General Details
1 Date of KFS (T) 11/09/2025
2 Name of Regulated Tata Capital Limited (TCL)
Entity (RE)/ Lender
3 KFS Validity T + 3 Working Days
4 Details of the a) Name of Borrower VIJAYALAKSHMI VIJAYALAKSHMI
Borrower/s and Co-
b) Constitution Individual
Borrower/s
c) Address KARTHIK ILLAM 6TH CROSS BEHIND SRI SANEESHWARA TEMPLE GOKUL EXTN DEVASANDRA K R PURAM
BANGALORE NORTHBengaluruKarnataka560036
a) Name of Co-
Borrower
b) Constitution
c) Address
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ Type of Loan
account No. / Unique 485PZ8887976_1109_1718 Personal Loan
Proposal Number
2 Sanctioned Loan
Rs. 640411
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
60 months
(year/months/days)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of Repayment, post sanction
Monthly 60 Rs. 17684 03/10/2025
6 Interest rate (%) per Interest Type (fixed
annum 21.99 % 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.15755 NA NA
(ii) Insurance charges
a) Life Insurance
NA NA One-time Rs. 3642
Premium
b) General Insurance
NA NA NA NA
Premium
c) Health Insurance
NA NA NA NA
Premium
(iii) Valuation fees
NA NA NA NA
(iv) Any other
a) Stamp Duty Rs. 500
NA NA One-time
b) Broken Period
NA NA NA NA
Interest*
c) One Assist Plan
NA NA NA NA
Amount
d) IHO Plan Amount
NA NA NA NA
e) CPP Plan Amount NA NA NA NA
f) TATA AIG 360 Amount NA NA One-time Rs. 5011
g) Annual Maintenance Recurring AMC Charges
Charges for PL on 13th Month
(Dropline Facility) ** Recurring
NA to be populated NA
NA NA
here*(NA for
Term Loan)
h) Documentation One-Time
One-time
NA NA NA NA
Charges
9 Annual Percentage
24.07 %
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.
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 Agreement/Terms
recovery agents 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 redressal Please refer to the Clause 11(e)/ 11(d) in the Specific Agreement/
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 redressal Name Ms. Francyna Dias
officer Phone No 18602676060
Email ID seniorcroretail@[Link]
4 Whether the loan is, or in future maybe, subject to transfer
Yes
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 Name of the partner RE along with its proportion of Blended rate of interest
its funding proportion 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
NA
to approach the borrower
Notes:
• 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.
• For the APR, please refer the calculation of APR given below.
• 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 If Hybrid Term Loan Facility, then
Facility a) Maximum Credit Facility Rs. /-
Opted
(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 on the frequency specified in (c) above: Maximum Credit Facility:Rs.
Remaining Tenure:
Annex B
Computation of APR
Sr. Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS –
Rs. 640411
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS –
60 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. 17684
Nos. of EPIs (Sl No. 5 of the KFS – Part 1) 60
c) No. of instalments for payment of capitalised interest, if
NA
any
d) Commencement of repayments, post sanction (Sl No. 5 of
03/10/2025
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)
21.99 %
5 Total Interest Amount to be charged during the entire
tenor of the loan as per the rate prevailing on sanction Rs. 411470
date (in Rupees)
6 Fee/ Charges payable (in Rupees)
Rs. 29302
A Payable to TCL (Sl No.8A of the KFS -Part 1)
Rs. 15755
B Payable to third-party routed through TCL (Sl No.8B of the
