State Office : Home Credit India Finance Private Limited, 4th Floor, 1st Main Road, Gandhinagar, Adyar,
Chennai - 600020,
GSTIN : 33AABCR6548L1Z3
State Code : 33, HSN : , Place of Supply as per GST Act : Tamil Nadu
LOAN SUMMARY
Ms./Mrs. P JANANI Contract Number 3907014283
34/24, floor 0, LIME KLIN STREET AMINJIKARAI , AMINJIKARAI
Chennai, Chennai, Tamil Nadu, 600029 Customer Id 16295113
Welcome to the Home Credit Family. Congratulations! Your Loan of Rs. 7,688.00 is approved, effective date 26th Aug 2019.
Product Manufacturer/ Model Price LATE PAYMENT CHARGES(incl. of all Taxes)
Service Provider
Mobiles / Mobile OPPO A5S 9,990.00 Rs. 0 Rs. 350 Rs. 800 Rs. 1,350 Rs. 2,100 Rs.
phone (+350) (+450) (+550) (+750)
On Due Date after 1 day after 30 days after 60 days after 90 days
Late payment charges will be charged for non payment of Monthly
Instalment on or before respective Due Dates.
LOAN DETAILS
OTHER CHARGES
(A) Total Product Price 9990.00 Rs.
(B) Downpayment 2,302.00 Rs. Prepayment Terms Anytime during loan term
(C) Loan Amount (A-B) 7,688.00 Rs. Prepayment Penalty(incl. of all Taxes) Nil
(D) Processing Fee(incl. of all Taxes) 599.00 Rs. Direct Debit Bounce Fee(incl. of all Taxes) 300 Rs.
(E) Pay Now (B+D) 2,901.00 Rs.
OTHER DETAILS
(F) Flat Interest Rate 0.00 % p.a.
*Recommended Payment Date 20th of every month
(G) Interest Amount 0 Rs.
(H) EMI (Equated Monthly Instalment) 1,282.00 Rs. Due Date 26th of every month
(I) Number of Monthly Instalments 6 First Monthly Instalment 26th Sep 2019
Term of Loan 6 months
(J) Safe Pay Fee per month(incl. of all Taxes) 92.00 Rs.
Mode of repayment Direct debit
(K) Monthly Instalment (H+J) 1,374.00 Rs.
Bank CANARA BANK
(L) SGST @ 9% (Applicable on D and J) 87.81 Rs.
Ensure sufficient balance in your bank account for Direct Debit of
CGST @ 9% (Applicable on D and J) 87.81 Rs. Monthly Instalments.
OTHER TERMS & CONDITIONS
1. Please refer 'General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited (HCIN)' ('GTC') as registered with Sub-
Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 for terms and conditions applicable to this loan, a
copy of which has been provided to you and is also available at website of HCIN i.e. https://homecredit.co.in/corporate-governance.
2. You authorize HCIN to accept all the instructions/ applications/ requests made by you through any of the Contact Options (such as e-mail, sms, mobile application, etc.)
mentioned in the GTC (such as e-mail, sms, etc.) in respect of all Loan(s) obtained by you and for the purposes of considering, granting, approving, or disbursing the Loan(s).
3. HCIN offers different interest rate based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's
age, income, type of documents provided by the applicant and any other information as may be required for the purpose of credit evaluation. You understand that HCIN offers and
charges different rate of interest to different borrowers based on the aforesaid rationales and you agree to abide by such rationale. You further confirm that HCIN shall be entitled
to categorise you under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance. The Interest Amount has been calculated
using flat rate of interest for the entire loan period. Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount.
4. The loan sanctioned to you has been covered under the interest subsidy granted by the manufacturer / dealer. Without such interest subsidy, the flat rate of interest may vary
from nil to 36% p.a.
5*. You are advised to make payment of Monthly Instalment by Recommended Payment Date so that your loan account is appropriately credited with the Monthly Instalment by
Due Date.
6. In case you have availed value added services (SAFE PAY) and/ or enrolled for Group Insurance on finance, you agree to abide by the terms and conditions for such value
added services and Group Insurance Policy. Such terms and conditions are also available on website of HCIN i.e. https://homecredit.co.in/corporate-governance.
For Home Credit India Finance Private Limited
AUTHORIZED SIGNATORY
Note: This is a computer generated document and therefore does not require the signature from the Company.
I hereby confirm that I have read and understood clearly and completely the provisions of the aforementioned GTC as well as the
terms and conditions mentioned above and I undertake to abide by the same during the tenor of all present and future Loan(s)
obatined by me from HCIN. I also undertake to abide by terms & conditions of value added services (SAFE PAY) and Group
Insurance Policy, if availed by me. I confirm that I have received the copy of this Loan Summary, GTC and other value added service
documents . I confirm that my acceptance of the terms of this Loan Summary can be obtained by HCIN using any of the Contact
Options (such as e-mail, sms, mobile application, etc.) mentioned in the GTC. I agree and confirm that the courts in Delhi shall have
the exclusive jurisdiction over all the matters and disputes pertaining to Loan(s) obtained by me from HCIN irrespective of place of
signing of any of the Documents.
Borrower's Name: P JANANI Borrower's Signature:
Date: 26/08/2019 Place: CHENNAI
Registered Office-Home Credit India Finance Private Limited, 3rd Floor, Infinity Tower C, DLF Cyber City Phase 2, Gurugram, Haryana 122002
