KEY FACTS STATEMENT

Part 1 (Interest rate and fees/charges)

1. Loan proposal/ account No. PL00001435039 Type of Loan Hybrid Flexi OD

2. Sanctioned Loan amount (in Rupees) 2532800

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) 96 months

5. Principle Repayment Holiday Period (months) 24

6. Instalment details

Number of EPIs Commencement of repayment,

Type of instalments EPI ( )
(EMI) post sanction

Installment Monthly (Principle + Interest) 72 52858 02/03/2028

Installment during principle repayment holiday period (if

24 30584 02/02/2026
applicable) Monthly

Total Monthly 96 - 02/02/2026

Interest rate (%) and type

7. Interest rate (%) 14.49 % Fixed
(fixed or floating or hybrid)

Applicant Signature Co-Applicant Signature

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01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
1/11
Date: Sat Jan 03 13:26:56 IST 2026
 8. Additional Information in case of Floating rate of interest

Impact of change in
the reference
Final rate (%) Reset periodicity
Reference Benchmark Benchmark rate (%) (B) Spread (%) (S) benchmark (for 25 bps
R=(B)+(S) (Months)
change in 'R', change
in:)
B S EPI ( ) No. of EPIs

9. Fee/Charges

Payable to the RE (A) Payable to a third party through RE (B)

Amount (in ) or Amount (in ) or

One-time/Recurring Percentage (%) as One-time/Recurring Percentage (%) as
applicable applicable

(i) Processing fees One Time 59774

(ii) Insurance charges One Time 32800.0

(iii) Valuation fees NA NA

(iv) Stamp Duty Fees One Time 118

Credit Fitness Report

(v) One Time 0
Charges

Principle Holiday facility

(vi) One Time 11799
fees

Annual Percentage
10. 21.29 %
Rate (APR) (%)

11. Details of Contingent Charges (in or %, as applicable)

Penal charges, if any, in case of delayed

(i) 3% p.m. (36% p.a.) on the overdue amount for the delayed period
payment

(ii) Other penal charges, if any

Applicant Signature Co-Applicant Signature

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01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
2/11
Date: Sat Jan 03 13:26:56 IST 2026
 Penal charges for non-compliance with material
terms and conditions
(a) (covenants / stipulated conditions) mentioned in 2% p.a. on the outstanding loan amount till the date of compliance
the Sanction Letter / Loan Agreement, wherever
applicable

Cancellation allowed within 7 days from the date of disbursal subject to following
charges:
1) The applicable processing fee to be retained before reversing the funds
2) For any cross-sell product, including third-party product fees, the charges
should be retained before reversing any funds. Only insurance-related charges will
(b) Charges for Cancellation of Loan be reversed if the customer has made an upfront payment, provided the
associated policy is canceled and the corresponding refund amount is received by
ABCL
3) Rs. 2000 charge of cancellation to be paid by the customer

Post cooling off period Foreclosure charges are applicable

Penal charges - Cheque return/bounce charges /

(c) Rs. 1000 per instance
ECS/SI/NACH failure charges

Penal Charges - Mandate Cancellation Charges

(One-time levied in case customer cancels an
(d) Rs. 450
active mandate instruction for recurring
repayment(s) and no new mandate is registered)

For Term Loan & Hybrid Term Loan Facility –Charges

A) Nil Charges – If Total Part prepayment made during the year is up to 20% of
the principal outstanding amount, calculated on per transaction basis
B) Upto 5% on Remaining Part Payment amount – If Total part prepayment during
the year surpasses 20% threshold, calculated per transaction basis
(e) Part pre-payment charges
Conditions
A) No pre – payment is allowed in first 12 months from the date of disbursement

For Flexi Loan Facility & Hybrid DLOD –

A) No charges for payments through mobile app/portal
B) Part pre-payment of loan facility towards limit reduction is not available

For Term Loan & Hybrid Term Loan –

Upto 5% of the Principal outstanding amount
For Flexi Loan & Hybrid DLOD –
(iii) Foreclosure charges, if applicable Upto 5% of the total withdrawable amount

Consider
12 months from the date of loan disbursal.

(iv) Any other charges (please specify)

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01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
3/11
Date: Sat Jan 03 13:26:56 IST 2026
 Penal Charges - Mandate Cancellation Charges (One-time levied in case
(a) customer cancels an active mandate instruction for recurring Rs. 450
repayment(s) and no new mandate is registered)

(b) Duplicate No Due Certificate issuance charges Rs. 1000 per instance

Charge For Exchanging PDCs, Security Cheques (Per Set) / ECS / NACH re-
(c) Rs. 750 per instance
registration charges

Loan Re-schedulement charges (on request from applicants, approval be at sole

(d) Rs. 5,000 per instance
discretion of ABCL)

For Flexi Loan & Hybrid Dropline OD facility

0.25% on total withdrawable amount deducted at the
(e) Annual Maintenance Charges
beginning of each year, irrespective of utilisation on the
date of levy of such charges

(f) Legal and other statutory charges As per actual, where applicable

(g) Filing Financial information with Information Utility (NeSL) As per actual, where applicable

ABCL shall charge and collect BPI (Broken Period

(h) Broken Period Interest
Interest) as applicable based on actual disbursement date

(i) Stamp Duty As per actual, where applicable

(j) Cheque Re-issuance charges Rs. 500 per instance

(k) Insurance Premium As per actual, where applicable

For Hybrid TL & Hybrid OD

Rs. 4999/- for Loan Amount less than equals to 10 Lacs
(l) Principle Holiday facility fees
Rs. 9999/- for Loan Amount more than 10 Lacs
Will be deducted upfront from the loan amount

Note: GST at applicable rates, shall be levied as per the prevailing law for Banking & Financial services sector including NBFC.

