Personal Loan Term & Overdraft Agreement

Terms and Conditions – Personal Loan Facility

(A) The Borrower has represented to the Lender that the Borrower is in need of initial finance facility from the Lender
and requested the Lender to provide such initial finance facility. The Borrower has further requested the Lender
to provide for an additional top-up facility also.

(B) The Lender has agreed to grant the said initial finance facility for an amount specified in the Loan details section
(“Initial Facility”) on the terms and conditions contained herein and the Master Terms and Conditions registered
as Document No. 8980-2018 on November 6, 2018 with the Sub-Registrar at Mumbai City - 3 (hereinafter severally
referred to as “Master T&Cs”). Based on the request of the Borrower, the Lender has agreed, that, upon the
completion of 12 months from the date of first disbursement under the Initial Facility (“Period”) or such other
period as may be agreed, subject to the Borrower meeting the credit and other criteria of the Lender, the Borrower
shall be entitled to an additional facility not exceeding the amount as specified in the Loan details section
(“Additional Facility”), without further act or deed and the same may be disbursed to the Borrower at any time
after the said Period at the discretion of the Lender on the terms and conditions contained herein and the Master
T&Cs.

(C) The Lender shall, at its sole discretion, without assigning any reason, be entitled to cancel or reduce the Additional
Facility. The term “Facility” shall include the Initial Facility and also the Additional Facility and unless repugnant to
the context, references to the term ‘Facility’ in the Master T&Cs shall be read and construed accordingly.
(D) The Lender has agreed to extend the Facility to the Borrower, on the faith of the undertakings, representation and
warranties made by the Borrower (as more particularly stated in the Facility Documents).

1. Definitions and Interpretation:

(a) The capitalised terms wherever used in these Terms and Conditions, unless the context otherwise requires, have the
meanings ascribed to them in the Master T&Cs.
(b) The rules of interpretation as set out in the Master T&Cs shall apply mutatis mutandis to these Terms and Conditions.

2. Facility
(a) The Borrower agrees to borrow, and the Lender agrees to grant to the Borrower, the Facility, being the amount
specified in Loan details section and on such terms and conditions contained herein and in the Master T&Cs for the
Purpose as mentioned in the Facility Documents.
(b) The Borrower shall not be entitled to cancel or refuse to accept Disbursement of the Facility upon acceptance of these
Terms and Conditions except with prior written approval of the Lender and upon payment of such cancellation charges
as set out in the Loan details section. Further, such cancellation shall take effect only when the Borrower has paid to
the Lender the Outstanding in full to the Lender’s satisfaction.
(c) Borrower understands and agrees that no deferment of instalments or moratorium on account of Covid-19 as
contemplated by the COVID-19 – Regulatory Package announced by RBI or the relevant policy of Tata Capital shall be
available for this loan and borrower shall not apply for the same.

3. Repayment and Interest

(a) The Instalments and all other Outstanding from time to time with respect to the Initial Facility shall be paid / repaid
by the Borrower on or before the respective Due Dates in accordance with the Repayment Schedule as set out in the
Loan details section. The details of tenure, repayment etc. in respect of the Additional Facility shall be provided to the
Borrower at the time of availing the Additional Facility and shall be payable by the Borrower on or before their
respective Due Dates.
(b) Without prejudice to the rights of the Lender under the Facility Documents, the Interest shall be computed at a fixed
rate and shall be payable at such rate as set out in the Loan details section and the Interest shall be computed on the
actual daily outstanding principal balance of the Facility on the basis of a 360 days’ year and actual number of days
elapsed and compounded with monthly rests on the outstanding balance of the Facility at the end of every calendar
month.

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

4. Additional Interest

In case of default by the Borrower in the repayments of the Facility on the relevant Due Date or any other delay/
default/ breach committed by the Borrower, the Lender shall have a right at its option to charge Additional Interest
as set out in the Loan details section, over and above the prevailing interest rate for the period during which such
default continues.

