IDFCFIRST/PL_APP/25122023

APPLICATION FORM-RESIDENT INDIVIDUAL

Date: 22/03/2025
Applicant Type : Applicant

APPLICATION DETAILS

Reference No. 400434722700 Requested Loan Amount 850000

Requested Tenure 60 Bundled Loan Amount 877563.00
Scorecard Scheme PL - SCORECARD Smart PL false

SOURCING DETAILS

Lead Source DSA Purpose Of Loan Marriage

Other loan Purpose Location LUCKNOW
Sales Officer 23941 FINBUD FINANCIAL SERVICES Relationship Officer ABHISHEK KUMAR
FOS

PERSONAL DETAILS

First Name Jaydeep Middle Name Last Name Kumar

Email [email protected] Mobile 9648019382 Date of Birth 08/08/1997
Educational
Gender Male Marital Status
Qualification
Religion HINDU Minority Community N Category GENERAL
Mother First Name Sri Mother Middle Name Mother Last Name Kanti
Father First Name RAJ Father Middle Name Father Last Name POOT
Spouse First Name Spouse Middle Name Spouse Last Name
Aadhar
Aadhaar XXXXXXXX2552 Acknowledgement Passport
Number
Voter ID Driver's License PAN HETPK9005M
Driver's License
Passport Expiry Date
Expiry Date

Whether Relative to Senior Management of Whether Relative to Director of IDFC

No No
IDFC FIRST Bank Ltd FIRST Bank Ltd
Whether Director of IDFC FIRST Bank No Whether Director of any other Bank No
Whether Relative to Senior Officer of
Whether Senior Officer of IDFC FIRST Bank No No
IDFC FIRST Bank
Politically Exposed Person (PEP) No

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 EMPLOYMENT DETAILS
OTHER
Private Limited
Employment Type Salaried Industry/Profession COMMUNICATION Type of Organisation
Company
SERVICES
OZONE OVERSEAS
Employer Name Business Name Nature of Business
PRIVATE LIMITED
Present Work
Designation MGR Department IT
Experience(In Years)
Previous Work Monthly Net Take
Work Email Address [email protected] 62951
Experience(In Years) Home

GST DECLARATION

1) GST RegdNo. : Yes No 2) GSTIN No. ___________________________ That I have shared correct GSTIN., hence separate verification of my GSTIN is not
required and I shall not hold IDFC FIRST Bank Limited liable for loss of credit arising on account of incomplete, erroneous or wrong GST details. For all GST
purposes the mailing address will be consider as place of supply i.e. GST address

APPLICANT ADDRESS
Address Type Alternate Communication Address
Line 1 S O Rajpoot shantinagar post Line 2 sarojninagar Amausi Lucknow Uttar
Line 3 Pradesh 226008 Landmark LUCKNOW
State UTTAR PRADESH City LUCKNOW
Landline Mobile
Pincode 226008 Property Status Owned Mailing Address No
Address Type Residence Address
Line 1 S O Rajpoot shantinagar post Line 2 sarojninagar Amausi Lucknow Uttar
Line 3 Pradesh 226008 Landmark LUCKNOW
State UTTAR PRADESH City LUCKNOW
Landline Mobile
Pincode 226008 Property Status Owned Mailing Address Yes
Address Type Permanent Address
Line 1 S O Rajpoot shantinagar post Line 2 sarojninagar Amausi Lucknow Uttar
Line 3 Pradesh 226008 Landmark LUCKNOW
State UTTAR PRADESH City LUCKNOW
Landline Mobile
Pincode 226008 Property Status Owned Mailing Address No
Address Type Office Address
Line 1 Gokhaley Marg, Gokhaley Line 2 Marg, Ap Sabha,
Line 3 Lucknow Landmark Near Dainik Jagraon
State UTTAR PRADESH City LUCKNOW
Landline Mobile
Pincode 226001 Property Status Corporate Provided Mailing Address No
Address Type GST Address
Line 1 S O Rajpoot shantinagar post Line 2 sarojninagar Amausi Lucknow Uttar
Line 3 Pradesh 226008 Landmark LUCKNOW
State UTTAR PRADESH City LUCKNOW
Landline Mobile
Pincode 226008 Property Status Owned Mailing Address No
Address Type address_PANProfile
Line 1 Line 2
Line 3 Landmark
State City
Landline Mobile
Pincode Property Status Mailing Address
Address Type Bank Statement Address
RAJPOOT SHANTINAGARPOST SAROJININAGAR
Line 1 SO Line 2
AMAUSI LUCKNOW UTTAR PRADESH INDIA
Line 3 Landmark
Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
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 State UTTAR PRADESH City LUCKNOW
REFERENCES
Landline Mobile
Pincode 226008 Property Status Mailing Address
Title MR. First Name ANKUR Last Name JAIN
Relation FRIEND Email Address Mobile 9168682569

