Key Fact Statement
Section 1 (Interest Rate and Fees/Charges)
(For Financing under Solar Roof Top- Digi Surya Ghar)
Applicant Name: BIKASH SAIKIA
(1). Loan Proposal / Account PNB-DSG- Type of Loan TERM LOAN
No 160326-000056
(2) Sanctioned Loan Amount (in Rupees) Rs.189000.00
(3) Disbursal schedule
(i) Stages (ii) As per extant guidelines,
(i) Disbursement in stages or 100% maximum 70% of the total project cost
upfront. will be disbursed initially and remaining
30% will be disbursed after installation of
(ii) If it is stage wise, mention the clause solar roof top. Disbursement shall be
of loan agreement having relevant details done manually by the concerned branch.
(4) Loan term (year/months/days) 60 Months (including moratorium)
(5) Moratorium 1 Months
(6) Instalment details
Type of Instalment Number of EPIs EPI (₹) Commencement of
repayment, post
sanction
MONTHLY 59 3686.00 Within 30 days from
the end of
moratorium date.
(7) Interest rate (%) and type (fixed or 5.75% FLOATING
floating or hybrid)
(8) Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final rate Reset Impact of change in the reference
rate (%) (%) (S) (%) R = periodicity¹ benchmark (for 25 bps change in ‘R’,
Benchmark (B) (B) + (S) change in:)
(Months)
B S² EPI (₹) No. of
EPIs
Repo 5.25% 0.5% 5.75% As and Markup - Once Impact of 59
Rate when in three years Decrease
Repo of 25bps
Rate Credit Risk change in
Changes Premium – As 'R' EMI:-
³ and when credit Rs3664/-.
assessment Impact of
undergoes a Increase
substantial of 25bps
change change in
'R' EMI:-
Rs. 3708.
Digitally signed by /-
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 1 of 12
(9) Fee/ Charges ⁴
Payable to Bank (A) Payable to a third party
through Bank (B)
Fees/Charges One-time ⁵ / Amount (in One-time/ Amount (in
Recurring ⁶ ₹) or Recurring ₹) or
Percentage Percentage
(%) as (%) as
applicable⁷ applicable ⁴
(i) Processing / Upfront fees NA NA NA NA
(ii) Insurance charges NA NA NA NA
(iii) Valuation fees NA NA NA NA
(iv) Any Other Charges ⁸ NA NA NA NA
a) Documentation Charges NA NA NA NA
b) Lead Bank Charges NA NA NA NA
c) Techno Economic Viability NA NA NA NA
Charges
d) Mortgage Creation Charges NA NA NA NA
e) Fee For Opening / Operating NA NA NA NA
TRA / ESCROW Account
f) Loan / Debt Syndication and NA NA NA NA
Project Appraisal Charges
g) Project Implementation & NA NA NA NA
Monitoring Fee & Security
Agency Fee
h) Credit Information Report (CIC) One Time 100/- + GST NA NA
Charges
i) NeSL Charges NA NA NA NA
j) CERSAI Charges NA NA NA NA
k) Legal Opinion / Charges NA NA NA NA
l) Vetting of Loan Documents NA NA NA NA
m) Any charges other than NA NA NA NA
prescribed above
(10) Annual Percentage Rate (APR) (%) ⁹ 5.75
(11) Details of Contingent Charges (in ₹ or %,
as applicable)
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 2 of 12
(i) Penal charges¹⁰, if The events where the account attracts levying of penal charges are
any, in case of as under:
delayed payment a) Default in repayment of loans;
b) Irregularities in Overdraft accounts;
i. In case of irregularities in OD accounts due to levy of
monthly interest or service charges or/and the outstanding balance
in the OD account is in excess of the sanctioned limit/drawing
power, the customer has to regularize the account within the time
period of 7 days. If the account is not regularized, penal charges is
to be levied from first date of default.
c) Non-submission of complete papers by the borrower for
review/renewal of credit facilities as per terms and conditions of
sanction.
d) Non-creation/perfection of Security as per Terms and
conditions of sanction;
e) Non-compliance of Terms and conditions of sanctions (other
than specified above).
6.3 Penal charges for the period of default is to be levied as under:
I. On the amount of default/irregularity
(i) For any one of trigger events stated at point no. (a) & (b)
above: 2.00% p.a.
