XVFPWRG00007320794

RAPOLU VAMSHI
FATHER'S NAME :- Rapolu Krishna
RAPOLU KRISHNA 7 - 87 SARWAPUR MANDAL
NARSAMPET
TELANGANA_N
506132
LANDMARK :- WATERTANK
PH :- 9502532335
MOBILE :- 9502532335

Dear Mr./ Mrs RAPOLU VAMSHI 20/11/2024

Ref: Your Agreement No. XVFPWRG00007320794

We thank you for choosing us as your preferred finance partner for your financial need. We value this relationship and
look forward to serving you.
We at Cholamandalam Investment and Finance Company Limited believe in anticipating your changing and growing
needs and would like to address them through quality service and products. All our financial solutions are customized to
service your life cycle needs.
Please find enclosed the terms and repayment schedule along with a copy of duly signed loan agreement. Kindly
arrange to submit a copy of registration certificate, insurance and invoice of your vehicle for our records.
For any queries you can contact us at the following address, while doing so please quote your agreement number,
mentioned above

Customer Care Unit

Cholamandalam Investment and Finance Company Limited
ASV Adarsh Tower,719, Pathari Road, Annasalai, Chennai-600 006. (CIN:L6599TN1978PLC007576)

1800 102 4565 95000 00312 (or) email us at: [email protected]

Our call center Timings: 9:00 AM to 7:00 PM for all days except Sundays and public holiday’s.
We extend a warm welcome to you and assure you the best of our services at all the times.

With Best Regards,

Cholamandalam Investment and Finance Company Limited
(Please note this is a computer generated letter and hence requires no signature)

1. All payments should be made promptly on due dates. Please note that any delay from the due date to date of actual payments will
attract penal charges at the rate of 30% per annum.
2. Collection Effort Charges of Rs.200/- per visit, Cheque & Mandate Bounce Charges of Rs.500/- per bounce will be debited.
3. Cheque/Mandate Swap Charges will attract a charge of Rs.1000/-
4. Preclosure: (a) No preclosure is permitted within six months from the date of agreement (b) For preclosure from 7 to 12 month from the date
of agreement a prepayment charge of 5% on principal outstanding will be charged. (c) Any preclsoure after 12 month from the date of
agreement, a prepayment charge of 4% on principal outstanding will be charged
5. Rs.250/- will be charged per Document / Duplicate Document Charges - SOA and Rs.500/- will be charged per Document / Duplicate
Document Charges - NOC
6. In case of dishonor of three or more PDC’s exhaustion of PDC’s expiry / rejection of ECS or such other mandate or disabled, Non PDC
charges of Rs.1500/- will be debited without further intimation
7. All taxes, duties, levies, surcharges and cess including but not limited to Goods and Services Tax (GST) shall be charged as may be
applicable from time to time.
“Download the Chola One app to access your loan account at your fingertips. You can pay your EMIs, view loan details,
view insurance details . You can also raise Service requests and avail self service options for faster resolution .”

_____________________________________________________________________________________________________
 RAPOLU VAMSHI
ీ 2 11 2 24
XVFPWRG00007320794

719 600 006.

(CIN:L6599TN1978PLC007576)

1800 102 4565 95000 00312 ే [email protected]

1 ీ ీ ీ 3

2 200 500
3 1000
4 ీ ే ీ 7 12
5% ీ 12
4%
5 250 SOA 500 NOC
6 ే ే
1500

_____________________________________________________________________________________________________
 Loan Details
Asset Model 350 CC
Loan Amount 239216
Interest Rate: Internal Rate of Return % (IRR) p.a and Method Customer IRR Business IRR
of Application 16.01 16.01
Repayable in Months 12
Mode of payment NACH
First Instalment Date 20-12-2024

Last instalment Date 20-11-2025

Mandatory & Statutory Deduction

Particulars Deduction
Sourcing Fee 800
Admin & Processing Fee 3496
Statutory & Regulatory Fees - Stamp Duty Charges 1200
Statutory Charges for Non-Individual Cases
Statutory & Regulatory Fees - Stamp Duty Service Charges 177
Insurance ( On specific request from borrowers )
Personal accident cover 528
Life Insurance 728

Total Deduction 6929

Net Disbursement* 232287
This includes the amount pertaining towards the adjustment / closure of other loans ,if any

_____________________________________________________________________________________________________
 Repayment Schedule for Agreement No: XVFPWRG00007320794

