Dear Applicant,

We are pleased to welcome you to the Tata Capital Family!

Pursuant to your Loan Application, kindly find enclosed the below documents pertaining to your
Loan/ Facility:

a) Personal Loan Agreement

b) Key Fact Statement
c) Computation of APR
d) Repayment Schedule

Thank you,
Yours truly,
For Tata Capital Limited

For Tata Capital Limited

Signed and delivered by the within named Lender Signature Not Verified
Signed by : DS TATA CAPITAL LIMITED 1
Tata Capital Limited Reason : Loan Purpose
Location : Mumbai
by the hands of its Authorized Signatory/ Date : 2024-11-17 12:14:50 IST

Constituted
Attorney Mr Deepak Aggarwal
Authorised Signatory/ies

IP Address:106.205.157.72:16044 Date & Time: 2024-11-17 12:14:46.0

 Terms and Conditions – Personal Loan Facility
(A) The Borrower has represented to the Lender that the Borrower is in need of initial finance facility from the Lender
and requested the Lender to provide such initial finance facility. The Borrower has further requested the Lender
to provide for an additional top-up facility also.

(B) The Lender has agreed to grant the said initial finance facility for an amount specified in the Loan details section
(“Initial Facility”) on the terms and conditions contained herein and the Master Terms and Conditions registered
as Document No. BBE-5/15927/2023 on October 30th, 2023 with the Sub-Registrar at Mumbai City - 5 (hereinafter
severally referred to as “Master T&Cs”). Based on the request of the Borrower, the Lender has agreed, that, upon
the completion of 12 months from the date of first disbursement under the Initial Facility (“Period”) or such other
period as may be agreed, subject to the Borrower meeting the credit and other criteria of the Lender, the Borrower
shall be entitled to an additional facility not exceeding the amount as specified in the Loan details section
(“Additional Facility”), without further act or deed and the same may be disbursed to the Borrower at any time
after the said Period at the discretion of the Lender on the terms and conditions contained herein and the Master
T&Cs.

(C) The Lender shall, at its sole discretion, without assigning any reason, be entitled to cancel or reduce the Additional
Facility. The term “Facility” shall include the Initial Facility and also the Additional Facility and unless repugnant to
the context, references to the term ‘Facility’ in the Master T&Cs shall be read and construed accordingly.

(D) The Lender has agreed to extend the Facility to the Borrower, on the faith of the undertakings, representation and
warranties made by the Borrower (as more particularly stated in the Facility Documents).

1. Definitions and Interpretation:

(a) The capitalised terms wherever used in these Terms and Conditions, unless the context otherwise requires, have the
meanings ascribed to them in the Master T&Cs.
(b) The rules of interpretation as set out in the Master T&Cs shall apply mutatis mutandis to these Terms and Conditions.

2. Facility
(a) The Borrower agrees to borrow, and the Lender agrees to grant to the Borrower, the Facility, being the amount
specified in Loan details section and on such terms and conditions contained herein and in the Master T&Cs for the
Purpose as mentioned in the Facility Documents.
(b) The Borrower shall not be entitled to cancel or refuse to accept Disbursement of the Facility upon acceptance of these
Terms and Conditions except with prior written approval of the Lender and upon payment of such cancellation charges
as set out in the Loan details section. Further, such cancellation shall take effect only when the Borrower has paid to
the Lender the Outstanding in full to the Lender’s satisfaction.

3. Repayment and Interest

(a) The Instalments and all other Outstanding from time to time with respect to the Initial Facility shall be paid / repaid
by the Borrower on or before the respective Due Dates in accordance with the Repayment Schedule as set out in the
Loan details section. The details of tenure, repayment etc. in respect of the Additional Facility shall be provided to the
Borrower at the time of availing the Additional Facility and shall be payable by the Borrower on or before their
respective Due Dates.
(b) Without prejudice to the rights of the Lender under the Facility Documents, the Interest shall be payable currently at
the rate set out in the Loan details section and the Interest shall be computed, in case of Fixedline Facility, on the
future principal balance of the Facility on the basis of a 360 days’ year and 30 days’ month and actual number of days
elapsed. In case of Dropline or revolving Facility, Interest shall be computed on the future principal balance of the
Facility (to the extent of the amount of the Facility drawndown by the Borrower) on the basis of 365 days’ year and
actual number of days elapsed.

