Key Fact Statement

Section 1 (Interest Rate and Fees/Charges)

(For Financing under Solar Roof Top- Digi Surya Ghar)

Applicant Name: MANOWAR ALI

(1). Loan Proposal / Account PNB-DSG- Type of Loan TERM LOAN

No 130925-000046
(2) Sanctioned Loan Amount (in Rupees) Rs.188000.00
(3) Disbursal schedule
(i) Stages (ii) As per extant guidelines,
(i) Disbursement in stages or 100% maximum 70% of the total project cost
upfront. will be disbursed initially and remaining
30% will be disbursed after installation of
(ii) If it is stage wise, mention the clause solar roof top. Disbursement shall be
of loan agreement having relevant details done manually by the concerned branch.
(4) Loan term (year/months/days) 60 Months (including moratorium)
(5) Moratorium 3 Months
(6) Instalment details
Type of Instalment Number of EPIs EPI (₹) Commencement of
repayment, post
sanction
MONTHLY 57 3799.00 Within 30 days from
the end of
moratorium date.
(7) Interest rate (%) and type (fixed or 6.00% Floating
floating or hybrid)
(8) Additional Information in case of Floating rate of interest
Reference Benchmark Spread Final rate Reset Impact of change in the reference
rate (%) (%) (S) (%) R = periodicity¹ benchmark (for 25 bps change in ‘R’,
Benchmark (B) (B) + (S) change in:)
(Months)
B S² EPI (₹) No. of
EPIs

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 Repo 5.5% 0.5% 6.00% As and Markup - Once Impact of 57
Rate when in three years Decrease
Repo of 25bps
Rate Credit Risk change in
Changes Premium – As 'R' EMI:-
³ and when credit Rs3777/-.
assessment Impact of
undergoes a Increase
substantial of 25bps
change change in
'R' EMI:-
Rs. 3821.
/-

(9) Fee/ Charges ⁴

Payable to Bank (A) Payable to a third party
through Bank (B)
Fees/Charges One-time ⁵ / Amount (in One-time/ Amount (in
Recurring ⁶ ₹) or Recurring ₹) or
Percentage Percentage
(%) as (%) as
applicable⁷ applicable ⁴
(i) Processing / Upfront fees NA NA NA NA
(ii) Insurance charges NA NA NA NA
(iii) Valuation fees NA NA NA NA
(iv) Any Other Charges ⁸ NA NA NA NA
a) Documentation Charges NA NA NA NA
b) Lead Bank Charges NA NA NA NA
c) Techno Economic Viability NA NA NA NA
Charges
d) Mortgage Creation Charges NA NA NA NA
e) Fee For Opening / Operating NA NA NA NA
TRA / ESCROW Account
f) Loan / Debt Syndication and NA NA NA NA
Project Appraisal Charges
g) Project Implementation & NA NA NA NA
Monitoring Fee & Security
Agency Fee
h) Credit Information Report (CIC) One Time Rs. 100/- + NA NA
Charges GST
i) NeSL Charges NA NA NA NA
j) CERSAI Charges NA NA NA NA
k) Legal Opinion / Charges NA NA NA NA
l) Vetting of Loan Documents NA NA NA NA
m) Any charges other than NA NA NA NA
prescribed above

(10) Annual Percentage Rate (APR) (%) ⁹ 6.00

(11) Details of Contingent Charges (in ₹ or %,
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 (i) Penal charges¹⁰, if The events where the account attracts levying of penal charges are
any, in case of as under:
delayed payment a) Default in repayment of loans;
b) Irregularities in Overdraft accounts;
i. In case of irregularities in OD accounts due to levy of
monthly interest or service charges or/and the outstanding balance
in the OD account is in excess of the sanctioned limit/drawing
power, the customer has to regularize the account within the time
period of 7 days. If the account is not regularized, penal charges is
to be levied from first date of default.
c) Non-submission of complete papers by the borrower for
review/renewal of credit facilities as per terms and conditions of
sanction.
d) Non-creation/perfection of Security as per Terms and
conditions of sanction;
e) Non-compliance of Terms and conditions of sanctions (other
than specified above).
6.3 Penal charges for the period of default is to be levied as under:
I. On the amount of default/irregularity
(i) For any one of trigger events stated at point no. (a) & (b)
above: 2.00% p.a.
(ii) For two or more trigger events stated at point no. (a) & (b)
above: 3.00% p.a.

