TVS CREDIT SERVICES LIMITED

Annex A
KEY FACTS STATEMENT - Valid till 30/05/2026
Part 1 (Interest
SANCTION LETTERrate
CUMand fees/charges)
LOAN TERM SHEET

1 Loan proposal/ account No. 3068EC0047055 Type of Loan Ecom

2 Sanctioned Loan amount (in Rupees) 8584
Disbursal schedule
100% Upfront
3 (i) Disbursement in stages or 100% upfront.
(ii) If it is stage wise, mention the clause of loan agreement having relevant details

4 Loan term (year/months/days) 6

5 Sanctioned
Instalment
Part 1Loan Loan
rateamount
details
(Interest
term
1 (in Rupees)
and fees/charges)

Type of instalments Number of EPIs EPI(in Rupees) Commencement of repayment, post sanction

Monthly 6 Refer Installment Amount in Annex C 41 Days (03/07/2026)

6 Interest rate (%) and type (fixed or floating or hybrid) 22.03% (Fixed)
7 Additional Information in case of Floating rate of interest

Other up- Final rate (%) R Reset periodicity (Months) Impact of change in the reference
Reference Benchmark Spread (%) (S)
= (B) + (S) benchmark
Benchmark rate (%) (B)
B S EPI (in Rupees) No. of EPIs

NA NA NA NA NA NA NA NA
8 Fee/ Charges (Inclusive of Applicable Taxes) 0

Payable to TVS Credit Services Limited (A) Payable to a third party through TVS
Credit Services Limited (B)
One-time/ Recurring Amount (in Rupees) or Percentage (%) as One-time/ Amount (in Rupees)
applicable Recurring or Percentage (%) as
applicable

i Processing fees One-Time Rs. 304 will be collected along with 1st EMI - -
ii Enrollment Fee One-Time Rs. 0 - -
iii E-Com Transaction Fee One-Time Rs. 0 - -
iv Mandate Registration Charges One-Time Rs. 0 - -
v VAS Charges - One-Time - One-Time Rs.0
T-Health
vi
9 Annual Percentage Rate (APR) (%) (Excluding Applicable Taxes) 2
31.53%
10 Details of Contingent Charges (in Rs. or %, as applicable) (Inclusive of Applicable Taxes)
i Penal charges (Exclusive of GST) 36% per annum on unpaid installment
ii Foreclosure charges Nil
iii iiI Bounce Charges Rs.500
iv ACH Failure Charges Rs.500
v Cash Collection / Visit Charges Rs.100 per visit
vi Duplicate NDC/NOC charges Rs.250

vivii Duplicate Repayment Schedule - hard copy Rs.250

 TVS CREDIT SERVICES LIMITED

viii Legal, Repossession & Incidental Charges At Actuals

ix InstaCard Program Annual Fee Rs.117
x Mandate Rejection Charges Rs.500
xi Statement of Accounts - hard copy Rs.250
Upto 60days : Nil
xii Loan cancellation charges
After 60 days: Rs.1000+Broken period interest

xiii Foreclosure Statement Charges - hard copy Rs.500

xiv Loan Cancellation & Loan Re-Booking Charges Nil
xv Physical Card Issuance Rs.117
xvi Swap Charges Rs.500

1
The given Details of Instalments i.e., the amount of EPI/EMI and date of Commencement of repayment are for illustrative purposes only. The actual
Details of Instalments shall be in accordance with the final repayment schedule which shall be communicated to the Borrower in writing along with the
final KFS. The registered address and/or mobile number of the Borrower as captured in the application form and other loan documents such as sanction
letter and loan agreement shall be used for such sending such communication.
2
The above computation for APR is for illustrative purposes only. The final APR shall be computed basis the date of actual disbursement of the
sanctioned loan amount. Upon actual disbursement of the sanctioned loan amount, the final KFS containing the final APR shall be communicated to the
Borrower in writing. The registered address and/or mobile number of the Borrower as captured in the application form and other loan documents such
as sanction letter and loan agreement shall be used for such sending such communication.

