General Details
1 Date of KFS (T) 13/02/2025
2 Name of Regulated Tata Capital Limited (TCL)
Entity (RE)/ Lender
3 KFS Validity T + 3 Working Days
4 Details of the a) Name of Borrower POOJA S
Borrower/s and Co-
b) Constitution Individual
Borrower/s
c) Address
NO 21 2 VALARMATHY NAGAR 4TH STREET KOLATHUR S O THIRUVALLUR
CHENNAI TAMIL NADUChennai Tamil Nadu 600099
a) Name of Co-
Borrower
NA
b) Constitution NA
c) Address
NA
Key Facts Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ Type of Loan
account No. / Unique 478PZ8690866_1302_1649 Personal Loan
Proposal Number
2 Sanctioned Loan
Rs. 306352
amount (in Rupees)
3 Disbursal Schedule
(i) Disbursement in
stages or 100%
upfront. 100% Upfront
(ii) If it is stage wise,
mention the clause of
loan agreement having
relevant details
4 Loan Term
60 months
(year/months/days)
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of Repayment, post sanction
Monthly 60 Rs. 6892 02/03/2025
6 Interest rate (%) Interest Type (fixed
12.50 % or floating or Fixed
hybrid)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) (S) Final rate (%) R Reset Impact of change in the reference benchmark (for
Benchmark rate (%) (B) = (B) + (S) periodicity 25 bps change in ‘R’, change in:)
(Months)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to TCL (A) Payable to a third party through TCL (B)
One-time/ Amount (in ₹) One-time/ Recurring Amount (in ₹) or Percentage
Recurring or Percentage (%) as applicable
(%) as
applicable
(i) Processing fees
One-time Rs.4999 (1.63 %) NA NA
(ii) Insurance charges
a) Life Insurance
NA NA One-time Rs. 1680
Premium
b) General Insurance
NA NA One-time Rs. 2051
Premium
c) Health Insurance
NA NA NA NA
Premium
(iii) Valuation fees
NA NA NA NA
(iv) Any other
a) Stamp Duty
NA NA One-time Rs. 200
b) Broken Period Interest
NA NA NA NA
c) One Assist Plan
NA NA NA NA
Amount
d) IHO Plan Amount
NA NA NA NA
e) CPP Plan Amount NA NA NA NA
f) TATA AIG 360 Amount NA NA One-time Rs. 1653
g)
h)
9 Annual Percentage
14.35 %
Rate (APR) (%)
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, For default in payment of interest and/ or principal amounts – 3% per month on defaulted amount
in case of delayed (Annualized Penal Charge of 36%)
payment
(ii) Other penal charges, if
any
a) For Dishonour of
Cheque/ Payment Rs. 600/- per instrument per instance
Instrument/ Mandate
b) For Mandate Rejection Rs. 450/-
(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.)
(iii) Foreclosure charges, if Lock-in Period: 12 months from the date of first disbursement
applicable 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
Part Prepayment:
A part prepayment charge of 4.5% shall be applicable on the part prepayment amount
a)
b) Any part prepayment made during the Lock-in period will attract additional 2% over and above the
part prepayment charges mentioned in (a) above
c) No part prepayment charges shall be applicable on payment of upto 25% of disbursed Loan Amount
during the entire loan tenure.
(iv) Charges for switching
of loans from floating
to fixed rate and vice NA
versa
(v) Any other charges
a) Payment Instruments Rs. 550/- per instance
Swapping Charges
b) Cancellation Charges 2% of the Loan Amount/ Facility amount OR
Rs. 5750/-
Whichever is higher
c) Duplicate Repayment Rs. 550/-
Schedule
d) Duplicate NOC Rs. 550/-
e) Statement of Account Customer Portal – Nil
(SOA) Branch walk-in – Rs. 250/-
f) Foreclosure Report Customer Portal – Nil
Branch walk-in – Rs 199/-
g) Annual Maintenance 0.25% on Dropline Amount or Rs.1000, (whichever is higher) per year will be deducted from the limit and
Charges for PL shall be payable at the end of the 13th month.
Overdraft (Dropline
facility)
h)
i)
Part 2 (Other qualitative information)
1 Clause of Loan agreement relating to engagement of Please refer to the Clause ‘Miscellaneous Terms’ in the Specific
recovery agents Agreement/Terms and Conditions
2 Clause of Loan agreement which details grievance redressal Please refer to the Clause ‘Miscellaneous Terms’ in the Specific
mechanism Agreement/Terms and Conditions
3 Phone number and email id of the nodal grievance redressal Name Ms. Francyna Dias
officer Phone No 18602676060
Email ID seniorcroretail@tatacapital.com
4 Whether the loan is, or in future maybe, subject to transfer
Yes
to other REs or securitisation (Yes/ No)
5 In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details may be
furnished:
Name of the originating RE, along with Name of the partner RE along with its proportion of Blended rate of interest
its funding proportion funding
NA NA NA
6 In case of digital loans, following specific disclosures may be furnished:
(i) Cooling off/look-up period, in terms of RE’s board
approved policy, during which borrower shall not be 3 days from the date of loan disbursal
charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized
NA
to approach the borrower
Notes:
The amounts are net of taxes such as GST, etc.
GST, other Government taxes and levies as applicable, will be payable on all fees and charges in this document.
Broken Period Interest amount and 1st EMI date depend on the Disbursement Date 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.
