Key Facts Statement
Part 1 (Interest rate and fees/charges)
Loan proposal
1 XPLBSLIV003AAAE Type of Loan Personal Loan
/account No.
2 Sanctioned Loan amount (in Rupees) Rs. 577000
Disbursal schedule
3 1. Disbursement in stages or 100% upfront. 100% Upfront
2. If it stage wise, mention the clause of loan agreement
having relevant details
4 Loan term (year/months/days) 60 Months
5 Installment details
Commencement of
Type of installments Number of EPIs EPI
repayment, post sanction
Monthly 60 Rs. 13274 2026-03-05
6 Interest rate (%) and type (fixed or floating or hybrid) 13.49% Fixed
7 Additional Information in case of Floating rate of interest
Impact of change in
the reference
Reset periodicity2 benchmark
(Months)
Reference Benchmark Final rate (%) R = (for 25 bps change in
Spread (%)(S)
Benchmark rate (%)(B) (B) + (S) ‘R’, change in: 3)
No. of
B S EPI ()
EPIs
NA NA NA NA NA NA NA NA
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
8 Fee/Charges4
Payable to a third party
Payable to the RE (A)
through RE (B)
Amount (in ) or
Amount (in ) or
One-time Percentage
One-time/Recurring Percentage (%) as
/Recurring (%) as
applicable5
applicable5
(i) Processing fees One-time Rs. 11540.0
Insurance
(ii) One-time Rs. 0
charges
(iii) Valuation fees
(iv) Stamp Duty One-time Rs. 150
Documentation
(v) One-time Rs. 30
Charges
Any other
(vi)
(please specify)
9 Annual Percentage Rate (APR)(%)6 14.52%
10 Details of Contingent Charges (in or %, as applicable)
(i) Penal charges, if any, in case of delayed payment 24% per annum
(ii) Other penal charges, if any 0 per annum
(iii) Foreclosure charges, if applicable NIL
(iv) Charges for switching of loans from floating to fixed rate and vice versa
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
(v) Any other charges (please specify)
Rs. 750 per
Bounce Charges
Bounce
Part Payment Charges, if applicable NIL
Rs. 500 +
Collection Pickup Charges applicable
taxes
At Actuals +
Any Legal cost/charges applicable
taxes
At Actuals +
Recovery related charges applicable
taxes
At Actuals +
Statutory Charges applicable
taxes
Part 2 (Other qualitative information)
The Borrower expressly recognises and accepts that the Lender shall,
without prejudice to its right to perform such activities itself or through
its officers or servants, be absolutely entitled and have full powers and
authority to appoint & engage at the cost & expenses of the Borrower a
recovery agent of the Lender’s choice to assist in the recovery of any
Outstanding Amounts due under this Agreement, to visit the premises
Clause of Loan of the Borrower whether residential or office or otherwise, collect on
Agreement relating to behalf of the Lender all unpaid dues, enforcement of the Security,
1
engagement of recovery getting or verifying any information of the Borrower/ their assets and to
agents perform and execute all act(s), deed(s), matter(s) and thing(s)
connected therewith or incidental thereto including sending notices of
demand, or otherwise contacting the Borrower, receiving the
outstanding (in cash/through bank draft/cheque) from the Borrower, and
to perform and execute all lawful acts, deeds, matters and things
connected herewith or incidental hereto as the recovery agent may
consider appropriate for the purpose.
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
At Piramal Finance Limited (Formerly known as Piramal Capital &
Housing Finance Limited), it is our endeavour to provide the best in
customer service. All our products, services and policies are built
around the core value of customer centricity. There can be instances
where customers are not satisfied with the services provided. To
highlight such instances and register a complaint please follow the
following process:
a)The Borrower may raise his / her complaint through Toll free number
mentioned on [Link] or email to
customercare@[Link].
Clause of Loan
b)If the customer is not satisfied with the resolution provided, or his/her
agreement which details
2 query is not resolved within 15 days, the customer may escalate by
grievance redressal
writing to us at: grievances@[Link]
mechanism
c)In case the concern remains unresolved beyond a period of 15 days,
the Borrower may escalate the matter to “The Nodal Officer” details
whereof as mentioned below.
d)In case of non-addressal of the complaint to the customer’s
satisfaction within a period of 30 days from the above quarters, the
Member may approach the RBI CMS portal by lodging a complaint
online at the given link [Link] or may write to below
mentioned address: Centralised Receipt and Processing Centre,
Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017, Toll
Free No. 14448.
For Lender
The Nodal Officer – Ms. Hetal Parihar
Phone number and email
601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani
3 id of the nodal grievance
Junction, Opp. Fire Station, LBS Marg, Kurla (West), Mumbai- 400070.
redressal officer
Email: [Link]@[Link]
Contact Number: 022- 71740555
Whether the loan is, or in
future maybe, subject to
4 Yes
transfer to other REs or
securitisation (Yes/No)
In case of lending under collaborative lending arrangements (e.g., co-lending/outsourcing),
5
following additional details may be furnished:
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
Name of
the
Name of the originating partner
RE, along with its funding RE along Blended rate of interest
proportion with its
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, durin
3 days
which borrower shall not be charged
any penalty on prepayment of loan
(ii) Details of recovery agent (including
LSP wherever applicable) acting as
Authorised Agencies - Piramal Finance
recovery agent and authorized to
approach the borrower
Illustration for computation of APR for retail and MSME loans
Sl.
Parameter Details
No.
