Vide Paragraph No. 4.1.1(vii)] — THE RESERVE BANK OF INDIA ACT, 1934

[Vide Paragraph No. 4.1.1(vii)] Key Facts Statement Part 1 (Interest rate and fees/charges) 2 Fixed reset, other than on account of changes in credit profile 3 Please refer circular ' Reset of Floating Interest Rate on Equated Monthly Instalments (EMI) based Personal Loans ' dated August 18, 2023 . 4 REs may disclose the amount net of any taxes such as GST 5 Mention frequency, where recurring 6 Please refer to the illustration in Annex B (ii) Other penal charges, if any (iii) Foreclosure charges, if applicable (iv) Charges for switching of loans from floating to fixed rate and vice versa (v) Any other charges (please specify) Part 2 (Other qualitative information) 1 Clause of Loan agreement relating to engagement of recovery agents 2 Clause of Loan agreement which details grievance redressal mechanism 3 Phone number and email id of the nodal grievance redressal officer 7 4 Whether the loan is, or in future maybe, subject to transfer to other REs or securitisation (Yes/ No) 5 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 6 In case of digital loans, following specific disclosures may be furnished: (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 (ii) Details of LSP acting as recovery agent and authorized to approach the borrower 7 RE may furnish generic email id, provided a response is made within 1 working day