Instl. Num. Due Date Opening Principal Inst. Amt. Principal Interest Closing Principal

1 20/12/2024 239216 21705 18514 3191 220702

2 20/01/2025 220702 21705 18761 2944 201941
3 20/02/2025 201941 21705 19011 2694 182930
4 20/03/2025 182930 21705 19265 2440 163665
5 20/04/2025 163665 21705 19522 2183 144143
6 20/05/2025 144143 21705 19782 1923 124361
7 20/06/2025 124361 21705 20046 1659 104315
8 20/07/2025 104315 21705 20314 1391 84001
9 20/08/2025 84001 21705 20585 1120 63416
10 20/09/2025 63416 21705 20859 846 42557
11 20/10/2025 42557 21705 21137 568 21420
12 20/11/2025 21420 21705 21420 285 0

Please do not Forget to Collect Your Receipt After Making payments

_____________________________________________________________________________________________________
 Key Facts Statement

Date : 16-11-2024 VALIDITY : 16-12-2024

Part 1 (Interest rate and fees/charges)

1 Loan
proposal/
12390521 Type of Loan Vehicle/Equipment/Asset Finance
account
No.

2 Sanctioned Loan
239216
amount (in Rupees)

3 Disbursal schedule 100% Upfront

(i) Disbursement in stages
or 100% upfront
(ii) If it is stage wise,
mention the clause of loan
agreement having
relevant details

4 Loan term (year/months/days) 12 Months

5 Instalment details

Type of Number of
EPI (₹) Commencement of repayment, post sanction
instalments EPIs

monthly 12 21705 20-12-2024

6 Interest rate (%) and type (fixed or floating or

16.01%/ Fixed
hybrid)

7 Additional Information in case of Floating rate of interest

Impact of
change in the
reference
Reset periodicity
Final rate benchmark
Reference Benchmark (Months)
Spread (%) (S) (%) R = (B) (for 25 bps
Benchmark rate (%) (B) change in ‘R’,
+ (S)
change in)

No.of
B S EPI(₹)
EPIs

Page 1 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

 NA NA NA NA NA NA NA NA

8 Fee/ Charges (inclusive of tax)

Payable to a third party through

Payable to the RE (A)
RE (B)

Amount (in
₹) or Amount (in ₹) or
One-
One-time/Recurring Percentage Percentage (%) as
time/Recurring
(%) as applicable
applicable

(I) STATUTORY & One-Time 1200

REGULATORY FEES -
STAMP DUTY CHARGES

(II) SOURCING FEE One-Time 800

(III) ADMIN & PROCESSING FEE One-Time 3496

(IV) STATUTORY & One-Time 177

REGULATORY FEES -
STAMP DUTY SERVICE
CHARGES

9 Annual Percentage Rate

18.96%
(APR) (%)1

10 Insurance Services
opted by borrower

(I) PAC PREMIUM ₹ 528

(II) Life Insurance Premium ₹ 728

*APR is exclusive of Insurance Premium

11 Details of Contingent Charges (in ₹ or %, as applicable)

(I) Penal charges, if any, in case of delayed payment Any delay from the due date to date of actual payment
will attract Penal charges at the rate of 30% per annum

(II) Pre-closure Charges (Part payment/Full Closure) a) From 7 to 12 months from the Agreement date, 5% of
principal outstanding b) After 12 months from the
Agreement date, 4% of principal outstanding

Page 2 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

(III) Due Date Shifting 11.5% on the principal outstanding value for differential
days

11.1 Post disbursement servicing charges

(I) Cheque & Mandate Bounce Charges Rs.500 per bounce

(II) Cheque & Mandate Swap Charges Rs.1000/- Plus GST

(III) Legal Charges Actuals

(IV) Recovery Charges Actuals

(V) Collection Effort Charges Rs. 200/- Plus GST

(VI) Document/Duplicate Document Charges - Duplicate NOC Rs. 500/- Plus GST

(VII) Document/Duplicate Document Charges - Physical copy of SOA Rs. 250/- Plus GST

Page 3 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

 Part 2 Other Qualitative Information

1 Clause of Loan agreement 11. REPOSSESSION, TERMINATION AND COMPANY’S OTHER

relating to engagement of RIGHTS:
recovery agents C) Company’s Right Under the Agreement:
iii) Without prejudice to the rights of the Company to initiate any legal
proceedings for recovery of the outstanding, the Borrower and the Guarantor
expressly accept that the Company shall be entitled to appoint third parties as
it may deem fit and such third parties can carry out all or any of its functions,
rights and powers under this Agreement including the authority to collect dues
from the Borrower, without any prior consent of the Borrower.

