Application Form No.

FAST7361733111646942

Customer Application Form

1. Applicant Details | Application Form | Individual

Prefix First Name Middle Name Last Name

Name* (Same as ID
proof) HASAN ABBAS

Maiden Name

Mother Name

Date of Birth* DD-MM-YYYY

Marital Status* Married Unmarried Others

Citizenship* IN- Indian Others

Resident Individual Non-Resident Indian Foreign National

Residential Status*
Person of Indian Origin
Latitude:
13.08108108
Occupation Type* Salaried Self Employed Longitude:
80.22594699

2. PROOF OF IDENTITY (PoI)*

(Certified copy of any one of the following Proof of Identity [PoI] needs to be submitted)

A- Passport Number Passport Expiry Date

B- Voter ID Card

C- PAN Card

D- Driving Licence Driving Licence Expiry Date

E- UID (Aadhaar)

F- NREGA Job Card

Z- Others (any document notified by the

central government)

S- Simplified Measures Account -

Document Type code

Digitally Signed by SI CREVA CAPITAL SERVICES

PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 Application Form No. FAST7361733111646942

3. PROOF OF ADDRESS (PoA)*

3.1 CURRENT / PERMANENT / OVERSEAS ADDRESS DETAILS

Address
Type* Residential / Business Residential Business Registered Office Unspecified

Passport Driving Licence UID (Aadhaar) Voter Identity Card NREGA Job Card
Proof of
Address*
Others Simplified Measures Account - Document Type code

Line 1* 7/193A SEMATHAMMAN NAGAR 1ST STREET KOYAMBEDU TIRUVALLUR TAMIL NADU

Line 2*

Line 3* City / Town / Village* Tiruvallur

State / U.T ISO 3166 Country

Pin / Post Code* Code*
District*
Code* 600107
TAMIL NADU

3.2 CORRESPONDENCE / LOCAL ADDRESS DETAILS *

Same as Current / Permanent / Overseas Address details (In case of multiple correspondence / local
addresses, please fill 'Annexure A1')

Line 1*

Line 2*

Line 3* City / Town / Village*

Pin / Post State / U.T ISO 3166

District*
Code* Code* Country Code*

4. CONTACT DETAILS (All communications will be sent on the provided contact

details)

Line 3* City / Town / Village*

Tel. Tel.
Mobile
(Off) (Res)

FAX Email ID

Digitally Signed by SI CREVA CAPITAL SERVICES

PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 Most Important Terms and Conditions (MITC)

Applicant Name HASAN ABBAS

7/193A SEMATHAMMAN NAGAR 1ST STREET KOYAMBEDU TIRUVALLUR

Applicant Address
TAMIL NADU Tiruvallur TAMIL NADU 600107

Loan Reference No. LOS1733112832838JHUT

UCIC J3Y9GYOV

Please read carefully and ACCEPT to continue

I/We:

I hereby give my consent and specifically confirm that the Financing Documents submitted by me shall be valid, effective and legally
enforceable against me. For the purpose hereof, a document shall be deemed to be “Electronically Signed” if it has been encrypted /
authenticated by using an electronic method or procedure in accordance with the provisions of the Information Technology Act, 2000 or in
any other manner / method / procedure / technique as is recognized / envisaged as a valid method of encryption / authentication under
the provisions of the Information Technology Act, 2000.

I/We agree and confirm:

These Most Important Terms and Conditions (MITC) shall govern the general terms and conditions applicable to the Loan (defined below)
to be provided to Borrower (defined below) by the Lender, a company as defined in the Companies Act, 2013, (hereinafter referred to as
the “Lender”(as defined in the Offer-Cum Sanction Letter), which expression shall, unless repugnant to the subject, context or meaning
thereof, be deemed to include its executors, its successors-in-interest and any assigns and/or any finance partner(s) with whom Lender
has entered into a co-lending agreement.

1. DEFINITIONS

01. The terms and expressions contained in this MITC and the Customer Application Form are defined as under:

a. “Applicant” means to any person or entity who has shown interest in or has applied for a Loan from the Lender;
b. “Borrower” means and refers jointly and severally to the applicant(s) who has / have been sanctioned/granted the Loan by the
Lender (as defined hereunder) based on the duly filled in Loan Application Form submitted by such applicant(s) to the Lender
for availing of the Loan means and refers jointly and severally to the applicant(s) who has / have been sanctioned/granted the
Loan by the Lender based on the duly filled in Loan Application Form submitted by such applicant(s) to the Lender for availing
of the Loan;
c. “Borrower’s Dues” means all sums payable by the Borrower to Lender, including outstanding Loan, interest, all other charges,
costs and expenses;
d. “Platform” shall refer to all website (including all associated site links) and/or mobile based application/and/ or such other
website and/or mobile based application/platform, referred by the Lender and used by the Borrower to apply for limit/loan;
e. “Due Date” in respect of any payment means the date on which any amount is due from the Borrower to Lender and such date
as changed by the Lender from time to time upon intimation to the Borrower through written means.
f. “EMI” means the Equated Monthly Installment amount to be paid by the Borrower on the scheduled Due Date as per Financing
Documents;
g. “Loan” means the amount of the financial assistance sanctioned to the Borrower as per the Offer-Cum Sanction Letter, or as
displayed on the Platform, which will be or has been made available, to the extent the same is not cancelled, reduced or

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 transferred by the Lender as per the terms of Financing Documents;
h. “Financing Documents” means these MITC, Customer Application Form, Offer-Cum Sanction Letter,, Key Fact Statement
(KFS), Statement of Accounts (SoA) including the annexures hereto and any documents executed by the Borrower or as
required by Lender, as amended from time to time;
i. “Loan Application” means the application in the prescribed form as submitted from time to time by the Borrower to Lender
for seeking financing;
j. “Offer-Cum Sanction Letter” subject to the Loan availed by the Borrower shall mean the Offer-Cum Sanction Letter issued by
the Lender containing the relevant commercial terms and conditions applicable to the Loan;
k. “Material Adverse Effect” means any event which in Lender’s opinion would have an adverse effect on (i) Borrower’s ability to
pay the Borrower’s Dues or (ii) recoverability of the Borrower’s Dues;
l. “Late Payment Charges” means the default charges as prescribed either in the KFS or as displayed on the website., i.e. on
https://sicrevacapital.com or its mobile application, which is payable on all amounts which are not paid on their respective Due
Dates;
m. “Purpose” means the utilization of Loan as mentioned in the Offer-Cum Sanction Letter.
n. "Cooling off period” means a period of time from the date of disbursement of Loan within which the borrower can change
her/ his mind with return or cancellation of the Loan without any prepayment charges.

02. In this Agreement, (a) the singular includes the plural (and vice versa) and (b) reference to a gender shall include references to
the female, male, and neutral genders.