Applicant Signature Co-Applicant Signature

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01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
4/11
Date: Sat Jan 03 13:26:56 IST 2026
 Part 2 (Other qualitative information)

Engagement of recovery agents:

In case of non-payment of the loan amount, interest, and other charges as per the terms of the loan documents, the
Lender reserves the right to engage recovery agents / service providers for the purpose of recovering any outstanding /
overdue amount and other charges. Lender or its authorized service provider(s) may approach the borrower, co-borrower,
and guarantor for the payment of the outstanding / overdue amount and other charges, by way of call(s), SMS(s), email(s),
and in person visit(s), in accordance with the Fair Practice code stipulated by the Reserve Bank of [Link] withstanding
Clause of Loan
anything mentioned hereinabove, in the event of non- payment of the outstanding/ overdue loan amount and other charges
agreement
by the borrower/ co-borrower/guarantor, the Lender may resort to legal recourse.
1. relating to
engagement of
The Borrower agrees, confirms and understands that the Lender might resort to such legal recourse either directly, or
recovery agents
through the Lending Service Provider, or any of its third party agents, officers, or collections agencies.

The abovementioned clause can be referred in the Loan Agreement under clause no. - MITC - Default - clause 3

Details of recovery agent(s) authorized to approach the borrower [Link]

recovery-agency-lists

Grievance Redressal Mechanism:

Customers who wish to provide feedback or send in their complaint may use the following channels:
. Call at our Customer Care number between 9:00 am and 7:00 pm from Monday to Sunday: 18002707000
. Email at:
[Link]@[Link] for raising Queries/Request
Clause of Loan [Link]@[Link] for raising Complaints
agreement which . Write to us at the below mentioned address: Aditya Birla Capital Ltd, Ground floor, R Tech Park, Nirlon Complex,
2. details grievance Goregaon, Mumbai - 400063
redressal
mechanism Details of the Grievance Redressal Officer / Principal Nodal Officer along with the details of escalation mechanism and the
complaint lodging portal of the Ombudsman are available on the website and branches of the Company.
For information on grievance redressal visit: [Link] The above
mentioned clause can be referred in the Loan Agreement under clause no. Standard Terms and Conditions - Default -
Grievance Redressal Mechanism

Applicant Signature Co-Applicant Signature

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01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
5/11
Date: Sat Jan 03 13:26:56 IST 2026
 Phone No.: 08045860196
3. Phone number and email id of the nodal grievance redressal officer
Email Id.: [Link]@[Link]

Whether the loan is, or in future maybe, subject to transfer to other REs or
4. Yes
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 with its funding Name of the partner RE along with its proportion of Blended rate of
proportion funding interest

NA NA NA

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

Cooling off/look-up period, in terms of RE's board approved policy, during

i. NA
which borrower shall not be charged any penalty on prepayment of loan

Details of LSP acting as recovery agent and authorized to approach the

ii. NA
borrower

Computation of APR

Sr No Parameter Details

1. Sanctioned Loan amount ( ) 2532800

2. Loan Term (in years/ months/ days)

a) No. of instalments for payment of principal, in case of non-equated periodic loans

b) Installment Details - Type Monthly

Amount of each EPI (in Rupees) and 52858

nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 72

Amount of each EPI for Principle Repayment Holiday Period (in Rupees) (if applicable) 30584

Nos. of EPIs for Principle Repayment Holiday Period (if applicable) 24

Total nos. of EPIs 96

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

([Link] -
01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
6/11
Date: Sat Jan 03 13:26:56 IST 2026
 c) No. of instalments for payment of capitalised interest, if any

d) Commencement of repayments, post sanction 33 days

3. Interest rate type (fixed or floating or hybrid) Fixed

4. % Rate of Interest 14.49 %

Total Interest Amount to be charged during the entire tenor of the loan as per the
5. 2037530
rate prevailing on sanction date ( )

6. Fee/ Charges payable ( ) 104491.00

A Payable to the RE 71573.0

B Payable to third-party routed through RE 32918.00

7. Net disbursed/received amount (1-6) ( ) 2428309.00

8. Total amount to be paid by the borrower (sum of 1 and 5) ( ) 4570330

9. Annual Percentage rate - Effective annualized interest rate (%) 21.29 %

As per Terms and conditions/Special conditions

10. Schedule of disbursement as per terms and conditions
mentioned in sanction letter

11. Due date of payment of instalment and interest 02/02/2026

"I/we have read and understood the above information and accept the same"