4. Penal Charges
In case of default by the Borrower in the repayments of the Facility on the relevant Due Date and for other instances
as set out in Loans Details section hereto, the Lender shall have a right at its option to charge Penal Charges as set
out in the Loan details section, for the period during which such default continues.

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5. Prepayment
The Borrower may be permitted to make part or full prepayment of the Outstanding on the terms and conditions
contained in the Master T&Cs and by making payment of applicable Prepayment / Foreclosure charges as set out in
the Loan details section and as may be revised by the Lender from time to time at its sole discretion.

6. Costs and Expenses

The Borrower shall be liable to pay Dishonour Charges and such other charges, costs, expenses related to and arising
out of Facility as set out in the Loan details section. The Lender in its sole and absolute discretion reserves the right
to periodically review, revise, re-negotiate, waive any such charges or levy any new charges where the same arises on
account of any change in law or regulation. Any revision in such charges or levy of new charges shall be updated by
the Lender on its website (www.tatacapital.com) or otherwise intimated to the Borrower. The Borrower shall be liable
to pay such charges without any demur or delay and shall not be entitled to raise any objections. The Borrower shall
be liable to pay the Processing Fee set out in the Loan details section in respect of the Initial Facility as also the
Additional Facility.

7. Disclosure
The Borrower hereby agree and consent for disclosure and sharing of the information and data and for being
contacted vide various communication modes notwithstanding their names and / or numbers appearing in the Do Not
Call or Do Not Disturb registry, as per the terms and conditions contained in the Master T&Cs.

8. Other Conditions
(a) It is hereby clarified that all references to the term “Penal Interest” shall be substituted with “Penal Charges” in the
Master T&Cs.
(b) It is hereby clarified that all references to the terms “Retail Prime Lending Rate”, “RPLR”, “Long Term Lending Rate”,
“LTLR”, “Short Term Lending Rate” and STLR” shall be substituted respectively with "TCL Retail Prime Lending Rate”,
“TCL RPLR”, “TCL Long Term Prime Lending Rate”, “TCL LTPLR”, “TCL Short Term Prime Lending Rate” and “TCL
STPLR” respectively, in the T&Cs.
(c) The Borrower shall abide by all terms and conditions as specified in the Master T&Cs including without limitation
general and special covenants mentioned therein, which shall form an integral part of these Terms and Conditions
as if incorporated herein. In case of any inconsistency or repugnancy between the terms of these Terms and
Conditions and the Master T&Cs, the terms of these Terms and Conditions shall prevail.
(d) Nothing contained herein shall limit the rights of the Lender to enforce these Terms and Conditions independently
and in exclusivity to the Facility Documents.
(e) The Borrower hereby state that the Borrower has read and understood the Master T&Cs, a copy of which is available
on the website (i.e. www.tatacapital.com), and hereby agree to be bound by the terms and conditions as contained
in the Master T&Cs read with these Terms and Conditions.
(f) The Borrower shall adhere to the timelines set out in the Loan details section.
(g) The Borrower agrees that the Additional Facility shall be governed by this Terms and Conditions read with the Master
T&Cs although the Additional Facility may be allotted a different contract number in the records of the Lender.
(h) The Borrower hereby understands that the Lender may, if required, seek information or documents in addition to
what is mentioned in its KYC-PMLA Policy and the Borrower hereby consents to the same and agree to provide such
information or documents.
(i) The Borrower declares that all the details furnished are true, correct and up to-date in all respects and that the
Borrower has not withheld any information whatsoever. The Borrower undertakes to inform the Lender of any
changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or
misrepresenting, the Borrower is aware that the Borrower may be held liable for it.
(j) More particularly, the Obligors hereby consent to the Lender updating/furnishing the Obligors’ KYC data on the
Centralised KYC Registry (CKYCR) or such other database or repository as may be prescribed from time to time as
also access, download and procure data therefrom and rely upon the same for the purpose of KYC checks and it shall
be the Obligors’ responsibility to ensure that the data is correct and updated and to immediately intimate in writing
in case of any changes to the data. The Lender may also verify the data in such manner as it deems fit and seek
additional information or perform enhanced due diligence. The Obligors consent to receive information/intimation
from the Lender/CKYCR through SMS/Email on the registered number/email address notwithstanding the names
and / or numbers of the Obligors appearing in the Do Not Call or Do Not Disturb registry.
(k) The Borrower hereby declare that the mobile number as submitted by the Borrower is the same as the one available
and registered with the Unique Identification Authority of India (“UIDAI”). The Borrower undertake to inform the
Lender of any changes therein, immediately. In case any of the above information is found to be false or untrue or
misleading or misrepresenting, the Borrower is aware that the Borrower may be held liable for it.

