BAJAJ FINANCE LIMITED

Date02-07-2025 11:55:33

To,
RAVI NAIK MUDE,
S/O MUDE UGADI NAIK 11 99 PANDIKUNTA TANDA GALIVEEDU CUDDAPAH ANDHRA PRADESH 516267 RAYACHOTI ANDHRA
PRADESH

Reference: Loan Application No. BBF4BUC0P4U4OK, Name of the Product:Consumer Loan

Dear Sir/Madam,

We value your relationship with Bajaj Finance Limited (“BFL”).

BFL Strives to ensure customer delight through its exceptional delivery of Financial Services.
You have been appraised with all relevant information before disbursal of loan including Loan terms as detailed in Key Facts Statement (KFS).

Post your complete understanding of the same, you conveyed your acceptance to the KFS, terms of Sanction Letter and the Loan Terms and
Conditions (“documentation”), you have accepted and executed the said documentation.

A copy of the said KFS, Sanction Letter and the Loan Terms and Conditions accepted and executed by you are enclosed herewith for your reference
and records.

Should you have any queries please reach out to 8698010101, or write to us at wecare@[Link]

Thanks & Regards,

For Bajaj Finance Limited

Authorised Signatory,
Bajaj Finance Ltd.

Encl: As above

Signature Not Verified

Digitally signed by DS BAJAJ FINANCE
LIMITED 2
Date: 2025.07.02 11:57:14 +05:30
Reason: Security
Location: Pune

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121
 BAJAJ FINANCE LIMITED ("BFL")
Consumer Finance Application Form

PAN (Permanent Account Number)* CROPM7522A

DOB (As per PAN) * 06/07/1990 00:00:00

Name (As per PAN) * RAVI NAIK MUDE

Customer Name RAVI NAIK MUDE
Application Form No. BBF4BUC0P4U4OK
Applied Loan Amount ₹17004.00
Tenure 3
Dealer Name AMAZON ONLINE DISTRIBUTION SERVICES PL _BANGALORE
Purpose of Loan Purchase of Product/Services for Personal Use

GENERAL TERMS & CONDITIONS:

hereby agree and confirm:
1. That, (i) I am at least 18 years of age, (ii) can understand, read and write in the English language, (iii) have read and understood the Application
Form, and Master Terms and Condition in relation to the Loan available on Master Terms & Conditions ([Link]
[Link]) and (iv) agree to be bound by the same
2. That I am applying for Finance Facility from Bajaj Finance Ltd ("BFL") as stated in this Application Form.
3. To submit and execute any/all documents, in such form and manner as may be required by BFL in relation to this Application Form and/or related
products
4. I shall make payment of the applicable fee and/or charges, as specified herein by BFL with respect to this loan application and as more specifically
detailed under Annexure I, below or which also can be accessed at ([Link]
5. Authentication/Acceptance: The mode of authentication/acceptance may be done by me through any one of the following modes, namely:

1. By Physical execution: The documentation will be signed by me in person and the same shall be relied and acted as my explicit written
instruction/consent by BFL; OR
2. By Electronic authentication: By checking the “I Agree” button at the end of the Application Form and by submitting the one-time password
(“OTP”) sent by BFL, or authentication/execution by any other electronic mode, I confirm my acceptance on the Application Form, Most
Important Terms and Conditions(“MITC”) and Master Terms and Conditions (“Master Terms”) in relation to the Loan through electronic
means and the same shall be relied and acted upon by BFL.
6. CONSENT FOR ADDITIONAL DETAILS
I hereby authorise and give my consent to the BFL to verify/check/obtain/download/upload/update/retrieve/receive my following details: (i)
profession or (ii) income or (iii) financial details or (iv) location or (v) IP address or (vi) photographs of residence/business premises or (vii)
alternative mobile phone number or (viii) alternate residence address or (ix) any other additional information as deemed fit by BFL through details
shared by me for this Application Form and Loan Agreement.

