LoanANNEXURE 1

Details Section

Part A

Loan details
1 Place of Execution Mumbai
2 Date of execution 09/03/2026
3 Name of Regulated Tata Capital Limited (TCL)
Entity (RE)/ Lender
4 Details of the a) Name of Borrower Mandeep Singh
Borrower/s and Co-
b) Constitution Individual
Borrower/s
c) Address H-no 36 Upkar Nagar, Dukh NIwaran Gurdwara Sahib Patiala Patiala Pun
jab 147001
a) Name of Co-
Borrower
b) Constitution
c) Address

5 Purpose Personal Use

6 Moratorium period
(if any)
7 Place of Arbitration Delhi / Kolkata / Chennai / Kochi
(Tick, whichever is
applicable)
8 Jurisdiction Delhi / Kolkata / Chennai / Kochi
(Tick, whichever is
applicable)
9 Timelines Sr. No Conditions Timelines
(a) End use certificate shall be provided by the Obligors to the Within 30 days from intimation
Lender from the Lender
(b) Fresh Payment Instruments shall be delivered by the Obligors Within 7 days
to the Lender
(c) TDS certificate in the Form No. 16A of the IT Act downloaded Within 45 days from the end of
from the TDS Reconciliation Analysis and Correction Enabling the relevant quarter in which tax
System (“TRACES”) website shall be provided by the Obligors is deducted and within 75 days
to the Lender from the end of the last quarter
of the financial year
(d) An amount equivalent to the TDS amount paid by the Within 90 days
Obligors shall be refunded to the Borrower by the Lender
upon receipt of the TDS certificate and subject to compliance
with the conditions stipulated in the relevant provision of the
T&Cs.
(e) TDS refund claim will not be entertained by the Lender. After the 30 days of the
succeeding financial year
(f) Credit of the TDS amount may be requested by the Obligors Not later than 60 days of the
by furnishing of the TDS certificate succeeding financial year
10 Other Terms and In case the dues accrued for the month have not been paid by the due date of the succeeding calendar
Conditions month, the Lender shall be entitled to withhold/ cancel fresh drawdown made by the Borrower of any
amount under the Facility until the Borrower pays the entire dues. Further, in case the dues are unpaid till
39 days after the due date, the Borrower will be required to submit 6 months bank statement procured post
making payment of the dues to the Lender, to evaluate the Borrower’s request for further drawdown. Any
such further disbursal shall be at the sole discretion of the Lender
11 IP Address [Link]:60019
12 Date and Time Stamp 09-03-2026 11:53:14

Terms and Conditions- PL-202505016-Version6

Specific Agreement-PL-20250516-Version6
 Part B

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ Type of Loan
account No. / Unique 732PZ8618919_0903_1153 Personal Loan
Proposal Number
2 Sanctioned Loan
Rs. 150000
amount (in Rupees)
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
4 Loan Term
36 months
(year/months/days)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of Repayment, post sanction

Monthly 36 5423 03/04/2026

6 Interest rate (%) per Interest Type (fixed
annum 18.0% or floating or Fixed
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) (S) Final rate (%) R Reset Impact of change in the reference benchmark (for
Benchmark rate (%) (B) = (B) + (S) periodicity 25 bps change in ‘R’, change in:)
(Months)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL (A) Payable to a third party through TCL (B)
One-time/ Amount (in ₹) One-time/ Recurring Amount (in ₹) or Percentage
Recurring or Percentage (%) as applicable
(%) as
applicable
(i) Processing fees One-time Rs. 3000 NA NA
(ii) Insurance charges
a) Life Insurance
NA NA One-time
Premium
b) General Insurance
NA NA One-time
Premium
c) Health Insurance
NA NA One-time
Premium
(iii) Valuation fees
NA NA NA NA
(iv) Any other
a) Stamp Duty
NA NA One-time Rs. 200
b) Broken Period
One-time Rs. 0 NA NA
Interest*
c) One Assist Plan
NA NA One-time Rs. 0
Amount
d) IHO Plan Amount
NA NA One-time Rs. 0
e) CPP Plan Amount NA NA One-time Rs. 0