Applicant Signature Co-Applicant Signature

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01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
7/11
Date: Sat Jan 03 13:26:56 IST 2026
 Repayment Schedule

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

0 2532800 0 30584 30584

1 2532800 0 30584 30584

2 2532800 0 30584 30584

3 2532800 0 30584 30584

4 2532800 0 30584 30584

5 2532800 0 30584 30584

6 2532800 0 30584 30584

7 2532800 0 30584 30584

8 2532800 0 30584 30584

9 2532800 0 30584 30584

10 2532800 0 30584 30584

11 2532800 0 30584 30584

12 2532800 0 30584 30584

13 2532800 0 30584 30584

14 2532800 0 30584 30584

15 2532800 0 30584 30584

16 2532800 0 30584 30584

17 2532800 0 30584 30584

18 2532800 0 30584 30584

19 2532800 0 30584 30584

20 2532800 0 30584 30584

21 2532800 0 30584 30584

22 2532800 0 30584 30584

23 2532800 0 30584 30584

24 2532800 0 30584 30584

25 2510526 22274 30584 52858

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([Link] -
01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
8/11
Date: Sat Jan 03 13:26:56 IST 2026
 26 2487983 22543 30315 52858

27 2465168 22815 30043 52858

28 2442077 23091 29767 52858

29 2418708 23369 29489 52858

30 2395056 23652 29206 52858

31 2371119 23937 28921 52858

32 2346893 24226 28632 52858

33 2322374 24519 28339 52858

34 2297559 24815 28043 52858

35 2272445 25114 27744 52858

36 2247027 25418 27440 52858

37 2221302 25725 27133 52858

38 2195267 26035 26823 52858

39 2168917 26350 26508 52858

40 2142249 26668 26190 52858

41 2115259 26990 25868 52858

42 2087943 27316 25542 52858

43 2060297 27646 25212 52858

44 2032318 27979 24879 52858

45 2004001 28317 24541 52858

46 1975342 28659 24199 52858

47 1946337 29005 23853 52858

48 1916982 29355 23503 52858

49 1887272 29710 23148 52858

50 1857203 30069 22789 52858

51 1826771 30432 22426 52858

52 1795972 30799 22059 52858

53 1764801 31171 21687 52858

54 1733253 31548 21310 52858

55 1701325 31928 20930 52858

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([Link] -
01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
9/11
Date: Sat Jan 03 13:26:56 IST 2026
 56 1669011 32314 20544 52858

57 1636307 32704 20154 52858

58 1603208 33099 19759 52858

59 1569709 33499 19359 52858

60 1535806 33903 18955 52858

61 1501493 34313 18545 52858

62 1466766 34727 18131 52858

63 1431620 35146 17712 52858

64 1396049 35571 17287 52858

65 1360049 36000 16858 52858

66 1323614 36435 16423 52858

67 1286739 36875 15983 52858

68 1249419 37320 15538 52858

69 1211648 37771 15087 52858

70 1173421 38227 14631 52858

71 1134733 38688 14170 52858

72 1095577 39156 13702 52858

73 1055949 39628 13230 52858

74 1015842 40107 12751 52858

75 975251 40591 12267 52858

76 934170 41081 11777 52858

77 892593 41577 11281 52858

78 850514 42079 10779 52858

79 807926 42588 10270 52858

80 764824 43102 9756 52858

81 721202 43622 9236 52858

82 677053 44149 8709 52858

83 632371 44682 8176 52858

84 587149 45222 7636 52858

85 541381 45768 7090 52858

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([Link] -
01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
10/11
Date: Sat Jan 03 13:26:56 IST 2026
 86 495061 46320 6538 52858

87 448181 46880 5978 52858

88 400735 47446 5412 52858

89 352716 48019 4839 52858

90 304118 48598 4260 52858

91 254933 49185 3673 52858

92 205154 49779 3079 52858

93 154774 50380 2478 52858

94 103785 50989 1869 52858

95 52181 51604 1254 52858

96 0 52181 631 52812

This offer is open to acceptance till 10/01/2026 . If not accepted within this period, the terms and conditions may be subject to revision.

Applicant Signature Co-Applicant Signature

Aditya Birla Capital Limited

Registered Office: Indian Rayon Compound, Veraval - 362 266, Gujarat | CIN: L64920GJ2007PLC058890.
Corporate Office: One World Centre, Tower 1, 18th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400
013.
For customer care and other queries: [Link]@[Link]
Toll-free no.: 1800-270-7000 | [Link]

Terms and conditions apply. Credit at sole discretion of Aditya Birla Capital Limited (ABCL) and subject to credit appraisal,
eligibility check, rates etc. ABCL may use the services of their authorized agencies in servicing the requirements.

eSigned using Aadhaar

([Link] -
01KE1AM0R6W2675F39RQPCAZ0
D)
PRASANNA GOLSANGI
11/11
Date: Sat Jan 03 13:26:56 IST 2026