2. DISBURSEMENT

01. Subject to the provisions of the Financing Documents, the Borrower may at any time during the Validity Period of offer, request
the Lender for disbursement the Loan to the extent of the available loan amount. The Lender shall at its sole and absolute
discretion allow or reject such request for the Loan. Notwithstanding anything contained in this MITC, Lender shall have the
absolute right to cancel or refuse any further Loan at its sole and absolute discretion as it may deem fit, including on account of
any change in credit evaluation of the Borrower.

02. The disbursement of any Loan directly to any vendor / seller/ healthcare institution or its authorized person for any Purpose shall
be treated as having been disbursed to the Borrower.

03. The Borrower shall pay non-refundable processing fees as stated in the KFS, Offer-Cum Sanction Letter or as displayed on the
Lender’s website., i.e. on https://sicrevacapital.com or its mobile application, along with tax thereof, which may be added as a
deemed disbursement to the Loan and the Borrower will accordingly be liable for entire amount. Provided that, if the processing
fees as mentioned in the KFS is revised by the Lender, the same shall be updated on its website/mobile application, an intimation
thereof shall be sent to the Borrower and applied prospectively.

04. The Borrower shall utilize the disbursed loan exclusively for the Purpose as stated in the Offer-Cum Sanction Letter, and for no
other purpose.

05. The Lender reserves the right to cancel or modify the terms of Offer-Cum Sanction Letter before disbursing of the loan, in
accordance of its policy, without assigning any reason.

3. PAYMENT/REPAYMENT AND INTEREST

01. The Borrower shall repay/pay the entire Loan in one or more instalments along with the interest thereon to the Lender in such
manner as agreed/specified by the Lender from time to time, on the respective Due Date. Subject to Clause 05 (mentioned
hereunder), the Borrower agrees to pay to the Lender interest on the Loan or such part thereof as may be outstanding from time
to time at such interest rate, which has been indicated by Lender at the time of making the offer for the Loan. However, in such

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 cases, in the event the installment is not paid on the Due Date, all overdue amounts shall accrue Late Payment Charges which
shall be computed from the respective due dates for payments until payment of such dues, as prescribed in KFS.

02. The Lender shall apply the foreclosure charges, if Borrower chooses to opt for it. The Borrower shall pay to the Lender such
foreclosure charges mentioned in KFS and the same shall be displayed on the Lender’s website i.e., i.e. https://sicrevacapital.com,
as applicable. Provided that, if the foreclosure charges as mentioned in the KFS is revised by the Lender, the same shall be
updated on its website/mobile application, an intimation thereof shall be sent to the Borrower and applied prospectively

03. The tenure of each Loan shall be as provided in the Offer-Cum Sanction Letter. EMI shall be as calculated by Lender as required
within their respective tenure and interest payable thereon and not exceeding the maximum EMI as provided in the Offer-Cum
Sanction Letter or its mobile application. EMI shall only be towards principal outstanding and interest thereon and does not
include any default interest or any other charges payable by the Borrower pursuant to Financing Documents.

04. The payment of each EMI on time is the essence of the contract. The Borrower acknowledges that s/he has understood the
method of computation of EMI and shall not dispute the same.

05. Notwithstanding anything to the contrary in the Financing Documents, the Lenders shall always reserve the right to revise the rate
of interest and charges whether upwards or downwards, on all existing advances/financial assistance, if so required under any
applicable law. Any such change, as intimated by Lenders to Borrower (through modes such email or otherwise in the manner
prescribed for the same from time to time by Lenders, etc.), will be final and binding on the Borrower prospectively.

06. The rate of interest applicable to the Loan availed shall be as prevailing on the date of disbursement and will be based upon the
Lenders evaluation of the creditworthiness of the Borrower, the risk profiling done by the Lenders, etc.

07. Any dispute, including that relating to the interest computation or tenure, shall not entitle the Borrower to withhold payment
demanded by the Lenders and/or payment of any dues.

08. In case of delayed payments, without prejudice to all other rights of Lender, Lender shall be entitled to Late Payment Charges (as
prescribed in Offer-Cum Sanction Letter or as displayed on the website., i.e. on https://sicrevacapital.com or its mobile application
or as communicated to the borrower from time to time) from the Borrower for the period of delay.

09. Notwithstanding any terms and conditions to the contrary contained in the Financing Documents, the amounts repaid by the
Borrower shall be appropriated firstly towards interest due and payable and or/accruing due and payable, secondly towards
repayment of the amount of any installment(s) of the principal sums due and payable or becoming due and payable, thirdly
towards cost, charges, expenses and other monies, due and payable or become due and payable to the Lender, or in a manner
deemed fit by the Lender as per its policies which shall be communicated to the Borrower from time to time.

10. Interest (if applicable), Late Payment Charges and all other charges shall accrue from day to day and shall be computed on the
basis of 365/366 days (as may be applicable) a year and the actual number of days elapsed.

11. All sums payable by the Borrower to Lender shall be paid without any deductions whatsoever.

4. MODE OF PAYMENT, REPAYMENT AND PREPAYMENT

01. The Borrower shall, as required by Lender from time to time, provide National Automated Clearing House (Debit Clearing)/ any
other elec- tronic or other clearing mandate (collectively referred to as “Auto Debit Mandate”) as notified by the Reserve Bank of
India (“RBI”) against Borrower’s bank account for payment of dues. The Borrower shall honor all payments i.e. Auto Debit Mandate
without fail on due dates which may be utilized by Lender for realization of any Borrower’s Dues. The Borrower hereby
unconditionally and irrevocably authorizes Lender to take all actions required for such realization. The Borrower shall promptly
(and in any event within seven (7) days) replace the Auto Debit Mandate and/or other documents executed for payment of
Borrower’s Dues as may be required by Lender from time to time, at its sole discretion.

02. The Borrower shall, at all times maintain sufficient funds in his/her bank account for due payment of the Borrower’s Dues on
respective Due Dates. Borrower shall not close the bank account from where Auto Debit Mandate have been issued or cancel or
issue instructions to the bank or to Lender to stop or delay payment under Auto Debit Mandate. Lender is not bound to take notice
of any such communication in this regard.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 03. The Borrower agrees and acknowledges that the Auto Debit Mandate have been issued voluntarily in discharge of the Borrower’s
Dues and not by way of a security for any purpose whatsoever. The Borrower also acknowledges that dishonor of any Auto Debit
Mandate is a criminal offence under the Negotiable Instruments Act, 1881/The Payment and Settlements Act, 2007. The Borrower
shall be liable to pay bounce charges for each Auto Debit Mandate dishonour (as prescribed in Offer-Cum Sanction Letter or as
displayed on the website., i.e. on https://sicrevacapital.com or its mobile application).

