PART PREPAYMENT REQUEST
Date: 4 April 2026
Place: Ludhiana
To
The Branch Manager
HDFC Bank Limited
Retail Assets Branch, 2nd Floor, Sunrise Chambers, Ferozepur Road, Ludhiana 141001
Mode of delivery: By hand, against acknowledgement
LOAN ACCOUNT NO.: HL/PUN/0043912
Customer ID: X
Borrower: Ananya Ramesh Deshpande
Co-borrower: X
Facility: Housing Loan — floating rate of interest
Sanction letter dated: 1 April 2026
Address on record: X
Mobile: X | Email: X
Subject: Part prepayment of ₹5,00,000 (Rupees Five Lakh only) towards principal — Reduce the tenure (EMI unchanged)
Dear Sir / Madam,
1. The payment.
I have paid ₹5,00,000 (Rupees Five Lakh only) to you as a part prepayment against the principal outstanding in the above loan account. X, the co-borrower on this account, joins in this letter and in the instruction at paragraph 3.
Date of payment: 2 April 2026
Mode of payment: NEFT
Payment reference: UTRN2409181234567
Principal outstanding before this payment: ₹25,000 (Rupees Twenty Five Thousand only) (as on 3 April 2026)
Current EMI: ₹25,000 (Rupees Twenty Five Thousand only)
Current rate of interest: 8.6% per annum
Instalments remaining before this payment: 163 instalments (13 years 7 months)
2. Where the money must go.
Please apply the whole of this amount to the principal outstanding, with effect from the date on which the funds reached you. Please do not hold it as an advance EMI, do not park it in a suspense, unapplied or unadjusted account (save as provided in paragraph 8 below), and do not appropriate it towards future instalments, towards interest that has not yet accrued, or towards any charge. Interest from that value date should be computed on the reduced principal.
3. My instruction on the revised terms — Reduce the tenure (EMI unchanged).
This is my express instruction. Please record it on the account and give effect to it. Please do not apply your standard or default option in place of it. The rate of interest on the loan is not to change as a consequence of this prepayment. If your system cannot give effect to the instruction as written, please tell me in writing before you process the account, and do not apply the prepayment in the other manner without my written consent.
4. What I need back from you, and by when.
Within 7 working days of the date of this letter, please send me — by email to X and by post to the address on record above:
(a) written confirmation that the amount has been applied to principal, with the value date;
(b) the revised principal outstanding after the prepayment;
(c) a fresh amortisation schedule for the balance of the loan, showing the EMI, the rate of interest, the number of instalments remaining and the date of the final instalment;
(d) confirmation of the revised EMI and the date from which it takes effect or, where the EMI is unchanged, the revised final instalment date; and
(e) if my existing NACH or ECS mandate has to be amended or replaced as a result, the form you require and the date by which you need it.