Annex A

Key Fact Statement

Part 1 (Interest Rate and fees/charges)

HDFC BANK LTD

DATE - 07/05/2025
Applicant Name - RANJU KUMARI

1 Loan proposal /account Number PF12725507814 Type of Loan Insta Loan

2 Sanctioned Loan amount (In Rupees) ₹ 90,000

3 Disbursement schedule

Disbursement in stages or 100%

(i) 100% Upfront
upfront
If it is stage wise mention the clause
(ii) of loan agreement having relevant Not Applicable
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
13/05/2025
Monthly 12 ₹ 8,199.89 EMI amount is payable
as per due date specified
in monthly Statement
Interest rate p.a.(%) and type(Fixed
6 16.8% Fixed
or floating or hybrid)

7 Additional information in case of floating rate of interest

Impact of change in the

Rest Periodicity (Months)
Reference Benchmark Final Rate(%) reference benchmark
Spread(%)(S)
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
8 Fee/Charges

Payable to the RE(A) Payable to a third party through RE(B)

Application is submitted on-line by the customer on 07/05/2025 at 15:06

 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 ₹ 1299 Not Applicable Not Applicable

(ii) Insurance Charges - - Not Applicable Not Applicable

(iii) Valuation Fees - - Not Applicable Not Applicable

Any Other (Please

(iv) - - Not Applicable Not Applicable
specify)

9 Annual Percentage Rate (APR)(%) 19.6 %

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

Late payment Charges

(i) Penal Charges, if any, in case of delayed payment Outstanding Balance
(Excl. GST)
Less than Rs.100 Nil

Rs. 100 to Rs. 500 Rs. 100/-

Rs.501 to Rs. 5,000 Rs. 500/-

Rs. 5,001 to Rs. 10,000 Rs. 600/-

Rs. 10,001 to Rs. 25,000 Rs. 800/-

Rs. 25,001 to Rs. 50,000 Rs. 1100/-

More than Rs. 50,000 Rs. 1300/-

Payment Return fees: 2% of the payment amount

(ii) Other penal charges, if any
(min Rs.450 - max Rs.4999)

(iii) Foreclosure charges, if applicable 3% of principal outstanding + GST & Pro-rata interest + GST

Charges for switching of loans from floating to fixed rate

(iv) Not Applicable
and vice versa

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

Total Interest charged during the entire tenure of the loan

11 ₹ 8,398
(In Rupees)

Total amount to be paid by the borrower (Sum of

12 ₹ 99,697
(2),8(i),11) (In Rupees)

Application is submitted on-line by the customer on 07/05/2025 at 15:06

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

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 payment
Clause of Loan agreement relating to engagement
1 reminder communication and any change in details would be intimated
of recovery agents
to you thereon. List of authorized associates empanelled for handling
collections are updated on the bank’s website for reference.
Clause of Loan agreement which details grievance
2 Not Applicable
redressal mechanism
Mr. Kannan Ramaseshan (Grievance Redressal Officer)
Grievance Redressal Cell, HDFC Bank Limited,
1st Floor, Empire Plaza-1, Lal Bahadur Shastri Marg, Chandan Nagar,
Vikroli West, Mumbai-400083
Phone number and email id of the nodal
3 Call: 18002664060
grievance redressal officer
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, subject
4 Not Applicable
to transfer to other Res or securitisation (Yes/No)
In case of lending under collaborative lending arrangements (e.g. co-lending/outsourcing), following additional details may
5
be furnished
Name of the originating RE, along with its Name of the partner RE along with its proportion
Blended rate of interest
funding 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 borrower
3 days
shall not be charged any penalty on prepayment
of loan
https://www.hdfcbank.com/content/bbp/repositories/723fb80a-
2dde-42a3-9793-
(ii) Details of LSP acting as recovery agent and
7ae1be57c87f/?path=/Common%20Overlays/Feedback/PDFS/Ban
authorized to approach the borrower
king%20Ombudsman%20Scheme/Active-Collection-Vendor-
List.pdf

Application is submitted on-line by the customer on 07/05/2025 at 15:06

 Annex B

APR computation sheet

Number Parameter Details

1 Sanctioned Loan amount (in Rupees) ₹ 90,000
2 Loan Term (in years/months/days) 12 Months
Number of instalments for payment of principal, in case of non-
a) Not Applicable
equated periodic loans
Type of EPI Monthly
b) Amount of each EPI(in Rupees) and ₹ 8,199.89
Number of EPIs 12
c) Number of instalments for payment of capitalised interest, if any Not Applicable

13/05/2025
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(%) 16.8 %
Total interest amount to be charged during the entire tenor of
5 ₹ 8,398
the loan as per the rate prevailing on sanction date (in Rupees)
6 Fee/Charges payable (in Rupees)
A Payable to the RE ₹ 1299
B Payable to third-party routed through RE Not Applicable
7 Net disbursed amount (in Rupees) ₹ 90,000
Total amount to be paid by the borrower (sum of 1 and 5 and 6A)
8 ₹ 99,697
(in Rupees)
Annual Percentage Rate- Effective annualised interest rate (in
9 19.6 %
percentage)
10 Schedule of disbursement as per terms and conditions 100% Upfront

13/05/2025
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 07/05/2025 at 15:06

 Annex C

Repayment Schedule

Outstanding Interest *excluding Instalment

Instalment No. Principal (in Rupees)
Principal (in Rupees) GST (in Rupees) (in Rupees)

1 90000 6939.89 1260 8199.89

2 83060 7036.89 1163 8199.89

3 76023 7135.89 1064 8199.89

4 68887 7235.89 964 8199.89

5 61651 7336.89 863 8199.89

6 54315 7439.89 760 8199.89

7 46875 7543.89 656 8199.89

8 39331 7648.89 551 8199.89

9 31682 7755.89 444 8199.89

10 23926 7864.89 335 8199.89

11 16061 7974.89 225 8199.89

12 8086 8086.23 113 8199