BAJAJ FINANCE LIMITED ("BFL")

Consumer Finance Application Form

Application Form No. PZT24080212002VDTV01

Customer Name Sumit Chauhan

Applied Loan Amount ₹13058.00

Tenure 6

Dealer Name FLIPKART INTERNET PVT LTD

Purpose of Loan Purchase of Product/Services for Personal Use

GENERAL TERMS & CONDITIONS:

hereby agree and confirm:

1. That, (i) I am at least 18 years of age, (ii) can understand, read and write in the English language, (iii) have read and understood the
Application Form, and Master Terms and Condition in relation to the Loan available on Master Terms & Conditions
(https://www.bajajfinserv.in/master-tncs-applicable-for-cd-loans-and-emi-card.pdf) ( https://www.bajajfinserv.in/master-tncs-
applicable-for-cd-loans-and-emi-card.pdf) and (iv) agree to be bound by the same
2. That I am applying for Finance Facility from Bajaj Finance Ltd ("BFL") as stated in this Application Form.
3. To submit and execute any/all documents, in such form and manner as may be required by BFL in relation to this Application Form
and/or related products
4. I shall make payment of the applicable fee and/or charges, as specified herein by BFL with respect to this loan application and as
more specifically detailed under Annexure I, below or which also can be accessed at https://www.bajajfinserv.in/all-fees-and-
charges (https://www.bajajfinserv.in/all-fees-and-charges#en)
5. Authentication/Acceptance: The mode of authentication/acceptance may be done by me through any one of the following modes,
namely:

1. By Physical execution: The documentation will be signed by me in person and the same shall be relied and acted as my explicit
written instruction/consent by BFL; OR
2. By Electronic authentication: By checking the “I Agree” button at the end of the Application Form and by submitting the one-time
password (“OTP”) sent by BFL, or authentication/execution by any other electronic mode, I confirm my acceptance on the
Application Form, Most Important Terms and Conditions(“MITC”) and Master Terms and Conditions (“Master Terms”) in relation to
the Loan through electronic means and the same shall be relied and acted upon by BFL.
6. CONSENT FOR ADDITIONAL DETAILS
I hereby authorise and give my consent to the BFL to verify/check/obtain/download/upload/update/retrieve/receive my following
details: (i) profession or (ii) income or (iii) financial details or (iv) location or (v) IP address or (vi) photographs of residence/business
premises or (vii) alternative mobile phone number or (viii) alternate residence address or (ix) any other additional information as
deemed fit by BFL through details shared by me for this Application Form and Loan Agreement.

7. I also authorize BFL:

1. To use, verify, exchange, share or part with all information and details as provided by me to BFL’s group companies/business
partners/permitted assigns, affiliate/subsidiaries/agents/ service provider/representatives/empanelled merchants (collectively
referred to as “Assigns”) and any third party including but not limited to, banks, financial institutions, credit bureaus,
telecommunication companies, statutory bodies, empanelled merchants, Central KYC Registry, Protean eGov Technologies
Reserve Bank of India, GST Portal, CIBIL/CRISIL/any credit rating agency/credit information company(CIC), Information Utility,
NSDL e-Governance Infrastructure Limited (NSDL)/UTI Infrastructure Technology and Services Limited (UTIITSL), UIDAI for
purposes such as, including but not limited to customer verification and due diligence, personalization of products or services,
credit rating, data enrichment, analysis, marketing or promotion of BFL services or related products or that of its Assigns or for
enforcement of my obligations and I shall not hold BFL/its Assigns liable for the use/storage/sharing of the data and informations
as stated above. I am aware and I Agree that my Aadhaar details such Aadhaar Number, registered mobile Number, and registered
email ID will be masked by BFL before sharing to its permitted Assigns and/or any third party as per laws/regulations.
2. To seek/obtain any other information, generate periodic reports relating to me either by itself and/or from any third party.
3. To procure/avail my CIBIL report and provide it to me by deducting applicable charges for the same.
8. I hereby expressly authorise BFL, its group companies, affiliates and/or business associates and their respective representatives to
send me communications regarding loans, insurance and their respective products and/or services (collectively “Other Products”)
through telephone calls/SMSs/emails/post/bots/bitly etc. including but not limited to promotional communications. I Agree and
understand that such Other Products if availed, are governed by their own set of terms and conditions, which shall be in addition to
and not in derogation to the terms and conditions prescribed by BFL herein. I understand that I can at any time opt not to receive any
telecommunication;
9. I hereby declare that all the information voluntarily furnished by me is true, correct and complete. I will not hold BFL or any of its
officials responsible in case of any incorrect information provided by me.