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(l) In case of Life Insurance coverage, if the Borrower comes under medical category, then the Borrower needs to
complete the medical formalities as soon as possible to enable the Lender to take decision on acceptance of risk and
the cover to commence. The policy cover does not commence unless the formalities are completed, and the risk is
accepted by the insurance partner of the Lender based on the medical results. In case of rejection the premium
amount deducted will be transferred to Facility account.
(m)Gross cases: Provisions with respect to Tax Deducted at Source (“TDS”):
i. The Borrower hereby undertakes to provide to the Lender the TDS certificate in Form No. 16A downloaded
from TIN Website on a quarterly basis within 2 months from the end of the relevant quarter and ensure
that the TDS amount is reflected in the Form 26AS statement of the Lender with ‘F’ status. If the foregoing
is complied with, the Lender will refund to the Borrower an amount equivalent to the TDS amount paid by
the Borrower, within 7 working days of upon receipt of the TDS Certificate.
ii. However, TDS refund claim will not be entertained by the Lender after 25th of July of the succeeding
Financial Year.
iii. In the event of any subsequent change in the ‘F’ status reflected in the Form 26AS statement of the Lender,
the Lender shall be entitled to forthwith debit the TDS amount to the Borrower’s loan account and the same
shall be considered as an outstanding and recoverable along with Penal Charges and all other applicable
costs, charges and expenses.
(n) Net off TDS cases: Provisions with respect to Tax Deducted at Source (“TDS”)
i. Where the Borrower pays the net interest amount after deducting the TDS to the Lender, the Borrower
hereby undertakes to deposit the TDS with government treasury within the time specified by law and to
provide to the Lender the TDS certificate in Form No. 16A downloaded from TIN Website for each quarter
within 2 months from the end of the relevant quarter. Within such time, the Borrower shall also ensure that
the TDS amount is reflected in the Form 26AS statement of the Lender with ‘F’ status. In the event the
Borrower fails to comply with the foregoing, the Lender reserves the right to debit the TDS amount to the
Borrower’s loan account with effect from the interest payment date and the same shall be considered as
an outstanding and recoverable along with Penal Charges and all other applicable costs, charges and
expenses.
ii. In such an event, the Borrower may request for credit of the TDS amount by furnishing of the TDS certificate
not later than till 25th July of the succeeding financial year. Provided that, no refund shall be granted of the
Penal Charges and all other applicable costs, charges and expenses debited to the Borrower’s account.
iii. In the event of any subsequent change in the ‘F’ status reflected in the Form 26AS statement of the Lender,
the Lender shall be entitled to forthwith debit the TDS amount to the Borrower’s loan account and the same
shall be considered as an outstanding and recoverable along with Penal Charges and all other applicable
costs, charges and expenses.

