NSDL Payments Bank

Account Statement

Customer Name : SHAIKBILAL Bank Name : NSDL Payments Bank

Customer Address : SAKI NAKA MUMBAI, SAKI NAKA ANDHERI, ANDHERI Bank Address : 401, 4th Floor, Tower 3,
MUMBAI,MAHARASHTRA, INDIA 400072 One International Center,
Senapati Bapat Marg,
Customer ID : 2358227 Lower Parel,
Mumbai - 400 013.
Account Number : 501025802577
IFSC Code : NSPB0000002 Email ID : [email protected]

Account Type : Jiffy Zero Balance Account XML Bank Contact No. : 022-42022100

Currency : INR GSTIN No :

Summary of Account
Statement Period : 01-Mar-2024 To 30-May-2024

Opening Balance Withdrawal Count Deposit Count Withdrawals(Dr) Deposits(Cr) Closing Balance

2088.7197 517 240 287413.69 285329.67 4.7

Statement of Account
Statement Period : 01-Mar-2024 To 30-May-2024

Date Narration Reference Number Withdrawals(Dr) Deposits(Cr) Balance

Fund Transfer from

IMPS_Cr_415019981131_IDFB_AC VALIDATION GPAY
K_XX6979_bankAccountVerificationTransaction,IDFC Bank,
29 MAY 2024 415019981131 0 1 4.7
918828574650(bankAccountVerificationTransaction) Ref.No-
415019981131
IMPS

UPI Transfer to
UPI|DEBIT|415019263179|rainbowcontructions2024@sbi|Vwgj|
29 MAY 2024 00000042971288376|RAINBOW CONSTRUCTIONS AND 415019263179 100 0 3.7
BUILDING MATERIAL S|, Ref.No-415019263179
UPI

UPI Transfer from

UPI|CREDIT|415077801120|aknikku18@ybl|Payment from
29 MAY 2024 PhonePe|33358100018522|Abhijeet Kumar|BARB0BIHARS, 415077801120 0 100 103.7
Ref.No-415077801120
UPI

UPI Transfer to
UPI|DEBIT|415006449613|kvbupiqr.
29 MAY 2024 105000000014178@kvb|PAY|1518135000001780|ALTHAF 415006449613 300 0 3.7
H|KVBL0001518, Ref.No-415006449613
UPI

UPI Transfer to
UPI|DEBIT|414918596349|vnragency@sbi|5Ogz|00000042959
28 MAY 2024 414918596349 250 0 303.7
601895|VNR AGENCY|SBIN0021827, Ref.No-414918596349
UPI

UPI Transfer to
UPI|DEBIT|414922468696|harekrishna1010@ibl|UPI|10000837
28 MAY 2024 7550|RAHUL AHIRWAR|ESFB0001001, Ref.No- 414922468696 800 0 553.7
414922468696
UPI

Fund Transfer from

IMPS_Cr_414918017349_IDFB_NALSAN ENTERPRISES
28 MAY 2024 P_XX9071_transfer,IDFC Bank,919319297727(transfer) Ref. 414918017349 0 1350 1353.7
No- 414918017349
IMPS

pg 1 of 55
 Date Narration Reference Number Withdrawals(Dr) Deposits(Cr) Balance

UPI Transfer to
UPI|DEBIT|414917991185|maranevegetables@sbi|at2|000000
28 MAY 2024 42946911132|MARANE VEGETABLES|SBIN0070550, Ref.No- 414917991185 300 0 3.7
414917991185
UPI

UPI Transfer to
UPI|DEBIT|414917974899|maranevegetables@sbi|9eo|000000
28 MAY 2024 42946911132|MARANE VEGETABLES|SBIN0070550, Ref.No- 414917974899 200 0 303.7
414917974899
UPI

UPI Transfer from

UPI|CREDIT|414981253118|8808723723@ybl|Payment from
28 MAY 2024 PhonePe|00000020164170409|AMAN GOYAL|SBIN0015116, 414981253118 0 500 503.7
Ref.No-414981253118
UPI

UPI Transfer to
UPI|DEBIT|414873635768|bharatpe09914818459@yesbankltd|
27 MAY 2024 UPI|010561100000039|Mr ARCHANA|YESB0YESUPI, Ref.No- 414873635768 50 0 3.7
414873635768
UPI

