Key Fact Statement/fact sheet

Date of execution: June 27, 2023 Lender's Name: Hero FinCorp Limited
Applicant Name: Shaik Hashim Hussin

Application Id: 53072244 Applicable Loan Type: Loyalty Personal Loan

Product: Hero FinCorp Loyalty Personal Loan

S. No. Parameters Details

Loan amount (amount disbursed to the borrower) (in
(i) INR 196350/-
Rupees)
Total interest charge during the entire tenure of the loan (in
(ii) 142584.00
Rupees)
Other up-front charges (break-up of each component to be
(iii) 10230.00
given below) (in Rupees)
(a) Processing fees (in Rupees) inclusive of GST 6873.00
(b) Insurance charges (in Rupees) (if applicable) 0.00
(c) Pre-EMI Interest 1683.00
(d) Others (ECS/ADM Charges) (in Rupees) 1438.00
(e) Stamp Duty Charges (in Rupees) 236.00
(iv) Net disbursed amount ((i)-(iii)) (in Rupees) 186120.00
Total amount to be paid by the borrower (sum of (i), (ii) and
(v) 349164.00
(iii)) (in Rupees)
Effective annualized interest rate (in percentage) (computed
(vi) on net disbursed amount using IRR approach and reducing 30.71% p.a.
balance method)
(vii) Loan term (in months) 48
(viii) Repayment frequency by the borrower Monthly
(ix) Number of instalments of repayment 48
(x) Amount of each instalment of repayment (in Rupees) 6848.00
Details of Contingent Charges
Rate of annualized penal charges in case of delayed
(xi) 3% per month of overdue EMI
payments
Rate of annualized other penal charges (if any); (details to
(xii) Rs 350 /- EMI Bounce
be provided)
(xiii) Mandate re-presentation / dishonor charge Rs) 0
5% of POS (within 6 months from the date of disbursement, interest on
loan amount for 6 months plus foreclosure charges). Foreclosure of the
(xiv) Pre-closure/foreclosure Charges loan shall be allowed only on or after the first EMI due date. At the time of
loan foreclosure, total due amount including EMI and foreclosure charges
shall have to be paid by the customer.)
Duplicate No Objection Certificate (NOC) Issuance
(xv) Rs 200
charges

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 Other disclosures
Cooling off/look-up period during which borrower shall not be 3 days
charged any penalty on prepayment of loan
Details of LSP acting as recovery agent and authorized to
approach the borrower
Mr. Rajib Sen, Hero FinCorp Ltd., A-44, Mohan Co-Operative Industrial
Name, designation, address and phone number of nodal Estate, Mathura Road, New Delhi – 110044 Email:
grievance redressal officer designated specifically to deal with [email protected] Contact Number: 0124-3633945 (9:30 am to
FinTech/ digital lending related complaints/ issues 6:30 pm)
Name, designation, address and phone number of nodal
grievance redressal officer designated specifically to deal with
FinTech/ digital lending related complaints/ issues (LSP)

Amortization Schedule

INSTALLMENT NO OPENING PRINCIPAL INSTALLMENT AMT INSTALLMENT PRINCIPAL INTEREST BALANCE PRINCIPAL
1 196350.0 6848 2260 4588 194090.0
2 194090.0 6848 2313 4535 191777.0
3 191777.0 6848 2367 4481 189410.0
4 189410.0 6848 2422 4426 186988.0
5 186988.0 6848 2479 4369 184509.0
6 184509.0 6848 2536 4312 181973.0
7 181973.0 6848 2596 4252 179377.0
8 179377.0 6848 2656 4192 176721.0
9 176721.0 6848 2718 4130 174003.0
10 174003.0 6848 2782 4066 171221.0
11 171221.0 6848 2847 4001 168374.0
12 168374.0 6848 2913 3935 165461.0
13 165461.0 6848 2982 3866 162479.0
14 162479.0 6848 3051 3797 159428.0
15 159428.0 6848 3123 3725 156305.0
16 156305.0 6848 3195 3653 153110.0
17 153110.0 6848 3270 3578 149840.0
18 149840.0 6848 3347 3501 146493.0
19 146493.0 6848 3425 3423 143068.0
20 143068.0 6848 3505 3343 139563.0
21 139563.0 6848 3587 3261 135976.0
22 135976.0 6848 3670 3178 132306.0
23 132306.0 6848 3756 3092 128550.0
24 128550.0 6848 3844 3004 124706.0
25 124706.0 6848 3934 2914 120772.0
26 120772.0 6848 4026 2822 116746.0
27 116746.0 6848 4120 2728 112626.0
28 112626.0 6848 4216 2632 108410.0
29 108410.0 6848 4315 2533 104095.0
30 104095.0 6848 4415 2433 99680.0
31 99680.0 6848 4519 2329 95161.0
32 95161.0 6848 4624 2224 90537.0
33 90537.0 6848 4732 2116 85805.0
34 85805.0 6848 4843 2005 80962.0
35 80962.0 6848 4956 1892 76006.0
36 76006.0 6848 5072 1776 70934.0
37 70934.0 6848 5190 1658 65744.0
38 65744.0 6848 5311 1537 60433.0
39 60433.0 6848 5436 1412 54997.0
40 54997.0 6848 5563 1285 49434.0
41 49434.0 6848 5692 1156 43742.0
42 43742.0 6848 5825 1023 37917.0
43 37917.0 6848 5962 886 31955.0
44 31955.0 6848 6101 747 25854.0
45 25854.0 6848 6243 605 19611.0
46 19611.0 6848 6389 459 13222.0
47 13222.0 6848 6539 309 6683.0

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 48 6683.0 6848 6683 151 0.0

**For loan disbursed till 15th of the month, EMI would be presented on 08th of the subsequent month. Thereafter, for loan disbursed from the 16th of the month till
15th of next month, EMI would be presented on 8th of next to next month.
**Repayment Schedule will be shared separately after Loan Disbursement.

____________
Borrower
Debt recovery T&C
Lender shall be entitled at its discretion to engage/avail of, at the risk and cost of Borrower, services of any personal/third party service
provider/agent/agency, for anything required for/in relation to/ pursuant to the Loan, including collections, recovery of Outstanding Dues,
enforcement of security, conducting credit in investigation of the Borrower, getting or verifying any information of Borrowers/asset analyzing the
bank statement of the Borrower, and any necessary or incidental lawful acts/deeds/matters/things connected.

The Borrower expressly authorize/ consent to Lender, its various service providers or agents for collection and recovery to contact the Borrower
telephonically, through e-mails telephones, messages, SMS WhatsApp or other applications or otherwise even if the names of the Borrower
appear in the Do Not Call or Do Not Disturb Register to inform the Borrower about the Outstanding Dues under the Loan Documents or any
other aspect pertaining to any loan facilities availed or to be availed by the Borrower.

The Borrower also expressly declares that any modes of communication as detailed above from service provider of Lender and its associates,
affiliates and/or group companies will not cause any inconvenience to them and/or their family members. The Borrower expressly and
irrevocably consent that for any claim against the service providers, Lender shall not be liable and the claim of the Borrower on this account
shall be against the service provider and/or tele-callers.

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 LOYALTY LOAN APPLICATION FORM

Hero FinCorp Limited CAS ID LPLGUD15117512

34, Community Centre,
Basant Lok, Vasant Vihar, Login Date 27/06/2023
New Delhi-110057 LMS APPLICATION NO. 53072244

Sourcing Details
Location Name GUDUR Source Type MANUAL Source Name DUMMY LOYALTY PL DEALER
Shaik
Source Code DLPD0001 Login Date 27/06/2023 Disburse To Shaik Hashim Hussin Hashim
Hussin
Existing Customer
SE Name SE Code Yes
HFCL (Y/N)
Loan Account
TM Name TM Code TWLGUD11639356
Number
AUTO-PRE-APPROVED
Program Name Scheme Name LPL ADVANCE EMI ID No.
LOYALTY PROGRAM
Documents Same Residential
Type of ID Proof Yes
Provided address
Same Office CRM Mobile App Integration
Yes Caller Name Location Code GUD
address User

Loan Details
Loan Status Active Loan App Id 28949345

Applicant Details
Customer Shaik
Father/Husband’s
Applicant Name Shaik Hashim Hussin Shaik Kalesha Date of Birth 15/6/1989 Name as Hashim
Name
per OVD Hussin
Customer
Gender Male Marital Status Married No. of Dependents DOB as 15/6/1989
per OVD
Education Residence Status Monthly Rent Rs. LPL PAN
Mother's Name Shaik Vahida begum

Contact Details
Phone Residence Phone
Residence Mobile 8522044087 Office Phone
Email Id Not Available Extn.

