JAGADALPUR Branch

Ref. No. UBIN0000027020 Sanction Date: 29-04-2024

Letter of Sanction

To,
M/s ANURADHA KURMI (Proprietor: Anuradha Kurmi)
SHOP NO 1, C/O PARAS KUMAR KURMI, JAWAHAR
NAGAR WARD NO 24 METGU, JAGDALPUR, BASTAR,
JAGDALPUR, BASTAR, CHHATTISGARH, 494001

Dear Sir/Madam,

SUB: Your request for Sanction of Credit facilities

With reference to your request dated through digital mode, we are pleased to inform you that we have
sanctioned the below credit facilities at our JAGADALPUR Branch to you as detailed hereunder, subject to
periodical review at the Bank's discretion.

Nature of Facility Sanctioned Limit

Term Loan 206000.0

The terms and conditions governing the Credit Facilities as mentioned above are detailed in Annexure (I). The
ANURADHA KURMI should comply with all the Government/RBI guidelines as applicable from time to time.

The duplicate of this letter may please be returned to us duly signed in token of having accepted the terms
and conditions as detailed in Annexure.

Yours faithfully,

For Union Bank of India

This is a digitally generated document. No signature is required.
Accepted the above on the terms and conditions mentioned in Annexure I

Time Stamp of E-Sign by Borrower:

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 1
Signature of Borrower

Standard Terms & Conditions for Term Loan Annexure I

1 Name of Borrower (S) ANURADHA KURMI
SHOP NO 1, C/O PARAS KUMAR KURMI, JAWAHAR NAGAR
2 Address WARD NO 24 METGU, JAGDALPUR, BASTAR, JAGDALPUR,
BASTAR, CHHATTISGARH, 494001
3 Branch JAGADALPUR
4 Regional Office Raipur
5 FGMO Bhopal
6 Date of Sanction 29-04-2024
7 Validity of Sanctions 6 Months from the Date of Sanction
8 Purpose of Loan 93002-OTH SERV. ACTIVITY - DOMESTIC, LAUNDRY ETC
9 Due Date for Review/Renewal One year from the Date of Sanction
DETAILS OF LIMITS WITH MARGIN/INTEREST/SECURITY
Approved
Sl.No Nature of Limit Amount Margin Security
Interest
Asset bought out of Bank's
1 Term Loan 206,000.00 11.00% EBLR* +1.75%
finance

*Currently EBLR is 9.25% with effective from 03-01-2024. EBLR is subject to periodic change as per Bank/RBI’s guidelines.

REPAYMENT SCHEDULE:
PARTICULARS TERMS
Facility Term Loan
Purpose of Loan 93002-OTH SERV. ACTIVITY - DOMESTIC, LAUNDRY ETC
Amount 206,000.00
Rate of Interest 11.00%
Tenure of Loan 60 Months
Moratorium Nil

Term Loan to be repaid in 60 Monthly installments of Rs.

Repayment Schedule 4498.25, commencing after 1 month of first
disbursement.

Interest Service Interest to be paid as and when due.

DETAILS OF GUARANTEES (PERSONAL) – If available
Sl.No Name of Guarantor Pan Number Address of Guarantor
399/1 Jawahar Nagar Ward No 24
1 Anuradha Kurmi DHYPK1998F
Metguda Jagdalpur

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 2
DETAILS OF CHARGES TO BE COLLECTED
Amount of charges to be
Sl No Nature of limits Type of Charges Frequency of collection
collected as per rules
1 Documentation & 1000 + GST + Actual Stamp Duty
Digital Convenience
2 Processing NIL
Term Loan One time or as applicable
3 Inspection As applicable
4 CERSAI & Other Actual or as applicable
Charges

• Out of pocket expenses shall be recovered separately

The limits are sanctioned on the following terms and conditions unless any modification/deletion is
approved by the sanctioning authority.
1. CONDITIONS PRECEDENT TO DISBURSEMENT
a. Environmental clearances
i. In case of industrial units, permission and clearances to be obtained from pollution control board.
ii. Necessary clearances to be obtained from industry department and local authorities as applicable.
b. Documentation
i. Applicable Security documents to be executed/obtained by/from the borrower and guarantors.
ii. The Borrower and the Guarantors shall furnish a consent letter to the Bank in the prescribed format
authorizing the Bank for disclosure of their names, in the event of the Borrower becoming defaulter,
to Credit Information Companies / Information Utilities like NeSL / other agencies as per CICRA / RBI /
Statutory guidelines.

c. Warranties, undertakings & guarantees to be made by the Borrower

i. Borrower to submit undertaking as per annexure -VI
ii. Statutory dues, if any, to be paid by borrower before disbursement of the loan.
iii. Declaration to be obtained from the borrower that the level of unsecured loans will be maintained at the
existing level in the business on a long term basis during the currency of the Bank’s loan.
iv. Personal Guarantees of partners/ promoters/directors/guarantors/owners of mortgaged property to be
obtained as per stipulation.

d. Creation of security interests and charge

i. Our Charge with CERSAI to be registered on immovable/movable properties as per extant CERSAI guidelines.
e. Insurance
i. The borrowers are solely responsible for obtaining adequate insurance for primary securities/collaterals, if
any, as per the Bank’s guidelines.
ii. The borrower’s assets offered as security (prime and collateral) for the facility to be kept fully insured
comprehensively for 110% of assets value. A copy of the policy to be submitted to the bank. A list of the
current insurance policies along with copies thereof to be submitted to the bank detailing therein the
names and addresses of the insurer, brief particulars of goods covered, type of cover, amount of cover and
date of expiry of each policy. Insurance policies to contain the agreed bank’s clause.
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 3
2. DRAWDOWN/DISBURSEMENT OF TERM LOAN
i. Borrower to submit satisfactory evidence viz. quotation/proforma invoice for assets to be
purchased/created with Bank finance.
ii. Borrower to demonstrate the availability and sufficiency of raw material to the satisfaction of the bank
required for smooth running of the plant
iii. The disbursement to be made along with stipulated margin by way of demand draft/pay order/RTGS/NEFT
directly to the suppliers of goods and services.
iv. The loan to be released in stages depending upon the progress of the work.
v. Sanction will be valid for 6 months only. If the term loan is not availed within 6 months, the sanction will
expire or become invalid.

