KEY FACTS STATEMENT

Part 1 (Interest rate and fees/charges)

Type of
1. Loan proposal/ account No. DL00000020657 Term Loan
Loan

2. Sanctioned Loan amount (in Rupees) 2700000

Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3. 100% upfront
(ii) If it is stage wise, mention the clause
of loan agreement having relevant details.

4. Loan term (year/months/days) 60 months

(i). Interest Only Servicing Tenor (Months) _ _ _ _ _ _ _ _ months

(ii). Principal Payment Tenor (Months) _ _ _ _ _ _ _ _ months

5. Instalment details

Commencement of repayment, post

Type of instalments Number of EPIs(EMI) EPI ( )
sanction

Installment Monthly (Principle +

Interest)

Installment during Interest Only

Servicing Tenor (if applicable)
Monthly

Total Monthly 60 62825 02/02/2026

Interest rate (% per annum) and type (fixed or

6. 14.0 % & Fixed
floating or hybrid)

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 7. Additional Information in case of Floating rate of interest

Impact of change in
the reference
Final rate (%) Reset periodicity
Reference Benchmark Benchmark rate (%) (B) Spread (%) (S) benchmark (for 25 bps
R=(B)+(S) (Months)
change in 'R', change
in:)
B S EPI ( ) No. of EPIs

8. Fee/Charges

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

Amount (in ) or Amount (in ) or

One-time/Recurring Percentage (%) as One-time/Recurring Percentage (%) as
applicable applicable

(i) Processing fees One Time 63720

(ii) Insurance charges One Time 38588.0

(iii) Valuation fees NA NA

(iv) Stamp Duty Fees One Time 118

Credit Administration
(v) One Time 6372.0
Charges

(vi) Advance EMI

(vii) Facility Fee One Time 0

(viii) Maintenance Charge Recurring 0

Annual Percentage Rate

9. 15.86 %
(APR) (%)

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

Penal charges, if any, in case of delayed

(i) 3% p.m. (36% p.a.) on the overdue amount for the delayed period
payment

(ii) Other penal charges, if any

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 Penal charges for non-compliance with material terms and
2% p.a. on the outstanding loan amount till the date of
(a) conditions (covenants / stipulated conditions) mentioned in the
compliance
Sanction Letter / Loan Agreement, wherever applicable

The applicable processing fee to be retained before reversing the

(b) Charges for Cancellation of Loan funds Cancellation fee of Rs. 2000 will be levied. Cancellation
allowed within 15 days from the date of disbursal

Penal charges for Cheque return / bounce charges / ECS / SI /

(c) Rs. 1000 per instance
NACH failure charges

For Term Loan:-

Pre-payment shall be allowed only after payment of 12 EMIs

- Up to 5% will be charged on the part pre-payment amount if

paid after payment of 12 EMIs

Before payment of 12 EMIs - Up to 8% will be charged on the part

pre-payment amount
subject to following conditions:-

Total of 20% of the Principal outstanding will be allowed for

part pre-payment twice during the tenor of loan (Charges should
(d) Part pre-payment charges be taken on this part payment as well)

Part pre-payment amount shall be equal to or greater than

total of 3 EMIs.

For Flexi Loan:

No charges for part pre-payments through mobile app/portal.

Part pre-payment of loan facility toward limit reduction is not

available.
Part prepayment charges shall not be levied in the cases of
floating rate term loan sanctioned, for purposes other than
business, to individual borrowers with or without co-obligant(s).

Foreclosure is allowed only after payment of 12 EMIs

After payment of 12 EMIs

For Term Loan :

Upto 5% of the Principal outstanding

For Flexi Loan :

(iii) Foreclosure charges, if applicable Upto 5% of the withdrawable amount

Before payment of 12 EMIs

For Term Loan :

Upto 8% of the Principal outstanding

For Flexi Loan :

Upto 8% of the withdrawable amount

(iv) Processing Fees Upto 2.75 % of the loan sanctioned amount (Non-refundable)

(v) Credit Administration Charges 0.20% on loan sanction amount

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 Charges for switching of loans from floating to fixed rate and vice
(vi) NA
versa

Up to 0.5% of the loan amount

Applicable for below Programs/facility type

(vii) Facility Fee
1. Hybrid term Loan
2. Hybrid Dropline Overdraft
3. Regular Dropline Overdraft

(viii) Any other charges (please specify)

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 Penal charges for Mandate Cancellation Charges (One-time
levied in case customer cancels an active mandate
(a) Rs. 450
instruction for recurring repayment(s) and no new mandate
is registered ):