(o) In the event any amount is not paid when due, the account will be flagged as overdue as part of day-end process as
Special Mention Account (‘SMA’) or Non- Performing Asset (‘NPA’) (as the case may be) in accordance with the
extant RBI provisions. Examples of classification of an account as SMA/ NPA categories are provided below. The
Obligors confirm that they have read, understood and accepted the same.

Examples of SMA/NPA Classification

SMA Sub- Categories Basis for classification- Instalment or any other amount wholly or
partly overdue
SMA-0 1-30 days

SMA-1 31-60 days

SMA-2 61-90 days
NPA More than 90 days

Examples:
(a) If due date of a loan account of the borrower is 9th March, 2021 and full dues are not received on this
date, the date of overdue shall be end of the day on 9th March, 2021 and the loan account shall be
classified as SMA–0.
(b) If the loan account continues to remain overdue on 8th April, 2021 i.e. upon completion of 30 days of
being continuously overdue, then this account shall be classified as SMA-1 on 8thApril, 2021.
(c) If the loan account continues to remain overdue upon running day-end process on 8th May, 2021 i.e.
upon completion of 60 days of being continuously overdue, it shall be classified as SMA-2 on 8th May,
2021.

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 (d) If the loan account continues to remain overdue upon running day-end process on 7th June, 2021 i.e.
upon completion of 90 days of being continuously overdue, it shall be classified as NPA on 7th June,
2021 along with all other loan accounts, if any, of the borrower/s with the Lender.

9. Arbitration

If any dispute, difference or claim arises between any of the Obligors and the Lender in connection with the Facility
or as to the interpretation, validity, implementation or effect of the Facility Documents or as to the rights and
liabilities of the parties under the Facility Documents or alleged breach of the Facility Documents or anything done
or omitted to be done pursuant to the Facility Documents, the same shall be settled by arbitration by a sole
arbitrator to be appointed by any of the following institutions:

(a) The Council for National and International Commercial Arbitration having its office at Unit No.208, 2nd Floor,
Beta Wing, Raheja Towers, Nos.113-134, Anna Salai, Chennai – 600002.
(b) Centre for Online Resolution of Disputes having its office at F-14, 3rd Cross, Manyata Residency, Manyata Tech
Park, Bengaluru – 560045.
(c) The Centre for Alternative Dispute Resolution Excellence having its office at 107C, Mulberry Woods, Janatha
Colony, Carmeleram Station Road, Doddakanneli, Bengaluru - 560035.
(d) ADR E-Sarvatra Private Limited having its office at 63, Palace Road, Vasanth Nagar, Bengaluru - 560052.
(e) Madras Alternate Dispute Resolution Centre (MADRC), having its office at C-40, 2nd Floor, 2nd Avenue, Anna
Nagar West, Chennai - 600040.
(f) Lex Carta Private Limited (Just Act), having its office at T4, 7th Street, Dr VSI Estate Phase 2, Thiruvanmiyur,
Chennai, Tamil Nadu - 600041.
(g) The Madras Chamber of Commerce & Industry (MCCI), having its office at “Karumuttu Center”,1st Floor, 634,
Anna Salai, Chennai - 600035.
(h) Any arbitral institution designated under the provisions of the Arbitration or Conciliation Act, 1996 (“the Act”)
or any panel of arbitrators maintained under the provisions of that Act;
hereinafter referred to as (“Institution”) in accordance with the rules of the Institution as prevailing and as
amended from time to time.

