A standard summary of a loan's cost and terms that lenders must give you before you sign.
RBI rules require a KFS for retail and MSME loans. It shows the amount, the interest rate, the APR, every fee, the EMI schedule, and the grievance contact.
A charge that is not in the KFS cannot be taken later without your consent. Read it before accepting any loan.
Short reads that explain how it works before you decide.
Personal LoansPersonal Loan True Cost: Flat vs Reducing Rate, Fees and APRTwo personal loans can quote rates that look close and cost very different amounts. Here is how flat and reducing rates differ, what the processing fee adds, and how to read the APR on the Key Fact Statement.Read the guide →
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