Rs. 9153
KFS – Part 1)
C Total GST on all the fees and charges
Rs. 4394
7 Net disbursed amount (1-6) (in Rupees)
Rs. 611109
8 Total amount to be paid by the borrower (sum of 1 and 5)
Rs. 1051881
(in Rupees)
9 Annual Percentage rate- Effective annualized interest rate
(in percentage) (Sl No.9 of the KFS -Part 1) 24.07 %
10 Schedule of disbursement as per terms and conditions
NA
11 Due date of payment of instalment and interest 3rd of every month
Personal Loan Term & Hybrid Term Loan Agreement
Annex C
Repayment Schedule
Outstanding
Installment Principal(in Interest(in Installment(in
Due Date Principal(in
No. Rupees) Rupees) Rupees)
Rupees)
1 03/10/2025 640,411 9,078 8,606 17,684
2 03/11/2025 631,333 6,115 11,569 17,684
3 03/12/2025 625,218 6,227 11,457 17,684
4 03/01/2026 618,991 6,341 11,343 17,684
5 03/02/2026 612,650 6,457 11,227 17,684
6 03/03/2026 606,193 6,576 11,108 17,684
7 03/04/2026 599,617 6,696 10,988 17,684
8 03/05/2026 592,921 6,819 10,865 17,684
9 03/06/2026 586,102 6,944 10,740 17,684
10 03/07/2026 579,158 7,071 10,613 17,684
11 03/08/2026 572,087 7,201 10,483 17,684
12 03/09/2026 564,886 7,332 10,352 17,684
13 03/10/2026 557,554 7,467 10,217 17,684
14 03/11/2026 550,087 7,604 10,080 17,684
15 03/12/2026 542,483 7,743 9,941 17,684
16 03/01/2027 534,740 7,885 9,799 17,684
17 03/02/2027 526,855 8,029 9,655 17,684
18 03/03/2027 518,826 8,177 9,507 17,684
19 03/04/2027 510,649 8,326 9,358 17,684
20 03/05/2027 502,323 8,479 9,205 17,684
21 03/06/2027 493,844 8,634 9,050 17,684
22 03/07/2027 485,210 8,793 8,891 17,684
23 03/08/2027 476,417 8,954 8,730 17,684
24 03/09/2027 467,463 9,118 8,566 17,684
25 03/10/2027 458,345 9,285 8,399 17,684
26 03/11/2027 449,060 9,455 8,229 17,684
27 03/12/2027 439,605 9,628 8,056 17,684
28 03/01/2028 429,977 9,805 7,879 17,684
29 03/02/2028 420,172 9,984 7,700 17,684
30 03/03/2028 410,188 10,167 7,517 17,684
31 03/04/2028 400,021 10,354 7,330 17,684
32 03/05/2028 389,667 10,543 7,141 17,684
33 03/06/2028 379,124 10,737 6,947 17,684
34 03/07/2028 368,387 10,933 6,751 17,684
35 03/08/2028 357,454 11,134 6,550 17,684
36 03/09/2028 346,320 11,338 6,346 17,684
37 03/10/2028 334,982 11,545 6,139 17,684
38 03/11/2028 323,437 11,757 5,927 17,684
39 03/12/2028 311,680 11,972 5,712 17,684
40 03/01/2029 299,708 12,192 5,492 17,684
41 03/02/2029 287,516 12,415 5,269 17,684
42 03/03/2029 275,101 12,643 5,041 17,684
43 03/04/2029 262,458 12,874 4,810 17,684
44 03/05/2029 249,584 13,110 4,574 17,684
45 03/06/2029 236,474 13,351 4,333 17,684
46 03/07/2029 223,123 13,595 4,089 17,684
47 03/08/2029 209,528 13,844 3,840 17,684
48 03/09/2029 195,684 14,098 3,586 17,684
49 03/10/2029 181,586 14,356 3,328 17,684
Personal Loan Term & Hybrid Term Loan Agreement
50 03/11/2029 167,230 14,620 3,064 17,684
51 03/12/2029 152,610 14,887 2,797 17,684
52 03/01/2030 137,723 15,160 2,524 17,684
53 03/02/2030 122,563 15,438 2,246 17,684
54 03/03/2030 107,125 15,721 1,963 17,684
55 03/04/2030 91,404 16,009 1,675 17,684
56 03/05/2030 75,395 16,302 1,382 17,684
57 03/06/2030 59,093 16,601 1,083 17,684
58 03/07/2030 42,492 16,905 779 17,684
59 03/08/2030 25,587 17,215 469 17,684
60 03/09/2030 8,372 8,372 153 8,525
Total 640,411 411,470 1,051,881
Note:
The Repayment Schedule and its figures and calculation are as on 11/09/2025 and may
vary based on the applicable date of disbursement. I confirm that I have thoroughly read
and understood the Key Facts Statement
VIJAYALAKSHMI VIJAYALAKSHMI
Borrower Co-Borrower