04. Any dispute or difference of any nature whatsoever shall not entitle the Borrower to withhold or delay payment of any EMIs or
other sum and Lender shall be entitled to present the Auto Debit Mandate on the respective due dates.

05. Notwithstanding the issuance Auto Debit Mandate the Borrower will be solely responsible to ensure timely payment of dues.

06. Subject to the provisions set forth hereinabove, the lender shall acknowledge various modes of payment from the borrower for
the purpose of payment or repayment, as provided for in the App, web and TPAPs approved by regulatory authorities such as
Debit Card, Netbanking, UPI, IMPS, NEFT, RTGS, BBPS etc depending upon the availability.

07. The Borrower shall ensure that the loan repayments must be exclusively from their own bank account and not from any other
individual's/organization's bank account. Payments made from a third-party account may be rejected or automatically refunded.

5. BORROWER’S COVENANTS, REPRESENTATION AND WARRANTIES

01. The Borrower shall:

a. Observe and perform all its obligations under the Financing Documents.
b. Immediately deliver to Lender all documents, including bank account statements as may be required by Lender from time to
time. The Borrower also authorizes Lender to communicate via Account Aggregator with (a) any bank where the Borrower
maintains an account and to seek details and statement in respect of such account from the bank and (b) with any employer of
any Borrower/family members, any other person related to the Borrower, as Lender may deem necessary, including for
monitoring Borrower’s creditworthiness. The Lender shall have the right to not return the application, the photographs,
information and documents submitted by the Borrower.
c. Immediately notify Lender of any litigations or legal proceedings against any Borrower.
d. Notify Lender of any Material Adverse Effect or Event of Default (as described hereunder).
e. Notify Lender in writing of all changes in the location/ address of office /residence /place of business or any
change/resignation/termi- nation / closure of employment/ profession /business.
f. Not leave India for employment or business or long term stay abroad without fully repaying the Loan then outstanding,
together with interest and other dues and charges.
g. Provide security, if any, as specified in Financing Documents or as may be required by the Lender in case of any change in
credit worthiness of any Borrower (as determined by Lender).
h. Ensure deposit of salary and / or business proceeds in the account from which Auto Debit Mandate have been issued to
Lender. The Borrower also authorizes the Lender to resubmit the Auto Debit Mandate on any date with prior intimation in case
the EMI bounces. The Borrower agrees that non-receipt of any EMI alert shall not be valid grounds for non-payment of any
EMI.
i. Comply at all times with applicable laws, including, Prevention of Money Laundering Act, 2002, as amended from time to time.
j. Utilise each Loan only for the Purpose stated by Borrower (if any) in the Loan application.
k. Submit the updated copies of such KYC documents to the Lenders within a period of thirty (30) days, if there occurs any
change in the KYC documents submitted by the Borrower for availing the Loan.

02. Each Borrower represents and warrants to Lender as under:

a. All the information provided by Borrower in the Customer Application Form and any other document, whether or not relevant
for ascertaining the credit worthiness of the Borrower, is true and correct and not misleading in any manner;

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 b. The Borrower is capable of and entitled under all applicable laws to execute and perform the Financing Documents and the
transactions thereunder;
c. The Borrower is above 18 (Eighteen) years of age and this MITC is a legal, valid and binding obligation on him/her, enforceable
against him/her in accordance with its terms;
d. The Borrower declares that he/ she is not prohibited by any law from availing this Loan;
e. No event has occurred which shall prejudicially affect the interest of Lender or affect the financial conditions of Borrower or
affect his/ her liability to perform all or any of their obligations under the Financing Documents;
f. Borrower is not in default of payment of any taxes or Government dues;
g. The Borrower will do all acts, deeds and things, as required by Lender to give effect to the terms of this MITC;
h. That there are no bankruptcy or insolvency proceedings against the Borrower.

03. The Borrower gives its consent to Lender to use/store all the information provided by the Borrower or otherwise procured by
Lender in the manner it deems fit including for the Purpose of this Loan or for its business and understands and agrees that
Lender may disclose such information to its contractors, agents and any other third parties in accordance with the privacy policy.

6. EVENTS OF DEFAULT

01. The following acts/events, shall each constitute an “Event of Default” by the Borrower for the purposes of each Loan:

a. The Borrower fails to make payment of any Borrower’s Dues on Due Date;
b. Breach of any terms, covenants, representation, warranty, declaration or confirmation under the Financing Documents;
c. Any fraud or misrepresentation or concealment of material information by Borrower which could have affected decision of
Lender to grant any Loan;
d. Death, lunacy or any other permanent disability of the Borrower;
e. Borrower utilises the Loan for any purpose other than the Purpose stated by Borrower (if any) in the Loan application;
f. Occurrence of any events, conditions or circumstances (including any change in law) which in the sole and absolute opinion of
Lender could have a Material Adverse Effect, including limitation of any proceedings or action for bankruptcy/liquidation/
insolvency of the Borrower or attachment / restraint of any of its assets;
g. Shall not revoke the NACH Mandate without prior approval of the Lender;

02. Any occurrence or event beyond those expressly listed herein, whether similar in nature or otherwise, shall be deemed to
constitute an Event of Default.

03. The decision of Lender as to whether or not an Event of Default has occurred shall be binding upon the Borrower.

04. The circular on the Prudential Framework for Resolution of Stressed Assets requires the lenders to recognize incipient stress in
Borrower(s)’s accounts, immediately on default, by classifying them as special mention accounts (SMA). The basis for
classification of SMA categories shall be as follows:

Loans other than revolving facilities

SMA Basis for classification – Principal or interest payment or any other amount wholly or partly
Subcategories overdue

SMA-0 Upto 30 days

SMA-1 More than 30 days and up to 60 days

SMA-2 More than 60 days and up to 90 day

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 The date of SMA/NPA shall reflect the asset classification status of an account at the day-end of that calendar date. Example: If
due date of a loan account is March 31, 2021, and full dues are not received before the lending institution runs the day-end
process for this date, the date of overdue shall be March 31, 2021 and this account shall get tagged as SMA-0 upon running day-
end process on March 31, 2021. If it continues to remain overdue, then this account shall be tagged as SMA-1 upon running day-
end process on April 30, 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 30, 2021. Similarly, if the account continues to remain overdue, it shall get tagged as
SMA-2 upon running day-end process on May 30, 2021 and if continues to remain overdue further, it shall get classified as NPA
upon running day-end process on June 29, 2021.

05. The Borrower(s) acknowledges that as per RBI guidelines, classification of accounts as NPA is done borrower wise and not facility
wise and hence, it may be noted that in case of non-payment of dues by the Borrower(s) in case of any facility availed from the
Banks and consequently the account is to be classified as NPA, all other loan accounts of the Borrower(s) with the Bank also shall
be classified as NPA as per the guidelines issued by RBI and it shall entitle the Bank to recall all such loans/facilities availed by the
same customer from the Bank, irrespective of the regular repayment in such accounts.

