Annex A

Key Facts Statement

Part 1 (Interest rate and fees/charges)
Date Validity 3 Working Day
1 Loan proposal / account No. Type of Loan
1 a Name of the Borrower
2 Sanctioned Loan amount (in Rupees)
3 Disbursal schedule 100% Upfront
(i) Disbursement in stages or 100% upfront.
(ii) If it is stage wise, mention the clause of loan NA
agreement having relevant details
4 Loan term (months)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of repayment, post
sanction
NA
6 Interest rate (%) and type (fixed or floating or hybrid) ROI % Floating
7 Additional Information in case of Floating rate of interest

Final Impact of change in the reference

Reset
Reference rate benchmark
Benchmark Spread (%) periodicity
Benchmar (S) (%) R = (Months) (for 25 bps change in ‘R’, change in:)
rate (%) (B)
k (B) +
(S) B S EPI (₹) No. of EPIs
Quarterly NA NA NA
8 Fee/ Charges
Payable to a third party through
Payable to the RE (A)
RE (B)
One-time / One- time / Amount (in ₹)
Amount (in ₹)
Recurring Recurring
(i) Processing fees
(ii) Insurance charges
(iii) Valuation fees
(iv) Stamp Duty Paid to Bank
(v) Cersai Charges
(vi) Any other (please
specify)
Total
9 Annual Percentage Rate (APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, in case of Delayed Instalment payment Charge - 18% per annum (+)
delayed payment Applicable Taxes on overdue installment amount
(ii) Other penal charges, if any NA
(iii) Foreclosure charges, if applicable Pre-Payment/PartPayment Charges:
No prepayment charges shall be applicable for part
prepayment once during a financial year only if the amount
being prepaid does not exceed
25 % of the principal amount outstanding at the time of such
prepayment. 2.5% (+) Applicable Taxes of principal
outstanding being prepaid or at
such rates as decided by the Bank If The Amount Being
Prepaid Is More Than Said 25%.Charges Shall Be Applicable
On The Amount In Excess Of Said 25%.
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 Premature Closure Charges:
2.5% (+) Applicable Taxes of principal outstanding being
prepaid or at such rates as decided by the Bank.

No prepayment/premature closure charges will be applicable

for payments made post 60 months from the date of last
disbursement of the loan.

NIL pre-payment/part-payment/premature closure charges on

floating rate term loan sanctioned for purposes other than
business to individual borrowers with or without co-obligant(s).

NIL Pre-Payment /Part Payment & Premature closure

charges on floating rate loans to Micro & Small
Enterprise (MSE) Certified borrowers.

Bank reserves the right to ask the documentary proof of

source of funds for closure request of loans.

For detailed list of charges please visit our website

""www.hdfcbank.com"" and All the above service
charges/fees/commissions are exclusive of taxes.
(iv) Charges for switching of loans from
NIL
floating to fixed rate and vice versa
(v) Any other charges (please specify) 1. Repayment Mode Swapping Charges: Rs. 500/- (+)
Applicable Taxes per incident
2. Payment Return charges: Rs.450/- (+) Applicable Taxes per
Instance
3. Duplicate Amortization / Repayment Schedule Charges: Rs.
50/- (+) Applicable Taxes per request (Customer can also
download from website free of cost)
4. Property Swapping / Partial property Release -- 0.1% of the
loan amount, Min – Rs. 10,000/- (+) Applicable Taxes;Max –
Rs, 25,000/- (+) Applicable Taxes per property
5. Issuance charges for photocopy of property documents/
Retrieval of documents post disbursement of loan - Rs.75/- (+)
Applicable Taxes per document set
6. Legal/Repossession & Incidental charges - At actuals
7. Custody Charges :- Rs 1000/- (+ Applicable Taxes)per
month for non-collection of collateral documents beyond 60
days, from date of closure of all loans/facilities linked to the
collateral.
8. Revision in spread: 0.1% (+ Applicable Taxes) of Principal
Outstanding or Rs. 5000/- (+ Applicable Taxes) whichever is
higher per Proposal
9. Non Compliance of Sanction Terms & Conditions :- 2%
charges p.a. + applicable taxes on principal outstanding for
non-compliance of agreed terms upto its fulfillment - (Charged
on monthly basis) Subject to a Max of Rs 50000/- (+
Applicable Taxes) for Critical security related deferrals, Max of
Rs 25000/- (+ Applicable Taxes) for other deferrals.
Charges for Non-Adherence of 2% (+) Applicable Taxes charges per annum on principal
(vi) Terms (Applicable in LARR cases outstanding for non-compliance of agreed terms up to its
ESCROW Account of Sanction
fulfilment - (Charged on Quarterly basis) (Applicable in LARR
only) cases only)

Note - All the above service charges/fees/Commissions are exclusive of taxes.

