KEY FACT STATEMENT

Date: 24th April, 2024

Name of the regulated entity: Lendingkart Finance Limited
Applicant Name: KKS ANIMAL FEEDS

Sr.
No. Parameter Details
(i) Loan amount (amount disbursed/to be
disbursed to the Borrower) (in Rupees) 5,20,000 /-
(ii) Total interest charge during the entire
tenure of the loan 1,70,613.00 /-
(iii) Other up-front charges (break-up of
each component to be given below) 10,200.0 /-
(a) Processing fees 2600.0 /-
(b) Insurance Charges 2000.0 /-
(c) Document charges 4600.0 /-
(d) Pre-emi 0.0 /-
(e) Others 0.0 /-
(iv) Net Disbursed Amount 5,09,800.0 /-
(v) Total amount to be paid by the Borrower
6,80.413.0 /-
(vi) Annual Percentage Rate - Effective
annualized interest rate (in percentage)
(computed on net disbursed amount 12 %
using IRR approach and reducing
balance method)
(vii) Charges/ fees for the other products 6,600.0 /-
received by the Borrower
(a) Financial Health Report (FHR) Nil
(b) Health Card Charges (including GST) 1000.0 /-
(c) Card Protection Plan (CPP) 0.0 /-
(d) Insurance Premium (Total) 2000.0 /-
Home 0.0 /-
Life 0.0 /-
Credit 0.0 /-
Hospicash 0.0 /-
(e) Other products (if any) Nil
(viii) Disbursement amount 5,09,800.0 /-
(ix) Tenure of loan (in months/days) 60
(x) Repayment frequency by the borrower MONTHLY
(xi) Number of installments of repayment 60
(xii) Amount of each installment of 11,340.00 /-
repayment

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Details about the contingent charges
(xiii) Rate of annualized penal charges in case of delayed payments (if Fixed Rs. 300 + 36% of overdue amount
any)
(xiv) Rate of annualized other penal charges (if any); (details to be Nil
provided)
Other disclosures
(xv) Cooling off/look-up period during which borrower shall not be 3 days
charged any penalty on prepayment of loan
(xvi) Details available in below link -
Details of LSP acting as recovery agent and authorized to approach https://www.lendingkart.com/wp-content
the borrower
/uploads/2022/09/Recovery-agents.pdf
(xvii) Name, designation, address, and phone number of nodal grievance
redressal officer designated specifically to deal with FinTech/ digital Details in next page
lending related complaints/ issues

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 Detailed Repayment Schedule

Installment No. Outstanding Principal (in INR) Principal (in INR) Interest (in INR) Installment (in INR)

1 ₹ 5,03,558 ₹ 6,242 ₹ 5,098 ₹ 11,340

2 ₹ 4,97,253 ₹ 6,305 ₹ 5,036 ₹ 11,340
3 ₹ 4,90,885 ₹ 6,368 ₹ 4,973 ₹ 11,340
4 ₹ 4,84,454 ₹ 6,431 ₹ 4,909 ₹ 11,340
5 ₹ 4,77,958 ₹ 6,496 ₹ 4,845 ₹ 11,340
6 ₹ 4,71,398 ₹ 6,561 ₹ 4,780 ₹ 11,340
7 ₹ 4,64,772 ₹ 6,626 ₹ 4,714 ₹ 11,340
8 ₹ 4,58,079 ₹ 6,693 ₹ 4,648 ₹ 11,340
9 ₹ 4,51,320 ₹ 6,759 ₹ 4,581 ₹ 11,340
10 ₹ 4,44,493 ₹ 6,827 ₹ 4,513 ₹ 11,340
11 ₹ 4,37,597 ₹ 6,895 ₹ 4,445 ₹ 11,340
12 ₹ 4,30,633 ₹ 6,964 ₹ 4,376 ₹ 11,340
13 ₹ 4,23,599 ₹ 7,034 ₹ 4,306 ₹ 11,340
14 ₹ 4,16,495 ₹ 7,104 ₹ 4,236 ₹ 11,340
15 ₹ 4,09,320 ₹ 7,175 ₹ 4,165 ₹ 11,340
16 ₹ 4,02,073 ₹ 7,247 ₹ 4,093 ₹ 11,340
17 ₹ 3,94,753 ₹ 7,319 ₹ 4,021 ₹ 11,340
18 ₹ 3,87,360 ₹ 7,393 ₹ 3,948 ₹ 11,340
19 ₹ 3,79,894 ₹ 7,467 ₹ 3,874 ₹ 11,340
20 ₹ 3,72,353 ₹ 7,541 ₹ 3,799 ₹ 11,340
21 ₹ 3,64,736 ₹ 7,617 ₹ 3,724 ₹ 11,340
22 ₹ 3,57,043 ₹ 7,693 ₹ 3,647 ₹ 11,340
23 ₹ 3,49,273 ₹ 7,770 ₹ 3,570 ₹ 11,340
24 ₹ 3,41,426 ₹ 7,847 ₹ 3,493 ₹ 11,340
25 ₹ 3,33,500 ₹ 7,926 ₹ 3,414 ₹ 11,340
26 ₹ 3,25,495 ₹ 8,005 ₹ 3,335 ₹ 11,340
27 ₹ 3,17,409 ₹ 8,085 ₹ 3,255 ₹ 11,340
28 ₹ 3,09,243 ₹ 8,166 ₹ 3,174 ₹ 11,340
29 ₹ 3,00,995 ₹ 8,248 ₹ 3,092 ₹ 11,340
30 ₹ 2,92,665 ₹ 8,330 ₹ 3,010 ₹ 11,340
31 ₹ 2,84,252 ₹ 8,414 ₹ 2,927 ₹ 11,340
32 ₹ 2,75,754 ₹ 8,498 ₹ 2,843 ₹ 11,340
33 ₹ 2,67,171 ₹ 8,583 ₹ 2,758 ₹ 11,340
34 ₹ 2,58,503 ₹ 8,669 ₹ 2,672 ₹ 11,340
35 ₹ 2,49,747 ₹ 8,755 ₹ 2,585 ₹ 11,340
36 ₹ 2,40,905 ₹ 8,843 ₹ 2,497 ₹ 11,340
37 ₹ 2,31,974 ₹ 8,931 ₹ 2,409 ₹ 11,340
38 ₹ 2,22,953 ₹ 9,020 ₹ 2,320 ₹ 11,340
39 ₹ 2,13,842 ₹ 9,111 ₹ 2,230 ₹ 11,340
40 ₹ 2,04,641 ₹ 9,202 ₹ 2,138 ₹ 11,340
41 ₹ 1,95,347 ₹ 9,294 ₹ 2,046 ₹ 11,340