3. CONDITIONS SUCCEEDING DISBURSEMENT

a. Compliance Certificate
i. The borrower to display a board in prominent place in the project/office premises indicating that the
assets/stocks are hypothecated to bank.
ii. Borrower to authenticate the details of borrowing to Registered Information Utilities (IU), like National e-
Governance Services Ltd (NeSL). Necessary charges in this regard are to be borne by the borrower. Status
“Deemed to be Authenticated” (by NeSL): As per Gazette Notification no. No. IBBI/2019-20/GN/REG046 on
25th July 2019, corporate debtor remains recalcitrant and does not take any action to authenticate
information presented (i.e. does not respond even after 3 reminders (emails) to it by NeSL-IU) IU (NeSL) will
record the status of authentication as “Deemed to be Authenticated” as Yellow colour in the record.

b. Interest Servicing
i. Interest will be charged on monthly rests and is to be serviced as and when charged in the account.
ii. Interest as stipulated will be / will continue to be charged with monthly rests. The bank reserves the right
to give notice at any time and thereafter to charge such other rate of interest as the Bank may decide
depending upon revised credit rating of the borrower based on its audited annual balance sheet.
iii. The Rate of Interest shall be linked to MCLR/EBLR as per the Bank’s prevailing guidelines.
iv. Borrower to route all cash flows through accounts with our bank. Sales invoices of the borrower to
mention our bank account details for direct deposit by the customers of the borrowers.
v. Interest, Commission and other charges are subject to variation as may be notified by our Bank from time to
time / in line with RBI directions / other statutory guidelines.

4. REPAYMENT OF TERM LOAN

i. Term loan to be repaid by the borrower in 60 monthly installments along with
interest. First installment to fall due after 1 month of first disbursement.

5. DEFAULT AND RECOVERY

a. Prepayments of Term Loan
i. The Borrower shall have the option to prepay the Facility in part or full during the currency.
b. Events of Default (EOD)

Each of the following events shall, inter alia, constitute an Event of Default
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 4
i. Failure by the Borrower to pay any amount due and payable to banks e.g installment of term loan, servicing
of interest on term loan/working capital limit.
ii. Delay in achieving commercial operations beyond the estimated COD.
iii. The borrower ceasing or threatening to cease to carry on its business.
iv. Opening/Maintaining account with other banks without NOC from bank and/or routing cash flows through
those accounts.
v. Non-compliance of any term or condition stipulated by bank.
c. Consequences of EOD
Upon the occurrence and continuance of an EOD, all amounts outstanding under the facility shall be
immediately due and payable and the Bank may:
i. Impose penalty @ 1% p.a on each default subject to maximum penalty of 2% over and above the stipulated
interest rate on entire loan amount for the period of default.
ii. Exercise powers to recall the advance and take recovery action including action under the SARFAESI Act
2002 / IBC / Other recovery and legal measures.
iii. Suspend or terminate all undrawn commitments and enforce the Security.
iv. Demand cure of the default.
The Bank also reserves the absolute right to recall the advance in case of:
i. Limits not being utilized by borrower, misutilised or,
ii. Deterioration in the loan accounts in any manner whatsoever, and/or
iii. Non-compliance of terms and conditions of sanction
iv. Continuous excess in the cash credit/other working capital limits
v. Unsatisfactory operations in the account
The Bank shall also have right to:
i. Examine the borrower & guarantors from angle of Wilful Default & Fraud and report to RBI, Police/CBI.
ii. Borrowers to make all efforts for deposit of all cash inflows into designated account with bank/Consortium.

d. Solvency
i. The Borrower has not taken any action nor have any other steps been initiated or legal proceedings been
started or threats issued against Borrower for his bankruptcy (or proceedings analogous to it) or for the
appointment of a resolution professional, receiver, administrator, administrative receiver, bankruptcy
trustee or similar officer of it or any of its assets or revenues in any jurisdiction(s) to which the Borrower or
any of the Borrower’s assets are or may be subject to including under the Insolvency and Bankruptcy Code,
2016.
ii. The Borrower is able to pay his debts and is not insolvent or bankrupt.

6. Acceptance of Terms and Conditions by Borrower

Borrower to return the second copy of the Terms and Conditions duly signed by authorized signatory/ies or
guarantors. In case of Partnership firm all the partners in token of having accepted the stipulations of sanction
along with the guarantors if any.

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 5
Yours faithfully,

For Union Bank of India

This is a digitally generated document. No signature is required.
Accepted the above on the terms and conditions mentioned in Annexure I

Time Stamp of E-Sign by Borrower:

Signature of Borrower

Place: BASTAR
Date: 29-04-2024

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 6
 LOAN APPLICATION FORM UNION NARI SHAKTI

A. For office Use:

Enterprise Name Application Sl. No. Name of the Branch Category

ANURADHA KURMI UBIN0000027020 JAGADALPUR nariShakti

B. Business Information:

Name of the Enterprise ANURADHA KURMI

URN UDYAM-CG-01-0008867
GSTIN Not Available
Constitution Proprietorship
SHOP NO 1, C/O PARAS KUMAR KURMI, JAWAHAR NAGAR WARD NO 24 METGU, JAGDALPUR,
Current Business Address (CBS)
BASTAR, JAGDALPUR, BASTAR, CHHATTISGARH, 494001
State: CHHATTISGARH PIN Code: 494001
Telephone No. Mobile No. 91 9302587570
E-mail: [email protected]
Business Activity null(null)
Date of Commencement (DD/MM/YYYY) 15/07/2019
Whether the Unit is Registered √ Yes
Reg. No: (URN) UDYAM-CG-01-0008867
SHOP NO 1, C/O PARAS KUMAR KURMI, JAWAHAR NAGAR WARD NO 24
Registered office Address
METGU, JAGDALPUR, BASTAR, JAGDALPUR, BASTAR, CHHATTISGARH, 494001
Social Category OBC

C. Background Information of Proprietor/ Partners:

Residential Address Experience in the

S.No Name Date of Birth Sex
with Mobile No. line of activity (Years)
399/1 Jawahar Nagar Ward No 24
1 Anuradha Kurmi 01-04-1993 FEMALE 4
Metguda Jagdalpur 9302587570

Relationship with the

Name of Bank Official Bank Official
S.No PAN No. Aadhaar No. officials/ Director of
Promoters/Partners. Name Designation
the bank if any
1 Anuradha Kurmi DHYPK1998F 718048670182 No Not Applicable Not Applicable

D. Net Worth Details:-

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 1
 Total Networth as on 29-04-
Name Total Assets Total Liabilities
2024

ANURADHA KURMI 3450000.00 100000.00 3350000.00

E. Names of Associate Concerns and Nature of Association:

Names of Address of Extent of Interest as a Prop.