10. That no insolvency proceedings or suits for recovery of outstanding dues, monies or property (ies) and/or any criminal proceedings
have been initiated and/or are pending against me.
11. I have not received any request for or made any payment in cash, bearers cheques or of any other kind in connection with this
Application Form from/to any person.
12. That BFL has the absolute discretion, to accept or reject this loan application, as it may be deemed fit by BFL at any time, either
before or after verification.
13. That this Application Form, its contents and information/details provided by me, from time to time, as part of this application, may be
submitted to:

1. BFL, its subsidiaries and affiliates of BFL, any service provider/third party/ legal entity with whom BFL may have business
relationship and/or in reference to rendering services in connection with the product(s) availed by me and/or for
promoting/marketing various products and services.
2. To any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need basis.
14. Interest Rate Methodology-

Interest rate applicable for consumer durable Loans varies from 0% to 36% basis the BFL’s internal credit and risk policy and as per an
algorithmic multivariate score card which includes following variables (inclusive and not exhaustive):

(i) Interest rate risk (fixed vs floating loan), Credit and default risk in the related business segment (iii) Historical performance of
similar homogeneous clients (iv) Profile of the borrower (v) Industry segment, (vi) Repayment track record of the borrower, (vii),
Nature and value of collateral security, (viii) Secured Vs unsecured loan, (ix) Subvention available, (x) Ticket size of loan, (xi) Bureau
 Score, (xii), Tenure of Loan, (xiii) Location delinquency and collection performance and (xiv) Customer Indebtedness (other existing
loans)

The aforesaid variables may be revised from time to time.

15. BFL Customer Care Contact details:
For any queries, visit our website https://www.bajajfinserv.in/reach-us (https://www.bajajfinserv.in/reach-us). Select the < Email
Us > tab and follow the directions to get your query resolved.
16. Loan Application will be processed within 3 days from the date of receipt of Application.

Annexure I :

Sr. Fees and Charges Amount (₹) / Percentage (%)

No. Name

1 Processing Fees Up to ₹ 5000/- (Inclusive of applicable taxes) will be collected along with 1st EMI

2 Bounce Charges Rs.500/- per bounce. “Bounce charges” shall mean charges for non-payment of instalment (s) on their respective due
dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.

3 Penal Charges Delay in payment of instalment(s) shall attract penal charges of Rs. 4/- per day per instalment from the respective
due date until the date of receipt of the full instalment(s) amount.

4 Convenience Fee ₹ 149/- (Inclusive of applicable taxes) will be collected along with 01st instalment.

5 Loan enhancement ₹ 117/- (Inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged
Fee only for increase in limit in excess of Rs. 999/- to be collected along with 01st instalment.

6 Pre-payment Full Pre-payment

charges
Nil, Any time post disbursement of loan

Part Pre-payment

Nil, Any time post disbursement of loan

7 Credit Tracking ₹ 77/- (Inclusive of applicable taxes) will be collected along with 01st instalment
Report Fee(if
availed)

8 Transaction Fee ₹ 147/- (Inclusive of applicable taxes) payable by customer (i) who does not hold valid EMI card; (ii) to whom the loan is
facilitated; and (iii) at the time of making payment of first EMI/upfront payment as part of loan transaction

9 Annual Fee ₹ 117/- (Inclusive of applicable taxes) for each EMI Network card availed, payable by the customer who has not availed any
loan using EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last
year’s validity month, referred to as ‘Member Since’, which is printed on the face of respective EMI Network Card.

10 Cash collection ₹ 177 /- (inclusive of applicable taxes) will be charged if customer opts to make payment in cash when the collection is
handling charges done by the collection agents. This fee is charged only once per month, regardless of the number of payments made
against multiple LANs.

11 Cash deposit Customers will incur a cash deposition charge of ₹50 /- (Inclusive of Applicable taxes) when making cash payments at our
Charges branch offices.

12 PG facility charges ₹ 11 (Inclusive of Applicable taxes) will be charged for utilizing the payment gateway to make part or full payments towards
the loan through digital properties.

Sub: Key Fact Statement

Acceptance mandatory to generate OTP

Date:02/08/2024 12:00:57

Reference no:PZT24080212002VDTV01

Customer Name Sumit Chauhan

Dealer/Merchant/Manufacturer Name FLIPKART INTERNET PVT LTD

Dealer/Merchant/Manufacturer Code 139908

Dear Sumit Chauhan

We thank you for choosing Bajaj Finance Limited (“BFL”) as your financial partner and look forward to an enduring relationship with you.

In reference to your loan request to purchase consumer durable product(s), Bajaj Finance Ltd ("BFL"), has approved your loan request. As you embark on
this journey with us, our priority is to ensure that you are well-informed about the Total interest payable for entire tenure of the loan, fees and charges,
Annual percentage Rate (APR) and other important terms including Repayment Terms associated with this loan, all of which are detailed in the following
"Key Fact Statement"

Please note all details given in respective sections. Your acceptance of this Key Fact Statement by clicking on "I Agree" and/or providing your physical
signature will constitute a valid acceptance of the “Key Fact Statement” contained therein and same shall have binding effect on you.

