Key Fact Statement

Date: 25-03-2023
Application No: D1C54A78FF5A
Customer Name: Issac (You/Your/Yours)
Lender: IIFL FINANCE LIMITED (Us/We/Our)
Lending Service Provider: Camden Town Technologies Private Limited ("ZestMoney")

A. Payment Related Terms

Details Amount
1) Loan Term 12 months
2) Loan Amount (in Rupees) 167,000.00
3) Up-front charges
Principal, Fees
a) Processing fees (in Rupees) 5,845.00
& Charges
b) Others (if any)
4) Net disbursed amount 167,000.00
5) Total interest payable during the entire
23,330.00
Interest tenure of the loan (in Rupees)
6) Annual Percentage Rate ("APR") 31.01% per annum
Monthly. Payments should be made on
7) Repayment frequency
the 5th day of every month.
8) Number of instalments of repayment 12
9) Amount of each repayment installment
Repayment
15,791.00
Note: Please refer to the Annexure for the
detailed repayment schedule
10) Total amount to be repaid by the
196,175.00
Customer
CONTINGENT CHARGES
11) Penalty for prepayment of loan (in Rupees) Not Applicable
3.5% per month on overdue amount not
12) Late payment Charges
exceeding the Loan Amount
13) Other charges (if any)

B. Cooling-off Period

You may, within 30 days from availing the Loan, prepay the Loan by paying the principal amount and
the proportionate APR without any prepayment penalty.

C. Customer Support

IIFL Finance Limited CIN No.: L67100MH1995PLC093797

Registered Office: IIFL House, Sun Infotech Park, Road No. 16V, Plot No.B-23, Thane Industrial Area, Wagle
Estate, Thane - 400604 Email: reach@iifl.com Website: www.iifl.com Toll Free: 1860 267 3000
 It is our constant endeavour to provide you with the best possible service and care. In case of any
grievances (including concerns about staff behaviour) you may reach out to the Grievance Redressal
Officer ("GRO") of either the Lender or ZestMoney as per the details provided below:

B. ZestMoney
Name: Sudharshan Krishnamurthy
Designation: GRO
A. Lender
Email ID: help@zestmoney.in
Mr. Sunil Chandra (North)
Mr. Hardik Panchal (East) Contact No: +91-7440084400
Mr. Kiran Gawand (West) Address: ZestMoney (Camden Town Technologies Pvt
Mr. Baalji K (South) Ltd),
Email ID: nodalofficer@iifl.com Ground & Third Floor, Indiqube Celestia, Site No. 19 & 20,
Koramangala 1A Block, Koramangala,
Contact No: +91 22-45205810, +91 22-
Bengaluru, Karnataka 560034
68178410
Our team will be available between 9:00 AM to 7:00 PM
on weekdays
(except on public holidays).

D. Collection Strategy

1. Us or ZestMoney or our representatives may reach out to You to remind You to repay your
overdue amounts. These communications will be undertaken mostly through emails, SMS, IVR or
tele-calling.

2. We will first identify ourselves over the phone calls. All calls will be made between 8.00 AM to
7.00 PM and be recorded as per the requirement of the code of conduct stipulated by the Reserve
Bank of India.

Yours Faithfully

Name: Jyoti Joshi

Designation: Business Head

Date & Time: 25-03-2023 15:43:05

Annexure

Detailed Repayment Schedule

Outstanding Principal Principal Interest Instalment Amount

Instalment No.
(INR) (INR) (INR) (INR)
1 155217.00 11783.00 4008.00 15791.00
2 142530.00 12687.00 3104.00 15791.00
3 129590.00 12940.00 2851.00 15791.00
4 116391.00 13199.00 2592.00 15791.00
5 102928.00 13463.00 2328.00 15791.00
6 89196.00 13732.00 2059.00 15791.00
7 75189.00 14007.00 1784.00 15791.00

IIFL Finance Limited CIN No.: L67100MH1995PLC093797

Registered Office: IIFL House, Sun Infotech Park, Road No. 16V, Plot No.B-23, Thane Industrial Area, Wagle
Estate, Thane - 400604 Email: reach@iifl.com Website: www.iifl.com Toll Free: 1860 267 3000
8 60902.00 14287.00 1504.00 15791.00
9 46329.00 14573.00 1218.00 15791.00
10 31465.00 14864.00 927.00 15791.00
11 16303.00 15162.00 629.00 15791.00
12 0.00 16303.00 326.00 16629.00

