'Flat Balance Amount (Annualized)', 2 => 'Reducing', 3 => 'Flat Fixed Amount (Annualized)',4 => 'Flat (Non-Annualized)'];?> upfront_from_credit_fair - $user['consumer_emi']->processing_fee); $repayable = $user['consumer_emi']->upfront_from_customer; $principal_amount = 0; $subvention = 0; $total_interest = 0; $interest = 0; $total_subvention = 0; $principal = 0; ?> addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$loan_schedule): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?> 0) { $principal = ($principal_amount + $user['consumer_emi']->upfront_from_customer) - $subvention; } else { $principal = $principal_amount + $user['consumer_emi']->upfront_from_customer; } ?> popLoop(); $loop = $__env->getLastLoop(); ?> upfront_from_customer; $principal_amount = round($summary->principal_amount, 2); $subvention = $summary->subvention; $total_interest = round($summary->total_interest, 2); $interest_rate = round($summary->total_interest, 2); $total_subvention = $summary->subvention; $annualized_interest_rate = round($summary->annualized_interest_rate, 2); ?> insurance_premium_applicable) && $user['proFormaInvoice']->insurance_premium_applicable == 1) { // $amountAB += $user['proFormaInvoice']->insurance_premium_amount; // if(isset($user['total_insurnace_permium']) && ($user['total_insurnace_permium'] != $amountAB)){ // $amountAB = $user['total_insurnace_permium']; // } // } $amountAmtV = $user['consumer_emi']->processing_fee + $user['consumer_emi']->upfront_from_customer + $amountAB; if ($user['is_gst_applicable'] == 0) { $amountAmtV += $subvention; } $amtV = ($user['loan_amount'] - $amountAmtV); $aprrate = round(\MathPHP\Finance::rate($user['consumer_emi']->remaining_emi, $user['consumer_emi']->emi, -$amtV, 0) * 100 * 12, 2); if ($aprrate < 0) { $aprrate = 0; } // below condition is for NAN return by finance function if(is_nan($aprrate)){ $aprrate = 0; } // Recalculate Reducing Interest Rate if insurance is added to loan amount $proforma = $user['proFormaInvoice'] ?? null; $consumer_emi = $user['consumer_emi'] ?? null; $target_lender_id = env('INTEREST_RATE_CHANGE_LENDER_ID'); $user_lender_id = is_object($user) ? ($user->lender_id ?? null) : ($user['lender_id'] ?? null); if ($proforma && $consumer_emi && $target_lender_id !== null && $user_lender_id == $target_lender_id) { $is_merchant_2 = is_object($proforma) ? ($proforma->insurance_premium_by_merchant ?? 0) == 2 : ($proforma['insurance_premium_by_merchant'] ?? 0) == 2; if ($is_merchant_2) { $insurance_amount = is_object($proforma) ? ($proforma->insurance_premium_amount ?? 0) : ($proforma['insurance_premium_amount'] ?? 0); $upfront = is_object($consumer_emi) ? ($consumer_emi->upfront_from_customer ?? 0) : ($consumer_emi['upfront_from_customer'] ?? 0); $remaining = is_object($consumer_emi) ? ($consumer_emi->remaining_emi ?? 0) : ($consumer_emi['remaining_emi'] ?? 0); $emi = is_object($consumer_emi) ? ($consumer_emi->emi ?? 0) : ($consumer_emi['emi'] ?? 0); $reducing_pv = -($user['loan_amount'] - $upfront + $insurance_amount); $new_reducing_rate = round(\MathPHP\Finance::rate($remaining, $emi, $reducing_pv, 0) * 12 * 100, 2); if (!is_nan($new_reducing_rate) && $new_reducing_rate >= 0) { $user['interest_rate_reducing'] = $new_reducing_rate; } } } $netDisb = $user['sanction_amount_with_insurance'] - ($user['consumer_emi']->upfront_from_customer); if ($user['is_gst_applicable'] == 0 && isset($loan_schedule) && $loan_schedule['subvention']) { $netDisb -= $total_subvention; } $amountCB = $netDisb + $amountAB; if ($total_interest) { $amountCB += $total_interest; } // if ($user['consumer_emi']->processing_fee) { // $amountCB += $user['consumer_emi']->processing_fee; // } ?>
Key Facts Statement
Part 1: Interest Rate and Fees/Charges
Loan proposal/account No. Type of Loan
Sanctioned Loan amount (in Rupees) ₹ /- (Rupees )
Disbursal Schedule
(i) Disbursement in stages or 100% upfront. 100% Upfront