Title MS. First Name ANUP Last Name BADLANI

Relation FRIEND Email Address Mobile 9993012284

DECLARATION
I/We declare that all the particulars and information given in the Application Form are true, correct, complete and up-to-date in all respects and I/We have not
withheld any information whatsoever. I/We confirm that no insolvency proceeding(s) or suit for recovery of outstanding dues or monies whatsoever and/or
criminal proceedings have been initiated and/or pending against me/us and that I/We have never been adjudicated insolvent/bankrupt by any court or other
authority. I/We declare that I/We have not made any payment in cash, bearer, cheque or kind along with or in connection with this Application or any other
Application fees to the executive collecting my/our Application/and I/We shall not hold IDFC FIRST Bank Limited liable for any such payment made by us to the
executive collecting this Application. I/We understand and confirm that the Application Form and all other documents submitted by me/us to IDFC FIRST Bank
Limited shall not be returned to me/us and IDFC FIRST Bank Limited shall have the right to retain the same. I/We have read the Application Form and
brochures and are agreeable to all the terms/conditions of availing finance from IDFC FIRST Bank Limited/its Group Companies. I/We authorise IDFC FIRST
Bank Limited/its Group Companies/its Agents to make reference and enquiries relevant to information in this Application Form which IDFC FIRST Bank
Limited/its Group Companies/its Agents consider necessary. I/We undertake to inform IDFC FIRST Bank Limited/its Group Companies/its Agents regarding the
change in the residential addresses/employment/profession and to provide any further information that IDFC FIRST Bank Limited/its Group Companies/its
Agents may require. I/We further declare and confirm that the credit facilities if any enjoyed by me/us with banks/financial institutions/non banking finance
companies has been disclosed here in above. I/We agree that IDFC FIRST Bank Limited may provide the credit facilities mentioned herein only if permitted
and if approved in the manner specified or required by the Reserve Bank of India from time to time. I/We confirm that I/We shall not use the credit facility (or
any part thereof) for any improper, illegal or unlawful purpose/activities.I/We have been read out and explained in the language known to me/us, the contents
of the Application Form for availing the loan from IDFC FIRST Bank Limited by the executive of the Bank and I/we have signed the said Application Form after
having understood them and by signing the same. I/we wish to avail of the NACH/PDC/SI facility and hereby express my/our unconditional consent to debit
my/our loan instalments etc., from above mentioned account through NACH/PDC/SI. l/We authorize the bank to honour all such instructions. l/we authorize the
representative of the Company to get this mandate verified and registered with bank. Mandate Verification Charges (if any) may be charged to my/our account.
I/We will ensure sufficient balance in the funding account on the date of execution. In case NACH/PDC/SI instruction is unsuccessful due to financial reasons,
the NACH/PDC/SI instructions will be presented again for clearance. I/We will bear the bounce changes for transactions that have been unsuccessful due to
financial reason. I/we hereby agree to abide and be bound by all applicable rules/regulations/instruction /guidelines including but not limited to those issued by
the Reserve Bank of India including the FEMA Regulations 2000 governing EEFC Accounts, the Foreign Exchange Management Act, 1999 and Foreign
Account Tax Compliance Act, 2010(to the extent applicable to India) and the Common Reporting Standards (CRS), in force time to time. I/we confirm having
declared our status as per the rules applicable under section 285BA of the Income Tax Act, 1961 (the Act) as notified by Central Board of Direct Taxes (CBDT)
in this regard. I/WE confirm that except to the extent disclosed to the Bank, no director or a relative (as specified by RBI) of a director of a banking company
(as specified by RBI) or a relative of a senior officer of the Bank (as specified by RBI) is - the applicant(s), or a partner, managing agent, manager, employee,
director of our concern, or of our subsidiary or our holding company, or a guarantor on my/our behalf, or holds substantial interest in our concern or my/our
subsidiary or holding company Country of birth India Place of birth India Country of residence as per tax laws India Foreign TIN NA TIN Issuing country NA.
If I provide deemed address proof, then within 3 months from date of disbursal, I will share the updated Officially Valid Document with the current address. I
hereby consent to receive information about my loans and offers on WhatsApp on my registered number The Borrower shall ensure that neither the Borrower
nor any director/partner/member/trustee of the Borrower has been declared a willful defaulter; in case any director/partner/member/ trustee has been declared
as a willful defaulter, the Borrower shall take expeditious steps for removal of such person. I/We hereby submit voluntarily at my/our own discretion, the
physical copy of Aadhaar card/physical e-Aadhaar / masked Aadhaar / offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), to IDFC FIRST Bank for
the purpose of establishing my/our identity / address proof and voluntarily give my/our consent in connection with me availing the Financial Facility from IDFC
FIRST Bank and processing instructions for the said purpose and hereby give consent to IDFC FIRST Bank for verification of my Aadhaar to establish its
genuineness through any such acceptable manner stipulated by UIDAI or under any Act or law from time to time. I/We have also been explained that
submission of this document is not mandatory. I/we have the option to submit any one of the documents as per the list of Officially Valid Documents (updated
by the RBI from time to time).The consent and purpose of collecting Aadhaar has been explained to me/us in local language. IDFC FIRST Bank has informed
me/us that I am/We are required to redact/ blacken out the first eight digits of Aadhaar number so that only last four digits of the Aadhaar number are visible;
and in case I/We do not redact/ blacken out the first eight digits of Aadhaar number, I/We authorized IDFC FIRST Bank to redact/blacken out the Aadhaar
number through appropriate means on my/our behalf”. IDFC FIRST Bank has also informed me that this consent and my Aadhar will be stored with IDFC
FIRST Bank.

I/We undertake and declare that if there are any changes in the particulars and information given by me/us while availing the Loan facility, I/We shall within 30
days from the date of any such change in the particulars and information shall disclose the details of such changes to the Bank without withholding the same.

Would you like to receive updates about various offers and promotion from to time? Yes No If yes, mode of communication: Phone SMS E-mail
If my PAN is not linked with Aadhaar, I agree to get it linked within 90 days of disbursal of this loan.

