General Details
1 Date of KFS (T) 28/06/2025
Name of Regulated Entity
2 Tata Capital Limited (TCL)
(RE) / Lender
3 KFS Validity T + 3 Working Days
Name of
a) PALLAPU GOPI
Borrower
Details of the Borrower/s and
4 b) Constitution Individial
Co-Borrower/s
D NO 29 27 481 KRISHNABABU COLONY 6TH LINE GUNTUR ANDHRA
c) Address
PRADESH , NEAR GANUMAN TEMPLE , Guntur , Andhra Pradesh , 522004
5 IP Address [Link]
6 OTP Consent Date And Time 28/06/2025 15:11:33
7 Mobile Number 9100639204
Key Facts Statement
Part 1 (Interest rate and fees/charges
Loan proposal /
account No. / Webtop No.-KFS_832TZ8604573
1 Type of Loan Two-Wheeler Loan
Unique Proposal _2806_1511
Number.
2 Sanctioned Loan amount (in Rupees) 126,215
Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3 100% Upfront
(ii) If it is stage wise, mention the clause
of loan agreement having relevant details
4 Loan term (year/months/days) 36
5 Instalment details
Commencement of repayment, post
Type of instalments Number of EPIs EPI (Rs.)
sanction
Sr. Disbursement
EPI cycle date
No date
1st to 15th of the
Monthly 36 4,825 1 4th of next month
month
4th of next to
2 16th to EOM
next month
Interest type (fixed or floating
6 Interest rate (%) IRR - 22.07 % p.a Fixed
or hybrid)
7 Additional Information in case of Floating rate of interest
Reset
Impact of change in the reference benchmark(for 25
Benchmark periodicity.(Months)
Reference Final rate (%) R = bps change in ‘R’, change in)
rate (%) Spread (%) (S)
Benchmark (B) + (S) ____________________________________
(B) _________________
EPI () | No. of EP
B | S
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL Payable to a third party through TCL
Amount (in )
One-time/ or Percentage Amount (in ) or Percentage(%) as
One-time/Recurring
Recurring (%) as applicable
applicable
(i) Processing fees One time Rs. 2708.47
(ii) Insurance charges One time Rs. 2639.83
(a) HDFC - Life Insurance One time Rs. 1792.37
(b) TATA AIG – General Insurance One time Rs. 847.46
(iii) Valuation Fees NA NA
(iv) Any Other
(a) Stamp Duty One Time Rs. 900.00
PDD Charges – Post Disbursal
(b) One Time Rs. 500.00
Docs
(c) Documentation Charges One Time Rs.
(d) CPP – Card Protection Plan One Time Rs. 0.00
(e) Broken Period interest One Time 464
9 Annual Percentage Rate (APR) (%) 26.85 % p.a
10 Details of Contingent Charges (in or %, as applicable )
Penal charges, if any, in case of delayed For default in payment of interest and/ or principal amounts - 3% p.m.
(i)
payment on defaulted amount (Annualized Penal Charge of 36%)
(ii) Other penal charges, if any
For Dishonour of Cheque / Payment Instrument
(a) Rs. 600/- per instrument per instance
/ Mandate
Rs.450 (Charges will be levied if new mandate form is not registered
(b) For Mandate Rejection within 30 days from the date of rejection of previous mandate form by
Borrower’s bank for any reasons whatsoever)
(c) For Non creation/perfection of security NIL
(iii) Pre-payment/ Foreclosure charges, if applicable 5% of the principal outstanding at the time of foreclosure
Charges for switching of loans from floating to
(iv) NA
fixed rate and vice versa
(v) Any other Charges
(a) Statement of Account Rs.300/-
(b) Duplicate Repayment Schedule Nil
(c) Foreclosure report Rs.550/-
(d) Payment Instruments swapping Rs.550/- each time
(e) Repossession Charges Rs.8,000/-
(f) Cancellation Charges 2% of the Facility amount or Rs.5750/- Whichever is higher
(g) PDC Charges – Post Dated Cheques Rs.850/-
(h) Duplicate NOC Rs.300/-
Part 2 (Other qualitative information)
Please refer to the Clause ‘Miscellaneous Terms’ in the
1 Clause of Loan agreement relating to engagement of recovery agents Specific Agreement/Terms and Conditions
Please refer to the Clause ‘Miscellaneous Terms’ in the
2 Clause of Loan agreement which details grievance redressal mechanism
Specific Agreement/Terms and Conditions
Name- Ms. Francyna Dias
3 Phone number and Email ID of the nodal grievance redressal officer Phone Number- 18602676060
Email ID- seniorcroretail@[Link]
Whether the loan is, or in future maybe, subject to transfer to other REs or
4 Yes
securitization (Yes/ No)
5 In case of lending under collaborative lending arrangements ([Link]-lending/ outsourcing), following additional details may be furnished:
Name of the originating RE, along with its Name of the partner RE along with its
Blended rate of interest
funding proportion 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, during which
3 days from the date of loan disbursal
borrower shall not be charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized to approach the borrower NA
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 and Repayment Schedule
• 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.