The Loan may be disbursed in one lump sum or in any number of installments/tranches, as may be decided by the Lender. Please refer Clause 2. (Disbursal Of Loan) of the Loan Agreement should for further details

Tranche 1: %
Tranche 2: %
Tranche 3: %
(ii) If in stages, mention the clause of loan agreement having relevant details.
Loan term (year/months/days) remaining_emi ?? ''); ?> months
Installment details
Type of installments Number of EPIs EPI (₹) Commencement of repayment, post sanction
remaining_emi ?? ''); ?> emi) ?? ''); ?> emi_date)); ?> 5th of every month 18th of every month emi_date)); ?>
Please refer to the Amortization Schedule for details. The EPI is calculated assuming entire sanctioned loan amount has been disbursed. The EPI shall be subject to change in case of partial drawdown in accordance with revised Amortization Schedule.
(a)Interest rate (%) and type (fixed or floating) % / (fixed) (a)Interest rate (%) and type (fixed or floating or hybrid) % / (floating)
(b)Interest rate(%) and type (flat) % / (flat)
Total Interest charged during entire tenor of the Loan

1. Payable by the customer Rs.

2. Payable by the merchant/institute Rs.

Additional Information in case of Floating rate of interest
Reference Benchmark Benchmark rate (%) (B) Spread (%) (S) Final rate (%) R = (B) + (S) Reset periodicity (Months) Impact of change in the reference benchmark (for 25 bps change in ‘R’, change in)
B S EPI (₹) No. of EPIs
NA NA NA NA NA NA NA NA CFPLR % % % 1 12 NA NA
Fee/Charges
processing_fee ?> 0 ? $stamp_duty : ($user['legal_charges'] ?? 0); $combined_legal_charges = $actual_stamp_duty + ($user['cersai_hypothecation_charges'] ?? 0); ?>
Payable to the RE (A) Payable to a third party through RE (B)
One-time/Recurring Amount (in ₹) or Percentage (%) One-time/Recurring Amount (in ₹) or Percentage (%)
(i) Processing fee (including GST) One time processing_fee) ?? ''); ?> NA NA
(ii) Insurance/Wellness charges Insurance charges (Premium Including GST) NA NA insurance_premium_by_merchant == 2): ?> NA NA insurance_premium_by_merchant == 2): ?> NA
(iii) Valuation fees NA NA NA NA
(iv) Any Other (please specify) NA NA NA NA
a) Add on service charges (including GST) insurance_premium_by_merchant == 2): ?> NA insurance_premium_by_merchant == 2): ?> NA NA NA
b) Legal document charges NA NA One-time 0 ? $combined_legal_charges : 'NA'); ?>
Amounts are mentioned inclusive of GST that shall be borne by the Borrower 3,4 These Amounts are part of the sanctioned loan amount and hence part of the APR calculation. Accordingly APR would not be calculated separately on these amounts to avoid duplication. These Amounts related to VAS would form part of Net disbursed amounts pursuant to disbursement of loan amount.
Annual Percentage Rate (APR) % reducing
Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, in case of delayed payment 2% of overdue EMI per month 2% p.m 54.75% p.a of outstanding dues
(ii) Other penal charges, if any Zero
(iii) Foreclosure charges, if applicable 0-6 months: Not allowed
7-12 months: 6.0% of principal outstanding + GST
13-24 months: 4.0% of principal outstanding + GST
>24 months: 3.0% of principal outstanding + GST		 Zero
(iv) Charges for switching of loans from floating to fixed rate and vice versa 450+GST Nil
(v) Any other charges All charges as applicable and as updated on our website
(a) Late Payments /Cheque /ECS /NACH dishonoured charges ₹ 300/- per late payment OR dishonor of cheque/ECS/NACH per presentation. Two successive cheque bounces/ auto debit failure will lead to loan recall notice being issued
(b) Undated Cheques & Cash Collection We are collecting 2 undated cheques if required. One of Loan Amount & one of EMI Amount. Unused cheques will be shredded at our end after successful repayment of the loan. Any cash collection would include additional Rs 400 per pick up.
(c) Merchant Refunds & Loan Cancellations In case of a return of a purchase to a merchant, a cancellation charge of 1.4% per month on outstanding principal would be payable.
(d) Bounce Charges ₹ 270
This KFS shall be valid for a period of 15 working days (Validity Period)