5. Prepayment

The Borrower may be permitted to make part or full prepayment of the Outstanding on the terms and conditions
contained in the Master T&Cs and by making payment of applicable Prepayment / Foreclosure charges as set out in
the Loan details section and as may be revised by the Lender from time to time at its sole discretion.

6. Costs and Expenses

The Borrower shall be liable to pay Dishonour Charges and such other charges, costs, expenses related to and arising
out of the Facility as set out in the Loan details section. The Lender in its sole and absolute discretion reserves the
right to periodically review, revise, re-negotiate, waive any such charges or levy any new charges which shall be
updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the Borrower. The Borrower
shall be liable to pay such charges without any demur or delay and shall not be entitled to raise any objections. The
Borrower shall be liable to pay the Processing Fee set out in the Loan details section in respect of the Initial Facility as
also the Additional Facility.

7. Disclosure

The Borrower hereby agree and consent for disclosure and sharing of the information and data and for being
contacted vide various communication modes notwithstanding their names and / or numbers appearing in the Do Not
Call or Do Not Disturb registry, as per the terms and conditions contained in the Master T&Cs.

8. Lien, Set-off, Cross Default

Any default by the Obligors or by any Affiliate of the Obligors or any entity related to or connected with the Obligors
under any agreement, arrangement, guarantee, and/or under any of its/their indebtedness (whether actual or
contingent, or whether primary or collateral, or whether joint and/ or several), with the Lender or its
subsidiaries/fellow subsidiaries/Affiliates/any other entity forming part of Tata Group, shall constitute an Event of
Default under the Facility and vice-versa. The Lender, its Affiliates and entities/persons in the Tata Group shall have a
paramount lien and right of set-off on/against all other, present as well as future monies, securities, deposits of any
kind and nature, all other assets and properties belonging to the Obligors’ credit (whether held singly or jointly with
any other person), which are deposited with/under the control of the Lender its Affiliates and/or entities/persons in
the Tata Group pursuant to any contract entered/to be entered into by the Obligors in any capacity, notwithstanding
that such deposits may not be expressed in the same currency as the indebtedness. The Lender, its Affiliates and
entities/persons in the Tata Group shall be entitled and authorized to exercise such right of lien and set-off against all
such amounts/assets/properties for settlement of any amounts due or liabilities owed to them or any of them with or
without any further notice to any Obligor. In this regard, any discharge given by the Lender to its Affiliates and/or
entities/persons in the Tata Group shall be valid and binding on the Obligors. It shall be the Obligors’ sole responsibility
and liability to settle all disputes/objections with such joint account holders. If so required, the Lender, its Affiliates
and entities/persons in the Tata Group shall be well within their rights to exercise the right of set-off against the money
lying in the joint account(s) or in any deposit/bond/other assets held jointly, for settlement of any amounts due or
liabilities owed to them or any of them. Further, the Obligors hereby authorize the Lender to make payments to the
Lender’s Affiliates and/or entities/persons in the Tata Group, for any amounts owed by an Obligor to such Affiliates of
the Lender and/or entities/persons in the Tata Group, out of any excess moneys received/recovered by the Lender
from the Obligors.

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

9. Other Conditions

(a) The Borrower shall abide by all terms and conditions as specified in the Master T&Cs including without limitation
general and special covenants mentioned therein, which shall form an integral part of these Terms and Conditions
as if incorporated herein. In case of any inconsistency or repugnancy between the terms of these Terms and
Conditions and the Master T&Cs, the terms of these Terms and Conditions shall prevail. It is hereby clarified that
Clause 1.1(v) and Clause 11 as appearing in the Master T&Cs shall be deemed to be deleted from the Master T&Cs.
(b) Nothing contained herein shall limit the rights of the Lender to enforce these Terms and Conditions independently
and in exclusivity to the Facility Documents.
(c) The Borrower hereby state that the Borrower has read and understood the Master T&Cs, a copy of which is available
on the website (i.e. www.tatacapital.com), and hereby agree to be bound by the terms and conditions as contained
in the Master T&Cs read with these Terms and Conditions.
(d) The Borrower shall adhere to the timelines set out in the Loan details section.
(e) Notwithstanding anything contained in the Facility Documents, the Lender may at its sole and absolute discretion,
without assigning reasons, and without notice to the Borrower, cancel the Facility or any part thereof and/or demand
immediate repayment of all Outstanding under/in relation to the Facility. The Lender shall intimate the Borrower
regarding such cancellation.