"I hereby provide the consent to the Bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by the Bank for the compliance"

AUTHORISATION

I hereby authorise the Bank, without any notice to me to conduct credit checks, references, make enquiries, in its sole discretion and also authorise the Bank
and its agents to share and obtain information, records from any agencies, statutory bodies, credit bureau, bank, financial institutions, or any third party in
respect of the application, as it may consider necessary. The Bank shall not be liable for use/ sharing of the information. I would like to avail the benefits of
various the Bank loan offer schemes or loan promotional activities or any other promotional schemes and hereby authorize the Bank, its employees, agents,
representatives and associates to do so.
I confirm that laws in relation to the unsolicited communication referred in “national Do Not Call Registry” as laid down by Telecom Regulatory of India will not
be applicable for such communications/ calls/ SMSs received from IDFC FIRST Bank Limited, its representatives, agents.I hereby provide consent to send
SMS confirmation to reference contacts provided by me as part of the loan application process.The Bank reserves the right to retain the photograph and
Digitally Signed by Jaydeep
documents submittedKumar
with the Application and shall not returned back. IDFC FIRST Bank Limited shall be entitled at its sole and absolute discretion to
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 approve/reject this Application Form submitted by Applicant/Co-Applicant. a. I/we authorise the Bank to submit application/other relevant documents submitted
by me to CERSAI. I/we hereby provide my consent to receive information from Central KYC Registry through SMS/mail on the above registered number/email
address. I/We also authorize the bank to freeze my IDFC FIRST Bank account in an event of default.

Applicant/Co-applicant's Signature:________________________ Date:_______________ Place: LUCKNOW

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 BANK DETAILS

Bank Name HDFC BANK Account Number 50100270169977

Account Type SAVINGS Preferred Mode of Repayment NACH

OFFICE USE ONLY

Original seen & verified by Name DSA/Referral Code 23941

PRIORITY SECTOR LENDING

Employer Category CAT B Sub Category

DOCUMENTS REQUIRED

PAN (If not available then Form 60) is a mandatory document which is to be submitted, however it is not a Photo Identity Proof,
hence 1 of the below documents should be submitted as a Photo Identity Proof.
Photo identity proof*: Valid Passport with expiry date, photograph and signature; the driving license issued by regional transport
authority, proof of possession of Aadhaar number issued by UIDAI, the Voter's Identity Card issued by the Election Commission of
India, job card issued by NREGA duly signed by an officer of the State Government and letter issued by the National Population
Register containing details of name and address.
Address Proof*:
Official Valid Document*: Valid Passport with expiry date, photograph and signature; the driving license issued by regional
transport authority, proof of possession of Aadhaar number issued by UIDAI, the Voter's Identity Card issued by the Election
Commission of India, job card issued by NREGA duly signed by an officer of the State Government and letter issued by the National
Population Register containing details of name and address.
Deemed Official Valid Document**: Bank statement/Passbook (Scheduled Commercial Bank), rent agreement (registered or
notarized), utility bill which is not more than two months old of any service provider (electricity, telephone, post-paid mobile phone,
piped gas, water bill); Property or Municipal tax receipt; Pension or family pension payment orders (PPOs) issued to retired
employees by Government Departments or Public Sector Undertakings, if they contain the address; letter of allotment of
accommodation from employer, letter of allotment of accommodation from employer issued by State Government or Central
Government Departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial
institutions and listed companies and leave and license agreements with such employers allotting official accommodation.
Income proof*: Latest salary slip/certificate, Latest Audited Financials, Bank details with last 3 months salary credited.
Business Proof*: Qualification Certificate/Certificate of Practice (COP),Shop Act License/MOA & AOA/Sales TaxNat registration I
Partnership Deed. *Mandatory document/field. *Requirement of documents might vary according to the scheme chosen **Mandatory
if OVD is not available

ADDRESS
IDFC FIRST Bank Limited (formerly IDFC Bank Limited)

Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400
CIN: L65110TN2014PLC097792, [email protected], www.idfcfirstbank.com

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 st
1 Party : IDFC FIRST BANK LIMITED
nd
2 Party : Jaydeep null Kumar
Consideration Amount : INR 8,77,563
Stamp Reference No. : IN-UP63518566101481W
Execution Date : 400434722700

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

PERSONAL LOAN AGREEMENT

LD/PL Digital/ Nov 2024/v5

CUSTOMER NAME : Jaydeep Kumar

_________________________________________________________

LOAN ACCOUNT NUMBER : 400434722700

___________________________________________________

General Instructions

1) The Signature of the Borrower and Co-borrower should be the same on the Loan Agreement &
ApplicationForm.
2) The full Signature of the Borrower and Co-borrower is to be put in all places where there is a mark.
3) Customer Loan Agreement Copies are located at
https://www.idfcfirstbank.com/personal-banking/loans/personal-loan/terms-and-conditions

IDFC FIRST Bank Limited (formerly IDFC Bank Limited)

Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400
CIN: L65110TN2014PLC097792, [email protected], www.idfcfirstbank.com
Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Signature
Language Declaration
(Against appropriate box)

English

Hindi

Marathi

Gujarati

Bengali

Assamese

Oriya

Punjabi

Tamil

Telugu

Kannada

Malayalam

Konkani

Urdu

Sign against appropriate box

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
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 Stamp Ref No: IN-UP63518566101481W

PERSONAL LOAN AGREEMENT

This Agreement made on the day, month and year set out in the Annexure hereto between the
person(s) named in the annexure to this Agreement (hereinafter referred to as “the Borrower”, 2.2. The borrower is aware that if disbursement/further drawdown is not accepted or not
which expression shall, unless the context otherwise requires, include his/ her/their heirs, enchased by the borrower/previous financier within the period of 90 days then Bank shall be
executors and permitted assigns) of One Part; entitled to the following:-

