Selected KFS language : English

Key Facts Statement (Annex A)

Part1 (Interest rate and fees/charges)

1
Loan proposal/ account No. 100751TA00071 Type of Loan TWO WHEELER

2
Sanctioned loan amount (in Rupees) 2,20,243.0

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 NA

4 Loan term (year/months/days) 24 months

5
Instalment details

Type of instalments Number of EPIs EPI (Rs) Commencement of repayment, post sanction

Disbursal date EMI date

Monthly 24 11,006.00 > 1st to 20th of > 5th of the immediate next month
the month
>> 5th of the month after the immediate
>> 21st onwards next month
till last date of the
month
6 Interest rate (%) and type (fixed or floating or hybrid) 18.10% per annum ( FIXED RATE OF INTEREST)
7 Additional Information in case of Floating rate of interest

Reset periodicity (Months) Impact of change in the reference

Reference Benchmark Final rate (%) R = (B) + benchmark
Spread (%) (S)
Benchmark rate (S) B S EPI No. of EPIs
(%)
(B) (Rs)
NA NA NA NA NA NA NA NA

8
Fee/ Charges

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

Amount (in Rs)

or Percentage Amount (in Rs) or
One-time/ Recurring One-time/Recurring
(%) as Percentage (%) as
applicable applicable
(i) Processing fees
One time Rs.3,251.0
(ii) Registration Certificate (RC) Collection Fees

One time Rs.885.0

(iii) Documentation Charge

One time Rs.2,167.0

(iv) Stamp Duty & Other statutory charges :- As per applicable laws of Rs.700.0
One time
the state
(v) Asset Verification & Valuation Charges One time

(vi) Others (if any) (in Rupees) (details to be

provided)

(vii) Total Insurance charges One time Rs.3,543.0

(a) Sarv Suraksha, If any (in rupees) One time Rs.1,669.0
(b) Credit Protect One time Rs.1,874.0
(c) Extended Warranty One time Rs.0.0
(d) Any other Insurance One time
(e) Motor Insurance, if any (in Rupees) (From Bank) Rs.0.0
One time
 (f) Motor Insurance, if any (in Rupees) (From Dealer) One time

(g) Health Insurance, if any (in Rupees) Rs.0.0

One time

Total Rs. 10,546.0

9 Annual Percentage Rate (APR) (%) 20.65%

10 Details of Contingent Charges (in Rs or %, as applicable)

(i) Penal charges, if any, in case of delayed payment and Other penal charges, if any Delayed instalment payment charge : 18% p.a plus applicable
government taxes on overdue instalment amount

(ii) Premature Closure Charges (For Full Payment) Post Cooling Period of 3 Days: Pre-mature closure charges Post Cooling Period of 3 Days: --
-- Up to 24 Months - 5% of the Principal Outstanding
-- Post 24 Months - 3% of the Principal Outstanding
-- NIL pre-mature closure Charges for Fixed rate loan facility up to Rs. 50
Lakh availed by Micro & Small Enterprises and Closure from Own
Source
(iii)
Any other charges (please specify) Amortization Schedule Charges / Repayment Schedule Charges: Rs. 50/- +GST
per schedule for physical copy. Customer can also downlaod from website
free of cost.

Repayment mode change charges: Rs. 500/- + GST per instance (SC)

Payment Return Charges Rs. 450 + Govt. Taxes & Levies (without prejudice to
Bank's civil and Criminal rights and remedies)

No Due Certificate/NOC: NIL

Duplicate No Due Certificate/NOC: Rs.250/-, Special NOC : Rs.200
CIBIL Charges (only on request): Rs. 50/- (SC)
Legal collection, Repossession & Incidental charges: At actuals
RTO Charges (if applicable)-At Actual

Loan Rebooking / Reschedulement charges: Rs. 400/-

Charges for switching of loans from floating to fixed rate and vice versa

* Govt Taxes & Levies and other government levies, as applicable would be charged additionally.

*NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to Udhyam Registration Certificate submission prior to disbursal

Terms & conditions

*Loan Processing fees, Documentation charges & Stamp Duty is non-refundable.
*Registration Certificate (RC) Collection Fees charges are refundable in case of loan cancellation.
*10% discount to senior citizens on all the charges
*All the above service charges/fees/Commissions are exclusive of taxes.

*Net Disbursed or 1st EMI Amount might vary depending on the gap interest amount, if applicable
*The fees and service charges mentioned in the Key Fact Statement shall be deemed to be considered as an issuance of receipt thereof.

#
 Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery agents In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to
you through a payment reminder communication and any change in details would be intimated to you thereon.
List of authorised associates empanelled for handling collections are updated on the bank’s website

2 Clause of Loan agreement which details grievance redressal mechanism Name, designation, address and phone number of nodal grievance redressal
officer updated on the bank’s website:
https://www.hdfcbank.com/personal/need-help/contact-us

3 Phone number and email id of the nodal grievance redressal For FinTech/ Digital lending related complaints
officer
Ms Shalini Tandon (Grievance Redressal officer) Grievance Redressal Cell, HDFC Bank Limited, 1st Floor, Empire
Plaza - 1, Lal Bahadur Shastri Marg, Chandan Nagar, Vikroli West, Mumbai – 400083. Call : 1800 266 4060 Email ID
: grievance.redressaldl@hdfcbank.com Monday to Saturday : 9:30 am to 5:30 pm

This facility is not available on 2nd & 4th Saturdays, all Sundays and Bank Holidays

4 Yes
Whether the loan is, or in future maybe, subject to transfer to other
REs or securitisation (Yes/ No)

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 its funding proportion Name of the partner RE along with its proportion of Blended rate of interest
funding

6 In case of digital loans, following specific disclosures may be furnished:

(i) 3 Days
Cooling off/look-up period, in terms of RE’s board approved policy,
Cooling off/look-up period during which borrower shall not be charged any penalty on prepayment of loan and
during which borrower shall not be charged any penalty on can exit digital loan by paying the principal and the proportionate APR. Stamp duty and other statutory charges
prepayment of loan which are non-refundable charges would not be waived/refunded.