UPI Transfer from

UPI|CREDIT|414822095415|mineon@rbl|Payment from RBL
27 MAY 2024 MoBank|309025541319|SHAIK|RATN0000356, Ref.No- 414822095415 0 50 53.7
414822095415
UPI

UPI Transfer to
UPI|DEBIT|414818657910|Mineon@rbl|PAY|309025541319|S
27 MAY 2024 414818657910 100 0 3.7
HAIK|RATN0000356, Ref.No-414818657910
UPI

UPI Transfer to
UPI|DEBIT|414818654805|Mineon@rbl|PAY|309025541319|S
27 MAY 2024 414818654805 1400 0 103.7
HAIK|RATN0000356, Ref.No-414818654805
UPI

UPI Transfer from

UPI|CREDIT|414855688827|6200865475-4@axl|Payment
27 MAY 2024 from PhonePe|10160237409|Jeetendra Kumar|IDFB0040101, 414855688827 0 1500 1503.7
Ref.No-414855688827
UPI

UPI Transfer to
UPI|DEBIT|414859495622|gpay-tv-
27 MAY 2024 internet@okpayaxis|UPI|918020055075686|Google India 414859495622 100 0 3.7
Digital Services Pvt Ltd|UTIB0000553, Ref.No-414859495622
UPI

UPI Transfer from

UPI|CREDIT|414850233366|6200865475-3@axl|Payment
27 MAY 2024 from PhonePe|0648847760|JEETENDRA KUMAR 414850233366 0 5 103.7
KUMAR|KKBK0000958, Ref.No-414850233366
UPI

UPI Transfer from

UPI|CREDIT|451442097750|choudharylakshit177@okicici|TIP|
27 MAY 2024 100024361767|Lakshit Chaudhary|ESFB0001001, Ref.No- 451442097750 0 20 98.7
451442097750
UPI

UPI Transfer from

UPI|CREDIT|414700289355|9926017972@mbk|NA|919926017
26 MAY 2024 414700289355 0 5 78.7
972|Rajendra Lodhi|PPIW0881822, Ref.No-414700289355
UPI

UPI Transfer from

UPI|CREDIT|451301828533|arun025@paytm|Sent from
26 MAY 2024 Paytm|6447401769|ARUN KUMAR MISHRA|KKBK0005297, 451301828533 0 30 73.7
Ref.No-451301828533
UPI

UPI Transfer from

UPI|CREDIT|451391361149|choudharylakshit177@okicici|TIP|
26 MAY 2024 100024361767|Lakshit Chaudhary|ESFB0001001, Ref.No- 451391361149 0 10 43.7
451391361149
UPI

pg 2 of 55
 TRI-PARTITE LOAN AGREEMENT

This Loan Agreement ("Agreement") has been made at New Delhi and on the date as mentioned in Annexure
1 hereto, by and between:

ARHAM FINANCE AND INVESTMENT SERVICES LIMITED, a company incorporated under the
provisions of the Companies Act, 1956, operating at 4866/1, Second Floor, Harbans Singh Street 24 Ansari
Road, Darya Ganj, New Delhi11002, Central Delhi, Delhi, Delhi, India, 110002, (hereinafter referred to as
"Lender", which expression shall, unless it be repugnant to the context or meaning thereof, include its
successors and permitted assigns);

CREDFIN SERVICES PRIVATE LIMITED a company incorporated under the laws of India and having its
registered office at 2nd Floor, Room No 204, 4866/1, 24, Ansari Road, Daryaganj, New Delhi, Central Delhi,
Delhi, 110002 (hereinafter referred as "Credfin", which expression shall mean and include its successors and
permitted assigns);

AND

The Borrower as detailed in Annexure 1, hereinafter referred to as the "Borrower", (which expression shall,
unless it be repugnant to the context or meaning thereof, include its successors and permitted assigns) of the
second part. The Lender, the Borrower AND Credfin shall hereinafter individually be referred to as a "Party"
and collectively as "Parties".