7. I also authorize BFL:

1. To use, verify, exchange, share or part with all information and details as provided by me to BFL’s group companies/business
partners/permitted assigns, affiliate/subsidiaries/agents/ service provider/representatives/empanelled merchants (collectively referred to as
“Assigns”) and any third party including but not limited to, banks, financial institutions, credit bureaus, telecommunication companies,
statutory bodies, empanelled merchants, Central KYC Registry, Protean eGov Technologies Reserve Bank of India, GST Portal,
CIBIL/CRISIL/any credit rating agency/credit information company(CIC), Information Utility, NSDL e-Governance Infrastructure Limited
(NSDL)/UTI Infrastructure Technology and Services Limited (UTIITSL), UIDAI for purposes such as, including but not limited to customer
verification and due diligence, personalization of products or services, credit rating, data enrichment, analysis, marketing or promotion of BFL
services or related products or that of its Assigns or for enforcement of my obligations and I shall not hold BFL/its Assigns liable for the
use/storage/sharing of the data and informations as stated above. I am aware and I Agree that my Aadhaar details such Aadhaar Number,
registered mobile Number, and registered email ID will be masked by BFL before sharing to its permitted Assigns and/or any third party as per
laws/regulations.
2. To seek/obtain any other information, generate periodic reports relating to me either by itself and/or from any third party.
3. To procure/avail my CIBIL report and provide it to me by deducting applicable charges for the same.
8. I hereby expressly authorise BFL, its group companies, affiliates and/or business associates and their respective representatives to send me
communications regarding loans, insurance and their respective products and/or services (collectively “Other Products”) through telephone
calls/SMSs/emails/post/bots/bitly etc. including but not limited to promotional communications. I Agree and understand that such Other Products
if availed, are governed by their own set of terms and conditions, which shall be in addition to and not in derogation to the terms and conditions
prescribed by BFL herein. I understand that I can at any time opt not to receive any telecommunication;

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121
 9. I hereby declare that all the information voluntarily furnished by me is true, correct and complete. I will not hold BFL or any of its officials
responsible in case of any incorrect information provided by me.

10. That no insolvency proceedings or suits for recovery of outstanding dues, monies or property (ies) and/or any criminal proceedings have been
initiated and/or are pending against me.
11. I have not received any request for or made any payment in cash, bearers cheques or of any other kind in connection with this
Application Form from/to any person.
12. That BFL has the absolute discretion, to accept or reject this loan application, as it may be deemed fit by BFL at any time, either before or after
verification.
13. That this Application Form, its contents and information/details provided by me, from time to time, as part of this application, may be submitted
to:

1. BFL, its subsidiaries and affiliates of BFL, any service provider/third party/ legal entity with whom BFL may have business relationship and/or
in reference to rendering services in connection with the product(s) availed by me and/or for promoting/marketing various products and
services.
2. To any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need basis.
14. Interest Rate Methodology-

Interest rate applicable for consumer durable Loans varies from 0% to 31% basis the BFL’s internal credit and risk policy and as per an
algorithmic multivariate score card which includes following variables (inclusive and not exhaustive):
(i) Interest rate risk (fixed vs floating loan), Credit and default risk in the related business segment (iii) Historical performance of similar
homogeneous clients (iv) Profile of the borrower (v) Industry segment, (vi) Repayment track record of the borrower, (vii), Nature and value of
collateral security, (viii) Secured Vs unsecured loan, (ix) Subvention available, (x) Ticket size of loan, (xi) Bureau Score, (xii), Tenure of Loan,
(xiii) Location delinquency and collection performance and (xiv) Customer Indebtedness (other existing loans)

The aforesaid variables may be revised from time to time.

15. BFL Customer Care Contact details:

For any queries, visit our website ([Link] Select the < Email Us > tab and follow the directions to get your
query resolved.
16. Loan Application will be processed immediately after agreeing to the Key Fact Statement and successful OTP validation
Annexure I :
Sr. Fees and Amount (₹) / Percentage (%)
No. Charges Name

1 Bounce Charges ₹ 500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment
(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.