II. On the total outstanding

(i) For one or more trigger events stated at point no. (c) to (e)
above: 2.00% p.a.

Note for I and II: If the trigger events are a combination of point (a)
to (b) and point (c) to (e) then penal charges shall be capped at 4%
p.a., i.e., 2% on the default/irregularity and 2% on the outstanding
amount.
(ii) Other penal charges As mentioned in point no. 11(i)
if any

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 (iii) Foreclosure Penal charges on pre-payment/foreclosure of loan in case of
charges¹¹, if takeover i.e. loan is prepaid by the non-individual borrower for
applicable shifting to other Bank/ FI.
1. Pre-payment charges shall be applicable @2% of the pre-
paid outstanding amount in case of Term Loans only & not to other
facilities such as Non-Fund based, Working Capital Limits,
Overdrafts etc.
2. However, no prepayment charges are to be levied in the
following cases:
(a) Floating rate term loan (Non-Business) sanctioned to
Individual Borrowers.
(b) Loans sanctioned at a fixed rate with reset clause, if the
borrower exercises his option for floating rate interest at the time of
reset.
(c) Where the loans are prepaid by the borrowers from their own
sources.
(d) Where the borrower shifts to other banks within 30 days from
the date of issuance of circular for upward revision in the spread to
be charged in his account or change in other terms of sanction.
(e) In case of upward revision in the interest rate due to reset of
benchmark rates and the borrower informs the Bank within 30 days
from the date of reset & shifts its account to other Bank within 90
days from the date of reset.
3. Non-repayment of Interest or EMI on the due date will
amount to default and may affect the CIC score.
(iv) Charges for switching 1. At the time of change (Increase/ decrease) in the benchmark
of loans from floating rate, the borrower shall have the option to move/switch over to fixed
to fixed rate and vice rate/floating rate or vice versa on equated installment-based
versa personal loans.
2. In case of Finance for installation of rooftop solar power
system maximum one switchover is permitted during the entire tenor
of the loan.
3. Switchover charges shall be @0.50% of the outstanding loan
amount or Rs. 10,000/-, whichever is lower be applied to cover the
incidental cost incurred by the Bank. GST shall be levied as
applicable in case of any change in applicable charges for switching
over to fixed rate, the same shall also be notified at the website of
the bank [Link].
(v) Any other charges NA
(please specify)
a) Commitment NA
Charges
b) Amendment in Terms NA
and Conditions of
Sanction
c) Others, if any NA

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 ¹ Fixed reset, other than on account of changes in credit profile
² Credit risk premium may undergo change only when borrower’s credit assessment undergoes a
substantial change, as agreed upon in the loan contract. Further, other components of spread i.e.
mark up may be altered once in three years.
³In case of change in Repo Rate by RBI, the repo rate lending rate (RLLR) will be changed from
the next working day for all borrowers.
⁴ Disclose the amount net of any taxes such as GST
⁵ For standalone term loans, with sanctioned limit less than ₹2.00 Cr, only one-time upfront fees
shall be recovered.
⁶ For terms loans less than ₹2.00 Cr which are reviewed along with regular WC facility and term
loans other than retail loans with sanctioned limit of ₹2 Cr & above, annual review charges for
term loan as prescribed by the bank shall be recovered.
⁷ Mention frequency, where recurring
⁸ Specify the other charges applicable as per the bank’s prescribed schedule of charges
⁹ Refer Part B Point No. 9
¹⁰ Penal Charges shall be applicable as per Policy on Penal Charges on Advances
¹¹ Foreclosure Charges shall be applicable, as prescribed in the Policy on Penal Charges on
Advances

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 Key Fact Statement
Section 2 (Other Qualitative Information)
Applicant Name: MANOWAR ALI

