eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

LOAN AGREEMENT
This Agreement is made at the place and on the date as stated in the schedule hereunder written (“the Schedule”) Between The Borrower, described in the
Schedule hereinafter referred to as “the Borrower” of the ONE PART; AND MUTHOOT FINANCE LIMITED A Company incorporated under the companies
Act 1956, registered as a non – banking financial company under the provisions of the Reserve Bank of India Act 1934 having its registered office at
MUTHOOT CHAMBERS, OPPOSITE SARITHA THEATRE COMPLEX, BANERJI ROAD, ERNAKULAM, KERALA – 682018, INDIA, here in after referred
to as “the
Company” (Which Expression shall, unless repugnant to the context of meaning thereof, shall be deemed to mean and include its successors and assigns)
of the OTHER PART.

The Borrower and the Co- Borrower shall unless it is repugnant to the context or meaning thereof jointly referred here in after as the Borrower.

THE BORROWER HEREBY IRREVOCABLY AND UNCONDITIONALLY AGREES TO ABIDE BY THE FOLLOWING TERMS AND CONDITIONS:

1. Definitions: The terms and expressions contained in this Agreement and specified in the Schedule are defined as under.

“Loan” means the aggregate principal amount drawn down that may be granted by the Company to the Borrower (s), notwithstanding that the amount of the
Loan drawn down may be less than the amount applied for or granted by the Company.

“Lending Branch” or “Concerned Branch” shall mean the company’s branch, at which the Loan is disbursed,

“Outstanding Balance” means the balance of the Loan outstanding and unpaid interest, costs, charges, expenses and any other amounts payable by the
Borrower in respect of or incidental to the borrowing or its recovery or realization.

2. On the request of the Borrower, the Company has agreed to grant to the Borrower a loan on the terms and conditions as co the outstanding balances
at the end of each month. The Company shall however at its discretion be entitled to revise from time to time, upwards or onwards, the rate of interest
applicable for the loan during the subsistence of this agreement, including on account of changes in interest rates made by the Reserve Bank of India from
time to time. Such variation(s) would be subsequently intimated to the borrower and would be binding upon the borrower.

3. The Borrower shall repay / pay the loan and interest that is due from time to time in equated monthly installments (EMI’s) as specified in the schedule.
The Borrower confirms having perused, understood and agreed to Company’s method of calculating EMI’s as also the appropriation thereof into principal
and interest. The Borrower shall also pay and bear all interest tax and other taxes as may be applicable. The mode of repayment of installments of the said
loan will be either PDC’s or Electronic Clearing System (ECS) to debit the customers Bank account or any other mode as may be agreed by the Company.
Irrespective of the mode, non – receipt of the installments / loan repayment on the due date will be treated as an event of default.

4. The Borrower has delivered to the Company, post-dated cheques for the EMI’s. Submission of such PDCs shall be deemed to be an unconditional and
irrevocable authority given by the Borrower to the Company to present the cheques for payment to the Company, on their respective date on which the
same are drawn and the Borrower warrant/s that the cheques will be honored on the first presentation. Any non-presentation of a cheque(s) due to any
reason will not affect the liability of the Borrower to pay the EMI’s or any other sum that may become due. The Borrower shall be bound to forthwith replace
the cheques or issue fresh cheques if required by the Company.

5. Alternatively, the Borrower has irrevocably and unconditionally authorized and instructed his Bank, through Electronic Clearing System (ECS)
instructions to debit the Borrower’s account towards the EMI’s. The Borrower undertakes to maintain sufficient balance in the said account on which the
instructions are issued and warrants the instructions will be honored on the respective due dates. The Borrower agrees and acknowledges that the
Company may at its sole and absolute discretion at any time hereafter discontinue arrangement of debiting the said account through the instructions and
insist for delivery of PDCs for the EMI, which shall be delivered by the Borrower to the Company forthwith.

6. Simultaneously with the execution of this document, the Borrower shall pay to the Company non- refundable processing / service charges as stated in
the Schedule.

7. Without prejudice to the Company’s other rights, the Company shall be entitled to demand immediate payment / repayment of the EMI’s, the
outstanding balance of the Loan, interest, additional interest, fees, costs, charges, expenses, stamp duty and all other sums payable by the Borrower to the
Company under this Agreement and /or in connection with the Loan and the applicant shall pay / prepay the same to the Company within 24 hours of the
Company demand, if

7.1 The Borrower fails to pay any amount under this agreement on or before the due date or commits breach of any of the terms, covenants or
conditions contained in this agreement; or

7.2 It is found that the Borrower committed a default under any other agreement(s) with the Company;

7.3 There exists any circumstance which in the opinion of the Company prejudicially affects or may affect the Company’s interest or the Borrower’s
ability to repay the loan;

7.4 If it is found that the Borrower has made any misrepresentation to the Company;

7.5 If the Borrower commits an act of insolvency or if the Borrower is declared insolvent or bankrupt or if a liquidator, receiver or official assignee is
appointed in respect of any property or estate of the Borrower or if the Borrower asks any application for declaring himself an insolvent or if an
application for declaring the Borrower as insolvent is made or any order is passed by the competent court or authority for taking the Borrower
into insolvency;

7.6 If the Borrower or any partner or Director of the Borrower ceases to carry on the declared profession and /or becomes disqualified or disentitled
(temporarily or permanently) from carrying on the declared profession and or ceases to be a member of the association of professionals of
which the Borrower or any partner or Director of the Borrower is a member and /or if any disciplinary proceeding or action is instituted or taken
against the partner or Director of the Borrower; or

7.7 If there is any change in the status or constitution of the Borrower and such change has not been communicated to the Company or if the
change although communicated, is considered by the Company to be a material change.

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

8. Notwithstanding anything stated elsewhere in this document, the continuation of the loan shall be at sole and absolute discretion of the Company and
the Borrower’s outstanding amount shall be payable to the Company on demand. The Company may at any time in its sole discretion and without assigning
any reason call upon the Borrower outstanding and thereupon the Borrower shall, within 48 hours of being so called upon, pay the whole of the Borrower
outstanding to the Company without any delay or demur.

9. If the Borrower defaults in making any payments due pursuant to this document, the Borrower shall pay to the Company additional chargest as Penal
Charges at the rate stated in the Schedule (or at such higher rate as the Company may specify from time to time) on the entire amount outstanding from
the date of default till the date of payment of the entire outstanding amount.

10. All sums payable by the Borrower to the Company shall be paid without any deductions whatsoever at the concerned branch or at such other place
as the Company may specify or shall be so paid as to enable the Company to realize the sum on or before the due date. Credit for payments will be given
from the date of realization.

11. The Borrower hereby confirms declares and agrees:-

11.1 Notwithstanding anything to the contrary contained herein , If any law , regulation, order or directive (whether or not having the force of law)
shall be enacted or issued or any existing law, regulation or directive is changed or its interpretation varied by any government or any Court or
howsoever, materially or changing any reserve requirements or tax statutes thereby in any way reducing for the Company the sums or
revenue from receivable, the EMI’s shall automatically stand increased and the same shall be binding upon the Borrower(s).

11.2 That the Company shall be entitled to recomputed the EMI’s if the Company varies the interest rate.

11.3 Any variation in the interest rate intimated to the Borrower would be binding upon the Borrower and the Borrower shall not be entitled to
dispute or question the same on any ground whatsoever.

11.4 The Borrower shall reimburse or pay to the Company the amount paid or payable to any Government authority or any other regulatory agency
whether in India on account of any tax levied by the Government authority oragency or interest or any other amount (and/or other charges
including the interest) on the loan provided by or (as the context may require) due to the Company. The Borrower shall make reimbursement
or payment on demand without demur as and when called upon to do so by the Company.