Thanking You,

Authorised Signatory,

Bajaj Finance Ltd.

KEY FACT STATEMENT

 Sr No Parameter Details

1 Gross Loan Amount ₹13058.00

2 Advance EMI to be collected ₹0.00

3 Loan Amount (No 1) - (No 2) (amount to be disbursed to dealer on behalf of ₹13058.00

borrower)

4 Annualized Rate of Interest 0%

5 Total interest charge during the net tenure of the loan (1) ₹0.00

6 Upfront charges / Interest borne by customer (break-up of each ₹325.00

component given below)

Processing fees ₹176.00

Upfront Interest ₹0.00

Convenience Fees ₹149.00

Transaction Fees ₹0.00

Loan Enhancement Fees ₹0.00

7 Net loan amount for APR (No 3) - (No 6) (1) ₹12733.00

8 Total Amount to be paid by borrower towards loan (No 3) + (No 5) + (No 6) ₹13383.00
(1)

Annual Percentage Rate - Effective annualized interest rate (in 8.7%

9 percentage) (computed on net loan amount (No. 7) using IRR approach
and reducing balance method) (%) (1)
10 Optional value added products/services opted by the borrower (Not part of ₹0.00
APR)

Credit Tracking Report Charges ₹0.00

11 Subvention received from Dealer/Manufacturer/Partner ₹1041.00

12 Gross tenure of the Loan (in months) 6

13 Net tenure of the Loan (in months) 6

14 Repayment frequency by the borrower Monthly

15 Number of instalments of repayment 6

16 Amount of each instalment of repayment ₹2176.00

17 Details about Contingent Charges

Part Pre-Payment Charges Nil

Full Pre-Payment Charges (Foreclosure Charges) Nil

Bounce Charges (for each default in repayment of instalment) ₹500

Penal charge per day for delay in payment of Instalment(s) ₹4

Cash Collection handling Charges ₹177

Cash Deposit Charges ₹50

PG facility charges ₹11

18 Other Disclosures

Cooling off/look-up period during which borrower shall not be charged any penalty on prepayment of loan(2):
a 3 days from the date of disbursal.
For cancellation of your loan, you can call us on 8698010101, or write to us at [email protected]

Details of Lending Service Provider acting as recovery agent and authorized to approach the borrower:
LSP is not acting as recovery agent.
The details of the recovery agent authorized to collect on behalf of Bajaj Finance Ltd will be intimated to you at the time of
b
recovery collection. List of authorised associates empanelled for handling collections are updated on the BFL's website for
reference. https://bajajfinserv.in/active-partners-for-debt-management-services (https://bajajfinserv.in/active-partners-for-debt-
management-services)

Name, designation, address, phone number and email id of Nodal Grievance Redressal Officer of lender :
Name: Manish Bhargav
Designation: Chief Operations Officer
c
Address: Bajaj Finserv Corporate Office, Viman Nagar, Pune, Maharashtra - 411014
Phone number: 022-41803901
Email id: [email protected]

Privacy policy covering scope and type of information collected by the lender:
d
BFL's Privacy Policy (https://www.bajajfinserv.in/privacy-policy)

Repayment Schedule (3)

 Instl No. Opening Principal Instl Amt Principal Interest Closing Principal

1 13058.00 2176.00 2176.00 0.00 10882.00

2 10882.00 2176.00 2176.00 0.00 8706.00

3 8706.00 2176.00 2176.00 0.00 6530.00

4 6530.00 2176.00 2176.00 0.00 4354.00

5 4354.00 2176.00 2176.00 0.00 2178.00

6 2178.00 2178.00 2178.00 0.00 0.00

(1) Actual interest calculation would change based on days gap between date of loan disbursement and first due date of instalment basis below scenario:

i) Scenario 1 - if loan repayment due date is more than 30 days the Broken Period Interest / Pre-instalment Interest would be deducted from amount
financed included as part of the first instalment amount.
ii) Scenario 2 - if loan repayment due date is less than 30 days, the interest of the first instalment will be charged for actual number of days from the
date of disbursement

(2)
BFL provides an explicit option to the borrower to exit loan within the Cooling off/Look-up period, subject to repayment of the principal amount and the
proportionate Annual Percentage Rate (APR) without any penalty during the said period. Stamp duty, GST and other statutory charges/ taxes levied/
collected are not refundable.

The repayment schedule is for illustrative purpose. There might be a difference in the actual repayment amount due to rounding
(3)

off the instalment amount vis-à-vis the instalment amount mentioned in the Key Fact Statement.

Application form validated at 02/08/2024 12:00:57.

KFS/RPS validated at 02/08/2024 12:01:01.

BFL/DIG/CS/2024/Feb/ECOMKFS/V4

Signature Not Verified

Digitally signed by DS BAJAJ FINANCE
LIMITED 1
Date: 2024.08.02 12:03:15 +05:30
Reason: Security
Location: Pune