Statement of Account/ Repayment Schedule / any other

(b) For Physical copy Rs 500 per request
document/statement

(c) Duplicate No Due Certificate issuance charges Rs. 1000 per instance

(d) No-Objection Certificate issuance charges Rs. 500 per instance

Charge For Exchanging PDCs, Security Cheques (Per Set) /

(e) Rs. 750 per instance
ECS / NACH Re-registration Charges

Rs. 750 per instance

Note: Interest accrued (from original EMI date to revised EMI date), if
(f) EMI cycle change date
any, on account of EMI date change shall be applicable and payable
upfront over and above the EMI change date charges

Loan Re-schedulement charges (on request from applicants,

(g) Rs. 7,500 per instance
approval be at sole discretion of ABCL)

For Flexi Loan:

Up to 0.50% AMC on total withdrawable limit irrespective of utilisation on
the date of levy of such charges and will be deducted in the beginning of
each year on total withdrawable limit irrespective of utilisation on the date
of levy of such charges
(h) Annual Maintenance Charges
(1st year AMC will be charged upfront from disbursement)
Applicable for below Programs/facility type:
1. Hybrid Dropline Overdraft
2. Regular Dropline Overdraft

0.25% p.m. (3% p.a.) on non-utilized OD Limit (total withdrawable limit

minus average utilized amount) if average monthly utilization is less than
or equal to 25%
(i) OD Non Utilization Charges
Applicable for below Programs/facility type:
1. Hybrid Dropline Overdraft
2. Regular Dropline Overdraft

Rs. 50 per instance for Consumer and

(j) CIBIL report retrieval fee
Rs. 500 per instance for commercial CIBIL/Credit Report

(k) Stamp Duty As per actual, where applicable

(l) Legal and other statutory charges As per actual, where applicable

(m) Filing Financial information with Information Utility (NeSL) As per actual, where applicable

ABCL shall charge and collect BPI (Broken Period Interest) as applicable
(n) Broken Period Interest
based on actual disbursement date

(o) Cheque Re-issuance charges Rs. 500 per instance

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Note: GST at applicable rates, shall be levied as per the prevailing law for Banking & Financial services sector including NBFC

Part 2 (Other qualitative information)

Engagement of recovery agents:

In case of non-payment of the loan amount, interest, and other charges as per the terms of the loan documents, the Lender
reserves the right to engage recove agents / service providers for the purpose of recovering any outstanding / overdue amount
and other charges. Lender or its authorized service provider(s) may approach the borrower, co-borrower, and guarantor for the
Clause of payment of the outstanding /overdue amount and other charges, by way of call(s), SMS(s), email(s), and in person visit(s), in
Loan accordance with the Fair Practice code stipulated by the Reserve Bank of India. Not withstanding anything mentioned
agreement hereinabove, in the event of non- payment of the outstanding/ overdue loan amount and other charges by the borrower/ co-
1. relating to borrower/guarantor, the Lender may resort to legal recourse. The Borrower agrees, confirms and understands that the Lender
engagement might resort to such legal recourse either directly, or through the Lending Service Provider, or any of its third party agents,
of recovery officers or collections agencies.
agents
The abovementioned clause can be referred in the Loan Agreement under clause no. - MITC - Default - clause 3

Details of recovery agent(s) authorized to approach the borrower [Link]

recovery-agency-lists

Grievance Redressal Mechanism:

Customers who wish to provide feedback or send in their complaint may use the following channels:
. Call at our Customer Care number between 9:00 am and 7:00 pm from Monday to Sunday: 18002707000
. Email at:
[Link]@[Link] for raising Queries/Request
Clause of [Link]@[Link] for raising Complaints
Loan . Write to us at the below mentioned address: Aditya Birla Capital Ltd, Ground floor, R Tech Park, Nirlon Complex, Goregaon,
agreement Mumbai - 400063
2. which details
grievance Details of the Grievance Redressal Officer / Principal Nodal Officer along with the details of escalation mechanism and the
redressal complaint lodging portal of the Ombudsman are available on the website and branches of the Company.
mechanism For information on grievance redressal visit: [Link]
The above mentioned clause can be referred in the Loan Agreement under clause no. Standard Terms and Conditions -
Default - Grievance Redressal Mechanism

The above Grievance Redressal Mechanism also covers the redressal of grievances of persons with disabilities

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 Phone No.: 08045860196
3. Phone number and email id of the nodal grievance redressal officer
Email Id.: [Link]@[Link]

Whether the loan is, or in future maybe, subject to transfer to other REs or
4. Yes
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 Name of the partner RE along with its proportion of Blended rate of
proportion funding interest