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42 ₹ 1,85,960 ₹ 9,387 ₹ 1,953 ₹ 11,340
43 ₹ 1,76,479 ₹ 9,481 ₹ 1,860 ₹ 11,340
44 ₹ 1,66,904 ₹ 9,575 ₹ 1,765 ₹ 11,340
45 ₹ 1,57,233 ₹ 9,671 ₹ 1,669 ₹ 11,340
46 ₹ 1,47,465 ₹ 9,768 ₹ 1,572 ₹ 11,340
47 ₹ 1,37,599 ₹ 9,866 ₹ 1,475 ₹ 11,340
48 ₹ 1,27,635 ₹ 9,964 ₹ 1,376 ₹ 11,340
49 ₹ 1,17,571 ₹ 10,064 ₹ 1,276 ₹ 11,340
50 ₹ 1,07,407 ₹ 10,165 ₹ 1,176 ₹ 11,340
51 ₹ 97,141 ₹ 10,266 ₹ 1,074 ₹ 11,340
52 ₹ 86,772 ₹ 10,369 ₹ 971 ₹ 11,340
53 ₹ 76,299 ₹ 10,473 ₹ 868 ₹ 11,340
54 ₹ 65,722 ₹ 10,577 ₹ 763 ₹ 11,340
55 ₹ 55,039 ₹ 10,683 ₹ 657 ₹ 11,340
56 ₹ 44,249 ₹ 10,790 ₹ 550 ₹ 11,340
57 ₹ 33,351 ₹ 10,898 ₹ 442 ₹ 11,340
58 ₹ 22,345 ₹ 11,007 ₹ 334 ₹ 11,340
59 ₹ 11,228 ₹ 11,117 ₹ 223 ₹ 11,340
60 ₹0 ₹ 11,228 ₹ 112 ₹ 11,340

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Recovery Mechanism:
In case of non-payment of the loan amount, interest, and other charges as per the terms of the loan documents, the Lender or its
authorized service provider(s) may approach the borrower, co-borrower, and guarantor for the payment of the outstanding
amount, by way of call(s), SMS(s), email(s), and in person visit(s).
Notwithstanding anything mentioned hereinabove, in the event of non-receipt of the loan amount and other charges, the Lender
may resort to legal recourse.

Grievance redressal mechanism:

a) Customers who wish to provide feedback or send in their complaint may use the following channels between 10:00 am and
7:00 pm, on Monday to Friday (except on national holidays).
1) Internal Machinery to handle the customer complaints
i) Call our Customer Service Helpline on 1800 5720 202 (Toll free) (10:00 am to 7:00 pm - Monday to Friday, except on
national holidays)
ii) Email us at [email protected]
iii) Write to us at the mentioned address:
Lendingkart Finance Limited, 6th Floor, B Block, The First, The First Avenue Road, Behind Keshavbaug Party
Plot, Vastrapur, Ahmedabad - 380 015.
In case the complaint is not resolved within the given time or if he/she is not satisfied with the solution provided by LFL,
the customer can approach Grievance Redressal Officer:
Name: Ajitha K
Designation: Senior Director - Customer Service
Contact Number: +91- 6358874622 - 10.30 am to 6.00 pm Monday to Friday except National Holidays
Email ID: [email protected]
b) The Grievance redressal Officer will be available during office hours to receive the grievance of all customers. In the event
of the Grievance redressal Officer not being available the head of customer support team shall attend the customer.
c) After examining the grievance, the Grievance redressal Officer will send the final response within 30 working days of the
receipt of the complaint/ grievance. During this time, Customers can write into us to check on the status of their grievance, and
we will endeavour to respond to them as quickly as possible.
d) Certain types of cases might need additional time due to the nature of the activities involved, for e.g. retrieval of documents.
The Company will inform the Customers of such delay and provide expected timelines for resolution of the complaint.
e) If the complaint/dispute is not redressed within a period of one month (either the complaint of the customer was rejected
wholly or partly and the customer is not satisfied or the customer does not receive a reply), the customer may appeal to the
Ombudsman or Deputy Ombudsman, in either of the following manner:
1) Complaint made through online mode: The complaint may be lodged online through the designated portal i.e.,
https://cms.rbi.org.in
2) Complaint made through electronic or physical mode: The complaint may be made either electronically or physically in
the specified format to the Centralised Receipt and Processing, notified by RBI -

Centralised Receipt and Processing Centre (CRPC)

Reserve Bank of India
Central Vista, Sector 17,
Chandigarh - 160 017
Email - [email protected]
Toll Free No. - 14448 (9:30 am to 5:15 pm)

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