11.5 To bear and pay all taxes, rates, duties, stamp duty, charges and other imposts and obligations, existing as well as future, in respect, of the
transaction hereunder.

11.6 That the Company shall have a paramount right of set off and right of lien on all monies, accounts, securities, deposits, goods and other asset
and properties belonging to the Borrower or standing to the Borrower’s credit (whether singly or Jointly with other person/s) which are or may
at any time with or in the possession or control of any branch of the Company for any reason or purpose whatsoever.

11.7 That any statement of account furnished by the Company shall be accepted by and be binding on the Borrower and shall be conclusive proof
of the correctness of the amounts mentioned therein. If the Borrower desires to question any part thereof, the Borrower shall inform the
Company full details of the same within 15 days of the receipt of the statement of account by the Borrower and Borrower shall not be entitled
to do so thereafter on any ground whatsoever (and deemed to have been accepted by the Borrower if there are no queries within 2 week from
receipt of the statement).

11.8 That the Borrower shall not change its name or constitution or close or change the account on which the post- dated cheques are drawn
without the prior written consent of the Company. Further the Borrower shall not be entitled to call upon the Company to refrain from
presenting any cheque and / or any instruction for payment to the Company on account of “Stop Payment” instructions or for any reason
whatsoever and if the Borrower does so, and the Company shall nevertheless be entitled to present the cheque and / or carry out any
instruction given to the Company for payment. In the event of the dishonor of such cheque and /or non – carrying out of the instruction given to
the Company, the provisions of clause (ix) shall apply.

11.9 The Borrower agrees to give Post Dated Cheques (PDCs) / Standing Instructions /ECS Instructions for the repayments of the Loan and is fully
cognizant of the fact that dishonor of cheques / ECS Instructions is a criminal offence under the law. It is understood and acknowledged by the
Drawer of the aforesaid PDCs that non presentation of the PDCs on the part of the Company due to any reason whatsoever will not affect the
liability of the Borrower to repay the loan. The Drawer of the PDCs agrees to replace the cheques if required by the Company.

11.10 The Borrower undertakes to the Company to honor all payments without fail and not to instruct the Bankers to stop the payment of the
cheques / countermand the cheques / revoke the ECS instructions. The Borrower shall not instruct the Company to withhold depositing the
cheques. In case of dishonor of cheques or any other instruments issued by the Borrower or where the Borrower revokes the ECS instruction
issued by them to the drawee Bank or where despite the Borrower having issued the instructions to the Drawee bank under the ECS mode the
Company has not received the monies equivalent to the installment, the Borrower agrees and undertakes that they are liable to pay the
installment along with Cheque Bounce charges and Penal Charges as stated in the schedule to the agreement and shall also be liable to
reimburse to the Company costs and expenses, including legal fees. The Company will issue no notice reminder or intimation to the Borrower
regarding the presentation of the aforesaid cheques /ECS as the case may be. Nothing contained in this clause shall prejudice the other rights
of the Company in law or otherwise.

11.11 That if any cheque given by Borrower to the Company is dishonored for any reason whatsoever then, without prejudice to the Company other
rights (including those under chapter XVII of the Negotiable Instrument Act 1881, The Payment and Settlement Systems Act), the Borrower
shall be charged and pay to the Company Cheque Bounce Charges as stated in the schedule.

11.12 That the Borrower will if required, subject to the Company prior permission, swap / interchange the cheques issued and drawn in one bank to
that of the other bank on paying the Company Cheques Swapping Charges as stated in the schedule to the Agreement.

11.13 That the Borrower shall comply with and be bound by the Company rules and charges, which may change at the Company discretion from
time to time.

11.14 That the Borrower is a major and is competent in law to execute this document.

11.15 The Borrower shall obtain the proper written permission from the Company before borrowing any amount from other banks, financial
institutions.

11.16 Any claims, demands, actions, costs, expenses and liabilities incurred or suffered by the Company by reason of non – payment or insufficient
payment of stamp duty by the Borrower on this agreement / Document and anyother writings or documents which may be executed pursuant
to and /or in relation to this document.

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar
(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

11.17 The Borrower (in case of a company) has taken all necessary corporate and other actions for execution of this document and availing the
Loan from the Company; and the execution hereof constitutes legal, valid and binding obligations of the Borrower. And that there is no suit,
action or proceedings against the Borrower pending before any Court of Law, which might affect the Borrower’s liability to perform its
obligations hereunder.

11.18 In the event (a) the Borrower does not utilize the Loan, or (b) the Borrower requests the Company to cancel the Loan within 7 days of the
issuance of cheque/demand draft of the Loan to the Borrower and / or insurance company on behalf of the Borrower, as the case may be,
the Borrower shall be liable to pay cancellation charges and other charges, if any, as set out in the schedule hereunder written.
Notwithstanding anything contained herein the Company may at its sole and absolute discretion, suspend or cancel the Loan if the same is
not utilized within the time as mentioned above in this clause.

12. The Company at its sole discretion and on such terms as to payment as it may prescribe, permit acceleration of EMI’s or prepayment at the request of
the Borrower. The Borrower may prepay the entire outstanding loan (but not a part thereof) by giving to the Company at the concerned branch not less than
15 days’ notice in writing of the Borrower’s intention to prepay and paying to the Company in full the outstanding principal amount of the loan, all
outstanding EMI’s interest, charges and other sum payable by the Borrower to the Company. The prepayment shall take effect only when cash has been
paid or cheques have been realized. Prepayment can be made only after payment of first EMI. Prepayment Charges as stated in the Schedule on the
outstanding principal amount of the Loan, or such rates as decided by the Company will be applicable.

13. At the request of the Borrower, the Company may at its own discretion also finance the insurance premium of an insurance policy insuring the
Borrower against the risks of personal accident, accidental hospitalization, outstanding amount of the Loan to the Company and/or critical illness provided
that such insurance policy has been taken out by the Company on behalf of the Borrower from an insurance company approved by the Company with a
specific instruction and authority by the Borrower to such insurance company that in case of any loss reported under the section of “outstanding amount of
loan to the company’, the loss will be paid to the Company by such insurance company. Such insurance premium paid by the company on behalf of the
Borrower shall be added as the principal amount to the Loan granted herein and shall from part of the Loan. The Borrower shall pay to the Company the
amount towards insurance premium as mentioned above which may be loaded to the installments. The insurance premium being a part of Loan may be
disbursed by the Company directly to such an insurance company approved by the Company and such disbursement shall be deemed to be disbursement
to the Borrower. Wherever the Borrower agrees for the insurance coverage, all expenses, charges, fees service tax and other taxes etc. as applicable shall
be incurred and paid by the Borrower. In the event the said charges are paid by the Company on Borrower’s behalf, the Borrower shall reimburse the same
to the Company within 24 hours of the Company demand.

14. The Company shall at any time, without any consent of or reference to the Borrower be entitled to securitize, sell, assign, discount or transfer all or
any of the Company’s rights and obligations under this document to any person(s) of the Company choice in whole or in part and in such manner and on
such terms as the company may decide. Any such sale, assignment or transfer shall conclusively bind the Borrower. The Borrower shall not be entitled to
directly or indirectly assign the benefit or obligation of this document.

15. The Borrower expressly recognizes, accepts and consents that the Company shall be absolutely entitled and have full power, authority to sell, assign,
securitize or transfer in any manner, in whole or in part and such manner and on such terms as the Company may decide including reserving a right to the
Company to retain its power hereunder to proceed against the Borrower on behalf of the purchaser, assignee or transferee, any or all outstanding and dues
of the Borrower, to any third party of the Company choice without reference to or without intimation to the Borrower. Any such action and any such sale,
assignment, securitization or transfer shall bind the Borrower to accept such third party as creditor exclusively or as a joint creditor with the Company, or as
creditor exclusively with the right to the Company to continue to exercise all powers hereunder on behalf of such third party and to pay over such
outstanding and dues to such third party & or to the Company as the Company may direct. The third party shall have the authority of the Borrower/s to
collect the due amounts.