Part 2 (Other qualitative information)

Clause of Loan 2.31 The Lender/TVS Credit/Company shall, without prejudice to its rights to perform such activities itself or
agreement relating to through its office employees, be entitled to appoint one or more person(s) (“Service Providers”) as the
1 engagement of recovery Lender/TVS Credit/Company may select and to delegate to such party all or any of its functions, rights and
agents powers under the Transaction Documents including the rights and authority to receive on behalf of the
Lender/TVS Credit/Company from the Borrowers all outstanding dues under the loan agreement by engaging
recovery agents and to perform and execute all lawful acts, deeds, matters and things connected therewith
and incidental thereto. The Borrowers expressly and irrevocably consent that for any claim against the Service
Providers, the Lender/TVS Credit/Company shall not be liable and the claim of the Borrowers on this account
shall be against the Service Providers only.
Clause of Loan 2.32 The Lender/TVS Credit/Company shall be accountable for any inappropriate behavior by its employees or
2 agreement which details employees of its Service Providers. In the event the Borrower is aggrieved by the behaviour or acts of any
grievance redressal employees of its Service Providers then the Borrower may lodge its grievance with: Grievance Redressal
mechanism Officer appointed as the Grievance Redressal Officer (GRO) under the Fair Practices Code and digital lending
guidelines issued on 02.09.2022 who can be approached by the public for resolution of complaints against the
Lender/TVS Credit/Company. The Borrower may lodge a complaint by sending an email at gro@[Link].
If the complaint / dispute is not redressed within a period of one month, the customer may appeal to the
Officer-in-Charge of the Regional Office of Department of Non-Banking Supervision (DNBS), Reserve Bank of
India, Fort Glacis, Rajaji Salai, Chennai 600 001, Tamil Nadu, Tel: 044 25393406, under whose jurisdiction the
registered office of the Lender/TVS Credit/Company falls. For the benefit of the Borrower, the above
information on “grievances” will be displayed at the Lender/TVS Credit/Company’s branches / places where
business is transacted.

Phone number and Email: gro@[Link]

3 Mobile: 7305963580
email id of the nodal
grievance redressal Flipkart Advanz Grievance Redressal Officer details:
Email : grievances@[Link]
Customer Care Number: 1800 202 9898
4 Whether the loan is, or in future maybe, subject to transfer to other REs or securitisation (Yes/ No) YES

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 interest
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 NA
15 days
charged any penalty on prepayment of loan

(ii) Details of LSP acting as recovery agent and authorized to approach [Link]
the borrower Details_V4-[Link]
 TVS CREDIT SERVICES LIMITED

Annex-B
Computation of APR

Sr.
Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS – 8584
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS – Part 1) 6
a) No. of instalments for payment of principal, in case of non- NA
equated periodic loans
Type of EPI Monthly

b) Amount of each EPI (in Rupees) and Refer Installment Amount in Annex C

Nos. of EPIs (Sl No. 5 of the KFS – Part 1) 6

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

d) Commencement of repayments, post sanction (Sl No. 5 of the 41 Days (03/07/2026)
1

KFS – Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the Fixed
KFS – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1) 22.03% (Fixed)
Total Interest Amount to be charged during the entire tenor of
5 the loan as per the rate prevailing on sanction date (in 619
Rupees)
6 Fee/ Charges payable (in Rupees) 0
Note: Excluding Processing fees of Rs. 304
which will be collected along with first EMI
Payable to TVS Credit Services Limited (Sl No.8A of the
6a Legal, Repossession & Incidental Charges 0
KFS-Part 1) (In Rupees)
6b Payable to third-party routed through TVS Credit Services 0
Limited (Sl No.8B of the KFS-Part 1) (In Rupees)
7 Net disbursed amount (1-6) (in Rupees) 8584
8 Total amount
Enrollment Fee
to be paid by the borrower (sum of 1 and 5) (in 9203
Rupees)
9 Foreclosure Chargesrate2 - Effective annualized interest rate
Annual Percentage Nil31.53%
(in percentage)3 (Sl No.9 of the KFS-Part 1)
10 Schedule of disbursement as per terms and conditions 100% Upfront
4
11 Due date of payment of instalment and interest 03/07/2026 to 03/12/2026 (3rd of every month)

