HDFC Bank Sanction Fixed Rate: 10.65% p.a. 60 Months (5 Yrs) APR: 10.98%

Personal Loan Intelligence Dashboard

Borrower: BISWANATH MAITY • Agreement No: 171486396 • Disbursed: 21-Sep-2026
Sanctioned Loan
₹10,27,432
Contracted debt
Net In-Hand Disbursed
₹9,90,275
Actual cash in account
Monthly EMI
₹22,160
Due 7th of every month
1st EMI (Special)
₹27,023
Due 07-Nov-26 (incl Pre-EMI)
Total Repayment
₹13,34,460
Principal + ₹3.07L interest
True Cost of Borrowing
₹3,44,185
Total paid minus received
💧 Upfront Disbursal Waterfall: How ₹10,27,432 Was Disbursed
Upfront Deductions: ₹37,157 (3.62%)
Net Bank Credit: ₹9,90,275 (96.38%)
Insurance Charges: ₹27,432 (2.67%)
Processing Fees + GST: ₹7,670 (0.75%)
Stamp Duty: ₹2,055 (0.20%)
📋 Key Fact Statement (KFS) & Contract Parameters
Official contract specifications verified against HDFC Sanction Letter dated 21-Sep-2026.
Applicant Name BISWANATH MAITY
Loan Agreement No 171486396
Sanction Date 21-Sep-2026
Contracted Rate 10.65% Fixed p.a.
Annual Percentage Rate (APR) 10.98%
Tenure 60 Months (5 Years)
Repayment Mode Monthly (Arrears) via NACH/SI
Monthly EMI Due Date 07th of Every Month
1st EMI Due Date & Amount 07-Nov-2026 • ₹27,023
Final EMI Due Date 07-Oct-2031 • ₹22,160
Cooling-off / Look-up Period 03 Days from Disbursal
Annual Statement Date Every 31st May
📍 Milestone Checkpoints Across 5 Years
START • 21-Sep-2026
Disbursal Day
₹9.90L received after ₹37.1K deductions.
MONTH 1 • 07-Nov-2026
1st EMI (₹27,023)
Includes ₹4,863 broken-period interest.
MONTH 24 • 07-Oct-2028
4% Penalty Drops
Bal: ₹6.80L. Foreclosure fee drops to 3%.
MONTH 36 • 07-Oct-2029
3% Penalty Drops
Bal: ₹4.77L. Foreclosure fee drops to 2%.
MONTH 60 • 07-Oct-2031
Loan Closure
Balance ₹0.00. Loan fully paid off.
📈 Interactive Loan Balance Curve (60 Months)
Hover or tap along the chart to inspect remaining principal and interest distribution for any month.
₹10L ₹7.5L ₹5.0L ₹2.5L M24 (4% End) M36 (3% End)
Hover on chart
Bal: ₹10,27,432
Pri: ₹13,041 • Int: ₹13,981
# Due Date EMI Amount Principal Interest Outstanding Bal Milestone
🧮 Early Foreclosure & Full Payoff Calculator
Drag the slider to choose which month you wish to close the loan. The calculator applies HDFC Bank's official penalty slabs and shows your net interest saved.
Choose Foreclosure Month: Month 24 (07-Oct-2028)
Month 1 (Disbursal) Month 24 (4% Slab Ends) Month 36 (3% Slab Ends) Month 59 (Final Year)
Outstanding Principal
₹6,80,312
Debt remaining to settle
Bank Penalty Fee 4% + GST
₹32,108
Fee: ₹27,212 + GST: ₹4,896
Total Cheque to Close Loan
₹7,12,420
Principal + Foreclosure Fee
NET INTEREST SAVED IN POCKET
₹85,340
36 EMIs Cancelled (Interest avoided: ₹1,17,448)
💡
Foreclosure Timing Strategy:

At Month 24, penalty is 4%. If you wait until Month 25, penalty drops to 3%, instantly saving 1% in fees.

⚡ Part-Prepayment Simulator & HDFC Rules
HDFC allows partial prepayments with specific contract caps. Check your eligibility, penalty charges, and months shaved off.
RULE 1: POST 1ST EMI
Allowed only after paying the first regular EMI.
RULE 2: MAX 25% CAP
Max 25% of current principal outstanding per payment.
RULE 3: ONCE PER FY
Allowed only once in a single financial year.
RULE 4: TWICE IN LIFETIME
Max 2 part-payments in the entire 5-year loan tenure.
Principal Balance: ₹10,01,233
Max 25%: ₹2,50,308
✓ Amount complies with 25% outstanding limit.
Bank Prepayment Charge
₹7,080
4.0% of payment + 18% GST
Tenure Reduction
~10 Months
Loan finishes ahead of schedule
Estimated Interest Saved
~₹48,200
Net savings after bank penalty fee
⚠️ Fine Print, Pre-EMI Breakdown & Contingent Charges
Essential legal details decoded from Pages 2, 5, and 11 of the Sanction Agreement.
⏱️ Interactive Late Payment / Missed EMI Estimator

If EMI is missed on the 07th, HDFC charges Payment Return (bounce) fee plus daily contracted interest (10.65% p.a.).

Days Delayed Past 7th: 15 Days
Bounce / Return Charge: ₹450 + GST = ₹531
Delayed Interest (10.65%): ₹97
Extra Fee on Next EMI: ₹628
📅 Why Month 1 EMI is ₹27,023 instead of ₹22,160?

The loan was disbursed on 21-Sep-2026, while the first EMI is set for 07-Nov-2026. This creates a 47-day gap (17 days longer than standard 30-day billing). HDFC levies ₹4,863 broken-period interest for those 17 days, added into Month 1. From Month 2 onwards, EMI returns to regular ₹22,160.

⏱️ 3-Day Cooling-off Cancellation Rule

You have 3 working days from disbursal to cancel the loan without premature penalties. However, the Processing Fee (₹7,670), Stamp Duty (₹2,055), and GST are strictly non-refundable, plus a ₹1,000 rebooking fee applies.

📉 Foreclosure Penalty Tiers

• Up to 24 EMIs: 4% of principal outstanding + 18% GST
• 25 to 36 EMIs: 3% of principal outstanding + 18% GST
• Post 36 EMIs: 2% of principal outstanding + 18% GST
Waiting until Month 25 instead of 24 saves 1% in penalty fees alone.

🛡️ Special Benefits & Miscellaneous Fees

• Senior Citizen Discount: 10% discount on all service & processing fees.
• Repayment Mode Change: ₹500 + GST to change debit bank account.
• Physical Statement: ₹50 + GST for branch copy (100% free via app/netbanking).

📞 Official Bank Support & Nodal Grievance Directory
Official escalation contacts specified on Pages 3, 6, and 7 of the Sanction Agreement.
🏢 Level 1: Customer Loan Support
Contact Code: P35563
Loan Account No: 171486396

Always quote your Agreement No: 171486396 and Applicant Name BISWANATH MAITY in all communications.

⚖️ Level 2: Principal Nodal Grievance Officer
Officer Name: Mrs. Shalini Tandon (Grievance Redressal Officer)
Address: Grievance Redressal Cell, HDFC Bank Ltd, 1st Floor, Empire Plaza - 1, LBS Marg, Chandan Nagar, Vikhroli West, Mumbai – 400083
Toll-Free Helpline: 1800 266 4060
Mon to Sat: 9:30 AM to 5:30 PM (Excludes 2nd & 4th Saturdays, Sundays & Bank Holidays)