2 Clause of Loan agreement which 30.GRIEVANCE REDRESSAL MECHANISM:

details grievance redressal The Company has laid out a detailed grievance redressal mechanism in line with
mechanism the extant guidelines of RBI. The grievance redressal mechanism and contact
details are available at https://cholamandalam.com/grievance-redressal.aspx. The
Borrower may get his/her grievance/s redressed under the said grievance
redressal mechanism.

3 Phone number and email id of the Email ID: [email protected]

nodal grievance redressal Phone no: 044 - 40906114
officer7

4 Whether the loan is, or in future Yes

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 Name of the partner RE along Blended rate of interest
with its funding proportion with its proportion of funding

Not applicable Not applicable Not applicable

1 – Does not include statutory levy such as stamp duty, and insurance premium deducted as a part of insurance
schemes. APR is computed exclusive of GST.

Page 4 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

 Illustration for computation of APR for Retail and MSME loans - 12390521

Sr Parameter Details
No

1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS template – Part 1) 239216

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 12 Months

a No. of instalments for payment of principal, in case of non-equated periodic loans 12

b Type of EPI monthly

Amount of each EPI (in Rupees) and 21705
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 12
(Sl No. 5 of the KFS template – Part 1)

c No. of instalments for payment of capitalised interest, if any 0

d Commencement of repayments, post sanction (Sl No. 5 of the KFS template – Part 20-12-2024
1)

3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS template – Part 1) Fixed

4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 16.01%

5 Total Interest Amount to be charged during the entire tenor of the loan as per the 21244
rate prevailing on sanction date (in Rupees)

6 Fee/ Charges payable (in Rupees) 5673

A Payable to the RE (Sl No.8A of the KFS template-Part 1) 5673

B Payable to third-party routed through RE (Sl No.8B of the KFS template – Part 1) 0

7 Net payable amount (1-6) (in Rupees) 2 233543

8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 260460

9 Annual Percentage rate- Effective annualized interest rate (in percentage)10 (Sl 18.96%
No.9 of the KFS template-Part 1)1

10 Schedule of disbursement as per terms and conditions Detailed Scheduled

Attached

11 Due date of payment of instalment and interest 20-12-2024

Page 5 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

1 – Does not include statutory levy such as stamp duty, and insurance premium deducted as a part of insurance schemes. APR is
computed exclusive of GST.
2 – The actual amount disbursed will be subject to other dealer schemes such as marketing support and/or subventions.

applicant
✓ OTP verify by: RAPOLU VAMSHI
Mobile 9502532335
IP
Lat & 18.017012754576193 &
Long 79.55362681228182
Date and time Sat Nov 16 2024 15:11:19

Page 6 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

 Detailed Repayment Schedule
Instalment No. Opening Principal (in Principal (in Interest (in Instalment (in
Rupees) Rupees) Rupees) Rupees)

1 239216 18514 3191 21705

2 220702 18761 2944 21705

3 201941 19011 2694 21705

4 182930 19265 2440 21705

5 163665 19522 2183 21705

6 144143 19782 1923 21705

7 124361 20046 1659 21705

8 104315 20314 1391 21705

9 84001 20585 1120 21705

10 63416 20859 846 21705

11 42557 21137 568 21705

12 21420 21420 285 21705

Acceptance

I/We acknowledge that the contents of KFS is explained to me/us by the employee of Cholamandalam Investment
and Finance Company Limited and I/We have fully understood the same.

applicant
✓ OTP verify by: RAPOLU VAMSHI
Mobile 9502532335
IP
Lat & 18.017012754576193 &
Long 79.55362681228182
Date and time Sat Nov 16 2024 15:11:19

Page 7 of 7 Acknowledgement No. K-VF-20241116151049-319442 / ENGLISH

 MANAGE YOUR
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VIEW / DOWNLOAD DOCUMENTS

 Welcome Letter
 Repayment Schedule
 Mini Statement of Accounts
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 Insurance Policy Existing Chola customers
Scan this QR code!
 Interest Certificate can login using OTP

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