Mailing address
Address Line 1 10/423/b psr park street Address Line 2 East gudur PinCode 524101
Nearest Landmark District NELLORE City/Village NELLORE
Years at Current
State ANDHRA PRADESH 10 Year 1 Month Years in Current City 10 Year 1 Month
Address
Please indicate if this is the permanent Address No

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 OVD address
Address Line 1 Address Line 2 East gudur PinCode 524101
Nearest Landmark District NELLORE City/Village NELLORE
State ANDHRA PRADESH

Employment Details

Agriculture Office/Bussiness Resi cum office

Name of Organization Address Nearest Landmark

City/Village NELLORE District NELLORE State ANDHRA PRADESH

Pin Code 524101 Company Type Farmer Designation
Annual Turnover Rs. Total Work Experience 7 years Annual Income Rs.
Additional Income Rs. Occupation Type Salaried Nature of Business

Proposed Loan Details

Scheme Name LPL ADVANCE EMI Final Loan Amount Rs.196350 No. of Advance EMI 0
Processing Fee Rs. EMI Amount Rs.6848.00 ECS/ADM Charges 1438.00
Gross Tenure 48 Net Tenure 48 NPDC Charge 0.00
Advance EMI Rs.0.00 Annualized Rate of 28.038 0.00
Amount Interest Other Charges

Broken period Pre EMI

interest will be calculated on
the disbursement date on the Debit and date for Maximum Amount
Pre EMI basis of the actual number of Purpose of loan NACH Date :27/06/2023
days for which the interest is
due (30/360).
General Insurance Yes Manipal Cigna Life Insurance No
Applicable(Yes/No) Applicable(Yes/No) Stamp Duty Charges 236.00

Bank Details
Name of Bank IDFC FIRST BANK LTD Bank Branch GOKAK BRANCH Account Number 10080191733
IFSC Code IDFB0080252 MICR Code 591751502

Guarantor/Co-Applicant Information 1
Father/Husband’s Relationship with
Co-Applicant Name Name Borrower
Date of Birth Name of Company Designation
Address Line 1 Address Line 2 City/Village
District State Pin Code
Landline No. (With
Nearest Landmark STD Code) Mobile Phone

Annual Income Guarantor

Reference Details
Name Gender Relation
Other Relationship Email Not Available Mobile Number
Address Line 1 Address Line 2 Address Line 3
Pin code City State
Landmark

Applicant ____________________ Co-applicant ____________________

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 DECLARATION
I/We Shaik Hashim Hussin Son/Wife/Daughter of Shaik Kalesha /Authorized Representative of_________. aged 33 years and residing/having registered
office/place of business at NELLORE hereby confirm and warrant that -
a. I/We am/are citizen(s) of India and that all the information furnished by me/us is true and accurate against which I/We authorise the HFCL to make any
enquiries in this regard.
b. No insolvency/winding up proceeding or recovery suit of the outstanding dues/monies whatsoever or for attachment of my/our assets or properties and/or
criminal proceedings have been initiated and/or pending against me/us and me/us have never been adjudicated insolvent by any court or authority.
c. These funds shall only be used for the specific purpose i.e. as mentioned in the application form.
d. I/We shall keep informed the HFCL, in writing, of any change in my/our contact information.
e. The HFCL is authorized to make enquiries with any finance company/bank/registered credit bureau/repository of credit history/TotalKYC etc. for KYC
information verification, credit risk analysis, or for other related purposes that the HFCL may deem fit and that my/our privilege of privacy and privity of
contract with regards the subject matter of my/our arrangement is expressly waived. I/We also confirm that the HFCL reserves the right to retain
photograph(s) and document(s) submitted.
f. I/We will not hold the HFCL or its agents or representatives responsible under any circumstances whatsoever in case my application is rejected.
g. I/We confirm having recieved read and understood the terms and conditions of the loan applied for,including the terms relating to repayment,interest and
other fees and unconditionally agree to abide/perform the same and also hereby accept that the terms and conditions may be changed by the HFCL at any
time.I/We also agree to abide by all the terms and conditions of all the related agreement(s).I/We also confirm that all my questions ,doubts and queries with
regard the loan have been answered to my satisfaction and properly explained to me; which fact I/We shall no question,doubt or dispute at any future
date/event.
h. I/We acknowledge that HFCL adopts interest rate/pricing methodology based on various risks associated with the type of Loan, cost of funds, tenure of the
Loan, type and value of security, loan amount etc. Further HFCL periodically reviews the rate of interest and product features offered by it with those offered
by its competitors. For a borrower an additional risk premium may be included in the pricing based on the credit risk associated with the borrower which is a
function of the borrower's credit history, credit information, internal rating along with other factors like the borrower's source of income, professional
experience etc. Accordingly, the applicable rate of interest may be different for different categories of borrowers and may differ from one loan to other loan.
i. Group general Insurance from Manipal Cigna
j. List of OVD Documents to be submitted, applicable as per internal policy:
1.PAN Card/Form 60.
2.Any one of the following:
a. Aadhaar Card.
b. Indian Passport.
c. Voter Identity Card.
d. Driving License (Booklet Form Not Accepted).
e. Job card issued by NREGA duly signed by an officer of the State Government.
f. Letter issued by the National Population Register containing details of name and address.

Please paste passport size Please paste passport size Please paste passport size
latest colour photo of latest colour photo of latest colour photo of
Applicant and sign across Co-Applicant and sign across Guarantor and sign across

Signature Signature Signature

VERNACULAR DECLARATION
The content of the loan application has been explained by me (the witness) to the Applicant in ______________________
(name of the language in which the applicant has signed) and the same has been understood by the applicant. The applicant
further confirms that he/she is acceptable to receive all the future correspondence in relation to this loan in English language.

Name of the witness ________________________ Signature Of Applicant in his own language:

(to be written in Applicant's handwriting)

Address of the witness _____________________ Signature Of witness in English language:

(to be written in witness's handwriting)

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 DECLARATION

I/We Shaik Hashim Hussin do hereby declare that what is stated above is true to the best of my knowledge and belief. I
further declare that I do not have a Permanent Account Number and my/ our estimated total income (including income of
spouse, minor child etc. as per section 64 of Income-tax Act, 1961) computed in accordance with the provisions of
Income-tax Act, 1961 for the financial year in which the above transaction is held will be less than maximum amount not
chargeable to tax.

Verified today, the 27 day of June , 2023

Place: GUDUR Signature of declarant

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 LPL File Verification Checklist - Hero FinCorp Ltd.
Loan Application Number : 53072244

Check 1 :APPLICATION 1. Whether Applicant/Co Applicant signature available on the Application Form ? YES NO
FORM 2. Whether Applicant/ Co Applicant photo available on App Form and crossed signed by Applicant ? YES NO

1 Whether Addendum letter is signed by the customer and sign matches with the application form YES NO
2. Whether Schedule A is duly signed by the applicant and co applicant in their respective coloumns and sign YES NO
matches with application forms.
3. Whether DPN is duly signed by the customer and sign matches with application forms. YES NO
Check 2: Agreement
4. Whether all pages of Loan Application Kit signed by applicant & co applicant ( if available ) YES NO
5. Whether customer signature is matches with repayment instruments ECS or DD or PDC or NACH and customer YES NO
signature is available on all overwrting or whitener applied caes ?
6. Whether “Life Insurance Amount” is in Loan Application Form, but DOGH(KLI) with customer signature YES NO

Check 3: Offer Letter (or) 1 Whether customer name,location,loan details and reference cas id match with application form ? YES NO
Delivery Order 2 Whether customer duly signed the " letter of offer/ Delivery order " and sign match with application form ? YES NO

1 Valid ID & address proof is attested by the customer and address match with application form YES NO
Check 4: Documents 2 All documents have been self-attested by TM / DSA. YES NO
3 Latest bank statement where T/W EMI Amount coming. YES NO

1 Whether Application id, Bank name and Branch with address is written or not? YES NO
2 Whether account number is more than or equal to 9 digit in ECS/DD mandate with proper MICR filled ? YES NO
3 Whether mode of payment and type of account is properly ticked ? YES NO
4 Whether account holder's name is as per his/her Bank records ? YES NO

Check 7: 3 ECS/DD 5 Whether scheme name, 1st EMI due date,End date, EMI amount, periodicity and date of effect is correctly YES NO
Mandates Available mentioned on ECS/DD mandate ?
6 Whether the EMI amount difference between ECS Mandate & Application does not have a variation of more than YES NO
Rs. 3/- (“+” or “-”)
7 Whether Applicant's signature is there, in case of current account prop./auth. Signatory stamp should be ? YES NO
8 If Signature verified, then banker's stamp (seal) and signature is there? YES NO
9 There is no cutting/overwriting/whitener applied on the ECS/DD Mandate form. YES NO

1 Whether NACH mandate is not a Photo Copy/ Printout of NACH Mandate ? YES NO
2 Whether new NACH mandate format (Create,Frequency,Maximum Amount and until cancelled is auto-ticked) ? YES NO
3 Whether Utility code, Sponser code & UMNR is not filled manually ? YES NO
4 Whether mandate date mentioned on the NACH is current or previous date from the submission date? YES NO
5 Whether A/c type is ticked on NACH Mandate, further if A/C type is selected as Current A/C then Prop./ Auth. YES NO
Signatory stamp is available on the NACH mandate at the signature place?
6 Whether Account No.,Bank name and IFSC / MICR mentioned/written on mandate and matches as per bank YES NO
records?
Check8: NACH Mandate 7 Whether customer bank A/C number is CBS complied (more than 9 digits a/c number),mentioned on the NACH YES NO
and matches with repayment instrument/ECS ?
8 Whether EMI amount in figures and words written correctly on the NACH mandate and matches with App form, YES NO
DO and EMI cheque ?
9 Whether In "Reference 1 Column" Application ID is written and matches with the application. YES NO
10 Whether “From Date” has been mentioned as “Current EMI Start Date” or “Next EMI Start” date in NACH YES NO
mandate ?
11 Whether account holder name and signature is present on NACH mandate & matches with PDCs, ECS/DD YES NO
Mandate, App. Form/ Agreement/RTO ?
12 There is no cutting/overwriting/whitener applied on the NACH form. YES NO

1 Whether Bank name is part of given NACH/DD bank list ? YES NO

2 Whether in ECS/DD/NACH cases, 2 SPDC (CTS PDC) +1 EMI PDC (CTS PDC) + Original Can-celled YES NO
cheque/Photocopy of cheque present in PDC Pouch Along with 2 ECS/DD + 2 NACH Mandates ?
3 If bank not in ECS/DD/NACH list, then whether full PDC (EMI cheques of full tenure) present in PDC Pouch YES NO
Along with 2 ECS/DD + 2 NACH Mandates ?
PDC/SPDC/Cancel 4 Whether FEMI cheque & all SPDCs are in favor of Hero Fin-corp Ltd and duly signed and crossed (A/c payee),
Cheque in case of full PDC case all PDCs are in favor of Hero Fin-corp Ltd and duly signed and crossed (A/c payee) and YES NO
EMI dates on each PDC for full tenure is filled ?
5 Whether App Id is written on the back of all the PDCs/ SPDCs ? YES NO
6 Whether EMI amount in figures and words written correctly on the FEMI (all PDCs in case of full pdc) and YES NO
matches with App form and DO ?
7 Whether cheques are CTS and CBS compliant (A/c no >= 9 digits) ? YES NO

1 Whether App id is written correctly on PDC pouch? (Match with App form). YES NO
Check10: PDC POUCH 2 Whether customer name mentioned correctly on PDC pouch & count of total PDC matches with application form YES NO

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 3 Whether all banking documents & instruments/mandate puted into PDC pouch YES NO

1 Whether updated bank statement with entries within 03 months available in PDC Pouch (need to check latest YES NO
Check 12.Bank entry/transaction T-90 days)?
Statement 2 Whether passbook showing Account holder’s name, Account number, MICR and IFSC code, a/c opening date, YES NO
Type of A/C, mode of operation is there?