The arbitration proceedings shall be based on documents only which shall be conducted through exchange of e-
mail and/or any other mode of electronic communication as permitted by the rules of the Institution or through
an online dispute resolution by the web portal offered by the Institution. The parties hereby agree that the arbitral
proceeding shall be conducted in electronic mode and all pleadings and documents will be exchanged
electronically. There shall be no in-person and/or oral hearings except in certain exceptional circumstances as the
sole arbitrator may deem fit upon the request of either of the parties. In such instances, the hearings shall be
conducted virtually at the sole discretion of the arbitrator. The seat of arbitration for all purposes shall be deemed
to be such place as mentioned in the Loan details section. The language of arbitral proceedings shall be English.

In the event the arbitrator to whom the matter is originally referred, resigns or dies or is unable to act for any
reason, the Institution shall appoint another person in his/her place to act as arbitrator who shall proceed with the
reference from the stage at which it was left by his/her predecessor.

The arbitrator so appointed shall have the power to pass an award and also to pass interim orders/directions as
may be appropriate to protect the interest of the parties pending resolution of the dispute. A certified copy of the
award passed by the arbitrator, a digitally signed copy of the same or a scan copy of the same shall be sent to the
parties through e-mail or any other electronic mode including the web portal as the Institution deems fit which
shall be considered as a signed copy.

All notices, processes and communications between the parties with respect to the arbitration proceedings shall
be through e-mail or any other mode of communication permitted by the Institution notwithstanding the notice
clause contained in these Terms and Conditions which shall continue to apply to all other communications between
the parties.

It shall be the responsibility of the Lender and Obligor(s) to maintain sufficient space in the e-mail account and/or
in any other mode of electronic account(s) and also to have supporting applications/software in their
computer/mobile/any other electronic device to access the electronic documents sent to them. It shall also be the

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 responsibility of the Lender and Obligor(s) to save the emails in the address book. The delivery of emails to spam,
promotion, etc., shall also be a deemed delivery.

The courts at such place as mentioned in the Loan details section shall have exclusive jurisdiction in respect of
matters arising hereunder including any petition for appointment of an arbitrator under Section 11 of the
Arbitration and Conciliation Act, 1996 / application for setting aside the award/appeal and the Lender/ Obligor(s)
shall not object to such jurisdiction. The arbitration shall be conducted under the provisions of the Arbitration and
Conciliation Act, 1996 together with its amendments, any statutory modifications or re-enactment thereof for the
time being in force. The award of the arbitrator shall be final and binding on all parties concerned. The cost of
arbitration shall be borne by the Borrower.

10. Jurisdiction

Subject to the clause 9 above, the Parties hereto agree that all disputes arising out of and/or in relation to these Terms
and Conditions, shall be subject to exclusive jurisdiction of the courts/tribunals as mentioned in the Loan details
section. The Lender may, however, in its absolute discretion commence any legal action or proceedings arising out of
these Terms and Conditions, in any other court, tribunal or other appropriate forum and the Obligors hereby consent
to that jurisdiction.

11. Miscellaneous Terms

(a) This Terms and Conditions is the Specific Agreement as referred to in the Master T&Cs.
(b) The Borrower hereby agree that this is a legally binding document between the Borrower and the Lender.

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General Details

1 Date of KFS (T) 17/11/2024

2 Name of Regulated Tata Capital Limited (TCL)
Entity (RE)/ Lender
3 KFS Validity 3 Working Days
4 Details of the a) Name of
SACHIN KUMAR
Borrower/s and Co- Borrower
Borrower/s b) Constitution Individual
c) Address
873 MAYA NAGAR Delhi Expy L block Mahipalpur Vil 8

73 MAYA NAGAR Gurgaon MAYA NAGAR road Gurgaon Road South West Delhi Delhi
a) Name of Co-
NA
Borrower
b) Constitution NA
c) Address NA

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ Type of Loan

account No. / Unique 386PZ8675642_1711_1213 Personal Loan
Proposal Number
2 Sanctioned Loan
Rs. 326795
amount (in Rupees)
3 Disbursal Schedule
(i) Disbursement in
stages or 100%
upfront. 100% Upfront
(ii) If it is stage wise,
mention the clause of
loan agreement having
relevant details
4 Loan Term
60 months
(year/months/days)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of Repayment, post sanction

Monthly 60 Rs. 8840.9 03/01/2025

6 Interest rate (%) Interest Type
21.00 % (fixed or floating Fixed
or hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark rate Spread (%) (S) Final rate (%) R Reset Impact of change in the reference benchmark (for
Benchmark (%) (B) = (B) + (S) periodicity 25 bps change in ‘R’, change in:)
(Months)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL (A) Payable to a third party through TCL (B)
One-time/ Amount (in ₹) One-time/ Recurring Amount (in ₹) or Percentage
Recurring or Percentage (%) as applicable
(%) as
applicable
(i) Processing fees
One-time Rs.6400 (1.96 %) NA NA
(ii) Insurance charges
a) Life Insurance
Premium NA NA Rs. 1097

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 b) General Insurance
NA NA
Premium
c) Health Insurance
NA NA
Premium
(iii) Valuation fees
NA NA NA NA
(iv) Any other
a) Stamp Duty
One-time Rs. 400 NA NA
b) Broken Period Interest
One-time Rs. 3431 NA NA
c) One Assist Plan
NA NA NA NA
Amount
d) IHO Plan Amount
NA NA One-time Rs. 4661
e) CPP Plan Amount NA NA NA NA
f) TATA AIG 360
NA NA NA NA
Amount
g)
h)
9 Annual Percentage
Rate (APR) (%) 23.79 %
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, For default in payment of interest and/ or principal amounts – 3% per month on defaulted amount
in case of delayed (Annualized Penal Charge of 36%)
payment
(ii) Other penal charges,
if any
a) For Dishonour of
Cheque/ Payment Rs. 600/- per instrument per instance
Instrument/ Mandate
b) For Mandate Rs. 450/-
Rejection (Charges will be levied if new mandate form is not registered within 30 days from the date of rejection
of previous mandate form by Borrower’s bank for any reasons whatsoever.)
(iii) Foreclosure charges, if Foreclosure charges on Term Loan Facility:
applicable Lock-in Period: 12 months from the date of first disbursement
a) 4.5% on the principal outstanding at the time of foreclosure.
b) In case the Borrower forecloses the Facility within 12 months after doing part-prepayment, foreclosure
charges of 4.5% will be levied on the principal outstanding plus part prepayment amount.
c) Any prepayment/foreclosure made during the Lock-in period will attract additional 2% over and above
the prepayment/ foreclosure charges mentioned in (a) above on the principal outstanding at the time of
foreclosure.
Foreclosure charges on Top-up:
a) 2.50% on the principal outstanding at the time of foreclosure.
b) Foreclosure charges shall be levied only if new rate is lower than existing rate.
c) Any prepayment/ foreclosure made during the Lock-in Period will attract prepayment/ foreclosure
charges of 4.5% on the principal outstanding.
Foreclosure Charges in Dropline Facility:
a) 4.5% on the Dropped down limit amount.
b) Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2% over and above
the prepayment/ foreclosure charges mentioned in (a) above on the Dropped down limit
Part Prepayment:
a) Part Prepayment is allowed once per year and the minimum gap between two part-prepayments to be
six months.
b) A maximum of 50% of the principal outstanding is allowed by way of part prepayment during a single
year.
c) A part prepayment charge of 4.5% shall be applicable on amount over and above 25% of principal
outstanding and upto maximum 50% of principal outstanding.
d) No part payment is allowed during the Lock-in period
e) Minimum Part prepayment amount to be greater than or equal to 2 months EMI
(iv) Charges for switching
of loans from floating
NA
to fixed rate and vice
versa
(v) Any other charges
a) Payment Instruments Rs. 550/- per instance
Swapping Charges