7. CONSEQUENCES OF DEFAULT

01. Upon occurrence of any of the Events of Default and at any time thereafter, Lender shall have the right, but not the obligation to
declare all sums outstanding in respect of the Loan, whether due or not, immediately repayable and upon the Borrower failing to
make the said payments within 15 (fifteen) days thereof, Lender may at its sole discretion exercise any other right or remedy
which may be available to Lender under any applicable law, including seeking any injunctive relief or attachment against the
Borrower or their assets.

02. The Borrower hereby agrees that if the Borrower commits a default in repayment of any amounts due under this agreement, the
Lender may initiate skip tracing activities either directly or through agencies or its authorized agents to enable recovery of
delayed payments. Skip tracing is a method of determining the whereabouts of the Borrower and verifying information pertaining
to the Borrower by accessing public records, such as CIBIL records, and contacting social connections, etc.

03. The Borrower shall also be liable for payment of all legal and other costs and expenses resulting from the foregoing defaults or
the exercise of Lender remedies.

04. The Borrower will be sent reminders from time to time for settlement of any outstanding Loan, by post, fax, telephone, e-mail,
SMS and/ or any other mode of communication as deemed fit by the Lender engaging third parties to remind, follow up and
collect dues. Any third party so appointed, shall adhere fully to the code of conduct on debt collection.

8. DISCLOSURES

01. The Borrower acknowledges and authorizes Lender to disclose all information and data relating to Borrower, the Loan, default if
any, com- mitted by Borrower to such third parties/ agencies as Lender may deem appropriate and necessary to disclose and/or
as authorized by RBI, including TransUnion CIBIL Limited (“CIBIL”). The Borrower also acknowledges and authorizes such
information to be used, processed by Lender / third parties/ CIBIL / RBI as they may deem fit and in accordance with applicable
laws. Further in Event of Default, Lender and such agencies shall have an unqualified right to disclose or publish the name of the
Borrower /or its directors/ partners/ co-applicants, as applica- ble, as ‘defaulters’ in such manner and through such medium as
Lender / CIBIL/ RBI/ other authorized agency in their absolute discretion may think fit, including in newspapers, magazines and
social media.

02. The Borrower shall not hold Lender responsible for sharing and/or disclosing the information now or in future and also for any
consequenc- es suffered by the Borrower and/or other by reason thereof. The provisions of this clause 8 shall survive termination
of the MITC and the repayment of the Borrower’s dues.

03. This MITC constitutes the entire arrangement between the Parties with respect to the subject matter hereof and supersedes all
prior written agreements, understandings and negotiations, both written and oral, between the Parties with respect to the subject
matter of this document.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 9. MISCELLANEOUS

01. The entries made in the records of Lender shall be conclusive evidence of existence and of the amount Borrower’s Dues and any
statement of dues furnished by Lender shall be accepted by and be binding on the Borrower.

02. Borrower’s liability for repayment of the Borrower’s Dues shall, in case where more than one Borrower have jointly applied for
any Loan, be joint and several.

03. Borrower shall execute all documents and amendments and shall co-operate with Lender as required by Lender (i) to comply with
any RBI guidelines / directives or (ii) for giving Lender full benefit of rights under the Financing Documents. Without prejudice to
the aforesaid the Borrower hereby irrevocably consents that on its failure to do so, such changes shall be deemed to be
incorporated in the Financing Documents and shall be binding on the Borrower.

04. The Borrower acknowledges that the rate of interest, penal charges, service charges and other charges payable and or agreed to
be paid by the Borrower under Financing Documents are reasonable and acceptable to him/ her.

05. The Borrower expressly recognizes and accepts that Lender shall without prejudice to its rights to perform such activities itself or
through its office employees be entitled and has full power and authority so to appoint one or more third parties (hereinafter
referred to as “Service Providers”) as Lender may select and to delegate to such party all or any of its functions, rights and power
under Financing Documents relating to the sourcing, identity and verification of information pertaining to the Borrower,
administration, monitoring of the Loan and to perform and execute all lawful acts, deeds, matters and things connected therewith
and incidental thereto including sending notices contact- ing Borrower, receiving Cash/Cheques/Drafts/ Mandates from the
Borrower in favour of Lender.

06. The Borrower acknowledges that the financing transaction hereunder gives rise to a relationship of debtor and creditor as
between him / her and Lender and not in respect of any service rendered/to be rendered by Lender. Accordingly, the provisions of
the Consumer Protection Act, 1986 shall not apply to the transaction hereunder.

07. If required by the lender, the Borrower hereby authorizes Lender to verify all information and documents including, income proof
documents, residence documents, address proof documents, identity documents and other such documents containing personal
and financial information as are submitted by them for obtaining any Loan and that they also consent to subsequent retention of
the same by Lender.

08. The Borrower acknowledges and authorizes Lender to procure Borrower’s PAN No./copy of Pan Card, other identity and address
proof and Bank Account details, from time to time. The Lender may validate the Borrower’s details from NSDL and CERSAI and
any other Governmental agencies. The Lender shall obtain credit information of the Borrower from agencies such as CIBIL,
Experian, Hunter etc, and also obtain such other reports as and when required for the validation of credit worthiness of Borrower.

09. The Borrower also hereby gives consent and authorizes Lender to undertake its KYC verification by Aadhar e-KYC or otherwise
and undertake all such actions as may be required on its behalf or otherwise to duly complete the process of such verification
including by way of Aadhar e-KYC and share such information with any authority and store such information in accordance with
the applicable laws.

10. In the event of any disagreement or dispute between the Lender and the Borrower regarding the materiality of any matter
including of any event occurrence, circumstance, change, fact information, document, authorization, proceeding, act, omission,
claims, breach, default or otherwise, the opinion of Lender as to the materiality of any of the foregoing shall be final and binding
on the Borrower.

11. The Borrower and Lender may mutually agree on grant of a fresh Loan on the terms and conditions of the MITC and by execution
of such further letter/undertaking by the Borrower as may be required by Lender.

12. If the Borrower voluntarily avails any services along with the Loan from any of the third parties whose products are being sold by
the Lender as a bundled product including but not limited to life insurance, health insurance, general insurance plans, consumer
durable insurance, extended warranty, or any other offers/products/services offered by third parties, then the Borrower hereby
acknowledges that Lender shall not be held responsible for non-provision of services by such third parties.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 13. The Lender retains the primary right of set off and in exercise of the Lender’s general lien under law, the Lender shall also have a
paramount right of lien on all monies, deposits belonging to the Borrower(s) or standing to the Borrower(s)’s credit (whether
singly or jointly with other person/s) which are or may at any time with or in possession or control of the Lender for any reason or
purpose whatsoever.