16. The Borrower hereby authorizes the Company at the risk and cost of the Borrower to engage one or more Person(s) to verify any fact or information
furnished by, concerning and pertaining to the Borrower and /or to collect the Borrower Outstanding and/ or to enforce any security & may furnish to such
person/s such documents, information’s, facts & figures as the Company deems fit.

17. The Borrower expressly recognizes and accepts that the Company shall without prejudice to its rights, perform such activities itself or through its
officers or employees or third parties, or delegate all or any of its functions, rights and powers under this document relating to the administration of the Loan
including the rights and authority to collect and receive on behalf of the Company from the Borrower all dues and unpaid installments and other amounts
due by Borrower under this document and to perform and execute all lawful acts, deeds, matters and things connected therewith and incidental thereto
including sending notices contacting the Borrower, receiving Cash/Cheques/Drafts/ Mandates from the Borrower and giving valid and effectual receipts and
discharge to the Borrower. For the purposes aforesaid or for any other purposes at the discretion of the Company, the Company shall be entitled to
disclose to such third parties all necessary or relevant information pertaining to the Borrower and the Loan and the Borrower hereby consents to such
disclosure by the Company, notwithstanding the above, the Borrower expressly accepts and authorizes the Company (and/or any such third party as the
Company may select) 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 Company (and/or any such third party as the Company may
select).

18. Any notice pursuant hereto shall be deemed to be duly served if sent by Registered Post addressed to the Borrower’s address/es given in the
schedule and such notice shall be deemed to take effect on the third working day following the date of the posting thereof.

19. All costs (including advocates costs), charges, expenses, taxes, duties (including stamp duties) in connection with this agreement, any document
executed pursuant here to and the creation, enforcement, realization or attempted realization of any security shall be incurred and paid by the Borrower
alone. In the event the stamp charges as aforesaid are paid by the Company on the Borrower’s behalf, the Borrower shall reimburse the same at actual to
the Company within 24 hours of the Company demand.

20. Any dispute or difference arising between the parties shall be subject to the competent courts in Ernakulam having jurisdiction over the subject
matter.

21. Any delay in exercising or omission to exercise any right, power or remedy accruing to the Company under this document or any other agreement/
document shall not impair any such right, power or remedy and shall not be constructed to be waiver thereof or any acquiescence in any default, nor shall
the action or inaction of the Company in respect of any default or acquiescence by it in any default, affect or impair any right, power or remedy of the
Company in respect of any other default.

22. If there are two or more Borrowers, all reference to the ‘Borrower’ under this document shall be deemed to mean and include each of the Borrowers,
and the Borrowers liabilities under this document shall be joint and several.

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

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

24. Further, the Borrower agrees and gives consent for the disclosure by the Company of all or any such, (a) Information and data relating to the
Borrower; (b) The information or data relating to any credit facility availed of / to be availed, by the Borrower and (c) Default if any committed by the
Borrower, in discharge of such obligation, as the Company may deem appropriate and necessary to disclose and furnish to Credit Information Bureau
(India) Limited and any other agency, authorized in this behalf by RBI.

25. Borrower undertakes that the Credit information Bureau (India) Limited and any other agency authorized may, (a. use, process the said information
and data disclosed by the Company in the manner deemed fit by them; and (b) 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 in this
behalf.

26. The Borrower has read this entire document including the loan details and various charges as given in the schedules to the document which has been
filled in their presence. The Borrower shall be bound by all the conditions including the details stated in the schedule to the document. The aforementioned
Agreement and other documents have been explained in the language known to the Borrower(s) and the Borrower has understood the entire meaning of
the various clauses stated in this document and the schedules.

27. Any or all claims and/or disputes arising out of and /or relating to this agreement including any collateral Document shall be referred to arbitration in
accordance with the provisions of the arbitration and conciliation Act 1996 as may be amended, or its re – enactment, shall be settled by a sole arbitrator,
appointed by the Company, unless otherwise required by law. The costs of such arbitration shall be borne as determined in the award. If a party is required
to enforce an arbitral award by legal action of any kind, the party against whom such legal action is taken shall pay all reasonable costs and expenses and
attorney’s fees including any cost of additional litigation or arbitration taken by the party seeking to enforce the award. The arbitration proceedings shall be
conducted in English language and the place of arbitration shall be held, either in Cochin, Chennai, Bangalore, Hyderabad, Vishakhapatnam/Vijayawada,
Ahmedabad, Mumbai, Delhi & Jaipur.

28. The Borrower’s/Co-borrower’s/Guarantor agrees, that the payment of all the amounts due to the company under this agreement can always be
enforced against the Borrower’s/Co-borrower’s/Guarantor’s estate and assets and this agreement shall be binding: (i) if the Borrower’s/Co-
borrower’s/Guarantor is an individual or sole proprietor, on his/her heirs, executors and administrators, (ii) if where the Borrower’s/Co-borrower’s/Guarantor
is a partnership firm, on the partners or partner for the time being of the said firm, the survivor of them and the heirs, executors and administrators of the
last surviving partner, (iii) if the Borrower’s/Co-borrower’s/Guarantor is a company, on its successors in title and (iv) if the Borrower’s/Co-
borrower’s/Guarantor is an HUF, on the members of the HUF and his/her/their heirs, executors and administrators.

The Borrower has affixed their signature after verifying and understanding the contents of this document. The Borrower is aware that the Company shall
agree to become a party to this document only after satisfying itself with regards to all conditions and details filled by him/her in the Application for the Loan,
and this document is in consonance with the Company’s policy.

BORROWER CO-BORROWER / GUARANTOR AUTHORIZED OFFICER

NAME: Mr NAGELLA REDDY NAME: NAME:

SIGNATURE:

eSigned using Aadhaar Authenticated through Leegality.com (GQ421BF799)

(Leegality.com - GQ421BF799) Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

SCHEDULE

Loan Application No : 71660046918

Place of Agreement DIGITAL PL

Date of Agreement 05/12/2024

Name and Address of the Borrower Nagella Rajasekhar Reddy

H No 405 Gurunanak colony Sangrur 148001

Name & Address of the Co – Borrower / Guarantor

LOAN DETAILS

Loan Amount 253890.00

Loan Tenure - Months 36

First EMI Due Date 02/01/2025

Last EMI Due Date 02/12/2027

EMI due date of every Month 2

EMI Amount 11058

CHARGES TOWARDS PERSONAL LOAN

Interest Rate 32 % per annum Cheque swapping charges Rs.750/- + GST

Processing Fee (Non- 5992 Rs. (Inclusive of GST) Loan Cancellation Charges Rs. 5,000/- + GST
refundable)

Documentation Charges Rs. 885.0 (Inclusive of GST) Credit Administration Charges Rs. 885.0 (Inclusive of GST)

Statement of Account Rs. 500 + GST Duplicate NOC Charges Rs. 500 + GST
Charges

Stamp Duty As per applicable laws.

Prepayment Charges (from date of Disbursement)

Lock-in Period Internal Foreclosure 2.5% of Loan Outstanding + GST

6% of Loan Outstanding + GST 5% of 1% of Loan Outstanding + GST
Loan outstanding + Re-Schedulement Charges
GST

Penal Charges PL - Rs 0.80 per Rs 1000/day Cheque Bounce Charges Rs. 1,000/- plus GST

Collection Charges Actuals Legal Charges Actuals

Notice: - (a). The charges / interest rate (s) specified in this application form and / or the other transaction documents in relation to the facility are non-
refundable in nature and the rates are changeable, at the discretion of Muthoot Finance, from time to time. Muthoot Finance shall endeavor to give notice to
such changes. (b). Service Tax and all other applicable taxes / statutory levies, if any will be charged additionally.