NOW THIS AGREEMENT WITNESSETH AS FOLLOWS

1. 1 SCOPE
1. 1.1 The Lender is a Non - Banking Financial Company engaged in the business of providing
loans to its customers.
2. 1.2 Credfin is Fintech Company engaged in the business of end-to-end loan lifecycle
management including and not limited to origination, underwriting, management, collection and
recovery.
3. 1.3 The Borrower had approached the Lender for Loan not exceeding Rs 2,00,000 (Rs Two Lac)
(the loan amount here in after shall be referred to as 'the loan' or "Loan" or "Loan Amount") on
the terms, conditions and the purpose as stated / contained in this Agreement. To be read with the
sanction letter(s) and the Key Fact Statement/KFS issued by the Lenders, and as more
specifically detailed under Annexure I.
4. 1.4 Borrower understands that every Loan request shall be assessed individually, at the Lender's
sole discretion and the final disbursement amount shall be based on the Lender's internal policies
and eligibility criteria applicable to the Borrower
5. 1.5 The Borrower understands that for accessing eligibility, Lenders may ask for certain Personal
Information (including Sensitive Personal Information), each as defined under applicable law.
Borrower hereby expressly and irrevocably authorizes the Lenders to collect, store, share, obtain,
disclose and authenticate any aspect of my personal information CKYC/ KYC either directly or
through any of the authorized agencies and/ or statutory authorities like UIDAI. In this regard,
Borrower expressly and irrevocably authorizes the Lenders to collect, use, share, store, in any
manner without any notice to the Borrower for comprehensive credit profiling and as required by
law.
6. 1.6 The Borrower understands that this Agreement is valid for the Loan, taken from time to time,
within 3 years from the Effective Date.
7. 1.7 At the request of the Borrower, the Lender may in its sole discretion agree to the Borrower
 re-borrowing any amount(s) under this Agreement for such amounts and for such further periods
as the Lender may deem fit in its sole discretion and/or in compliance with applicable laws and
including, the Lender's discretion in revising any of the conditions for the Loan including,
specifying additional conditions, which shall all be binding on the Borrower. The rate of
interest/tenure and change in conditions shall be as intimated by the Lender to the Borrower.
Notwithstanding this, upon any such request being made by the Borrower, the Borrower shall
have deemed to have warranted and represented to the Lender that no Event of Default has
occurred and/or is in existence or continuing.
8. 1.8 There will be no automatic increase in the credit limit unless explicit consent of the borrower
is obtained
9. 1.9 The Loan shall be subject to the terms and conditions agreed herein between the Lender and
the Borrower.

2. 2 DISBURSAL OF THE LOAN

1. 2.1 The Loan will be disbursed to the Borrower in one or more instalment(s) as may be required
by the Borrower. The disbursement shall be through the agreed mode of disbursement in the
Application Form.
2. 2.2 Borrower also authorizes lender to disburse the loan to third party as already agreed between
them.
3. 2.3 In case of purchase made by Customer at Co-Lenders tied up merchants, the Customer's
request for loan shall be processed as per the standard practice of Co-lenders and pursuant to
Valid Confirmation by the Customer, it shall be deemed as disbursed once the Loan amount or
part of the Loan amount is transferred from Co-Lenders account to the Merchant Account.

3. 3 INTEREST AND CHARGES

1. 3.1 The Borrower shall pay interest, penal charges along with processing fee, late payment fees,
ECS/NACH/cheque bounce charges and roll over fees (collectively Charges) at the rate as
detailed in Annexure 1 herein, and as per the time frame agreed in the Mobile Application Form.
2. 3.2 Notwithstanding the above, the Borrower understands that the rate of interest or the Charges,
may change as per thepolicies of Lender or as per applicable laws and regulations. The revised
interest or charges shall be communicated to the Borrower through the Mobile App, email or
otherwise. On account of upward revision of interest or Charges, Lender will have absolute
discretion to revise the instalments applicable to the repayment of the Loan, and the Borrower
shall be liable to repay the Loan based on such revised interest or the Charges. Lender shall
ensure that such change in the rate of interest or the Charges is affected only prospectively.
3. 3.3 The Borrower understands, agrees and confirms that in case the Borrower re-borrows any
amount under the Loan, aprocessing fee shall be paid by the Borrower at the rate as mentioned by
Lender from time to time.
4. 3.4 In the event the Borrower commits a default in the payment of Amount Due (defined below)
against the Loan or the Borrowercommits any breach of any obligations under this Agreement or
under any other instrument in respect of the Loan, the Borrower shall be liable to pay default
interest and applicable Charges at the rate as specified in Annexure 1 herein, with monthly rests,
from the date of default till the date of realization by Lender. The payment of default interest and
Charges shall not absolve the Borrower of the other obligations in respect of such breach or
default or affect the rights of Lender in respect of the breach or default.