14. Appointment of third parties by the Lender

The Borrower accepts that the Lender shall without prejudice to its right to perform the activities itself or through its officers or
employees or other authorised agents, be entitled, and have full power and authority, to appoint one or more third parties and
delegate to such third party all or any of its functions, rights and powers under this Agreement relating to the administration of
the Loan including the right to collect and receive on behalf of the Lender all the dues under this Agreement and give valid and
effectual receipts and discharge to the Borrower and to perform and execute all lawful acts, deeds, matters and things connected
herewith or incidental hereto. For the purpose aforesaid or any other purpose which the Lender at the sole discretion may deem
fit, the Lender shall be entitled to disclose to such third parties all necessary and relevant information pertaining to the Borrower.
The details of the Recovery mechanism are annexed in Schedule- 1.

15. The Lender facilitates resolution of customer’s grievances. In the event of any complaint/ issue please refer to the Grievance
Officer details annexed in Schedule-2.

16. The Lender and its authorized representatives shall have a right to conduct audit of the Borrower to ascertain any fraud by the
Borrower, whether by its internal or external auditors, or by agents appointed to act on its behalf and to obtain copies of any audit
or review reports and findings made on the Borrower.

10. SEVERABILITY

The Borrower acknowledges that each of his/her obligations under these Financing Documents is independent and severable from the
rest.

11. GOVERNING LAW AND JURISDICTION

01. All Loan and the Financing Documents shall be governed by and construed in accordance with the laws of India.

02. A ⁠A ll disputes, differences and / or claims arising out of these presents or as to the construction, meaning or effect hereof or as to
the right and liabilities of the parties under the Financing Documents shall be settled by arbitration in accordance with the
provision of the Arbitration and Conciliation Act, 1996 or any statutory amendments thereof or any statute enacted for
replacement therefore and shall be referred to arbitration mutually appointed by both the parties. The place of arbitration shall
be Mumbai, India. The awards including interim awards of the arbitration shall be final and binding on all parties concerned. The
arbitrator may pass the award without stating any reasons in such award.

03. Further, the present clause shall survive the termination of Financing Documents. The Courts at Mumbai, India shall have
exclusive juris- diction (subject to the arbitration proceedings which are to be also conducted in Mumbai, India) over any or all
disputes arising out of the Financing Documents.

04. he parties may choose to conduct such Arbitration proceeding via online mode.

12. NOTICES

Any notice to be given to the Borrower in respect of Financing Documents shall be deemed to have been validly given if served on the
Borrower or sent by registered post to or left at the address of the Borrower existing or last known business or private address. Any
such notice sent by registered post shall be deemed to have been received by the Borrower within 48 hours from the time of its
posting. Any notice to Lender shall be deemed to have been valid only if received by Lender at its above stated address.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 13. ASSIGNMENT

01. The Borrower shall not be entitled to jointly or severally transfer or assign all or any of their right or obligation or duties under the
Financing Documents to any person directly or indirectly or create any third-party interest in favour of any person without the
prior written consent of Lender.

02. Lender shall be entitled to sell, transfer, assign or securitise in any manner whatsoever (in whole or in part and including through
grant of participation rights) all or any of its benefits, right, obligation, duties and / or liabilities under Financing Documents,
without the prior written consent of, or intimation to the Borrower in such manner and such terms as Lender may decide. In the
event of such transfer, assignment or securitization, the Borrower shall perform and be liable to perform their obligation under
the Financing Documents to such assignee or transferor. In such event, the Borrower shall substitute the remaining Auto-
Mandate in favour of the transferee/ assignee if called upon to do so by Lender.

14. INDEMNITY

The Borrower hereby agrees to indemnify, defend, and hold harmless the Lender, its directors, employees, representatives,
consultants, and third parties, from time to time and at all times, against any liability, claim, loss, judgment, damage, cost, or expense
(including, without limitation, reasonable attorney’s fees and expenses) as a result of or arising out of any failure by the Borrower to
observe or perform any of the terms and, conditions and, or obligations contained in the Financing Documents or in the case of an
Event of Default, or from the exercise of any of the rights by the Lender under the Financing Documents, including the enforcement of
security or the recovery of Borrower’s Dues

15. ACCEPTANCE

I / We am / are aware that Lender shall agree to become a party to this MITC only after satisfying itself with regard to all conditions
and details filled by me / us in the MITC and other Financing Documents in consonance with Lender policy. I / We agree that this MITC
shall be concluded and become legally binding on the date when the authorized officer of Lender signing this at Mumbai or on the date
of first disbursement, whichever is earlier. By clicking “I accept”, the Borrower electronically signs these MITC and agrees to be legally
bound by its terms. The Borrower’s acceptance of these MITC shall constitute: (i) the Borrower’s agreement to irrevocably accept and
to be unconditionally bound by all the terms and conditions set out in these MITC; and (ii) the Borrower’s acknowledgement and
confirmation that these MITC (along with the Financing Documents) have been duly read and fully understood by the Borrower.

I hereby affirm my understanding of the English language and the entirety of the facts, terms, and conditions outlined above.

I/ We agree that the content of the KFS have been explained to me and hereby affirm that I have understood the contents of KFS as per
below:

Sanctioned Amount 28020

Date of Disbursement 02-12-2024

Disbursal Amount 26367

Annualised Interest Loan 28%

Annual Percentage Rate (APR) 66%

Equated Periodic Instalment (EPI) 9779

Tenure of the Loan 3 Months

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 I / We agree that I am not a Politically Exposed Person (PEP) (“Politically Exposed Persons” (PEPs) are individuals who are or have been
entrusted with prominent public functions by a foreign country, including the Heads of States/Governments, senior politicians, senior
government or judicial or military officers, senior executives of state-owned corporations and important political party officials) and
further undertakes to immediately intimate the lenders’ in the event that he/she and/or any of their family members /close relatives
becomes a PEP. In this situation, the lenders’ will seek senior management approval to sustain the business relationship. The account
will then undergo Customer Due Diligence procedures, includ- ing ongoing enhanced monitoring, as required for PEP category
customers.