AND a) The Bank shall have the right to recall the credit facility or stop further drawdown/
disbursement.
IDFC FIRST Bank Limited, formerly known as IDFC Bank Limited a company registered under
the Companies Act, 2013 and a banking company within the meaning of Banking Regulation b) The BT Cheque or DD issued in the name of previous financier/Borrower shall be cancelled.
Act, 1949 having its Registered Office at KRM Tower, 8th Floor, No: 1, Harrington Road,
c) The undrawn/ uncashed amount by the borrower/previous financier shall be adjusted towards
Chetpet, Chennai-600031, Tamilnadu, India, and among others, a branch office at the place
Principal outstanding as part prepayment of the loan amount, by giving effect to the EMI in the
specified in Annexure hereto (hereinafter called “The Bank” which expression shall, unless it be
Loan and keeping the loan tenor constant.
repugnant to the subject or context thereof, include its successors and assigns) of the Second
Part.
d) Part payment charges won’t be levied on aforementioned adjusted amount.
The Borrower and the Bank are hereinafter collectively referred to as ‘Parties’ and individually
e) Revised loan repayment schedule shall be assigned to the borrower.
as the ‘Party’.
f) Borrower won’t be entitled for refund of any processing fees, service charge and /or other
WHEREAS, The Borrower has/have approached the Bank for grant/sanction of loan for the
charges/fees/costs(if any). All these charges( if applicable) would be payable to the Bank
amount and the purpose (“Purpose”) as stated in the Schedule hereto which the Bank, has vide
whether or not the Credit facility has been drawn by the borrower.
Sanction Letter agreed to grant/extend to the Borrower. The Parties hereto are desirous of
recording the terms and conditions in relation to the Loan to be made by the Bank to the
2.3. The borrower is aware that BT Cheque OR DD will be reissued within the span of 90 days
Borrower on the terms and conditions hereinafter contained.
of disbursement only if the said Cheque or DD is mutilated or has spelling error or for any
reason is not acceptable by the previous financier.
Unless a contrary indication appears, any reference in this Agreement to:
2.4. The Bank may not disburse at any time, any amount under the Loan unless the following
i) Any expression not defined herein but defined in the General Clauses Act, 1897, the meaning
conditions are complied with in the sole discretion of the Bank:
or interpretation assigned to such expression therein shall also carry the same meaning herein;
i) This Agreement is duly executed and delivered to the Bank by the Borrower;
ii) A person includes any person, firm, company, corporation, government, state or agency of a
state or any association, trust or partnership (whether or not having separate legal personality);
ii) The Borrower’s submission to the satisfaction of the Bank of a certificate of employment from
his employer and his financial statements;
iii) the singular includes the plural (and vice versa);
iii) The Borrower’s submission to the Bank, post-dated cheques towards repayment instalments;
iv) reference to the masculine gender includes references to the feminine gender and the neuter
and
gender and vice versa.
iv) Any other document or writing as the Bank may require in its sole discretion.
NOW, THESE PRESENTS WITNESSETH AND IT IS HEREBY AGREED BY AND BETWEEN
THE PARTIES HERETO AS FOLLOWS-
v) The Borrower(s) having furnished such Security as may be required by the Bank, as more
specifically detailed in the annexure, in a form and manner satisfactory to the Bank.
1.1. INTEREST

