@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_interest = 0; $total_subvention = 0; ?> @foreach($user['loan_schedule']['schedule'] as $key=>$loan_schedule) 0) { $principal = ($principal_amount + $user['consumer_emi']->upfront_from_customer) - $subvention; } else { $principal = $principal_amount + $user['consumer_emi']->upfront_from_customer; } ?> @endforeach @endif @elseif(isset($user['loan_schedule_new']) && $user['loan_schedule_new'] != '') 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); ?> @endif 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)){ $aprrate = 0; } ?> @if($user['consumer_emi']->upfront_from_customer) @endif 'Flat Balance Amount (Annualized)', 2 => 'Reducing', 3 => 'Flat Fixed Amount (Annualized)',4 => 'Flat (Non-Annualized)']; ?> insurance_premium_applicable) && $user['proFormaInvoice']->insurance_premium_applicable == 1) { $otherAmount += $user['proFormaInvoice']->insurance_premium_amount; if(isset($user['total_insurnace_permium']) && ($user['total_insurnace_permium'] != $amountAB)){ $otherAmount = $user['total_insurnace_permium']; } } ?> processing_fee) { $amountCB += $user['consumer_emi']->processing_fee; } if ($otherAmount){ $amountCB += $otherAmount ; } ?> 12, 2 => 24, 3 => 52, 4 => 365, 5 => 4, 6 => 2, 7 => 1]; $frequecy_multiplier = ($user['frequency'] > 0) ? $payment_frequency_offer[$user['frequency']] : 12; ?> remaining_emi * 30 >= 7){ $cool_off = 4; }else{ $cool_off = 1; } ?> @if($user['purpose_of_the_loan'] == "Personal Loan") @else @endif @if($user['purpose_of_the_loan'] != "Personal Loan") @endif

Sr.No.	Particulars	Details
{!! $index++ !!}.	Application number	{!! $user['application_id']!!}
{!! $index++ !!}.	Loan application date	{!! date('d-m-Y',strtotime($user['loan_application_date'])) !!}
{!! $index++ !!}.	Name of the Borrower @if(isset($user['co_applicant_name']) && $user['co_applicant_name'] != '') Name of the Co-Borrower @endif	{!! $user['customer_name'] !!} @if(isset($user['co_applicant_name']) && $user['co_applicant_name'] != '') Co-Borrower: {!! $user['co_applicant_name'] !!} @endif
{!! $index++ !!}.	Purpose of the loan	Education Loan	{!! $user['purpose_of_the_loan'] !!}
{!! $index++ !!}.	(i) Transaction Amount	₹ {!! money_format('%!i',$user['consumer_emi']->approved_amount) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->approved_amount) !!} )
{!! $index++ !!}.	(ii) Down Payment	₹ {!! money_format('%!i',$user['consumer_emi']->upfront_from_customer) !!} /- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->upfront_from_customer) !!} )
{!! $index++ !!}.	(iii) Tentative Loan amount (amount disbursed/to be disbursed to the borrower) @if($user['consumer_emi']->upfront_from_customer) (i) - (ii) @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) !!} )
{!! $index++ !!}.	(iv) Total interest charge during the entire tenor of the loan	₹ {!! money_format('%!i',$total_interest) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($total_interest) !!} )
{!! $index++ !!}.	(v) Rate of Interest	{!! $user['consumer_emi']->interest_rate !!} % / ({!! $interest_types[$user['consumer_emi']->interest_type_id] !!})
{!! $index++ !!}.	(vi) Processing fees (including GST), if any	₹ {!! number_format($user['consumer_emi']->processing_fee) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->processing_fee) !!} )
{!! $index++ !!}.	(vii)Other Charges ( Stamp Duty, Insurance amount, Insurance Processing Amount)	₹ {!! money_format('%!i',$otherAmount) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($otherAmount) !!})
{!! $index++ !!}.	Total amount to be paid by the borrower (iii) + (iv) + (vi) + (vii)	₹ {!! number_format(($amountCB)) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords(($amountCB)) !!} )
{!! $index++ !!}.	Amount of each installment of repayment	₹ {!! number_format($user['consumer_emi']->emi) !!}/- (Rupees {!! \App\Http\Controllers\Admin\ConsumerDocument::convertAmountToWords($user['consumer_emi']->emi) !!} )
{!! $index++ !!}.	Tenor of the Loan (in months/days)	{!! $user['consumer_emi']->tenure !!} months
{!! $index++ !!}.	Repayment frequency by the borrower	Monthly
{!! $index++ !!}.	Number of installments of repayment	{!! $user['consumer_emi']->remaining_emi !!} Installments
Details about Contingent Charges
{!! $index++ !!}.	Rate of annualized penal charges in case of delayed payments (if any)	54.75% 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	{!! $cool_off !!} days
{!! $index++ !!}.	Name, Designation, Address and Phone number of nodal grievance redressal officer designated specifically to deal with FinTech/ digital lending related complaints/ issues	Name: Shraddha Mandlik Designation: Grievance Redressal Officer Address: Grievance Redressal Officer BlackSoil Capital Private Limited 9, 6A, 6th Floor, Corporate Centre, Andheri Kurla Road, Near JB Nagar Metro Station, Andheri East, Mumbai 400059 Telephone no.: +91 9137504870 E-mail ID.: grievance@creditfair.in https://creditfair.in/grievance-policy
{!! $index++ !!}.	Undated Cheques & Cash Collection	We are collecting 2 undated cheques. One of Loan Amount & one Security Cheque 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.
{!! $index++ !!}.	Details of the Merchant	Name: {!! $user['customer_name'] !!} Address: {!! $user['address'] !!}	Name: @if(isset($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'] !!}
{!! $index++ !!}.	General Terms and Conditions	General Terms and Conditions registered on the {!! date('d/m/Y',strtotime($lender['registaration_date'])) !!} with the SubRegistrar of Assurances {!! $lender['SubRegistrar'] !!}, Vide registration no. {!! $lender['vide_registration'] !!} in Book No. - Vol. No. -from pages {!! $lender['firstpage'] !!} to {!! $lender['lastpage'] !!} 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
{!! $index++ !!}.	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.