Presently Nature of Association
Associate Associate /Partner/ or Just Investor in
Banking with Concern
Concern Concern Associate Concern
Nil Nil

F. Banking/Credit Facilities Existing: (In Rs.)

Type of Presently Banking Limit Outstanding Security Asset classification

Facilities with Availed As on lodged status

Savings Account Union Bank of India. N. A. N. A. N. A. N. A.

Current Account Not Available N. A. N. A. N. A. N. A.
Term Loan Not Available N. A. N. A.
LC/BG Not Available N. A. N. A.
If banking with this bank, customer ID To be given here: 55990116
It is certified that our unit has not availed any loan from any other Bank / Financial Institution in the past and I/we am/are not indebted
to any other Bank / Financial Institution other than those mentioned in column no. E above.

G. Credit Facilities Proposed:(In Rs.)

Type of Purpose for which Details of Primary Security Offered

Amount
Facilities Required (with approx. value To be mentioned)
Working Capital 0.00 0.0
Term Loan 206,888.00 93002-OTH SERV. ACTIVITY - 382950.0
Total 206,888.00

H. In case of Term loan requirements, the details of machinery/equipment may be given as under:

Purpose Contribution being

Type of machine Total Cost of Loan Required
for which Name of Supplier made by the promoters
/ Equipment Machine (Rs.)
required (Rs.)
93002-OTH SERV.
ACTIVITY - THABEER KUMAR
451,818.00 51,818.00 206,888.00
DOMESTIC, BAGHEL
LAUNDRY ETC
Total 451,818.00 51,818.00 206,888.00

I. Declaration:

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 2
I/ We hereby certify that all information furnished by me/ us is true, correct and complete that I/ We have no borrowing arrangements
for the unit except as indicated in the application; that there is no overdue/ statutory dues against me/us/promoters except as
indicated in the application; that no legal action has been/ is being taken/ initiated against me/us/promoters by any Bank/FIs. I/We
shall furnish all other information that may be required in connection with my/ our application that this may also be exchanged by you
with any agency you may deemed fit and you, your representatives or Reserve Bank of India or any other agency as authorized by you,
may, at any time, inspect/verify my/our assets, books of accounts etc in our factory/ business premises as given above. You may take
appropriate safeguards/action for recovery of Bank dues including publication of defaulter name in website/submission to RBI; further
agree that my/our loan shall be governed by the rules of your Bank which may be in force from time to time.

Date: 29-04-2024

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 3
 KEY FACT STATEMENT
Applicant Name - ANURADHA KURMI ( UBIN0000027020 ) Date: 01-05-2024

Particulars Details
Type of Loan DIGITAL NARI SHAKTI - Term loan
Need based term loan/working capital for acquiring capital assets/meeting working
Purpose
capital requirements. (only for income generating business activities).
Loan Amount Rs. 206000.00
Margin 5.00%
Repayment (No prepayment penalty will be
To be repaid within a maximum period of 60 months in equated monthly installments
levied)
Moratorium NIL
Security Hypothecation of assets bought out of bank’s finance
Personal guarantee of all promoters, partners of the firm/LLPs. No third party
Guarantor(s)
guarantee is required.
Rate of Interest (per annum at present) EBLR + null
EBLR is External Benchmark Lending Rate comprising of Repo Rate + Spread which is revised from time to time in terms of RBI
guidelines. At present EBLR is 9.30% w.e.f. 11/02/2023
· Penal interest of 2% per annum to be charged in case of delayed payment of term
loan instalments for the period of delay in respect of the instalments delayed.
Penal interest clause
· Penal interest of 1% per annum to be charged in case of non-submission/delay in
submission of stock statement for the period of delay.
Processing & documentation Charges NIL
Option available for execution of documents
a)Manual - by visiting the Branch
Documentation
b)Digital- Aadhar OTP Based to be done Online(for individual or proprietorship
concerns only)
Digital Convenience Fee Rs. 1000 + GST (Non- Refundable)
Annual Percentage Rate(Effective annualized
rate applicable including Fees, Processing For Loans up to Rs.10.00 lakh & Tenure 84 Months = 11.12% p.a.
charges etc)
3 Days Cooling-off/ Lookup period available to borrowers for pre-payment. No
Cooling-off/ Lookup period
additional charges only interim period interest to be serviced.
Recovery of Bank Dues Recovery proceedings of Bank dues shall be undertaken by authorized officials
Details of LSP acting as recovery agent and
N.A
authorized to approach the borrower

Name, designation, address and phone number Mr. D. SASIDHAR (Grievance Redressal Officer- FinTech / Digital Lending) Address:
of Nodal Grievance Redressal officer designated Union Bank of India, Digitization Vertical, Central Office, 10th Floor, Naman Centre,
specifically to deal with Fintech/Digital lending Plot No.C-31,‘G’ Block, BKC, Bandra (E), Mumbai-400 051 Ph. No. : 022-40122400 ext.
related complaints/issues 909 Email : [email protected]

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 4
 e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF CHHATTISGARH
e-Stamp

Certificate No IN-CG53779345148824W

Certificate Issue Date 10-May-2024 07:05 PM

Account Reference No NESL (CR)/ CGSHCIL10/ RAIPUR/ CG-RP
Unique Doc. Reference CG1076INESL2024131411427
Purchased by UNION BANK OF INDIA
Property Description NOT APPLICABLE

Consideration Price (Rs) 206000.00

First Party UNION BANK OF INDIA

Second Party ANURADHA KURMI

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 50.00

Description of Doc. ARTICLE 5(B) AGREEMENT OR MEMORANDUM OF AN

AGREEMENT

QR
 Certificate Number: IN-CG53779345148824W

LETTER OF CONTINUITY AD-09(M)

Union Bank of India,

JAGADALPUR Branch

I/We beg to enclose a Demand Promissory Note dated 29-04-2024 for Rs. 206000.0 (Rupees Two Lakhs Six Thousand Only
) signed by me/us which is given to you as security for the repayment of amounts outstanding with respect to credit limits
in my/our name or in the name of either of us and also for the repayment of any loans and advances to the extent of Rs
206000.0 (Rupees Two Lakhs Six Thousand Only ) which I/We or either of us may avail of hereafter and the said
Promissory Note is to be security to you for the repayment of the ultimate balance or sum remaining unpaid with respect
to any loan or advance drawn under the credit limits sanctioned and I am/We are to remain liable on the said Promissory
Note.