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Insurance / protection Plan coverage Request Letter

Date: 05/12/2024

Place: DIGITAL PL

To,
The Personal Loans Department,
Muthoot Finance Ltd.

Sub: Request to cover Insurance Premium for my/our personal loan- App:- 71660046918

Sir,

Based on the Application submitted from my/our end Muthoot Finance Ltd has approved a personal loan of Rs. 253890.00 Further, I/We hereby request
to enrol me / us for the Insurance / protection Plans / offered by Insurance Company / Vendor in association with Muthoot Finance Ltd.

Since all the product details have been explained to me by the sales representative of Muthoot Finance Ltd., I am voluntarily consenting to enrol for these
products.

I/ we are further aware that there is an opt-out option made available to us and these products are voluntary

Loan with Insurance product

Loan without Insurance Product

I/ We have also read and understood the details of the plans and have requested to add the insurance premium amount / processing fees payable to the
insurance company / vendor if any to the approved/sanctioned loan amount.

Sl No. Type of Cover (Life / Health) Name of Insurance Plan Premium Amount (Rs)

1 Health Insurance NBHI EMI PROTECT 900

2 Health Insurance NBHI CRITICAL ILLNESS 1220

Total 2120

I/We hereby confirm that we have been explained the product details and have understood all the terms of the above insurance plan / protection plans

I/We authorize Muthoot Finance Ltd to pay the above mentioned premium amount to the insurance company, from my/our approved loan amount.

Further, I/we hereby agree that any dispute between insurance premium or claim, is between The Insurance company and me/us only, Muthoot Finance
Ltd is not responsible for the same once insurance premium paid and the policy is issued.

BORROWER CO-BORROWER / GUARANTOR

NAME: Mr NAGELLA REDDY NAME:

SIGNATURE:

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Request for Disbursement of Loan Amount

Date: 05/12/2024

To,
Muthoot Finance Ltd

REF: - Loan Application No:- 71660046918

I/ We hereby confirm that we have been sanctioned a Loan of Rs. 253890.00 ( Two Lakh Fifty Three Thousand Eight Hundred Ninety ) for a term of 36
months at a rate of 32 % PA. I hereby authorize Muthoot Finance LTD to deduct processing fee (including service tax), Insurance Premium (if applicable),
other charges, PRE EMI Interest and any other charges applicable for my loan, from the loan amount to be disbursed.

I/we hereby request you to credit the disbursement proceeds of my loan as per details mentioned below.

Bank Details for NEFT / RTGS

Beneficiary Name ( Account Title as held with Bank) NAGELLA RAJASEKHAR REDDY

Bank Account No 50100146353381

Name of the Bank HDFC BANK

Name of the Branch NEW DELHI - VASANT KUNJ

IFSC Code HDFC0000273

Disbursement Partly through Cheque / Demand Draft

I/ We here by request Muthoot Finance Ltd to disburse the above mentioned loan amount as per the following instructions.-

Sl No. Favoring Amount

I hereby confirm that the information given above is correct and I will be responsible for any factual inaccuracies. Thanking you,

Yours Sincerely,

Applicant: Co-Applicant

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Format for end use letter

Date : 05/12/2024

To,

The Manager,
Muthoot Finance Limited

Respected Sir,

Subject End use of Personal Loan

I/ We NAGELLA REDDY , have applied for Rs 253890.00 ( Two Lakh Fifty Three Thousand Eight Hundred Ninety ). This is to confirm that in case loan
is disbursed to us same shall be used for – PERSONAL USE

I/ we also confirm that the loan amount shall not be utilized for any speculative purpose or investment in stocks and shares.

Kindly consider the same.

Yours faithfully,

BORROWER CO-BORROWER / GUARANTOR

NAME: Mr NAGELLA REDDY NAME:

SIGNATURE:

eSigned using Aadhaar

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NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

MOST IMPORTANT TERMS AND CONDITIONS PLEASE READ CAREFULLY BEFORE SIGNING ACKNOWELDGEMENT
FORM

I/ We refer to final application form No- 71660046918 dated - 05/12/2024 submitted by me /us to Muthoot Finance. I/We have been provided the
following information and have accordingly filled up the aforesaid application form:

1. Loan Amount not Exceeding: 253890.00

2. Loan Originating Charges:Nil

3. Interest Rate: 32 % PA

4. Nonrefundable processing fee: Rs. 5992 ( Five Thousand Nine Hundred Ninety Two inclusive of Tax.)

Note :- The processing fee is a one-time nonrefundable fee, and is collected by Muthoot Finance for the purpose of appraising the Application for the facility
and the same is independent of the outcome / result of such appraisal.

In order to make the payment of processing fees mentioned above

i. I/we enclose cheque / DD Nofavoring Muthoot finance dateddrawn onbankbranch or

ii. I/ we hereby authorize Muthoot finance to debit the processing fee amount from the disbursal amount or.

iii. I/ We deposit the cash amount in words Rs.or.

iv. Other mode of payments (specify)

5. Total No. of Installments: 36 Numbers , payable in 36 Months

6. Prepayment Charges: As per the schedule.

7. Repayment of Loan – Auto debit will continue till realization of payment (Monthly)

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY
Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:21:21 IST Date: Thu Dec 05 16:22:26 IST 2024
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

CHARGES TOWARDS PERSONAL LOAN

Interest Rate 32 % per annum Cheque swapping charges Rs.750/- + GST

Processing Fee (Non- 5992 Rs., (Inclusive of GST) Loan Cancellation Charges Rs. 5,000/- + GST
refundable)

Documentation Charges Rs. 885.0 (Inclusive of GST) Credit Administration Charges Rs. 885.0 (Inclusive of GST)

Statement of Account Rs. 500 + GST Duplicate NOC Charges Rs. 500 + GST
Charges

Stamp Duty As per applicable laws.

Prepayment Charges (from date of Disbursement)

Lock-in Period Internal Foreclosure 2.5% of Loan Outstanding + GST

6% of Loan Outstanding + GST 5% of 1% of Loan Outstanding + GST
Loan outstanding + Re-Schedulement Charges
GST

Penal Charges PL - Rs 0.80 per Rs 1000/day Cheque Bounce Charges Rs. 1,000/- plus GST

Collection Charges Actuals Legal Charges Actuals

Notice:- (a). The charges / interest rate (s) specified in this application form and / or the other transaction documents in relation to the facility are non-
refundable in nature and the rates are changeable, at the discretion of Muthoot Finance, from time to time. Muthoot Finance shall endeavor to give notice to
such changes. (b). Service Tax and all other applicable taxes / statutory levies, if any will be charged additionally.

(b) . Service Tax and all other applicable taxes / statutory levies, if any will be charged additionally.

I/We acknowledge that:

● I/we have not made any payment in cash, bearer cheque or kind along with or in connection with this application to the executive collecting my / our
application form.

● The sanction, if and when the loan sanctioned, shall be governed by the terms and conditions applicable there to and it shall be my / our responsibility
to obtain the copy and read the same.

● Muthoot Finance has an unconditional right to cancel the outstanding un – drawn commitments under the transaction Documents at any time during
the currency of the loan and that Muthoot Finance shall endeavor to provide prior intimation of the same to me / us.