4. 4 REPAYMENT AND PREPAYMENT OF THE LOAN

1. 4.1 The Borrower agrees to repay the Loan instalment(s) together with interest, default interest (if
any) or the Charges, dues andtaxes (as applicable) (Amount Due) on agreed due date/s within the
 period specified in the Mobile Application Form. Borrower understands that its obligations under
this Agreement, shall be valid and binding, until the repayment of the Amount Due, to the
satisfaction of Lender.
2. 4.2 At the request of the Borrower, Lender may accept the prepayment and foreclosure of the
Loan as per the terms agreedunder the Agreement.
3. 4.3 The Borrower will remain liable under/in respect of the Repayment Instrument(s) (defined
below), even if partial paymentshave been made towards the Loan, from time to time, or the
Loan amount has been revised. In case of death or insolvency of the Borrower, the outstanding
Loan along with Interest, default interest and the Charges will be recovered from his/her legal
heir/s, legal representative/s, executor/s, administrator/s.

5. 5 ECS MANDATE / E-MANDATE

1. 5.1 The Borrower has given Electronic Clearing System ("ECS")/NACH mandate, E-mandate
(collectively "RepaymentInstrument") in favour of the Lender for the repayment of the Loan now
or hereafter. The Borrower hereby unconditionally and irrevocably authorizes the Lender or any
other enforcing agency to enforce the Repayment Instruments towards payment of the Amount
Due. The Borrower shall ensure availability of funds in the account on which such Repayment
Instrument(s) have been drawn and the Borrower shall not at any time close his/her account
and/or issue any notice instructing the Lender not to present any such Repayment Instrument(s)
for encashment or instruct his/her bank to stop payment on any such Repayment Instrument(s).
2. 5.2 The Borrower further confirms that the Loan under this Agreement has been made available
on the basis of the RepaymentInstrument(s) issued by the Borrower in favour of the Lender. The
Repayment Instruments remain valid for all Loan along with interest, default interest and
Charges.
3. 5.3 In case the Borrower does not comply with the aforesaid, the Lender shall still be entitled to
present/invoke the RepaymentInstrument(s). The dishonour/failure of the Repayment
Instrument(s) shall be treated as an Event of Default under this Agreement.

6. 6 EVENT OF DEFAULT
The Borrower shall be deemed to have committed an act of Default if the Borrower does not comply
with his/her obligations as mentioned in this Agreement and also on the happening of one or more of
the following events (each an "Event of Default" and collectively "Events of Defaults"):
a. 6.1 Default has occurred in the repayment of the Loan along with interest, default interest or the
Charges on the due date/s or ondemand whether under this Agreement or under any other
Agreement with the Company;
b. 6.2 In the opinion of the Lender, Borrower has breached the representations and warranties and
the covenants provided underthis Agreement.
c. 6.3 In the opinion of the Lender, the Borrower have defaulted in the performance of any
Covenant, condition or agreement underthis Agreement.
d. 6.4 The Borrower are or becomes a party to any litigation, arbitration, administrative or other
action, investigation by anygovernmental entity, claim, suit or proceedings which would have a
material adverse effect on the terms of this Agreement within the jurisdiction of NCT of Delhi.
e. 6.5 The Borrower fails to furnish any information or document that may be required by the
Lender from time to time; or
f. 6.6 If any proceedings are pending or threatened against the Borrower by any Authority for any
misconduct or breach/violation ofany law or regulations or code of conduct, etc.