1 Whether bank statement / passbook is available ? YES NO

2 NPDC - NACH Scheme (999 Rs Charges)
Mandatory Documents :
A. CAMS / OPS needs to check the "Other Charge" should be equal or > Rs. 999 YES NO
B. Bank statement/Pass Book which will show customer's Bank account number/MICR/IFSC & Customers Name.
C. Latest transaction should reflect in Bank statement and shall not be older than 3 months.
Check 8: NPDC
3 NPDC - DD/ACH Scheme ("0" Charges)
Mandatory Documents :
1. Mentioned process applies on attached 15 Banks only where we have direct debit tie-up
2. Business to provide the completely filled mandate form with signature verification from customer Bank. YES NO
3. Bank statement/Pass Book which will show customer's Bank account number/MICR/IFSC & Customers Name
4. Latest transaction should reflect in Bank statement and shall not be older than 3 months CAMS / OPS would not
check any charges under this scheme

1 Valid KYC documents self attested by Applicant/ Co-applicant and OSV done by SE are present in file YES NO
2 Whether the details in application form is matched with KYC documents (Name,Photo, Father's Name, DOB and YES NO
Address)
Check 9: KYC
3 In case of Aadhar, whether it is masked/blacked out and self declaration form signed by Applicant/ Co-applicant, YES NO
OSV done by SE is present
4 All the duplicate copies of customer's documents are self attested by customer and OSV done by SE YES NO

Signature with Date : ___________________________

Seal :

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]
 LOAN AGREEMENT
This Loan Agreement (“Agreement”) is made at the place and on the day, month and year as set out in Schedule-I hereto, by and between: The person(s) named in Schedule-I hereto
as the Borrower and Co-Borrower (hereinafter collectively referred to as the “Borrower”, which expression shall, unless it be repugnant to the subject or context thereof, include his/her
heirs, nominees, legal representatives, executors, administrators, successors and permitted assigns) of the ONE PART.
AND
Hero FinCorp Limited, a company incorporated under the provisions of the Companies Act, 1956, a Non Banking Financial Company registered under the provisions of the Reserve
Bank of India and having its registered office at 34, Community Centre, Basant Lok, Vasant Vihar, New Delhi-110057, India, (hereinafter referred to as “Lender” or “HFCL” which
expression, unless repugnant to the context, shall deemed to include its successors and assigns) of the OTHER PART. The Borrower and Lender are hereinafter individually referred to
as “Party” and jointly referred to as the “Parties”.
Whereas:
A. The Lender is inter alia, engaged in the business of financing and lending.
B. The Borrower had availed a loan facility from the Lender for the purpose of purchase of vehicle, the details of which more particularly specified in Schedule I hereto [“Existing Loan”].
C. Pursuant to the regular payment of equated monthly installments under the Existing Loan, the Borrower has approached the Lender to avail an additional Loan from the Lender for
the purpose as set out in Schedule I hereto.
D. The Lender has, on the basis of the Borrower’s representations, warranties, covenants and undertakings, agreed to provide an additional Loan (as defined hereinafter) to the
Borrower subject to the terms and conditions set out in this Agreement.

The Borrower hereby irrevocably and unconditionally agrees to abide by the following terms and conditions:

1. Pursuant to the application made by the Borrower in the Loan Application Form (“ Application”), Lender has sanctioned a loan facility not exceeding the amount mentioned in
the Schedule I (“Loan”) and the Borrower agrees to borrow the same, subject to the terms and conditions contained in the Application, sanction letter, this Agreement and all
other documents executed or entered into or to be executed or entered into/by the Borrower in relation to the Loan (hereinafter collectively referred to as “ Loan Documents”).
The Borrower shall deliver to the Lender a duly completed and executed Disbursement Request Form, as set out in Schedule II to this Agreement. Lender may disburse the
Loan or any part thereof (“Disbursement”) at its own discretion. Borrower shall use the Loan only for lawful purpose stated in the Application and not for any other purpose
including making investment in the capital market or any speculative or illegal or immoral or anti-social purpose. Notwithstanding anything contained herein, Lender may at its
sole discretion and without assigning any reasons, suspend or cancel or terminate the Loan and recall the entire Outstanding Dues, without prior intimation to the Borrower.
2. The “Outstanding Dues” shall collectively mean and include the all amounts payable by the Borrower to the Lender pursuant to the Loan Documents including but not limited
to the present and future obligations and liabilities of the Borrower to pay/repay including without limitation the principal amount of the Loan, interest, default interest, default
charges, indemnities, any other charges, dues and monies payable, costs and expenses reimbursable, as outstanding from time to time and all such expenses in respect of or
incidental to the borrowing or its recovery or realisation. Borrower shall pay interest on the Loan, the unpaid due interest and all other outstanding charges and monies at the
rate of interest specified in Schedule I hereto, on the outstanding daily balance from the date of Disbursement, compoundable at monthly rests. Lender in its sole discretion
would be entitled to change the said rate of interest (prospectively) including on account of changes made by the Reserve Bank of India (“ RBI”), on account of changes in the
lending rates, prevalent market practice, money market changes, reserve requirements, provisioning norms, or changes in Applicable Law, which would be intimated to the
Borrower and binding. Any revision in the rate of interest shall be applicable on the Borrower prospectively from the date of communication. The Borrower acknowledges that
such revised interest shall be deemed to form part of Outstanding Dues. Applicable rate of interest may be different for different categories of borrowers and may differ from
one loan to other loan. Borrower shall also pay and bear all interest tax, if any, as applicable from time to time. Borrower shall repay the Loan and pay the interest that is due
from time to time by way of equated monthly instalments (EMIs) as specified in the Schedule- I or as may be specified by Lender, from time to time (time being essence of
contract). Borrower has perused, understood and agreed to Lender 's method of calculating EMIs as also the appropriation thereof into principal and interest.
3. Payment of all the monies by the Borrower including EMIs shall be made on or before the respective due dates, at such place as Lender may require, without any set-off or
counterclaim or withholding or deduction by way of one or more modes and instruments including post-dated cheques (“ PDCs”) (in such locations where the facility of
ECS/RECS is not available)/Standing Instructions (“SI”)/National Automated Clearing House (“NACH”)/any other mode/instrument as may be acceptable to Lender. If any due
date falls on a non-Business Day of Lender, payment shall be made by the Borrower on the immediately preceding business day of Lender. It is hereby clarified that “Business
Day” shall mean a day (other than Sunday, bank holiday, public holiday) on which the branch/office of the Lender is open for normal business transactions. In case of
cheques/other instrument, the payment shall be deemed to have been made by the Borrower only at the point of time the sum is credited and realized fully in Lender’s
account irrespective of the date of instrument or time of receipt or presentation of instrument. In case of any default by Borrower in the repayment of the Outstanding
Dues, the Borrower shall, without prejudice to Lender’s other rights and remedies, pay default/additional/penal interest at the rate mentioned in the Schedule I
hereto or as may be prescribed by Lender, over and above the then applicable rate of interest till full payment is made/default is cured> . The Borrower
acknowledges that any sums, Interest, default amounts including but not limited to the Default Interest under this Agreement are reasonable and represent a genuine
pre-estimate of the loss in the event of non-payment by the Borrower and/or non-compliance with the terms of the Loan Documents. Further, the Borrower waives any defence
available under usury or other Applicable Laws relating to the charging of Interest/Default Interest.
4. Borrower shall pay Lender the charges, fees, commissions, etc, as specified in the Schedule- I/Application or as specified by Lender, within such time or upon occurrence of
such events as specified and if not specified then forthwith upon demanded by Lender. All other present and future costs and expenses, taxes (as applicable), any related
levy, stamp duty, in all jurisdictions, in relation to the this/other documents/any transaction pursuant thereto, irrespective of who the beneficiary is, shall be borne and payable
solely by the Borrower, including for creation, enforcement, preservation of security, recovery, initiating/defending/pursuing any legal proceedings/actions by Lender. In case
of any such sums if paid or incurred by Lender, the Borrower shall be liable to reimburse the same forthwith to Lender in full. 5. Any payments made by/on behalf/for the
Borrower or any realisations in relation to the Loan, security, shall be appropriated towards Outstanding Dues in the following order: (a) towards costs and expenses incurred
by Lender; (b) towards any charges, commissions, fees, taxes, levies (wherever applicable); (c) towards additional/default interest; (d) towards interest; and (e) towards
principal amount(s). Any statement of account furnished by Lender shall be accepted and be binding on Borrower and shall be conclusive proof of correctness of amounts
mentioned therein except for any manifest error therein.
5. Notwithstanding anything stated in any document, the continuation of the Loan shall be at sole and absolute discretion of Lender and Lender may at any time in its sole
discretion and without assigning any reason call upon the Borrower to pay Outstanding Dues and upon such demand, Borrower shall pay the whole of Outstanding Dues to
Lender without any delay or demur.
6. Borrower’s liability shall not be affected, terminated or prejudiced by death, insolvency, bankruptcy of Borrower, but shall continue in full force, effect and shall be binding on
Borrower’s successors, heirs etc..
7. Lender at its sole discretion shall have the right to (i) revise or reschedule the repayment terms; or (ii) store financial, identity and other data/information of the Borrower; or (iii)
inspect books of accounts and other records maintained by the Borrower; or (iv) recall the entire Outstanding Dues of the Borrower at any time.
8. The Borrower shall be entitled to prepay the Loan: (i) only if Lender permits the same upon at least 15 (fifteen) days’ written notice from Borrower communicating intention to
prepay the said Loan and (ii) subject to such conditions as Lender may prescribe including payment of the prepayment charges as mentioned in the Schedule I hereto or as
specified from time to time by Lender. There shall be no prepayment or foreclosure charges on floating rate term loans sanctioned for purposes other than business to an
individual borrower with or without co-borrower.
9. Lender may at its own discretion and upon Borrower’s request, also finance the Borrower for the insurance premium of insurance policy taken by Borrower as per Borrower’s
own wish from any insurance company of Borrower’s choice, which sum shall be added to the principal amount under the Loan and all the terms and conditions shall be
additionally applicable thereto. All expenses, charges, fees, taxes etc, as applicable on any such insurance shall be incurred and paid by Borrower, however, in case paid by
Lender on Borrower’s behalf, Borrower shall reimburse the same to Lender within 24 (twenty four) hours of Lender’s demand. The Borrower shall instruct the insurance
company to add Lender as loss payee in any such insurance policy.
10. Disbursement under the Loan shall be subject to Borrower having been provided the following documents as per Lender’s satisfaction: (a) duly executed counterpart of this
Agreement and such other documents as per the sanction letter and/or as required by Lender including without limitation, the Disbursement Request Form ( as set out in
Schedule II), ; (b) latest financial statements, bank statements, ITR, KYC documents including proof of identity, proof of address, date of birth proof of Borrower, as requested
by Lender; (c) PDC, NACH mandate forms, security post dated cheques (SPDC), as may be required by the Lender.
11. Each of the Borrowers represent(s) and warrant(s) that (which shall be deemed to have been repeated to Lender on the date of the Disbursement and on each date
thereafter): (a) Borrower is a citizen of India and a major (in terms of age) and is of sound mind and is competent to contract and enter into and perform his/her obligations
contemplated under this Agreement/other Loan Documents in respect of the Loan; (b) There is no impediment or restriction, whether under law, judgement, order, award,
contract or otherwise, for any of the Borrower entering into and/or performing any of the transactions contemplated by this Agreement/other Loan Documents in respect of the
Loan and all approvals and consents, wherever necessary have been duly obtained and are and will continue to be in full force; (c) The execution hereof constitutes legal,
valid and binding obligations of Borrower; (d) There is no Event of Default existing or continuing; (e) All declarations made by Borrower are true and complete and no
information has been suppressed/withheld; (f) There are no arrears on taxes or other statutory dues and has completed all necessary filings; (g) The “Know Your Customer”
(“KYC”) requirements of the Lender have been and shall be fulfilled and all other terms and conditions as may be prescribed by RBI or by the Lender from time to time have
been and shall be complied with; (h) No suit, litigation, proceeding, investigation, corporate action, creditor’s process etc. by any government authority or any court or tribunal
or any other person is ongoing or pending or threatened against the Borrower or in respect of its assets.
12. Borrower covenants and agrees that, except with prior specific and express written consent of Lender, Borrower shall not (a) create, assume or incur any indebtedness to any
person or lend/advance any amount to any person or undertake any guarantee/security obligation; (b) go abroad for employment/business or long term stay; (c)
change/cease/retire from/terminate/resign from present employment/profession/business disclosed in the Application. The Borrower undertakes that in case Borrower
changes its name, address, employment, place of employment, main bank account, nationality, citizenship etc., Borrower shall intimate the same to Lender in writing
immediately.
13. If the PDC/SPDC delivered to Lender by the Borrower pursuant to this Loan or this Agreement, is lost, destroyed or misplaced while in the custody of Lender becomes non
encashable due to death, insolvency, lunacy, expiry of validity, termination of authority, then in any of such events, the Borrower or its heirs shall within three (3) days of
intimation of the same, from Lender or immediately on the said PDC/SPDC being non encashable due to the reasons mentioned herein or for any other reason, deliver to
Lender such numbers of PDC/SPDC as may be required by the Lender (in place of those that have been lost, destroyed, misplaced or become non encashable).
14. The Borrower shall sign and execute all documents, applications and provide requisite information and documents as required for affecting the transfers through
NACH/SI/Direct Debit by Lender with which the Borrower’s account is maintained. The NACH/Direct Debit Mandate Form delivered to Lender by Borrower pursuant this Loan,
shall not be changed, modified, countermanded without the prior written permission of Lender.
15. The Borrower undertakes and agrees to indemnify, keep indemnified and hold harmless Lender, its affiliates, representatives, agents, officers, directors, employees and
assigns (each an “Indemnified Party”) from and against any and all losses, claims, actions, proceedings, demands, damages, costs and expenses incurred including
attorneys’ and accountants’ fees (collectively “Losses”) to which any Indemnified Party may become subject to, insofar as such Losses arise out of, in any way relate to, or