(Note: The aforesaid Validity Period refers to the period available to the borrower to agree to the terms of the loan upon receipt of this KFS from the Lender.)
KYC complied with RBI guidelines

(a) Other term & condition as mentioned in Loan agreement.
(b) Insurance: If the borrower has opted for insurance and not paid it upfront then the loan amount as mentioned in KFS will include applicable Insurance Premium and Service/Processing Fees as per agreed terms.
Place and Date of Execution and format('d F Y')); ?>
Security Exclusive First charge by way of hypothecation of Equipment/System listed in Appendix – A and all receivables arising out of the hypothecated Equipment/System.
Important conditions (A) Subsidy Prepayment:

In the event the Borrower becomes eligible for and receives any subsidy, incentive, or financial assistance from the Central Government, State Government, or any other statutory or regulatory authority in relation to the solar project financed under this Agreement (“Subsidy”), the Borrower may utilize such Subsidy towards part prepayment of the Loan.Such part prepayment may be effected immediately upon receipt of the Subsidy or at any time thereafter, in accordance with the prepayment terms and conditions stipulated under this Agreement. Provided that where the Borrower applies the Subsidy amount towards part prepayment within seven (7) days from the date of receipt of the Subsidy, no prepayment charges shall be levied. Any part prepayment made after the said period shall be subject to applicable prepayment charges, as per the terms of this Agreement. Any amount so prepaid shall be appropriated towards reduction of the outstanding principal of the Loan, and shall result in a corresponding reduction in interest liability and/or Loan tenure, as determined by the Lender in accordance with its prevailing policies

(B) Pre-Part / Foreclosure:
    1. The Borrower shall be eligible to make a Pre-Part Payment or Foreclosure under this Agreement only after payment of at least one (1) EMI.
    2. In the event the Borrower makes any Pre-Part Payment or Foreclosure before payment of the first EMI, the interest component of the first EMI shall first be deducted from the Pre-Part/Foreclosure amount, and only the remaining balance, if any, shall be adjusted towards the outstanding principal.
    3. The minimum amount of any Pre-Part Payment shall not be less than the equivalent of two (2) EMIs.
    4. Following any Pre-Part Payment, the Borrower shall be required to pay at least one (1) subsequent EMI before becoming eligible to make any further Pre-Part Payments.
    5. All Pre-Part Payments and Foreclosures shall be subject to applicable charges, fees, or notice requirements as may be prescribed by the Lender from time to time.




Part 2: Other Qualitative Information
Clause of Loan agreement relating to engagement of recovery agents Annexure 1 Pursuant to Clause 12.1, the Lender is authorised to engage or appoint one or more person(s) to verify any fact or information furnished by, concerning and pertaining to the Borrower and/or to collect any and all Borrower information or activities relating to the administration of the Loan including the rights and authority to collect and receive on behalf of the Lender all dues and unpaid installments and other amounts due by Borrower under this Agreement. Recovery Mechanism: In the event of any delay or default in payment of any amount due and payable by the obligor(s) in relation to the loan, the obligor(s) may be reminded or given notice of demand to pay the overdue amounts by making telephone call(s), sending written communications by letters and/or electronic communications or by making personal visits. Personal visits may be to the workplace and/or residence/ identified place of stay or work of the obligors as per their preference and in case such preference is not communicated/ascertained, obligors will be contacted only at their residence/ identified place of stay and if unavailable at residence, at the place of business/occupation/ identified place of work. Such personal visits shall ideally be between 7.00 am and 7.00 pm. In case of personal visits, identity and authority of persons making such visit for follow up and recovery would be made known to the obligors at the first instance. Lender may utilize the services of the LSP, and the Lender and/or the LSP may utilize the services of collection agents for collection of amounts in relation to the loan. The LSP and the collection agents will be required to follow a code of conduct covering their dealings with the obligors. All the practices adopted for follow up and recovery of dues and enforcement of security will be inconsonance with the law. In addition to the foregoing, the loan may be recalled, and recovery proceedings may be initiated in accordance with the terms and conditions governing the loan. https://creditfair.in/collection_mechanism.pdf
Clause of Loan agreement which details grievance redressal mechanism Annexure 2 Annexure A of this KFS comprises details of the Grievance Redressal Mechanism. The details of the Designated Grievance Redressal Officer and the procedure for redressal of grievances have been also placed on the website at https://www.avanse.com/. If you have any query or issue, we request you to write to our customer care. We are committed to resolving your queries/issues. If you are not satisfied with the resolution provided you in 7 days you can write to the Grievance Redressal Officer. If the query is not resolved in 30 days kindly write to the Grievance Redressal Officer. https://creditfair.in/grievance-policy
Phone number and email ID of the nodal grievance redressal officer Name: Shraddha Mandlik
Telephone no.: +91 9137504870
E-mail ID.: grievance@creditfair.in