Yours faithfully,

Full Names Signature

Anuradha Kurmi

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh
 e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF CHHATTISGARH
e-Stamp

Certificate No IN-CG53779350036713W

Certificate Issue Date 10-May-2024 07:05 PM

Account Reference No NESL (CR)/ CGSHCIL10/ RAIPUR/ CG-RP
Unique Doc. Reference CG1076INESL2024131295045
Purchased by UNION BANK OF INDIA
Property Description NOT APPLICABLE

Consideration Price (Rs) 206000.00

First Party UNION BANK OF INDIA

Second Party ANURADHA KURMI

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 50.00

Description of Doc. ARTICLE 5(B) AGREEMENT OR MEMORANDUM OF AN

AGREEMENT

QR
 Certificate Number: IN-CG53779350036713W

AD-02A
To be stamped as simple agreement

UNION BANK OF INDIA

JAGADALPUR Branch

Place BASTAR

Date 29-04-2024

Dear Sirs,

In consideration of your from time to time making advances to me/us and/or giving me/us banking accommodation and
facilities, I/We agree with you as follows :-

1. That you may hold all securities belonging to me/us (Which may now be in your possession or which may at any time
hereafter come into your possession) and the proceeds thereof respectively not only for the specific advance made
thereon but also as collateral security for any other moneys now due or which at any time be due from me/us to you,
whether singly or jointly with another or others.

2. That in addition to any general lien or similar right to which you as bankers may be entitled by law, you may at any time
and without notice to me/us combine or consolidate all or any of my/our accounts with and liabilities to you and set off or
transfer any sum or sums standing to the credit of any one or more of such accounts in or towards satisfaction of any of
my/our liabilities to you on any other account or any other respect whether such liabilities be actual or contingent, primary
or collateral and several or joint.

Yours faithfully,

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh
 e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF CHHATTISGARH
e-Stamp

Certificate No IN-CG53779366353179W

Certificate Issue Date 10-May-2024 07:05 PM

Account Reference No NESL (CR)/ CGSHCIL10/ RAIPUR/ CG-RP
Unique Doc. Reference CG1012INESL2024131376467
Purchased by UNION BANK OF INDIA
Property Description NOT APPLICABLE

Consideration Price (Rs) 206000.00

First Party UNION BANK OF INDIA

Second Party ANURADHA KURMI

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 200.00

Description of Doc. ARTICLE 40 MORTGAGE

QR
 Certificate Number: IN-CG53779366353179W

(SD 19) (TERM LOAN AGREEMENT (HYPOTHECATION OF MOVABLES))

THIS AGREEMENT made at AKASHWANIROAD 1STFLOOR,SUBHAMCOMPLEX,OPP.DIST.SESSIONJAGADALPUR this 29th

day Of Apr 20 24 BY ANURADHA KURMI .

(Hereinafter called ‘the Borrower’) IN FAVOUR OF Union Bank of India, a Body Corporate constituted under Banking
Companies (Acquisition & Transfer of Undertakings) Act,1970 having its having its Head Office at 239, Vidhan Bhavan
Marg, Nariman Point, Mumbai - 400021 and having a branch at/named JAGADALPUR (Hereinafter called ‘the Bank’ which
term unless the context otherwise requires includes its successors and assigns from time to time)

The expression “the Borrower” shall when the Borrower is:

(a) an individual, include his/her heirs, executors, administrators and assigns;

(b) a firm, include its partners, their respective heirs, executors, administrators, assigns and/or the
surviving partners;
(c) a Company, include its successors and assigns;
(d) a joint and Undivided Hindu family or a joint family firm, include its co-parceners
(e) an association, corporate or unincorporated include its successors and assigns and all members and
their respective heirs, executors, administrators and assigns;
(f) a trust, whether public or private, include the trustees representing the firm.

WHEREAS the Borrower has applied to the Bank for a Term Loan/Deferred Payment Guarantee Letter (Hereinafter
referred to as DPGL) for the purpose of procuring the machinery / plant / vehicle/ craft /capital goods /assets or for any
other purpose connected with the conduct of the business of the Borrower on the security of all the movable assets of the
Borrower, and the Bank having agreed to the same and the Bank having sanctioned a Term Loan/DPGL of Rs. 206000.0 (Rs.
Two Lakhs Six Thousand Only (Hereinafter called ‘the loan’ or ‘the loan account’ depending on the context), the Borrower
hereby agrees and confirms the various terms and conditions stipulated by the Bank as contained hereinafter.

NOW IT IS HEREBY AGREED DECLARED RECORDED AND CONFIRMED BY THE BORROWER AS FOLLOWS:

1. This Agreement shall operate as a security to the Bank in addition to any other security already held by the Bank for
repayment to the Bank of the loan and/or the balance outstanding due to the Bank by the Borrower at anytime.
2. The Borrower hereby hypothecates and charges to the Bank:

A) All those machinery / plant / vehicle / capital goods / assets purchased or to be purchased by the Borrower out of
this loan as specified in Schedule A (1) herein below whether installed or not, or whether lying loose or in cases or
in transit to Borrower’ spremises ( strike out the portion if not applicable) AND

B) All those existing and future machinery/plant/vehicle/capital goods/assets/craft and all those assets/ movable
properties capable of passing by delivery as specified in Schedule A (2)whether installed or not and whether now lying
loose or in cases and now being or at any time hereafter during the continuance of this Agreement brought into or
upon or at any time in course of transit to the premises/factory of the Borrower at SHOP NO 1, C/O PARAS KUMAR
KURMI, JAWAHAR NAGAR WARD NO 24 METGU, JAGDALPUR, BASTAR, JAGDALPUR, BASTAR, CHHATTISGARH,
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 1
 Certificate Number: IN-CG53779366353179W

494001 .

