ANNEXURE 1

Personal Loan - Key Fact Statement and Loan Details

1) Place of Execution Chennai
2) Date of Execution 18/08/2023
3) Name of Regulated Tata Capital Financial Services Limited.
Entity/ Lender
4) Details of the a) Name: A NIVEDHA
Borrower/s and b) Constitution: Individual
Co-Borrower/s c) Address No 48 49 FIRST FLOOR F4 KP NAGAR 2nd STREET RAMAPURAM CHENNAI TN
Chennai Tamil Nadu 600089
a) Name NA
b) Constitution NA
c) Address NA
5) Purpose Personal Use
6) a. Amount of the 2023739
Rs. _______________________ /-
Initial Facility/ TWENTY LAKH TWENTYTHREE THOUSAND SEVEN HUNDRED THIRTYNINE
(Rupees __________________________________________________________________only)
Loan Amount
b. Amount of Rs. _______________________ /-
Additional Facility (Rupees __________________________________________________________________only)

7) Processing Fees ________%

0.59 of the Loan Amount/ Facility Amount Rs. 11999
8) Other Deductions a) Insurance and Third-Party Product Charges Rs. 22237
b) Stamp Duty Rs. 20
c) Broken Period Interest Rs. 0
d) Other Charges (if any) Rs. 0
e) Total Deductions (a + b + c + d) Rs. 22257
9) Net Disbursed
Amount (6) less (7 + 8.e) Rs. 1983321
10) Type of Facility Term Loan Facility:  or Revolving Facility: 
✔ 84
Tenure (in Months): _____________
opted
If Revolving Facility, then
a) 2023739
Maximum Credit Limit Rs. _________________/-
TWENTY LAKH TWENTYTHREE THOUSAND SEVEN HUNDRED THIRTYNINE
(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 Maximum Credit Limit: ___________
be reduced on the frequency specified in (c)
Remaining Tenure: _____________
above:
11) Repayment a) First EMI due on 03/10/2023
Schedule b) Last EMI Date 03/11/2030
c) Instalment Due Date 3rd of every month
d) No. of Instalments of Repayment
e) Monthly Instalment payable (including insurance in case Rs. _________________
38486.0
of insurance provision) under term loan facility per month
f) Repayment frequency by the Borrower Monthly
12) Moratorium period
(if any)
13) Interest Payable a) Interest Type: Fixed
b) Rate of Interest: 14.50 % p.a.
c) Total interest charged during the entire tenor of the loan 1209094
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/ Part Prepayment:

Prepayment/ Lock-in Period: 12 months from the date of first disbursement
Foreclosure Part Prepayment is allowed once per year and the minimum gap between two part-
Charges a)
prepayments to be six months.
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 or Rs.1000, (whichever is higher)
Charges for PL per year will be deducted from the limit and shall be payable
Overdraft (Dropline 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 /- 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) Section 138 & Section Rs. 3400/-
25 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) Lawyer Fees (at Actuals)
g) Execution of award Rs. 5600/-
17) Insurance and a) Life Insurance Premium Rs. 8560
Third-Party b) General Insurance Premium Rs. 11558
Product Charges
c) Health Insurance Premium
d) IHO Plan Amount Rs. 2119
e) One Assist Plan Amount Rs. 0
f) CPP Plan Amount Rs. 0
18) Other Important a) Total Amount to be paid by the borrower (6 + 13.c) Rs. 3232833
Details b) Annual Percentage Rate % - Effective annualized __________%
15.04 p.a.
interest 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 3 days from the date of
not be charged any penalty on prepayment of loan loan disbursal
 b) Details of the Lending Service Provider (‘LSP’) acting as Not Applicable
recovery agent and authorized to 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]
(Tick whichever is
applicable)
21) Jurisdiction [Delhi / Chennai / Mumbai / Kolkata]
(Tick whichever is
applicable)
22) Timelines Sr. No. Conditions Timelines
a) End use certificate shall be provided by the Obligors to Within 30 days
the Lender
b) Fresh Payment Instruments shall be delivered by the Within 7 days
Obligors to the Lender
c) TDS certificate in the Form No. 16A of the IT Act Within 45 days from the
downloaded from the TDS Reconciliation Analysis and end of the relevant quarter
Correction Enabling System (“TRACES”) website shall in which tax is deducted
be provided by the Obligors to the Lender and within 75 days from
the end of the last quarter
of the financial year
d) An amount equivalent to the TDS amount paid by the Within 90 days
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 entertained by the Lender. After 30 days of the
succeeding financial year
f) Credit of the TDS amount may be requested by the Not later than 60 days of
Obligors by furnishing of the TDS certificate. the succeeding financial
year
23) Other Terms and In case the dues accrued for the month have not been paid by the due date of the succeeding
Conditions calendar month, the Lender shall be entitled to withhold/ cancel fresh drawdown made by the
Borrower of any amount under the Facility until the Borrower pays the entire dues. Further, in case
the dues are unpaid till 39 days after the due date, the Borrower will be required to submit 6 months
bank statement procured post making payment of the dues to the Lender, to evaluate the Borrower’s
request for further drawdown. Any such further disbursal shall be at the sole discretion of the Lender.

24) IP Address 49.204.116.224:8946

25) Date and Time
18-08-2023 17:42:53
Stamp

Note:
 Broken Period Interest amount and 1st EMI date depend on the date of disbursal and the final figures would be
mentioned in the Welcome Letter and Repayment schedule.
 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.

Privacy Policy: Please refer to the privacy policy on:

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

LSP Details: Please click on link below:

https://www.tatacapital.com/partners.html

Collection Vendor Details: Please click on link below:

https://www.tatacapital.com/collection-vendor.html
Mr Deepak Aggarwal A NIVEDHA
____________________ ________________ ____________________
Authorised Signatory / ies Borrower’s Signature Co-Borrower’s Signature