Name of the Applicant: NAGELLA REDDY Name of the Co-Applicant:

Applicant: Co-Applicant Authorised Signatory

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(Leegality.com - GQ421BF799) Authenticated through Leegality.com (GQ421BF799)
NAGELLA REDDY Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

To,

The Manager,
Muthoot Finance Limited

Subject: Declaration towards NACH (National Automated Clearing House) mandate

In order to ensure timely repayment of the Salaried Personal Loan / loan(s), monthly instalment, penalties, costs and / or any other outstanding amount(s)
due in respect of the Salaried Personal Loan / loan(s), obtained / availed from Muthoot Finance from time to time, I hereby authorize Muthoot Finance to
Submit the mandate duly signed by me, to / before the bank with whom I have the bank account, details of which are mentioned in the mandate, for the
purpose of debiting my said bank account for / with the amount (s) and the frequency as specified in the Mandate form bearing No. Dated

In case I obtain more than one Salaried Personal Loan / loan from Muthoot Finance and I choose to make the repayment under all such loan(s) by debiting
the bank account, details of which are provided in the mandate and the loans that subsequently may be availed, I confirm that my said bank account can be
debited as and when the mandate is presented by Muthoot Finance on or after the respective due dates of monthly instalments of each such loan
sanctioned / that may be sanctioned, until the amounts due and payable in respect of all such loans are duly paid by me. I also authorize the bank with
which I am maintaining and operating the account and Muthoot Finance to debit my account for charges towards the mandate verifications and transactions
bounced due to insufficient funds as applicable.

I hereby declare and state that the above referred Mandate Form is valid and can be utilised for the SPLN (Salaried Personal Loan) referred to therein
and/or for all further enhancements/fresh/ additional loans.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for all reasons of incomplete or
incorrect information, I would not hold the user Institution and / or Muthoot Finance responsible.

I further undertake that the mandate given by me shall remain valid and binding until all the amounts due and payable by me under all the loans taken from
Muthoot Finance are duly paid to the satisfaction of Muthoot Finance and that I shall not initiate any step/action leading to cancellation of the mandate, or
closure of bank account or for dishonour of

BORROWER

NAME: NAGELLA REDDY

SIGNATURE:

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NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Confirmation Letter from Customer

To, Date: 05/12/2024

Muthoot Finance Limited

Subject: No-objection.

Dear Sir,

I have applied for personal loan facility of Rs. 253890.00 ( Two Lakh Fifty Three Thousand Eight Hundred Ninety ) from Muthoot Finance. Apart from the
KYC documents, I have provided with signed copies of cheques to the Muthoot Finance.

In this connection, I hereby unconditionally and irrevocably agree, confirm and consent to the Muthoot Finance that in the event my application is not
considered for the loan, Muthoot Finance will return the said cheques and I shall not hold Muthoot Finance responsible in any manner. Further by providing
the cheques, I understand that it does not automatically guarantee or confirm that my loan application will get sanctioned.

You are hereby informed that I have no objection in this regard.

Thanking you

Name of the Borrower : NAGELLA REDDY

SIGNATURE of the Borrower : __________________________

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NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Residential Status Confirmation

I Mr NAGELLA REDDY here by confirm that I have applied for a Personal
loan with Muthoot Finance.

My permanent address is as under: 1 128 1 c m pet Cuddapah 516003 and the same is Owned by - SELF(Self / Parents / Spouse / Kids) & are staying
since 1 Year years.

I confirm that the details mentioned above are true to my knowledge.

Name of the Borrower : NAGELLA REDDY

SIGNATURE of the Borrower : __________________________

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Declaration
I/ We hereby agree and am / are ready to bear the interest charged by the
Company on disbursement of the loan amount.

I/ We hereby agree that I will be able to utilize / receive the payment only after I provide the pending list of documents to the Company and EMI will start as
per the stipulated time mentioned on the sanction letter / confirmation email approved by me irrespective of the disbursement.

Pending Documents :

Applicant’s Name : NAGELLA REDDY

Applicant’s Signature : __________________________

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY

Date: Thu Dec 05 16:21:21 IST

2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

No Moratorium on my Personal Loan

To,
Muthoot Finance, Personal Loan Department

Date: 05/12/2024

Subject: No Moratorium on my Personal Loan Application No 71660046918

Respected Sir,

This is to bring to your notice that I am aware of the moratorium facility being extended for loans disbursed prior to Mar’20. Since, my loan is disbursed post
Mar’20, the loan which I am availing will not qualify under Covid 19 financial package.

I will regularly service the Equated Monthly Instalment on the due dates mentioned on the agreement of the captioned loan account. This apart, both the
applicant & co-applicant to the personal Loan granted by Muthoot Finance, will completely adhere to the terms & conditions of the said loan and will abide
by it in good faith.

Thanking You, Yours Sincerely,

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar

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NAGELLA REDDY Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

No Parallel Funding (Multiple Loans) - Declaration

To,
Muthoot Finance, Personal Loan Department

Date: 05/12/2024

Subject: No Parallel funding declaration

Respected Sir,

I have applied for the Personal Loan extended by Muthoot Finance bearing the Application no. 71660046918 . This is with respect to the captioned,
whereby the applicant & co- applicant to the Personal Loan bearing the Application no 71660046918 granted by Muthoot Finance, declare that we will not
resort to parallel funding from any other Banks/NBFCs or any other Financial Institutions deeming fit to lend to its customers for a period of next 30days.

In case if we have to avail of funding from other sources, we shall keep Muthoot Finance informed on the purpose of the taking such loans, beforehand.

Thanking You, Yours Sincerely,

Applicant: Co-Applicant Authorised Signatory

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

KFS SHEET
1 Loan Amount 253890.00

2 Total Interest 144198 ROI 32%

3 Upfront Charges

a Processing Fee 5992

b Insurance Charges 2120

c CAC 885.0

d Doc 885.0

e Stamp Duty 500

f Pre EMI Charges 0

4 Net disbursed Amount 243508

5 Total amount to be paid by the borrower 398,088

6 Annual Percentage Rate 34.62

7 Tenor - Months 36

8 Repayment Frequency Monthly

9 Number of Installments 36

10 Amount of each instalment 11058

11 Rate of annualized penal charges in case of delayed Rs 0.80 per Rs 1000/day

payments

12 Rate of annualized other penal charges

a Cheque Bounce Charges Rs 1000 + 18% GST

13 Cooling off/look-up period 3 days

14 Name, designation, address and phone number of Name: Muthoot Finance LTD.
Nodal grievance officer Registered office address: Muthoot Chambers, Opp Saritha Theatre Complex, Banerji
Road, Ernakulam 682 018.
Tel: / +91 - 484 - 2396 478 2394 712. Website: https://www.muthootfinance.com/ , Email:
[email protected]
Privacy policy: Available at https://www.muthootfinance.com
Grievance Redressal Officer: https://www.muthootfinance.com/customer-service

15 Foreclosure Charges "0 to 9 months - Lock-in Period

10 to 12 months - 6% of Loan Outstanding + GST
>12 months - 5% of Loan outstanding +GST"

16 Loan Cancellation Charges Rs. 5,000/- + GST

17 Swapping charges Rs.750/- + GST

18 Legal Charges/Collection Charges Actuals

19 Note The Net disbursed amount and the upfront charges are subject to change based on the
actual disbursement date.

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

MEMBER ENROLLMENT FORM

The group constitutes of members of Muthoot Finance Ltd who agree to enroll under this Health Plus and Xpress Health policy and to make paymentof
premium in this regard to Niva Bupa Health Insurance Company Limited.

