KEY FACT STATEMENT

@if(isset($signed_data[0])) @else @endif @if($user['merchant_id'] == 143) @else @endif upfront_from_credit_fair - $user['consumer_emi']->processing_fee); ?> @if(isset($user['loan_schedule']) && $user['loan_schedule'] != '') @if(isset($user['loan_schedule']['schedule'][0])) upfront_from_customer; $principal_amount = 0; $subvention = 0; $total_subvention = 0; $total_interest = 0;?> @foreach($user['loan_schedule']['schedule'] as $key=>$loan_schedule) 0){ $principal = ($principal_amount + $user['consumer_emi']->upfront_from_customer) - $subvention; }else{ $principal = $principal_amount + $user['consumer_emi']->upfront_from_customer; } ?> @endforeach @endif @endif insurance_premium_applicable) && $user['proFormaInvoice']->insurance_premium_applicable == 1) { $amountAB += $user['proFormaInvoice']->insurance_premium_amount; } $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) { $aprrate = 0; } ?> approved_amount - ($user['consumer_emi']->upfront_from_customer + $amountAB); ?> processing_fee) { $amountCB += $user['consumer_emi']->processing_fee; } ?> 12, 2 => 24, 3 => 52, 4 => 365, 5 => 4, 6 => 2, 7 => 1]; $frequecy_multiplier = ($user['frequency'] > 0 ) ? $payment_frequency_offer[$user['frequency']] : 12; ?>

Sr.No.	Particulars	Details
{!! $index++ !!}.	Agreement Number	{!! $user['application_id']!!}
{!! $index++ !!}.	Loan application date	{!! date('d-m-Y',strtotime($user['loan_application_date'])) !!}
{!! $index++ !!}.	Loan Agreement date	{!! date('d-m-Y',strtotime($signed_data[0]['click_time'])) !!}	{!! date('d-m-Y',strtotime($user['date_of_reference'])) !!}
{!! $index++ !!}.	Details of the Lender	{!! $lender['name'] !!}
{!! $index++ !!}.	Name of the Borrower	{!! $user['customer_name'] !!}
{!! $index++ !!}.	Purpose of the loan	Education Loan	{!! $user['purpose_of_the_loan'] !!}
{!! $index++ !!}.	(i) Loan amount (amount disbursed/to be disbursed to the borrower) @if($user['consumer_emi']->upfront_from_customer) @endif	₹ {!! money_format('%!i',($user['consumer_emi']->approved_amount - $user['consumer_emi']->upfront_from_customer)) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->approved_amount - $user['consumer_emi']->upfront_from_customer) !!})
{!! $index++ !!}.	(ii) Total interest charge during the entire tenor of the loan	₹ {!! money_format('%!i',$total_interest) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($total_interest) !!})
{!! $index++ !!}	(iii) Other up-front charges, if any (break-up of each component to be given below)	₹ 0.00/- (Rupees Zero only)
{!! $index++ !!}.	(iv) Net disbursed amount ((i) - (iii))	₹ {!! money_format('%!i',($netDisb)) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($netDisb) !!})
{!! $index++ !!}.	(v) Processing fees (including GST)	₹ {!! number_format($user['consumer_emi']->processing_fee) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->processing_fee) !!})
{!! $index++ !!}.	Total amount to be paid by the borrower ((i) + (ii) + (iii) processing_fee){ ?>+ (v))	₹ {!! number_format(($amountCB)) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords(($amountCB)) !!} )
{!! $index++ !!}.	Annual Percentage Rate - Effective annualized interest rate	{!! $aprrate !!}%
{!! $index++ !!}.	Amount of each instalment of repayment	₹ {!! number_format($user['consumer_emi']->emi) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->emi) !!})
{!! $index++ !!}.	First Instalment due date	{!! date('Y-m-d', strtotime($user['consumer_emi']->emi_date)) !!}
{!! $index++ !!}.	Tenor of the Loan (in months/days)	{!! $user['consumer_emi']->tenure !!} months
{!! $index++ !!}.	Repayment frequency by the borrower	Monthly
{!! $index++ !!}.	Number of instalments of repayment	{!! $user['consumer_emi']->remaining_emi !!} Installments
{!! $index++ !!}.	Prepayment charges	Zero
Details about Contingent Charges
{!! $index++ !!}.	Rate of annualized penal charges in case of delayed payments (if any)	24% on outstanding amount
{!! $index++ !!}.	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
Other disclosures
{!! $index++ !!}.	Cooling off/look-up period during which borrower shall not be charged any penalty on prepayment of loan	4 days of loan tenure for 7 days or more and 1 day for loan amount less than 7 days
{!! $index++ !!}.	Details of LSP acting as recovery agent and authorized to approach the borrower	https://creditfair.in/list-of-lsp
{!! $index++ !!}.	Name, Designation, Address and Phone number of nodal grievance redressal officer designated by LSP for lending related complaints/ issues	Name - Shraddha Mandlik Designation - Grievance Redressal Officer Email Id – grievance@creditfair.in Telephone – +91 9137504870 Address - Credit Fair (K. M. Global Credit Private Limited) 6A, 6th Floor, Corporate Centre, Andheri Kurla Road, Near JB Nagar Metro Station, Andheri East, Mumbai 400059
{!! $index++ !!}.	Name, Designation, Address and Phone number of nodal grievance redressal officer designated specifically to deal with FinTech/ digital lending related complaints/ issues	Name - Shruti Sarraf Designation - Nodal Grievance Redressal Officer Email Id – grievance.finance@adityabirlacapital.com Telephone – 080-45860196 Address - One Indiabulls centre, Tower 1, 18th Floor Jupiter mill compound 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013
{!! $index++ !!}.	Details of the Merchant	Name: @if(isset($user['official_merchant_name']) && $user['official_merchant_name']) [{!! $user['official_merchant_name'] !!}] @endif @if(isset($user['merchant_name']) && $user['merchant_name']) ({!! $user['merchant_name'] !!}) @endif Address: {!! $user['merchant_address'] !!}