1.1.1. The Borrower shall pay interest on the Loan as per the Rate of Interest specified in the
3. Repayment
Annexure as amended from time to time and shall be computed and debited to the Loan
Account as following-
3.1. The Loan (including the principal, interest thereon and any other charges, premium, fees,
taxes levies or other dues payable by the Borrower to the Bank in terms of this Agreement) shall
i) On the day of each calendar month/quarter/half year/year as stated in the Annexure;
be repayable by the Borrower to the Bank-
ii) Taking the basis of 365 days a year;
i) At the Branch (or at any other branch of the Bank or at any other place as may be notified by
the Bank) by way of standing instruction and/or electronic clearing system or in any other
iii) On the actual amount outstanding on the last day of the preceding period of one
manner as the Bank may specify from time to time in writing.
month/quarter/half year/year as stated in the Annexure.
ii) By way of EMI as mentioned in the Annexure towards repayment of principal and interest;
1.2. FEES/CHARGES/COSTS
and
1.2.1. The Borrower has paid/agreed to pay on or before the disbursement of the Loan to the
3.2. Notwithstanding anything to the contrary contained in the present, the Borrower agrees with
Bank the processing charges, service charges, (including service tax, if any), disbursement
the Bank that the Bank shall have the right at any time or from time to time to review and
charges, collection charges (if payments are made to a third party beneficiary), penalties (if
reschedule the repayment terms of the Loan or of the outstanding amount thereof in such
any), registration charges, other charges/fees/costs etc. as mentioned in the Annexure. Such
manner and to such extent as the Bank may at its sole discretion decide.
processing fees, service charge and /or other charges/fees/costs shall be non-refundable and
would be payable to the Bank whether or not the Loan has been drawn down.
3.3. The Borrower also undertakes and agrees to pay the interest on the loan, free from any
deduction whether on account of tax or otherwise.. The Borrower shall be held accountable by
1.2.2. The Borrower agrees and covenants with the Bank to promptly pay (a) the applicable
the Bank for any claim which may be made in this regard by any tax authorities and undertake
stamp duty on this Agreement and also on such other documents as may be executed in
to pay forthwith any such demands which the Bank may become liable to pay. If the Borrower
relation / incidental to the presents, (b) all present and future taxes which may include any
fails to pay the amount so demanded by the Bank, then the Borrower hereby authorises the
duties, expenses and other charges whatsoever in relation to this Agreement, the Loan and/or
Bank to enforce any Security that might have been created in relation to the Loan, for the
the Security or any other charges or benefits under this Agreement including interest and/or
purpose of recovery of the said tax amount.
penalty charges and (c) all other charges, costs and expenses from time to time specified by the
Bank (including all costs and expenses incurred or paid by the Bank) in relation to this
3.4. Delay in payment of EMI etc.
Agreement and/or any Security and/or for recovery of the Loan or any part thereof. In case of
failure of the Borrower to pay the foregoing, the Bank shall be entitled to debit all other amounts i) On happening of any Event of Default as set out in Article 6 of this Agreement:
due and payable by the Borrower under this Agreement to the Loan Account and the same shall
form part of the Loan a) Such defaulted amount shall carry penal charges, computed from the respective due dates;
and
1.2.3. Borrower is aware that penal charges means charges which the Bank shall impose for
delay in payments by the Borrower. Said charges shall be over and above the applicable b) The Borrower shall at its own pay the penal charges in such form form and manner as may
charges and interest rates as specified in the Schedule of Charges/Key Fact Statement and the be required by the Bank.
same may be amended from time to time by the Bank. It is further specified that penal charges
as set out in the schedule are without prejudice to the Bank’s right to recall the entire loan or to ii) The penal charges shall be charged/debited to the Loan Account on the respective due
initiate any recovery action. dates.
2. DISBURSEMENT iii) The Borrower agrees to issue ECS/SIs (referred to as ‘Repayment Instructions’ in the
agreement) for the repayment of the Loan and is fully cognizant that dishonor of the repayment
2.1. The Bank shall, subject to the provisions of this Agreement and unless agreed between the of the Loan is a criminal offence under the law. Additionally, the Bank will also accept payment
Borrower and the Bank otherwise, disburse the Loan by issuing a Banker’s Payment Order or a through NEFT/RTGS and the Borrower can choose to avail such options when required to make
Demand Draft crossed as “A/c Payee only”: payment towards the loan account.
i) In the name of such party(ies) as per the instructions of the Borrower iv) The Borrower acknowledges that the ECS/SI mode of repayment is issued in favor of the
Bank, in advance for the payment of the EMIs. The Bank may at any time at its sole discretion,
ii) In the name of the previous financier towards the repayment of the previous loan to be taken with prior notice to the Borrower, make a demand for the repayment of the loan and dues
over by utilising the Loan; or thereto. The Borrower shall not revoke the ECS/SI mode for payment of the EMIs during the
tenure of this Agreement, except with the prior approval of the Bank. In case the Borrower
iii) in the name of the Borrower, at the discretion of the Bank. The disbursement made as above revokes his/her consent to participate in the ECS/SI mode without obtaining the prior written
shall be deemed to be a disbursement to the Borrower. consent of the Bank, the same shall be deemed to be an ‘Event of Default’, as defined in this

Digitally Signed by Jaydeep Kumar

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 Stamp Ref No: IN-UP63518566101481W

Agreement the Bank shall have the right to forthwith recall the Loan without giving any notice to 5.1.6. The Borrower acknowledges and accepts the rates of interest and its calculation method,
the Borrower. Notwithstanding anything contained herein, the Bank shall have the right to other fees, charges and all other amounts payable as per the terms of this Agreement as
initiate criminal action or take any other action/remedy available under the applicable laws reasonable and the Borrower has understood the meaning of each terms and financial
against the Borrower. implications, amounts payable and liabilities and obligations created under this Agreement

v) The Borrower undertakes that in the event of any variation in: 5.1.7. Any security(ies) furnished by the Borrower(s), under any other agreement entered into or
to be entered into with the Bank, including its subsidiaries shall be deemed to be the
a) The date of payment of EMI or any other amount payable under this Agreement; security(ies) under this Agreement. Further the Borrower(s) agree(s) that the security(ies)
offered in respect of this Loan shall be deemed to be continuing security(ies) in respect of other
b) The amount of interest, principal or EMIs; loan(s)/facility(ies) obtained/to be obtained by the Borrower(s) from the Bank and shall not be
discharged till such time all the loan(s)/facility(ies) are fully discharged to the satisfaction of the
c) The numbers thereof; or if other wise required by the Bank, the Borrower shall forthwith issue Bank.
fresh PDCs/ ECS/SI instructions to the Bank as may be required by the Bank.
5.1.8. The Borrower is aware that Sanction letter shall be read in conjunction with the provisions
vi) If the Borrower at any time during the tenure of the Loan, wishes to replace any Repayment of this Loan Agreement and in the event of any conflict in the terms of the aforesaid sanction
Instrument (SI/ NACH mandate) with another then the Borrower will be required to pay swap letter and this Loan Agreement, the terms of Loan Agreement will prevail over the said Sanction
charges as may be determined by the Bank for every Repayment Instrument so replaced. It is Letter, also the Bank/IDFC FIRST shall be entitled to alter/vary/modify the terms and conditions
clarified that it shall be at the sole discretion of the Bank to either replace the Repayment of this Agreement or the Sanction Letter at any time by notice in writing to the Borrower or
Instrument or to refuse the same. notifying the same on its website, either on its own accord or as may be required by any
Statutory Authority
vii) Notwithstanding anything to the contrary contained in this Agreement and irrespective of the
mode of repayment selected by the Borrower, upon any default by the Borrower in repayment of 5.1.9. The Borrower understands, acknowledges and agrees that the Facilities are uncommitted
any of the EMI/any other amount due under the Agreement, the Bank shall be entitled, without facilities, are recallable by IDFC FIRST Bank at any time and may be canceled and repudiated
prejudice to its other rights under the Agreement or law, to present and/or re-present the in part or in entirely by IDFC FIRST Bank at any time without notice and without giving any
Repayment Instrument issued by the Borrower in favour of the Bank. reason. Sanction or part disbursal of the facility should not be construed as giving rise to binding
obligations on the part of IDFC FIRST Bank to provide the facility mentioned aforesaid. The
3.5. In case the Borrower has availed internet banking facility of the Bank for repayment of the Facility mentioned aforesaid will be available solely at IDFC FIRST Bank’s discretion and IDFC
Loan, then in that event, the Borrower shall, in addition to the provisions of the presents, be FIRST Bank will not be liable for any action taken by the borrower on the basis of this
bound by the rules and regulations formulated by the Bank in regard to internet banking facility. sanctioned facility