Parameter Details
1. Clause of Loan 1. The rights, powers and remedies available under relevant
agreement relating to provisions of Law to the Bank in case of default of repayment of
engagement of loan by the borrower and under these presents may also be
recovery agents ¹² exercised by the Bank through Agents/Recovery agent/
Enforcement agency/BC/CBC and the Bank may engage and
delegate any or all of the said powers and authorities to said
persons.
2. Details of recovery agent /enforcement agency/BC/CBC
shall be informed to the borrower in case of engagement of the said
person by Bank while assigning their account to recovery
agents/enforcement agency.
3. The RBI guidelines /Bank extant guidelines for loan recovery
agent and process shall be adhered to by the Bank.
4. The Bank may at the risk and cost of the Borrower engage
one or more recovery agent/enforcement agency to collect the
Borrower’s outstanding and/or to enforce any security and may
furnish to such person the right and authority to perform and
execute all acts, deeds, matters and things connected therewith or
incidental thereto as the Bank thinks fit and for anything required to
be done for/ in relation to/ pursuant to the loan , including
collections, recovery of dues, getting or verifying any information of
the Borrower/ assets, and any necessary or incidental lawful acts/
deeds/ matters and things connected thereto, as the Bank may
deem fit.
5. Further, the Bank shall be entitled to forthwith take physical
possession of the assets hypothecated and/or mortgaged to the
Bank and alienate sell, transfer the said properties either by itself or
through its recovery agent/enforcement agency and sell or
otherwise deal with the same to enforce the Bank’s security and
recover the dues under relevant provisions of law.
6. The Borrower also agrees that the Bank shall have the absolute
discretion to disclose the information/data relating to the Borrower or
information in respect of the borrowal account with the Bank to Page
5 of 11 any recovery agent/s /enforcement agency/ies as the Bank
may think fit and such recovery agent/s or agency/ies shall take
appropriate steps against the Borrower for recovery of dues or
against the securities offered to the Bank.
¹² Clause 11 of PNB 639 Term Loan agreement provides the clause on “Receiver”

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 2. Clause of Loan There can be instances where the Borrower is not satisfied with the
agreement which services provided. To highlight such instances & register a
details grievance complaint the Borrower may follow the following process:
redressal mechanism a) Borrower can meet or write to the Branch Head of the
concerned branch or
b) The Borrower can complain to customer care through our
website: [Link] or email at care@[Link] or through
Internet Banking/ Mobile Banking or on toll free number.
c) In case the grievance remains unresolved beyond a period
of 15 days, the borrower may escalate the matter to Principal Nodal
Officer, Punjab National Bank, Customer Care Division, Head
Office, Sector 10 Dwarka, New Delhi 110075.
3. Phone number and Email Id : jasveer.singh1@[Link]
email id of the nodal Tel. No. : 011-28044720
grievance redressal Mobile No. : 8865947766
officer¹³
4. Whether the loan is, YES
or in future may be,
subject to transfer to
other Bank/FI or
securitisation (Yes/
No)
5. In case of lending
under collaborative
lending
arrangements (e.g.,
co-lending/
outsourcing),
following additional
details may be
furnished:
(i). Name of the NA
originating Bank/FI,
along with its funding
proportion
(ii). Name of the partner NA
Bank/FI along with its
proportion of funding
(iii). Blended rate of NA
interest
6. In case of digital
loans, following
specific disclosures
may be furnished

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(i). Cooling off/look-up 3 DAYS
period, in terms of
Bank’s board
approved policy,
during which
borrower shall not be
charged any penalty
on prepayment of
loan
(ii). Details of LSP acting NA
as recovery agent
and authorized to
approach the
borrower

This Key Fact Statement (KFS) shall form part of the loan documents to be
executed in pursuance to sanction letter dated 13-09-2025.
Date: 13-09-2025
For Punjab National Bank
Place: AIRKATA Digitally signed by
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Authorized Signatory:

Section 3 (Acknowledgement & Acceptance)

I acknowledge that the contents of KFS have been explained to me by the

Branch and I have understood the same.

Further, I hereby accept the KFS along with the computation of APR and
Amortization schedule.