1- PRIMARY INSURED DETAILS

Name: Nagella Rajasekhar Reddy Date of Birth : 1991-06-01

Address : H No 405 Gurunanak colony Sangrur 148001

Mail Id : [email protected]

Mobile : 9052738283 Bank Account Number 50100146353381

Benefits Coverage Tenure Sum insured Premium

Critical illness Borrower 12 month 200000 900

EMI Protect Borrower 12 month 200000 1220

Health Insurance Borrower 12 month

Premium with tax: 2,120 INR

Title (Mr. Ms.) Member Name (First, Middle, Last) Gender (M/F/ Third Gender) Date of Birth (DD/MM/YYYY) Occupation

Mr NAGELLA REDDY Male 1991-06-01 Others

2- GOOD HEALTH DECLARATION

I hereby agree to enroll in the policy with the understanding, that I am not suffering from any major/ chronic health problem(s), major disease/disorder
impacting vital organs (Heart, Brain, Kidneys, Lungs, Liver, Pancreas, Spleen, Intestine etc) or deformity other than minor ailment like Cold, Cough, Fever
etc. I hereby also declare that I have never undergone or awaiting any major medical or surgical treatment/ procedure or follow-up. I also understand any
non-disclosure in respect to any disease(s), treatment(s) and/or duration of the disease(s) may result in denial of the claim and/or cancellation of my policy.
Pre-existing medical condition(s) will be covered after the waiting period, as mentioned in the policy T&Cs. Yes No (Do not proceed further)

3- NOMINATION

In the event of your Death, any payment due under the Policy shall become payable to the nominee proposed in the form subject to any change in
nomination as per the terms of the Policy and the receipt of the proceeds by such nominee would be sufficient discharge to the Company. Following section
to be filled by the Member:

Nominee Name Relationship

Levaku varalakshmi Spouse

4- CAUTION

You are obliged to make a full and frank disclosure of all material facts. This obligation of complete and timely disclosure does not end with the submission
of this enrollment form. If there is any change in the information given herein or new information comes to light, then you must inform us of the same in
writing without any delay.

5- COVERAGE

The coverage under this policy is for a period of up to five years (critical illness and EMI protect) & one year (hospitalization) from the date of start of
coverage.

6- AUTHORIZATION FOR ELECTRONIC POLICY FULFILLMENT AND SERVICE COMMUNICATIONS

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Would you like to protect the environment and help save paper by authorising the company to send all my policy and service related communication to the
email ID as mentioned here in the application form? Yes No

7- AUTHORIZATION FOR SERVICE CALLS OR ANY OTHER COMMUNICATION

I hereby provide my consent and authorize the Company to make welcome calls, service calls or any other commercial communication (electronic or
otherwise and/or including but not limited to SMS/WhatsApp) with respect to the proposed or existing policy of Company from time to time. I also authorize
sending any communication for the purposes of marketing and offering of various products and services of the Company through agent(s) and/or any third
party(ies) or any of the product(s) of its affiliates, co- brand partners etc. The said consent will over-ride any registration on DND registry.

8- CANCELLATION/TERMINATION

Once the Insured ceases to be a member or the policy is cancelled by the Master policyholder or the insurer for any reason whatsoever, the cover will
automatically stand cancelled. However, the Insured under this policy can port to a similar approved retail health policy available with the company as per
'Portability Guidelines', subject to the Company's underwriting criteria.

9- DECLARATION (Please read carefully and put a check mark against each before signing the proposal form

I/We hereby declare on my behalf and on behalf of all persons proposed to be insured that the above statements, answers and / or particulars given by
me/us are true and complete in all respects to the best of my / our knowledge and that I/We am/are authorized to propose on behalf of these other persons.

I/We understand that the information provided by me / us will form the basis of insurance policy, is subject to the Board approved underwriting policy of
the Insurance company and that the policy will come into force only after full receipt of the premium chargeable.

I/We further declare that I/We will notify in writing any change occurring in the occupation or general health of the life to be insured/ proposer after the
proposal has been submitted but before communication of the risk acceptance by the company.

I/We declare and further consent to the Company seeking medical information from any doctor or hospital who/which at anytime has attended on the
person to be insured/ proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be
insured/proposer and seeking information from any Insurer to whom an application for insurance on the person to be Insured / proposer has been made for
the purpose of underwriting the proposal and/or claim settlement.

I/We authorize the Company to share information pertaining to my / our proposal including the medical records of the Insured / Proposer for the sole
purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory Authority.

All the information/particulars in the enrollment form is filled and declared by Customer. Customer has authenticated his/her information through One Time
Password send to his/her mobile number and email. I agree that this declaration shall be the basis of the decision by Niva Bupa Health Insurance Company
Limited to cover or not cover me under insurance.

Dated: 05/12/2024 Signature of the Customer ___________________________

Place Digital PL Name of the Customer NAGELLA REDDY

10- MEMBER DECLARATIO

(Certification where for any reason,the enrollment form and other connected papers are not filled in by the prospect). The contents of the enrollment form
and connected documents have been fully explained to me and I have fully understood the significance of the proposed contract. The enrollment form is
filled by Muthoot Finance under my instruction and I found it to be correct.

Signature of Member ___________________________

11- VERNACULAR DECLARATION (to be filled only if the proposer has signed in vernacular)

I hereby declare that I have fully explained the contents of this enrollment form to the Account holder in the language understood by him/her. The Account
Holder has understood and confirmed the same.

Declarant's Name NAGELLA REDDY Relationship with Account Holder

Address City

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Pincode Signature of Declarant _____________

12- STATUTORY WARNING (PROHIBITION OF REBATES)

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in
respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium
shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as maybe allowed in
accordance with the published prospectus or tables of the insurer.

2. Any person making default in complying with the provisions of this section shall be punishable with fine which may extend to Ten Lakh Rupees.

Disclaimer: Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance
Company Limited) (IRDAI Registration No. 145). 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used
by Niva Bupa Health Insurance Company Limited under license. Registered office:- C-98, First Floor, Lajpat Nagar, Part 1, New Delhi-110024. CIN NO.
U66000DL2008PLC182918. Product Name: Xpress Health | Product UIN: NBHHLGP22208V022122; Product Name: Health Plus | Product UIN:
NBHHLGP22157V032122; . Website: www.nivabupa.com. Fax: + 91 11 41743397. Customer Helpline: 1860-500-8888. For more details on risk factors,
terms and conditions please read sales brochure carefully before concluding a sale. These products are also available separately without the combination
offered suggested. Please get in touch with your relationship manager for more details.

Product Name: Health Plus, UIN: NBHHLGP22157V032122 & Product Name: Xpress Health, UIN: NBHHLGP22208V022122.

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

|CANA

MEMBER ENROLLMENT FORM – HDFC Life Group Credit Protect Plus

Short Medical Questionnaire

IMPORTANT NOTE: Any cancellation and alteration must be countersigned by Life to be Insured. Please do not sign
blank Proposal form

Life
Options: Life Extra Life Terminal Life Critical Life Critical Life Critical Life Critical Life
Disability
Option Option Option Option 1 Option 2 Option 3 Option 4
Option

Base Premium Policy

Rider Sum Assured (`) Single Premium (`)
Sum Assured (`) Payment Term (months) Term (months)

Life to be
Assured

Master Policy Holder Name:Master Policy Holder Policy No:

Applicant Status: Primary borrower Co Borrower Moratorium Period (month)

Main benefit (level / decreasing): Interest Rate:%

(for decreasing option) ) (additional form to be filled for joint life)

Loan type:Loan disbursal date Loan amount

Loan Account Number Loan Term (months)

I/we understand that I/we have taken the Loan in name of (borrower), (co-borrower/s) and declare that I/we are taking insurance cover for (borrower) as
Single life/ Joint Life (Strike out whichever not applicable)

Personal Details of Life to be Assured

Name

Date of Birth: Gender: M F Transgender PAN:

Address for communication

City State Pincode

Nationality: Indian Non Indian Resident status: Resident NRI/PIO/OCI

(If you are NRI/PIO/OCI/Student Studying Abroad please attach appropriate Questionnaire.)