1
The given date of Commencement of repayment is for illustrative purposes only. The actual details of date of Commencement of repayment
shall be in accordance with the final repayment schedule which shall be communicated to the Borrower in writing along with the final KFS. The
registered address and/or mobile number of the Borrower as captured in the application form and other loan documents such as sanction letter
and loan agreement shall be used for such sending such communication.
2
The above computation for APR is for illustrative purposes only. The final APR shall be computed basis the date of actual disbursement of the
sanctioned loan amount. Upon actual disbursement of the sanctioned loan amount, the final KFS containing the final APR shall be communicated
to the Borrower in writing. The registered address and/or mobile number of the Borrower as captured in the application form and other loan
documents such as sanction letter and loan agreement shall be used for such sending such communication.
3
Computed on net disbursed amount using IRR approach and reducing balance method
4
The given Due date of payment of instalment and interest are for illustrative purposes only. The actual Due date of payment of instalment and
interest shall be in accordance with the final repayment schedule which shall be communicated to the Borrower in writing along with the final KFS.
The registered address and/or mobile number of the Borrower as captured in the application form and other loan documents such as sanction letter
and loan agreement shall be used for such sending such communication.

Note: Fee / Charges applicable on 1st EMI will be collected along with 1st EMI amount. For example, if your EMI amount is Rs1885 and a
ProcessingFee of Rs.304/- is applicable on 1st EMI then Rs.1885 will be deducted as 1st EMI amount
 TVS CREDIT SERVICES LIMITED

Annex-C
Repayment
SANCTION LETTER TERM1 SHEET
schedule
CUM LOAN
Instalment Outstanding Principal Principal Interest
(In Rupees) Instalment (in Rupees)2
number (In Rupees) (In Rupees)
1 8584 1369 212 18852b
2 7215 1389 135 1524
3 5826 1415 109 1524
4 4411 1444 80 1524
5 2967 1468 56 1524
6 1499 1499 27 1526
 TVS CREDIT SERVICES LIMITED

1
The above repayment schedule is for illustrative purpose only. The final repayment schedule shall be computed basis the date of actual
disbursement of the sanctioned loan amount. Upon actual disbursement of the sanctioned loan amount, the final KFS shall be communicated to
the Borrower in writing. The registered address and/or mobile number of the Borrower as captured in the application form and other loan
documents such as sanction letter and loan agreement shall be used for such sending such communication

2
Please Note
a. The disbursement of Loan, i.e., the actual date of transfer of funds by Lender, shall be subject to submission of all the necessary documents
by the Borrower to the satisfaction of the Lender and not immediately upon execution of the Agreement. The final Repayment Schedule shall be
computed from the date of disbursement of Loan and communicated to the Borrower, which shall, in the event of any conflict, supersede and
override the Repayment Schedule which is attached herein with the Agreement. Such subsequent communication containing the final
Repayment Schedule shall be binding on the Borrower and form part and parcel of the Loan Agreement.
b. For all loans disbursed, a one-time processing fee shall be levied by the Bank along with your first EMI. As a result, the amount of the first EMI
will be higher than the subsequent EMI amounts.
c. The interest shall become payable from the date of disbursement of Loan. The amount of first and last EMI may vary depending upon the date
of disbursement.

Example:
Scenario 1:

For Loans disbursed between 01-01-2024 to 2-01-2024 , the Due Date of first EMI shall be on or before 03-02-2024. In this case the amount of
first EMI shall be higher than the rest of the EMI amounts and last EMI amount may be higher or lower than the remaining EMI amounts.

Scenario 2:
For Loans disbursed between 03-01-2024 to 19-01-2024 , the Due Date of first EMI shall be on or before 03-02-2024. In this case the amount of
first EMI shall be same with the rest of the EMI amounts and last EMI amount may be higher or lower than the remaining EMI amounts.

Scenario 3:

For Loans disbursed between 20-01-2024 to 31-01-2024, the Due Date of first EMI shall on 03-03-2024. In this case the amount of first EMI shall
be higher than the rest of the EMI amounts and last EMI amount may be higher or lower than the remaining EMI amounts

The above scenarios are only for illustrative purposes. The actual Due Dates and amount of each EMI are to be referred and read from the final
Repayment Schedule only