TVS CREDIT SERVICES LIMITED

Annex A
Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 3058CD1770287 Type of Loan

2 Sanctioned Loan amount (in Rupees) 22698

Disbursal schedule
3 (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 (year/months/days) 10 Months

5 Instalment details

Type of instalments Number of EPIs EPI (Rs) Commencement of repayment, post sanction

Refer Installment amount in

Monthly 10 44 Days (03/02/2025)
Annex C

6 Interest rate (%) and type (fixed or floating or hybrid) 7.15% (Fixed)

7 Additional Information in case of Floating rate of interest

Reference Benchmark Reset periodicity (Months) Impact of change in the reference benchmark
Spread (%) (S) Final rate (%) R = (B) + (S)
Benchmark rate (%) (B)
B S EPI (Rs) Number of EPIs
NA NA NA NA NA NA NA NA

8 Fee / Charges (Inclusive of applicable taxes)

Payable to a third party through TVS Credit Services

Payable to TVS Credit Services Limited(A)
Limited (B)

Amount (in Rs) or Amount (in Rs) or

One-time/Recurring Percentage (%) as One-time/Recurring Percentage (%) as
applicable applicable

(i) Processing fees One Time Rs.399 - -

(ii) Stamp Duty/Stamping/Franking Charges (GST Not Applicable) One Time Rs.0 - -

(iii) Mandate Registration Charges One Time Rs.150 - -

(iv) Credit Verification Charges One Time Rs.150 - -

Insurance Related Group Insurance (Total Protect Policy) Premium
(v) - - One Time Rs.0
Amount
Value Added Services (VAS)

(i) T Health Gold - - One Time Rs.0

(ii) T Health Silver - - One Time Rs.0

(iii) Instacard Basic [Enrollment Fees] - - One Time Rs.699

(iv) Instacard Standard [Enrollment Fees] - - One Time Rs.0

(v) Instacard Premium [Enrollment Fees] - - One Time Rs.0

(vi) Mobile Accidental Damage/Liquid Damage - - One Time Rs.0

9 Annual Percentage Rate (APR) (%)(Excluding applicable taxes) 23.47%

10 Details of Contingent Charges (in Rs or %, as applicable) (Inclusive of applicable taxes)

(i) ACH Failure Charges Rs.500

(ii) Bounce Charges Rs.500

(iii) Cash collection/Visit Charges Rs.100/- Per Visit

(iv) Duplicate NDC/NOC Charges Rs.250

(v) Duplicate Repayment Schedule - Hardcopy Rs.250

(vi) Statement of Accounts - Hardcopy Rs.250

(vii) Swap Charges Rs.500

(viii) Mandate Rejection charges Rs.500

(ix) Penal Charges ( Exclusive of GST ) 36% Per annum on unpaid installment

3% on principal outstanding for all interest-bearing schemes,

(x) Foreclosure Charges
Nil for non-interest-bearing schemes

For Interest bearing schemes - Rs.1000+Broken period interest

(xi) Loan Cancellation Charges (from disbursement date to cancellation date)
For non-interest-bearing schemes - Rs.1000

(xii) Legal, Repossession & Incidental Charges At Actuals

 TVS CREDIT SERVICES LIMITED
Annex A
Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of 11.12 The Lender/TVS Credit/Company shall, without prejudice to its rights to
recovery agents perform such activities itself or through its office employees, be entitled to appoint
one or more person(s) (“Service Providers”) as the Lender/TVS Credit/Company
may select and to delegate to such party all or any of its functions, rights and
powers under the Transaction Documents including the rights and authority to
receive on behalf of the Lender/TVS Credit/Company from the Borrowers all
outstanding dues under the loan agreement by engaging recovery agents and to
perform and execute all lawful acts, deeds, matters and things connected therewith
and incidental thereto. The Borrowers expressly and irrevocably consent that for
any claim against the Service Providers, the Lender/TVS Credit/Company shall not
be liable and the claim of the Borrowers on this account shall be against the
Service Providers only.