Schedule 1 - Details of Recovery Mechanism:

a. Si Creva Capital Services Private Limited (“Si Creva”) is an RBI registered NBFC that follows all extant rules related to
collections practices as laid down under regulations..
b. The course of action followed by Si Creva in the event of default by the Borrower in repaying the scheduled repayment(s) is
as follows:
In the event of any delay or default in payment of any amount due and payable by the Borrower in relation to the
loan, the immediate action taken is to initiate messaging through SMS, in-app chat, Verified WhatsApp Business
Account, IVR, notifications, and tele-calling. Calls to the Borrower(s) will be made within 8.00 am to 7.00 pm.
Si Creva delegates the recovery process to its network of field agents, who will visit the Borrower at the location
which is stated in the loan application journey. A personal visit will also be made if specifically requested by the
Borrower(s) at an alternative location of their choice. These visits will occur between 8:00 AM and 7:00 PM.
The Borrower will be informed in advance of the details of the recovery agent who will be making the follow-up visit.
The collection/recovery agents are required to adhere to a board-approved Code of Conduct governing their
interactions with Borrowers. All practices followed in the collection and recovery of dues, as well as the enforcement
of security, will be in compliance with applicable laws.
If Si Creva has exhausted all the actions outlined above without achieving a resolution, legal proceedings may then
be initiated as permitted by applicable laws and in accordance with the terms of the Financing Documents,

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 Schedule 2- Details of Grievance Redressal Mechanism and Grievance Officer:

Level 1:

022 62820570 / 022 48914921

The customer can get in touch with the customer service executive over call between 9:30 am to 6:30 pm, 7 days
Call a week & 365 days a year by dialling the above number.
If the customer is unable to connect due to temporary heavy call volumes. A callback shall be attempted, in most
of the cases, by the customer services team to the customer to resolve his query/grievances.

022 48913631

The customer can get in touch with the customer service executive over Chat (preferably from his/her registered
mobile number) between 9:30 am to 6:30 pm, 7 days a week & 365 days a year by saving the above Official
Chat WhatsApp Chat number on his/her smartphone. In addition to WhatsApp Chat, the customer can also Chat with
the customer service executive by simply using the Chat option given in the Kissht/PaywithRing App.
During non-working hours, the customer can use the automated Chatbox service available on the same number
for getting his/her basic queries resolved and for raising a grievance too.

[email protected]
Email a. The customer can get in touch with the customer service executive over Email by sending his query/grievance
(preferably from his/her registered email id) to the above mentioned email id of the company.

Level 2: If customer is unable to get a satisfactory response or is unable to reach the above Level 1 channels for Grievance Redressal,
he/she may choose to escalate the issue to the below mentioned officer’s:

Grievance Redressal Officer (GRO) Principal Nodal Officer (NO)

Mukul Dwivedi Benishba Jivin
Address: 10th Floor, Tower 4, Equinox Park, LBS Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla
Lender Marg, Kurla West, Mumbai, Maharashtra 400070 West, Mumbai, Maharashtra 400070
Ph: 7967112136 Ph: 8046983691

Email: [email protected] Email: [email protected]

Grievance Redressal Officer (GRO) Nodal Officer (NO)

Pravin Rathod Zaffar Khan
Address: 10th Floor, Tower 4, Equinox Park, LBS Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla
LSP Marg, Kurla West, Mumbai, Maharashtra 400070 West, Mumbai, Maharashtra 400070
Ph: 080-68249277 Ph: 080-68249278

Email: [email protected] Email: [email protected]

Important Notes:

a. The Grievance Redressal Officer (GRO) may be reached on the number provided above anytime between 10:00 and 18:00
from Monday to Saturday except public holidays or through the e-mail address above. The GRO shall endeavor to resolve the
grievance within a period of 14 days from the date of receipt of a grievance.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Digitally Signed by SI CREVA CAPITAL SERVICES

Kissht
PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
[email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 b. If the Borrower does not receive a response from the GRO within 14 (fourteen) days of making a representation, or if the
Borrower is not satisfied with the response received from the GRO, the Borrower may reach the Nodal Officer anytime
between 10:00 to 18:00 from Monday to Saturday except public holidays or write to the Nodal Officer at the e-mail address
above.
c. If the grievance is not redressed by the Nodal Officer of the Company, within a period of 30 (thirty) days, then the borrower
can lodge a complaint over the Complaint Management System (CMS) portal under the Reserve Bank- Integrated
Ombudsman Scheme (RB-IOS).

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921

Digitally Signed by SI CREVA CAPITAL SERVICES

PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 KEY FACT STATEMENT
Name of the Borrower HASAN ABBAS

Address of the Borrower 7/193A SEMATHAMMAN NAGAR 1ST STREET KOYAMBEDU TIRUVALLUR TAMIL NADU Tiruvallur TAMIL NADU 600107

Name of Lender (RE) Si Creva Capital Services Private Limited

Name of the Lending Service Provider (LSP) OnEMI Technology Solutions Private Limited

Name of the Digital Lending Application (DLA) Kissht

Date of Issuances 2024-12-02 09:27:56

Validity Period of KFS 30 Days

Sr.no. Parameter Details

PART 1- INTEREST RATES AND FEES/ CHARGES

Loan proposal/ account No. FAST7361733111646942

Type of Loan Personal Loan

(i) Sanction Loan Amount (in Rupees) 28020

Disbursement Schedule

Disbursement in stages or
a 100% upfront. 100% upfront
If it is stage wise, mention the
clause of loan agreement
having relevant details

b Disbursement Date 02-12-2024

c Interest details

(ii) Total Interest Amount (in Rs.) 1322

a Rate of Interest (% per annum) 28%

Interest Type (fixed or floating or

b Fixed
hybrid)

Additional Information in case of

c Not Applicable
Floating rate of interest

Reset periodicity Impact of change in the reference benchmark (for 25

Reference Benchmark rate Spread (%) Final rate (%) R = (Months) bps change in ‘R’, change in:)
Benchmark (%) (B) (S) (B) + (S)
B S EPI (Rs.) No. of EPIs

- - - - - - - -

(iii) Fees and Charges

Payable to the RE (A) Payable to a third party through RE (B)

One-time/ Amount (in Rs) or Percentage (%) as One- Amount (in RS) or Percentage (%) as
Recurring applicable time/Recurring applicable

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

Digitally Signed by SI CREVA CAPITAL SERVICES
[email protected] https://sicrevacapital.com (022) 6282 0570
RING
PRIVATE LIMITED
[email protected]
Date:2024-12-02 04:00:42 UTC
https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
(022) 6282 0570 / (022) 4891 4921
 a. Processing Fees One-time 1653 NA NA

b. Insurance Charges NA NA NA NA

c. Valuation Fees NA NA NA NA

Any Other (Please

d. NA NA NA NA
specify)

Net Disbursement Amount (in Rs.) (i)-

(iv) 26367
(iii)

Total Amount to be Paid (in Rs.) (sum of

(v) 29342
(i), and (ii)

Annual Percentage Rate (% per

annum) Effective annualized interest
(vi) rate (in percentage) (computed on Net 66%
Disbursed Amount using IRR approach
and reducing balance method)

(vii) Loan term (year/months/days) 3 Months

(viii) Instalment Details

a Type of Instalments Monthly

Number of Equated Periodic

b 3
Instalments (EPIs)

Equated Periodic Instalment (EPI) (in

c 9779
Rs.) (as per Annexure A)