10. Arbitration
If any dispute, difference or claim arises between any of the Borrower and the Lender in connection with the Facility or
as to the interpretation, validity, implementation or effect of the Facility Documents or as to the rights and liabilities of
the parties under the Facility Documents or alleged breach of the Facility Documents or anything done or omitted to be
done pursuant to the Facility Documents, the same shall be settled by arbitration by a sole arbitrator to be appointed
by any of the following institutions:
(a) The Council for National and International Commercial Arbitration having its office at Unit No.208, 2nd Floor,
Beta Wing, Raheja Towers, Nos.113-134, Anna Salai, Chennai – 600002
(b) Centre for Online Resolution of Disputes having its office at F-14, 3rd Cross, Manyata Residency, Manyata
Tech Park, Bengaluru – 560045
(c) The Centre for Alternative Dispute Resolution Excellence having its office at 107C, Mulberry Woods, Janatha
Colony, Carmeleram Station Road, Doddakanneli, Bengaluru -560035.
(d) ADR E-Sarvatra Private Limited having its office at 63, Palace Road, Vasanth Nagar, Bengaluru- 560052
(e) Any arbitral institution designated under the provisions of the Arbitration or Conciliation Act, 1996 (“the Act”)
or any panel of arbitrators maintained under the provisions of that Act.
Hereinafter referred to as (“Institution”) in accordance with the rules of the Institution as prevailing and as
amended from time to time.
The arbitration proceedings shall be based on documents only which shall be conducted through exchange of e-
mail and/or any other mode of electronic communication as permitted by the rules of the Institution or through
an online dispute resolution by the web portal offered by the Institution. The parties hereby agree that the arbitral
proceeding shall be conducted in electronic mode and all pleadings and documents will be exchanged
electronically. There shall be no in-person and/or oral hearings except in certain exceptional circumstances as the
sole arbitrator may deem fit upon the request of either of the parties. In such instances, the hearings shall be
conducted virtually at the sole discretion of the arbitrator. The seat of arbitration for all purposes shall be at
Chennai. The language of arbitral proceedings shall be English.
In the event the arbitrator to whom the matter is originally referred, resigns or dies or is unable to act for any
reason, the Institution shall appoint another person in his/her place to act as arbitrator who shall proceed with the
reference from the stage at which it was left by his/her predecessor.
The arbitrator so appointed shall have the power to pass an award and also to pass interim orders/directions as
may be appropriate to protect the interest of the parties pending resolution of the dispute. A certified copy of the
award passed by the arbitrator, a digitally signed copy of the same or a scan copy of the same shall be sent to the
parties through e-mail or any other electronic mode including the web portal as the Institution deems fit which
shall be considered as a signed copy.

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

All notices, processes and communications between the parties with respect to the arbitration proceedings shall
be through e-mail or any other mode of communication permitted by the Institution notwithstanding the notice
clause contained in the Agreement which shall continue to apply to all other communications between the parties.
It shall be the responsibility of the Lender and Borrower(s) to maintain sufficient space in the e-mail account and/or
in any other mode of electronic account(s) and also to have supporting applications/software in their
computer/mobile/any other electronic device to access the electronic documents sent to them. It shall also be the
responsibility of the Lender and Borrower(s) to save the emails in the address book. The delivery of emails to spam,
promotion, etc., shall also be a deemed delivery.
The courts at Chennai shall have exclusive jurisdiction in respect of matters arising under this Agreement including
any application for setting aside the award/appeal and the Lender/ Borrower(s) shall not object to such jurisdiction.
The arbitration shall be conducted under the provisions of the Arbitration and Conciliation Act, 1996 together with
its amendments, any statutory modifications or re-enactment thereof for the time being in force. The award of
the arbitrator shall be final and binding on all parties concerned. The cost of arbitration shall be borne by the
Borrower.

