the Due Dates for subsequent EMIs shall be on
or before 5th day of every succeeding month thereafter

6. Interest rate (%) and type (fixed or floating or hybrid) 9.40% Floating
7. Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final rate(%) Reset periodicity Impact of change in
Benchmark rate (%) (B) (%) (S) R = (B) + (S) (Months) the reference
External Benchmark 6.50 2.90 9.40 B S EPI(Rs)** No.of EPIs**
Lending Rate
Monthly Not Applicable 10382 180
("EBLR") of HDFC
Bank Limited i.e.
Repo Rate
**EPI amount is mentioned assuming no change in No. of EPIs; No. of EPIs are mentioned assuming no
change in EPI amount.
8. Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)
One-time/ Amount (in Rs.) or One-time/ Amount (in Rs.) or
Recurring Percentage Recurring Percentage
(%) as applicable (%) as applicable

i. Processing fees One Time 5000 0

ii. Insurance Charges 0 0
iii.Valuation fees 0 0
iv.CERSAI Registration
Charges paid to Bank One Time 100 0
v. Any other (please specify) 0 0
Total 5100 0
9. Annual Percentage Rate (APR) (%)* 9.49%
10.Details of Contingent Charges (in Rs. or %, as applicable)
i. Penal charges, if any, in case of Delayed instalment payment charge 18% P. A. plus applicable
delayed payment government taxes on overdue instalment amounts.
ii. Other penal charges,if any
iii.Foreclosure charges, if applicable For Housing Loan , Home Renovation, Home Extension Loan ,
Plot Loan , Plot + Construction Loan.
• Adjustable Rate Loans (ARHL) and Combination Rate Home
Loan (“CRHL”) during the period of applicability of the Variable
Rate of interest – Nil
• Fixed Rate Loans (“FRHL”) and Combination Rate Home Loan
(“CRHL”) during the period of applicability of the Fixed Rate of
interest - 2% plus applicable taxes/statutory except when part or
full prepayment is being made through own sources*.
 For Topup loans/ Home Equity/ NRP/ NRP Equity loan/Plot Equity
Loan

No prepayment charges shall be applicable for part prepayment

once during a financial year only if the amount being prepaid does
not exceed 25 % of the principal amount outstanding at the time of
such prepayment. 2.5% (+) Applicable Taxes of principal outstanding
being prepaid or at such rates as decided by the Bank If The Amount
Being Prepaid Is More Than Said 25%.Premature Closure
Charges:2.5% (+) Applicable Taxes of principal outstanding being
prepaid or at such rates as decided by the Bank.

No prepayment/premature closure charges will be applicable for

payments made post 60 months from the date of last disbursement
of the loan.
NIL pre-payment/part-payment/premature closure charges on
floating rate term loan sanctioned for purposes other than business
to individual borrowers with or without co-obligant(s).NIL Pre-
Payment /Part Payment & Premature closure charges on floating
rate loans to Micro & Small Enterprise (MSE) Certified borrowers.

iv.Charges for switching of loans For Housing Loan , Home Renovation, Home Extension Loan , Plot
from floating to fixed rate and Loan , Plot + Construction Loan. (Switch to lower rate in Variable rate
vice versa loans )
Upto 0.50% of the Principal Outstanding and undisbursed amount (if
any) at the time of Conversion or Rs 3000 (which ever is lower ) for
1st Conversion with charges, for Subsequent conversions charges
would be Upto 0.50% of the Principal Outstanding and undisbursed
amount (if any) at the time of Conversion OR Rs 2000 ( which ever is
lower ).
Switch from Combination rate home loan under fixed rate term/Fixed
rate loan to Variable rate – Upto 1.50% of the Principal Outstanding.
Conversion of ROI from floating to fixed(who have availed EMI based
floating rate Personal Loans).Please refer the RBI
circularNo.DBR.No.BP.BC.99/08.13.100/2017-18 on "XBRL Returns
– Harmonization of Banking Statistics" dated January 04, 2018.".
For Topup loans / Home Equity / NRP / NRP Equity loan/Plot Equity
Loan (Switch to lower rate in Variable rate loans )
Upto 0.50% of the Principal Outstanding and undisbursed amount (if
any) at the time of Conversion or Rs 5000 (which ever is lower )
v. Any other charges Payment Return Charges - Rs. 300/- Per Dishonor.
(please specify) Photocopy of Documents - Upto Rs. 500/-.
List of documents-For issuance of duplicate list of documents post
disbursement - Upto Rs.500/-
Repayment Mode Change Charges - Upto Rs.500/-
Custody Charges/Property Document Retention charges:- Rs.1000
per calendar month, after 2 calendar months from date of closure of
all loans/facilities linked to the collateral
Re-appraisal of loan after 6months from date of sanction -
Salaried/Self employed Professional-Upto Rs. 3300/- For Self-
Employed Non-Professionals/ NRI/ Value Plus Loans/ HDFC Reach
Scheme/- Upto Rs. 5000
Fees On Account Of External Opinion- at actual
Statutory / Regulatory Charges- at actual
Mortgage Guarantee- at actual
Incidental Charges- at actual
Non Compliance of sanction / agreed Terms-Upto 2% charges per
annum on principal outstanding for non compliance of agreed
terms upto its fulfillment - (Charged on monthly basis) Subject to a
Max of Rs. 50000/- for Critical security related deferrals Max of Rs.
25000/- for other deferrals
All the above service charges/fees/Commissions are exclusive of taxes.
 Part 2 (Other qualitative information)
1. Clause of Loan agreement relating to Refer article 9.3(C) of the loan agreement
engagement of recovery agents
2. Clause of Loan agreement which details Refer SCHEDULE IX
grievance redressal mechanism ADDITIONAL SCHEDULE CUM KEY FACT STATEMENT
3. Phone number and email id of the nodal Toll free no - 18002664060 and email Id:-
grievance redressal officer grievance.redressal@hdfcbank.com
4. Whether the loan is, or in future maybe,
subject to transfer to other REs or Yes
securitisation
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, Name of the partner RE along
Blended rate of interest
along with its funding proportion with its 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 during which borrower
shall not be charged any penalty on prepayment
of loan and can exit digital loan by paying the Not Applicable
principal and the proportionate APR. Stamp
duty, other statutory charges and GST which are
non-refundable charges would not be
waived/refunded.
ii. Details of LSP acting as recovery agent and Not Applicable
authorized to approach the borrower