Upon occurrence of an Event of Default,

 a. 6.1 The outstanding amount of the Loan shall forthwith become payable to the Lender, without
any notice to the borrower.
b. 6.2 Terminate the Loan and declare all obligations immediately due and payable; and/or
c. 6.3 Stop advancing money or extending credit for the Borrower's benefit under this Agreement or
any other agreement Between the Borrower and the Company, and terminate the right of the
Borrower to avail of or make drals from the loan; and/or
d. 6.4 Take any action and proceed under any applicable law or statute against the Borrower.
e. 6.5 Enforce the Security, if any available;
f. 6.6 The Borrower agrees that the payment of entire amount due to Lender under this Agreement
can always be enforced against the Borrowers estate and assets and this Agreement shall be
binding upon "their heirs, executors, legal representatives and administrators of the Borrowers.
g. 6.7 The Lenders shall be entitled to take such legal action as it may deem fit, upon the occurrence
of any of the Events of Default as set out and agreed by me/us in this Agreement. Further the
borrower agrees that the account shall be classified as Non-Performing Asset (NPA) as per the
extant RBI Circulars/Regulations when the payment of Loan Instalment (principal and/or
interest) remains overdue for more than 90 days, that is, the account will be marked as NPA on
the 91st day of continuous default from the original due date.

To further clarify this following is an illustrative example of the way any account shall be
classified as NPA:
If due date of a loan account is March 31st, 2021, and full dues (Principal and Interest) are not
received before running of the day-end process on 31st March 2021, the date of overdue shall be
considered to be March 31st, 2021.
If the account continues to remain overdue, then the account shall get tagged as SMA1 upon
running day-end process on April 30th, 2021, i.e., upon completion of 30 days of being
continuously overdue. Accordingly, the date of SMA-1 classification for that account shall be
April 30th, 2021. Similarly, if the account continues to remain overdue, it shall get tagged as
SMA-2 upon running day-end process on May 30th, 2021, and if it continues to remain overdue
further, it shall get classified as NPA upon running day-end process on June 29th, 2021 i.e., upon
completion of 90days.

7. 7 REMEDIES IN CASE OF DEFAULT

The Lender shall have the following remedies without prejudice to its other rights and remedies under
this Agreement, in law or inequity:
1. 7.1 The Lender shall be entitled to recover the charges for bouncing of the Repayment
Instrument(s), default interest and other penal charges from the Borrower as mentioned in
Annexure 1.
2. 7.2 Any other remedy which may be available under law during the pendency of the Loan
including without limitation the remedy under section 138 of the Negotiable Instruments Act,
1881 and under section 25 (1) of Payment of Settlement System Act, 2007.
3. 7.3 In addition to the rights specified in this Agreement, the Lender shall be entitled to take all or
any action with or without intervention of the Courts to recover the monies due and payable by
the Borrower under this Agreement.
4. 7.4 Notwithstanding any other rights available to the Lender under this Agreement, 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 to the Lender.
 5. 7.5 All rights and powers conferred on the Lender by 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 security documents and shall not be in derogation thereof.

8. 8 REPRESENTATIONS AND WARRANTIES

1. 8.1 Borrower represents and warrants to the Lender as follows:
a. 8.1.1 upon execution by the Borrower, this Agreement will constitute a valid, enforceable
and legally binding obligation of the Borrower;
b. 8.1.2 the Terms and Conditions and the information provided are binding on the Borrower.
c. 8.1.3 there is no law, regulation, decree or act and no provision of any existing contract,
agreement or instrument to which Borrower is a party that would be contravened by this
Agreement or by the performance or observance of any of its terms; (d) all information
furnished by or on behalf of the Borrower in connection with obtaining the Loan, whether
prior to the date hereof or contemporaneously with the execution of this Agreement and all
information furnished hereinafter, is and will be true, correct and complete in all material
respects as on the date on which such information is provided or certified. 8.2. The
representations and warranties above shall be deemed to be repeated by the Borrower on
and as of each day from the date of this Agreement until all the outstanding Loan, interest,
default interest and the Charges due or owing hereunder by the Borrower to the Lender
have been repaid in full.