(ii) Details of LSP acting as recovery agent and In the event of default, the details of authorised associate to approach for recovery of dues will be intimated to
authorized to approach the borrower you through a payment reminder communication and any change in details would be intimated to you thereon.
List of authorised associates empaneled for handling collections are updated on the bank’s website
( https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path= /C
ommon%20Overlays/Feedback/PDFS/Banking%20Ombudsman%20Scheme/Active-Collection-Vendor-List.pdf
)

Above financing scheme, charges and other details are as per the sanctioned loan. These details might vary depending upon actual loan amount and tenure opted for at the time of disbursement.
The pre-approved offer would expire post the last date of the month and the above loan finance scheme, charges and other details captured in this Key Fact Statement would no longer be valid
thereafter.
 Annex B

Computation of APR

Sr.No. Parameter Details

Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS template – Part 1) 2,20,243.0
1
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 24 months
No. of instalments for payment of principal, in case of non-equated periodic loans -
a)
Type of EPI Monthly
b)
Amount of each EPI (in Rupees) 11,006.00
Nos. of EPIs (e.g., no. of EMIs in case of monthly installments) (Sl No. 5 of the KFS template – Part 1) 24 months
c) No. of instalments for payment of capitalised interest, if any -

d) Commencement of repayments, post sanction (Sl No. 5 of the KFS template – Part 1)
Disbursal Date – 1st to 20th
> EMI DATE - 5th of the immediate next month

Disbursal Date – 21st onwards till last date of the month

> EMI DATE - 5th of the month after the immediate next
month
3 Interest rate type (Fixed or floating or hybrid) (Sl No. 6 of the KFS template – Part 1) Fixed
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 18.10% per annum
5 Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on sanction date (in 43,901.0
Rupees)
6 Fee/ Charges payable (in Rupees) 7,003.0

A Payable to the RE (Sl No.8A of the KFS template-Part 1) 5,341.0

Payable to third-party routed through RE (Sl No.8B of the KFS template – Part 1) 4,243.0
B
7 Net disbursed amount (1-6) (in Rupees) 2,13,240.0
(Total Loan Amount – (Processing Fees + RC Collection Charge + Stamp Duty + Asset Verification/ Valuation Charges + Cost of all
insurances* + Extended Warranty) *Excludes Motor insurance from the dealer)

Total amount to be paid by the borrower (sum of 1, 5 and 6) (in Rupees) 2,71,147.0
8
9 Annual Percentage rate- Effective annualized interest rate (in percentage) (Sl No.9 of the KFS template-Part 1) 20.65%
Annex C
10 Schedule of disbursement as per terms and conditions

11 Due date of payment of instalment and interest

Disbursal Date – 1st to 20th
> EMI DATE - 5th of the immediate next month

Disbursal Date – 21st onwards till last date of the month

> EMI DATE - 5th of the month after the immediate next
month
 Annex C

Repayment Schedule under Equated Periodic Instalment for the loan in Annex B

Instalment No. Outstanding Principal (in Rupees) Principal (in Rupees) Interest (in Rupees) installment (in Rupees)

1 2,12,559 7,684 3,322 11,006.0

2 2,04,759 7,800 3,206 11,006.0

3 1,96,841 7,918 3,088 11,006.0

4 1,88,804 8,037 2,969 11,006.0

5 1,80,646 8,158 2,848 11,006.0

6 1,72,365 8,281 2,725 11,006.0

7 1,63,958 8,406 2,600 11,006.0

8 1,55,425 8,533 2,473 11,006.0

9 1,46,764 8,662 2,344 11,006.0

10 1,37,971 8,792 2,214 11,006.0

11 1,29,046 8,925 2,081 11,006.0

12 1,19,987 9,060 1,946 11,006.0

13 1,10,790 9,196 1,810 11,006.0

14 1,01,455 9,335 1,671 11,006.0

15 91,979 9,476 1,530 11,006.0

16 82,361 9,619 1,387 11,006.0

17 72,597 9,764 1,242 11,006.0

18 62,686 9,911 1,095 11,006.0

19 52,625 10,061 946 11,006.0

20 42,413 10,212 794 11,006.0

21 32,047 10,366 640 11,006.0

22 21,524 10,523 483 11,006.0

23 10,843 10,681 325 11,006.0

24 0 10,843 164 11,006.0

Note : The difference in repayment amount calculated from the total of instalments given under the detailed repayment schedule vis-á-vis the amount mentioned under (VI) is due to rounding off the
instalment amount under the detailed repayment schedule**
To

HDFC Bank Ltd

Sandoz House, Mumbai

This is to confirm that I/ we have read the Key Fact Sheet (KFS) (including inter alia the Annual Percentage Rate (APR), Charges and Repayment Schedule)
regarding the TWO WHEELER loan applied by me/ us.
I/ we hereby confirm that I/ we have read, understood and agree with the contents of the same

----------------------------------------

RAKESH M

Loan Application / Reference Number: 100751TA00071

Date :

Place: KUMBAKONAM