Commencement of repayment, post

d 2025-01-02
sanction

Details of Contingent
(ix) Charges

Penal charges, if any,

a
in case of delayed Refer - Annexure B

payment
b Other penal charges, if any Refer - Annexure B

c Foreclosure charges, if applicable Refer - Annexure B

Charges for switching of loans from

d Refer - Annexure B
floating to fixed rate and vice versa

e Any other charges (please specify) Refer - Annexure B

(x) Part 2 (Other qualitative information)

a Clause of Loan agreement relating to Appointment of third parties by the Lender

engagement of recovery agents
The Borrower accepts that the Lender shall without prejudice to its right to perform the activities itself or through its officers or
employees or other authorised agents, be entitled, and have full power and authority, to appoint one or more third parties and
delegate to such third party all or any of its functions, rights and powers under this Agreement relating to the administration of the
Loan including the right to collect and receive on behalf of the Lender all the dues under this Agreement and give valid and
effectual receipts and discharge to the Borrower and to perform and execute all lawful acts, deeds, matters and things connected

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

Digitally Signed by SI CREVA CAPITAL SERVICES
[email protected] https://sicrevacapital.com (022) 6282 0570
RING
PRIVATE LIMITED
[email protected]
Date:2024-12-02 04:00:42 UTC
https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
(022) 6282 0570 / (022) 4891 4921
 herewith or incidental hereto. For the purpose aforesaid or any other purpose which the Lender at the sole discretion may deem
fit, the Lender shall be entitled to disclose to such third parties all necessary and relevant information pertaining to the Borrower.
The details of the Recovery mechanism are annexed in Schedule- 1.

The Lender facilitates resolution of customer’s grievances. In the event of any complaint/ issue please refer to the Grievance Officer
Clause of Loan agreement which details
b details annexed in Schedule-2.
grievance redressal mechanism

The Lender facilitates resolution of customer’s grievances. In the event of any complaint/ issue please refer to the Grievance Officer
Phone number and email id of the
c details annexed in Schedule-2.
nodal grievance redressal officer

YES,ASSIGNMENT
The Borrower shall not be entitled to jointly or severally transfer or assign all or any of their right or obligation or duties
under the Financing Documents to any person directly or indirectly or create any third-party interest in favour of any
Whether the loan is, or in future maybe, person without the prior written consent of Lender.
d subject to transfer to other REs or Lender shall be entitled to sell, transfer, assign or securitise in any manner whatsoever (in whole or in part and including
securitisation (Yes/ No) through grant of participation rights) all or any of its benefits, right, obligation, duties and / or liabilities under Financing
Documents, without the prior written consent of, or intimation to the Borrower in such manner and such terms as Lender
may decide. In the event of such transfer, assignment or securitization, the Borrower shall perform and be liable to
perform their obligation under the Financing Documents to such assignee or transferor. In such event, the Borrower shall
substitute the remaining Auto-Mandate in favour of the transferee/ assignee if called upon to do so by Lender.

(xi) In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details may be furnished:

Name of the originating RE, along with its funding proportion Name of the partner RE along with its proportion of funding Blended rate of interest
a NA NA NA

(xii) Other disclosures

Cooling off/look-up period during

a which borrower shall not be charged 3 Days
any penalty on prepayment of loan

Details of LSP acting as recovery agent

OnEMI Technology Solutions Private Limited and for other recovery agents details please click here
b and authorized to approach the
https://sicrevacapital.com/collection-agencies/
Borrower

For Privacy Policy, please find below links

Si Creva :- https://sicrevacapital.com/privacy-policy
PaywithRing:- https://www.paywithring.com/consumer/privacy-policy
Kissht:- https://www.kissht.com/privacy-policy

For Statement of Accounts, please contact customer care

[email protected]

For copies of the Fair Practices Code, Loan Agreement, Sanction Letter, and other loan-related
documents in your preferred vernacular language, please contact customer care
[email protected]

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

Digitally Signed by SI CREVA CAPITAL SERVICES
[email protected] https://sicrevacapital.com (022) 6282 0570
RING
PRIVATE LIMITED
[email protected]
Date:2024-12-02 04:00:42 UTC
https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
(022) 6282 0570 / (022) 4891 4921
 Schedule 1 - Details of Recovery Mechanism:
a. Si Creva Capital Services Private Limited (“Si Creva”) is an RBI registered NBFC that follows all extant rules related to collections practices as laid down under regulations.
b. The course of action followed by Si Creva in the event of default by the Borrower in repaying the scheduled repayment(s) is as follows:
In the event of any delay or default in payment of any amount due and payable by the Borrower in relation to the loan, the immediate action taken is to initiate messaging
through SMS, in-app chat, Verified WhatsApp Business Account, IVR, notifications, and tele-calling. Calls to the Borrower(s) will be made within 8.00 am to 7.00 pm.
Si Creva delegates the recovery process to its network of field agents, who will visit the Borrower at the location which is stated in the loan application journey. A personal visit will
also be made if specifically requested by the Borrower(s) at an alternative location of their choice. These visits will occur between 8:00 AM and 7:00 PM.
The Borrower will be informed in advance of the details of the recovery agent who will be making the follow-up visit. The collection/recovery agents are required to adhere to a
board-approved Code of Conduct governing their interactions with Borrowers. All practices followed in the collection and recovery of dues, as well as the enforcement of
security, will be in compliance with applicable laws.
If Si Creva has exhausted all the actions outlined above without achieving a resolution, legal proceedings may then be initiated as permitted by applicable laws and in
accordance with the terms of the Financing Documents,

Schedule 2- Details of Grievance Redressal Mechanism and Grievance Officer:

Level 1:

022 62820570 / 022 48914921

Call The customer can get in touch with the customer service executive over call between 9:30 am to 6:30 pm, 7 days a week & 365 days a year by dialling the above number.
If the customer is unable to connect due to temporary heavy call volumes. A callback shall be attempted, in most of the cases, by the customer services team to the
customer to resolve his query/grievances.

022 48913631

The customer can get in touch with the customer service executive over Chat (preferably from his/her registered mobile number) between 9:30 am to 6:30 pm, 7 days a
Chat week & 365 days a year by saving the above Official WhatsApp Chat number on his/her smartphone. In addition to WhatsApp Chat, the customer can also Chat with
the customer service executive by simply using the Chat option given in the Kissht/PaywithRing App.
During non-working hours, the customer can use the automated Chatbox service available on the same number for getting his/her basic queries resolved and for
raising a grievance too.

[email protected]

Email a. The customer can get in touch with the customer service executive over Email by sending his query/grievance (preferably from his/her registered email id) to
the above mentioned email id of the company.