For facilities which are in the nature of revolving line of credits, the repayment schedule and the APR are calculated assuming
customer has utilised 100% amount on the day of disbursal.
For the APR, please refer the calculation of APR given below.
Benefits like Overdraft:
o Disbursement would be post deduction of processing fee, insurance charges and any other applicable charges.
o In case of Overdraft facility customer needs to pay interest on the limit utilized for the first 12 months (or as may be
applicable). Drop Down will start from the 13th month (or as may be applicable) onwards. The principal due amount
as applicable along with the interest on the limit utilized would be repaid by the Borrower/s on the due date as
applicable of every month.
Any revision in charges shall be updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the
Borrowers.
Annex B
Computation of APR
Sr. Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS –
Rs. 306352
Part 1)
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS –
60 Months
Part 1)
a) No. of instalments for payment of principal, in case of
NA
non-equated periodic loans
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and Rs. 6892
Nos. of EPIs (Sl No. 5 of the KFS – Part 1) 60
c) No. of instalments for payment of capitalised interest, if
NA
any
d) Commencement of repayments, post sanction (Sl No. 5 of
02/03/2025
the KFS – Part 1)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of
Fixed
the KFS – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS – Part 1)
12.5 %
5 Total Interest Amount to be charged during the entire
tenor of the loan as per the rate prevailing on sanction Rs. 107185
date (in Rupees)
6 Fee/ Charges payable (in Rupees)
Rs. 12451
A Payable to TCL (Sl No.8A of the KFS -Part 1)
Rs. 4999
B Payable to third-party routed through TCL (Sl No.8B of the
Rs. 5583
KFS – Part 1)
C Total GST on all the fees and charges
Rs. 1869
7 Net disbursed amount (1-6) (in Rupees)
Rs. 293901
8 Total amount to be paid by the borrower (sum of 1 and 5)
Rs. 413537
(in Rupees)
9 Annual Percentage rate- Effective annualized interest rate
(in percentage) (Sl No.9 of the KFS -Part 1) 14.35 %
10 Schedule of disbursement as per terms and conditions
Refer Repayment Schedule
11 Due date of payment of instalment and interest 2nd of every month
Personal Loan Term & Overdraft Agreement
Annex C
Repayment Schedule
Outstanding Principal(in Interest(in Installment(in
Installment No. Principal(in Rupees) Rupees) Rupees)
Rupees)
1 306,352 3,701 3,191 6,892
2 302,651 3,740 3,153 6,892
3 298,911 3,779 3,114 6,892
4 295,133 3,818 3,074 6,892
5 291,315 3,858 3,035 6,892
6 287,457 3,898 2,994 6,892
7 283,559 3,939 2,954 6,892
8 279,620 3,980 2,913 6,892
9 275,641 4,021 2,871 6,892
10 271,620 4,063 2,829 6,892
11 267,557 4,105 2,787 6,892
12 263,452 4,148 2,744 6,892
13 259,304 4,191 2,701 6,892
14 255,112 4,235 2,657 6,892
15 250,877 4,279 2,613 6,892
16 246,599 4,324 2,569 6,892
17 242,275 4,369 2,524 6,892
18 237,906 4,414 2,478 6,892
19 233,492 4,460 2,432 6,892
20 229,032 4,507 2,386 6,892
21 224,526 4,553 2,339 6,892
22 219,972 4,601 2,291 6,892
23 215,371 4,649 2,243 6,892
24 210,722 4,697 2,195 6,892
25 206,025 4,746 2,146 6,892
26 201,279 4,796 2,097 6,892
27 196,483 4,846 2,047 6,892
28 191,638 4,896 1,996 6,892
29 186,742 4,947 1,945 6,892
30 181,795 4,999 1,894 6,892
31 176,796 5,051 1,842 6,892
32 171,745 5,103 1,789 6,892
33 166,642 5,156 1,736 6,892
34 161,486 5,210 1,682 6,892
35 156,276 5,264 1,628 6,892
36 151,011 5,319 1,573 6,892
37 145,692 5,375 1,518 6,892
38 140,317 5,431 1,462 6,892
39 134,887 5,487 1,405 6,892
40 129,399 5,544 1,348 6,892
41 123,855 5,602 1,290 6,892
42 118,253 5,660 1,232 6,892
43 112,592 5,719 1,173 6,892
44 106,873 5,779 1,113 6,892
45 101,094 5,839 1,053 6,892
46 95,255 5,900 992 6,892
47 89,355 5,962 931 6,892
48 83,393 6,024 869 6,892
49 77,369 6,086 806 6,892
Personal Loan Term & Overdraft Agreement
50 71,283 6,150 743 6,892
51 65,133 6,214 678 6,892
52 58,919 6,279 614 6,892
53 52,641 6,344 548 6,892
54 46,297 6,410 482 6,892
55 39,887 6,477 415 6,892
56 33,410 6,544 348 6,892
57 26,866 6,612 280 6,892
58 20,253 6,681 211 6,892
59 13,572 6,751 141 6,892
60 6,821 6,821 71 6,892
Total 306,352 107,185 413,537
Note:
The Repayment Schedule and its figures and calculation are as on 13/02/2025 and may
vary based on the applicable date of disbursement. I confirm that I have thoroughly read
and understood the Key Facts Statement
POOJA S
Borrower Co-Borrower