2 Penal Charges Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the
respective due date until the date of receipt of the full instalment(s) amount.

3 Convenience Fee ETB*- Rs.236/- (Inclusive of applicable taxes) will be collected along with 01st instalment.
*ETB - Transaction processed through EMI Card

4 Processing Fees ₹249.00/- (Inclusive of applicable taxes) will be collected along with 1st EMI

5 Pre-payment Full Pre-payment

charges
Nil, Any time post disbursement of loan

Part Pre-payment
Nil, Any time post disbursement of loan

Sub: Key Fact Statement

Acceptance mandatory to generate OTP

Date:02/07/2025 11:55:31

Reference no:BBF4BUC0P4U4OK

Customer Name RAVI NAIK MUDE

Dealer/Merchant/Manufacturer Name AMAZON ONLINE DISTRIBUTION SERVICES PL _BANGALORE

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121
Dealer/Merchant/Manufacturer Code 195298

Dear RAVI NAIK MUDE

We thank you for choosing Bajaj Finance Limited (“BFL”) as your financial partner and look forward to an enduring relationship with you.

In reference to your loan request to purchase consumer durable product(s), Bajaj Finance Ltd ("BFL"), has approved your loan request. As you embark on this journey
with us, our priority is to ensure that you are well-informed about the Total interest payable for entire tenure of the loan, fees and charges, Annual percentage Rate (APR)
and other important terms including Repayment Terms associated with this loan, all of which are detailed in the following "Key Fact Statement"

Please note all details given in respective sections. Your acceptance of this Key Fact Statement by clicking on "I Agree" and/or providing your physical signature will
constitute a valid acceptance of the “Key Fact Statement” contained therein and same shall have binding effect on you.

Thanking You,

Authorised Signatory,

Bajaj Finance Ltd.

Annexure A: KEY FACT STATEMENT - CONSUMER LOAN

Part 1 (Interest rate and fees/charges)

Sr Parameter Details
No

Loan proposal/ account No BBF4BUC0P4U4OK

1

2
Type of Loan Consumer Loan

Gross Loan Amount ₹17004.00

3

Advance EMI to be collected ₹0.00

4

Loan Amount (No 3) - (No 4) (amount to be disbursed to dealer on behalf of borrower) ₹17004.00
5

6
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 Not applicable
Loan Term (months)
7

- Gross Tenure 3
- Net Tenure 3
Instalment Details
8

Type of instalment Monthly

Number of Equated Periodic Instalment(s) (EPI) 3
EPI (₹) (2) ₹5668.00
Commencement of repayment, post sanction (4) 31 days
Rate of Interest
9

Rate of Interest per annum 0%

Rate of Interest per annum including upfront interest 0.00
Interest Type Fixed
10

Additional Information in case of Floating rate of interest

11

Reference Benchmark Not applicable

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121
 Benchmark rate (%) (B) Not applicable
Spread (%) (S) Not applicable
Final rate (%) R = (B) + (S) Not applicable
Reset periodicity (Months) (B) Not applicable
Reset periodicity (Months) (S) Not applicable
Impact of change in the reference benchmark (for 25 bps change in ‘R’)
- EPI (₹) Not applicable
- Number of EPIs Not applicable

12.1
Fees & charges borne by customer payable to RE One-time/Recurring Amount(in₹) or
Percentage(%) as applicable
Processing fees One-time ₹249.00
Convenience Fees One-time ₹236.00
Upfront Interest borne by customer payable to RE One-time/Recurring Amount(in₹) or
12.2
Percentage(%) as applicable
Upfront Interest One-time ₹0.00

13
Fees & charges/interest borne by customer payable to One-time/Recurring Amount(in₹) or
third party through RE Percentage(%) as applicable
Not applicable Not applicable Not applicable