Lender GRO details - Name of the Grievance Redressal Officer/ Principal Nodal Officer: Ajit Menon, Group Chief Operating Officer.
Address: Prestige Zackria Metropolitan, No.200/1-8, 2nd Floor, Block 1, Anna Salai, Chennai 600002
Contact Details (Telephone/Email): 044- 40074801/ grievanceredressal@vivriticapital.com. 		Details of Grievance Redressal Officer
(GRO) of Lender
Name: Mr. G. D. Patil
Designation: Senior Vice President
Telephone: 022-6859-9999
Address: Avanse Financial Services Limited, E-Wing, 4th Floor, Times Square Andheri-Kurla Rd, Gamdevi, Marol, Andheri East, Mumbai, Maharashtra- 400059
Email: gro@avanse.com		 Utkarsh Small Finance Bank GRO details
Name: Naveen Kumar Mishra
Contact: Number: 0542-7109524
Email: nodalofficer.digi@utkarsh.bank
Address: S-24/1-2 Ground Floor Mahavir Nagar, Orderly Bazar, Near Mahavir Mandir Varanasi, Uttar Pradesh, India, PIN – 221002 		Name: Shraddha Mandlik
Telephone no.: +91 9137504870
E-mail ID.: grievance@creditfair.in
Details of Lending Service Provider’s (LSP’s) Nodal Grievance Redressal Officer (if any) Details of Grievance Redressal Officer (GRO) of LSP BlackSoil Capital Private Limited
Name: Shraddha Mandlik
Telephone no.: +91 9137504870
E-mail ID.: grievance@creditfair.in
https://creditfair.in/grievance-policy
Address: Grievance Redressal Officer 6A, 6th Floor, Corporate Centre, Andheri Kurla Road, Near JB Nagar Metro Station, Andheri East, Mumbai 4000598
Whether the loan is subject to transfer to other REs or securitization (Yes/No) Yes

Please refer to Clause 15.11 (Miscellaneous) of the Loan Agreement.		 Yes
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 funding proportion Name of the partner RE along with its proportion of funding Blended rate of interest
K.M GLOBAL CREDIT PVT LTD. (0%) Vivriti Capital (100%) % a. Originating LSP: K.M. Global Credit Pvt. Limted
b. Funding portion: 0%		 a. Partner RE: Utkarsh Small Finance Bank
b. Funding portion: 100%		 NA NA NA NA
Validity of this KFS 45 Days from the date of issuance
In case of digital loans, following specific disclosures may be furnished:
remaining_emi * 30 >= 7){ $cool_off = 4; }else{ $cool_off = 1; } ?>
(i) Cooling off/look-up period, in terms of RE’s board approved policy, during which borrower shall not be charged any penalty on prepayment of loan NA 3 days No prepayment/foreclosure penalty shall be charged during the loan tenure days
(ii) Details of LSP acting as recovery agent and authorized to approach the borrower NA https://creditfair.in/list-of-lsp

Note: Upon an event of default the Lender may initiate appropriate legal proceedings as per the loan agreement and/or the applicable laws.		 https://creditfair.in/list-of-lsp
Details of Merchant Name:
Address: 		Name: [ ] ()
Address:
account_number)): ?> Account Holder Name: account_holder; ?>
Name Of Bank: bank_name; ?>
Branch: branch_name; ?>
Account Number: account_number; ?>
IFSC Code: ifsc_code; ?>
General Terms and Conditions General Terms and Conditions registered on the with the SubRegistrar of Assurances , Vide registration no. in Book No. - Vol. No. -from pages to will be applicable for the Loan availed by the Borrower. The same shall form part and parcel of this Most Important Document https://creditfair.in/privacy-policy
Date & Place format('d F Y')); ?> &
Security Exclusive first charge by way of hypothecation of Equipment/System listed in Appendix - A and all receivables arising out of the hypothecated Equipment/System
Additional Details of the Loan
Lender Avanse Financial Services Limited
Merchant’s/Institute’s Name Name: () ()
Merchant and/or Institutes Account Details account_holder)): ?>