NA NA NA

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

Cooling off/look-up period, in terms of RE's board approved policy, during

i. NA
which borrower shall not be charged any penalty on prepayment of loan

Details of LSP acting as recovery agent and authorized to approach the

ii. NA
borrower

Computation of APR

Sr No Parameter Details

1. Sanctioned Loan amount ( ) 2700000

2. Loan Term (in years/ months/ days)

a) No. of instalments for payment of principal, in case of non-equated periodic loans

b) Type of EMI Monthly

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 Amount of each EPI for Interest Only Servicing Tenor (in Rupees) (if applicable)

Nos. of EPIs for Interest Only Servicing Tenor (if applicable) 0

Amount of each EPI (in Rupees) and 62825

nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 60

Total nos. of EPIs 60

c) No. of instalments for payment of capitalised interest, if any

d) Commencement of repayments, post sanction 2 days

3. Interest rate type (fixed or floating or hybrid) Fixed

4. % Rate of Interest 14.0 %

Total Interest Amount to be charged during the entire tenor of the loan as per the
5. 1071589
rate prevailing on sanction date ( )

6. Fee/ Charges payable ( ) 108798.00

A Payable to the RE 70092

B Payable to third-party routed through RE 38706.00

7. Net disbursed/received amount (1-6) ( ) 2591202.00

8. Total amount to be paid by the borrower (sum of 1 and 5) ( ) 3771589

9. Annual Percentage rate - Effective annualized interest rate (%) 15.86 %

As per Terms and conditions/Special conditions

10. Schedule of disbursement as per terms and conditions
mentioned in sanction letter

11. Due date of payment of instalment and interest 02/02/2026

I/we have read and understood the above information and accept the same

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 Repayment Schedule

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

0 2700000 0 2101 2101

1 2668676 31324 31501 62825

2 2636986 31690 31135 62825

3 2604926 32060 30765 62825

4 2572492 32434 30391 62825

5 2539680 32812 30013 62825

6 2506485 33195 29630 62825

7 2472903 33582 29243 62825

8 2438929 33974 28851 62825

9 2404559 34370 28455 62825

10 2369788 34771 28054 62825

11 2334611 35177 27648 62825

12 2299024 35587 27238 62825

13 2263021 36003 26822 62825

14 2226598 36423 26402 62825

15 2189750 36848 25977 62825

16 2152473 37277 25548 62825

17 2114761 37712 25113 62825

18 2076609 38152 24673 62825

19 2038012 38597 24228 62825

20 1998964 39048 23777 62825

21 1959461 39503 23322 62825

22 1919497 39964 22861 62825

23 1879067 40430 22395 62825

24 1838165 40902 21923 62825

25 1796786 41379 21446 62825

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26 1754924 41862 20963 62825

27 1712574 42350 20475 62825

28 1669730 42844 19981 62825

29 1626386 43344 19481 62825

30 1582536 43850 18975 62825

31 1538174 44362 18463 62825

32 1493295 44879 17946 62825

33 1447892 45403 17422 62825

34 1401960 45932 16893 62825

35 1355492 46468 16357 62825

36 1308482 47010 15815 62825

37 1260923 47559 15266 62825

38 1212809 48114 14711 62825

39 1164134 48675 14150 62825

40 1114891 49243 13582 62825

41 1065074 49817 13008 62825

42 1014675 50399 12426 62825

43 963688 50987 11838 62825

44 912107 51581 11244 62825

45 859924 52183 10642 62825

46 807132 52792 10033 62825

47 753724 53408 9417 62825

48 699693 54031 8794 62825

49 645032 54661 8164 62825

50 589733 55299 7526 62825

51 533789 55944 6881 62825

52 477192 56597 6228 62825

53 419935 57257 5568 62825

54 362010 57925 4900 62825

55 303409 58601 4224 62825

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 56 244124 59285 3540 62825

57 184148 59976 2849 62825

58 123472 60676 2149 62825

59 62088 61384 1441 62825

60 0 62088 725 62813

This document is valid till 03/02/2026

Aditya Birla Capital Limited

Registered Office: Indian Rayon Compound, Veraval - 362 266, Gujarat | +91 28762 43257 | CIN: L64920GJ2007PLC058890.
Corporate Office: One World Centre, Tower 1, 18th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone
Road, Mumbai - 400 013. Tel No: 91-22-6723 9101 | [Link]@[Link] | [Link]
For customer care and other queries: [Link]@[Link] | Toll-free no.: 1800-270-7000

Terms and conditions apply. Credit at sole discretion of Aditya Birla Capital Limited (ABCL) and subject to credit appraisal,
eligibility check, rates etc. ABCL may use the services of their authorized agencies in servicing the requirements.

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