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 2
 Certificate Number: IN-CG53779366353179W

Whatsoever and wherever in the possession or occupation of the Borrower

as security for the payment to the Bank of the loan or the Balance due to the Bank by the Borrower on the Loan
Account, hereunder referred to as “the Hypothecated Assets”.
3. The Borrower hereby:
a) warrants the correctness of each and every representation, statements and particulars contained in the application
or otherwise submitted by the Borrower to the Bank for the sanction of the loan.
b) undertakes to comply with each and every assurances contained in the application submitted to the Bank in the
manner and within the time therein mentioned.
c) agrees that the loan advanced / agreed to be advanced by the Bank shall be governed by the terms stipulated in
the sanction letter

d) agrees to furnish all such information as the Bank may require for its satisfaction as to due compliance with the
terms of the proposal and of the sanction letter and the utilization of the said advance at such times in such terms
and informing such particulars as the Bank may call for.

e) expressly agree with the Bank that the Bank shall be entitled to refuse to grant the said loan or part thereof, which
remains to be advanced in the event:
(i) representations / statements contained in the application are found to be incorrect, the opinion of the Bank
in this regard being final.
(ii) the Borrower fails to utilize the loan or any part thereof for the purpose and in the manner as mentioned in
the application.
(iii) fails to provide the security/ies as per the sanction stipulations to the satisfaction of the Bank.

4. (a) The Borrower shall duly and punctually repay the loan in installments commencing from 29-05-2024 as per the
tenure described in the Schedule B(I) hereto and the installment amount may be for the principal amount and interest
separately or principal and interest together as the Bank may decide in each case and further the Bank may at its
discretion, alter/amend the amount of installment, number of installments or due dates as the case may be and the
above-said decisions of the Bank would be acceptable to the Borrower

4. (b) (In the case of DPGL) The Borrower undertakes to repay the DPGL of Rs. 206000.0 in installments and shall duly and
punctually make available to the Bank the installment amount on the respective due dates on which the installments are
payable to the beneficiary of DPGL or his banker and as detailed in the Schedule B (II) hereto or as may be communicated
by the Bank from time to time On the respective due dates, if the Borrower fails to make the installment amounts
available to the Bank, the Bank may effect payment of the installment to the beneficiary by creating loan in the name of
the Borrower or by debiting the Current account of the Borrower together with interest, commission, charges, etc. and the
said loans/overdraft thus created would attract the same rate of interest applicable for the liability covered under DPGL.

(strike out whichever is not applicable)

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 3
 Certificate Number: IN-CG53779366353179W

5. (a) The Borrower shall repay to the bank the loan along with the interest on the amount of outstanding from time to
time at the rate of,
i) ___________________ percentage per annum with _________________ rests.
or
ii) _______________ % per annum being the applicable Bank's lending rate /1 yr/2 Yr/3 Yr/6 M/3 M/1 M/Overnight - MCLR
rate which is ____________________ % per annum at present plus spread of ____________________ % per annum being
monthly/quarterly/Half Yearly /Annual rests
or

iii) 11.0 % per annum being EBLR rate (comprising of RBI Repo Rate and Spread) which is 9.25 % per annum at present plus
Premium of 1.75 % at present compounded monthly/quarterly/half yearly/annually (Spread means the rate chargeable to
the Borrower by the Bank to cover its costs and shall comprise of operating cost and capital charge. Premium means the
rate chargeable to the Borrower by the Bank based on the yearly credit assessment/rating of the Borrower and shall
comprises of credit risk premium and strategic premium)

(strike out whichever is not applicable)

or

at such other rate/s as may be prescribed by the Bank from time to time depending upon the changes in the interest Rate
of the Bank or the directives of Reserve Bank of India from time to time or the policy of the Bank, such interest to be
payable, whether actually debited to the account or not, and until so paid shall form part of the loan granted to the
borrower. The borrower shall be deemed to have notice of revision of interest whenever such revision in the rates is
displayed on the Bank's website or notice board of the Bank/Branch or by publication in any newspaper on revision of
interest rates or made known through an entry in the statement of account.

(b) Provided further, without prejudice to the Bank’s other rights and remedies, that the Bank shall be entitled to charge,
in its discretion, enhanced/penal rate/s of interest on the balance due to the Bank for any delay in repayment/adjustment
of the loan and/or interest thereon as agreed or in default or irregularity in observing the terms and conditions of this
agreement by the Borrower which in the opinion of the Bank warrants charging of penal interest for such period as the
Bank may deem fit.

6. The Hypothecated Assets shall at all times during the currency of this security and so long as any money shall remain
due and owing in the said Loan Account be maintained in good and saleable condition and kept insured by and at the
expenses of the Borrower against fire, lightening, riot, strike, malicious damage and such other risk as may be required
by the Bank or as may be required by law to the full extent of the value thereof with an insurance Company approved
by the Bank in the joint name of the Bank and the Borrower and the policy/ies or copy/ies thereof shall be handed over
to the Bank. The Borrower shall duly and punctually pay the premia due on the policy/ies at least one week before the
same shall have become due or payable and hand over the receipt to the Bank and the Borrower agrees not to raise
any disputes as to the amount of the insurable interest of the Bank. If the Borrower makes default in effecting such
insurance as aforesaid or renewing any policy or in payment of such premia or in keeping the hypothecated assets so
insured or in delivering to the Bank receipts for the premia it shall be lawful (but not obligatory) for the Bank to effect
such insurance or to renew or to pay such premia and to keep the hypothecated assets insured and to debit the
expenses incurred by the Bank for the purposes to current account of the Borrower and the same shall be treated as
loan secured by this Agreement. The Borrower agrees to pay the same with interest as provided in clause 5 hereof. All
sums received under any such insurance as aforesaid shall after deduction of all expenses be applied in or towards the
liquidation of the balance due to the Bank for the time being and in the event of there being a surplus the same shall be
applied towards any other dues owed to the Bank by the Borrower. The Borrower agrees that if any
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 4
 Certificate Number: IN-CG53779366353179W

moneys under any such insurance are received by the Borrower the same will be forthwith paid to the Bank. The
Borrower further agrees that the Bank would be entitled to adjust, settle, compromise or refer to arbitration any
dispute between the insurance company and the insured arising under or in connection with such policy/ies and the
certificate or any claim made hereunder and to give a valid receipt thereof and the Borrower shall not raise any
question that a larger sum might or ought to have been received.