(ii) For two or more trigger events stated at point no. (a) & (b)
above: 3.00% p.a.
II. On the total outstanding
(i) For one or more trigger events stated at point no. (c) to (e)
above: 2.00% p.a.
Note for I and II: If the trigger events are a combination of point (a)
to (b) and point (c) to (e) then penal charges shall be capped at 4%
p.a., i.e., 2% on the default/irregularity and 2% on the outstanding
amount.
(ii) Other penal charges As mentioned in point no. 11(i)
if any
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 3 of 12
(iii) Foreclosure Penal charges on pre-payment/foreclosure of loan in case of
charges¹¹, if takeover i.e. loan is prepaid by the non-individual borrower for
applicable shifting to other Bank/ FI.
1. Pre-payment charges shall be applicable @2% of the pre-
paid outstanding amount in case of Term Loans only & not to other
facilities such as Non-Fund based, Working Capital Limits,
Overdrafts etc.
2. However, no prepayment charges are to be levied in the
following cases:
(a) Floating rate term loan (Non-Business) sanctioned to
Individual Borrowers.
(b) Loans sanctioned at a fixed rate with reset clause, if the
borrower exercises his option for floating rate interest at the time of
reset.
(c) Where the loans are prepaid by the borrowers from their own
sources.
(d) Where the borrower shifts to other banks within 30 days from
the date of issuance of circular for upward revision in the spread to
be charged in his account or change in other terms of sanction.
(e) In case of upward revision in the interest rate due to reset of
benchmark rates and the borrower informs the Bank within 30 days
from the date of reset & shifts its account to other Bank within 90
days from the date of reset.
3. Non-repayment of Interest or EMI on the due date will
amount to default and may affect the CIC score.
(iv) Charges for switching 1. At the time of change (Increase/ decrease) in the benchmark
of loans from floating rate, the borrower shall have the option to move/switch over to fixed
to fixed rate and vice rate/floating rate or vice versa on equated installment-based
versa personal loans.
2. In case of Finance for installation of rooftop solar power
system maximum one switchover is permitted during the entire tenor
of the loan.
3. Switchover charges shall be @0.50% of the outstanding loan
amount or Rs. 10,000/-, whichever is lower be applied to cover the
incidental cost incurred by the Bank. GST shall be levied as
applicable in case of any change in applicable charges for switching
over to fixed rate, the same shall also be notified at the website of
the bank [Link].
(v) Any other charges NA
(please specify)
a) Commitment NA
Charges
b) Amendment in Terms NA
and Conditions of
Sanction
c) Others, if any NA
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 4 of 12
¹ Fixed reset, other than on account of changes in credit profile
² Credit risk premium may undergo change only when borrower’s credit assessment undergoes a
substantial change, as agreed upon in the loan contract. Further, other components of spread i.e.
mark up may be altered once in three years.
³In case of change in Repo Rate by RBI, the repo rate lending rate (RLLR) will be changed from
the next working day for all borrowers.
⁴ Disclose the amount net of any taxes such as GST
⁵ For standalone term loans, with sanctioned limit less than ₹2.00 Cr, only one-time upfront fees
shall be recovered.
⁶ For terms loans less than ₹2.00 Cr which are reviewed along with regular WC facility and term
loans other than retail loans with sanctioned limit of ₹2 Cr & above, annual review charges for
term loan as prescribed by the bank shall be recovered.
⁷ Mention frequency, where recurring
⁸ Specify the other charges applicable as per the bank’s prescribed schedule of charges
⁹ Refer Part B Point No. 9
¹⁰ Penal Charges shall be applicable as per Policy on Penal Charges on Advances
¹¹ Foreclosure Charges shall be applicable, as prescribed in the Policy on Penal Charges on
Advances
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 5 of 12
Key Fact Statement
Section 2 (Other Qualitative Information)
Applicant Name: BIKASH SAIKIA
Parameter Details
1. Clause of Loan 1. The rights, powers and remedies available under relevant
agreement relating to provisions of Law to the Bank in case of default of repayment of
engagement of loan by the borrower and under these presents may also be
recovery agents ¹² exercised by the Bank through Agents/Recovery agent/
Enforcement agency/BC/CBC and the Bank may engage and
delegate any or all of the said powers and authorities to said
persons.
2. Details of recovery agent /enforcement agency/BC/CBC
shall be informed to the borrower in case of engagement of the said
person by Bank while assigning their account to recovery
agents/enforcement agency.