9. 9 COVENANTS
The Borrower hereby covenants that the Borrower shall:
a. 9.1 ensure timely payment of the Amount Due and ensure that the Repayment Instrument(s) are
honoured on presentation.
b. 9.2 utilize the Loan only for use agreed upon through this agreement and not use the same for any
other purpose including making investment in the capital market or for any speculative purposes,
unlawful purposes and/or anti-social purpose. The Lender shall have the right to recall the Loan
if the funds are used for any speculative, unlawful and/or anti-social purposes;
c. 9.3 Promptly notify the Lender through a written notice, of any change in the Borrower's mobile
number, postal address or any other details provided in the Application Form.
d. 9.4 Execute any and all documents, as the Lender may require, from time to time, for duly or
more perfectly securing the repayment of the Loan.
e. 9.5 Utilize any money received under an insurance claim by the borrower, including legal heirs,
for the repayment of the outstanding amount of the Loan.
f. 9.6 not default or delay in the repayment of outstanding Loan amount along with interest, default
interest or the Charges and dues beyond the respective due dates.

10. 10 INDEMNIFICATION
The Borrower hereby expressly agrees to indemnify, defend and hold the Lender and its directors,
officers, employees, agents, attorneys or any other Person affiliated with or representing the Lender
harmless against
i. 10.1 all obligations, demands, claims, and liabilities (collectively "Claims") asserted by any other
party in connection with the transactions contemplated by the Loan Documents; and
ii. 10.2 all losses or expenses incurred, or paid by the Lender, following or arising from transactions
between the Lender and the Borrower (including reasonable attorney's Charges and expenses),
except for claims and/or losses directly caused by the Lender's gross negligence or wilful
misconduct.
11. 11 AUTHORIZATION AND DISCLOSURES
1. 11.1 The Borrower authorizes the Lender to engage or appoint one or more person(s) to verify
any fact or information furnished by, concerning and pertaining to the Borrower and/or to collect
any and all Borrower information or activities relating to the administration of the Loan including
the rights and authority to collect and receive on behalf of the Lender all dues and unpaid
instalments. And other amounts due by Borrower under this Agreement. The Borrower expressly
accepts and authorizes the Lender (and/or any such third party as the Lender may appoint from
time to time) to contact third parties (including the family members of the Borrower ) and
disclose all necessary or relevant information pertaining to the Borrower and the Loan, and the
Borrower hereby consents to such disclosure by the Lender (and/or any such third party as the
Lender may appoint)
2. 11.2 The Borrower also authorizes the Lender or any third party (authorized by the Lender) to
collect data from Credit Information Companies ("CICs").
3. 11.3 The Borrower agrees and authorizes the Lender to disclose, from time to time, any
information relating to the Borrower and/or the Loan to; (a) any employee or representative of
the Lender or to third parties engaged by the Lender , from time to time, for purposes of this
Agreement; (b) the CICs and other agencies authorized by the Reserve Bank of India or any other
regulatory authority, which may use, process, disclose and furnish the said information, in any
manner as it may deem fit; (c) to any group companies and/or to any of the Lender's service
providers, insurers or insurance brokers or professional advisers; and/or credit rating agencies.
4. 11.4 The Lender shall give notice to the Borrower of any change in the terms and conditions
including the disbursement schedule, interest rates, the Charges, repayment terms etc.

12. 12 LIMITATION OF LIABILITY

Borrower expressly understands and acknowledges that the Lender shall not be liable for any direct,
indirect, incidental, Special, consequential or exemplary damages, including but not limited to, damages
for loss of profits, goodwill, use, Data or other intangible losses, even if the Lender has been advised of
the possibility of such damages.

13. 13 DISPUTE RESOLUTION AND GOVERNING LAW

In future any of the parties will not fulfil the above-mentioned terms and conditions then the other party
will have full right to enforce this agreement through Indian Courts of Law. Any dispute or difference
arising out of or in connection with this Agreement shall be referred in the Jurisdiction of Delhi Courts
only.

