upfront_from_credit_fair - $user['consumer_emi']->processing_fee); ?> upfront_from_customer; $principal_amount = 0; $subvention = 0; $total_interest = 0; $total_subvention = 0; ?> addLoop($__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; } ?> upfront_from_customer): ?> '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; } ?>

Sr.No.	Particulars	Details
.	Application number
.	Loan application date
.	Name of the Borrower Name of the Co-Borrower	Co-Borrower:
.	Purpose of the loan	Education Loan
.	(i) Transaction Amount	₹ approved_amount); ?>/- (Rupees approved_amount); ?> )
.	(ii) Down Payment	₹ upfront_from_customer); ?> /- (Rupees upfront_from_customer); ?> )
.	(iii) Tentative Loan amount (amount disbursed/to be disbursed to the borrower) upfront_from_customer): ?> (i) - (ii)	₹ approved_amount - $user['consumer_emi']->upfront_from_customer)); ?> /- (Rupees approved_amount - $user['consumer_emi']->upfront_from_customer); ?> )
.	(iv) Total interest charge during the entire tenor of the loan	₹ /- (Rupees )
.	(v) Rate of Interest	interest_rate; ?> % / (interest_type_id]; ?>)
.	(vi) Processing fees (including GST), if any	₹ processing_fee); ?>/- (Rupees processing_fee); ?> )
.	(vii)Other Charges ( Stamp Duty, Insurance amount, Insurance Processing Amount)	₹ /- (Rupees )
.	Total amount to be paid by the borrower (iii) + (iv) + (vi) + (vii)	₹ /- (Rupees )
.	Amount of each installment of repayment	₹ emi); ?>/- (Rupees emi); ?> )
.	Tenor of the Loan (in months/days)	tenure; ?> months
.	Repayment frequency by the borrower	Monthly
.	Number of installments of repayment	remaining_emi; ?> Installments
.	Prepayment charges	Upto 4%
Details about Contingent Charges
.	Rate of annualized penal charges in case of delayed payments (if any)	54.75% 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	days
.	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 K. M. Global Credit 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
.	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.
.	Details of the Merchant	Name: Address:	Name: [ ] () Address:
.	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
.	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.