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 b) Cancellation Charges 2% of the Loan Amount/ Facility amount OR
Rs. 5750/-
Whichever is higher
c) Duplicate Repayment Rs. 550/-
Schedule
d) Duplicate NOC Rs. 550/-
e) Statement of Account Customer Portal – Nil
(SOA) Branch walk-in – Rs. 250/-
f) Foreclosure Report Customer Portal – Nil
Branch walk-in – Rs 199/-
g) Annual Maintenance 0.25% on Dropline Amount or Rs.1000, (whichever is higher) per year will be deducted from the limit and
Charges for PL shall be payable at the end of the 13th month.
Overdraft (Dropline
facility)
h)
i)

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery Pleaserefer

Please refertotothe
clause 11'Miscellaneous
Clause of the SpecificTerms'
Agreement
in the Specific
agents Agreement/Terms and Conditions
2 Clause of Loan agreement which details grievance redressal Pleaserefer
Please refertotothe
clause 11'Miscellaneous
Clause of the Specific Agreement
Terms' in the Specific
mechanism Agreement/Terms and Conditions
3 Phone number and email id of the nodal grievance redressal Name Ms. Francyna Dias
officer Phone No 18602676060
Email ID [email protected]
4 Whether the loan is, or in future maybe, subject to transfer to
other REs or securitisation (Yes/ No) Yes
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 proportion of Blended rate of interest
its funding proportion funding
NA NA NA
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 borrower shall not be 3 days from the date of loan disbursal
charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized
to approach the borrower NA

Notes:
 The amounts are net of taxes such as GST, etc.
 GST, other Government taxes and levies as applicable, will be payable on all fees and charges in this document.
 Broken Period Interest amount and 1st EMI date depend on the Disbursement Date and the final figures would be mentioned in
the Welcome Letter and Repayment Schedule.
 Net Disbursed Amount may change if there is a difference in agreement execution date and actual loan disbursal date on account
of change in Broken Period Interest or any changes opted post execution of the Agreement.
 For facilities which are in the nature of revolving line of credits, the repayment schedule and the APR are calculated assuming
customer has utilised 100% amount on the day of disbursal.
 For the APR, please refer the calculation of APR given below.
 Benefits like Overdraft:
o Disbursement would be post deduction of processing fee, insurance charges and any other applicable charges.
o In case of Overdraft facility customer needs to pay interest on the limit utilized for the first 12 months (or as may be
applicable). Drop Down will start from the 13 th month (or as may be applicable) onwards. The principal due amount
as applicable along with the interest on the limit utilized would be repaid by the Borrower/s on the due date as
applicable of every month.
 Any revision in charges shall be updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the
Borrowers.

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 Annex B

Computation of APR

Sr. Parameter Details

No.

1 Sanctioned Loan amount (in Rupees) ( Sl no. 2 of the KFS – Part 1)

Rs. 326795

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template –
60 Months
Part 1)
a No. of instalments for payment of principal, in case of non-equated
NA
periodic loans
b Type of EPI Monthly
Amount of each EPI (In rupees) Rs. 8841
Number of EPI ( Sl no. 5 of the KFS – Part 1) 60
c Number of instalments for payment of capitalised interest, if any NA
d Commencement of repayments, post sanction (Sl No. 5 of the KFS –
03/01/2025
Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS –
Fixed
Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1)
21.0 %

5 Total Interest Amount to be charged during the entire tenor of the

Rs. 203659
loan as per the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) Rs. 18178
A Payable to TCL (Sl No.8A of the KFS Part 1) Rs. 10231
B Payable to third-party routed through TCL (Sl No.8B of the KFS – Part
Rs. 5758
1)
C Total GST on all the fees and charges Rs. 2189
7 Net Disbursement amount (1-6) (in Rupees) Rs. 308617
8 Total amount to be paid by the borrower (sum of 1 and 5) (in
Rupees) Rs. 530454

