RBI Key Fact Statement Generator

Generate a draft KFS

This covers standard fixed-EMI term loans only, not co-lending blended rates, floating-rate resets, or other product-specific RBI assumptions we haven't built yet. The APR is calculated using a standard actuarial amortization method, the same underlying approach RBI's own KFS Annex B computation sheet illustrates. Treat this as a draft to verify, not a finished, compliant document.

Lender name (optional)

Sanctioned loan amount (₹)

Loan tenor (months)

Interest rate (% p.a.)

Rate type Select... Fixed Floating Hybrid

EMI, total interest and APR are calculated for you from the amount, rate and tenor above, you don't need to work these out yourself.

Lender / processing fee (₹, optional)

Third-party fees (₹, optional)

Penal charge policy (optional)

Foreclosure charge policy (optional)

Cooling-off / look-up period (days)

Grievance officer contact

Loan may be serviced by third-party recovery agents This is a co-lending arrangement

Co-lender name

Co-lender share (%)

Your email (we'll send the draft here) Generate and email my draft

This tool produces a draft only. It is not legal advice and does not guarantee compliance with RBI's KFS requirements. Have qualified counsel review any KFS before using it in an actual transaction.

Generating these one at a time? If you're processing real volume, we're gauging interest in API access →