Account Holder: account_holder; ?>

Account Number: account_number; ?>

Bank: bank_name; ?>

Branch: branch_name; ?>

Account Holder: account_holder; ?>

Account Number: account_number; ?>

Bank: bank_name; ?>

Branch: branch_name; ?>
Details of Borrower/Co-Borrower
Name of Borrower
Email
Phone Number
Address

Name of Co-Borrower
Email
Phone number
Address
Purpose Education Loan
Specific Condition

(1) Borrower(s) shall submit valid and requisite documents and meet credit underwriting norms of the Lender.

(2) In case of premature withdrawal from the course/ request for cancellation of drawdown, the Borrower shall submit no objection certificate from the institute and arrange credit for proportionate refund and foreclosure amount of the Loan to the Lender.
Examples of Special Mention Account (SMA) and Non Performing Asset (NPA) classification dates. PLEASE READ THE FOLLOWING INFORMATION CAREFULLY. AS IT CONTAINS VERY IMPORTANT INFORMATION ABOUT CLASSIFICATION OF YOUR LOAN ACCOUNT BASIS OVERDUE STATUS. SUCH CLASSIFICATION CAN HAVE MATERIAL IMPACT ON YOUR CREDIT STANDING IN CASE FINANCIAL DISCIPLNE IS NOT FOLLOWED IN REPAYING THE LOAN ON TIME.

Borrower(s) to note the following:

  • The Loan Account shall be automatically reported as NPA strictly on the 90th Day of it remaining as Overdue.
  • ¨The status of the account cannot be upgraded/ regularized to standard from NPA, until all the unpaid instalments are fully repaid along with the other charges/arrears.
  • The Loan Account shall continue as NPA even though the Loan Account is credited with certain months of the instalments out of all the unpaid instalments/arrears.
  • Borrower(s) shall ensure (i) to make timely repayment of the instalment on its due date and (ii) in any case prevent 90 Days Overdue causing NPA.

Mentioned below is the illustration for Special Mention Account (SMA)/Non-Performing Asset (NPA) classification dates.

Due Date Date of Overdue Basis for Classification Account Classification
Principal or interest payment or any other amount wholly or partly overdue SMA Sub-categories
10th March 2024 10th March 2024 Up to 30 days SMA-0
10th April 2024 09th April 2024 31-60 days SMA-1
10th May 2024 09th May 2024 61-90 days SMA-2
10th June 2024 08th June 2024 More than 90 days NPA

Explanation:

  • If the due date of an account is 10th March’ 2024, and the full dues/instalment is not received before the Lender runs its day-end process for this date, the date of overdue shall be 10th March’ 2024.
  • If the account continues to remain overdue, then this account shall get tagged as SMA-1 upon running day-end process on 09th April’2024 i.e., upon completion of 30 days of being continuously in overdue. Accordingly, the date of SMA-1 classification for that account shall be 09th April’2024.
  • Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2 upon running the day-end process on 09th May’2024; and
  • If the account continues to remain overdue further, it shall get classified as NPA upon running day-end process on 08th June’ 2024
  • If the instalments of “March’2024” & “April’2024” are collectively repaid post “08th June’ 2024”, then also the account shall continue to be reported as NPA.