11. Jurisdiction

Subject to Clause 10 above, the Parties hereto agree that all disputes arising out of and/or in relation to these Terms
and Conditions, shall be subject to exclusive jurisdiction of the courts/tribunals at Chennai. The Lender may, however,
in its absolute discretion commence any legal action or proceedings arising out of these Terms and Conditions in any
other court, tribunal or other appropriate forum and the Borrower hereby consents to that jurisdiction.

12. Miscellaneous Terms

(a) This Terms and Conditions is the Specific Agreement as referred to in the Master T&Cs
(b) The Borrower hereby agree that this is a legally binding document between the Borrower and the Lender
(c) In the event any amount is not paid when due, the account will be flagged as overdue as part of day-end process
as SMA or NPA (as the case may be) in accordance with the extant RBI Circular. Examples of classification of an
account as SMA/ NPA categories are provided on our website www.tatacapital.com at POLICIES, CODES & OTHER
DOCUMENTS --- TATA Capital Financial Services limited ----- RBI Circular on Provisioning. You may also browse the
link at:
https://www.tatacapital.com/content/dam/tata-capital/pdf/tcfsl/regulatory-
policies/Examples_of_SMA_NPA_Classification_TCFSL.pdf
Examples_of_SMA_NPA_Classification_TCFSL.pdf. The Obligors confirm that they have read, understood and
accepted the same”.

Signed and delivered by the within named Lender Signed and delivered by the within named
Tata Capital Financial Services Limited BORROWER/S Mr./Ms./M/s.
by the hands of its Authorized Signatory/ Constituted CHILUKURI DEVI SIVA SAIKUMAR
Attorney Mr Deepak Aggarwal

For Tata Capital Financial Services Limited

IPAddress: 49.205.106.131:52640
Signature Not Verified
Signed by : DS TATA CAPITAL FINANCIAL SERVICES LTD 4
Reason : Loan Purpose
Location : Mumbai
Date : 2023-04-19 16:36:55 IST Date 19-04-2023 16:36:42

Authorised Signatory/ies

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

Personal Loan - Key Fact Statement & Loan Details

1) Place of Execution Vijayawada
2) Date of Execution 19/04/2023
3) Name of Regulated Tata Capital Financial Services Limited
Entity
4) Details of the a) Name: CHILUKURI DEVI SIVA SAIKUMAR
Borrower/s & Co- b) Constitution: Individual
Borrower/s c) Address 49 3 188cBUDAMERU MADYAKATTA MURALI NAGAR NEAR LALITHAPARMESWARI TEMP GUNADALA city VIJAY
a) Name NA
b) Constitution NA
c) Address NA
5) Purpose Personal Use
6) a. Amount of the Rs. _______________________
770900 /- (Rupees
Initial Facility/ ______________________________________________________________
SEVEN LAKH SEVENTY THOUSAND NINE HUNDRED only)
Loan Amount
b. Amount of Rs. _______________________ /-
Additional Facility (Rupees ______________________________________________________________only)

7) Processing Fees ________%

1.50 of the Loan Amount/ Facility amount Rs. 13644.93
8) Other Deductions a) Insurance & Third-Party Product Charges Rs. 5599
b) Stamp Duty Rs. 0.00
c) Broken Period Interest Rs. 0.0
d) Other Charges (if any) Rs. 0.00
e) Total Deductions (a + b + c + d) Rs. 5599
9) Net Disbursed
Amount (6) less (7 + 8.e) Rs. 751656.07