1 Sanctioned Loan amount (in Rupees)(Sl no.2 of the KFS template – Part 1) Rs. 577000
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 60
a) No. of instalments for payment of principal, in case of non- equated periodic loans -
Type of EPI
Monthly
Amount of each EPI (in Rupees) and
b) Rs. 13274
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments)
60
(Sl No. 5 of the KFS template – Part 1)
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
c) No. of instalments for payment of capitalised interest, if any -
Commencement of repayments, post sanction (Sl No. 5 of the KFS template – Part
d) 30 days
1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS template – Part 1) Fixed
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 13.49%
Total Interest Amount to be charged during the entire tenor of the loan as per the
5 Rs. 216578.0
rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable8 (in Rupees) Rs. 11720.0
A Payable to the RE (Sl No.8A of the KFS template-Part 1) Rs. 11570.0
B Payable to third-party routed through RE (Sl No.8B of the KFS template – Part 1) Rs. 150
7 Net disbursed amount (1-6) (in Rupees) Rs. 565280.0
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) Rs. 793578.0
Annual Percentage rate- Effective annualized interest rate (in percentage)10 (Sl No.
9 14.52%
9 of the KFS template-Part 1)
Detailed schedule to
10 Schedule of disbursement as per terms and conditions
be provided
11 Due date of payment of instalment and interest 2026-03-05
Repayment Schedule
Installment Outstanding Principal (In Principal (In Interest (In Installment (In
No. Rupees) Rupees) Rupees) Rupees)
0 568418.0 8582.0 4692.0 13274.0
1 561657.0 6761.0 6513.0 13274.0
2 554610.0 7047.0 6227.0 13274.0
3 547690.0 6920.0 6354.0 13274.0
4 540489.0 7201.0 6073.0 13274.0
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
5 533408.0 7081.0 6193.0 13274.0
6 526245.0 7163.0 6111.0 13274.0
7 518806.0 7439.0 5835.0 13274.0
8 511476.0 7330.0 5944.0 13274.0
9 503873.0 7603.0 5671.0 13274.0
10 496372.0 7501.0 5773.0 13274.0
11 488785.0 7587.0 5687.0 13274.0
12 480569.0 8216.0 5058.0 13274.0
13 472801.0 7768.0 5506.0 13274.0
14 464769.0 8032.0 5242.0 13274.0
15 456820.0 7949.0 5325.0 13274.0
16 448611.0 8209.0 5065.0 13274.0
17 440477.0 8134.0 5140.0 13274.0
18 432250.0 8227.0 5047.0 13274.0
19 423769.0 8481.0 4793.0 13274.0
20 415350.0 8419.0 4855.0 13274.0
21 406681.0 8669.0 4605.0 13274.0
22 398066.0 8615.0 4659.0 13274.0
23 389353.0 8713.0 4561.0 13274.0
24 380252.0 9101.0 4173.0 13274.0
25 371335.0 8917.0 4357.0 13274.0
26 362178.0 9157.0 4117.0 13274.0
27 353054.0 9124.0 4150.0 13274.0
28 343695.0 9359.0 3915.0 13274.0
29 334359.0 9336.0 3938.0 13274.0
30 324916.0 9443.0 3831.0 13274.0
31 315245.0 9671.0 3603.0 13274.0
32 305583.0 9662.0 3612.0 13274.0
33 295697.0 9886.0 3388.0 13274.0
34 285811.0 9886.0 3388.0 13274.0
35 275812.0 9999.0 3275.0 13274.0
36 265392.0 10420.0 2854.0 13274.0
37 255159.0 10233.0 3041.0 13274.0
38 244714.0 10445.0 2829.0 13274.0
39 234244.0 10470.0 2804.0 13274.0
40 223567.0 10677.0 2597.0 13274.0
41 212854.0 10713.0 2561.0 13274.0
42 202019.0 10835.0 2439.0 13274.0
43 190985.0 11034.0 2240.0 13274.0
44 179899.0 11086.0 2188.0 13274.0
45 168620.0 11279.0 1995.0 13274.0
46 157278.0 11342.0 1932.0 13274.0
47 145806.0 11472.0 1802.0 13274.0
48 134041.0 11765.0 1509.0 13274.0
49 122303.0 11738.0 1536.0 13274.0
50 110385.0 11918.0 1356.0 13274.0
51 98376.0 12009.0 1265.0 13274.0
52 86193.0 12183.0 1091.0 13274.0
53 73907.0 12286.0 988.0 13274.0
54 61480.0 12427.0 847.0 13274.0
55 48888.0 12592.0 682.0 13274.0
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444
56 36174.0 12714.0 560.0 13274.0
57 23301.0 12873.0 401.0 13274.0
58 10294.0 13007.0 267.0 13274.0
59 0 10294.0 118.0 10412.0
KFS Validity: 3 Days
This Key Fact Statement has been issued based on the documents and details submitted by the Borrower at the time
of the loan sanction. If there are any material changes in the proposal for which the Loan is sanctioned or; if any event
occurs which, in Lender’s opinion is likely to affect the financial condition of the Borrower or his / her/ their ability to
perform any obligations under the Loan or; any statement made in the loan application or representation made is
found to be incorrect or untrue or material fact has concealed and in case of any material discrepancy or
misrepresentation is found later at any stage before the disbursement of the loan, Lender shall have a right to modify
or revoke this Key Fact Statement.
The above terms and conditions have been explained to me/us and have been acknowledged & understood by me/us.
Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station
LBS Marg, Kurla (West), Mumbai - 400 070 | CIN: U64910MH1984PLC032639
[Link] | Email ID: customercare@[Link] | Toll Free Number: 1800 2666 444