8/5/2022

Congratulations,
your Professional Loan/Business Loan Application is
approved

Find loan details here

Loan details Deductions/Charges

Product type: Business Loan BAGIC COMPREHENSIVE CARE :15000

Loan type : Hybrid Flexi AMC CHARGES-1 :17948

Type of Interest : Fixed CPP SHIELD :6000

Annualised Rate of Interest (% per Annum) : 17.0 Stamp Duty :3200

Method of calculation of Interest : Reducing balance Docs Charges :2360

Approved Loan Amount : 1500000.0 Processing Fee :18160

Approved loan amount (Including insurance if

applicable ) : 1557108.0

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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Gross Tenure (Months) : 84

Flexi Hybrid loan tenure (Months)

Initial tenor : 24

Subsequent Tenor

: 60

EMI amount
For Flexi Term Loan

:0

For Flexi Hybrid Loan

Initial tenor : 22059

Subsequent Tenor

: 38698

Due Day : 2

Customer ID :

*Net disbursal amount(Approved loan amount including insurance - All deductions/charges) = 1494440.0

The first monthly installment payable by the Borrower(s) shall be due on the 2nd of the “Next” month OR “Next
to Next” month from the month on which the loan amount is disbursed by Lender. This will be determined basis
the actual date on which the loan amount is disbursed (please refer to the below illustration).

Illustration*:

a.If loan amount is disbursed to the Borrower(s) by the Lender before the 15th day of January 2020, the “First Due
Date” shall be the 2nd of February, 2020 (i.e “Next” month”),

b.If loan amount is disbursed to the Borrower(s) by the Lender after the 15th day of January 2020, the “First Due
Date” shall be the 2nd of March, 2020 (i.e “Next to Next” month”).

*"The first due date of EMI payment may vary basis the date of actual disbursement of Loan from Lender’s bank
account and exact amount will be communicated in welcome letter/SMS/bitly."*

Please note that unless otherwise specified by Bajaj Finance Ltd in writing, ALL fees/charges paid by you in
furtherance of disbursement of the Loan shall be non-refundable irrespective of cancellation.

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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Borrower Agrees that the timely repayment of loan as per the EMI due date is important and necessary to be
adhered by Borrower without exception. Borrower agrees that in case of non-receipt of EMI payment on the EMI
due date, the loan account shall be flagged as overdue in compliance with the RBI Circular RBI/2021-2022/125
DOR.STR.REC.68/21.04.048/2021-22 dated November 12, 2021, which is more particularly explained in below
illustration:

REGULATORY REQUIREMENT ILLUSTRATION

Special Mention Account Basis for classification EMI due date (Sept. 15, 2021) &
(SMA) / Non-Performing (Non-receipt of loan dues – Non-payment of its classification upon non-
Asset (NPA) Principal or interest payment or both, wholly payment
or partly due)

SMA-0 No EMI payment (principal+interest) made till Oct. 15, 2021

30 days from EMI due date

SMA-1 Non-receipt of loan dues (principal+interest) On October 16, 2021, it shall be

for more than 30 days and upto 60 days. classified as SMA-1 if complete
loan dues are not paid to BFL.

SMA-2 Non-receipt of loan dues (principal+interest) On Nov. 15, 2021, it shall be

for more than 60 days and upto 90 days. classified as SMA-2 if complete
loan dues are not paid to BFL.

NPA No payment (principal+interest) made as of On Dec. 15, 2021, it shall be

91st day. classified as NPA, complete
loan dues are not paid to BFL.

If the EMI/Monthly Instalment due date in respect of loan falls on a day which is not a Business Day, EM/Monthly
Instalment shall be presented on immediate next Business day for such EMI/Monthly Instalment payment. To
view your loan repayment/amortization schedule, please visit Customer Portal – Experia - https://customer-
login.bajajfinserv.in (https://customer-login.bajajfinserv.in)

A. LOAN VARIANT DETAILS

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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Term Loan
Term Loan is a monetary loan that can be repaid in regular payments over a set period of time. Here the
principal, interest rate and tenor is fixed.

Step-Down Structured Monthly Instalment Loan variant under Term Loan: If the Borrower(s) avails the
loan in the form of the "Step Down Structured Monthly Instalment Loan" variant, then the Borrower(s)
shall have the benefit of paying staggered or different amounts of Monthly Instalments in relation to the
loan which become payable during the loan tenure as mentioned in the schedule of the Loan
Agreement, wherein the amount of Monthly Instalments paid by the Borrower(s) will decrease gradually
during the Loan Tenure.

Flexi Term Loan

You have the flexibility to pre-pay your loan with your surplus funds and thereby, save interest and you
can re-draw the eligible amount at any time within the loan tenure.

Flexi Hybrid Loan

Flexi Hybrid Loan refers to the variant of Loan under which, the monthly instalments will be payable as
follows:

Initial Tenure:
Monthly Instalments of the initial term of the Flexi Hybrid Loan, commencing from the date of
disbursement of the Loan, shall comprise only of the interest component

Subsequent Tenor:
Monthly Instalment shall comprise of principal amount and the interest component payable on the Loan
(Subsequent tenure shall commence from the expiry of the Initial Tenure)

*Please note that this landing page is provided for ease of reference. For complete details pertaining to
your loan, please refer to the Loan Agreement document. In case of any inconsistency in the Loan
Landing Page and the Loan Agreement, the terms mentioned in the Loan Agreement shall prevail.

B. Loan Prepayment Facility

1. Loan Pre-closure Charges:

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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You are allowed to pre-close loan outstanding any time post clearance of first EMI.

Term Loan:
4%# on the outstanding loan amount payable by the Borrower(s) on the date of such full Pre-Payment.

