YES BANK Limited
Customer Name : Rahul Kumar Date : April 11, 2025, 22:04
Key Facts Statement Annex A
Part 1 (Interest rate and fees/charges)
Express
1 Loan proposal/ account No. EL991220251271035 Type of Loan
Loan
2 Sanctioned Loan amount (in Rupees) 53,000/-
3 Disbursal schedule
(i) Disbursement in stages or 100% upfront. 100%
(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
Commencement of
Type of instalments Number of EPIs EPI (₹)
repayment, post sanction
MONTHLY 12 4859.04 07-05-2025
6 Interest rate (%) and type (fixed or floating or hybrid) 18.00% (FIXED)
7 Additional Information in case of Floating rate of interest
Impact of change in the
Reset periodicity reference benchmark
Reference Benchmark rate Final rate (%) (Months) (for 25 bps change in `R`,
Spread (%) (S)
Benchmark (%) (B) R = (B) + (S) change in:)
B S EPI (₹) No. of EPIs
- - - - - - - -
8 Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)
Amount (in ₹) or Amount (in ₹) or
One-time /
Percentage (%) One-time / Recurring Percentage (%) as
Recurring
as applicable applicable
(i) Processing fees One-Time 625.4 - -
(ii) Insurance charges - - - -
(iii) Valuation fees - - - -
Any other (please
(iv) - - - -
specify)
9 Annual Percentage Rate (APR) (%)
(i) APR with GST 23.52 %
(ii) APR without GST 19.91 %
10 Details of Contingent Charges (in ₹ or %, as applicable)
1) For loan within the credit card limit (Quick Loan), since EMI is billed as a part of credit card
statement and included in the credit card outstanding and MAD, any non-payment shall
attract late payment charges and finance charges as applicable to respective card variant
on total credit card outstanding. The rate of interest on credit card may be changed at the
sole discretion of the Bank with 30 day prior intimation. It ranges between 2.99% per month
Penal charges, if any, in case
(i) (35.88% per annum) to 3.80% per month (45.60% per annum) basis credit card variant.
of delayed payment Similarly, Late payment charges for Quick Loan are applicable as per the credit card variant
and as mentioned in the Schedule of Charges hosted on YES BANK Website mentioned
below.
[Link]
2) For loan above the credit card limit (Express Loan), EMI is billed as a part of Credit Card
Loan statement. Any non-payment shall attract late payment charges and penal interest at
*contractual rate for an overdue amount. Late payment and Payment return charges for
Express Loan are as follows
Late Payment For
₹101 - ₹501 - ₹5001 - ₹20,001 - ₹25,001 - >
Charges(LPC) Statement < = ₹100
500 5000 20,000 25,000 50,000 ₹50,000
(Per Statement, as Balance
per the statement
balance) LPC Nil ₹100 ₹500 ₹750 ₹750 ₹1100 ₹1200
Payment Return
Charges: ₹350 (per instance of cheque or Auto Pay Return)
Cheques/Auto Pay
*A contractual interest rate means the rate at which the Bank will compute and apply interest on the Loan as
mentioned in the agreement and Key Fact Statement (KFS)
(ii) Other penal charges, if any -
Foreclosure charges, if
(iii) 4% of Outstanding principal + GST & Pro rata Interest
applicable
Charges for switching of
(iv) loans from floating to fixed -
rate and vice versa
Any other charges (please
(v) -
specify)
Part 2 (Other qualitative information)
Clause of Loan agreement relating to engagement of
1 -
recovery agents
Clause of Loan agreement which details grievance redressal
2 -
mechanism
Nodal Officer for Digital Lending
Name: Mustufa Khajurwala
Address: YES Bank Limited, YES Bank House,
Phone number and email id of the nodal grievance redressal
3 Off Western Express Highway,
officer
Santacruz East, Mumbai 400055
Email: [Link]@[Link]
Tel No: 022-50919231
Contact Centre: 1800 1200
Whether the loan is, or in future maybe, subject to transfer
4 No
to other REs or securitisation (Yes/ No)
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following
5
additional details may be furnished:
Name of the originating RE, along Name of the partner RE along with its
Blended rate of interest
with its funding proportion proportion of funding
- - -
6 In case of digital loans, following specific disclosures may be furnished:
Cooling off/look-up period, in terms of RE's board approved
3 working days from the date of loan
(i) policy, during which borrower shall not be charged any
disbursement
penalty on prepayment of loan
No recovery agent is assigned for loan account.
Details of LSP acting as recovery agent and authorized to
(ii) Bank has team of recovery agencies. The list is
approach the borrower
available on the bank website. View Link
Important Links - Digital Lending
There could be a difference in the amount to be paid by the borrower mentioned in (vi) and that in repayment schedule shared
separately because of any rounding-off of the instalment amount in the repayment schedule.
GST will be applicable on monthly interest amount, processing fees and foreclosure fees.
**In case of any recovery agent is assigned, then particulars of such recovery agent will be communicated before the recovery
agent contacts for recovery.
Annex B
Illustration for computation of APR for Retail and MSME loans
S. No. Parameter Details
1 Sanctioned Loan amount (in Rupees) (S no. 2 of the KFS template - Part 1) 53,000/-
2 Loan Term (in years/ months/ days) (S No.4 of the KFS template - Part 1) 12 Months
No. of instalments for payment of principal, in case of nonequated periodic
a) -
loans
MONTHLY
Type of EPI Amount of each EPI (in Rupees) and nos. of EPIs (e.g., no. of EMIs
b) 4859.04
in case of monthly instalments) (S No. 5 of the KFS template - Part 1)
12
c) No. of instalments for payment of capitalised interest, if any -
Commencement of repayments, post sanction (S No. 5 of the KFS template -
d) 07-05-2025
Part 1)
Interest rate type (fixed or floating or hybrid) (S No. 6 of the KFS template -
3 Fixed
Part 1)
4 Rate of Interest (S No. 6 of the KFS template - Part 1) 18.00%
Total Interest Amount to be charged during the entire tenor of the loan as per
5 6264.62
the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) 625.4
a) Payable to the RE (S No.8A of the KFS template-Part 1) 625.4
b) Payable to third-party routed through RE (S No.8B of the KFS template - Part 1) 0
7 Net disbursed amount (in Rupees) 53,000/-
8 Total amount to be paid by the borrower (sum of 1, 5 and 6) (in Rupees) 59890.02
Annual Percentage rate- Effective annualized interest rate (in percentage)10 (S No.9 of the KFS template-Part
9
1)
(i) APR with GST 23.52 %
(ii) APR without GST 19.91 %
Detailed schedule to be
10 Schedule of disbursement as per terms and conditions
provided in Annex C
11 Due date of payment of instalment and interest 07-05-2025
Interest (point 5) and fee (point 6) are inclusive of GST
Annex C
Illustrative Repayment Schedule under Equated Periodic Instalment for the
hypothetical loan illustrated in Annex B
Instalment No. Outstanding Principal (in Rupees) Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
1 53000.0 4064.04 795.00 4859.04
2 48935.96 4125.0 734.00 4859.04
3 44810.96 4186.88 672.00 4859.04
4 40624.08 4249.68 609.00 4859.04
5 36374.4 4313.42 546.00 4859.04
6 32060.98 4378.13 481.00 4859.04
7 27682.85 4443.8 415.00 4859.04
8 23239.05 4510.45 349.00 4859.04
9 18728.6 4578.11 281.00 4859.04
10 14150.49 4646.78 212.00 4859.04
11 9503.71 4716.48 143.00 4859.04
12 4787.23 4787.23 72.0 4859.04
