Annexure A

Key Facts Statement

Date : 09-12-2025 VALIDITY : 3 Working days

Part 1 (Interest rate and fees/charges)

1 Loan 77048213-
proposal/ 4a31-4b1d-
Type of Loan Term Loan - Consumer Durable
account 861c-
No. d7743d680fe7

2 Sanctioned Loan amount

12320.0
(in ₹)

3 Disbursal schedule 100% upfront

(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) 8 Months

5 Instalment details

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

Monthly 8 1615.0 05-01-2026

6 Interest rate (%) and type (fixed or floating or hybrid) 13.20 / Fixed

Page 1 of 6 Acknowledgement No. K-SS-20251209160003-131476 / ENGLISH

7 Fee/ Charges

Payable to a third party

Payable to the RE (A)
through RE (B)

Amount (in ₹) Amount (in

or Percentage ₹) or
(%) as One-
One-time/Recurring Percentage
applicable time/Recurring
(%) as
Amount GST applicable

(I) Admin & Processing Fee (non- One time 422.88

76.12
refundable)

8 Annual Percentage Rate

22.44
(APR) (%)#

9 Details of Contingent Charges (in ₹ or %, as applicable)

(I) Cheque/Mandate Swap Charges Rs.500/- GST (each instance)

(II) Mandate Rejection Charge (one time during loan tenure) Rs.590/-*

(III) Penal Charges 649/-* for delayed payment of each EMI

(IV) Document/Duplicate Document Charges : Physical Statement of 250/- + GST

Account

(V) Document/Duplicate Document Charges : Physical repayment 500/- + GST

schedule

(VI) Document/Duplicate Document Charges : Duplicate NOC 250/- + GST

(VII) Preclosure Charges Upto 4% of Principal Outstanding (POS) + GST

(VIII) Legal charges At Actuals + GST

10 Optional Services Opted Amount Payment Mode

(I) Samsung Care+ Not Applicable EMI

# APR is exclusive of Optional Services Opted (on down-payment) except for Chola Anmol Program Fee
* GST is not Applicable

Page 2 of 6 Acknowledgement No. K-SS-20251209160003-131476 / ENGLISH

 Part 2 (Other qualitative information)

1 Clause of Loan agreement The Company shall have full power and authority to appoint one or more third
relating to engagement of parties of the Company choice to verify any fact or information furnished by the
recovery agents Borrower and/or to transfer or delegate to such third parties the right and authority
to take all acts/steps as are necessary for the Company to take in order to recover
/receive amounts due to the Company or collect on behalf of the Company all
unpaid amounts under the Loan, attend the office or residence of the Borrower,
receive the amounts due, and generally perform all lawful acts as the third party
may consider appropriate for such purposes.(Clause 9.13)

2 Clause of Loan agreement which GRIEVANCE REDRESSAL MECHANISM: The Company has laid out a detailed
details grievance redressal grievance redressal mechanism in line with the extant guidelines of RBI. The
mechanism grievance redressal mechanism and contact details are available at
[Link] The Borrower may get
his/her grievance/s redressed under the said grievance redressal mechanism.
(Clause 9.14)

3 Phone number and email id of the Phone No: 044 – 40906114

nodal grievance redressal officer Email ID : principalnodalofficer@[Link]
gro@[Link]

4 Whether the loan is, or in future Yes

maybe, subject to 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 Blended rate of interest
with its funding proportion with its proportion of funding

Not applicable Not applicable Not applicable

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

(i) Cooling off/look-up period, in terms of 3 Days

RE's board approved policy, during which
borrower shall not be charged any penalty
on prepayment of loan

(ii) Details of LSP acting as recovery agent Not applicable

and authorized to approach the borrower

Page 3 of 6 Acknowledgement No. K-SS-20251209160003-131476 / ENGLISH

 Annexure B

Computation of APR

Sr Parameter Details
No

1 Total Sanctioned Loan amount (in ₹) (Sl no. 2 of the KFS template – Part 1) 12320.0

A Sanctioned Loan amount (in ₹) 12320.0

B Optional Services Opted Amount (in ₹) (payable over balance tenor) – Part 1 0.0

