Dear Sir/Madam,

Greetings!

With reference to your loan account H401HHL0248354, we would like to explain the EMI calculation and due date cycle.

You have availed a Home Loan - BHFL of Rs. 3070000.00/- from Bajaj Housing Finance Ltd. (BHFL) vide above referred Loan
Account Number (LAN). The loan was disbursed on 29 Jan, 2020 and hence the interest on the loan account gets calculated
from this date onwards.

BHFL EMI cycle works in the following manner : For loans disbursed before 12th of the month, first EMI would be due on 2nd
of the next month. However, if the loan is disbursed on or after 12th of the month, the EMI would be due on 2nd of the
month post the next month.

Example : Case booked on May 5,2019 will have its first due date on Jun 2,2019 whereas case booked on May 22,2019 will
have its due date on July 2,2019.

In your case, the first EMI amounts to Rs. 33289/- and is due on 02 Mar, 2020. The same comprises of principal repayment
amount of Rs. 9484/- and interest amount of Rs. 23805/- for the period between 29 Jan, 2020 - 02 Mar, 2020.This is due to
interest being charged on 33 days from the date of disbursal to the first due date. Your EMI amount from the subsequent
month would be Rs. 30404 /-.

For any further clarification you can write to our customer service team on wecare@bajajfinserv.in.

Regards,
Bajaj Housing Finance Limited
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