3.6. Prepayment of Loan 5.1.10. I/We undertake and declare that if there are any changes in the particulars and
information given by me/us while availing the Loan facility, I/We shall within 30 days from the
3.6.1. The Bank may, at its sole discretion and on such terms as to part pre-payment fees, etc., date of any such change in the particulars and information shall disclose the details of such
as it may prescribe from time to time, permit pre-payment or acceleration of EMIs at the request changes to the Bank without withholding the same.
of the Borrower. Subject to the applicable laws and if permitted by the Bank, the Borrower shall
and pay to the Bank such part Pre-payment charges mentioned in the Annexure, as amended 5.1.11. Borrower agrees that if he/ she avails any loan from the Bank then the PDC/SI/
from time to time. Provided that the Borrower shall not have a right to foreclose the Loan upto ECS/NACH mandates issued under the said loan shall continue and remain in force till such
payment of 6 or more EMIs or 6 months, whichever is later. time all other dues under the Loan Agreement and in respect of all other loan/facility obtained/to
be obtained by the Borrower from the Bank/group companies are fully discharged and the Bank
3.6.2. If the Borrower pre-pays only a part of the Loan, the Bank shall be entitled to adjust the and/or its affiliates issue a certificate of discharge. The PDC/SI/ECS/NACH mandate issued
amount pre-paid against the amount payable by the Borrower in such manner as the Bank under any Loan Agreement and the liability of the Borrower shall not be affected impaired or
thinks fit. In such an event the Bank shall be entitled to reschedule the repayment schedule at discharged. The Borrower covenants that the PDC/SI/ECS/NACH provided by the Borrower
its sole discretion(including an option to reduce the tenor of the Loan while keeping EMIs shall remain valid for the balance due to the Bank, or any other financial benefits obtained by
payable by the Borrower the same) and the Borrower agrees to adhere to such altered the Borrower from any of the affiliates of the Bank.
re-payment schedule.
5.1.12. I hereby provide the consent to bank to pull my KYC details from CERSAI & PAN details
3.6.3. The Bank may, at its sole discretion and on such terms as to foreclosure fees, etc., as it from NSDL as and when required by the Bank for the compliance.
may prescribe from time to time, permit foreclosure of the loan at the request of the Borrower.
Subject to the applicable laws and if permitted by the Bank, the Borrower shall and pay to the 6. Events of default etc.
Bank such Foreclosure charges mentioned in the Annexure, as amended from time to time.
6.1. The Bank may by a written notice to the Borrower, declare all sums outstanding under the
3.7. Recall of the Loan by the Bank: The Borrower agrees that the Bank shall be entitled to, at Loan (including the principal, interest, charges, expenses) to become due and payable forthwith
any time, in its discretion, recall the Loan by giving to the Borrower notice in writing. It is and enforce the Security, if any, upon the occurrence (in the sole decision of the Bank) of any
specified that the repayment schedule set out in the Annexure is without prejudice to the Bank’s one or more of the following:
right to recall the entire Loan and to demand payment of the Loan. Upon the expiry of the period
of notice, if any given, the Loan shall immediately stand repayable by the Borrower to the Bank. 6.1.1. The Borrower fails to pay to the Bank any amount when due and payable under this
Agreement.
4. Loan Protection Insurance
i) The Borrower fails to pay to any person other than the Bank any amount when due and
4.1 The Borrower shall procure such Loan Protection Insurance from a Bank enlisted insurance payable or any person other than the Bank demands repayment of the loan
service provider, as may be acceptable to the Bank, in order to protect the Borrower against any
risk of payment incapacities in case of critical illness/ disability/death/job loss, as per the scope ii) Or dues or liability of the Borrower to such person ahead of its repayment terms as previously
of the Insurance Policy. The premium of such Insurance, if opted, will be included in the loan agreed between such person and the Borrower;
amount. Any cancellation of such Insurance may be permitted during the tenor of the loan, as
defined in the scope of the Insurance Policy. Such Insurance shall be assigned to the Bank in a iii) The Borrower defaults in performing any of his/her obligations under this Agreement or
form and manner satisfactory to the Bank. The Bank shall be mentioned as the FIRST loss breaches any of the terms or conditions of this Agreement;
payee under the insurance policy.Notwithstanding anything to the contrary contained in this
Agreement, borrower is aware that insurance is non-mandatory and offered only to customer iv) The Borrower opts to resign or retires from the employment prior to the age of
who voluntarily choose to opt for the same and in case if the loan is cancelled, the insurance superannuation or is discharged or removed from service before such date for any reason
policy will also get cancelled automatically and the certificate of insurance (if received/issued) whatsoever
will remain cancelled/ revoked.
v) Any of the information provided by the Borrower to avail the Personal Loan or any of his/her
5. Borrower’s Representations, Warranties, Covenants and Undertakings Representations, Warranties herein being found to be or becoming incorrect or untrue;

