SP Finance

Interest Rates and Charges

Disclosure on Liquidity Risk Management

Policies

Alliances/ Partners

Shapoorji Pallonji Finance Private Limited (SPFPL)

Interest Rates and Charges

Indicative Rates (for fixed rate loans) which may be charged to the customers:

Lending Type	Interest Rate (Annualized)
Lending Type	Low Risk	Medium Risk	High Risk
Real Estate	11-14%	14.1-18%	18.1-24%
Supply Chain Finance	9-11%	11.1-18%	18.1-24%
Other Corporate Loans	10-12%	12.1-18%	18.1-24%

Notes:

- Above are indicative ranges and the actual pricing will depend on the cost of funds, operations cost, credit risk premium, tenor premium and margins etc.

- Cost of funds will be the rate at which the Company is expected to source its funds including all incidental costs like Stamping, Rating cost, Brokerage etc.

- The Company will not charge usurious rate of interest. The overall pricing to the customer will be reasonable based on the above factors mentioned and market practice.

Product Level Penal Charges SPFPL offers following categories of loans:-
- Supply Chain Financing
- Corporate Loans

Penal Charges shall be levied for non-compliance with the material terms and conditions of the Loan Contract. Default in repayment by the Borrower shall also be considered as non-compliance of material terms and conditions of Loan Contract and penalty, shall be levied in the form of penal charges by the Company on the amount of default. The penal charges will be computed as:
I. Old regime
For the loan sanctions uptil December 31, 2025:-

Product Penal Charges

Supply Chain Financing 6% p.a.

Corporate Loans 6% p.a.

II. New regime (effective January 1, 2026)
For the loan sanctions on and after January 01, 2026:-

Product Penal Charges

Supply Chain Financing 12% p.a.

Corporate Loans 12% p.a.

In case of loans sanctioned under old regime, the applicability of penal charges under new regime shall be applicable at the time of review / renewal/ revalidation / enhancement, etc undertaken by the Business Team along with control groups.