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 f) TATA AIG 360 Amount NA NA One-time
g) Annual Maintenance Recurring AMC Charges
Charges for PL on 13th Month
(Dropline Facility) ** NA to be populated NA
NA NA
here*(NA for
Term Loan)
h) Documentation One-Time
NA NA NA NA
Charges
9 Annual Percentage
19.62 %
Rate (APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, For default in payment of interest and/ or principal amounts – 3% per month on defaulted amount
in case of delayed (Annualized Penal Charge of 36%)
payment
(ii) Other penal charges, if
any
a) For Dishonour of
Cheque/ Payment Rs. 600/- per instrument per instance
Instrument/ Mandate
b) For Mandate Rejection Rs. 450/-
(Charges will be levied if new mandate form is not registered within 30 days from the date of rejection of
previous mandate form by Borrower’s bank for any reasons whatsoever.)
(iii) Foreclosure charges, if Foreclosure charges on Term Loan Facility:
applicable a) Within 12 months of the date of first disbursement - 6.5% on the principal outstanding at the time of
foreclosure
b) After 12 months of the date of first disbursement - 4.5% on the principal outstanding at the time of
foreclosure
Foreclosure Charges in Dropline Facility:
a) Within 12 months of the date of first disbursement - 6.5% on the dropped down facility amount at
the time of foreclosure
b) After 12 months of the date of first disbursement - 4.5% on the dropped down facility amount at the
time of foreclosure
Part Prepayment:
a) No part prepayment charges shall be applicable on payment of up to 25% of disbursed Loan Amount
during the entire loan tenure.
b) Within 12 months of the first disbursement - 6.5% of the part prepayment amount
c) After 12 months of the first disbursement - 4.5% of the part prepayment amount
d) For part prepayment on Dropline Facility (Hybrid Term Loan), part prepayment charges as mentioned
in (b) and (c) above will be applicable only if the facility amount is reduced.
(iv) Charges for switching
of loans from floating
NA
to fixed rate and vice
versa
(v) Any other charges
a) Cancellation Charges 2% of the Loan Amount/ Facility amount OR
Rs. 5750/-
Whichever is higher
b) Statement of Account Customer Portal – Nil
(SOA) Branch walk-in – Rs. 250/-
c) Switch Fee (Without Principal Outstanding of upto 2 lac - Rs. 500/-
Top Up) Principal Outstanding greater than 2 lac - Rs. 1000/-
d)

*Broken Period Interest (BPI) – BPI will not be a deduction from the loan amount disbursed to the customer and, therefore, will not be considered
for computing the Net disbursed amount (Serial No. 7 of the template on ‘Computation of APR’). However, the BPI will be considered for Computation
of APR.

** Annual Maintenance Charges for PL (Dropline Facility): 0.25% on Dropline amount or Rs.1000, (whichever is higher); the said charges will be
levied in the month immediately following a 12 month period (e.g. 13th , 25th , 37th month, etc. till the end of the loan tenure) and the same will be
collected along with the EPI for the respective month.
Annual Maintenance charge will not be a deduction from the loan amount disbursed to the customer and, therefore, will not be considered for
computing the Net disbursed amount (Serial No. 7 of the template on ‘Computation of APR’). However, the same will be considered for Computation
of APR.

TermsAgreement-PL-20250516-Version6
Specific and Conditions- PL-202505016-Version6
 Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of Please refer to the Clause 11(d)/11(c) in the Specific
recovery agents Agreement/Terms and Conditions respectively, as applicable.
“The Lender may utilize the services of recovery/ collection agents
for collection of amounts in relation to the Facility.”
2 Clause of Loan agreement which details grievance Please refer to the Clause 11(e)/ 11(d) in the Specific Agreement/
redressal mechanism Terms and Conditions respectively, as applicable.