9 Annual Percentage rate- Effective annualized interest rate (in

percentage) (Sl No.9 of the KFS Part 1) 23.79 %

10 Schedule of disbursement as per terms and conditions Refer Repayment Schedule

11 Due date of payment of instalment and interest
3rd of every month

IP Address:106.205.157.72:16044 Date & Time: 2024-11-17 12:14:46.0

 Personal Loan Term & Overdraft Agreement

Annex C
Repayment Schedule

Outstanding Principal(in Interest(in Installment(in

Installment No. Principal(in Rupees) Rupees) Rupees)
Rupees)
1 326,795 3,122 5,719 8,841
2 323,673 3,177 5,664 8,841
3 320,496 3,232 5,609 8,841
4 317,264 3,289 5,552 8,841
5 313,975 3,346 5,495 8,841
6 310,629 3,405 5,436 8,841
7 307,224 3,464 5,376 8,841
8 303,760 3,525 5,316 8,841
9 300,235 3,587 5,254 8,841
10 296,648 3,650 5,191 8,841
11 292,998 3,713 5,127 8,841
12 289,285 3,778 5,062 8,841
13 285,506 3,845 4,996 8,841
14 281,662 3,912 4,929 8,841
15 277,750 3,980 4,861 8,841
16 273,770 4,050 4,791 8,841
17 269,720 4,121 4,720 8,841
18 265,599 4,193 4,648 8,841
19 261,406 4,266 4,575 8,841
20 257,140 4,341 4,500 8,841
21 252,799 4,417 4,424 8,841
22 248,382 4,494 4,347 8,841
23 243,888 4,573 4,268 8,841
24 239,315 4,653 4,188 8,841
25 234,662 4,734 4,107 8,841
26 229,928 4,817 4,024 8,841
27 225,110 4,901 3,939 8,841
28 220,209 4,987 3,854 8,841
29 215,222 5,075 3,766 8,841
30 210,147 5,163 3,678 8,841
31 204,984 5,254 3,587 8,841
32 199,730 5,346 3,495 8,841
33 194,385 5,439 3,402 8,841
34 188,945 5,534 3,307 8,841
35 183,411 5,631 3,210 8,841
36 177,780 5,730 3,111 8,841
37 172,050 5,830 3,011 8,841
38 166,220 5,932 2,909 8,841
39 160,288 6,036 2,805 8,841
40 154,252 6,141 2,699 8,841
41 148,111 6,249 2,592 8,841
42 141,862 6,358 2,483 8,841
43 135,503 6,470 2,371 8,841
44 129,034 6,583 2,258 8,841
45 122,451 6,698 2,143 8,841
46 115,753 6,815 2,026 8,841
47 108,938 6,934 1,906 8,841
48 102,003 7,056 1,785 8,841
49 94,947 7,179 1,662 8,841

IP Address:106.205.157.72:16044 Date & Time: 2024-11-17 12:14:46.0

 Personal Loan Term & Overdraft Agreement
50 87,768 7,305 1,536 8,841
51 80,463 7,433 1,408 8,841
52 73,030 7,563 1,278 8,841
53 65,467 7,695 1,146 8,841
54 57,772 7,830 1,011 8,841
55 49,942 7,967 874 8,841
56 41,975 8,106 735 8,841
57 33,869 8,248 593 8,841
58 25,621 8,393 448 8,841
59 17,228 8,539 301 8,841
60 8,689 8,689 152 8,841
Total 326,795 203,659 530,454

IP Address:106.205.157.72:16044 Date & Time: 2024-11-17 12:14:46.0

Note:

The Repayment Schedule and its figures and calculation are as on 17/11/2024 and may

vary based on the applicable date of disbursement. I confirm that I have thoroughly read

and understood the Key Facts Statement

SACHIN KUMAR

Borrower Co-Borrower

IP Address:106.205.157.72:16044 Date & Time: 2024-11-17 12:14:46.0