PERSONAL LOAN AGREEMENT

SANCTION LETTER

LOAN ID: 6821750

Date: 24-11-2023

GOPAL PANDIMUKKULA

S O Pandimukla Laxminarayana 3 44 shivampet mandalam 5th ward Medak Gomaram

Dear Sir / Madam,

Please refer to your loan application 6821750 for a loan facility from NDX P2P Private Limited (“Liquiloans”) made through Zeo Fin
Technology Private Limited ('JIFY') technology platform

Liquiloans has agreed to provide the credit facility on the following broad Terms & Conditions.

1. Sanction Amount INR 1000

2. Rate of Interest % 0%
p.a.
3. Tenor 1 month
4. Lender INR 18.88
Facilitation
charges
5. Insurance NA
charges
6. EMI Start Date 20-12-2023
8 Delay Charges In case of default in payment of any scheduled EMI, I/We will have to pay a flat fee of
Rs. 650 along with a charge of 36% per annum (excluding GST) on amount
outstanding from the date of default.
This Sanction Letter may not be construed as a binding commitment on us to disburse the above-mentioned credit facility unless you
have accepted the standard loan terms in a form and manner acceptable to us and the conditions for disbursal set out therein are
fulfilled to our satisfaction.

Address of LiquiLoans:2nd Floor, Office No. 203 & 204, Mittal Commercial, Saki Naka, Off Andheri Kurla Road, Andheri (East), Mumbai –
400059.

THIS PERSONAL LOAN AGREEMENT (“Agreement”) is made at the place and on the date as stated in Schedule 1 hereunder written
BETWEEN

The Borrower, as described in Schedule 1 (hereinafter referred to as the “Borrower” which expression shall be deemed to mean and
include his / her / their respective heirs, administrators, executors, legal representatives of the First Part;
AND
NDX P2P Private Limited and lenders on its platform (hereinafter referred to as “LiquiLoans” or "Lender") , has agreed to grant the Loan
(defined below) to the Borrower as described in the Sanction Letter.

The Lender and the Borrower hereinafter be referred to individually as ‘Party’ or collectively as ‘Parties’.

WHEREAS

1. LiquiLoans is a non-banking financial company engaged in the business of providing peer to peer lending platform for enabling of
loan facilitation via online medium or otherwise, to a wide range of participants.
2. The Borrower intends to raise a loan of up to an amount (“Loan”) for the purposes (“Purpose”) as set out in Loan Key Fact Statement
(KFS).
3. Lender has conducted the requisite due diligence of the participants and credit assessment and risk profiling of the Borrower and has
agreed to grant the Loan, on the terms and conditions as contained in this Agreement including Loan Key Fact Statement (KFS)
hereof.
4. Service Providers: The Lender has authorized various third parties to provide services with regard to onboarding, management and
collections from the Borrower and act as a customer touch points besides Lender’s own personnel. These third parties also include
Zeo Fin Technology Private Limited (“JIFY”) and its agents.

NOW, THEREFORE, THE PARTIES HEREBY AGREE AS UNDER:

1. AMOUNT OF LOAN: Subject to and upon the terms and conditions contained herein, the Lender agrees to make available to the
Borrower and the Borrower agrees to borrow from the Lender a term loan of amounts not exceeding those specified in Loan Key Fact
Statement (KFS)(“Loan”) The proceeds of all disbursements of Loan shall be utilised by the Borrower solely for the Purpose, as stated
in Loan Key Fact Statement (KFS). The Borrower shall also execute the demand promissory note, in the format enclosed as Schedule
2, in acknowledgement of his liability of the Loan.

2. The disbursement of the Loan may be made to the Borrower by the Lender in a lump sum, or in such instalments as provided under
the Loan Key Fact Statement (KFS), subject to the terms and conditions contained herein.

3. The disbursement of the Loan shall be made through normal banking channels, during normal banking hours. The Lender shall not,
in any event or circumstance whatsoever, be liable or be construed as being liable in case there is any delay(s) in disbursement / non-
disbursement of the Loan on account of any technical or system errors or for any other reason.

4. COVENANTS, TERMS AND CONDITIONS

 a. The Borrower is liable to repay the principal amount and the interest (including default interest, if any) and any other costs,
charges and expenses, as per repayment schedule, whether any demand for the same is raised by the Lender or not.
b. The Borrower shall be liable to pay / bear all taxes including GST that may be applicable from time to time.
c. The Borrower shall at all times adhere to the terms and conditions set out in this Agreement and any amendments hereto.
d. The Lender shall have the right to appropriate the amounts paid by the Borrower in such manner, as the Lender may, in its sole
discretion deem fit and appropriate.
e. The Lender shall at any time, at its absolute discretion have the right to combine or consolidate or divide any of the accounts of
the Borrower with the Lender and/or set-off or transfer or appropriate any sum(s) standing to the credit of any of such accounts
in or towards part or full satisfaction of the liabilities of the Borrower on any other account or in any respect
f. Without prejudice to any rights of the Lender, the Lender shall have a paramount lien and right of set-off against all monies of
the Borrower standing to the credit of the Borrower, in any account(s) of the Borrower with the Lender or its group companies /
associate concerns and the Borrower authorizes the Lender to debit the account(s) of the Borrower with the Lender and / or
request the group companies / associate concerns for payment of the money standing to the credit of the Borrower, to and in
favour of the Lender, to apply to any debit balance which the Borrower is liable to repay on any account of the Borrower, for any
other account with the Lender/group companies / associates in satisfaction of any sum, whether for principal or interest or
otherwise due and payable by the Borrower to the Lender under this Agreement. The Borrower hereby agrees to pay to the Lender
the outstanding amount, if any, in the loan account even after the credit of the amount from other accounts / the group
companies / concerns.
g. Nothing contained herein shall prejudice or adversely affect any general or special lien or right to set-off to which the Lender is
or may by law or otherwise be entitled, or any rights or remedies of the Lender.
h. It is hereby accepted by the Parties that the amounts stated by the Lender as due from the Borrower, shall be final and
conclusive proof of the correctness of any sum claimed by the Lender to be due from the Borrower in respect of this Agreement,
a statement of account made out from the books of the Lender, without production of any voucher, documents or other papers
whether in support thereof or otherwise and the Parties hereby agree that the same shall not be disputed by the Borrower, other
than for any manifest errors therein.
i. The right of the Lender to recover the dues from the Borrower shall be exercised or by their authorized representatives, or any
collection agency appointed for the purpose, and the Borrower hereby agrees to the same.
j. The Lender shall be entitled to assign to / securitize its receivables from the Borrower and the Borrower hereby consent to the
Lender exercising such right.
k. The Borrower shall during business hours permit the Lender to inspect the place of business / residence of the Borrower and also
agrees to produce any documents / additional documents as may be required by the Lender from time to time. Further, the
Borrower hereby agrees to permit the Lender, LiquiLoans and its authorized representatives to contact / meet the Borrower at
their place of residence and / or employment and / or any other place for collection of dues under this Agreement.
l. The Borrower agrees to pay all the applicable charges as per schedule together with all taxes as may be applicable from time to
time.
m. The Borrower hereby agrees that the Borrower may seek any further loan facility from the Lender and any such further loan
granted by the Lender to the Borrower shall be repaid by the Borrower on terms that may be communicated by the Lender to the
Borrower from time to time. For this purposes, the Parties hereby agree that any confirmation for further loan facility as
confirmed and accepted by the Borrower over the phone is binding on the Borrower and that the Borrower agrees to repay such
loans granted based on oral confirmation (voice call), together with interest, in such instalments as may be communicated by the
Lender.
n. Interest and all other charges shall accrue from day to day and shall be computed on the basis of the actual number of days
elapsed / actual number of days in a year.
o. The rights and benefits available to the Lender in terms of this Agreement, whether against the Borrower or otherwise, shall
equally be available to LiquiLoans.

5. REPAYMENT OF LOAN
 a. The Borrower agrees to pay the EMI for the repayment of the Loan and interest, as per the Repayment Schedule, and shall also
be liable to pay any and all overdue interest arising out of the default in repayment of instalments, any other charges such as
pre-payment charges, fees, etc., as per the Loan Key Fact Statement (KFS), together with GST and all other statutory taxes and
levies as may be applicable from time to time.
b. The Borrower hereby confirms that it has perused and understood that the interest is applied on the principal on a daily basis,
and agreed to the method of computation of the EMI amount and the rate of interest as stipulated in the Loan Key Fact
Statement (KFS).
c. The EMI amount shall automatically change upon change in any rates, taxes, charges, imposts, levies and monies whatsoever
that are or may be levied on the EMI amount or the transaction contemplated hereunder or may become payable by the Borrower
by virtue of this Agreement. Such change in the EMI amount as stated above shall be effected only prospectively and the same
shall automatically form part of the Loan.
d. The Borrower hereby confirms to have provided details of the bank account of the Borrower where all the receipts / receivables /
income of the Borrower is being credited, and also confirms that he shall issue binding irrevocable instructions to the said bank to
debit the EMI account periodically that are due to the Lender. The Borrower covenants to maintain sufficient balance in the
account to enable the facilitation of debit of such amounts to his account.
e. The Borrower hereby confirms that it will not divert his income / inflow to any other bank account till such time the dues to the
Lender are not paid in full.
f. If the Borrower wishes to modify the payment mechanism to the Lender, the Borrower may seek the permission of the Lender,
and subject to the sole discretion of the Lender, may switch to another mode of payment towards discharge of liability, along with
all applicable charges that may be associated with the change. g. Pre-Payment of Loan:
g. Pre-Payment of Loan:
i. The Lender may accept the full pre-payment of the outstanding dues and foreclose the Loan if the Borrower has paid at
least three EMIs.
ii. The Borrower acknowledges that any pre-payment shall be subject to the pre-payment charges. The Lender shall be
entitled to recover from the Borrower the pre-payment charges and / or any other amount on the amount of the Loan
repaid by the Borrower ahead of the timeline as mentioned in the Loan Key Fact Statement (KFS).
iii. The amount pre-paid shall be first used to credit the overdue interest, bank charges, legal expenses if any, arrears of
instalments, interest due up to date for the current month, the current month EMI, foreclosure / pre-payment charges
and other expenses and taxes due as mentioned in this Agreement. If any amount remains unadjusted after meeting the
aforesaid charges / amounts, then it shall be adjusted towards the outstanding principal amount. If the entire amount
due for prepayment is not remitted then the amount so received by the Lender would be treated as an advance payment
of future EMI and will be adjusted to EMI month on month, as and when the EMI falls due for payment. The Borrower
hereby agrees that the Lender is not obliged to reverse the interest that may accrue on account of advance payment. The
amount due under foreclosure should be paid in full by the Borrower to the Lender to qualify the account for foreclosure.
iv. The Borrower undertakes to deliver to the Lender, post-dated cheques (PDCs) or ENACH or NACH or any other instrument
acceptable to Lender towards his payment obligations. The Borrower confirms that the aforesaid instruments are issued
towards repayment of the EMI amounts, and the delivery of the such instruments to the Lender shall be deemed to be an
unconditional and irrevocable authority given by the Borrower to the Lender to present such instrument for repayment
on their respective due date(s). The Borrower confirms that such instrument shall be honoured on its first presentation
and the Borrower shall not issue any contrary instructions to the relevant bank.
v. The Borrower confirms that none of such instrument is a security, and shall not be treated as such in the event of any
dispute.

h. Any dispute or difference of any nature whatsoever shall not entitle the Borrower to withhold or delay payment of any EMI
amount or other sum.

6. FEES, COSTS and EXPENSES

a. The Borrower hereby agrees to pay the Lender the Fees in the quantum and manner set out in the Loan Key Fact Statement
(KFS) to this Agreement. The Borrower hereby authorises the Lender to deduct these amounts together with applicable taxes
 from the Loan Amount and to pay to the Borrower only the balance amount. The Borrower hereby confirms that irrespective of
deduction of such fees, the Borrower’s obligation to repay to the Lender shall be of the entire Loan Amount along with interest
and other charges, together with applicable taxes in terms of this Agreement. The fees paid to / deducted by the Lender is non-
refundable / non-adjustable.
b. The Borrower shall also pay all third party costs and expenses on an actual basis, including legal expenses, incurred in
connection with the processing, negotiation, documentation and placement of the Loan, whether or not the disbursement
occurs. In addition, the Borrower shall also be responsible for all charges including stamp duty charges as well as any and all
registration charges in relation to execution and delivery of the transaction documents. The Borrower shall pay all costs, charges
and expenses incurred by the Lender, including travelling and other allowances of its officers, on solicitors/ advocates/ company
secretaries employed by them, for protection and preservation of rights/remedies arising out of the transaction documents.
c. The Lender and the Borrower hereby explicitly agree and covenant to make payment of the fees, cost, charges and expenses
that has been / will be specified by LiquiLoans as payable to it by them, in respect of the Loan. The Borrower and the Lender
hereby authorise LiquiLoans to deduct these amounts together with applicable taxes from the amount payable to the respective
Party from and out of the funds collected by LiquiLoans from the other corresponding Party and to pay only the balance amount.

7. SECURITY: The Loan is unsecured and no security has been provided by the Borrower to the Lender to secure his repayment /
payment obligations in terms of this Agreement.

8. EVENTS OF DEFAULT AND CONSEQUENCES:

a. The following shall amount to an Event of Default:

i. Non-compliance / breach by the Borrower of any of the terms and conditions of this Agreement or any other document
entered into in respect of this Loan or any other financial assistance availed of by the Borrower from the Lender;
ii. Non adherence to the Repayment Schedule as per the Loan Key Fact Statement (KFS);
iii. Any filing for insolvency, bankruptcy, winding up, dissolution of the Borrower or inability of the Borrower to repay his debts;
iv. Concealment of any material document, information or event by the Borrower;
v. Submission of any forged document or any misrepresentation by the Borrower;
vi. Any other event which in the sole opinion of the Lender would endanger the repayment of the Loan.

b. If there is an Event of Default, the following consequences may be applicable to the Borrower, at the discretion of the Lender,
notwithstanding any and all remedies that the Lender may have in law:

i. The Lender shall have the right to recall the entire Loan together with interest for the entire period, the overdue interest
arising on account of default and other charges, as mentioned in the Loan Key Fact Statement (KFS) hereunder and the same
shall accordingly become immediately due and payable.
ii. Lender shall be entitled to proceed against and take any action against the Borrower in order to realize the amounts due and
payable by the Borrower, whether with or without intervention of the Courts.
iii. The Lender shall be entitled to initiate criminal proceeding or any other appropriate actions against the Borrower if at any
time the Lender at its sole discretion has sufficient grounds to believe that the Borrower has made any misrepresentations
and / or submitted any forged documents or fabricated data.
iv. All rights and powers conferred on the Lender under this Agreement shall be in addition and supplemental to any rights the
Lender has as a creditor against the Borrower under any law for the time being in force and shall not be in derogation thereof.

9. REPRESENTATIONS OF THE BORROWER

a. The Borrower represents and warrants that:

 i. the execution, delivery and performance of this Agreement are within his powers, do not contravene any contract binding on
or affecting his or any of his properties, do not violate any applicable law or regulation;
ii. this Agreement is valid and binding upon the Borrower;
iii. there is no pending or threatened action which may materially adversely affect the validity or enforceability of this
Agreement;
iv. all information provided by the Borrower to the Lender under or with respect to this Agreement is correct and true and is not
misleading in any respect.
v. The Borrower hereby confirms that the funds will be utilized only for the Purpose as stated in Schedule 1 and the Borrower
shall not utilise the Loan for any other or any illegal purpose.
vi. The execution and performance of this Agreement by the Borrower constitutes, and the exercise by the Borrower of his rights
and performance of his obligations hereunder shall constitute private and commercial acts done and performed for private
and commercial purposes.

b. The Borrower will not seek to claim or recover from the Lender, on any grounds whatsoever and/or in any circumstances
whatsoever (whether now or hereafter existing), any purported damages or compensation, direct, indirect or consequential, for
any acts or actions whatsoever of the Lender hereunder and/or in respect of the Loan, taken or omitted by the Lender in terms
hereof and/or pursuant hereto and/or to protect any of its interests and rights as the lender or a creditor or a service provider, and
the Borrower hereby expressly waives any right to seek or make any such claim or recovery on any grounds whatsoever.

c. The Borrower hereby accepts and confirms that it has no objection to the Lender administering the Loan through third parties.
The Borrower confirms that the Lender may, either partly or in full delegate such of those activities to any third party as it may
think fit in the circumstances. Such delegation of work, would include the right and authority to collect the outstanding amount
on behalf of the Lender, the dues and unpaid instalments and other amount due from the Borrower and to perform and execute
all lawful acts, deeds and matters and things connected therewith and incidental thereto including sending notices to the
Borrower, receiving cash against issue of the receipt, cheques and drafts. For the purpose aforesaid as also for any other
purposes, at the sole discretion of the Lender, the Lender shall be entitled to disclose to the third party the details of the
Borrower, the Loan, the outstanding amount and any other information for effectively discharging the work assigned to the third
party and the Borrower hereby consents to such disclosure by the Lender. Notwithstanding any such delegation by the Lender,
the Lender shall not be responsible and / or liable for any unlawful acts, deeds, matters and things done by such third parties.

d. The Borrower shall bear all costs and other expenses incurred in relation to the Loan and in complying with the terms and
conditions in respect thereof, including any and all costs incurred in connection with this Agreement.

e. The Borrower hereby confirms his liability and shall reimburse / pay any tax that the Lender may have to pay to the Government,
in respect of the Loan.

f. The Borrower hereby authorises the Lender, at the cost and risk of the Borrower, to engage one or more person(s) / agencies to
verify any fact or information furnished by, concerning and pertaining to the Borrower and collect the outstanding amount and
may furnish to such person/s such documents, information, facts and figures as it may deem fit.

g. Any claim, demands, actions, costs, expenses and liabilities incurred or suffered by the Lender by reason of non-payment or
insufficient payment of stamp duty on this Agreement and any documents and other writings which may be executed by the
Borrower pursuant to or in relation to the Loan, will be to the cost of the Borrower.

h. The Borrower hereby unconditionally and irrevocably agrees to pay to the Lender a sum as specified in the Loan Key Fact
Statement (KFS) as Break Fee towards cancellation of the Loan, if the Loan is not availed or if the request for Loan is withdrawn,
after execution of this Agreement. This would be in addition to the cost of stamp duty, registration charges and other expenses
that may have been incurred in respect thereof. The said charges shall be paid by the Borrower together with all applicable taxes.
10. INDEMNIFICATION:
 a. The Borrower shall indemnify and hold the Lender and its directors, officers, employees, agents and advisers harmless against
losses, claims, liabilities, or damages which are sustained as a result of any acts, errors, or omissions of the Borrower, its agents, or
assignees, or for improper performance or non performance relating to the Loan, this Agreement or any other document
executed in pursuance to this Agreement.

b. The Borrower hereby agrees to indemnify the Lender and its officers, representatives and agents against any loss or expenses
sustained or incurred by them as a result of:

i. the Borrower failing to take necessary action to protect the Lender interests;
ii. default on the part of the Borrower in complying with the provisions of any transaction document/s;
iii. the occurrence of any Event of Default;
iv. Any delay in payment of any sums payable or reimbursable by the Borrower under or pursuant to any transaction
document/s;
v. Levy by any Government authority of any charge, tax, penalty or any other amount in connection with regularizing or
perfecting any of the transaction document/s as may be required under law at any time during the currency of the Loan, or
getting any of the transaction document/s admitted into evidence, or relying on any transaction document for proving any
claim;
vi. the exercise of any of the rights by the Lender under any transaction document

11. ASSIGNMENT

a. It is expressly agreed that the Borrower shall not be entitled to assign, either directly or indirectly, the rights and obligations set
out herein.

b. The Lender shall be entitled to assign its rights and obligations under this Agreement in part or in full to any third party. The
Lender shall at any time, without any reference to the Borrower, be entitled to securitize, sell, assign, discount or transfer all or
any of the Lender’s rights and obligations under this Agreement to any person(s) of the choice of the Lender, in whole or in part
and in such manner as the Lender may decide. Any such sale, assignment or transfer shall bind the Borrower conclusively.

12. TERM AND TERMINATION

a. This Agreement shall become effective on execution and shall stand terminated on the date the Borrower has repaid the Loan in
full along with interest, default interest, bank charges and any other costs, charges and expenses as mentioned herein, and
fulfilled all other obligations under the Agreement to the satisfaction of the Lender.

b. The Borrower does not have the right to terminate this Agreement in any situation except with the written consent of the Lender,
by repaying the entire amounts due under this Agreement.

13. GOVERNING LAW AND JURISDICTION

This Agreement shall be governed and construed in accordance with the substantive laws of India and the Parties hereto submit to
the exclusive jurisdiction of the Courts situated at Mumbai. The Parties irrevocably waive any objection now or in future, to the laying
of the venue of any proceedings in the courts and tribunals at Mumbai. Nothing contained in this Clause 13 shall limit any right of
the Lender to take proceedings in any other court or tribunal of competent jurisdiction, nor shall the taking of proceedings in one or
more jurisdictions preclude the taking of proceedings in any other jurisdiction whether concurrently or not and the Parties
irrevocably submit to and accept for themselves and in respect of their property, generally and unconditionally, the jurisdiction of
such court or tribunal, and the Parties irrevocably waive any objection they may have now or in the future to the laying of the venue
of any proceedings and any claim that any such proceedings have been brought in an inconvenient forum.
14. WAIVER

The Lender’s failure to exercise or delay in exercising any right, power, privilege or remedy under the Agreement will not operate as a
waiver or acquiescence, nor will any single or partial exercise of any right, power, privilege or remedy prevent any further or exercise
of any other right, power, privilege or remedy.

15. SEVERABILITY

If any provision in this Agreement shall be found or be held to be invalid or unenforceable, then the meaning of said provision shall
be construed, to the extent feasible, so as to render the provision enforceable, and, if no feasible interpretation would save such
provision, it shall be severed from the remainder of this Agreement and in such an event, the Parties shall use best efforts to
negotiate, in good faith, a substitute, valid and enforceable provision or agreement, which most nearly reflects the Parties’ intent in
entering into this Agreement.

16. DISCLOSURE OF INFORMATION

a. The Borrower accepts, confirms and consents for the disclosure and sharing by the Lender of all or any information and data
relating to the Borrower, the facilities, any other transactions that the Borrower has with the Lender, the Borrower’s account, and
the agreements and documents related to the Loans and transactions, including but not limited to information relating to default,
if any, committed by the Borrower, in the discharge of the Borrower’s obligations in relation to the Loan or other transactions, as
the Lender may deem appropriate and necessary to disclose and furnish, to the Reserve Bank of India (“RBI”) and/or credit
information companies and/or to any other agency or body, to other lender including assignees and potential assignees, to its
professional advisers, consultants and service providers engaged by it in relation to the Loan, to the acquaintances of the
Borrower and/or as required under law or any applicable regulation, or at the order or at the request of a court of law, any
statutory, regulatory or supervisory authority.

b. The Borrower undertakes and covenants that it shall provide all information, including information regarding other credit
facilities enjoyed by the Borrower, as and when required by the Lender . The Borrower declares that the information furnished to
the Lender from time to time is and shall be true and correct.

c. The Borrower hereby further agrees that in case the Borrower fails to pay the dues herein or commits default in the repayment of
the Loan instalment(s) or interest thereon on due date(s), or the account of the Borrower becomes non-performing assets as per
the RBI’s norms, the Lender will be at liberty to disclose or publish in print and / or electronic media the photograph(s), name(s)
and address(es) of the Borrower as wilful defaulter along with the details of outstanding dues payable.

d. The Borrower accepts that the RBI or the credit information companies and / or any other agency so authorized, or any statutory,
regulatory or supervisory authority or other lender / potential lender, may use, process and disseminate the said information and
data disclosed by the Lender in such manner as deemed fit by them and the Borrower shall not hold the Lender responsible or
liable in this regard.

e. The Lender may disclose to the Borrower all such information relating to the Loan, as may be reasonably requested by it, in
accordance with the applicable laws.

f. The Borrower authorizes the Lender to disclose, from time to time any information relating to the Loans to any parent / subsidiary
/ affiliates / associate entity of the Lender, and to third parties engaged by the Lender, for the purpose of marketing of services
and products.

17. NOTICES

a. Every notice, request, demand or other communication under this Agreement shall:
 i. be in writing, delivered by hand, or by registered post / speed post, acknowledgement due, or by courier or any other mode as
decided by the Lender;
ii. be deemed to have been received by the Borrower when delivered by hand, at the time so delivered, and if given by registered
post acknowledgement due, 72 hours after it has been put into post; and
iii. be sent to the Borrower to the address mentioned in Schedule 1 hereto or to such other address as either Party may in writing
hereafter notify to the other Party.

b. The Lender may (but not be obliged to) call the Borrower to pay any dues that is outstanding. The Borrower hereby specifically
authorizes the Lender to make such calls or send SMS or emails, and further acknowledges that the same shall not be considered
as unsolicited calls / SMS / emails.

c. The Borrower hereby agrees to pay the postal and other charges as mentioned in Schedule 1 here to for each of the notices being
sent to him / them.

d. The Borrower has read the entire Agreement, including the Loan details and the terms of repayment, the fees, costs, charges and
expenses payable as clearly enumerated in the Loan Key Fact Statement (KFS) and Schedule to this Agreement or as
communicated separately to the Borrower. The Borrower further confirms that the entire Agreement is filled in their presence
and that the contents provided herein is explained in the language understood by the Borrower. The Borrower further confirms
having executed the Agreement and agrees to remit the dues in terms of the Loan Key Fact Statement (KFS) hereunder.

18. RELATIONSHIP: Each Party hereto is an independent party and nothing contained herein shall be construed to be inconsistent with
this relationship or status. Nothing in this Agreement shall be in any way construed to constitute either Party as the agent, employee
or representative of the other or constitute a partnership between the Parties and no Party shall have any authority to bind the other
Party otherwise than under this Agreement.

19. AUTHORIZATION: The persons signing this Agreement on behalf of the Parties represent and covenant that they have the
requisite authority to so sign and execute this Agreement on behalf of the Parties for whom they are signing.

20. HEADINGS: The headings of various articles and clauses herein are inserted for convenience of reference and are not deemed to
affect the construction thereof.

21. SPECIFIC PERFORMANCE: The Parties agree that damages may not be an adequate remedy and the Parties shall be entitled to
seek an injunction, restraining order, right for recovery, suit for specific performance or such other equitable relief as a court of
competent jurisdiction may deem necessary or appropriate to restrain the other Parties from committing any violation or enforce the
performance of the covenants and obligations contained in this Agreement. These injunctive remedies are cumulative and are in
addition to any other rights and remedies the Parties may have at law or in equity.

22. VARIATION: No variation of this Agreement shall be valid unless it is in writing (which, for this purpose, also includes through email)
and signed by or on behalf of each of the Parties. The expression ‘variation’ includes any variation, amendments, supplement,
deletion or replacement however effected. In case of any variation through email, the variation shall be deemed to have been
accepted by the Borrower if so communicated by the email-id provided by the Borrower for availing the Loan.

23. ENTIRE AGREEMENT: This Agreement, together with the documents executed / exchanged by the Parties in relation to the Loan,
supersede all prior discussions and agreements (whether oral or written, including all correspondence) between the Parties with
respect to, or in relation to the Loan, and this Agreement, along with the Schedules hereto, together with the documents executed /
exchanged by the Parties in relation to the Loan, contains the sole and entire agreement between the Parties with respect to the
Loan.
Signed, Sealed and Delivered on behalf of the within named Lender

Name: NDX P2P Pvt. Ltd. (Liquiloans) Date: 24-11-2023

Signed, Sealed and Delivered on behalf of the within named Borrower

Name: GOPAL PANDIMUKKULA Date: 24-11-2023

SCHEDULE 1

DESCRIPTION OF THE BORROWER

Description Particulars
Name GOPAL PANDIMUKKULA
Co applicant name NA
Aadhar Number NA
PAN Number HUQPP7909Q
Mobile Number +919959318383
Alternate Mobile Number NA
Email Address [email protected]
Residential Address S O Pandimukla Laxminarayana 3 44 shivampet mandalam 5th ward Medak
Gomaram
Office Address NA
Nature of activities Associate Snap Audit
engaged in
Particulars for Notice Name of Contact Person: GOPAL PANDIMUKKULA
Address: S O Pandimukla Laxminarayana 3 44 shivampet mandalam 5th ward
Medak Gomaram
Email: [email protected]
Details of the Bank Account Number: 922010004038375
Account Account Name: P. GOPAL
Bank Name: -
Bank Branch: -
IFSC code: UTIB0000008
Purpose of Loan Purchase
By agreeing to initiate the process for availing the Loan through Lender, the Borrower hereby explicitly provides its consents to Lender to
access the Borrower’s credit information from the relevant agencies / authorities.

SCHEDULE 2

DEMAND PROMISSORY NOTE

Place: Medak Date: 24-11-2023

ON DEMAND, I, GOPAL PANDIMUKKULA an adult resident of S O Pandimukla Laxminarayana 3 44 shivampet mandalam 5th ward
Medak Gomaram (“Borrower”), hereby unconditionally promise, on demand, to pay to NDX P2P Pvt. Ltd. (Liquiloans) (“Lender”) (in
terms of the Loan Agreement dated 24-11-2023 executed amongst us (“Loan Agreement”) or its order or assigns, notwithstanding non-
presentment, the sum of Rs. 1000 /- (One Thousand Rupees only), along with interest thereon at the rate of 26.51 % per annum, and all
other interest, default interest, additional interest, liquidated interest, costs, charges and expenses or other obligations payable in terms
of the Loan Agreement, till the date of payment in full, for value had and received.

Presentation, noting and protest are hereby unconditionally waived. Capitalized terms not defined herein shall have the meaning set
forth in the Loan Agreement.

Name: GOPAL PANDIMUKKULA (borrower)

stamp Re. 1

PERSONAL LOAN APPLICATION FORM

LOAN ID: 6821750 Applied Loan Amount: 1000

1. Personal Details
Name GOPAL PANDIMUKKULA
Date Of Birth 6-6-1986
Marital Status -
Gender MALE
PAN Number HUQPP7909Q
Aadhar Number NA
Net Monthly income 40676

2. Contact Details
Residence is: Owned Rented Co provided Residence since
House No. & Bldg. Name S O Pandimukla Laxminarayana 3 44 shivampet mandalam 5th ward
Medak Gomaram
City Medak
 Street Name S O Pandimukla Laxminarayana 3 44 shivampet mandalam 5th ward
Medak Gomaram
State Telangana
Locality Medak
Pin Code 502313
Email Id [email protected]
Mobile # +919959318383

3. Employment / Business
Details:
Name of the company Croma - Infiniti Retail Ltd
Designation Associate Snap Audit
Office Address NA
Area NA
City NA
Locality NA
State NA
Landmark NA
Pin Code NA

4. Co Applicants Details:
Net monthly income NA

5. Bank Details:
Account Number 922010004038375
Bank Name -
Account Type Savings
IFSC Code UTIB0000008
Branch Address -
UNDERTAKING / DECLARATION

1. I/We here by apply for a finance facility through Lender as stated in this Application Form.

2. I/We declare that all the particulars, information and details provided in this application form and the documents submitted by me/us
are true, correct, complete and up-to-date in all respects and that I / we have not withheld any material information.

3. I / We have read and understood the fees and charges applicable to the finance facility (ies) that I / we may avail through Lender
from time to time.

4. I / We confirm that I / we are competent to contract and that no insolvency proceedings or suits for recovery of outstanding dues,
monies or property (ies) and / or any criminal proceedings have been initiated and / or are pending against me.

5. I / We declare that I / We have not received any request for or made any payment in cash, bearers’ cheques or of any other kind in
connection with this application form from / to any person.

6. I / We hereby authorize Lender to exchange or share information and details relating to my application to its group companies or any
third party, as may be required or deemed fit, for the purpose of processing this loan application and / or related offerings or other
products / services that I / We may apply for from time to time.

7. By agreeing to initiate the process for availing the loan through Lender, I / we hereby explicitly provide my / our consent to Lender to
access my / our credit information from the relevant agencies / authorities.

8. I / We hereby consent to and authorize Lender to increase or decrease the credit limit assigned to me from time to time. I / We will
not raise any objection or dispute with regard to the same at any point of time.

9. The borrower understands and agrees to limit his obligations to a maximum of INR 10 lakhs across all peer to peer platforms within
India.

10. I/We have not availed any loans through any other peer to peer lending platforms and any such loans will be availed with the prior
written consent of the Lender.

11. I / We understand that my Lender account login credentials including login and transaction password issued by Lender from time to
time, constitutes confidential information and I/We agree to keep the same secure and confidential to prevent any unauthorized use
/ misuse.

12. By submitting this application, I / We hereby expressly authorize Lender to send me communications regarding loans, insurance and
other products from Lender, its group companies and / or third parties through telephone calls / SMSs / emails / post etc. including
but not limited to promotional communications. I / We confirm that receipt of such communications shall not be treated by me / us
as unsolicited communication, defined under TRAI Regulations on Unsolicited Commercial Communications. I / We understand that I
/ We can at any time opt not to receive any such telecommunication by registering under the Do Not Call Registry.

13. I / We understand and acknowledge that Lender has the absolute discretion, without assigning any reasons to reject my application
and that Lender is not answerable / liable to me, in any manner whatsoever, for rejecting my application.

14. I hereby consent and authorize Lender to send me notifications and updates regarding my loan using Whatsapp.

15. That loan processing and disbursement will take at least 7 working days post submission of all requisite documents and information
as may be required by the Lender as per lender’s criteria.

16. I/We acknowledge and confirm that the Loans may be disbursed into the bank account of a third party as per the instructions
provided by me/us in the disbursement request.
17. That lender / Lender shall have the right to make disclosure of any information relating to me/us including personal information,
details in relation to loans, defaults, etc. to the credit information companies / TransUnion CIBIL Limited (CIBIL) and/or any other
governmental/regulatory/statutory or private agency / entity, credit bureau, RBI, the lender’s / Lender’s other branches/ subsidiaries /
affiliates / rating agencies, service providers, other banks / financial institutions, any third parties, any assigns/potential assignees or
transferees, who may need, process and publish the information in such manner and through such medium as it may be deemed
necessary by the publisher/ lender/ RBI/ Lender, including publishing the name as part of willful defaulter's list from time to time, as
also use for KYC information verification, credit risk analysis, or for other related purposes.

18. That I / We have not taken any loan / credit from any other bank/ finance company unless otherwise specifically declared by me/ us.

19. That there is no impediment or restriction (whether legal or judicial) against me/ us and/or our asset filed/ reported by any other bank
/ financer/ lender.

20. That the funds shall be used for the purpose for which loan has been applied and will not be used for speculative or any illegal
purpose.

21. In case of default in payment of any scheduled EMI, I/We will have to pay a flat fee of Rs. 650 along with a charge of 36% per annum
(excluding GST) on amount outstanding from the date of default.

22. In case of default in payment, Lender reserves the right to demand the repayment of the full outstanding amount.

23. I / We, hereby confirm that I / We have contacted Lender for my requirement of consumer loan and no representative has
emphasized me directly / indirectly to take the loan.

24. I confirm the receipt of copy of the terms and conditions governing this Loan, have read and understood the same and agree to be
bound by it.

25. I understand that Lender has been authorized by the lender of the Loan to undertake various activities with respect to this loan,
including but not limiting to executing various documents in respect thereof.

26. I understand that Lender in no way takes warranty of services of its service provider and I was not referred to the service provider by
Lender. I am expected to resolve my dispute, if any with the service provider independently and approach them for refunds/
cancellations without hampering the EMI repayments of Lender.

27. The borrower can connect to the customer grievance officer of Lender at [email protected] in case of any questions
regarding the loan or this agreement.

28. We acknowledge the receipt of your loan application for a loan through Lender. Please write to us at the given mail id for your
queries and suggestions: [email protected]

Name of Regulated Entity: NDX P2P Pvt Ltd (LiquiLoans).

LOAN KEY FACT STATEMENT (KFS)

Sr. No. Parameter Details

(i) Total Loan Amount (amount INR 1000
disbursed to the Borrower) (in
INR)
(ii) Total interest charge during INR 0
the entire tenure of the Loan
(Interest to be paid as a part of
EMIs) (in INR)
(iii) Other up-front charges, if any
(break-up of each component
to be given below) (in INR)
(a) Processing fees (in INR) INR 18.88
(b) Insurance charges (in NA
Rupees)
(c) Broken Period Interest (BPI) NA
(in INR)
(d) Documentation Charges(in INR 0
Rupees)
(e) Others (if any) (in Rupees) INR 0
(iv) Net disbursed amount ((i)-(iii)) INR 981.12
(in INR)
(v) Total amount to be paid by the 1000
borrower (sum of (i), (ii), and
(iii)) (in INR)
(vi) Annual Percentage Rate (APR) 26.51 %
- Effective annualized interest
rate (in percentage) (computed
on net disbursed amount using
IRR approach and reducing
balance method)
(vii) Tenure of the Loan (in 1 month
months/days)
(viii) Repayment frequency by the Monthly
borrower
(ix) Number of installments of 1
repayment
(x) Amount of each installment of 1000
repayment (in INR)
Details about Contigent
Charges
(xi) Prepayment Charges (if any) 3% of the principal amount of the loan outstanding as on the date of
such full or part- prepayment if pre-payment is made within 12
months of the first EMI date. If pre-payment is made after 12
months of the first EMI date, charges shall be 2% of the principal
amount of the loan outstanding as on the date of such full or part
prepayment
(xii) Rate of annualized penal 36% interest per annum
charges in case of delayed
payments (if any)
(xiii) Other penal charges (if any); 0
(details to be provided)
(xiv) NACH registration failure NA
charges (in INR) (if any)
 (xv) NACH/e-mandate bounce NA
charges (in INR) (if any)
(xvi) SOA charges, if applicable (in NA
INR)
Other disclosures
(xvii) Cooling off/look-up period 3 days
during which borrower shall
not be charged any penalty on
prepayment of loan
(xviii) Details of Lending Service Zeo Fin Technology Private Limited (“LSP”)
Provider (LSP) acting as
recovery agent and authorized
to approach the Borrower
(xix) Name, designation, address For Zeo Fin Technology Private Limited (“LSP”)
and phone number of nodal Nodal Grievance Redressal Officer of LSP:
grievance redressal officer Name: Rajat Solanki
designated specifically, to deal Contact: +91-9820079068
with FinTech/ Digital Lending Email ID: [email protected]
Related Complaints/ Issues Address: C Wing, Trade World, Unit No 603 and 604, 6th Floor,
Lower Parel, Mumbai, Maharashtra - 400013

For NDX P2P Private Limited (LiquiLoans)

Nodal grievance redressal officer of LiquiLoans:
Name: Mr. V. Balamurugan
Contact: +91-02247779519
Email ID: [email protected]
Address: 2nd Floor, Office No. 203 & 204, Mittal Commercial, Saki
Naka, Off Andheri Kurla Road, Andheri (East), Mumbai – 400059
Grievances portal: https://www.liquiloans.com/customer-
grievances-redressal-mechanism
 Instalment No Repayment Date Outstanding Principal ( ) Principal ( ) EMI Fees ( ) Instalment ( )
1 20-12-2023 0 1000 0 1000
Total Repayable 1000 0 1000

Regd. Office of the Lender: 2nd Floor, Office No. 203 & 204, Mittal Commercial, Saki Naka, Off Andheri Kurla Road, Andheri (East), Mumbai – 400059
Website: www.liquiloans.com

Agreement is digitally signed by : GOPAL PANDIMUKKULA from : 157.47.40.10 Date:24-11-2023 Time: 7:59:14