2 Clause of Loan agreement which details grievance 11.13 The Lender/TVS Credit/Company shall be accountable for any inappropriate
redressal mechanism behavior by its employees or employees of its Service Providers. In the event the
Borrower is aggrieved by the behavior or acts of any employees of its Service
Providers then the Borrower may lodge its grievance with: Grievance Redressal
Officer appointed as the Grievance Redressal Officer (GRO) under the Fair
Practices Code and digital lending guidelines issued on 02.09.2022 who can be
approached by the public for resolution of complaints against the Lender/TVS
Credit/Company. The Borrower may lodge a complaint by sending an email at
[email protected]. If the complaint / dispute is not redressed within a period of
one month, the customer may appeal to the Officer-in-Charge of the Regional
Office of Department of Non-Banking Supervision (DNBS), Reserve Bank of India,
Fort Glacis, Rajaji Salai, Chennai 600 001, Tamil Nadu, Tel: 044 25393406, under
whose jurisdiction the registered office of the Lender/TVS Credit/Company falls.
For the benefit of the Borrower, the above information on “grievances” will be
displayed at the Lender/TVS Credit/Company’s branches / places where business
is transacted.

3 Phone number and email id of the nodal grievance Email: [email protected]

redressal officer Mobile: 7305963580

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 its Name of the partner RE along with its
Blended rate of interest
funding proportion proportion of 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
NA
not be charged any penalty on prepayment of loan

ii) Details of LSP acting as recovery agent and authorized to approach the borrower NA
 TVS CREDIT SERVICES LIMITED

Annex B

Computation of APR

Sr. No. Parameter Details

1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS – Part 1) 22698
2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS – Part 1) 10 months
a) No. of instalments for payment of principal, in case of non – equated periodic loans NA
Type of EPI Monthly

b) Amount of each EPI (in Rupees) and Refer Installment Amount in Annex C

Nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) (Sl No. 5 of the KFS – Part 1) 10
c) No. of instalments for payment of capitalised interest, if any NA
d) Commencement of repayments, post sanction (Sl No. 5 of the KFS – Part 1) 44 Days (03/02/2025)
3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS – Part 1) Fixed
4 Rate of Interest (Sl No. 6 of the KFS – Part 1) 7.15%
Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on
5 1622.04
sanction date (in Rupees) -(a)

Out of the above amount paid as Interest Subvention by the OEM/Dealer -(b) 1622.04

Total Net Interest Amount payable by the customer (a) - (b) 0

6 Fee/ Charges payable (in Rupees) 1398

(a) Payable to TVS Credit Services Limited (Sl No.8A of the KFS -Part 1) (in Rupees) 699

Payable to a third-party routed through TVS Credit Services Limited (Sl No.8B of the KFS – Part 1)
(b) 699
(in Rupees)

7 Net disbursed amount (1-6) (in Rupees) 21300

8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 22698
1
Annual Percentage rate- Effective annualized interest rate (in percentage) (Sl No.9 of the KFS -
9 23.47%
Part 1)
10 Schedule of disbursement as per terms and conditions 100% upfront

From 03/02/2025 Till 03/11/2025 (3rd of

11 Due date of payment of instalment and interest
every month)

1
Computed on net disbursed amount using IRR approach and reducing balance method
 TVS CREDIT SERVICES LIMITED
Annex C
Repayment Schedule

Instalment No. Due Date Outstanding Principal (in Rupees) Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
1 03/02/2025 22698 2270 0 2270
2 03/03/2025 20428 2270 0 2270
3 03/04/2025 18158 2270 0 2270
4 03/05/2025 15888 2270 0 2270
5 03/06/2025 13618 2270 0 2270
6 03/07/2025 11348 2270 0 2270
7 03/08/2025 9078 2270 0 2270
8 03/09/2025 6808 2270 0 2270
9 03/10/2025 4538 2270 0 2270
10 03/11/2025 2268 2268 0 2268

The above is the final Key Fact Statement under the terms of the Loan Agreement which is legally binding on you. You shall make prompt and regular repayment of each EMI
per respective Due Dates mentioned in the final Key Fact Statement.