KEY FACTS STATEMENT

This Key Fact Sheet (“KFS”) is applicable on the limit-based loan facility applied by the
Borrower through “BharatPe” app:

Aditya Birla Finance Limited

Aditya Birla Finance Ltd. (A Subsidiary of Aditya Birla
Lender Capital Ltd.), One World Centre, Tower 1-C, 18th Floor,
841 Jupiter Mill Compound, Senapati Bapat Marg,
Elphinstone Road, Mumbai - 400013

Service Provider (LSP) Resilient Innovations Private Limited

Digital Lending Web and/or mobile based platform “BharatPe” owned,

Application (DLA) developed, and operated by the LSP

Loan Amount Rs. 80000.0 (Rupees Eighty Thousands Only)

0.0% of the loan Amount i.e. Rs. 0.0/- (Rupees Only)

Processing Fees
(Inclusive of taxes) The Processing Fees is a one-time fee and shall be non-
refundable.

Interest Rate (applied on

1.8 % per month
a simple interest basis)

Annualized Percentage
Annualized Percentage Rate 41.52 % per annum
Rate

Total Interest charged

Rs. 13150.0/- (Rupees Thirteen Thousands One Hundred
during the Tenure of the
Fifty Only)
Loan

Total Amount to be paid

by the Borrower during
Rs 93150.0 /- (Rupees Ninety Three Thousands One
the Tenure (along with
Hundred Fifty Only)
interest & processing
fees)

Rs. 80000.0/- (Rupees Eighty Thousands Only)

Net Disbursed Amount *Interest will be applicable on the Loan Amount as
communicated above

Deduction of Instalment Amount from the daily BharatPe

POS & QR settlements
Repayment Mode *Borrower expressely authorizes LSP to make such
deduction of Instalment Amount and make payment to the
Lender

Instalment Amount Rs. 345.0 /- (Rupees Three Hundred Forty Five Only)
 Instalment Frequency Daily

270 equal daily instalments (Please refer to Repayment

Number of Instalments
Schedule attached)

Default Interest N/A

Pre-Payment/Foreclosure Foreclosure is allowed with no charges

3 days from the disbursal of the Loan

*Please note proportionate interest & other charges
Cooling Off Period including the processing fees (other than pre-
payment/foreclosure charges) will be levied during the
Cooling Off period.

Tenure 9 months

Resilient Innovations Private Limited

*Please note that Recovery Agent (and/or its authorized
Recovery Agent representatives/entities) has been authorized by the Lender
to contact for default in repayments. Kindly make payment
on or before Due Date

For Lender
Ms. Smita Nadkarni
grievance.finance@adityabirlacapital.com ; 080-45860196
; 10-6pm, Monday to Saturday (* only on odd Saturdays)

For LSP
Level 1- http://bharatpe.in/bpsupport
Grievance Redressal
Level 2- Customer Support Centre- +91-8882555444 (if
level 1 does not resolve in 10 days)
Level 3- Mr. Ankit Parnami- Nodal Officer (if Level 2
does not resolve in 10 days)
nodalofficer@bharatpe.com ; 8851681932
If compliant remains unresolved for 30 days, the Borrower
may escalate to RBI Complaints portal at
https://cms.rbi.org.in/