10) Type of Facility Term Loan Facility: 

✔ or Revolving Facility:  Tenure (in Months): _____________
60
opted
If Revolving Facility, then
a)
Maximum Credit Limit Rs. _________________/-
(Rupees____________________________________________________________)
b)  Dropline Facility

 Flexi Facility (Combination of Fixedline + Dropline) of which Fixedline tenure of

___________ months.

c) Frequency at which the Maximum Credit Limit shall be reduced: Monthly

d) Amount by which Maximum Credit Line shall be Maximum Credit Limit
reduced on the frequency specified in (c) above: Remaining Tenure
11) Repayment a) First EMI due on 05/06/2023
Schedule b) Last EMI Date 05/05/2028
c) Instalment Due Date 5th of every month
d) No. of Instalments of Repayment 60
e) Monthly Instalment payable (including insurance in case of Rs. ______________
21291.42 per
insurance provision) under term loan facility month
f) Repayment frequency by the Borrower Monthly
12) Moratorium period
(if any)
13) Interest Payable a) Interest Type: Fixed
b) Rate of Interest: 22.00 % p.a.
c) Total interest charge during the entire tenor of the loan 506585.0
14) Additional Interest a) For default in payment of interest and/ or principal amounts – 3% per month on
overdue amount (Annualized penal charge of 36%)

b) For delay or non-submission of the financial statements or such other documents as

required under the Facility Documents - 3% per month (Annualized penal charge of
36%)

15) Part Prepayment:

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

Part-Prepayment/ Lock-in Period: 12 months from the date of first disbursement

Prepayment/ a) Part Prepayment is allowed once per year and the minimum gap between two-part
Foreclosure prepayments to be six months.
Charges b) A maximum of 50% of the principal outstanding is allowed by way of part prepayment during
a single year.
c) A part prepayment charge of 2.5% shall be applicable on amount over and above 25% of
principal outstanding and upto maximum 50% of principal outstanding.
d) No part payment is allowed during the Lock-in period
e) Minimum Part prepayment amount to be greater than or equal to 2 months EMI
Foreclosure charges on Term Loan Facility:
a) 4.5% on the principal outstanding at the time of foreclosure.
b) In case the Borrower forecloses the Facility within 12 months after doing part-prepayment,
foreclosure charges of 4.5% will be levied on the principal outstanding plus part
prepayment amount.
c) Any prepayment/foreclosure made during the Lock-in period will attract additional 2% over
and above the prepayment/ foreclosure charges mentioned in (a) above on the principal
outstanding at the time of foreclosure.
Foreclosure charges on Top-up:
a) 2.50% on the principal outstanding at the time of foreclosure.
b) Foreclosure charges shall be levied only if new rate is lower than existing rate.
c) Any prepayment/ foreclosure made during the Lock-in Period will attract prepayment/
foreclosure charges of 4.5% on the principal outstanding.
Foreclosure Charges in Dropline Facility:
a) 4.5% on the Dropped down limit amount.
b) Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2% over
and above the prepayment/ foreclosure charges mentioned in (a) above on the Dropped
down limit
16) Charges a) Payment Instruments Rs. 550/- per instance
swapping
b) Dishonour Charges Rs. 600/- for every Cheque/ Payment Instrument Dishonour
c) Mandate Rejection Rs. 450/-
Service Charges (Charges will be levied if new mandate form is not registered
within 30 days from the date of rejection of previous mandate form
by Borrower’s bank for any reasons whatsoever.)
d) Annual Maintenance 0.25% on Dropline Amount + GST or Rs. 1000, (whichever is
Charges for PL higher) per year will be deducted from the limit and shall be
Overdraft (Dropline payable at the end of the 13th month.
facility)
e) Cancellation charges 2% of the Loan Amount/ Facility amount OR
Rs. 5750/-
Whichever is higher
f) Duplicate Repayment Rs. 550/-
Schedule
g) Duplicate NOC Rs. 550/-
h) Outstation collection Rs.100 /- + GST per repayment instrument
charges
i) Statement of Account Customer portal – Nil
(SOA) Branch walk in – Rs. 250/-
j) Foreclosure Letter Customer portal – Nil
Charge Branch walk in – Rs 199/-
Legal Charges
a) SEC 138 & Sec 25 Rs. 3400/-
filing
b) Arbitration Filing Rs. 4000/-
c) Receiver Order District Court: Rs. 4000/- and High court: Rs. 13,500/-
d) Notice Rs. 125/-
e) Legal Notice Rs. 300/-
f) Charge for Notice & Rs. 3000/-
another legal notice
g) Execution of award Rs. 5600/-
17) Insurance & Third- a) Life Insurance Premium
Party Product b) General Insurance Premium
Charges
c) Health Insurance Premium