5.1. With a view to induce the Bank to grant the Loan, the Borrower, hereby represents/warrants vi) Any person other than the Bank commencing proceedings to declare the Borrower insolvent
to/covenants/undertakes with the Bank that the Borrower- or if the Borrower shall become bankrupt or insolvent or commit act of insolvency;

5.1.1. Has furnished true and complete details in the Application are complete and correct; vii) if the loan amount is used for investment made in shares, debentures, advances and inter
corporate loans / deposits to other companies (including subsidiary companies) and for any
5.1.2. Shall utilise the Loan only for the purpose for which the same is availed of; improper / illegal / unlawful /speculative/capital market related activities neither for purchase of
gold in any form including primary gold, gold bullion, gold jewelry, gold coins, units of Gold
5.1.3. The Borrower(s) hereby represents/warrants to/covenants/undertakes that he/she shall Exchange Traded Funds(ETF) and units of gold Mutual Funds.
utilize the loan for the purpose for which it is granted and not for any
improper/illegal/unlawful/speculative/capital market related activities neither for purchase of gold 7. Consequences of default:
in any form including primary gold, gold bullion, gold jewellery, gold coins, units of Gold
Exchange Traded Funds(ETF) and units of gold Mutual Funds. 7.1 In the event of any default mentioned in Article 6 above the Bank shall have the right: - i)To
recover the entire dues,ii)To suspend any withdrawal to be effected in the Loan Account,iii)Take
5.1.4. Shall (in case of more than one borrower) be jointly and severally liable to repay the any other action as it may deem fit for recovery of its dues and enforcement of the Securities. In
Loan, interest and all other sums due and payable under this Agreement and to observe its the Event of Default, the Bank/IDFC FIRST shall also be entitled to communicate in any manner
terms and conditions; it may deem fit, to or with any person or persons including guarantors, person giving reference
to loan, with a view to procure assistance of such person or persons in recovering the defaulted
5.1.5. Shall notify the Bank regarding the change in his/her/their status as a amounts including but not limited to visiting the property and/ or any place of work of the
resident/non-resident Indian. In case of being non- resident Indian/person of India origin, shall Borrower.
abide by and fulfil the provisions of Foreign Exchange Management Act, 1999, as amended
from time to time and all other applicable laws with respect to purchasing, retaining, using, 8. Set Off Without prejudice to what is stated herein, the Borrower hereby expressly agrees and
selling immovable property in India and repatriating proceeds outside India and the Borrower confirms that in the event of the Borrower failing to pay the amount outstanding under the Loan
shall be held accountable by the Bank in that behalf. or any other loan/ facility, whether as borrower or guarantor or otherwise, in addition to any

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

general or similar lien to which the Bank or any of its subsidiary/affiliates may be entitled by law, as may be required by law, customary practice, credit reporting, statistical analysis and credit
the Bank shall, without prejudice to any of its specific rights under any other agreements with scoring, verification or risk management or any of the aforesaid purposes and shall not hold The
the Borrower, at its sole discretion and without notice to the Borrower, be at liberty to apply any Bank/IDFC FIRST liable for use or disclosure of this information. The Bank/IDFC FIRST values
other money or amounts standing to the credit of the Borrower in any account (including fixed relationship with Borrower and will at all times strive to ensure Borrower’s privacy.

deposit account) of the Borrower (whether singly or jointly with another or others) with the Bank v. The Borrower agrees that if the Borrower commits any breach of any provision of this
or any of its subsidiary/affiliates in or towards payment of the monies due from the Borrower. Agreement or any default or delay in the repayment of the Loan or any amount payable under
The rights of the Bank under this Agreement are in addition to other rights and remedies this Agreement whatsoever which the Borrowers is liable to pay, the Bank shall have the
(including without limitation other rights or set off) which the Bank may have under applicable unqualified right to disclose or publish the Borrower’s name and particulars (including
law or otherwise. photographs and particulars of accounts), as a defaulter in such manner as the Bank may deem
fit.
The Bank may at its absolute discretion appropriate any payments made by the Borrower under
this loan Agreement towards repayment of any other loan outstanding under any other loan 11.2. The Borrower understands that:
agreement or transaction entered into by the Borrower with the Bank and/or towards any other
Indebtedness of the Borrower and such adjustment and/or appropriation shall be final and a. The Bank may at any time in its sole discretion and without assigning any reason may also
binding on the Borrower and the Borrower shall continue to remain liable to the Bank for be entitled to communicate in any manner it may deem fit, to or with any person or persons
payment of dues under this loan Agreement in respect of which such sums of money were so including guarantors, person giving reference to loan, with a view to receiving assistance of
paid but were appropriated towards another outstanding dues under any other loan this such person or persons in recovering the defaulted amounts including but not limited to visiting
Agreement or transaction entered into by the Borrower with the Bank or towards another the property and/or any place of work of the Borrower.
Indebtedness of the Borrower. In addition, the Borrower hereby authorises the Bank to
appropriate/adjust any balance amounts of the sale proceeds in possession of the Bank post b. The Credit Information Bureau (India) Ltd. and any other agency so authorized may furnish
appropriation/adjustment of the sale proceeds consequent of proceeds has the power to upon for consideration, the processed information and data or products thereof prepared by them, to
sell/transfer or otherwise disposal of any and/or all security created in its favour of the Bank banks/financial institutions and other credit grantors or registered users, as may be specified by
under the security documents or pursuant to this Agreement upon default/ breach of terms of the Reserve Bank of India in this behalf.