This is a system generated document, hence no signature required

Time Stamp: 25-03-2023 15:43:05

IIFL Finance Limited CIN No.: L67100MH1995PLC093797

Registered Office: IIFL House, Sun Infotech Park, Road No. 16V, Plot No.B-23, Thane Industrial Area, Wagle
Estate, Thane - 400604 Email: reach@iifl.com Website: www.iifl.com Toll Free: 1860 267 3000
 Most Important Terms and Conditions (MITC) Prospect Number

We refer to the application form dated 25-03-2023 for grant of the Loan described below. Capitalized
terms used but not defined here under shall have the meaning ascribed to the term in other Standard
Terms.

Date: 25-03-2023 15:43:05

1. The Borrower acknowledges and confirms that the below mentioned are the most important terms and
conditions in the application for the Facility (and which would apply to the Borrower in respect of the
Facility, if the request for the Facility is accepted by the Lender) and they shall be read in conjunction
with the Application Form(s),) and the Standard Terms (Term Loan Facility):

Borrower Issac Facility Revolving credit

Facility Type Term Loan Repayment EMI
Tenure
Purposse Personal Use 12
(Months)
Rate of EMI
24.0% declining per year Calculated After Sanction
Interest(%) Amount
Max Amount 167,000.00 (Rupees One Lakh Sixty Loan 167,000.00 (Rupees One Lakh
Sanctioned Seven Thousand only) Amount Sixty Seven Thousand only)

Down Payment: 0.0

Late Payment Fees: 3.5% per month on overdue amount not exceeding the Loan Amount

(i) Other Conditions; You have a right to make early repayment in full or in part and you can exercise
this right by giving a written notice to us at help@zestmoney.in. In the event you wish to make a full
early repayment/preclose the loan, please intimate us/ZestMoney at least 15 days prior to the due date to
avoid the payment of interest for the month in which you wish to preclose the loan/ make a full early
repayment.
(ii)ZestMoney may collect amounts payable by you as per repayment schedule on behalf of IIFL Finance
Ltd. (IIFL) using the National Automated Clearing House mandate or similar payment mandates
provided by you. In addition, ZestMoney may also charge a fee for facilitating this transaction.

Non-payment of amounts due on the relevant due dates may have adverse consequences including:
(i) having your details reported to the credit bureaus; and
(ii) suitable legal action as may be necessary to recover the outstanding amounts.

This is a computer generated document.

The Borrower understands that the Lender has adopted risk based pricing, which is arrived by taking into
account, broad parameters like the customers financial and credit profile. Further, the Borrower
acknowledges and confirms that the Lender shall have the discretion to change prospectively the rate of
interest and other charges applicable to the Facility. Partial month interest (Pre-EMI) is payable for each

IIFL Finance Limited CIN No.: L67100MH1995PLC093797

Registered Office: IIFL House, Sun Infotech Park, Road No. 16V, Plot No.B-23, Thane Industrial Area, Wagle
Estate, Thane - 400604 Email: reach@iifl.com Website: www.iifl.com Toll Free: 1860 267 3000
loan from the date of loan disbursal to commencement of the loan amortization schedule. The Borrower
acknowledges and confirms having received a copy of each Transaction Document and agrees that this
letter is a Transaction Document. To track the loan please visit us at https://www.iifl.com

For and on behalf of the borrower

Borrower Signature
By clicking "I accept" the Borrower electronically sign and accept these Standard Terms including the
MITC and agree to be legally bound by its terms. The Borrower's acceptance of these Standard Terms
shall constitute the Borrower's agreement to irrevocably accept and to be unconditionally bound by all
the terms and conditions set out in these Standard Terms, and the Borrower's acknowledgement and
confirmation that this Agreement (along with the MITC) have been duly read and fully understood by the
Borrower.

Date: 25-03-2023 15:43:05

IIFL Finance Limited CIN No.: L67100MH1995PLC093797

Registered Office: IIFL House, Sun Infotech Park, Road No. 16V, Plot No.B-23, Thane Industrial Area, Wagle
Estate, Thane - 400604 Email: reach@iifl.com Website: www.iifl.com Toll Free: 1860 267 3000