3. The RBI guidelines /Bank extant guidelines for loan recovery
agent and process shall be adhered to by the Bank.
4. The Bank may at the risk and cost of the Borrower engage
one or more recovery agent/enforcement agency to collect the
Borrower’s outstanding and/or to enforce any security and may
furnish to such person the right and authority to perform and
execute all acts, deeds, matters and things connected therewith or
incidental thereto as the Bank thinks fit and for anything required to
be done for/ in relation to/ pursuant to the loan , including
collections, recovery of dues, getting or verifying any information of
the Borrower/ assets, and any necessary or incidental lawful acts/
deeds/ matters and things connected thereto, as the Bank may
deem fit.
5. Further, the Bank shall be entitled to forthwith take physical
possession of the assets hypothecated and/or mortgaged to the
Bank and alienate sell, transfer the said properties either by itself or
through its recovery agent/enforcement agency and sell or
otherwise deal with the same to enforce the Bank’s security and
recover the dues under relevant provisions of law.
6. The Borrower also agrees that the Bank shall have the absolute
discretion to disclose the information/data relating to the Borrower or
information in respect of the borrowal account with the Bank to Page
5 of 11 any recovery agent/s /enforcement agency/ies as the Bank
may think fit and such recovery agent/s or agency/ies shall take
appropriate steps against the Borrower for recovery of dues or
against the securities offered to the Bank.
¹² Clause 11 of PNB 639 Term Loan agreement provides the clause on “Receiver”
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 6 of 12
2. Clause of Loan There can be instances where the Borrower is not satisfied with the
agreement which services provided. To highlight such instances & register a
details grievance complaint the Borrower may follow the following process:
redressal mechanism a) Borrower can meet or write to the Branch Head of the
concerned branch or
b) The Borrower can complain to customer care through our
website: [Link] or email at care@[Link] or through
Internet Banking/ Mobile Banking or on toll free number.
c) In case the grievance remains unresolved beyond a period
of 15 days, the borrower may escalate the matter to Principal Nodal
Officer, Punjab National Bank, Customer Care Division, Head
Office, Sector 10 Dwarka, New Delhi 110075.
3. Phone number and Email Id : jasveer.singh1@[Link]
email id of the nodal Tel. No. : 011-28044720
grievance redressal Mobile No. : 8865947766
officer¹³
4. Whether the loan is, YES
or in future may be,
subject to transfer to
other Bank/FI or
securitisation (Yes/
No)
5. In case of lending
under collaborative
lending
arrangements (e.g.,
co-lending/
outsourcing),
following additional
details may be
furnished:
(i). Name of the NA
originating Bank/FI,
along with its funding
proportion
(ii). Name of the partner NA
Bank/FI along with its
proportion of funding
(iii). Blended rate of NA
interest
6. In case of digital
loans, following
specific disclosures
may be furnished
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 7 of 12
(i). Cooling off/look-up 3 DAYS
period, in terms of
Bank’s board
approved policy,
during which
borrower shall not be
charged any penalty
on prepayment of
loan
(ii). Details of LSP acting NA
as recovery agent
and authorized to
approach the
borrower
This Key Fact Statement (KFS) shall form part of the loan documents to be
executed in pursuance to sanction letter dated 17-03-2026.
Date: 17-03-2026
For Punjab National Bank
Place: GHILAMARA Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03 +05:30
Authorized Signatory:
Section 3 (Acknowledgement & Acceptance)
I acknowledge that the contents of KFS have been explained to me by the
Branch and I have understood the same.
Further, I hereby accept the KFS along with the computation of APR and Amortization
schedule.