7. It shall be lawful for the Bank and its Agents without notice to enter into or upon the offices, godowns, factory, or
places of storage of any of the Hypothecated Assets for the purpose of taking inspection of or checking the
Hypothecated Assets and making account and inspecting the books of account of the Borrower and it shall also be
lawful for the Bank to have all or any of the Hypothecated Assets valued by the appraiser or other valuer to be
appointed by the Bank and all such expenses and the fees and expenses of such valuation/inspection shall be debited
to the Borrower in the said Loan Account / Cash Credit/ Current Account of the Borrower and be payable accordingly
and shall until payment be treated as forming part of the loan secured by this Agreement.

8. The Borrower shall cause the Bank’s name board to be placed and at all times maintained in a conspicuous place upon
and with all godowns, or other places of storage into or upon which any of the Hypothecated Assets for the time being
are or shall be brought during the continuance of this Agreement.

9. The Borrower shall from time to time on demand by the Bank in writing furnish to the Bank a full and correct
statement with such particulars as the Bank may require of the Hypothecated Assets together with its value and
produce such evidence in respect thereof as the Bank may from time to time require.

10. The Borrower shall hold in trust for the Bank the Hypothecated Assets and insurance proceeds, if any, on account of
the Bank and as the Bank’s exclusive property, specially appropriated to the security and the Borrower shall not create
any charge, lien or encumbrance affecting them or any part thereof nor do anything which would prejudice the
security and the Borrower shall not part with the Hypothecated Assets to anyone other than the Bank.

11. The Borrower shall punctually pay all the rents, rates, taxes and other outgoings of the godowns and premises
wherein the Hypothecated Assets are kept and shall keep the same unencumbered at all times and free from distress.

12. If the Hypothecated Assets include any motor vehicle/s as defined by the Motor Vehicles Act, 1988 the Borrower
agrees to furnish to the Bank with all particulars of registration entered in the Registration Book of Vehicles
maintained by the Local Road Transport Authority and to have the Bank’s charge recorded in the Registration Book
and all such particulars shall be lodged with the Bank within 15 days from the date of this Agreement or such other
extended date as the Bank may grant and the Borrower agrees to insure the vehicle/s against all risks (including third
party risk) as specified in Clause(6) above.

13. (a) If the Borrower fails to carry out and perform any of the obligations under these Presents or in the event of any
damage occurring to the Hypothecated Assets from any cause whatsoever or if the Borrower is / are declared
insolvent or if an order for dissolution/winding up of the Borrower has been made by any court or if the Borrower
decides to wind up the business or if a decree or order for payment of money is passed or made against Borrower
by a Court of Law and remains unsatisfied for a week after passing or making of the said order or decree or if
execution is levied against any property of the Borrower or if any event shall happen or is believed by the Bank to
have happened so as in the opinion of the Bank may impair the security hereby created or the credit of the
Borrower or if the Bank shall be of opinion that the security hereby created is, otherwise imperilled (as to all or any of
such matters the opinion of the Bank shall be conclusive) it shall be lawful for the Bank, its Agents and Nominees with
a view to obtain possession for and on behalf of the Bank at all times and without assigning any reason and without
any previous notice to the Borrower but at the Borrower’s risk and expenses and if so required as Attorney for and in
the name of the Borrower to enter any place where the Hypothecated Assets or any of them may be and take charge
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 5
 Certificate Number: IN-CG53779366353179W

and / or possession of all or any part of the Hypothecated Assets and the Borrower shall afford every facility for placing
and shall place the Hypothecated Assets and every part thereof as the Bank may require in the exclusive possession of
and the exclusive control of the Bank in such manner that such possession and control shall be apparent and
indisputable. The Bank may also if deed fit appoint security guards to protect the Hypothecated Assets till such time
the Hypothecated Assets can be sold off and the expenses incurred thereon shall be reimbursed by the Borrower.

(b) The Bank shall not be liable or responsible for any loss, damage or depreciation which the Hypothecated Assets may
suffer or sustain on any account whatsoever while the same are in possession of the Bank during the continuance of
this Agreement or thereafter and all such damage or depreciation shall be wholly on account of the Borrower how so
ever the same have been caused nor shall the Bank be responsible for any shortage resulting from theft or pilferage or
otherwise howsoever not with standing that the Hypothecated Assets may be in the possession of or under the control
of the Bank.

14.(a) It shall be lawful for the Bank at any time after taking possession of the Hypothecated Assets (without prejudice to
the Bank’s right of suit or any other right against the Borrower) to recover, receive, appoint receivers of or remove
and / or sell either by public auction or private contract after giving 2 days’ notice subject to such conditions as the
Bank shall think fit or otherwise dispose of or deal with at any time or times the Hypothecated Assets or any
part or parts thereof and/or to enforce, realise, settle, compromise and to deal with any rights or claims regarding
any of the Hypothecated Assets without being bound to exercise or non-exercise thereof and notwithstanding that
there may be any pending suit or other proceedings the Borrower undertakes to transfer and deliver to the Bank all
relative contracts, securities, bills notes, hundies and documents and any acts of the Bank in this regard shall be
binding on the Borrower.

(b) The Bank shall apply the sale proceeds towards the loan Account to the extent of the balance due to the Bank or so
much thereof as shall remain unpaid including interest at the rate aforesaid until payment and including all costs as
between Attorney and Client, charges and expenses incurred by the Bank on any account whatsoever. If the net
sum realised by such sale be insufficient to cover the balance due to the Bank, the Borrower shall be liable forthwith
on production to the Borrower a statement prepared by the Bank to pay the balance appearing due to the Bank.

(c) In the event of there being surplus available of the net proceeds of such sale after payment in full of the balance
due to the Bank it shall be lawful for the Bank to retain and apply the said surplus together with any other money or
moneys belonging to the Borrower for the time being in the hands of the Bank in or under whatever accounts as far
as the same shall extend against in or towards payment or liquidation of any and all other moneys that shall or may
become due from the Borrower whether solely or jointly with any other person or persons, firm or company to the
Bank by way of loans, discounted bill, letters of credit, guarantees, charges or of any other debits to liability
including bills, notes, credits and other obligations, current though not then due or payable or other demands legal
or equitable which the Bank have against the Borrower and whether the Borrower shall become or be adjudicated
bankrupt or insolvent or be in liquidation or otherwise with interest thereon from the date on which any and all
advances in respect thereon shall have been made at the rate of or respective rates at which the same shall have
been advanced.