*For more detailed information, please refer to the Sanction Letter & Loan Agreement for the
loan facility. This Key Fact Statement needs to be read along with the Sanction Letter & Loan
Agreement.
 Repayment Schedule
Outstanding Principal Instalment (in
Instalment No. Principal (in Rupees) Interest (in Rupees)
(in Rupees) Rupees)
1 80000.0 252.71 92.29 345
2 79747.29 253.0 92.0 345
3 79494.29 253.29 91.71 345
4 79241.0 253.59 91.41 345
5 78987.41 253.88 91.12 345
6 78733.53 254.17 90.83 345
7 78479.36 254.46 90.54 345
8 78224.9 254.76 90.24 345
9 77970.14 255.05 89.95 345
10 77715.09 255.35 89.65 345
11 77459.74 255.64 89.36 345
12 77204.1 255.94 89.06 345
13 76948.16 256.23 88.77 345
14 76691.93 256.53 88.47 345
15 76435.4 256.82 88.18 345
16 76178.58 257.12 87.88 345
17 75921.46 257.42 87.58 345
18 75664.04 257.71 87.29 345
19 75406.33 258.01 86.99 345
20 75148.32 258.31 86.69 345
21 74890.01 258.61 86.39 345
22 74631.4 258.9 86.1 345
23 74372.5 259.2 85.8 345
24 74113.3 259.5 85.5 345
25 73853.8 259.8 85.2 345
26 73594.0 260.1 84.9 345
27 73333.9 260.4 84.6 345
28 73073.5 260.7 84.3 345
29 72812.8 261.0 84.0 345
30 72551.8 261.3 83.7 345
31 72290.5 261.6 83.4 345
32 72028.9 261.91 83.09 345
33 71766.99 262.21 82.79 345
34 71504.78 262.51 82.49 345
35 71242.27 262.81 82.19 345
36 70979.46 263.12 81.88 345
37 70716.34 263.42 81.58 345
38 70452.92 263.72 81.28 345
39 70189.2 264.03 80.97 345
40 69925.17 264.33 80.67 345
41 69660.84 264.64 80.36 345
42 69396.2 264.94 80.06 345
43 69131.26 265.25 79.75 345
44 68866.01 265.56 79.44 345
45 68600.45 265.86 79.14 345
46 68334.59 266.17 78.83 345
47 68068.42 266.48 78.52 345
48 67801.94 266.78 78.22 345
49 67535.16 267.09 77.91 345
50 67268.07 267.4 77.6 345
51 67000.67 267.71 77.29 345
52 66732.96 268.02 76.98 345
53 66464.94 268.33 76.67 345
54 66196.61 268.64 76.36 345
55 65927.97 268.95 76.05 345
56 65659.02 269.26 75.74 345
57 65389.76 269.57 75.43 345
58 65120.19 269.88 75.12 345
59 64850.31 270.19 74.81 345
60 64580.12 270.5 74.5 345
61 64309.62 270.81 74.19 345
62 64038.81 271.12 73.88 345
63 63767.69 271.44 73.56 345
64 63496.25 271.75 73.25 345
65 63224.5 272.06 72.94 345
66 62952.44 272.38 72.62 345
67 62680.06 272.69 72.31 345
68 62407.37 273.01 71.99 345
69 62134.36 273.32 71.68 345
70 61861.04 273.64 71.36 345
71 61587.4 273.95 71.05 345
72 61313.45 274.27 70.73 345
73 61039.18 274.59 70.41 345
74 60764.59 274.9 70.1 345
75 60489.69 275.22 69.78 345
76 60214.47 275.54 69.46 345
77 59938.93 275.85 69.15 345
78 59663.08 276.17 68.83 345
79 59386.91 276.49 68.51 345
80 59110.42 276.81 68.19 345
81 58833.61 277.13 67.87 345
82 58556.48 277.45 67.55 345
83 58279.03 277.77 67.23 345
84 58001.26 278.09 66.91 345
85 57723.17 278.41 66.59 345
86 57444.76 278.73 66.27 345
87 57166.03 279.05 65.95 345
88 56886.98 279.38 65.62 345
89 56607.6 279.7 65.3 345
90 56327.9 280.02 64.98 345
91 56047.88 280.34 64.66 345
92 55767.54 280.67 64.33 345
93 55486.87 280.99 64.01 345
94 55205.88 281.31 63.69 345
95 54924.57 281.64 63.36 345
96 54642.93 281.96 63.04 345
97 54360.97 282.29 62.71 345
98 54078.68 282.62 62.38 345
99 53796.06 282.94 62.06 345
100 53513.12 283.27 61.73 345
101 53229.85 283.59 61.41 345
102 52946.26 283.92 61.08 345
103 52662.34 284.25 60.75 345
104 52378.09 284.58 60.42 345
105 52093.51 284.91 60.09 345
106 51808.6 285.23 59.77 345
107 51523.37 285.56 59.44 345
108 51237.81 285.89 59.11 345
109 50951.92 286.22 58.78 345
110 50665.7 286.55 58.45 345
111 50379.15 286.88 58.12 345
112 50092.27 287.21 57.79 345
113 49805.06 287.55 57.45 345
114 49517.51 287.88 57.12 345
115 49229.63 288.21 56.79 345
116 48941.42 288.54 56.46 345
117 48652.88 288.88 56.12 345
118 48364.0 289.21 55.79 345
119 48074.79 289.54 55.46 345
120 47785.25 289.88 55.12 345
121 47495.37 290.21 54.79 345
122 47205.16 290.55 54.45 345
123 46914.61 290.88 54.12 345
124 46623.73 291.22 53.78 345
125 46332.51 291.55 53.45 345
126 46040.96 291.89 53.11 345
127 45749.07 292.23 52.77 345
128 45456.84 292.56 52.44 345
129 45164.28 292.9 52.1 345
130 44871.38 293.24 51.76 345
131 44578.14 293.58 51.42 345
132 44284.56 293.91 51.09 345
133 43990.65 294.25 50.75 345
134 43696.4 294.59 50.41 345