If all the unpaid instalments (in the above example from “March’2024” till actual realization) are fully paid along with the other charges/arrears, then only the account will be upgraded/regularized as standard asset and shall not be reported as NPA.
Computation of APR
Sr No Parameter Details
Sanctioned Loan Amount ₹
Loan term (in months) remaining_emi ?? ''); ?> months
(a) Number of installments for payment of principal, in case of non-equated periodic loans (months) NA
(b) Type of EPI
Amount of each EPI (in Rupees) and
Nos. of EPIs
emi) ?? ''); ?>
remaining_emi ?? ''); ?>
(c) Number of installments for payment of capitalised interest, if any NA
(d) Commencement of repayments, post sanction emi_date)); ?> 5th of every month 18th of every month emi_date)); ?>
Interest rate type Fixed Floating
Rate of Interest %
Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on sanction date ₹
Fee/Charges payable (Collected upfront) ₹
(a) Payable to the RE ₹
(b) Payable to third-party routed through RE ₹
Net Disbursed Amount ₹ /-
Total amount to be paid by the borrower ( 1 + 5 ) ₹ /-
Annual Percentage rate- Effective annualized interest rate %
Schedule of disbursement as per terms and conditions As per clause 3 in Part 1 Please refer to loan agreement for Disbursal schedule and other terms and conditions.
Due date of payment of Installment and interest 7th of every month 5th of every month (Also refer Repayment schedule in the welcome letter) 18th of every month (Also refer Repayment schedule in the welcome letter) emi_date)); ?>
Exclusive of GST(*)

*The floating interest rate will be linked to the Credit Fair Prime Lending Rate (CFPLR), which will be updated on the lender's website from time to time according to Credit Fair's policy. The lender has the right to modify CFPLR due to external factors like increase in cost of funds, changes in regulatory policies etc. and also spread thereon owing to slippage in risk profile of the borrower, non-compliance with approved terms and conditions etc. Any change in CFPLR or Spread or both may lead to change in EMI amount/tenor or both. If you wants to change the interest rate type from Floating Interest Rate to Fixed Interest Rate then charges may be applicable as per the prevailing policy of the company.

12, 2 => 24, 3 => 52, 4 => 365, 5 => 4, 6 => 2, 7 => 1]; $frequecy_multiplier = ($user['frequency'] > 0) ? $payment_frequency_offer[$user['frequency']] : 12; $interest_rate = ($total_interest) / ($principal_amount + $user['consumer_emi']->upfront_from_customer); if(isset($user['loan_schedule']) && $user['loan_schedule'] != ''){ $annualized_interest_rate = round(((($repayable - $principal) / $principal) * ($frequecy_multiplier / $user['consumer_emi']->remaining_emi)) * 100, 2); } ?>
INDICATIVE REPAYMENT SCHEDULE UNDER EQUATED PERIODIC INSTALMENT
(Final/revised repayment schedule will be shared with welcome letter)
addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$loan_schedule): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?>
Installment No. Outstanding Principal (in Rupees) Principal (in Rupees) Interest (in Rupees) Installment (in Rupees)
interest_rate > 0) { $totalPrincipal += $loan_schedule['amount'] - $interest_payable; $totalInterest += $interest_payable; } else if($user['is_gst_applicable']) { $totalPrincipal += $loan_schedule['amount']; $totalInterest = 0; } else { $totalPrincipal += $loan_schedule['amount'] - $interest_payable; $totalInterest += $loan_schedule['subvention']; } if(isset($user['merchant_offer']->processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee) { $totalInstallment += $loan_schedule['amount'] + $user['consumer_emi']->processing_fee; } else { $totalInstallment += $loan_schedule['amount']; } ?> interest_rate > 0): ?> processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee): ?> popLoop(); $loop = $__env->getLastLoop(); ?> addLoop($__currentLoopData); foreach($__currentLoopData as $key=>$loan_schedule): $__env->incrementLoopIndices(); $loop = $__env->getLastLoop(); ?>
₹ ₹ ₹ ₹ ₹ ₹0 ₹ ₹ ₹processing_fee ,2)); ?> ₹
Total ₹ ₹ ₹
processing_fee_first_emi) && $user['merchant_offer']->processing_fee_first_emi && $key == 1 && $user['consumer_emi']->processing_fee){ $emi_amount += $user['consumer_emi']->processing_fee; } if($loan_schedule['bpi_interest'] > 0){ $totalOutstdPrincipal += $loan_schedule['bpi_interest']; } $totalOutstdPrincipal += $loan_schedule['foreclosure_amount']; $totalPrincipal += $loan_schedule['principal_comp']; $totalInterest += $loan_schedule['interest_comp']; $totalInstallment += $emi_amount; ?> 0): ?>
popLoop(); $loop = $__env->getLastLoop(); ?>
Pre-EMI ₹ NA NA NA
₹ ₹ ₹ ₹
Total ₹ ₹ ₹