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 result from: (i) any information provided or approved by the Borrower being misleading or deceptive in any respect; (ii) failure by the Borrower to comply with/fulfil any
obligation, undertaking, covenant or condition contained in this Agreement or any other Loan Documents; (iii) Breach by the Borrower of any representation and warranty; (iv)
any act or omission that constitutes a violation of Applicable Law by the Borrower; (v) occurrence of any Event of Default or any cause thereof; (vi) any default made by the
Borrower in the repayment of the Outstanding Dues or in the performance of its obligations in accordance with this Agreement or any other Loan Documents; (vii) any delay in
payment of any sums payable or reimbursable by the Borrower to Lender under or pursuant to this Agreement. Further, Borrower acknowledge the inherent risks involved in
sending the instructions/communications/documents to or by Lender via facsimile, emails or any other electronic mode and hereby agree and confirm that all risks shall be
fully borne by the Borrower and the Borrower hereby assumes full responsibility for the same, and undertakes to indemnify Lender and keep Lender indemnified and harmless
at all times from and against any and all Losses including any claims and demands by any third party or any other actions (including legal fees on a full indemnity basis) and
howsoever arising which may be brought or preferred against Lender or that Lender may or may have to suffer, incur or sustain by reason or on account of Lender having so
acted whether wrongly or mistakenly or not, or of Lender failing to act wholly or in part in accordance with the instructions so received which could be a result of any
miscommunication, or technological error beyond the control of Lender considering the mode in which the same was conveyed.
16. The following non exhaustive events shall constitute events of default (each an “Event of Default”), and upon the occurrence of any of them the entire Outstanding Dues shall
become immediately due and payable by the Borrower and further enable Lender inter alia to recall the entire Outstanding Dues and/or enforce any security and transfer/sell
the same and/or take, initiate and pursue any actions/proceedings as deemed necessary by Lender for recovery of the Outstanding Dues: (a) Failure on Borrower’s part to
perform any of the obligations or terms or conditions or covenants applicable in relation to the Loan under this Agreement/other Loan Documents; (b) non-payment in full of
any part of the Outstanding Dues when due or when demanded by Lender; (c) any misrepresentations or misstatement by the Borrower or any concealment of material
information or document or event by the Borrower; or (d) occurrence of any circumstance or event which adversely affects Borrower’s ability/capacity to pay/repay the
Outstanding Dues or any part thereof or perform any of the obligations; (e) If any attachment, distress, execution or other process against the Borrower/its assets; or (f) in the
event of death, unsound mind, insolvency, failure in business, commission of an act of bankruptcy of the Borrower, or change or termination of
employment/profession/business for any reason whatsoever; or (g) Submission of any forged document by the Borrower; or (h) for any regulatory or other reasons, Lender is
unable or unwilling to continue the Loan; or (i) any event or circumstance arises which has or, in the reasonable opinion of Lender, may cause a material adverse change; or
(j) if the Borrower is convicted under any applicable law; or (k) any instruction is given by the Borrower for stop payment with respect to any of the repayment cheques and/or
payment through NACH/Direct Debit for any reason whatsoever; or (l) any proceeding or imminent threat of proceeding initiated against the Borrower, by any party under laws
of insolvency (m) if the Borrower opts to discontinue his/their profession or close down his/their business/trade for any reason whatsoever, (n) if the Loan or any part thereof is
utilized for any purpose other than the purpose for which it is sanctioned by Lender; (o) If the Borrower fails to give NACH/I/PDC’s or submit additional documents to Lender
as provided herein; (p) any other event which in the sole opinion of Lender would endanger the repayment of the Loan; (q) if the Borrower acts fraudulently or dishonestly.
17. Without prejudice to the rights available to Lender under applicable law, on the occurrence of an Event of Default, Lender shall be entitled to exercise any of the following
rights (whether simultaneously or otherwise), at its sole discretion: (i) declare Outstanding Dues immediately due and payable; (ii) declare all undrawn amount of the Loan as
cancelled forthwith; (iii) stipulate such other conditions or terms in relation to this Agreement or Loan Documents, as Lender considers necessary; (iv) initiate appropriate civil
or criminal proceedings against the Borrower, including but not limited to under Section 138 of the Negotiable Instrument Act,1881 (v) enforce Lender’s rights under this
Agreement/any other Loan Document/applicable law.
18. For all or any of the aforesaid purposes, on the occurrence of an Event of Default, the Borrower hereby irrevocably appoints Lender as its attorney or attorneys, and in the
name and on behalf of the Borrower, to execute and do all acts, deeds and things which the Borrower is authorised to execute and do under the covenants and provisions
herein contained and generally to use the name of the Borrower in the exercise of all or any of the powers under this Agreement and the Loan Documents or by law conferred
upon Lender and also to execute on behalf of the Borrower at the cost of the Borrower, the powers hereunder or by law conferred on Lender and also to execute on behalf of
the Borrower at the cost of the Borrower, such documents and deeds as may be necessary to give effect to the provisions referred to hereinabove. The Borrower covenants
with Lender to ratify and confirm all acts or things made, done or executed by any attorney as contemplated this clause.
19. Lender shall at any time, without any consent of or notice to the Borrower be entitled to securitise, sell, assign, or transfer all or any part of Lender 's rights and obligations
under the Loan, this Agreement or any other Loan Document, to any person(s) and in such manner and on such terms as Lender may decide. The Borrower shall not be
entitled to directly or indirectly assign or in any manner transfer, whether in whole or part, any rights, the benefit or obligation under the Loan, this Agreement/other Loan
Document without prior written consent of Lender.
20. Lender shall be entitled at its discretion to engage/avail of, at the risk and cost of Borrower, services of any person/third party service provider/agent/agency, for anything
required for/in relation to/pursuant to the Loan, including collections, recovery of Outstanding Dues, enforcement of security, conducting credit investigation of the Borrower,
getting or verifying any information of Borrower/assets, analyzing the bank statement of the Borrower, and any necessary or incidental lawful acts/deeds/matters/things
connected.
21. Lender shall, without notice to or without any consent of the Borrower, be absolutely entitled and have full right, power and authority to make disclosure of any information
relating to Borrower (including personal sensitive data or information and any information that requires a consent under the Information Technology Act, 2008 and/or any other
statute) , details in relation to this Agreement, Loan Documents, Loan, defaults, security, obligations of Borrower, to the TransUnion CIBIL Limited (“CIBIL”) and/or any other
governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, Lender’s other branches/subsidiaries/affiliates/rating agencies, service providers, other
banks/financial institutions, any third parties, any assignees/potential assignees or transferees, who may need the information and may process the information, publish in
such manner and through such medium as may be deemed necessary by the publisher/Lender/RBI, including publishing the name as part of willful defaulter’s list from time to
time, using for KYC information verification, credit risk analysis, or for other related purposes. In this connection, the Borrower waives the privilege of privacy and privity of
contract. Lender shall have the right, without notice to or without any consent of the Borrower, to approach, make enquiries, obtain information, from any person including
other banks/finance entities/credit bureaus, Borrower’s employer/family members, any other person related to the Borrower, to obtain any information for assessing track
record, credit risk, or for establishing contact with the Borrower or for the purpose of recovery of Outstanding Dues from the Borrower. The Lender shall have an unqualified
right to disclose or inform the name of the Borrower to CIBIL or any other regulatory authority authorized in this behalf by RBI, in such manner and through such medium as
the Lender may, in its absolute discretion, thinks fit. CIBIL and/or any other agency so authorized may use and/or process the aforesaid information and data disclosed by the
Lender in any manner as deemed fit by them. CIBIL and/or any other agency so authorized may furnish for consideration, the processed information and data or products
thereof prepared by them, to Lender/financial institutions and other credit grantors other registered users, as may be specified by RBI in this behalf. RBI and/or CIBIL shall
have an unqualified right to disclose or publish the details of default and name of the Borrower, its directors, partners, as the case may be, as defaulters, in such manner and
through such medium as RBI/CIBIL in their absolute discretion may think fit.
22. Lender may set off any matured Outstanding Dues due from the Borrower under this Agreement (to the extent beneficially owned by Lender) against any matured obligation
owed by Lender to that Borrower.
23. All amounts payable by Borrower shall be paid on or before the relevant due date(s) as mentioned in Schedule I for such payment without any delay or demur and without any
deduction whatsoever by way of set off or counterclaim or otherwise of any amount due or alleged to be due or outstanding from Lender or any other Person and
notwithstanding any legal limitation, disability or incapacity of the Borrower.
24. Any default by the Borrower under any agreement, arrangement, guarantee, and/or under any of its indebtedness (whether actual or contingent, or whether primary or
collateral, or whether joint and/or several), with Lender or its holding/subsidiaries/affiliates/group companies, shall constitute an Event of Default under the Loan and
vice-versa.
25. The Borrower hereby provide consent to Lender to carry out the KYC and other requisite checks by such processes as may be permissible under Applicable Law including
authentication/verification of documents or details submitted for KYC purpose, accessing and procuring data from databases maintained by statutory or other government
authority. The Borrower expressly authorise/consent to Lender, its various service providers or agents, including for marketing, collections and recovery agents to contact the
Borrower telephonically, through e-mails, telephones, messages, SMS, Whatsapp or other applications or otherwise even if the names of the Borrower appear in the Do Not
Call or Do Not Disturb Register to inform the Borrower about the marketing schemes, various financial and/or investment products and/or offerings of other services,
Outstanding Dues under the Loan Documents or any other aspect pertaining to any loan facilities availed or to be availed by the Borrower. The Borrower also expressly
declare that such e-mails, telephonic calls, messages, SMS, Whatsapp messages etc. from the tele-callers, agents and/or service provider of Lender and its associates,
affiliates and/or group companies will not cause any inconvenience to them and/or their family members. The Borrower expressly and irrevocably consent that for any claim
against the service providers, Lender shall not be liable and the claim of the Borrower on this account shall be against the service providers and/or tele-callers. The Borrower
agree to the use of e-mails, messages, SMS, Whatsapp and/or other applications for communication or sharing of information or documents, agree to abide by the terms and
conditions of such applications and agree to the risks associated with such applications or sharing of information through them.
26. This Agreement, Loan Documents, all obligations arising out of or in connection with them, shall be governed by and shall be construed in accordance with the laws of India.
Subject to clause 28 below, the Parties hereto agree that all disputes arising out of and/or relating to the Loan, this Agreement or any other Loan Document shall be subject to
the exclusive jurisdiction of the courts at New Delhi only. Notwithstanding the aforesaid, the Borrower acknowledges and agrees that Lender may, however, in its absolute
discretion commence any legal action or proceedings arising out of this Agreement or any other Loan Document against the Borrower in a court, tribunal or any other
appropriate forum situated in any part of India.
27. All disputes, claims, controversy or difference or questions between Parties arising out of or relating to the Loan, this Agreement, other Loan Documents shall be referred to
arbitration by a sole arbitrator to be appointed by Lender only. The arbitration proceedings shall be conducted in accordance with the Arbitration and Conciliation Act, 1996,
including the statutory amendments. The venue, place and seat of arbitration shall be New Delhi and the language of the arbitration shall be English. The award including
interim award(s) of the arbitral tribunal shall be final, conclusive and binding on all the parties concerned. The arbitral tribunal may, from time to time, lay down the procedure
to be followed in conducting the arbitration proceedings and shall conduct the arbitration proceedings in such manner as it considers appropriate.
28. Interest, taxes, other fees, stamp duties, processing fees, upfront fees, NOC fees, prepayment charges, insurance charges, enforcement expenses, assignment cost, legal
expenses and other charges, as may be applicable from time to time on the Loan shall be borne solely by the Borrower. Such amounts shall form part of the Outstanding
Dues. Lender may at any time and from time to time without prior notice to the Borrower, add to, withdraw or otherwise vary the fees and charges payable in connection with
the Loan. Any changes in the charges shall be effected only prospectively.
29. All payments to be made by the Borrower to the Lender under the Loan Documents shall be made free and clear of taxes and without any tax deduction, unless a tax
deduction is required under the applicable law.
30. Any security(ies) furnished by the Borrower under the Existing Loan or any other agreement entered into/to be entered into by the Borrower with the Lender, its group
companies, its affiliates shall be deemed to be the security(ies) under this Agreement and the Lender shall be entitled to exercise any or all rights under the respective
agreements including but not limited to exercising right over any security available to the Lender under any of the loans including the Existing Loan. It is hereby further clarified
that the vehicle/asset hypothecated by the Borrower in favour of the Lender under the Existing Loan shall remain hypothecated/continuing security with the Lender in respect
of this Loan and shall not be discharged till such time the entire dues under the Existing Loan and this Loan are fully paid by the Borrower to the full satisfaction of the Lender.
31. The Borrower has explicitly agreed that if the Borrower fail to perform any of its/their obligations and/or upon happening of any of the Event of Default under this Agreement
and/or under the Existing Loan, the Lender shall have the right to enforce security, take charge and/or possession of the hypothecated Vehicle and sell, transfer, alienate the
same for the recovery of the its dues under this Loan and the Existing Loan.
32. The Borrower hereby acknowledges that the Lender shall not issue no objection certificate to the Borrower until all the Outstanding Dues, monies, liabilities, indebtedness of
the Borrower in respect of this Agreement, Existing Loan and also all other monies, indebtedness and liabilities of the Borrower to the Lender, in whatever capacity, shall have
been paid and satisfied in full to the Lender.
33. The Borrower hereby acknowledges and agrees that the Lender may, in its sole discretion, issue No Objection Certificate to Regional Transport Office for deletion of
hypothecation/endorsement on hypothecated vehicle provided that the Borrower has fully repaid the entire dues under this Loan and Existing Loan as per the satisfaction of
the Lender.
34. Lender reserves the right to alter, amend or revise any of these terms and conditions and may notify the Borrower of any changes to terms and conditions in any manner it
considers appropriate.
35. The Parties agree that damages may not be an adequate remedy and Lender shall be entitled to an injunction, restraining order, right for recovery, specific performance or
such other equitable relief to restrain the Borrower from committing any violation or enforce the performance of the covenants, warranties or obligations contained in this