135 43401.81 294.93 50.07 345
136 43106.88 295.27 49.73 345
137 42811.61 295.61 49.39 345
138 42516.0 295.96 49.04 345
139 42220.04 296.3 48.7 345
140 41923.74 296.64 48.36 345
141 41627.1 296.98 48.02 345
142 41330.12 297.32 47.68 345
143 41032.8 297.67 47.33 345
144 40735.13 298.01 46.99 345
145 40437.12 298.35 46.65 345
146 40138.77 298.7 46.3 345
147 39840.07 299.04 45.96 345
148 39541.03 299.39 45.61 345
149 39241.64 299.73 45.27 345
150 38941.91 300.08 44.92 345
151 38641.83 300.42 44.58 345
152 38341.41 300.77 44.23 345
153 38040.64 301.12 43.88 345
154 37739.52 301.47 43.53 345
155 37438.05 301.81 43.19 345
156 37136.24 302.16 42.84 345
157 36834.08 302.51 42.49 345
158 36531.57 302.86 42.14 345
159 36228.71 303.21 41.79 345
160 35925.5 303.56 41.44 345
161 35621.94 303.91 41.09 345
162 35318.03 304.26 40.74 345
163 35013.77 304.61 40.39 345
164 34709.16 304.96 40.04 345
165 34404.2 305.31 39.69 345
166 34098.89 305.67 39.33 345
167 33793.22 306.02 38.98 345
168 33487.2 306.37 38.63 345
169 33180.83 306.72 38.28 345
170 32874.11 307.08 37.92 345
171 32567.03 307.43 37.57 345
172 32259.6 307.79 37.21 345
173 31951.81 308.14 36.86 345
174 31643.67 308.5 36.5 345
175 31335.17 308.85 36.15 345
176 31026.32 309.21 35.79 345
177 30717.11 309.57 35.43 345
178 30407.54 309.92 35.08 345
179 30097.62 310.28 34.72 345
180 29787.34 310.64 34.36 345
181 29476.7 311.0 34.0 345
182 29165.7 311.36 33.64 345
183 28854.34 311.72 33.28 345
184 28542.62 312.08 32.92 345
185 28230.54 312.44 32.56 345
186 27918.1 312.8 32.2 345
187 27605.3 313.16 31.84 345
188 27292.14 313.52 31.48 345
189 26978.62 313.88 31.12 345
190 26664.74 314.24 30.76 345
191 26350.5 314.6 30.4 345
192 26035.9 314.97 30.03 345
193 25720.93 315.33 29.67 345
194 25405.6 315.69 29.31 345
195 25089.91 316.06 28.94 345
196 24773.85 316.42 28.58 345
197 24457.43 316.79 28.21 345
198 24140.64 317.15 27.85 345
199 23823.49 317.52 27.48 345
200 23505.97 317.89 27.11 345
201 23188.08 318.25 26.75 345
202 22869.83 318.62 26.38 345
203 22551.21 318.99 26.01 345
204 22232.22 319.36 25.64 345
205 21912.86 319.72 25.28 345
206 21593.14 320.09 24.91 345
207 21273.05 320.46 24.54 345
208 20952.59 320.83 24.17 345
209 20631.76 321.2 23.8 345
210 20310.56 321.57 23.43 345
211 19988.99 321.94 23.06 345
212 19667.05 322.32 22.68 345
213 19344.73 322.69 22.31 345
214 19022.04 323.06 21.94 345
215 18698.98 323.43 21.57 345
216 18375.55 323.81 21.19 345
217 18051.74 324.18 20.82 345
218 17727.56 324.55 20.45 345
219 17403.01 324.93 20.07 345
220 17078.08 325.3 19.7 345
221 16752.78 325.68 19.32 345
222 16427.1 326.05 18.95 345
223 16101.05 326.43 18.57 345
224 15774.62 326.81 18.19 345
225 15447.81 327.18 17.82 345
226 15120.63 327.56 17.44 345
227 14793.07 327.94 17.06 345
228 14465.13 328.32 16.68 345
229 14136.81 328.7 16.3 345
230 13808.11 329.07 15.93 345
231 13479.04 329.45 15.55 345
232 13149.59 329.83 15.17 345
233 12819.76 330.22 14.78 345
234 12489.54 330.6 14.4 345
235 12158.94 330.98 14.02 345
236 11827.96 331.36 13.64 345
237 11496.6 331.74 13.26 345
238 11164.86 332.12 12.88 345
239 10832.74 332.51 12.49 345
240 10500.23 332.89 12.11 345
241 10167.34 333.28 11.72 345
242 9834.06 333.66 11.34 345
243 9500.4 334.04 10.96 345
244 9166.36 334.43 10.57 345
245 8831.93 334.82 10.18 345
246 8497.11 335.2 9.8 345
247 8161.91 335.59 9.41 345
248 7826.32 335.98 9.02 345
249 7490.34 336.36 8.64 345
250 7153.98 336.75 8.25 345
251 6817.23 337.14 7.86 345
252 6480.09 337.53 7.47 345
253 6142.56 337.92 7.08 345
254 5804.64 338.31 6.69 345
255 5466.33 338.7 6.3 345
256 5127.63 339.09 5.91 345
257 4788.54 339.48 5.52 345
258 4449.06 339.87 5.13 345
259 4109.19 340.26 4.74 345
260 3768.93 340.66 4.34 345
261 3428.27 341.05 3.95 345
262 3087.22 341.44 3.56 345
263 2745.78 341.84 3.16 345
264 2403.94 342.23 2.77 345
265 2061.71 342.63 2.37 345
266 1719.08 343.02 1.98 345
267 1376.06 343.42 1.58 345
268 1032.64 343.81 1.19 345
269 688.83 344.21 0.79 345
270 344.62 344.62 0.38 345

Borrower Name CHIRANJEET PANDIT

Date 08-03-2023

Mobile No. for OTP 917992364973

Platform BHARATPE

IP Address 2409:40e4:2b:26e:8000::

Location 24.832038, 87.207712

Time Stamp 2023-03-08 09:52:40.0

Loan ID BPL0803234605593