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

d) IHO Plan Amount 0

e) One Assist Plan Amount 5599
f) CPP Plan Amount 0
18) Other Important a) Total Amount to be paid by the borrower (6 + 13.c) Rs. 1277485.0
Details b) Annual Percentage Rate % - Effective annualized interest 23.23 % p.a.
rate (in percentage) (computed on net disbursed amount
using IRR approach and reducing balance method)
Note: APR may change in case there is change in the
Scheme opted.
19) Other Disclosures a) Cooling off/ look-up period during which borrower shall not 5 days from the date of
be charged any penalty on prepayment of loan loan disbursal
b) Details of LSP acting as recovery agent and authorized to Not Applicable
approach the borrower
c) Details of Nodal Grievance Redressal Officer:
i) Name Francyna Dias
ii) Designation, Grievance Redressal Officer
iii) Address 11th Floor, Tower A, Peninsula Business Park, Ganpatrao
Kadam Marg, Lower Parel, Mumbai - 400013
iv) Phone No. 18602676060
If you are not satisfied with the resolution, please visit the link: https://www.tatacapital.com/contact-
us/customer-grievances.html and submit your grievances.
Note: (GST, other government taxes and levies as applicable, will be levied on all fees and charges in
this document)
20) Place of Arbitration Delhi  Chennai  Mumbai  Kolkata  Bangalore 
(Tick, whichever is
applicable)
21) Jurisdiction Delhi  Chennai  Mumbai  Kolkata  Bangalore 
(Tick, whichever is
applicable)
22) Timelines Sr. Conditions Relevant Provisions Timelines
No. in T&Cs
a) End use certificate shall be Clause 2(C)(i) Within 30 days
provided by the Obligors to
the Lender
b) Fresh Payment Instruments Clause 5.14 and/or Within 7 days
shall be delivered by the Clause 5.18
Obligors to the Lender
c) TDS certificate in the Form Clause 5.25.5 Within 45 days from the end of
No. 16A of the IT Act the relevant quarter in which
downloaded from the TDS tax is deducted and within 75
Reconciliation Analysis and days from the end of the last
Correction Enabling System quarter of the financial year
(“TRACES”) website shall be
provided by the Obligors to
the Lender
d) An amount equivalent to the Clause 5.25.5 Within 90 days
TDS amount paid by the
Obligors shall be refunded to
the Borrower by the Lender
upon receipt of the TDS
certificate and subject to
compliance with the
conditions stipulated in the
relevant provision of the
T&Cs.
e) TDS refund claim will not be Clause 5.25.5 after the 30 days of the
entertained by the Lender. succeeding financial year
f) Credit of the TDS amount Clause 5.25.9 not later than 60 days of the
may be requested by the succeeding financial year
Obligors by furnishing of the
TDS certificate.
g) Joint and several liability of Clause 11 within 15 days from the date of
the Obligors to indemnify demand
and keep the Indemnified
Person(s) indemnified and
harmless.