(d) The Borrower agrees to accept without question in and out of Court a statement of account made out from the
papers and / or Books of the Bank and signed by the Manager or other duly authorised officer of the Bank as
conclusive proof of the amount realised by any such sale as aforesaid and of any sum claimed to be due from the
Borrower to the Bank under this Agreement and of the costs and expenses incurred in connection therewith
without the production of any other voucher, document or paper.

15.The Agreement is not to prejudice the rights or remedies of the Bank against the Borrower in respect of any other
advances made or to be made by the Bank to the Borrower.
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 6
 Certificate Number: IN-CG53779366353179W

16.No changes whatsoever that may take place in constitution of the Borrower or Bank (whether by amalgamation or
otherwise) shall impair or discharge the liability of the Borrower hereunder.

17.The Borrower further agrees that the Bank shall have a right of general lien and set off on the other accounts of the
Borrower with the Bank either held singly or jointly with others and/or securities in the custody of the Bank offered by the
Borrower for other advance/s from the Bank or kept in safe custody and that the Bank may if deemed fit in case of the
loan becoming overdue and irregular, liable to be set off against the amount available in other accounts and/or dispose of
such securities and realise the proceeds in satisfaction of the dues.

18.The Borrower also agrees that notwithstanding anything hereinbefore contained the Bank shall not be bound to allow
or continue the Loan Account to any extent or for any time than the Bank shall in its absolute discretion deems fit. Delay in
exercise or omission to exercise any right, power or remedy accruing to the Bank or its representatives/agents, upon
default under this Agreement shall not impair any of the Bank’s rights/remedies/powers nor shall be construed as waiver
thereof or acquiescence in such default.

19.Notwithstanding what is contained hereinabove with reference to repayment by installment/(s) and date/(s) of
payment of installment/(s), upon the happening of any of the following events, the whole of the balance outstanding at
the time of happening of the event shall at the option of the Bank become forthwith due and payable by the Borrower
to the Bank:-

(i) Any of the installment amount referred to hereinabove being unpaid on the due date for payment thereof
mentioned hereinabove.

(ii) Any representation and/or the statements made by the Borrower in the Application being found to be incorrect
and/or the Borrower committing any breach of default in the performance or observance of any terms,
conditions or provisions contained in the said Application and/or the letter of sanction and/or contained herein.

(iii) The Borrower entering into any arrangement or composition with Borrower’s creditors or committing any act
the consequence of which may lead to the Borrower (in case of an individual) being declared insolvent (and in
case of public or a private limited company) of being ordered to be wound up.

(iv) Any process being issued against the Borrower for execution of a Decree and / or for attachment before
judgement resulting in any of the property belonging to and / or under the control of the Borrower being
attached.

(v) Any Order being made or a Resolution being passed for the winding up of the Borrower (in the case of a
Company)
(vi) A Receiver being appointed of the entire properties or any part thereof belonging to or under the control of the
Borrower.
(vii) The Borrower ceasing or threatening to cease to carry on business or giving or threatening to give notice of
Borrower’s intention to do so.
(viii) A firm of Accountants appointed by the Bank certifying that the liabilities of the Borrower exceed the assets
owned and / or under the control of the Borrower and / or that the Borrower is carrying on business in loss.
(ix) The occurrence of any event or circumstance which would or is likely to prejudicially or adversely affect in any
manner the capacity of the Borrower either to repay the said advance or to carry out the said proposal.
On the question whether any of the matters, events or circumstance mentioned in sub clause (i) to (ix) herein above has
happened the opinion and / or the decision of the Bank shall be conclusive, final and binding on the Borrower.
For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 7
 Certificate Number: IN-CG53779366353179W

20.The Borrower agrees to accept as conclusive proof of the correctness of any sum due from them to the Bank under this
Agreement or statement of account made out from the Books of the Bank signed by the authorised official of the Bank
without production of any other voucher, documents or paper as also to pay all the interest accrued/to accrue in the
loan account but not actually debited to the loan account.

21.The Borrower hereby further agrees that in case the Borrower commits default in the repayment of the loan or in the
repayment of interest thereon on due date/s, the Bank and/or Reserve Bank of India will have an unqualified right to
disclose or publish the name of the Borrower or its Directors/ partners/proprietor as defaulter in such manner and
through such medium as the Bank or Reserve Bank of India in their absolute discretion may think fit.

22.The Borrower further agrees that in the event the loan is eligible for the cover of the Credit Guarantee Fund Scheme
formulated by Small Industries Development Bank of India or any other such Scheme formulated by Government of
India, the Borrower agrees to pay the guarantee fee and annual service fee thereon and in the absence of such
payment Bank may debit the current or cash credit account of the Borrower for the said amount/s and it is further
agreed that the said debits shall form part of the loan and that such payment/debit shall not reduce the liability of the
Borrower under these Presents nor the Borrower stake any claim over the amount settled by the Corporation on
invocation of the Guarantee.

23.Any notice in writing required to be served hereunder shall be deemed to be sufficiently served if addressed to the
Borrower at the Borrower’s address registered with the Bank or in the event of such address not being registered, at
the last known place of residence or business and left at such address or place or forwarded to the Borrower by post at
the address or place aforesaid. Notice sent by post shall be deemed to be given at the time when in due course of post
it would be delivered at the address to which it is sent, and in proving that such notice was posted, a certificate signed
by the Bank’s authorised officer that envelope was so posted shall be conclusive.

SCHEDULE“A”

2. All the tangible movable machinery and plant of the Borrower together with spares, tools and accessories and other
movables, both present and future, whether lying loose or in cases which are now lying or stored in or about or shall be
brought into or be stored or be in or upon or about the Borrower’s premises and godowns or wherever else the same
may be or be held by any party to the order or disposition of the Borrower relating to or pertaining to the Borrower’s
worksat

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 8
 Certificate Number: IN-CG53779366353179W

SCHEDULE B
(I) Term Loan

No.of Installments Amount of Installments Tenure

60 4498.25 60

(II) D.P.G.L. –Due Dates

Date Amount Date Amount Date Amount Date Amount

IN WITNESS WHEREOF the Borrower has hereunto put his hand and seal this day of 29th of Apr 2024 .