“The Obligors may follow the below grievance redressal procedure

in case of any grievances pertaining to their loan facility:
a. Level 1: To redress their grievances, the Obligors may write to
customercare@[Link] or call on the customer care
number 1860 267 6060. The Obligors will receive an
acknowledgment/response within 2 business days of receiving their
communication.

b. Level 2: If the Obligors are not satisfied with the resolution

provided after approaching Level 1, they may enter their level 1
complaint number in the box provided on the website and submit.
This will trigger a message to Customer Redressal Officer who will
help in resolving your concern within 7 business days of the
message.

c. Level 3: If the Obligors are still not satisfied with the resolution
provided after contacting the officials as specified in Level 1 and
Level 2, the Obligors are requested to kindly enter the level 1
complaint number in the box provided on the website and submit.
This will trigger a message to Chief Customer Redressal Officer who
will help in resolving the concern. The Obligors will receive a
resolution within 3 business days.

d. In case the Obligors’ complaint has not been addressed to their

satisfaction after following all the above steps, they can approach
banking RBI Ombudsman through the link below.

Link: [Link]
3 Phone number and email id of the nodal grievance Name Ms. Francyna Dias
redressal officer Phone No 18602676060
Email ID seniorcroretail@[Link]

4 Whether the loan is, or in future maybe, subject to

Yes
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 Name of the partner RE along with its proportion Blended rate of interest
with its funding 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 board
approved policy, during which borrower shall not be 3 days from the date of loan disbursal
charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and
authorized to approach the borrower NA

Notes:

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Specific Agreement-PL-20250516-Version6
  The amounts are net of taxes such as GST, etc.
 GST, other Government taxes and levies as applicable, will be payable on all fees and charges in this document.
 Broken Period Interest amount and 1st EMI date depend on the Disbursement Date and the final figures would be mentioned
in the Welcome Letter.
 The 1st due date depends on the disbursement date and the same would be mentioned in the Welcome Letter.
 Interest for the Broken period (BPI)/ Pre-Monthly Instalment Interest (PMII) would be collected as a part of the Interest portion
of the first EMI and the differential amount of EMI would be collected at the end of the tenure.
 For the purpose of APR calculation and Repayment Schedule, it has been assumed that the credit facility has been disbursed
and fully drawn down on first day of the month in which the credit facility has been sanctioned. The actual interest will be
computed from the date of disbursement based on the extent of utilisation of the credit facility.
 Hybrid Term Loan/ Dropline Facility:
o Disbursement would be post deduction of processing fee, insurance charges and any other applicable charges.
o Under this facility, the customer is required to pay interest on the amount utilized for the first 12 months (or as may
be applicable). Drop Down will start from the 13th month (or as may be applicable) onwards. The principal due
amount as applicable along with the interest on the amount utilized would be repaid by the Borrower/s on the due
date as applicable of every month.
 Any revision in charges shall be updated by the Lender on its website ([Link]) or otherwise intimated to the
Borrowers.

Additional Details about the Facility

Type of Facility Opted If Hybrid Term Loan Facility, then
a) Maximum Credit Facility Rs. /-
(Rupees )
b)  Dropline Facility

 Flexi Facility (Combination of Fixedline + Dropline) of which Fixedline tenure of

months.
c) Frequency at which the Maximum Credit Facility shall be reduced: Monthly
d) Amount by which Maximum Credit Facility shall be reduced Maximum Credit Facility: Rs.
on the frequency specified in (c) above: Remaining Tenure:

Privacy Policy:
Please refer to the privacy policy on:
[Link]

LSP Details: Please click on the link below.

