HDFC BANK LTD

Date- 24/3/2024

Applicant Name- AKHTAR SHAIKH

Loan Type- Jumbo Loan

Sr. Parameter Details

No.

i Loan amount (in Rupees) 1,85,000

Rate of interest percentage per
ii 13.2 %
annum
Total interest charge during the 68,694
iii
entire tenor of the loan (in Rupees)
Other up-front charges, if any
iv (break-up of each component to be 999
given below) (in Rupees)

a Processing fees, if any (in Rupees) 999

b Credit Protect-Insurance 0
c Any other Insurance Charges 0
d Documentation Charge 0

e Others (if any) (in Rupees) 0

Net disbursed amount (i)
v 1,85,000
(in Rupees)
Total amount to be paid by the
vi borrower (sum of (i), (iii) and (iv)) 2,54,693
(in Rupees)
Annual Percentage Rate - Effective
annualized interest rate (in 13.44 %
percentage) (computed on net
vii
disbursed amount using IRR
approach and reducing balance
method)
viii Tenor of the Loan (in months) 60
Repayment frequency by the
ix Monthly
borrower
Number of instalments of
x 60
repayment
Amount of each instalment of
xi 4,228.28
repayment (in Rupees)
Details about Contingent Charges
Rate of annualized penal charges in Late Fees: Rs 500
xii case of delayed payments (if any)

Rate of annualized other penal Payment Return Fees: 2% of the payment

xiii charges (if any) amount, min Rs450, max Rs4999.

xiv Cooling off/look-up period 3 Days

Details of LSP acting as recovery https://www.hdfcbank.com/content/bbp/
xv agent and authorized to approach repositories/723fb80a-2dde-42a3-9793-7ae1b
the borrower
e57c87f/?path=/Common%20Overlays/
Feedback/PDFS/Banking%20Ombudsman%
20Scheme/Active-Collection-Vendor-List.pdf

Application is submitted on-line by the customer on 24/3/2024 at 18:44


Name, designation, address and
phone number of nodal grievance
redressal officer designated
xvi
specifically to deal with FinTech/
digital lending related complaints/
issues
Mr. Kannan Ramaseshan (Grievance
Redressal Officer)
Grievance Redressal Cell, HDFC Bank Limited,
1st Floor, Empire Plaza - 1, Lal Bahadur Shastri
Marg,
Chandan Nagar, Vikroli West,
Mumbai – 400083
Call : 1800 266 4060
Monday to Saturday 9:30am to 5:30pm
This facility is not available on 2nd and 4th
Saturdays, all Sundays and Bank Holidays

https://www.hdfcbank.com/personal/useful-
xvii Privacy Policies of the HDFC Bank
links/privacy

Application is submitted on-line by the customer on 24/3/2024 at 18:44

Detailed Repayment Schedule

INSTALMENT OUTSTANDING PRINCIPAL PRINCIPAL INTEREST INSTALMENT

NO. (IN RUPEES) (IN RUPEES) (IN RUPEES) (IN RUPEES)

1 185000 2193.28 2035 4228.28

2 182807 2217.28 2011 4228.28

3 180589 2242.28 1986 4228.28

4 178347 2266.28 1962 4228.28

5 176081 2291.28 1937 4228.28

6 173790 2316.28 1912 4228.28

7 171473 2342.28 1886 4228.28

8 169131 2368.28 1860 4228.28

9 166763 2394.28 1834 4228.28

10 164368 2420.28 1808 4228.28

11 161948 2447.28 1781 4228.28

12 159501 2473.28 1755 4228.28

13 157028 2501.28 1727 4228.28

14 154526 2528.28 1700 4228.28

15 151998 2556.28 1672 4228.28

16 149442 2584.28 1644 4228.28

17 146857 2613.28 1615 4228.28

18 144244 2641.28 1587 4228.28

19 141603 2670.28 1558 4228.28

20 138933 2700.28 1528 4228.28

21 136232 2729.28 1499 4228.28

22 133503 2759.28 1469 4228.28

23 130744 2790.28 1438 4228.28

24 127953 2821.28 1407 4228.28

25 125132 2852.28 1376 4228.28

26 122280 2883.28 1345 4228.28

27 119397 2915.28 1313 4228.28

28 116481 2947.28 1281 4228.28

29 113534 2979.28 1249 4228.28

30 110555 3012.28 1216 4228.28

31 107542 3045.28 1183 4228.28

32 104497 3079.28 1149 4228.28

33 101418 3112.28 1116 4228.28

34 98306 3147.28 1081 4228.28

35 95158 3181.28 1047 4228.28

36 91977 3216.28 1012 4228.28

37 88761 3252.28 976 4228.28

38 85509 3287.28 941 4228.28

39 82221 3324.28 904 4228.28

40 78897 3360.28 868 4228.28

41 75537 3397.28 831 4228.28

42 72139 3434.28 794 4228.28

43 68705 3472.28 756 4228.28

44 65233 3510.28 718 4228.28

INSTALMENT OUTSTANDING PRINCIPAL PRINCIPAL INTEREST INSTALMENT
NO. (IN RUPEES) (IN RUPEES) (IN RUPEES) (IN RUPEES)

45 61723 3549.28 679 4228.28

46 58173 3588.28 640 4228.28

47 54585 3628.28 600 4228.28

48 50957 3667.28 561 4228.28

49 47289 3708.28 520 4228.28

50 43581 3749.28 479 4228.28

51 39832 3790.28 438 4228.28

52 36042 3832.28 396 4228.28

53 32209 3874.28 354 4228.28

54 28335 3916.28 312 4228.28

55 24419 3959.28 269 4228.28

56 20459 4003.28 225 4228.28

57 16456 4047.28 181 4228.28

58 12409 4092.28 136 4228.28

59 8317 4137.28 91 4228.28

60 4179 4179.28 46 4225

*GST is applicable on processing fees and charges.

*GST is not a part of the APR calculation.
The first EMI amount will include gap interest and will thus differ from what is mentioned in the above KFS table.
Pre closure fees 3% of principle outstanding + GST and Pro-rata interest are applicable upon loan pre-closure.