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 Agreement. The Parties agree that any delay or omission by Lender in exercising any of its rights, powers or remedies under this Agreement and other documents pursuant
hereto shall not impair the right, power or remedy or be construed as its waiver or acquiescence by Lender.
36. Each of the provisions of this Agreement are intended to be and shall be construed as independent and several of each other. Invalidity, illegality or unenforceability of any
provision (in whole or part) of the terms and conditions of this Agreement in any jurisdiction shall not affect such provision in any other jurisdiction or invalidate or affect the
remaining provisions (including in case of partial invalidity, the valid part of the affected provision) of this Agreement. Lender’s remedies under this Agreement or applicable
law including termination of this Agreement shall be several and cumulative and not in the alternative.
37. Any notice, demand, request or other communication to be given or made by a Party to the other shall be in writing unless otherwise stated and shall be deemed to duly given
and served if send by personal delivery, courier, speed post, registered post, email, facsimile at the address as mentioned in Schedule I. Such notice and service shall be
deemed to take effect on the third business day following the date of posting thereof in case of courier, speed post, registered post; at the time of delivery, if given by personal
delivery; upon receipt of transmission report if given by facsimile; upon sending the email if given by email. The Borrower undertakes to keep Lender informed at all times in
writing of any change in the residential/official address, email id, phone number, mobile number, fax.
38. As regards the Borrower, this Agreement shall be in full force and effect and shall not be terminated, in any situation except with the written consent of Lender to the effect
that the entire Outstanding Dues under this Agreement have been paid in full by the Borrower.
39. In the event any changes are required to be made in any of the Loan Documents based on guidelines / directives issued by the RBI to non-banking financial companies from
time to time, such changes shall be deemed to be incorporated in the Loan Documents as if the same were part of the documents since inception and thereafter such
amended terms and conditions will thereupon apply to and be binding on the Borrower. Without prejudice to the aforesaid, Lender may in its sole discretion ask the Borrower
to co-operate with the Lender to make those changes in the Loan Documents and the Borrower shall be bound by the same.
40. Notwithstanding any suspension or termination of the Loan, all rights and remedies of the Lender as per the Loan Documents shall continue to survive until the receipt by the
Lender of the Outstanding Dues in full to its satisfaction.
41. This Agreement, Sanction Letter, Application and other Loan Documents have been explained to the Borrower in their respective vernacular language known to the Borrower
and the Borrower has read and understood the same and thereafter Schedule(s) to this Agreement were duly filled in and understood by the Borrower and the signatures of
the Borrower were taken on this Agreement.
42. The Application, Sanction Letter, Schedules hereto and any amendments thereof shall be deemed to be an integral part of this Agreement as if the provisions thereof were set
out herein in extension.
43. The terms of the Sanction Letter are in addition to this Agreement. If there is any inconsistency between the Sanction Letter and this Agreement, then the latter shall prevail.
44. In case of there being more than one Borrower (i.e. there being Co-Borrowers), the reference to the term Borrower shall be deemed to be as if it were plural and this
document shall be read accordingly as if made and liabilities taken by each of them jointly and severally. Reference to the masculine gender includes reference to the
feminine and neuter genders and vice versa.
45. The Borrower further agrees that this Agreement may be execute physically or electronically by Parties, as deemed appropriate to Lender.
46. This Agreement may be executed in any number of counterparts by either handwritten or electronic signature, each of which when executed shall constitute a original, but all
the counterparts shall together constitute the one agreement, and each of which counterparts may be delivered by emailing the signed scanned document or electronically
signed portable document format (pdf) version of this Agreement (as applicable). The Borrower agrees to the execution of this Agreement in this manner, and the Borrower
acknowledges that execution in this manner creates a binding contract between the Parties. Further, upon the request of the Borrower, this Agreement may be executed in a
vernacular language; however, the English version of this Agreement shall prevail. In addition, the Obligors agree that the details required for the purposes of this Agreement,
which are unavailable as of the date of this Agreement, shall be deemed incorporated and considered as a part of this Agreement, as and when such details and information
are made available. The Borrower has read, understood, agrees and accept all the above terms and conditions of this Agreement, from Clause no 1 to 47 on page nos. ____
to ____. The Agreement has been explained to the Borrower in vernacular language and Borrower has understood the entire meaning and also the Borrower has been served
a copy after execution.

IN WITNESS WHEREOF, the Parties, have duly executed this Agreement, as of the day, month and year first aforesaid
SIGNED AND DELIVERED by the within named Borrower SIGNED AND DELIVERED by the within named Co-Borrower SIGNED AND DELIVERED by Hero FinCorp Limited
____________________ ____________________ ____________________
Name : Shaik Hashim Hussin Name : Name :
Designation :

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 SCHEDULE I

[This Schedule forms an integral part of the Loan Agreement]

S. No. Particulars Description
1. Date and Place of Execution : GUDUR
Hero FinCorp Limited
2. Address of Lender 34, Community Centre,
Basant Lok, Vasant Vihar,
New Delhi-110057
3. Borrower's Details
a) Name Shaik Hashim Hussin
b) Constitution Farmer
c) Father's/Husband's Name Shaik Kalesha
d) Mother's Name Shaik Vahida begum
e) Address 10/423/b psr park street East gudur Nellore, 524101, NELLORE, ANDHRA PRADESH
f) Occupation Salaried
g) Email Not Available
h) Phone Number
i) PAN
4. Co-Borrower's Details
a) Name
b) Constitution ;
c) Father's/Husband's Name
d) Mother's Name
e) Address
f) Occupation
g) Email Not Available
h) Phone Number
i) PAN
5. Existing Loan Details
a) Existing Loan Amount Rs.84000.00
b) Existing Loan Agreement LPLGUD15117512 dated ___________
6. Loan Details
a) Loan Application Form Date and No Date :27/06/2023 LMS ApplicationId : 53072244
b) Sanction Letter Date with Reference No LMS ApplicationId : 53072244
c) Sanction Loan Amount Rs.196350/-
d) Loan Type Loyalty Cum Personal Loan Programme
e) Purpose of Loan
f) Tenure 48
g) Moratorium Period (if any)
7. Interest Details
a) Annualized Rate of Interest 28.038% p.a
b) Interest Type Fixed Floating Other
c) Default Interest
8. Repayment of loan
a) Tenure of loan 48
b) Mode of Repayment NACH PDC SI Others,Please Specify_____________
c) Number of installments 48
d) Amount of each installment 6848.00
e) 1st installment amount 6848.00
)f Date of commencement of installment 08/08/2023
g) Period 08/08/2023 to 08/07/2027
h) First due date 08/08/2023
i) Last due date 08/07/2027
Repayment Schedule shall mean the schedule for payment of interest and repayment of the
j) Repayment Schedule principal component of the Facility by the Borrower to the Lender and attached as Annexure
hereto, as amended depending upon the actual date of Disbursement and communicated by the
Lender to the Borrower, from time to time.

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 9. All Charges
Processing g) 5% of POS ; within 6 month from the date of
a) Fees Prepayment/Foreclosure disbursement, interest on loan amount for 6
Charges months plus foreclosure charges.
b) Doc+NPDC h) Cheque Swap N/A
Charges
c) ECS/ADM 1438.00 i) Delayed 3% per month of overdue EMI
Charges Payment Charges
Stamp
d) Duty 236.00 j) Bounce Penalty Rs.350 per bounce
Charges
e) Life 0.00 Bounce Penalty Rs.350 per bounce
insurances
f) PA 0 k) Loan cancellation N/A
Insurance charges
Broken period Pre EMI interest will be calculated on the disbursement l) Legal and incidental
Pre EMI date on the basis of the actual number of days for which the interest is Charges as applicable
due (30/360).
GST and all other applicable taxes statutory levies, if any will be charged additionally

Basis of Classification:
Classification & Upgradation of Special mention accounts (SMA)/
Non-Performing Asset (NPA): SMA Sub-Categories Principal or Interest Wholly or Partly Overdue
If Principal or interest or any other amount remain overdue (wholly or partly) then SMA 0 Upto 30 days
borrower loan account shall reflect the asset classification (SMA/NPA) status of an
account at the day-end of that calendar date. SMA-1 More than 30 days and upto 60 days
Loan accounts classified as NPAs may be upgraded as ‘Standard’ asset only if
entire arrears of interest and principal are paid by the borrower. SMA-2 More than 60 days and upto 90 days
NPA More than 90 days

____________ ____________
Borrower Co-Borrower

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 SCHEDULE II
Disbursement Request Form
Date: June 27, 2023
To,
Hero FinCorp Limited
34, Community Centre,
Basant Lok, Vasant Vihar,
New Delhi-110057
Dear Sir/ Madam,
I/We have been sanctioned a personal Loan of Rs.196350/- (Rupees One Lakh Ninety Six Thousand Three Hundred Fifty only) by Hero FinCorp Limited
(“Lender”). I/We wish to take the disbursement of my loan and request you to disburse the following amount by a Demand Draft/Cheque/Electronic transfer to the
following:

S. No. Account Holder Name Account Number Bank Name and Branch IFSC Code Amount to be disbursed(In INR)
1. Shaik Hashim Hussin 10080191733 IDFC FIRST BANK LTD Branch : GOKAK BRANCH IDFB0080252 186120.00
* The final disbursement amount may change on the basis of broken period interest accrued on the disbursal date.

I/We hereby confirm/declare that:

(a) All the representations and warranties contained in the Loan Agreement are true and correct on the date hereof as if each was made with respect to the facts
existing on such date;
(b) In the sole judgment of HFCL, any material facts have been concealed and / or become subsequently known.
(c) All the necessary certificates and documentation required by Lender is attached herewith or has already been made available to Lender;
(d) The proceeds of the proposed disbursement shall be used for the purposes as stated in the Loan Agreement;
(e) This disbursement shall be subject to credit limit fixed by Lender from time to time and we shall not protest the decision of Lender in this regard;
(f) We agree and undertake to repay the disbursed amount of the Loan facility as per the repayment schedule and in accordance with the Loan Agreement and
further agree and acknowledge that Lender shall be entitled to demand immediate repayment of the disbursed amount if any installment of interest/principal
installment remain unpaid on the due date for payment thereof;
(g) This Disbursement Request Form is irrevocable

Name Signature
Borrower Shaik Hashim Hussin
Co-Borrower

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 SANCTION LETTER
Ref No.:53072244 Date:
To,
Borrower’s Name: Shaik Hashim Hussin
Address: 10/423/b psr park street East gudur Nellore, 524101, NELLORE, ANDHRA PRADESH
Email Id: Not Available
Subject: Your Loan Application Form dated (“Application”)
Dear Sir/ Madam,
Hero FinCorp Limited (“HFCL”) is pleased to inform you that basis the Application submitted by you, HFCL approved your Loyalty Personal Loan as per
below mentioned terms and conditions:
S. No. Particulars Description
1. Nature of Loan Loyalty Personal Loan
2. Name of the Borrower Shaik Hashim Hussin
3. Name of the Co-Borrower (if applicable)
4. Purpose of Loan
Loan Details
1. Sanctioned Loan Amount INR 196350/-
Indian Rupees (in words) One Lakh Ninety Six Thousand Three Hundred Fifty
2. Loan Tenure 48
3. Annualized Rate of Interest 28.038% p.a.
4. EMI 6848.00
5. Advance EMI 0.00
6. Processing Fees
7. DOC + NPDC Charges 0.00
8. Life Insurance 0.00
9. PA Insurance 0
10. Final Disbursed Amount 186120.00
Repayment Schedule
i. Repayment Mode NACH PDC SI Others,Please Specify_____________
ii. Last EMI date
iii. Due date of each of the EMI 8th of every month
iv. Repayment Account No. and Bank Name
5. Charges
i. Default Charges
ii. Bounce Penalty Rs.350 per bounce
iii. Cheque Swap Charges N/A
iv. Retrieval of Loan Documents
v. Prepayment/Foreclosure Charges 5% of POS ; within 6 month from the date of disbursement, interest on loan amount for 6 months
plus foreclosure charges
vi. Legal and Incidental Charges as applicable
vii. Loan cancellation charges NA
viii. Taxes and Other Levies as per actuals
ix. Pre EMI Broken period Pre EMI interest will be calculated on the disbursement date on the basis of the
actual number of days for which the interest is due (30/360).
x. Delayed Payment Charges 3% of overdue amount
xi. ECS/ADM Charges 1438.00
xii. Stamp Duty Charges 236.00
6. Other Conditions, if any
7. Validity of the Sanction Letter 30 (thirty) days from the date of Sanction Letter
* The final disbursement amount may change on the basis of broken period interest accrued on the disbursal date.

GENERAL TERMS AND CONDITIONS

1. The sanction of the above mentioned Personal Loan and all the terms and conditions mentioned in this Sanction Letter are subject to the execution of a Personal Loan
Agreement and other documents in writing (“Loan Documents”) as HFCL may specify in the prescribed formats. This Sanction Letter forms an integral part of the Personal
Loan Agreement. This Sanction Letter intends to summarize certain basic terms of the Loan and the Loan Documents and does not reflect an agreement between HFCL and
the Borrower in relation to the Loan.
2. The Loan Documents shall contain additional terms and conditions which have not been set out in this Sanction Letter and the Loan Documents shall be read together with the
terms and conditions specified in this Sanction Letter.
3. All the Charges including processing fees, legal, incidental expenses, inspection, legal search, insurance expenses, stamp duty, Taxes and out of pocket expenses in
connection with the proposed Loan shall be borne by the Borrower.
4. Not withstanding anything contained in this Sanction Letter or otherwise, the sanction of the Loan mentioned above is at the sole discretion of HFCL and the terms and
conditions in relation to the Loan are subject to modification and / or cancellation and / or repayment to HFCL, at the sole discretion of HFCL, on demand without assigning
any reasons for the same.
5. The Sanction of the Loan is subject to the Borrower having provided all such information and documents to HFCL as set may be required by HFCL from time to time or as may
be required under the Loan Documents.
6. HFCL, at its sole discretion, shall be entitled to revoke this sanction upon occurrence of any of the following events:
a) There is any material change in the purpose(s) for which the Loan has been sanctioned.
b) In the sole judgment of HFCL, any material facts have been concealed and / or become subsequently known.
c) Any statement, declaration, undertaking or disclosure made by, or on behalf of, the Borrower in the application or otherwise is incorrect, inaccurate, incomplete or
misleading.
d) There is a default or a breach of the terms and conditions of this Sanction Letter, the Loan Documents or any other loan offered by HFCL or its group company to the
Borrower/Co-Borrower.
e) If there is any bankruptcy or insolvency proceeding against the Borrower.
f) Relevant documents are not executed by the Borrower as per HFCL’s policy and format.
7. HFCL reserves the right, at its sole discretion and without assigning any reason and with such notice as HFCL may deem reasonable to the borrower, to modify, vary, delete
or add to the terms and conditions, or to terminate the said Loan and Loan Documents, at any time, and to recall the entire Outstanding Dues under the Loan. All amounts due
in respect of the said Loan shall become payable forthwith on such demand.
8. HFCL adopts interest rate/ pricing methodology based on various risks associated with the type of Loan, cost of funds, tenor of the loan, type & value of Security, Loan amount
etc. Further, HFCL periodically reviews the rate of interest and product features offered by it with those offered by its competitors. For a Borrower, an additional risk premium
may be included in the pricing based on the credit risk associated with the Borrower which is a function of the Borrower’s credit history, credit information, internal rating along
with other factors like the Borrower’s source of income, professional experience etc. Accordingly, the applicable rate of interest may be different for different categories of
borrowers and may differ from one loan to other loan.
9. PEMI amount, if applicable shall be at the rate at which the EMI has been calculated, may be charged, at the sole discretion of HFCL, from the date of loan
booking/disbursement till the date of commencement of first EMI.
10.

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 10. The Borrower shall obtain and keep valid all approvals required in connection with the Loan.
11. The Borrower hereby accepts that, there may be a time lag between disbursement of the Loan and the payment being received by them. The Borrower further agree &
undertake that they will pay the interest and charges as set out in the Loan Documents on the disbursed Loan Amount for such period & the Borrower will not claim for any
type of refund.
12. The Processing Fees is a non refundable fee and is collected by HFCL for the purpose of appraising the Loan Application form for the Loan and the same is independent of
the outcome/result of such appraisal.
13. The Borrower shall immediately intimate HFCL in the event of any change in the repayment capacity of the Borrower, loss / change of job / profession, etc. and also any
change in any information stated in the application or under any Loan Documents.
14. No amount under the Loan shall be disbursed until and unless the Borrower has executed the required agreements, documents and writings and performed such other acts
and deeds as HFCL may require.
15. The Loan sanctioned to the Borrower shall be subject to HFCL’s rules as well as the directives issued by Reserve Bank of India, from time to time.
16. HFCL may at its sole discretion disclose information regarding the Loan, Loan Documents or the Borrower, its Guarantors etc. to any Person including government authority,
RBI, CIBIL or any third party etc.
17. HFCL may in its sole discretion on such terms as to pre-payment charges, etc. as it may prescribe, permit, prepayment / acceleration in the payment of EMIs at the request of
Borrower, provided that HFCL may, in permitting such prepayment, also specify from time to time, the minimum amount of prepayment / amounts payable on account of
acceleration of EMI. In the event HFCL permits any prepayment / acceleration, the repayment schedule for the Loan shall be amended / altered by HFCL for giving effect to
such prepayment/ acceleration, and such amended / altered repayment schedules shall be binding upon the borrower. In case any amount is prepaid by the Borrower, the
same shall be adjusted first towards, incidental charges, additional interest, PEMI Interest, outstanding EMIs, EMI of the current month and balance towards the principal dues.
18. If applicable. TDS Deduction – Gross Interest would be paid on the Loan to HFCL. Borrower shall provide a TDS certificate on a quarterly basis to HFCL and only upon receipt
of such TDS certificate shall HFCL be required to refund any TDS amounts to the Borrower within 10 (ten) Business Days. In the event the Borrower is paying the net amount,
an undertaking, to the effect that the Borrower will provide TDS certificates to HFCL on a quarterly basis, shall be provided by the Borrower. However, in event a TDS
certificate not been provided within agreed time frame of 3 (three) months, HFCL reserves the right to debit the amount to Borrower’s Loan account and same shall stand as
outstanding and recoverable along with Default Interest (where applicable).
19. Notwithstanding the issuance of this Sanction Letter and the acceptance thereof, HFCL may decide to not disburse the Loan, repudiate and rescind this Sanction Letter
unilaterally without assigning any reasons.
20. This Sanction Letter is confidential and the property of HFCL and neither this document nor the contents hereof shall be communicated to or used without the HFCL’s prior
written consent.
21. This sanction is available to the Borrower for the period specified in the letter (which period shall not exceed 30 (thirty) days from the date of the Sanction Letter) provided the
Borrower deposits with HFCL the processing fees mentioned overleaf along with a copy on this Sanction Letter accepted and delivered by the Borrower to HFCL.
22. This Sanction Letter shall be governed by the laws of India and the Borrower and the Lender shall be subject to the exclusive jurisdiction of New Delhi. Notwithstanding the
aforesaid, the Borrower acknowledges and agrees that HFCL may, however, in its absolute discretion commence any legal action or proceedings arising out of this Sanction
Letter and Loan Agreement against the Borrower in a court, tribunal or any other appropriate forum situated in any part of India.

If the terms of this Sanction Letter are acceptable to you, you may sign the duplicate copy of this Sanction Letter as a token of your
acceptance and return it to the above-mentioned address.

Thanking you,
For Hero FinCorp Limited

Authorized Signatory
Name:
Designation:
Employee Code:

Read, understood, agreed and accepted by the Borrower & Co-Borrower

I/We confirm that I/we understand and accept the terms and conditions of the Sanction Letter, as laid out in English/ have been explained to me in a vernacular language of
my/our understanding and I/we accept the Loan on the terms set above. I/We authorize HFCL to collect information about me/us as may be required for evaluating the
proposed financing Loan, including without limitation, gathering information from credit bureaus like CIBIL. I/We also authorize HFCL to share my information, and my
personal data at any point of time, with credit bureaus, statutory agency or any third party as HFCL may deem fit.
_______________________________ (Signature of the Borrower)

____________________________ (Signature of the Co-Borrower)

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 ACKNOWLEDGEMENT

I/We, _________________________ S/o / D/o / W/o ____________________ R/o ______________________________________________have received the copy of all the Loan
Documents including Sanction Letter, Loan Agreement dated _________________ along with its Schedules attached thereto. I/We also hereby confirm that the contents of the copy of
Loan Documents have been explained to me in the language understandable by me/us. I/We have understood the meaning of all the provisions/contents of the Loan Documents and
have voluntarily executed the said Loan Documents upon understanding the contents therein.

____________ ____________
Borrower Co-Borrower

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]
Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]
Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]
 Credit Assessment Memo(CAM)

Hero FinCorp Limited CAS ID LPLGUD15117512

34, Community Centre,
Basant Lok, Vasant Vihar, Login Date 27/06/2023
New Delhi-110057 LMS APPLICATION NO. 53072244

Sourcing Details
Location Name GUDUR Source Type MANUAL Source Name DUMMY LOYALTY PL DEALER
Source Code DLPD0001 Login Date 27/06/2023 Disburse To Shaik Hashim Hussin
Existing Customer
SE Name SE Code Yes
HFCL (Y/N)
Loan Account
TM Name TM Code TWLGUD11639356
Number
AUTO-PRE-APPROVED LOYALTY
Program Name Scheme Name LPL ADVANCE EMI ID No.
PROGRAM
Same Residential
Documents Provided Type of ID Proof Yes
address
Same Office address Yes Risk Flag Low Risk Caller Name CRM Mobile App Integration User
Location Code GUD

Loan Details
Loan Status Active Loan App Id 28949345

Applicant Details
Father/Husband’s
Applicant Name Shaik Hashim Hussin Shaik Kalesha Date of Birth 15/6/1989
Name
Gender Male Marital Status Married No. of Dependents
Education Residence Status Monthly Rent Rs.
Mother's Name Shaik Vahida begum LPL PAN

Contact Details
Phone Residence Phone
Residence Mobile 8522044087 Office Phone
Email Id Not Available Extn.

Mailing address
Address Line 1 10/423/b psr park street Address Line 2 East gudur PinCode 524101
Nearest Landmark District NELLORE City/Village NELLORE
Years at Current
State ANDHRA PRADESH 10 Year 1 Month Years in Current City 10 Year 1 Month
Address
Please indicate if this is the permanent Address No

OVD address
Address Line 1 Address Line 2 East gudur PinCode 524101
Nearest Landmark District NELLORE City/Village NELLORE
State ANDHRA PRADESH

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 Employment Details

Agriculture Office/Bussiness Resi cum office

Name of Organization Address Nearest Landmark

City/Village NELLORE District NELLORE State ANDHRA PRADESH

Pin Code 524101 Company Type Farmer Designation
Annual Turnover Rs. Total Work Experience 7 years Annual Income Rs.
Additional Income Rs. Occupation Type Salaried Nature of Business

Proposed Loan Details

Scheme Name LPL ADVANCE EMI Final Loan Amount Rs.196350 No. of Advance EMI 0

Rs. Rs.6848.00 ECS/ADM/Stamp 1674.00

Processing Fee EMI Amount Charges
Gross Tenure 48 Net Tenure 48 NPDC Charge 0.00

Rs.0.00 Annualized Rate of 28.038 0.00

Advance EMI Amount Interest Other Charges

Broken period Pre EMI interest

will be calculated on the
disbursement date on the basis Debit and date for Maximum Amount
Pre EMI of the actual number of days for Purpose of loan NACH Date :27/06/2023
which the interest is due
(30/360).
General Insurance Yes Manipal Cigna Life Insurance No
Applicable(Yes/No) Applicable(Yes/No)

Bank Details
Name of Bank IDFC FIRST BANK LTD Bank Branch GOKAK BRANCH Account Number 10080191733
IFSC Code IDFB0080252 MICR Code 591751502

Guarantor/Co-Applicant Information 1
Father/Husband’s Relationship with
Co-Applicant Name Name Borrower
Date of Birth Name of Company Designation
Address Line 1 Address Line 2 City/Village
District State Pin Code
Landline No. (With
Nearest Landmark STD Code) Mobile Phone

Annual Income Guarantor

Reference Details
Name Gender Relation
Other Relationship Email Not Available Mobile Number
Address Line 1 Address Line 2 Address Line 3
Pin code City State
Landmark

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 BORROWER’S DECLARATION UNDER ESG FRAMEWORK
Date:27/06/2023
To,
Hero FinCorp Limited
34, Community Centre,
Basant Lok, Vasant Vihar,
New Delhi-110057

Name of the Borrower: Shaik Hashim Hussin

Purpose for which loan is taken:

Dear Sir,

Shaik Hashim Hussin has applied / received a loan of Rs. 196350/- from Hero FinCorp Limited (hereinafter referred to as “Lender”) on27/06/2023
I/We declare that utilization of the loan received from the lender, for the said purpose, will be in compliance with the applicable State and National level
Environmental, Social and Governance (ESG) Regulations.
I/ we will also ensure compliance with any amendments in the existing ESG regulations during the lending period.

Name of the Borrower: Shaik Hashim Hussin

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]

 Amortization Schedule

INSTALLMENT NO OPENING PRINCIPAL INSTALLMENT AMT INSTALLMENT PRINCIPAL INTEREST BALANCE PRINCIPAL
1 196350.0 6848 2260 4588 194090.0
2 194090.0 6848 2313 4535 191777.0
3 191777.0 6848 2367 4481 189410.0
4 189410.0 6848 2422 4426 186988.0
5 186988.0 6848 2479 4369 184509.0
6 184509.0 6848 2536 4312 181973.0
7 181973.0 6848 2596 4252 179377.0
8 179377.0 6848 2656 4192 176721.0
9 176721.0 6848 2718 4130 174003.0
10 174003.0 6848 2782 4066 171221.0
11 171221.0 6848 2847 4001 168374.0
12 168374.0 6848 2913 3935 165461.0
13 165461.0 6848 2982 3866 162479.0
14 162479.0 6848 3051 3797 159428.0
15 159428.0 6848 3123 3725 156305.0
16 156305.0 6848 3195 3653 153110.0
17 153110.0 6848 3270 3578 149840.0
18 149840.0 6848 3347 3501 146493.0
19 146493.0 6848 3425 3423 143068.0
20 143068.0 6848 3505 3343 139563.0
21 139563.0 6848 3587 3261 135976.0
22 135976.0 6848 3670 3178 132306.0
23 132306.0 6848 3756 3092 128550.0
24 128550.0 6848 3844 3004 124706.0
25 124706.0 6848 3934 2914 120772.0
26 120772.0 6848 4026 2822 116746.0
27 116746.0 6848 4120 2728 112626.0
28 112626.0 6848 4216 2632 108410.0
29 108410.0 6848 4315 2533 104095.0
30 104095.0 6848 4415 2433 99680.0
31 99680.0 6848 4519 2329 95161.0
32 95161.0 6848 4624 2224 90537.0
33 90537.0 6848 4732 2116 85805.0
34 85805.0 6848 4843 2005 80962.0
35 80962.0 6848 4956 1892 76006.0
36 76006.0 6848 5072 1776 70934.0
37 70934.0 6848 5190 1658 65744.0
38 65744.0 6848 5311 1537 60433.0
39 60433.0 6848 5436 1412 54997.0
40 54997.0 6848 5563 1285 49434.0
41 49434.0 6848 5692 1156 43742.0
42 43742.0 6848 5825 1023 37917.0
43 37917.0 6848 5962 886 31955.0
44 31955.0 6848 6101 747 25854.0
45 25854.0 6848 6243 605 19611.0
46 19611.0 6848 6389 459 13222.0
47 13222.0 6848 6539 309 6683.0
48 6683.0 6848 6683 151 0.0

**For loan disbursed till 15th of the month, EMI would be presented on 08th of the subsequent month. Thereafter, for loan disbursed from the 16th of the month till
15th of next month, EMI would be presented on 8th of next to next month.
**Repayment Schedule will be shared separately after Loan Disbursement.

____________
Borrower

Digitally signed by [test | Shaik Hashim Hussin | 27/06/2023 01:43 PM | 13.1,11.2]