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    Electric Bill

    Uploaded by

    Jagannath Panigrahi
    This document provides a key fact sheet and schedule for a loan of Rs. 9,00,000 with a tenure of 60 months. The interest rate is 12.6% per annum and the EMI amount is Rs. 20,294. Loan processing charges are Rs. 3,999. Prepayment charges are 4% within 13-24 months, 3% within 25-36 months, and 2% after 36 months. Late payment interest is 2% per month on overdue amounts. An amortization schedule charge of Rs. 200 and cheque swapping charge of Rs. 500 also apply. Loan cancellation incurs a fee of Rs. 1,000 while rebooking incurs Rs.

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    Electric Bill

    Uploaded by

    Jagannath Panigrahi
    21 views2 pages
    This document provides a key fact sheet and schedule for a loan of Rs. 9,00,000 with a tenure of 60 months. The interest rate is 12.6% per annum and the EMI amount is Rs. 20,294. Loan processing charges are Rs. 3,999. Prepayment charges are 4% within 13-24 months, 3% within 25-36 months, and 2% after 36 months. Late payment interest is 2% per month on overdue amounts. An amortization schedule charge of Rs. 200 and cheque swapping charge of Rs. 500 also apply. Loan cancellation incurs a fee of Rs. 1,000 while rebooking incurs Rs.

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    This document provides a key fact sheet and schedule for a loan of Rs. 9,00,000 with a tenure of 60 months. The interest rate is 12.6% per annum and the EMI amount is Rs. 20,294. Loan processing charges are Rs. 3,999. Prepayment charges are 4% within 13-24 months, 3% within 25-36 months, and 2% after 36 months. Late payment interest is 2% per month on overdue amounts. An amortization schedule charge of Rs. 200 and cheque swapping charge of Rs. 500 also apply. Loan cancellation incurs a fee of Rs. 1,000 while rebooking incurs Rs.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    21 views2 pages

    Electric Bill

    Uploaded by

    Jagannath Panigrahi
    This document provides a key fact sheet and schedule for a loan of Rs. 9,00,000 with a tenure of 60 months. The interest rate is 12.6% per annum and the EMI amount is Rs. 20,294. Loan processing charges are Rs. 3,999. Prepayment charges are 4% within 13-24 months, 3% within 25-36 months, and 2% after 36 months. Late payment interest is 2% per month on overdue amounts. An amortization schedule charge of Rs. 200 and cheque swapping charge of Rs. 500 also apply. Loan cancellation incurs a fee of Rs. 1,000 while rebooking incurs Rs.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    KeyFact Sheet

    SCHEDULE-CUM-KEY FACT STATEMENT

    Date of Application 11/10/2023 10:45 AM

    Name of Borrower Ranjankumar Joshi

    Loan Detail

    Loan Amount Rs. 9,00,000.00

    Loan Tenure 60 Months

    Installment Frequency Monthly

    EMI Scheme ( Advance / Arrers) Arrears

    ***Interest Rate - (monthly reducing) ( Fixed Rate) 12.6 % Per Annum

    ***EMI Amount Rs. 20,294.00

    CHARGES: All Charges are non-refundable And applicable post disbursement of loan.

    ***Loan Processing Charges + Govt Taxes (Government Taxes and other


    Rs. 3,999.00
    levies on Processing charges : As specified by Government of India)

    Salaried - No pre-payment in Part or Full permitted until repayment of 12


    Pre-payment in Part or Full EMIs Part-payment allowed up to 25% of Principal Outstanding. It is
    allowed only once in the financial year and twice during the loan tenure.

    Pre-payment Charges (on principal outstanding) / Part-payment Charges 13-24 months - 4% of principal outstanding, \n25-36 months - 3% of
    [on part-payment amount] principal outstanding, \n>36 months - 2% of principal outstanding

    Cheque / ACH / SI Return Charges : 1st return at Rs.450 + taxes per


    EMI / Cheque Bounce Charges instance \n2nd in a month Rs.500 + taxes per instance and \n3rd
    onwards Rs.550 + taxes per instance (10% discount for Senior Citizens)

    Stamp Duty And Other Statutory Charges As per applicable laws of the state

    Overdue EMI interest 2% per month on EMI / Principal Overdue

    Legal/Incidental Charges At actuals

    Amortization Schedule Charges ₹ 200/-

    Cheque Swapping Charges ₹ 500/-

    NIL for cancellation of Loan (However client would be charged interest for
    the interim period between date of loan disbursement and loan
    Loan Cancellation And Rebooking Charges
    cancellation and Processing Fees would be retained.). Rs. 1000/- for
    rebooking the loan.

    Details of security/collateral obtained NIL

    Date on which annual outstanding balance statement will be issued 31st May

    Gap Interest will be deducted from disbursement amount wherein the


    GAP Interest related information/ details gap (i.e. number of days) between loan disbursal and EMI start date is
    more than 30/31 days.

    Government taxes and other levies as applicable will be charged over and above the Fee and Charges.
    Loan disbursal at the sole discretion of HDFC Bank Ltd.
    * Foreclosure, Part-payment, Processing Fees, Cheque/SI/ECS Return charges, Collateral, Documentation and Valuation charges are
    exclusive of government taxes. Government taxes and other levies, as applicable, would be charged additionally.

    **** Visit http://www.hdfcbank.com for detailed fees and service charges under respective loan product. Changes in fees and service
    charges from time to time are updated on bank’s website.

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