14
Annual Percentage Rate (APR) (%)(1)(2) 17.53%

Subvention received from Dealer/Manufacturer/Partner ₹680.00

15

16
Details about Contingent Charges

Part Pre-Payment Charges Nil

Full Pre-Payment Charges (Foreclosure Charges) Nil
Bounce Charges per bounce (shall mean charges for (i) dishonour of any payment instrument; or (ii) non- ₹500.00
payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-
registration of the payment mandate or any other reason)
Penal charge per annum for delay in payment of Instalment(s) (from the respective due date until the date 36%
of receipt of the full instalment(s) amount)

Part 2 (Other Qualitative information)

Clause of Loan agreement relating to engagement of recovery agents Refer footnote no. 5
1

2
Clause of Loan agreement which details grievance redressal mechanism Refer footnote no. 6

3 Name, designation, address, phone number and email id of Nodal Grievance Redressal Officer of lender :
Name: Ganesh Iyer
Designation: Chief Operations Officer
Address: Bajaj Finserv Corporate Office, Viman Nagar, Pune, Maharashtra - 411014
Phone number: 022-41803901
Email id:grievanceredressalteam@[Link]
Whether the loan is, or in future maybe, subject to transfer to other REs or securitisation (Yes/ No) Yes
4

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 Blended rate of interest
proportion proportion of funding
Not Applicable Not Applicable Not Applicable
In case of digital loans, following specific disclosures may be furnished:
6

(i) Cooling off/look-up period, in terms of RE’s board approved policy, during which borrower shall not be charged any penalty on
prepayment of loan (3):
1 days from the date of disbursal.
For cancellation of your loan, you can call us on 8698010101, or write to us at wecare@[Link]

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121
 (ii) Details of Lending Service Provider acting as recovery agent and authorized to approach the borrower:
LSP is not acting as recovery agent.
The details of the recovery agent authorized to collect on behalf of Bajaj Finance Ltd will be intimated to you at the time of recovery
collection. List of authorised associates empanelled for handling collections are updated on the BFL's website for reference. Details of
recovery agents ([Link]
(iii) Privacy policy covering scope and type of information collected by the lender:
BFL's Privacy Policy ([Link]

Annexure B: Illustration for computation of APR - CONSUMER LOAN

Sr
No Parameter Details

Gross Loan Amount (Sr no. 3 of the KFS template – Part 1) ₹17004.00
1

2
Advance EMI to be collected (Sr no. 4 of the KFS template – Part 1) ₹0.00

3
Loan Amount (No 1) - (No 2) (amount to be disbursed to dealer on behalf of borrower) (Sr no. 5 of the KFS template - Part 1) ₹17004.00

Net loan term (in months) (Sr no. 7 of the KFS template – Part 1) 3
4

a)
No. of instalments for payment of principal, in case of non equated periodic loan Not
Applicable
(i) Type of EPI (Sr no. 8 of the KFS template – Part 1) Monthly
b)

(ii) Amount of each EPI (Sr no. 8 of the KFS template – Part 1)(1)(2) ₹5668.00
(iii) Number of EPIs (Sr no. 8 of the KFS template – Part 1) 3
No. of instalments for payment of capitalised interest, if any Not
c)
Applicable
Commencement of repayments, post sanction (Sr no. 8 of the KFS template – Part 1) (4) 31 days
d)

5
Interest rate type (fixed or floating or hybrid) (Sr no. 10 of the KFS template – Part 1) Fixed

Rate of Interest per annum (Sr no. 9 of the KFS template – Part 1)
6

a)
Rate of Interest per annum 0%

b)
Rate of Interest per annum including upfront interest 0.00

Interest charged to customer (1)(2) ₹0.00

7

a)
Total interest amount (excluding upfront interest) to be charged during the net tenure of the loan as per the rate prevailing on ₹0.00
sanction date (1)(2)
Upfront Interest payable by customer ₹0.00
b)