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 8 Months

A No. of instalments for payment of principal, in case of non-equated periodic loans NA

B Type of EPI Monthly

Amount of each EPI (in ₹) and
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 1615.0
(Sl No. 5 of the KFS template – Part 1) 8

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

D Commencement of repayments, post sanction (Sl No. 5 of the KFS template – 05-01-2026
Part 1)

3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS template – Part Fixed
1)

4 Rate of Interest (%) (Sl No. 6 of the KFS template – Part 1) 13.20

5 Total Interest Amount to be charged during the entire tenor of the loan as per the 599.00
rate prevailing on sanction date (in ₹)

6 Fee/ Charges payable (in ₹) (Sl no. 7 of the KFS template – Part 1) (inclusive of 499.0
GST)

A Payable to the RE (in ₹) (Sl No.7A of the KFS template-Part 1) (inclusive of GST) 499.0

B Payable to third-party routed through RE (in ₹) (Sl No.7B of the KFS template – 0
Part 1) (inclusive of GST)

C(i) Total amount for Optional Services Opted by borrower paid upfront (in ₹) (Sl No.10 0
of the KFS template-Part 1) (inclusive of GST)

C(ii) Total amount for Optional Services Opted by borrower paid over EMIs (in ₹) (Sl 0.0
No.10 of the KFS template-Part 1) (inclusive of GST)

Page 4 of 6 Acknowledgement No. K-SS-20251209160003-131476 / ENGLISH

 7 Net disbursed amount {1-6} (in ₹)# 11603.00

8 Total amount to be paid by the borrower (1+5) (in ₹) 13418.0

9 Annual Percentage rate- Effective annualized interest rate(%) (Sl No.8 of the KFS 22.44
template-Part 1) **

10 Schedule of disbursement as per terms and conditions Detailed schedule to

be provided

11 Due date of payment of instalment and interest 05th of the month

** APR is exclusive of Optional Services Opted (on down-payment) except for Chola Anmol Program Fee
# Net disbursed amount is net-off the Dealer Subvention amount of Rs. 218.0 borne by the dealer

Acceptance from borrower

A
✓ OTP verify by: Kumar Niraj
Mobile 7479780647
IP [Link]
Lat & Long &
Date and Tue Dec 09 2025 16:01:57 GMT+0530
time (India Standard Time)
Borrower Name & Signature

Page 5 of 6 Acknowledgement No. K-SS-20251209160003-131476 / ENGLISH

 Annexure C

Repayment Schedule under Equated Periodic Instalment for the loan detailed hereinbelow

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

1 12320 1498 117 1615

2 10822 1496 119 1615

3 9326 1512 103 1615

4 7814 1529 86 1615

5 6285 1546 69 1615

6 4739 1563 52 1615

7 3176 1580 35 1615

8 1596 1596 18 1614

I/We can read and understand the terms in English. I/We agree to receive all documents/correspondence in
English.”

I/We acknowledge that all the key facts of the loan agreement are explained in the Key Fact Statement and I/We
have fully understood the same and taken an informed decision

“Further, I/We hereby give my/our consent to deduct Insurance premium in relation to the insurance scheme, if any,
as agreed and opted for by me/us and I/We am/are aware that the same will be deducted from the loan amount at
the time of disbursal.

Read, understood and accepted

Acceptance of Borrower
A
✓ OTP verify by: Kumar Niraj
Mobile 7479780647
IP [Link]
Lat & Long &
Date and Tue Dec 09 2025 16:01:57 GMT+0530
time (India Standard Time)
Borrower Name & Signature

*” Please note that the repayment schedule provided hereinabove is tentative which may change on the basis of
actual date and quantum of Loan disbursement and the revised repayment schedule will be communicated to
Borrower and the same shall be considered as part of the Key Fact Statement”.
Signature Not Verified
Signed by : DS CHOLAMANDALAM INVESTMENT AND
FINANCE COMPANY LIMITED 17
Reason : krishnakumar k
Location : Chennai
Date : 2025-12-09 16:03:00 IST

Page 6 of 6 Acknowledgement No. K-SS-20251209160003-131476 / ENGLISH