Country of Residence (For Students & Education Loan,Country of study to be entered)

Mobile No Email Id:

Post Graduate Graduate| Diploma

Education: 12th pass 10th pass
Below 10th Illiterate

Salaried Self Employed

Present Occupation:
(if you are Navy/Police/Army Professional Armed Forces
/Air force /Fire Service, please
attach appropriate questionnaire) Agriculture Fire Service Retired
Student Housewife Unemployed

Gross Annual Income (INR):

Nominee / Appointee:

Full Name Date of Birth Relationship to Share (%)

Nominee 1:

Nominee 2: N/A

Appointee 1: N/A

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Particulars of Legal Guardian (if Life to be Assured is a minor):

Date of Birth: Gender: M F Transgender Relationship with Life to be Assured

Life to be Assured

1. Have you ever suffered or are currently suffering from: (a) Chest Pain or heart attack or any other heart disease (b)
Cancer, tumor, growth or cyst of any kind (c) Stroke, paralysis, Epilepsy, any psychiatric / mental disorder, disorder of Yes No
brain/nervous system or any kind of physical disabilities (d)Asthma, Tuberculosis, pulmonary obstructive disease or
other lung disorder (e) Diseases or disorder of muscles, bones or joints, arthritis or blood disorder(anemia) or any
endocrine disorder, congenital disorder, genetic disorder (f) Diseases of the kidney, digestive system(stomach,
pancreas, gall bladder, intestine), liver, Hepatitis B or C or HIV/AIDS infection (g) Diabetes, high blood pressure (h) Any
Other disorders.

2. During the last 5 years have you undergone any major surgery or been hospitalized for more than one week? Yes No

3. Do you take part in any adventurous sports or hobbies? (like paragliding, mountaineering, deep sea diving , motor
racing, bungee jumping, etc.) Yes No

4. Do you currently smoke more than 10 cigarettes/bidis per day or chew more than 5 pouches of tobacco per day and/or
consume alcohol more than 5 units a day? (5 Units = 400 ml Wine or 150 ml Spirits or 370 ml Beer) Yes No

5. Has more than one of your parents and siblings died before the age of 60 years as a result of heart attack, stroke,
cancer, diabetes, HIV? Yes No

6. Are you taking any medication or has a doctor ever attended to you for any conditions, diseases or impairment not
mentioned above (except for cough or cold)? Yes No

7. For Female Lives: (a) Are you presently pregnant? (b) Do you have a history in the past of an abortion, miscarriage or
caesarian section due to complications during pregnancy or due to any other cause? (c) Have you given birth to a child Yes No
with any congenital disorder such as Down Syndrome, congenital heart disease, etc? (d) Have you ever had any
disease of breast, uterus, cervix, ovaries or any other part of the reproductive system?

8. Have you ever been declined, deferred, and accepted at special terms, had cover reduced or had exclusion imposed
for any insurance cover? Yes No

9. Have you ever been or currently being investigated, charge sheeted, prosecuted or convicted or acquittal or having
pending charges in respect of any criminal/civil offences in any court of law in India or abroad? Yes No

10. Is your occupation or business, associated with any hazard (e.g. exposure to chemical substances/hazardous
materials/harmful dust or gases/ explosives/ working at heights/ handling heavy machinery etc.) Yes No

11. Do you have any group risk cover as a scheme member through the same Master Policy holder (lender) or any other
Master Policy holder where HDFC Life is an insurer? If yes, please specify sum assured. Rs. Yes No

For queries or more information, call us on 1860-267-9999 (Local charges apply) | 022-68446530(STD charges apply). Available Mon-Sat from 10 am to 7
pm. DO NOT prefix any country code e.g. +91 or 00. Email - [email protected] | [email protected] (For NRI customers only) Visit -
www.hdfclife.com | UIN: 101N096V03

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Declaration of Life to be Assured

• I/ We understand, agree and confirm that these statements and this declaration are basis of the contract between the insurer and the
policyholder. Subject to Section 45 of the Insurance Act 1938 as amended from time to time, if any untrue statements are contained herein or there
has been any non disclosure of any material fact, the policy to be issued by the insurer in the name of the policyholder
may be treated as void as far as I/We am/are concerned.

• I/ We Confirm that I have read and understood, the rules and any additional rules of the plan, the standard policy provisions and any additional
provisions that govern the policy to be issued by insurer in the name of the policyholder and on my life, and I agree and confirm that the same shall
be binding on me/us.

• I/ We authorise the policyholder to disclose to the insurer such particulars as they may require including the details given above and any changes to
the same, pay the premium payable on my behalf /collected from me to the insurer.

• I/ We understand that any statutory levy or charges including any indirect tax may be charged to me either now or in future by the insurer and I agree
to pay the same.

• I/ We understand that HDFC Life Insurance Company Limited (HDFC Life) has the right to reject a proposal without giving reasons thereto and
confirm to give an undertaking that I shall not raise any claims thereof.

• I/ We understand the significance of the contract and that the contract will be governed by the provisions of the Insurance Act 1938 as amended from
time to time and that the same will not commence until written acceptance of this application issued by the insurer on its normal terms and conditions
is received.

• I/We further agree that if after the date of submission of the proposal but before the issuance of Policy (i) there is an adverse change in my/our
occupation, financial condition, health condition, which will affect the decision of the Company in underwriting risk or (i) if the proposal for assurance
or an application for revival of the policy made to any insurer on my/our life or the Life to be assured is withdrawn or dropped, deferred, declined or
accepted on terms other than as proposed, I/We shall forthwith intimate the same to the company in writing and failure to do so shall lead to a
decision as per the applicable terms and conditions of the policy.

• I/We hereby declare that the content of the form and document has been fully explained to me/us and I/We have fully understood the significance of
the proposed contract.

• I/We understand and agree that in case any error, omission, incorrect information, blank forms, etc. are detected at the claim stage because of lapses
on the part of the scheme member, such claims shall be treated as invalid by the insurer and the claim payout shall not be processed.

• I/We understand that any If any of the requirement/s raised by the insurer including further requirements pertaining to medical
tests/reports/investigations are not completed within three months from the date when the member enrolment details were shared by the Master
Policy Holder (MPH) with the insurer, the received premium amount for the said enrolment, would be refunded and the respective member's
enrolment shall be deemed as withdrawn.

• I/We declare and hereby consent and authorize the Company or any of its authorized representatives to seek medical information from any doctor or
from a hospital who at anytime has attended me or from any past or present employer concerning anything which affects my physical or mental
health and seeking information from any insurance company to which an application for insurance has been made for the purpose of underwriting the
proposal and /or claim settlement.

___________________ __________________
Signature/Thumb impression: (Life to be Assured) Signature/Thumb impression: (Witness)

Date: Date:

Place: Place:

Declaration made by Declarant where Member has;

a) affixed his/her thumb impression; OR b) signed in vernacular; OR c) not filled the application

“I hereby declare that I have fully explained the above questions and contents of the Member Enrollment Form to the Member and the Joint Life Assured (if
any) and
I have truthfully recorded the answers given by the Member and the Secondary / Joint Life Assured (if any) and that the Member and the Secondary / Joint
Life Assured the contents thereof.”

Name of the Declarant Name of the Witness

Address of the Declarant Address of the Witness

Date:Place: Date:Place:

_____________ _____________
Signature/Thumb impression Signature/Thumb impression
(Declarant) (Witness)

“I/ We certify that the contents of the form and documents have been fully explained to me byand I have understood the significance of the proposed
contract.

____________________
Signature/Thumb impression
(Life to be Assured) Date: Place:

Declaration made by Legal Guardian where Life to be Assured is a minor: I hereby declare that the content of the form anddocument filled up by the Life to
eSigned using Aadhaar
(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

be Assured is accurate and true to my/our knowledge.