10% discount to Senior Citizen (main borrower) on all the above service charges

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 Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to In the event of default, the details of

engagement of recovery agents 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 for reference
2 Clause of Loan agreement which details Name, designation, address and phone
grievance redressal mechanism 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 email - grievance.redressal@hdfcbank.com
grievance redressal officer Toll free no - 18002664060
4 Whether the loan is, or in future maybe, subject Yes
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, Name of the partner RE along with its
along with its funding Blended rate of interest
proportion proportion of 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 NA
board approved policy, during which borrower
shall not be charged any penalty on
prepayment of loan
(ii) Details of LSP acting as recovery agent and NA
authorized to approach the borrower

* In case of external benchmark the Reference Rate shall be reset by the Bank once in three months or at such
intervals as may be permissible under the RBI guidelines / regulations from time to time.
** Reset periodicity of Spread is contingent on the credit deterioration of the customer.

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 Annex B
Computation of APR for Retail and MSME loans

Sr. No. Parameter Details

1 Sanctioned Loan amount (in Rupees)
2 Loan Term (months)
a) No. of instalments for payment of principal, in case of non-
NA
equated periodic loans
b) 1. Type of EPI Monthly
2. Amount of each EPI (in Rupees) and
3. Nos. of EPIs (e.g., no. of EMIs in case of monthly
instalments)
c) No. of instalments for payment of capitalised interest, if any NA
d) Commencement of repayments, post sanction NA
3 Interest rate type (fixed or floating or hybrid) Floating
4 Rate of Interest
5 Total Interest Amount to be charged during the entire tenor
of the loan as per the rate prevailing on sanction date (in
Rupees)
6 Fee / Charges payable (in Rupees)
A Payable to the RE
B Payable to third-party routed through RE
7 Net disbursed amount (1-6) (in Rupees)
8 Total amount to be paid by the borrower (sum of 1 and 5) (in
Rupees)
9 Annual Percentage rate- Effective annualized interest rate (in
percentage)
10 Refer Amortisation Schedule
Schedule of disbursement as per terms and conditions
attached
11 Due date of payment of instalment and interest Selected date of every Month

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 Annex C

Loan Repayment Schedule under Equated Periodic Instalment

Instalment Outstanding Principal (in Interest (in Instalment (in Rupees)

No. Principal (in Rupees) Rupees)
Rupees)
1 20,000 720 250 970
2 19,280 729 241 970
3 18,552 738 232 970
4 17,814 747 223 970
5 17,067 756 213 970
6 16,310 766 204 970
7 15,544 775 194 970
8 14,769 785 185 970
9 13,984 795 175 970
10 13,189 805 165 970
11 12,384 815 155 970
12 11,569 825 145 970
13 10,744 835 134 970
14 9,909 846 124 970
15 9,063 856 113 970
16 8,206 867 103 970
17 7,339 878 92 970
18 6,461 889 81 970
19 5,572 900 70 970
20 4,672 911 58 970
21 3,761 923 47 970
22 2,838 934 35 970
23 1,904 946 24 970
24 958 958 12 970
Total Sum Sum Sum

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To
HDFC Bank Ltd
<Location Name>

This is to confirm that I have been shared a copy of the Key Fact Sheet (KFS) (including inter alia the Annual
Percentage Rate (APR), Charges and Repayment Schedule) regarding the <Product Name> loan applied by me.

The details of the loan and the contents of the Key Fact Sheet have been explained to me thoroughly and I
hereby confirm that I have read, understood and agreed for the same.

----------------------------------------
<Customer Name>

Loan Application / Reference Number: _____________________

Date : __________________
Place: __________________