Date:13-09-2025
Place:AIRKATA
Borrower’s Name & Signature: MANOWAR ALI [ Digitally Accepted Through
OTP ]13-09-2025 18:52:34
Address: C/O: KACHU SHEIKH,BALAJAN
Mobile No. :6900589400

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 Key Fact Statement
ANNEXURE I
(Part-B)
Computation of APR for Digi Surya Ghar

Parameter Details
1. Sanctioned Loan amount (in Rupees) (Sl no. 2 of the Rupees 188000.00 /-
KFS template – Part 1 of Annexure I)
2. Loan Term (in years/ months/ days) (Sl No.4 of the KFS 60 Months
template – Part 1 of Annexure I)
a) No. of instalments for payment of principal, in case of NA
non-equated periodic loan
b) Type of EPI Monthly (EMI)
, Amount of each EPI (in Rupees), and ₹3799.00/-
No. of EPIs (e.g., no. of EMIs in case of monthly 57
instalments)
(Sl No. 5 of the KFS template – Part 1 )
c) No. of instalments for payment of capitalised interest, if NA
any
d) Commencement of repayments, post sanction (Sl No. 5 Within 30 days from the end of
of the KFS template – Part 1 of Annexure I) moratorium date
3. Interest rate type (fixed or floating or hybrid) (Sl No. 6 of Floating
the KFS template – Part 1 of Annexure I)
4. Rate of Interest (Sl No. 6 of the KFS template – Part 1 of 6.00%
Annexure I)
5. Total Interest Amount to be charged during the entire 0
tenor of the loan as per the rate prevailing on sanction
date (in Rupees)
6. Fee/ Charges payable¹⁴ (in Rupees) Rs.100/-
A. Payable to the Bank (Sl No.8A of the KFS template-Part Rs. 100
1 of Annexure I)
B. Payable to third-party routed through Bank (Sl No.8B of NA
the KFS template – Part 1 of Annexure I)
7. Net disbursed amount (1-6) (in Rupees) Rs.187900.00/-
8. Total amount to be paid by the borrower (sum of 1 and 188000.00
5) (in Rupees)
9. Annual Percentage Rate- Effective annualized interest 6.00 %
rate (in percentage )¹⁵ (Sl No.9 of the KFS template-Part
1 of Annexure I)

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 10. Schedule of disbursement as per terms and conditions As per extant guidelines,
maximum 70% of the total
project cost will be disbursed
initially and remaining 30% will
be disbursed after installation of
solar roof top. Disbursement
shall be done manually by the
concerned branch.
11. Due date of payment of instalment and interest Within 30 days from the end of
moratorium date

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 ANNEXURE I
(Part-C)
Amortization Schedule

installment
No. Outstanding Principal (in Interest (in Installment (in
Principal (in Rupees.) Rupeess.) Rupees)
Rupees.)
1 188000 0 940 940
2 188000 0 940 940
3 188000 0 940 940
4 188000 2859 940 3799
5 185141 2873 926 3799
6 182268 2887 912 3799
7 179381 2902 897 3799
8 176479 2916 883 3799
9 173563 2931 868 3799
10 170632 2945 854 3799
11 167687 2960 839 3799
12 164727 2975 824 3799
13 161752 2990 809 3799
14 158762 3005 794 3799
15 155757 3020 779 3799
16 152737 3035 764 3799
17 149702 3050 749 3799
18 146652 3065 734 3799
19 143587 3081 718 3799
20 140506 3096 703 3799
21 137410 3111 688 3799
22 134299 3127 672 3799
23 131172 3143 656 3799
24 128029 3158 641 3799
25 124871 3174 625 3799
26 121697 3190 609 3799
27 118507 3206 593 3799
28 115301 3222 577 3799
29 112079 3238 561 3799
30 108841 3254 545 3799
31 105587 3271 528 3799
32 102316 3287 512 3799
33 99029 3303 496 3799
34 95726 3320 479 3799
35 92406 3336 463 3799
36 89070 3353 446 3799
37 85717 3370 429 3799
38 82347 3387 412 3799
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 40 75556 3421 378 3799
41 72135 3438 361 3799
42 68697 3455 344 3799
43 65242 3472 327 3799
44 61770 3490 309 3799
45 58280 3507 292 3799
46 54773 3525 274 3799
47 51248 3542 257 3799
48 47706 3560 239 3799
49 44146 3578 221 3799
50 40568 3596 203 3799
51 36972 3614 185 3799
52 33358 3632 167 3799
53 29726 3650 149 3799
54 26076 3668 131 3799
55 22408 3686 113 3799
56 18722 3705 94 3799
57 15017 3723 76 3799
58 11294 3742 57 3799
59 7552 3761 38 3799
60 3791 3780 19 3799

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