SIGNED AND DELIVERED BY

the within named Borrower

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh

Page 9
 e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF CHHATTISGARH
e-Stamp

Certificate No IN-CG53779577669253W

Certificate Issue Date 10-May-2024 07:05 PM

Account Reference No NESL (CR)/ CGSHCIL10/ RAIPUR/ CG-RP
Unique Doc. Reference CG1076INESL2024131316136
Purchased by UNION BANK OF INDIA
Property Description NOT APPLICABLE

Consideration Price (Rs) 206000.00

First Party UNION BANK OF INDIA

Second Party ANURADHA KURMI

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 50.00

Description of Doc. ARTICLE 5(B) AGREEMENT OR MEMORANDUM OF AN

AGREEMENT

QR
 Certificate Number: IN-CG53779577669253W

LETTER OF UNDERTAKING NOT TO ALIENATE HYPOTHECATED GOODS (AD-12)

Place BASTAR
Date 29-04-2024

The Branch Manager,

UNION BANK OF INDIA
JAGADALPUR Branch

In consideration of the Bank having advanced to us Cash Credit/overdraft facility to the extent of Rs 206000.0 (Rupees Two
Lakhs Six Thousand Only ) we have executed the hypothecation agreement dated 29-04-2024 whereby we have
hypothecated the firm’s machinery/stocks which are more particularly set out in the schedule to the aforesaid
Hypothecation Agreement.

We, hereby, declare that the said machinery/stocks are the absolute property of the firm / company and in which no other
person has any right, title or interest or any lien or charge thereon. We undertake that till such time as our liability to the
Bank is outstanding we will not create any charge in any manner whatsoever so as to prejudice the security created in your
favour under the aforesaid hypothecation agreement dated 29-04-2024 .

Yours faithfully,

(Full Names) (Signature)

Anuradha Kurmi

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh
 Letter of undertaking from Borrower(s)

The Branch Manager

Union Bank of India,
JAGADALPUR Branch

Dear Sir,

My/Our Loan A/c No. ____________________ Dated 29-04-2024 for Rs. 206000.0 .

With reference to the above, I/we hereby undertake/authorize the following:

1. I/We, understand that as a pre-condition, relating to grant of loans/advances/other non-fund based credit
facilities to me/us, your Bank, requires my/our consent for the disclosure by the Bank, of information and
data relating to me/us, of the credit facility availed off to be availed, by me/us, obligations assumed/to be
assumed by me/us, in relation thereto and default, if any committed by me/us, in discharge thereof.

2. Accordingly, I/We, hereby agree and give consent for the disclosure by your Bank of all or any
[i] information and data relating to me/us
[ii] the information or data relating to any credit facility availed
of/to be availed, by me/us, and
[iii] default, if any, committed by me/us in discharge of my/our such obligation

As your Bank may deem appropriate and necessary, to disclose and furnished to Credit Information Bureau (India) Ltd.
and any other agency authorized in this behalf by Reserve Bank of India.
3. I/We, declare that the information and data furnished by me/us to your Bank are true and correct.
4. I/We, undertake that:

[a] the Credit Information Bureau (India) Ltd. and any other agency so authorized may use, process the said information
and data disclosed by the Bank in the manner as deemed fit by them and

[b] the Credit Information Bureau (India) Limited and any other agency so authorized may furnish for consideration, the
processed information and data or products thereof prepared by them, to Banks/financial Institutions and other
credit grantors or registered users, as may be specified by the Reserve Bank of India in this behalf.

Yours faithfully

Signature of Borrower(s)

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh
 DEMAND PROMISSORY NOTE
EBLR LINKED

Place BASTAR
Date 29-04-2024

Rs. 206000.0

On demand, I / We Anuradha Kurmi M/s ANURADHA KURMI (jointly and severally)* promise to pay UNION BANK OF
INDIA, JAGADALPUR Branch or order sum of Rupees 206000.0 together with interest on such sum at the rate of External
Benchmark Lending Rate (EBLR) comprising of RBI Repo Rate + Spread which is presently 9.25 % per annum plus Premium
of 175.0 basis points or such other rate as may be prescribed by the Bank from time to time upon interest rate reset, with
monthly rests, for value received.

Revenue
stamp
Re1/-

Authorised Signatory
Designation

SD-21 B (EBLR)

*Strike out if not applicable

For ANURADHA KURMI

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh
 Letter of Undertaking from Guarantor/s

The Branch Manager

Union Bank of India,
JAGADALPUR Branch

Dear Sir,

Account No. .
Dated 29-04-2024 For Rs. 206000.0 in the name of ANURADHA KURMI .

With reference to the above, I/we hereby undertake/authorize the following :

1. I/we, understand that as a pre-condition, relating to grant of the loans/advances/other non-fund based credit facilities
to M/s. ANURADHA KURMI and furnishing guarantee in relation thereto, your bank requires consent of the guarantor/s of
the credit facility, granted/to be granted by the bank for the disclosure by the bank of information and data relating to
guarantor/s, any credit facility availed of by the guarantor/s obligations assumed/tobe assumed by me/us, in relation
thereto and default, if any committed by me/us, in discharge thereof.

2. Accordingly, I/we, hereby agree and give consent for the disclosure by your bank of all or any

[i] information and data relating to me/us;

[ii] the information or data relating to my/our obligations in any credit facility granted/to be granted, by
the bank and guaranteed by me/us, as guarantor and
[iii] default, if any, committed by me/us, in discharge of my/our such obligation.

As your bank may deem appropriate and necessary to disclose and furnish to Credit Information Bureau (India) Ltd. and
any other agency authorized in this behalf by Reserve Bank of India.

3. I/we, declare that the information and data furnished by me/us to the your bank are true and correct.
4. I/we, undertake that :

[a] The Credit Information Bureau (India) Ltd. and any other agency so authorized may use, process the said
information and data disclosed by the bank in the manner as deemed fit by them and
[b] The Credit Information Bureau (India) Ltd. and any other agency so authorized may furnished for
consideration, the processed information and data or products thereof prepared by them, to banks/financial
institutions and other credit grantors or registered users, as may be specified by the Reserve Bank of India in
this behalf.

Yours faithfully

Signature of Guarantor(s)
Place BASTAR
Date 29-04-2024

Signature Not Verified

Digitally signed by Anuradha Kurmi
Date: 2024.05.10 19:20:51 IST
Reason: Agreement Executed
Location: Chhattisgarh