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

Signed and delivered by the within named Lender Signed and delivered by the within named BORROWER/S Mr./Ms./M/s.
Tata Capital Financial Services Limited CHILUKURI DEVI SIVA SAIKUMAR
by the hands of its Authorized Signatory/ Constituted
Attorney Mr. Deepak Aggarwal

For Tata Capital Financial Services Limited

Signature Not Verified IPAddress: 49.205.106.131:52640
Signed by : DS TATA CAPITAL FINANCIAL SERVICES LTD 4
Reason : Loan Purpose
Location : Mumbai
Date : 2023-04-19 16:36:55 IST Date: 19-04-2023 16:36:43
Authorised Signatory/ies

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

Installment or Repayment Schedule Chart

Amount (Rs.)
Effective
Opening
Instl. # Due Date Installment Principal Interest Rate (%) /
Balance Days
1 05/06/2023 770,900 21,291 7,158 14,133 22.00/30
2 05/07/2023 763,742 21,291 7,289 14,002 22.00/30
3 05/08/2023 756,452 21,291 7,423 13,868 22.00/30
4 05/09/2023 749,029 21,291 7,559 13,732 22.00/30
5 05/10/2023 741,470 21,291 7,698 13,594 22.00/30
6 05/11/2023 733,772 21,291 7,839 13,452 22.00/30
7 05/12/2023 725,933 21,291 7,983 13,309 22.00/30
8 05/01/2024 717,951 21,291 8,129 13,162 22.00/30
9 05/02/2024 709,822 21,291 8,278 13,013 22.00/30
10 05/03/2024 701,544 21,291 8,430 12,862 22.00/30
11 05/04/2024 693,114 21,291 8,584 12,707 22.00/30
12 05/05/2024 684,529 21,291 8,742 12,550 22.00/30
13 05/06/2024 675,788 21,291 8,902 12,389 22.00/30
14 05/07/2024 666,886 21,291 9,065 12,226 22.00/30
15 05/08/2024 657,821 21,291 9,231 12,060 22.00/30
16 05/09/2024 648,589 21,291 9,401 11,891 22.00/30
17 05/10/2024 639,189 21,291 9,573 11,718 22.00/30
18 05/11/2024 629,616 21,291 9,748 11,543 22.00/30
19 05/12/2024 619,867 21,291 9,927 11,364 22.00/30
20 05/01/2025 609,940 21,291 10,109 11,182 22.00/30
21 05/02/2025 599,831 21,291 10,295 10,997 22.00/30
22 05/03/2025 589,536 21,291 10,483 10,808 22.00/30
23 05/04/2025 579,053 21,291 10,675 10,616 22.00/30
24 05/05/2025 568,377 21,291 10,871 10,420 22.00/30
25 05/06/2025 557,506 21,291 11,070 10,221 22.00/30
26 05/07/2025 546,436 21,291 11,273 10,018 22.00/30
27 05/08/2025 535,162 21,291 11,480 9,811 22.00/30
28 05/09/2025 523,682 21,291 11,691 9,601 22.00/30
29 05/10/2025 511,992 21,291 11,905 9,387 22.00/30
30 05/11/2025 500,087 21,291 12,123 9,168 22.00/30
31 05/12/2025 487,964 21,291 12,345 8,946 22.00/30
32 05/01/2026 475,618 21,291 12,572 8,720 22.00/30
33 05/02/2026 463,046 21,291 12,802 8,489 22.00/30
34 05/03/2026 450,244 21,291 13,037 8,254 22.00/30
35 05/04/2026 437,207 21,291 13,276 8,015 22.00/30
36 05/05/2026 423,931 21,291 13,519 7,772 22.00/30
37 05/06/2026 410,412 21,291 13,767 7,524 22.00/30
38 05/07/2026 396,645 21,291 14,020 7,272 22.00/30
39 05/08/2026 382,625 21,291 14,277 7,015 22.00/30
40 05/09/2026 368,349 21,291 14,538 6,753 22.00/30
41 05/10/2026 353,810 21,291 14,805 6,487 22.00/30
42 05/11/2026 339,005 21,291 15,076 6,215 22.00/30
43 05/12/2026 323,929 21,291 15,353 5,939 22.00/30
44 05/01/2027 308,576 21,291 15,634 5,657 22.00/30
45 05/02/2027 292,942 21,291 15,921 5,371 22.00/30
46 05/03/2027 277,021 21,291 16,213 5,079 22.00/30