*subject to sanction acceptance at the time of first disbursement

All the above charges/fees/Commissions are exclusive of taxes. All government taxes are applicable.
10% discount to senior citizens on all the service charges
NIL Premature Closure Charges /Foreclosure/ Prepayment Charges for Fixed rate loan facility up to
Rs. 50 Lakh availed by Micro & Small Enterprises.

Detailed Repayment Schedule

Instalment Outstanding Principal Principal Interest Instalment
No. (in Rupees) (in Rupees) (in Rupees) (in Rupees)
0 1000000 2549 7833 10382
1 997451 2569 7813 10382
2 994882 2589 7793 10382
3 992293 2609 7773 10382
4 989684 2629 7753 10382
5 987055 2650 7732 10382
6 984405 2671 7711 10382
7 981734 2692 7690 10382
8 979042 2713 7669 10382
9 976329 2734 7648 10382
10 973595 2756 7626 10382
11 970839 2777 7605 10382
12 968062 2799 7583 10382
13 965263 2821 7561 10382
14 962442 2843 7539 10382
15 959599 2865 7517 10382
16 956734 2888 7494 10382
17 953846 2910 7472 10382
18 950936 2933 7449 10382
19 948003 2956 7426 10382
20 945047 2979 7403 10382
21 942068 3002 7380 10382
22 939066 3026 7356 10382
23 936040 3050 7332 10382
24 932990 3074 7308 10382
25 929916 3098 7284 10382
26 926818 3122 7260 10382
27 923696 3146 7236 10382
28 920550 3171 7211 10382
29 917379 3196 7186 10382
30 914183 3221 7161 10382
31 910962 3246 7136 10382
32 907716 3272 7110 10382
33 904444 3297 7085 10382
34 901147 3323 7059 10382
35 897824 3349 7033 10382
36 894475 3375 7007 10382
37 891100 3402 6980 10382
38 887698 3428 6954 10382
39 884270 3455 6927 10382
40 880815 3482 6900 10382
41 877333 3510 6872 10382
42 873823 3537 6845 10382
43 870286 3565 6817 10382
44 866721 3593 6789 10382
45 863128 3621 6761 10382
46 859507 3649 6733 10382
47 855858 3678 6704 10382
48 852180 3707 6675 10382
49 848473 3736 6646 10382
50 844737 3765 6617 10382
51 840972 3794 6588 10382
52 837178 3824 6558 10382
53 833354 3854 6528 10382
54 829500 3884 6498 10382
55 825616 3915 6467 10382
56 821701 3945 6437 10382
57 817756 3976 6406 10382
58 813780 4007 6375 10382
59 809773 4039 6343 10382
60 805734 4070 6312 10382
61 801664 4102 6280 10382
62 797562 4134 6248 10382
63 793428 4167 6215 10382
64 789261 4199 6183 10382
65 785062 4232 6150 10382
66 780830 4266 6116 10382
67 776564 4299 6083 10382
68 772265 4333 6049 10382
69 767932 4367 6015 10382
70 763565 4401 5981 10382
71 759164 4435 5947 10382
72 754729 4470 5912 10382
73 750259 4505 5877 10382
74 745754 4540 5842 10382
75 741214 4576 5806 10382
76 736638 4612 5770 10382
77 732026 4648 5734 10382
78 727378 4684 5698 10382
79 722694 4721 5661 10382
80 717973 4758 5624 10382
81 713215 4795 5587 10382
82 708420 4833 5549 10382
83 703587 4871 5511 10382
84 698716 4909 5473 10382
85 693807 4947 5435 10382
86 688860 4986 5396 10382
87 683874 5025 5357 10382
 88 678849 5064 5318 10382
89 673785 5104 5278 10382
90 668681 5144 5238 10382
91 663537 5184 5198 10382
92 658353 5225 5157 10382
93 653128 5266 5116 10382
94 647862 5307 5075 10382
95 642555 5349 5033 10382
96 637206 5391 4991 10382
97 631815 5433 4949 10382
98 626382 5475 4907 10382
99 620907 5518 4864 10382
100 615389 5561 4821 10382
101 609828 5605 4777 10382
102 604223 5649 4733 10382
103 598574 5693 4689 10382
104 592881 5738 4644 10382
105 587143 5783 4599 10382
106 581360 5828 4554 10382
107 575532 5874 4508 10382
108 569658 5920 4462 10382
109 563738 5966 4416 10382
110 557772 6013 4369 10382
111 551759 6060 4322 10382
112 545699 6107 4275 10382
113 539592 6155 4227 10382
114 533437 6203 4179 10382
115 527234 6252 4130 10382
116 520982 6301 4081 10382
117 514681 6350 4032 10382
118 508331 6400 3982 10382