• Net Disbursed Amount may change if there is a difference in agreement execution date and actual loan disbursal date on
account of change in Broken Period Interest or any changes opted post execution of the agreement.
• For the APR, please refer the calculation of APR given below.
• Any revision in charges shall be updated by the Lender on its website ([Link]) or otherwise intimated to the
Borrowers.
Computation of APR
[Link] Parameter Details
1 Sanctioned Loan amount (in Rupees) (Sl no.2 of the KFS – Part 1) 126,215
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS– Part 1) 36
No. of instalments for payment of principal, in case of non- equated periodic
a) NA
loans
Type of EPI Monthly
b) Amount of each EPI (in Rupees) and 4,825
nos. of EPIs (Sl No. 5 of the KFS – Part 1) 36
c) No. of instalments for payment of capitalised interest, if any NA
Disbursement date EPI cycle date
d) Commencement of repayments, Post Sanction 1st to 15th of the month 4th of next month
16th to EOM 4th of next to next month
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS – Part 1) Fixed
4 Rate of Interest (Sl No. 6 of the KFS – Part 1) 22.07 % p.a
Total Interest Amount to be charged during the entire tenor of the loan as per
5 48352
the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 7801.00
A Payable to TCL (Sl No.8A of the KFS -Part 1) 3208.47
B Payable to third-party routed through TCL (Sl No.8B of the KFS – Part 1) 3539.83
C Total GST on all the fees and charges 1052.69
7 Net disbursed amount (1-6) (in Rupees) 118,414
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 174,567
Annual Percentage rate- Effective annualized interest rate (in percentage)10 (Sl
9 26.85%
No.9 of the KFS-Part 1)
10 Schedule of disbursement as per terms and conditions NA
11 Due date of payment of instalment and interest 4th of every month
Repayment Schedule
Outstanding Principal (in
Instalment No. Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)
1 126215 2039 2786 4825
2 124176 2541 2284 4825
3 121635 2588 2237 4825
4 119047 2636 2189 4825
5 116411 2684 2141 4825
6 113727 2733 2092 4825
7 110994 2784 2041 4825
8 108210 2835 1990 4825
9 105375 2887 1938 4825
10 102488 2940 1885 4825
11 99548 2994 1831 4825
12 96554 3049 1776 4825
13 93505 3105 1720 4825
14 90400 3162 1663 4825
15 87238 3221 1604 4825
16 84017 3280 1545 4825
17 80737 3340 1485 4825
18 77397 3402 1423 4825
19 73995 3464 1361 4825
20 70531 3528 1297 4825
21 67003 3593 1232 4825
22 63410 3659 1166 4825
23 59751 3726 1099 4825
24 56025 3795 1030 4825
25 52230 3864 961 4825
26 48366 3935 890 4825
27 44431 4008 817 4825
28 40423 4082 743 4825
29 36341 4157 668 4825
30 32184 4233 592 4825
31 27951 4311 514 4825
32 23640 4390 435 4825
33 19250 4471 354 4825
34 14779 4553 272 4825
35 10226 4637 188 4825
36 5589 5589 103 5692
Note:
The Repayment Schedule and its figures and calculation are as on 28/06/2025 and may vary based on the applicable date of
disbursement.
I confirm that I have thoroughly read and understood the Key Facts Statement.
___________________ ___________________
Borrower Co-Borrower