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

47 05/04/2027 260,809 21,291 16,510 4,781 22.00/30

48 05/05/2027 244,299 21,291 16,813 4,479 22.00/30
49 05/06/2027 227,486 21,291 17,121 4,171 22.00/30
50 05/07/2027 210,365 21,291 17,435 3,857 22.00/30
51 05/08/2027 192,930 21,291 17,754 3,537 22.00/30
52 05/09/2027 175,176 21,291 18,080 3,212 22.00/30
53 05/10/2027 157,096 21,291 18,411 2,880 22.00/30
54 05/11/2027 138,685 21,291 18,749 2,543 22.00/30
55 05/12/2027 119,936 21,291 19,093 2,199 22.00/30
56 05/01/2028 100,843 21,291 19,443 1,849 22.00/30
57 05/02/2028 81,401 21,291 19,799 1,492 22.00/30
58 05/03/2028 61,602 21,291 20,162 1,129 22.00/30
59 05/04/2028 41,440 21,291 20,532 760 22.00/30
60 05/05/2028 20,908 21,291 20,908 383 22.00/30
Total 1,277,485 770,900 506,585

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

Disclaimer:

 First EMI date depends on the date of disbursal. It may vary, in case the disbursal happens till 18 th of the month (for
Term Loan) and 8th of the month (for PL Overdraft) then the First EMI date will be on the 4 of the next month, else the
first EMI date will be on the 4 of the next to next month.
 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.
 This Repayment Schedule and its figures and calculation are as on _________
19/04/2023 and may vary based on the
applicable date of disbursement

Signed and delivered by the within named Lender Signed and delivered by the within named BORROWER/S Mr./Ms./M/s.
Tata Capital Financial Services Limited CHILUKURI DEVI SIVA SAIKUMAR
by the hands of its Authorized Signatory/ Constituted
Attorney Mr. Deepak Aggarwal

For Tata Capital Financial Services Limited

Signature Not Verified IPAddress: 49.205.106.131:52640
Signed by : DS TATA CAPITAL FINANCIAL SERVICES LTD 4
Reason : Loan Purpose
Location : Mumbai
Date : 2023-04-19 16:36:55 IST Date: 19-04-2023 16:36:43

Authorised Signatory/ies

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44

 Personal Loan Term & Overdraft Agreement

Privacy Policy

For TCFSL privacy policy, please click on link below

https://www.tatacapital.com/content/dam/tata-capital/pdf/footer/Privacy_Commitment.pdf

For LSP privacy policy and GRO detail, please click on link below

Signed and delivered by the within named Lender Signed and delivered by the within named BORROWER/S Mr./Ms./M/s.
Tata Capital Financial Services Limited
CHILUKURI DEVI SIVA SAIKUMAR
by the hands of its Authorized Signatory/ Constituted
Attorney Mr. Deepak Aggarwal
For Tata Capital Financial Services Limited
Signature Not Verified IPAddress: 49.205.106.131:52640
Signed by : DS TATA CAPITAL FINANCIAL SERVICES LTD 4
Reason : Loan Purpose
Location : Mumbai
Date : 2023-04-19 16:36:55 IST Date: 19-04-2023 16:36:43

Authorised Signatory/ies

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:49.205.106.131:52640 Date & Time: 19-04-2023 16:36:44