KEY FACT STATEMENT

upfront_from_credit_fair - $user['consumer_emi']->processing_fee); ?> upfront_from_customer; $principal_amount = 0; $subvention = 0; $total_subvention = 0; $total_interest = 0;?> addLoop($__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(); ?> 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
.	Agreement Number
.	Loan application date
.	Loan Agreement date
.	Details of the Lender
.	Name of the Borrower
.	Purpose of the loan	Education Loan
.	(i) Loan amount (amount disbursed/to be disbursed to the borrower) upfront_from_customer): ?>	₹ approved_amount - $user['consumer_emi']->upfront_from_customer)); ?>/- (Rupees approved_amount - $user['consumer_emi']->upfront_from_customer); ?>)
.	(ii) Total interest charge during the entire tenor of the loan	₹ /- (Rupees )
	(iii) Other up-front charges, if any (break-up of each component to be given below)	₹ 0.00/- (Rupees Zero only)
.	(iv) Net disbursed amount ((i) - (iii))	₹ /- (Rupees )
.	(v) Processing fees (including GST)	₹ processing_fee); ?>/- (Rupees processing_fee); ?>)
.	Total amount to be paid by the borrower ((i) + (ii) + (iii) processing_fee){ ?>+ (v))	₹ /- (Rupees )
.	Annual Percentage Rate - Effective annualized interest rate	%
.	Amount of each instalment of repayment	₹ emi); ?>/- (Rupees emi); ?>)
.	First Instalment due date	emi_date)); ?>
.	Tenor of the Loan (in months/days)	tenure; ?> months
.	Repayment frequency by the borrower	Monthly
.	Number of instalments of repayment	remaining_emi; ?> Installments
.	Prepayment charges	Zero
Details about Contingent Charges
.	Rate of annualized penal charges in case of delayed payments (if any)	24% on outstanding amount
.	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
.	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
.	Details of LSP acting as recovery agent and authorized to approach the borrower	https://creditfair.in/list-of-lsp
.	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 - K.M. Global Credit Pvt Ltd Surya Mahal 4th Floor, 5 Burjorji Bharucha Marg, Mumbai-400001
.	Name, Designation, Address and Phone number of nodal grievance redressal officer designated specifically to deal with FinTech/ digital lending related complaints/ issues	Name - Smita Nadkarni Designation - Nodal Grievance Redressal Officer Email Id – grievance.finance@adityabirlacapital.com Telephone – 08045860196 Address - One Indiabulls centre, Tower 1, 18th Floor Jupiter mill compound 841, Senapati Bapat Marg, Elphinstone Road, Mumbai 400013
.	Details of the Merchant	Name: [] () Address: