UCO BANK. RLM HYDERABAD, Rot No. Customer Id No:94749312021.2022 To i: KAMBHAMPATI VENKATA SAIDUTT & Mr, KAMBHAMPATI RAMAKRISHNA ars. KAMBHAMPATI SEETHALAKSHNt SIO RAMAKRISHNA VAISHNAVI ENCLAVE, 136PLOT ROAD NO4 KUSHAIGUDA Hyderabad Telangana, Pn - 800062 Date : 1710772021 Doar SiiMaam, Re: Sanction of Credit Faelity Under UCO Education Scheme We are pleased lo inform that your application dated 08/06/2021 for sanctioning term loan under UCO Ecucaton Scheme has been favourably consiered by us and we have sanctioned the falling cad iit in Nature of fatty Sanetioned timit (Rs) [Term Loan 25,00,000.09 [rotat 25,00,000.09) ‘The above limit has been sanctioned subject to flilment ofthe detailed terms and conditions (standerd 8 special covenants) as contained in Annexure: ‘ease retain the original ofthis eter and return tous the otter copy duly "accepted and signed by you in {oxen of your acknowledging and confirming the unconditional acceptance of all terms ang conditions stipulated eroin, sone) Encl As stated above __ Scanned with CamScannerANNEXURE - | ‘TERMS & CONDITIONS. Name of the Asset Disbursing Branch & ID No ‘Name of the Borrower's Father's Namo Go-Applicant Father's Name Co-Applicant Husband's Name Guardian's Name Residential Address Purpose of Loan Nature of Facility Limit Sanctioned Rate of interest al Floating Penal interest Moratorium Period Repayment Period for Term Loan Equated Monthly Installment Mode of Repayment Margin (offered) Processing Charge Security a Primary Security MALKAJGIRI81670 Mr, KAMBHAMPATI VENKATA SAI DUTT KAMBHAMPATI RAMAKRISHNA Mr.KAMBHAMPATI RAMAKRISHNA K SATHYANARAYAN MURTHY Mrs, KAMBHAMPATI SEETHALAKSHMI KAMBHAMPATI SITALAKSHMI ‘SO RAMAKRISHNA VAISHNAVI ENCLAVE, Post Office:KUSHAIGUDA,Hyderabad,State :Telangana,Pin No :500062 TO PURSUE M SC IN CPM WITH BIM ADVANCED PRACTISE Term Loan Rs, 25,00,000.00 @ UCO FLOAT RATE WEF 27052020 6.9% + 2.40 presently 9.3 % per annum with monthly rest and is subject to change that may be made by Bank from lime to time at its sole discretion. In case of delay in payment of EMI by one month or ‘more, penal interest @% p.a. shall be charged on the amount of default for the overdue period, i.e with effect from the due date, 33 months, To be repayable in 180 equated monthly installments to commence within one month after completion of moratorium period, if any, or 6 months after geting job whichever is earlier. Rs.0.00 ECs. 44.48 % Rs. 20,03,276.00 Rs.14,800.00 NIL Scanned with CamScanner1 Security Mortgage of Immovable Properties Present Owners of the Property Mr. KFRAMAKRISHNA AND K SEETHA LAKSHMI Description of the Property RESIDENTIAL HOUSE Property Adgress 41-11-1/180,VAISHNAVI ENCLAVE,Ward -KAPRA VILLAGE Post Office -KAPRA TS,Pin -500062 Property Schedule Year of Purchase - 2018 Deed no - 2504/2018,800k - Volume - Page - Registry Office - KAPRA Police Station - KAPRA, Mouza - 18070187, 188P,189P,169P ‘LNG. , Khatian - , Dag/Plot - 136P AND 137° Land Area - 2280.64 29.4. Bultup Arca - 2280.64 sq. Present Value of the Property s.94,00,000,00 "Nature of Morigage to be created in favour of the Bank Equitable Mortgage Proposed Education Loan Disbursement Schedule Year Total Expenses | Family & other sources Bank Loan Disbursement t year 22,51,638.00 10,01,838.00 12,60,000.00 l2 year 22,51,638.00 10,01,638.00 12,50,000.00 Total 45,03,276.00 20,03,276.00 25,00,000.00 Other Terms and Conditior 1.1n the frst year on deposition of the original receiptimoney receipticash memo of the institutions, book seller, computer vendor, etc. aS the case may be, Bank will reimburse eligible amount to the borrower 2.0n and from second yearisecond semester disbursement will be made directly to the insttuion/ others or ‘against production of original money receipt to the borrower forthe recurring expenses. 3.Next year disbursement to be made only after student has passed the current year annualisemester examination & progress report | mark list to that effect is produced or demand is raised by School/eollege/university/institution, whichever is earlier Scanned with CamScanner4.Progress reporvmark sh 1885S reporUmark sheet ofthe student to be submited at regular intervals. 5.The loan towards air passa : \ ‘ds ir passages to go abroad will be disbursed directly to ar ne! travel agent. Ofte sudent itands to lake ert tine employment hw sould prodce create fom. the Iaiion vancared tthe act hat auch pa me element notre wih fics of te sats Fu lars about the hours of work, salary ee, should be advised to the Bank before taking such employment. 7.The student should notity th studies, Bank if he receives any scholarship or stipand during the course of his 8.Sorrower to give a stamped declaration / affidavit confirming that no Educational Loan is availed from other Bank / Institutions for the student for whom loan is sanctioned and shall not aval educational loan from other Bank without obtaining NOC from our Bank during the pendency of our educational loan. 49,Simple interest will be charged during repayment holidays / moratorium petiod.The acerued interest during ‘moratorium period will be added tothe principal and EMI willbe fixed accoraingly. 10.Concession / Rebate of 1% in rate of interest forthe Interest charged during moratorium period is available to the borrower i interest is serviced within 30 days from the date of interest application. This concession / rebate is nol applicable for Education loan fincanced under UCO Super Premier Educational Loan Scheme, 11.Equated monthly instalments are fixed for the convenience of the borrower, whereby interest payable {towards the foan is spread over the entre term of repayment. The repayment of all such equated monthly installments will not be construed as full repayment /settlement of loan account. On payment of all equated ‘monthly instaliments, residual amount if any, in the account due to debiting of overdue / penal interest / ‘additonal interest a8 @ consequence of vision in interest rates, other incidental charges will have to be paid by the borrower. 12:The Bank will nave the ight to make inquires atthe college/universityinsttution where the student has enrolled 43:The Bank reserves the right to modifyrevise/add any other terms and conditions as it may deer fit absolutely at its discretion, 414 The Bank reserves the rit to discontinue the facilties/advancesiioans to withhoklstop any disbursement without giving any notice, in case of non-complancebreach of any ofthe terms and conditions stipuiated herein and from time to lime as also in the relevant documents or any information/particlars furnished to us ound to be incorrect or in ease of any development or situation wherein in the opinion of the Bank its interest ts likely tobe prejudiciousy affecied by such continuation or disbursement 15.Borroner should give mandate for payment of EMis through ECS/RECSIStanding Instruction and such snandate shall remain in force til the entire loan together with interest is fully Hquidated To-This sanction is vali fr 180 days from the dato of sanction ofthe Term loan and shall be rented as cancelled ifthe loan is not availed of within this period. +7 order aval intrest subst onthe foan abject oily under various llores Subsidy Scher of He dart inate on Education Loan, Dorrower nop to submit ADHAAR AND ANIA” FAMILY PereMe CERTIFICATE Issued by competent authoriy as per guidelines of Government of Inde Scanned with CamScanner1Bif loan is sanctioned under UCO Premiere Education Loan Scheme or UCO Super Premiere Education Loan Scheme or UCO Skil Loan Scheme, then borrower is not eligible for Interest Subsidy Scheme of Government of india on Education Loan 18.Loans sanctioned upto Rs. 7.50 Lakhs under UCO Education Loan Scheme and upto Rs. 1.50 Lakhs ‘under UCO Skil Loan Scheme are covered under Credit Guarantee Fund Scheme for Education Loans (CGFSEL) and Credit Guarantee Fund Scheme for Skll Development (CGFSSD) respectively, which will provide credit guarantee coverage in case of defaull. NCGTC will provide guarentee cover ata nominal fe of 0.50% of the outstanding loan amount, which will be borne by the Bank. Consequently, all the terms and conditions of NCGTC will be applicable to these loan accounts. 20/In case you ate unable to start repayment or face dificultes to repay the oan after completing the study, your moratorium period may be extended by additional one and half years (maximum). This additional ‘moratorium period is conditional upon your unemployment / under-employment because of prevailing market conditions. The additional moratorium period will be available for six months on one occasion and itis extendable further on your request. To avail the benefit of extended moratorium period, you have to place @ request to the Branch in this regard and submit an undertaking regarding your unemployment / under- ‘employment after completing the original moratorium period. 21 It's necessary to cover the life of student borrower upto entire loan tenure under any Life Insurance Policy. 22.Branch to ensure VISA is obtained by Student before cisbursement 25 Branch to ensure EM(By obtaining all documents as specified by Empanelied Advocate), MOTD and CERSAIis done with Bank's Charge before disbursement 24.Branch to ensure Insurance of Collateral Property is done as per banks Guidelines 25,Branch to ensure disbursement is done in Phase manner as per Fee schedule directly to the institute along with borrowers margin Scanned with CamScannerrage sue septenton nese Taare aR | eee SS 5 WEIGHTED paRTICULARS APPLICABLE Borrower Characteristics - Weightage 8 Percentage of Marks estaned fom 1 able sSiaredn ac | 150% 2 8160 | Applica asia, Engineering sna Couse coivecter | 1000 | 600% 15 [Professtonat) appucabie MBA,CA, cs,tcwaa cH Collage / University eet Ranking for Stsies | 800 20.00% 16 petween S00 | APIcabIe vo s00 Section Total 2500 | _so00% 430 Transactional Characieriica -Weightage 27 Tenure of he Loan 700 | 000% 07 4775 _ | Applicabie Mage Fo aT ee tots oo | wom | a7 2284 | Applicae 27.00% 240 [Section Tow 17.00 [Gonoronercovoe -wighoae Totalnonberet years nthe Jobrousiness of the 400 eon mi ee ase Coborrower ‘Monthy Interest fo ‘Monthly Income Ratio of Co-borrower 7.00 9.00% 063 038 | Applicable Tapa feamionmestte | cm | cmon | ass | 200 eae Tao aT |S rerio aa AN eae ooooee | Tas rene a i Fan eee 100.00), [CREDIT RATING WHITE ZONE \ ee ) 5 hitpy/laps.ucobank net in:908laps/action/pemnewriskrating jsp?ShidBBeanld=perheeisk=<1 seat Scanned with CamScanner