[Link]

Deepak aggarwal Mandeep Singh

Authorised Signatory /ies Borrower’s Signature Co-Borrower’s Signature

Specific Agreement-PL-20250516-Version6
Terms and Conditions- PL-202505016-Version6
 Annex B

Computation of APR

Sr. Parameter Details

No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS –
Rs. 150000
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS –
36 months
Part 1)
a) No. of instalments for payment of principal, in case of
NA
non-equated periodic loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and Rs. 5423
Nos. of EPIs (Sl No. 5 of the KFS – Part 1) 36
c) No. of instalments for payment of capitalised interest, if
NA
any
d) Commencement of repayments, post sanction (Sl No. 5 of
03/04/2026
the KFS – Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of
Fixed
the KFS – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1)
18.0 %
5 Total Interest Amount to be charged during the entire
tenor of the loan as per the rate prevailing on sanction Rs. 44462
date (in Rupees)
6 Fee/ Charges payable (in Rupees)
Rs. 3740
A Payable to TCL (Sl No.8A of the KFS -Part 1)
Rs. 3000
B Payable to third-party routed through TCL (Sl No.8B of the
Rs. 200
KFS – Part 1)
C Total GST on all the fees and charges
Rs. 540
7 Net disbursed amount (1-6) (in Rupees)
Rs. 146260
8 Total amount to be paid by the borrower (sum of 1 and 5)
Rs. 194462
(in Rupees)
9 Annual Percentage rate- Effective annualized interest rate
19.62%
(in percentage) (Sl No.9 of the KFS -Part 1)
10 Schedule of disbursement as per terms and conditions
NA
11 Due date of payment of instalment and interest 3rd of every month
 Repayment Schedule

Outstanding
Installment Principal(in Interest(in Installment(in
Due Date Principal(in
No. Rupees) Rupees) Rupees)
Rupees)
1 03/04/2026 150,000 3,623 1,800 5,423
2 03/05/2026 146,377 3,227 2,196 5,423
3 03/06/2026 143,150 3,276 2,147 5,423
4 03/07/2026 139,874 3,325 2,098 5,423
5 03/08/2026 136,549 3,375 2,048 5,423
6 03/09/2026 133,174 3,425 1,998 5,423
7 03/10/2026 129,749 3,477 1,946 5,423
8 03/11/2026 126,272 3,529 1,894 5,423
9 03/12/2026 122,743 3,582 1,841 5,423
10 03/01/2027 119,161 3,636 1,787 5,423
11 03/02/2027 115,525 3,690 1,733 5,423
12 03/03/2027 111,835 3,745 1,678 5,423
13 03/04/2027 108,090 3,802 1,621 5,423
14 03/05/2027 104,288 3,859 1,564 5,423
15 03/06/2027 100,429 3,917 1,506 5,423
16 03/07/2027 96,512 3,975 1,448 5,423
17 03/08/2027 92,537 4,035 1,388 5,423
18 03/09/2027 88,502 4,095 1,328 5,423
19 03/10/2027 84,407 4,157 1,266 5,423
20 03/11/2027 80,250 4,219 1,204 5,423
21 03/12/2027 76,031 4,283 1,140 5,423
22 03/01/2028 71,748 4,347 1,076 5,423
23 03/02/2028 67,401 4,412 1,011 5,423
24 03/03/2028 62,989 4,478 945 5,423
25 03/04/2028 58,511 4,545 878 5,423
26 03/05/2028 53,966 4,614 809 5,423
27 03/06/2028 49,352 4,683 740 5,423
28 03/07/2028 44,669 4,753 670 5,423
29 03/08/2028 39,916 4,824 599 5,423
30 03/09/2028 35,092 4,897 526 5,423
31 03/10/2028 30,195 4,970 453 5,423
32 03/11/2028 25,225 5,045 378 5,423
33 03/12/2028 20,180 5,120 303 5,423
34 03/01/2029 15,060 5,197 226 5,423
35 03/02/2029 9,863 5,275 148 5,423
36 03/03/2029 4,588 4,588 69 4,657
Total 150,000 44,462 194,462
Note:

The Repayment Schedule and its figures and calculation are as on 09/03/2026 and may

vary based on the applicable date of disbursement. I confirm that I have thoroughly read

and understood the Key Facts Statement

Mandeep Singh

Borrower Co-Borrower