Flexi Term Loan:

4%# of the Total Withdrawable Amount* as per the repayment schedule, on the date of such full Pre-
Payment.

Flexi Hybrid Loan:

4%# of the Total Withdrawable Amount* as per the repayment schedule, on the date of such full Pre-
Payment.

2.Part Prepayment Charges:

We also offer you convenience of part prepayment towards your loan outstanding. The amount of part
Pre-Payment shall be equal to a minimum sum of one EMI. 2% of the principal amount of Loan prepaid
on the date of such part Pre-Payment + Applicable taxes.

*No charges are applicable on part prepayment of Flexi Term loan and Flexi Hybrid Loan.
For Flexi Term Loan and Flexi Hybrid Loan complete loan amount will be disbursed to the customer’s
bank account at the time of loan booking. Customers can choose to part payment of any amount post
disbursal. #Plus taxes, as may be applicable from time to time.

C. "Annual Maintenance Fee" for products offered

Term Loan:
Not Applicable

Flexi Term Loan:

0.25%# of the Total Withdrawable Amount* (as per the repayment schedule) on the date of levy of such
charges.

Flexi Hybrid Loan:

(For Business Loans)
Initial Tenure: 1%# of the Total Withdrawable Amount*
Subsequent Tenure: 0.25%# of Total Withdrawable Amount*

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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#Plus taxes, as may be applicable from time to time.

(For Professional Loans)

Initial Tenure: 0.5%# of the Total Withdrawable Amount*
Subsequent Tenure: 0.25%# of Total Withdrawable Amount*
#Plus taxes, as may be applicable from time to time.

*Total Withdrawable Amount means the total Loan amount that can be withdrawn by the Borrower(s)
under the Flexi Term Loan and Flexi Hybrid variant, from time to time as per the repayment schedule.
(Please note that, for Business Loan, the Annual/Additional Maintenance Charge is deducted upfront
every year for the complete tenor of the loan)

EMI Network Card Annual fee

Rs. 117 (inclusive of applicable taxes) Annual fee will only be charged to the EMI Network Card holders
who have not availed any loan using the EMI Network Card in the preceding year. The duration of the
preceding year is calculated 12 months from last year’s validity month, which is printed on the face of
your EMI Network Card. For example, If the EMI Network Card is issued in the month of February 2019
(referred to as 'Member Since', on the EMI Network Card) the date for payment of the annual fee will be
March, 2020

Bounce Charges - Rs. 3000 (Inclusive of applicable taxes)

Penal Interest (Applicable in case of non-payment of Monthly Installment on/before the Due Date)- 2%
per Month on the amount of Monthly Installment outstanding as on that date.

Statement of Account/ Repayment Schedule/Foreclosure Letter/No Dues Certificate/Interest Certificate -

Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal –
Experia. You can get a physical copy of your statements/letters/certificates/List of Documents from any
of our branches at a charge of Rs. 50/- (inclusive of applicable taxes) per statement/letter/certificate

Mandate Rejection Service Charge - Rs 450/- (Rupees four hundred fifty only) Inclusive of applicable
taxes (Charges will be levied if new mandate form is not registered within 30 days from the date of
rejection of previous mandate form by Customer’s Bank for any reasons whatsoever)

Additional cess will be applicable on all charges in the State of Kerala and any other States as may be
applicable from time to time.

D. Broken Period Interest/Pre-EMI Interest

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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It is the interest charged from the date of debit of the loan amount from our bank account to the date of
EMI commencement. Depending on the type of loan (product variant) availed, it will either get deducted
from your loan amount or would be included in your first EMI.

E. Service Channels

You can reach us through multiple channels: Our dedicated customer service team will be your first point
of contact for any request or grievance.

We request you to avail this service so that you can avoid visiting our branch or trying to reach us
though other modes. For any queries, visit our website https://www.bajajfinserv.in/reach-us. Select the
Email Us tab and follow the directions to get your query resolved

You may also call BFL Customer Care at 8698010101 or visit our nearest branch. This is not a toll-free
number and normal call charges will be applicable.

Experia
Our self-service Customer Portal, gives you access to all your loan details.

Updates through Email and SMS through Insta Info. A bi-directional SMS channel, SMS 9227564444 for
any of your loan details like - LAN, Customer ID, Experia ID and more.

Few instances under which Total Withdrawable Amount for Flexi Term Loan/Flexi
Hybrid Loan can be modified/blocked

1. Bounce in BFL EMI 2. Drop in CIBIL Score 3. Breach of Terms and

Conditions Forming part of
E-Agreement or any other
loan documentation
Should you need any further assistance, please contact us through the below service channels.

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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Customer Download Quick help Other ways

Portal Mobile App SMS to reach us
Experia

If you are not able to see the E-Agreement .Please Click here
(http://localhost:7777/DocPod/Index/Ku2G1D8M2zvxN5~59xpuqVx_~0ALas5GN~i3rtnRyf8=)
By clicking on “I Accept”,
I acknowledge that I have read and understood the terms and conditions of the E-Agreement and agree to be
bound by the same.

I acknowledge and agree to the applicability of Annual Maintenance Charges for Flexi Term Loan, Flexi Hybrid
Loan (will be applicable on the Initial and Subsequent Loan Tenure) and other Fees and Charges.

BFL/SME Unsec/Dig/Agr/Eng/May 2021/V.3

Consent Details : Accepted

IP Address : 2409:4042:51b:6696:81b5:9aa6:a806:a5fd
Application Number : SME000004437573

Date & Time: 2022-08-05 22:53:21

Mobile Number: 8208962016

Email ID: [email protected]

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