Annex A

Key Fact Statement

Part 1 (Interest Rate and fees/charges)

HDFC BANK LTD

DATE - 3/10/2024
Applicant Name - NIKHIL KUMAR B

1 Loan proposal /account Number AD2772425203 Type of Loan Insta Jumbo Loan
Sanctioned Loan amount (In
2 Rs 50,000
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) 12 Months

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

12/10/2024
Monthly 12 Rs 4,512.92 EMI amount is payable
as per due date
specified in monthly
Statement
Interest rate p.a(%) and type
6 15%, Fixed
(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 3/10/2024 at 11:32

 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

(iv) Any Other (Please

- - Not Applicable Not Applicable
specify)

Annual Percentage Rate (APR)(%) 18.88 %

9

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

(i) Penal Charges, if any, in case of delayed payment Late fees: Rs 500

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

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

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

Foreclosure charges, if applicable

(iv) Charges for switching of loans from floating to fixed

Not Applicable
rate and vice versa

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

11 Total Interest charged during the entire tenure of the Rs 4,155

loan (in rupees)

12 Total amount to be paid by the borrower (Sum of

Rs 55,154
(2),8(i),11) (in rupees)

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

Application is submitted on-line by the customer on 3/10/2024 at 11:32

 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 Not applicable
2
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
Phone number and email id of the nodal Nagar, Vikroli West, Mumbai-400083
3 grievance redressal officer Call: 18002664060
Monday to Saturday
9.30am to 5.30pm
This facility is not available on 2nd and 4th Saturdays, all
Sundays and Bank Holidays

Whether the loan is, or in future maybe, Not applicable

4 subject to transfer to other Res or
securitisation (Yes/No)
In case of lending under collaborative lending arrangements (e.g. co-lending/outsourcing), following additional
5
details may be furnished
Name of the originating RE, along Name of the partner RE along with its
Blended rate of interest
with 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/repositories/723f
b80a-2dde-42a3-9793-
(ii) Details of LSP acting as recovery agent and
7ae1be57c87f/?path=/Common%20Overlays/Feedback/PDF
authorized to approach the borrower
S/Banking%20Ombudsman%20Scheme/Active-Collection-
Vendor-List.pdf

Application is submitted on-line by the customer on 3/10/2024 at 11:32

 Annex B

APR computation sheet

Number Parameter Details

1 Sanctioned Loan amount (in Rupees) Rs 50,000
2 Loan Term (in years/months/days) 12 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 4,512.92
Number of EPIs 12
Number of instalments for payment of capitalised interest, if
c) Not applicable
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(%) 15 %
Total interest amount to be charged during the entire tenor
5 of the loan as per the rate prevailing on sanction date (in Rs 4,155
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 50,000
Total amount to be paid by the borrower (sum of 1 and 5
8 Rs 55,154
and 6A) (in Rupees)
Annual Percentage Rate- Effective annualised interest rate
9 18.88 %
(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 3/10/2024 at 11:32

 Annex C

Repayment Schedule

INSTALMENT OUTSTANDING PRINCIPAL (IN PRINCIPAL (IN INTEREST (IN INSTALMENT (IN
NO. RUPEES) RUPEES) RUPEES) RUPEES)

1 50000 3887.92 625 4512.92

2 46112 3936.92 576 4512.92

3 42175 3985.92 527 4512.92

4 38189 4035.92 477 4512.92

5 34153 4085.92 427 4512.92

6 30067 4136.92 376 4512.92

7 25931 4188.92 324 4512.92

8 21742 4240.92 272 4512.92

9 17501 4293.92 219 4512.92

10 13207 4347.92 165 4512.92

11 8859 4401.92 111 4512.92

12 4457 4456.93 56 4513

*GST is applicable on processing fees and charges.

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