8.1
Fees & charges payable by customer

a)
Payable to RE (Sr no. 12 of the KFS template – Part 1) ₹485.00

Payable to third party routed through RE (Sr no. 13 of the KFS template – Part 1) ₹0
b)

8.2
Upfront Interest payable by customer payable to RE (Sr no. 12 of the KFS template – Part 1) ₹0.00

Net disbursed amount for APR (No. 3) - (No. 8) ₹16519.00

9

10
Total Amount to be paid by borrower towards loan (No 3) + (No 7) + (No 8)(1)(2) ₹17489.00

11
Annual Percentage Rate - Effective annualized interest rate (in percentage) (computed on net disbursed amount (No. 9) using 17.53%
IRR approach and reducing balance method) (%) (Sr no. 14 of the KFS template – Part 1) (1)(2)

12
Schedule of disbursement as per terms and conditions 100%
Upfront

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121
 Sr
No Parameter Details

Due date of payment of instalment and interest (4) 02-08-2025

13

ANNEXURE C: ILLUSTRATIVE REPAYMENT SCHEDULE UNDER EQUATED PERIODIC INSTALMENT - CONSUMER LOAN (1)(2)

Instl No. Opening Principal (₹) Instl Amt (₹) Principal (₹) Interest (₹) Closing Principal (₹)

1 17004.00 5668.00 5668.00 0.00 11336.00

2 11336.00 5668.00 5668.00 0.00 5668.00
3 5668.00 5668.00 5668.00 0.00 0.00

(1) Actual interest calculation would change based on days gap between date of loan disbursement and first due date of instalment basis below scenario:

i) Scenario 1 - if gap is more than 30 days then Broken Period Interest / Pre-instalment Interest would be deducted from amount finance or added to the first instalment
amount.
ii) Scenario 2 - if gap is less than 30 days then interest of the first instalment will be charged for actual number of gap days.

The repayment schedule is for illustrative purpose. There might be a difference in the actual repayment amount due to rounding off the
(2)

instalment amount vis-à-vis the instalment amount mentioned in the Key Fact Statement.
(3)
BFL provides an explicit option to the borrower to exit loan within the Cooling off/Look-up period, by repaying the principal amount and the proportionate Annual
Percentage Rate (APR) without any penalty during the said period. Stamp duty, GST and other statutory charges/ taxes levied/ collected will not be refunded.

(4)
Gap days for commencement of instalment and Due date of payment of instalment and interest may vary basis the actual disbursement date.

(5)
If you fail to make timely payment of EMI, BFL shall authorise Recovery Agency / Agents to recover the same and which shall be intimated to the Customer at the time
of initiation of collection of the same. List of authorised collection agents / collection agencies / associates empanelled for handling collections are updated on the BFL's
website for reference. ([Link]

(6) For any grievance(s) against the BFL/Lender, the Borrower may have his/her grievance redressed as under:-

a. You may write to BFL at (wecare@[Link])

b. If you are holding EMI Network Card and/or Health EMI Network Card, you may call BFL Customer Care at 8698010101. This is not a toll-free number and normal
call charges will be applicable.
c. You may also write or reach to BFL’s Grievance Redressal Officer to seek resolution:-

Name: Ganesh Iyer

Designation: Chief Operations Officer
Phone : 022-41803901
Email ID: (grievanceredressalteam@[Link])

Application form validated at 02/07/2025 11:55:31.

KFS/RPS validated at 02/07/2025 11:55:33.

BFL/DIG/CS/2025/JUNE/ECOMKFS/KE017

Signature Not Verified

Digitally signed by DS BAJAJ FINANCE
LIMITED 2
Date: 2025.07.02 11:57:11 +05:30
Reason: Security
Location: Pune

Consent Details: Accepted, IP Address : [Link], Language Name : English, Application Number : 277988195183, Date & Time: 02/07/2025 11:55:33, Mobile Number: XXXXXX8121