Level 2: If customer is unable to get a satisfactory response or is unable to reach the above Level 1 channels for Grievance Redressal, he/she may choose to escalate the issue to the below
mentioned officer’s:

Grievance Redressal Officer (GRO) Nodal Officer (NO)

Mr. Mukul Dwivedi Ms. Benishba Jivin
Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai,
Maharashtra 400070 Maharashtra 400070
Lender Ph: 7967112136 Ph: : 08046983691

Email: [email protected] Email: [email protected]

Grievance Redressal Officer (GRO) Nodal Officer (NO)

Mr. Pravin Rathod Mr. Zaffar Khan
Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai,
Maharashtra 400070 Maharashtra 400070
LSP 1 Ph: 080-68249277 Ph: : 080-68249278

Email: [email protected] Email: [email protected]

LSP2 - -

Important Notes:

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

Digitally Signed by SI CREVA CAPITAL SERVICES
[email protected] https://sicrevacapital.com (022) 6282 0570
RING
PRIVATE LIMITED
[email protected]
Date:2024-12-02 04:00:42 UTC
https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
(022) 6282 0570 / (022) 4891 4921
 a. The Grievance Redressal Officer (GRO) may be reached on the number provided above anytime between 10:00 and 18:00 from Monday to Saturday except public holidays or through
the e-mail address above. The GRO shall endeavor to resolve the grievance within a period of 14 days from the date of receipt of a grievance.
b. If the Borrower does not receive a response from the GRO within 14 (fourteen) days of making a representation, or if the Borrower is not satisfied with the response received from the
GRO, the Borrower may reach the Nodal Officer anytime between 10:00 to 18:00 from Monday to Saturday except public holidays or write to the Nodal Officer at the e-mail address
above.
c. If the grievance is not redressed by the Nodal Officer of the Company, within a period of 30 (thirty) days, then the borrower can lodge a complaint over the Complaint Management
System (CMS) portal under the Reserve Bank- Integrated Ombudsman Scheme (RB-IOS).

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

Digitally Signed by SI CREVA CAPITAL SERVICES
[email protected] https://sicrevacapital.com (022) 6282 0570
RING
PRIVATE LIMITED
[email protected]
Date:2024-12-02 04:00:42 UTC
https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
(022) 6282 0570 / (022) 4891 4921
 Annexure A: Repayment Schedule:
Instalment number Instalment date Outstanding Principal (in Rs) Principal (in Rs.) Interest (in Rs.) Instalment (in Rs.)

1 2025-01-02 28020 9113 666 9779

2 2025-02-02 18907 9329 450 9779

3 2025-03-02 9578 9578 206 9784

Note:

a. Please note that this Key Fact Statement and the repayment schedule is applicable in respect of availing a Loan as of this moment, and is intended to be merely illustrative in case if the
Loan is intended to be availed in future. For the sake of clarity, if the Loan is availed in future, in that case depending upon the actual amount intended to be availed by the borrower and
the actual date of disbursement, a revised Key Fact Statement and the repayment schedule shall be shared, before the execution of the Loan contract.
b. If the borrower chooses to prepay the loan, the repayment schedule shall be amended accordingly.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

Digitally Signed by SI CREVA CAPITAL SERVICES
[email protected] https://sicrevacapital.com (022) 6282 0570
RING
PRIVATE LIMITED
[email protected]
Date:2024-12-02 04:00:42 UTC
https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
(022) 6282 0570 / (022) 4891 4921
 Annexure B- Details of Contingent charges:
Late Payment charges:

Bounce Charges (One-

Rs. 750 + Applicable taxes per EMI per instance of default and the same is payable apart from payment of applicable Daily Penal charges
time fee)

Penal Charges for continuing default in repayment of EMI @ 0.2% (Per day) + GST of
Penal Charges
the overdue principal amount at an annualized rate of 85% p.a (Inclusive of all taxes).
Important Notes

Bounce Charges & Penal Charges will be applied if the EMI repayment is done after the scheduled due date or if otherwise applicable as per the terms of the Financing Document
(collectively referred to as “Late Payment Charges”).

Foreclosure charges 4% + Applicable Taxes on the principal amount foreclosed. The foreclosure charges will not be applicable during the cooling-off period.

Other charges Stamp duty and other cess would be collected at applicable rates from time to time.

Important Note:

As and when any updates to the fees & charges are introduced by the Lenders, the borrower shall be intimated about such changes by email or otherwise in the manner prescribed for
the same from time to time by Lenders. The borrower shall at all times ensure that his/her lawww mobile number and email ID is updated with the Lenders. The Lenders shall rely upon the
mobile number and email ID provided by the borrower, and shall not be obliged to verify or make further inquiry into the validity of the mobile number and email ID provided by the
borrower. The borrower shall in no circumstance dispute such reliance by the Lenders.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921

Digitally Signed by SI CREVA CAPITAL SERVICES

PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461
 Illustration for computation of APR for Retail and MSME loans
Sr. No. Parameter Details

1 Sanctioned Loan amount (in Rupees) (SL no. 1 of the KFS) 28020

2 Loan Term (in years/ months/ days) (SI No.7 of the KFS template – Part 1 ) 3 Months

a) No. of instalments for payment of principal, in case of non-equated periodic loans -

Type of EPI
Monthly
Amount of each EPI (in Rupees) and
9779
Nos. of EPIs
b) 3
(e.g., no. of EMIs in case of monthly instalments)
(SI No.5 of the KFS template – Part 1)

c) No. of instalments for payment of capitalised interest, if any -

d) Commencement of repayments, post sanction (SI No. 8(d) of the KFS template – Part 1) 2025-01-02

3 Interest rate type (fixed or floating or hybrid) (SI No. 6 of the KFS template – Part 1) Fixed

4 Rate of Interest (SI No.6 of the KFS template – Part 1) 28%

5 Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on sanction date (in Rupees) 1322

6 Fee/Charges payable (in Rupees) 1653

A Payable to the RE (SI No.8A of the KFS template – Part 1) 1653

B Payable to third-party routed through RE (SI No.8B of the KFS template – Part 1) -

7 Net disbursed amount (1-6) (in Rupees) 26367

8 Total amount to be paid by the borrower (sum of 1 and 5 ) (in Rupees) 29342

9 Annual Percentage rate- Effective annualized interest rate (in percentage) (SI No.9 of the KFS template – Part1) 66%

10 Schedule of disbursement as per terms and conditions -

11 Due date of payment of instalment and interest 2025-01-02 2 of every month

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
RING [email protected] https://www.paywithring.com 022 41434302 / 022 68135496
Kissht [email protected] https://www.kissht.com (022) 6282 0570 / (022) 4891 4921

Digitally Signed by SI CREVA CAPITAL SERVICES

PRIVATE LIMITED
Date:2024-12-02 04:00:42 UTC
Form verified by Employee Name :Tushar Panhale
Employee Code: SCCSPL100461