Name of the Witness

Legal Guardian Address of the Witness ____________________________

(if Member is a Minor)
_______________________ Signature/Thumb impression
Signature/Thumb impression Date:Place: (Witness)

PAYMENT AUTHORISATION(For Non Regulated entity this authorization is not required)

I/ We do hereby declare that I have received a loan from M/s (Master Policyholder”). In order to secure the said loan I/We have taken the above
referenced policy from HDFC Life Insurance Company Limited (“HDFC Life”). In consideration of receiving the said loan I/We hereby authorize HDFC Life
to make payment of Outstanding Loan Balance amount to Master Policyholder by deducting from the claim proceeds payable on happening of
the contingent event covered by the Group Life Insurance Scheme/ Policy referenced above.

Signature/Thumb ____________________ Signature/Thumb __________________

impression: (Life to be Assured) impression: (Witness)

Date: Date:

Place: Place:

Questionnaire for COVID-19* *Novel Coronavirus, SARSCoV-

2/COVID-19

Life to be Assured

1. Have you travelled outside India in the last 15

days or do you plan to travel overseas during NO YES If YES, please provide details
next 3 months? Country:
City:
Date of travel:

2. Within the last 3 months have you been tested

positive for COVID-19* and were hospitalised NO YES If YES, please provide details
or waiting results of such a test or been advised to be 1. Date of diagnosis test
under hospitalisation or quarantine due to COVID-19*?
2. Were you hospitalised? NO YES
3. Provide date of negative test report or hospital discharge
date or last day of quarantine whichever is later
4. Details of subsequent tests done post hospitalisation/
quarantine during recovery like RTPCR, CXR, HRCT, Ddimer etc
5. Have you made a full recovery to good health without complications
and returned to normal physical function and activities? NO YES

3. In the last 1 month have you been self-isolated or advised to

self-isolate due to COVID-19* (excluding mandatory No Yes
government orders to at home) or have you had a persistent
cough,
fever,raised temperature, sore throat, breathing
difficulties, gastro-intestinal symptoms (vomiting/ diarrhea),
been tested positive, advised to be tested or are
awaiting test result for COVID-19* or been in contact withan
individual suspected or confirmed to have COVID-19*?

Signature :
Date:

HDFC Life Insurance Company Limited (HDFC Life). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101. Regd. Off: 13th Floor, Lodha Excelus,
Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai - 400011
For queries or more information, call us on 1860-267-9999 (Local charges apply) | 022-68446530(STD charges apply). Available Mon-Sat from 10 am to 7
pm. DO NOT prefix any country code e.g. +91 or 00. Email - [email protected] | [email protected] (For NRI customers only) Visit -
www.hdfclife.com | UIN: 101N096V03

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Consent Form for Muthoot Finance

• Date:

• Name of the Master Policyholder: MUTHOOT FINANCE

• Name of the customer:

• Loan Account Number:

• Date of Birth:

• Gender:

General Insurance

Product Details

• Product(s) opted for:

Digit Group Hospital Cash Policy (GODHLGP21147V012021) under Master Policy: D136983750

Digit Group Total Protect Policy (GODPAGP21491V022021) under Master Policy: D136677393

Digit Health Plus Policy (Revision) (GODHLGP21487V032021) under Master Policy: D136855133

• Premium (incl. GST):

Declaration

a. I hereby agree to avail insurance cover under Digit Group Hospital Cash Policy (UIN: GODHLGP21147V012021)/ Digit Group Total Protect Policy
(UIN: GODPAGP21491V022021)/ Digit Health Plus Policy (Revision) (GODHLGP21487V032021) arranged by MUTHOOT FINANCE from Go Digit
General Insurance Limited.

b. I hereby declare and confirm to assign the benefits under the insurance policy in favour of MUTHOOT FINANCE in the event of loan amount being
outstanding on the date of payment of claim.

c. I further authorize Go Digit General Insurance Limited to record this assignment of benefits under the policy to the extent of outstanding loan amount.

d. I declare that I am transferring/assigning the Policy on my own volition and confirm that the Transfer/Assignment is bonafide. I understand that the
Company may reject this Assignment if any of the foregoing is found to be untrue. The assignment and any payment of claim in line with the
assignment shall be binding on my legal heirs.

e. I agree that payment of premium for above policies shall be deducted from my Loan Account as availed by me from MUTHOOT FINANCE

f. I hereby consent that any premium refund, if applicable, shall be made to the Master Policyholder, and I shall collect/settle the same from MUTHOOT
FINANCE in accordance with the terms and conditions of the group policy.

g. I hereby declare that I have read policy Terms and Conditions carefully.

Life Insurance

• Product Details

• Master Policy Number: L001514832 / L001514852

• Product(s) opted for: Digit Life Group Long Term Plan

• Coverage option: Single Life

• Type of cover: Level / Reducing

• Benefit-related details.

Death Benefit Option

Death Benefit Payout Option and Amount

Premium Payment Term

Cover Term

Premium amount (including GST)

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024
Document ID: GQ421BF799 Stamp Sr. No.: IN-KA68525325461575W

Declaration of Good Health (to be filled by the member)

Sr.no Questions Member

Yes No

1 I declare that I am of complete good health and that I have not been diagnosed, hospitalized, treated or
investigated in the past for conditions such as diabetes, hypertension, cancer/tumour, stroke, TB, any disorders of
heart (cardiovascular), kidney, liver, pancreas, thyroid, brain/nervous system, lung/respiratory system, Mental
illness, HIV or Aids infection, Hep B or C, blood disorders) and do not have any mental/physical/congenital disability
or deformity.

I also confirm that I am not suffering from any symptoms of COVID-19 and/or tested positive and/or Quarantined for
COVID-19 in the last 15 days.

I/We am aware that is the holder of the life insurance Master Policy issued by Go Digit Life Insurance Limited Group insurance product and I/We am/are
being enrolled as member of this group

I hereby authorize Go Digit Life Insurance Limited that in case of difference between the premium received from the applicant and the actual premium
required for sought benefits, the sum insured amount and/or tenure may get adjusted and the policy shall be issued accordingly.

Declaration

I/we authorise Go Digit Life Insurance Limited (Digit Life), to apply the benefits under this cover, first towards the loan outstanding, by paying the same
directly to the Master Policyholder and the balance, if any, may be paid to me/us and/or my/our nominee/legal heirs, as the case may be. I/we certify that
this authorization is being effected in consideration of the loan obtained from the Master Policyholder. I/we further certify that the loan outstanding amount
as confirmed by the Master Policyholder shall be considered as final and binding. I/we declare that the receipt of the benefits by the Master Policyholder
and/or my/our nominee/ legal heirs shall be a valid and sufficient discharge of Digit Life's liabilities with respect to the cover provided to me/us. I/we further
consent Digit Life to make any further correspondence with me/us by any of the electronic modes.

1. I/we hereby declare, on my/our behalf and on behalf of all persons proposed to be insured, that the above statements, answers and/or particulars given
by me/us including in any other document and questionnaire are true and complete in all respects to the best of my/our knowledge and that I am authorised
to propose on behalf of these other persons.

2. I/we understand that the information provided by me/us will form the basis of the insurance cover and membership extended under the Master Policy,
and is subject to the underwriting process and that the membership under the Master policy will come into force only after receipt of full payment of the
premium by Digit Life. I/we also acknowledge that Digit Life reserve the right to decline any claim or the cover, in case any information provided by me/us is
found to be incorrect, including forfeiture of the premium amount.

3. I/we further declare that I/we will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the
application has been submitted but before communication of the risk acceptance by the Digit Life.

Signature: _______________________ Date:

Name: Place:

eSigned using Aadhaar

(Leegality.com - GQ421BF799)
NAGELLA REDDY Authenticated through Leegality.com (GQ421BF799)
Manjunatha P
Date: Thu Dec 05 16:22:26 IST 2024
Date: Thu Dec 05 16:21:21 IST
2024