119 501931 6450 3932 10382
120 495481 6501 3881 10382
121 488980 6552 3830 10382
122 482428 6603 3779 10382
123 475825 6655 3727 10382
124 469170 6707 3675 10382
125 462463 6759 3623 10382
126 455704 6812 3570 10382
127 448892 6866 3516 10382
128 442026 6919 3463 10382
129 435107 6974 3408 10382
130 428133 7028 3354 10382
131 421105 7083 3299 10382
132 414022 7139 3243 10382
133 406883 7195 3187 10382
134 399688 7251 3131 10382
135 392437 7308 3074 10382
136 385129 7365 3017 10382
137 377764 7423 2959 10382
138 370341 7481 2901 10382
139 362860 7540 2842 10382
140 355320 7599 2783 10382
141 347721 7658 2724 10382
142 340063 7718 2664 10382
143 332345 7779 2603 10382
144 324566 7840 2542 10382
145 316726 7901 2481 10382
146 308825 7963 2419 10382
147 300862 8025 2357 10382
148 292837 8088 2294 10382
149 284749 8151 2231 10382
150 276598 8215 2167 10382
151 268383 8280 2102 10382
152 260103 8345 2037 10382
153 251758 8410 1972 10382
154 243348 8476 1906 10382
155 234872 8542 1840 10382
156 226330 8609 1773 10382
157 217721 8677 1705 10382
158 209044 8744 1638 10382
159 200300 8813 1569 10382
160 191487 8882 1500 10382
161 182605 8952 1430 10382
162 173653 9022 1360 10382
163 164631 9092 1290 10382
164 155539 9164 1218 10382
165 146375 9235 1147 10382
166 137140 9308 1074 10382
167 127832 9381 1001 10382
168 118451 9454 928 10382
169 108997 9528 854 10382
170 99469 9603 779 10382
171 89866 9678 704 10382
172 80188 9754 628 10382
173 70434 9830 552 10382
174 60604 9907 475 10382
175 50697 9985 397 10382
176 40712 10063 319 10382
177 30649 10142 240 10382
178 20507 10221 161 10382
179 10286 10286 96 10382
 Illustration for computation of APR for Retail and MSME loans
Sr. No. Parameter Details
1 Sanctioned Loan amount (in Rupees) 1000000/-
2 Loan Term (in months) 180
2.1 No. of instalments for payment of principal, in case of non
equated periodic loan
2.2 Type of EPI MONTHLY
2.3 EPI Amount of each EPI (in Rupees) 10382
2.4 Nos. of EPIs 180
2.5 No. of instalments for payment of capitalised interest, if any
2.6 Commencement of repayments, post sanction* The date of commencement of
EMI shall be the FIRST day of
the month following the month
in which the final disbursement
of the loan will have been
completed the Due Date of
payment of the first EMI in such
case will be the 5th day of the
month following such month
and the Due Dates for
subsequent EMIs shall be on or
before 5th day of every
succeeding month thereafter
3 Interest rate type Floating
4 Rate of Interest % 9.40
5 Total Interest Amount to be charged during the entire tenor of 868760
the loan as per the rate prevailing on sanction date (in
Rupees)
6 Fee/ Charges payable (in Rupees) 5100
6.1 Payable to the RE 5100
6.2 Payable to third-party routed through RE
7 Net disbursed amount (1-6) (in Rupees) 994900
8 Total amount to be paid by the borrower (sum of 1 and 5) (in 1868760
Rupees)
9 Annual Percentage rate- Effective annualized interest rate (in 9.49%
percentage)
10 Schedule of disbursement as per terms and conditions As per disbursement request
from borrower and stage of
construction of the property.
11 Due date of payment of instalment and interest The Due Date of payment of the
first EMI in such case will be the
5th day of the month following
such month and the Due Dates
for subsequent EMIs shall be on
or before 5th day of every
succeeding month
thereafterThe Due Date of
payment of the first EMI in such
case will be the 5th day of the
month following such month
and the Due Dates for
subsequent EMIs shall be on or
before 5th day of every
succeeding month thereafter
*subject to sanction acceptance at the time of first disbursement