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Branch Office: JASOI, DISTT. MUZAFFARNAGAR UP

Ref No: PNB-212778
Date:19-06-2023
Name of the Borrower: GEETA DEVI
Address:VILL GUJARHERI POST JASOI , MZN
MUZAFFAR NAGAR,
UTTAR PRADESH,
India, PIN: 251301

Dear Sir/Madam,
Sanction of Term Loan facility of Rs. 13000 under KRISHI TATKAL RIN

In reference to your loan application no. PNB-212778 dated 19-06-2023 , we are pleased to communicate our sanction of Term
Loan of Rs. 13000 (Rs. Thirteen Thousand) under KRISHI TATKAL RIN on terms and conditions given here under and the
terms and conditions of the bank contained in the standard loan documents of the bank for such loans.

You are requested to go through the terms & conditions of the sanction carefully.

Particulars Terms & Conditions

Nature of Facility Term Loan
Sanction Limit Rs.13000
Purpose of Loan Household need or any other agri Activities
Security Primary: Hypothecation of crops
Margin NIL
Rate of interest MCLR (1 year) + 1.25% i.e. 9.85 % P.a.
(Presently MCLR (1 year) is 8.60%)
Intimation of change in Interest The borrower shall be deemed to have notice of changes in the rate of interest
Rate whenever there are changes in MCLR either increase or decrease in the interest. By
display of MCLR on the Website of the Bank or published in newspaper or made
through entries of the interest rate charged in the passbook, statement of account
furnished to the Borrower and the Borrower is liable to pay such revised rate of
interest.
Penal Interest 2% over & above the applicable rate shall be charged for the irregular amount and for
the period of irregularity
Service Charges CIR Charge – Rs. 100 + GST
Repayment Period 5 Years; Yearly Installment.
Other terms & conditions a. The arrangement may be cancelled immediately on written notice to that effect given
by the Bank to you without prejudice to any liability under the arrangement.
b. Undertaking to abide by the terms and conditions stipulated and/or may be
stipulated from time to time for loan under KRISHI TATKAL RIN.
c. The Bank will be free to verify the information submitted in your loan application
form from any source about your land holding, borrowing or any other aspect
considered necessary by the bank.
d. Disbursement of the credit facilities will be made in existing KCC or Saving account of
the customer.
e. A Standing Instruction (SI) will be marked in the linked Kisan Credit Card
(KCC)/Saving Fund account for the debit of installment due for this loan.
 f. The Rate of Interest is subject to change from time to time.

In case, any clarification is needed, kindly bring the matter the notice of the undersigned.

Yours Faithfully,

Digitally Signed by:

Neeraj Jakhmola
Chief Manager; HO-Agriculture Division; PNB

(Authorized Signatory – PNB)



Branch Office: JASOI, DISTT. MUZAFFARNAGAR UP

Key Fact Statement

Date:19-06-2023
Applicant NameGEETA DEVI

Sr. Parameter Details

No.
i Loan amount (amount disbursed/to be disbursed to the borrower) (in Rupees) Rs. 13000
ii Total interest charge during the entire tenor of the loan (in Rupees) Rs. 3841.5
iii Other up-front charges, (break-up of each component is given below) (in Rupees) Rs. 118
a Processing fees (in Rupees) Nil
b Insurance charges (in Rupees) Nil
c CIR Charges (in Rupees) 118
iv Net disbursed amount ((i)-(iii)) (in Rupees) Rs. 12882
v Total amount to be paid by the borrower (sum of (i), (ii) and (iii)) (in Rupees) Rs. 16959.5
vi Annual Percentage Rate - Effective annualized interest rate (in percentage) 9.85
vii Tenor of the Loan (in Years) 5
viii Repayment frequency by the borrower Yearly
ix Number of instalments of repayment 5
x Amount of each instalment of repayment (in Rupees) Rs. 2600+ Interest
Details about Contingent Charges
xi Rate of annualized penal charges in case of delayed payments 2%
xii Rate of annualized other penal charges Nil
Other disclosures
xiii Cooling off/look-up period during which borrower shall not be charged any 15 Days
penalty on prepayment of loan
xiv Details of LSP acting as recovery agent and authorized to approach the borrower None
xv Name, designation, address and phone number of nodal grievance redressal Sh. Subhash Chandra;
of icer designated speci ically to deal with FinTech/ digital lending related Assistant General Manager;
complaints/ issues Head Office: Agriculture Division,
Fourth Floor, West Wing, Sector-
10,
Dwarka, New Delhi-110075
Email:subhash.chandra7@pnb.co.in;
Phone: 011-28044177
Digitally signed by
PNB_KRISHITAT
KALRIN
Date: 2023.06.19
12:21:57 +05:30
Digitally Signed by:
Neeraj Jakhmola
Chief Manager; HO-Agriculture Division; PNB

(Authorized Signatory – PNB)