14. 14 MISCELLANEOUS
1. 14.1 The Borrower hereby state that the contents of the Loan Documents have been read over and
explained to the Borrower in the local language and that the Borrower have understood the
contents of the Loan Documents and only then affixed the signature to the said Loan Documents.
2. 14.2 Except as otherwise provided herein, all Charges and expenses incurred in connection with
or related to this Agreement shall be paid by the Borrower. The Borrower shall be liable to pay
any tax, stamp duty, stamp duty penalties, registration Charges, penalties as may be incurred by
the Borrower or the Lender, for performance or enforcement of this Agreement.
3. 14.3 The parties hereto confirm and acknowledge that this Agreement, Application Form, and the
Annexure(s) herein, constitute the entire agreement between them and shall supersede and
override all previous communications, either oral or written, between the parties with respect to
the subject matter of this Agreement, and no agreement or under-standing varying or extending
the same shall be binding upon any Party hereto unless arising out of the specific provisions of
this Agreement.
4. 14.4 Should any part of this Agreement be declared illegal or unenforceable by a court of
competent jurisdiction, the same shall not alter the validity or enforceability of any other term or
provision of this Agreement.
5. 14.5 The Borrower shall not in any manner be entitled to assign his/her rights and obligations
under this Agreement. Notwithstanding anything to the contrary contained in the Agreement, the
Lender shall have the right (in full or in part) to assign and/or transfer and/or novate its rights or
obligations under this Agreement and/or the outstanding amount or other arrangement for risk
sharing, whether with or without recourse to the Lender, to one or more banks or any other entity,
trust, any association, without any reference or notice to the Borrower.
6. 14.6 No amendment, modification or addition to this Agreement shall be effective or binding
upon either of the parties hereto unless set forth in writing and executed by them through their
duly authorized representatives.
 ANNEXURE 1

BORROWER: Shaik Bilal PAN: AWMPB4507F

DESIGNATION: operator COMPANY: Hindustan zinc limited

ADDRESS: tawalkal nagar ameerpet Srinagar colony Hyderabad , Hyderabad, Telangana, 500073

OVERALL LIMIT: 45000 CURRENT SANCTION: 5000

EFFECTIVE DATE: 01-06-2024

As of Effective Date, the Schedule of Interest and the Charges are as follows:

Lender Charges:

1. 1 Interest Charges - Interest on the Loan Maximum interest rate: The Interest rate on the Loan shall
not exceed flat 36% per annum charged on Monthly rests. Current Monthly Interest charges are as
follows:
Credfin Mini
Amount 5,000 - 10,000
Installment(s) 1 2
APR 120% 120%

Credfin Salary Advance

Amount 11,000 - 2,00,000
Installments 1 2 3 6 12
APR 36% 36% 36% 30% 24%

2. 2 2. ECS/NACH mandate reject charge: In the event, the ECS/NACH mandate registration is rejected,
Lender will charge rejection charges not exceeding Rs 250/-per rejection.
3. 3 3. Charges for bouncing of the Repayment Instrument(s): In case of default by reason of the
Repayment Instrument(s) being dishonoured, Lender shall charge 500/- per month / per default towards
its dishonour.
4. 4 3 Days of Cooling off/look-up period during which borrower shall not be charged any penalty on
prepayment of loan.
5. 5 Prepayment Charges: In case of prepayment there will be a waiver of 18% interest on the outstanding
amount.
6. 6 The amount on NACH Mandate is 100% of take-home salary amount as it covers possible increase in
limit in near future, processing fee and Interest levy and other charges levy in event of default.
7. 7 Processing fee inclusive of GST will be charged
8. 8 Collection Charges: In case of delay in payment of amount due, collection charges not exceeding 3%
per month on the amount due, subject to a minimum of Rs 500 plus GST
9. 9 The Lender, may at its sole discretion, waive or reduce the charges as mentioned above, on a case-to-
case basis.

Installments
TOTAL LOAN 1 2 3 6 12
5000 to 10000 590 708 NA NA NA
 Installments
11,000 to 20,000 708 826 826 NA NA
21,000 to 40,000 826 1062 1298 1888 NA
41,000 to 60,000 1062 1534 1888 2478 4838
61,000 to 80,000 1298 1888 2478 3068 6018
81,000 to 1,00,000 1534 2242 3068 3658 7198
1,01,000 to 1,50,000 NA NA NA 4838 9558
1,51,000 to 2,00,000 NA NA NA 6018 11918

IN WITNESS WHEREOF the Parties have executed this Agreement on the day and the year as
mentioned in the First Schedule.
The agreement has been signed digitally using either of the two method- Aadhaar based OTP
verification or Registered Number & Email Id based OTP verification.

WITNESS:

1. 2.

SIGNED AND SEALED BY ARHAM FINANCE AND INVESTMENT SERVICES LIMITED through its
authorized signatory

Authorised Signatory Signature Image

Authorised Signatory

SIGNED AND DELIVERED by the within named Borrower

Shaik Bilal