Date:17-03-2026
Place:GHILAMARA
Borrower’s Name & Signature: BIKASH SAIKIA [ Digitally Accepted Through OTP ]17-03-2026
10:51:59
Address: C/O NITYA SAIKIAVILL MAJ GOAN
Mobile No. :8876693160
Page 8 of 12
Key Fact Statement
ANNEXURE I
(Part-B)
Computation of APR for Digi Surya Ghar
Parameter Details
1. Sanctioned Loan amount (in Rupees) (Sl no. 2 of the Rupees 189000.00 /-
KFS template – Part 1 of Annexure I)
2. Loan Term (in years/ months/ days) (Sl No.4 of the KFS 60 Months
template – Part 1 of Annexure I)
a) No. of instalments for payment of principal, in case of NA
non-equated periodic loan
b) Type of EPI Monthly (EMI)
, Amount of each EPI (in Rupees), and ₹3686.00/-
No. of EPIs (e.g., no. of EMIs in case of monthly 59
instalments)
(Sl No. 5 of the KFS template – Part 1 )
c) No. of instalments for payment of capitalised interest, if NA
any
d) Commencement of repayments, post sanction (Sl No. 5 Within 30 days from the end of
of the KFS template – Part 1 of Annexure I) moratorium date
3. Interest rate type (fixed or floating or hybrid) (Sl No. 6 of FLOATING
the KFS template – Part 1 of Annexure I)
4. Rate of Interest (Sl No. 6 of the KFS template – Part 1 of 5.75%
Annexure I)
5. Total Interest Amount to be charged during the entire 29352.00
tenor of the loan as per the rate prevailing on sanction
date (in Rupees)
6. Fee/ Charges payable¹⁴ (in Rupees) 118
A. Payable to the Bank (Sl No.8A of the KFS template-Part Rs. 100
1 of Annexure I)
B. Payable to third-party routed through Bank (Sl No.8B of NA
the KFS template – Part 1 of Annexure I)
7. Net disbursed amount (1-6) (in Rupees) Rs.188882.00/-
8. Total amount to be paid by the borrower (sum of 1 and 218352.00
5) (in Rupees)
9. Annual Percentage Rate- Effective annualized interest 5.75 %
rate (in percentage )¹⁵ (Sl No.9 of the KFS template-Part
1 of Annexure I)
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 9 of 12
10. Schedule of disbursement as per terms and conditions As per extant guidelines,
maximum 70% of the total
project cost will be disbursed
initially and remaining 30% will
be disbursed after installation of
solar roof top. Disbursement
shall be done manually by the
concerned branch.
11. Due date of payment of instalment and interest Within 30 days from the end of
moratorium date
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 10 of 12
ANNEXURE I
(Part-C)
Amortization Schedule
installment
No. Outstanding Principal (in Interest (in Installment (in
Principal (in Rupees.) Rupeess.) Rupees)
Rupees.)
1 189000 0 906 906
2 189000 2780 906 3686
3 186220 2793 893 3686
4 183427 2807 879 3686
5 180620 2820 866 3686
6 177800 2834 852 3686
7 174966 2847 839 3686
8 172119 2861 825 3686
9 169258 2874 812 3686
10 166384 2888 798 3686
11 163496 2902 784 3686
12 160594 2916 770 3686
13 157678 2930 756 3686
14 154748 2944 742 3686
15 151804 2958 728 3686
16 148846 2972 714 3686
17 145874 2987 699 3686
18 142887 3001 685 3686
19 139886 3015 671 3686
20 136871 3030 656 3686
21 133841 3044 642 3686
22 130797 3059 627 3686
23 127738 3073 613 3686
24 124665 3088 598 3686
25 121577 3103 583 3686
26 118474 3118 568 3686
27 115356 3133 553 3686
28 112223 3148 538 3686
29 109075 3163 523 3686
30 105912 3178 508 3686
31 102734 3193 493 3686
32 99541 3209 477 3686
33 96332 3224 462 3686
34 93108 3239 447 3686
35 89869 3255 431 3686
36 86614 3270 416 3686
37 83344 3286 400 3686
38 80058 3302 384 3686
Digitally signed by 39 76756 3318 368 3686
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 11 of 12
40 73438 3334 352 3686
41 70104 3350 336 3686
42 66754 3366 320 3686
43 63388 3382 304 3686
44 60006 3398 288 3686
45 56608 3414 272 3686
46 53194 3431 255 3686
47 49763 3447 239 3686
48 46316 3464 222 3686
49 42852 3480 206 3686
50 39372 3497 189 3686
51 35875 3514 172 3686
52 32361 3530 156 3686
53 28831 3547 139 3686
54 25284 3564 122 3686
55 21720 3581 105 3686
56 18139 3599 87 3686
57 14540 3616 70 3686
58 10924 3633 53 3686
59 7291 3651 35 3686
60 3640 3668 18 3686
Digitally signed by
PNB_digisolarrooftop
Date: 2026.03.17 10:52:03
+05:30
Page 12 of 12