this Agreement, or deposited with Bank or under its possession or control and appropriate the c. The Borrower is aware that the Bank does not accept any payment either in cash or kind
same towards satisfaction/repayment of any other loan/ amounts due to the Bank on account of along with or in connection with its products at the time of applying for loan . Charges pertaining
under any another agreement or transaction entered into by the Borrower with the Bank and/ or to Processing fees and those prescribed in the Loan Agreement/Sanction Letter/ Schedule of
the Indebtedness of the Borrower. Charges are the only charges levied by the Bank/IDFC FIRST. The Bank/IDFC FIRST and any
of its directors, employees and /or officers shall neither be liable for payment (if any) made in
The Bank shall have right to apply and/or appropriate and/or set off any credit balance of the cash or kind nor shall also be held responsible for payment (if any) made to any third party.
Borrower(s) or any monies/assets (including but not limited to property, assets, securities,
shares, stocks, and the like) belonging to the borrower(s) coming in the hands of the Bank 12. Miscellaneous
towards repayment of loan under this agreement or any other agreement upon occurrence of
the event of default. Exercise any such right shall be binding on the Borrower(s) 12.1. Communication and Service of Notice

9. Appointment of the Bank as the Borrower’s Attorney The addresses of the Parties shall be as mentioned under the Annexure. The Borrower shall
forthwith inform the Bank of change in address, if any. All notices, requests, demands, waivers
The Borrower shall appoint the Bank as its true and lawful attorney to do and execute for and in or other communications (including Customer Copy of Loan Agreement, Key Fact Statement,
the name and on behalf of the Borrower and where the Borrower is more than one individual, Welcome Letter etc., under or in connection with this Agreement shall be issued in writing
jointly and severally, all or any of the acts, deeds and things, specified therein. The powers so through mail, e-mail, instant messaging app, SMS or fax as mentioned under the Schedule. Any
vested in the Bank shall be irrevocable and subsists in favour of the Bank till all dues of the such notice or other communication will be deemed to have been duly given if: (a) delivered
Borrower to the Bank are fully satisfied. personally; (b) sent by registered mail with postage prepaid; (c) sent by next-day or overnight
mail/courier or delivery; or (d) sent by email/instant messaging app/facsimile/SMS. Borrower
10. Assignment and Transfer confirms that all risks shall be fully borne by him and he assumes full responsibility for the
same.
The Bank shall have a right to sell or transfer (by way of assignment, securitisation or
otherwise) whole or part of the Loan and outstanding amounts under the Loan or any other (i)Borrower understands and acknowledges that there are inherent risks involved in sending and
rights under this Agreement or any other document pursuant hereto to any person in a manner receiving instructions/communications/documents via electronic mode viz., emails/
or under or under such terms and conditions as the Bank may decide in its sole discretion SMS/WhatsApp messaging services etc., and hereby agree and confirm that all risks shall be
including reserving a right to the Bank to retain its power hereunder to proceed against the fully borne by him and he assumes full responsibility for the same. He will not hold the lender
Borrower(s) on behalf of the purchaser, assignee or transferee, any or all outstanding and dues liable for any losses or damages including legal fees arising owing to any miscommunication or
of the Borrower(s), to any third party of the Bank’s choice without reference to or without technological error beyond the control of the lender.
intimation to the Borrower(s). Any such action and any such state, assignment, securitisation or
transfer shall bind the Borrower(s) to accept such third party as creditor exclusively or’ as a joint (ii)Borrower shall be responsible to ensure the authenticity, validity, or source of any
creditor with the Bank, or as creditor exclusively with the right to the the Bank to continue to instructions/documents and shall be liable if any instructions/documents turned out to be
exercise all powers hereunder on behalf of such third party and to pay over such outstanding unauthorized, erroneous, or fraudulent nor will any such communication amount to spam,
and dues to such third party and or to the Bank as the Bank may direct. The third party shall unsolicited communication or a violation of borrower(s) registration on the national do not call
have the authority of the Borrower(s) to collect the due amounts. registry.

The Borrower shall not transfer or assign the rights under this Agreement without previous (iii)Borrower understands that the communication, documents through email, SMS, instant
written consent of the Bank. messaging app etc., are for his/their our convenience. IDFC FIRST Bank shall not be liable or
responsible for any breach of secrecy owing to communication/documents being sent digitally.
11. Disclosure/Sharing of Information Borrower shall verify the authenticity of the emails, instant messaging app etc., and shall not
hold the Bank responsible for any statements received from frauds / imposters. Borrower shall
i. The Borrower agrees that the Bank/IDFC FIRST may be required to disclose Borrower not hold the Bank liable if any problem arises with his/their computer/mobile network . Borrower
personal and financial information to the statutory authorities in connection with any legal understand and agree that the email statements, SMS, documents, communications will only be
process that may be initiated by such authorities in accordance with applicable laws. sent to the first holder of either registered email id/registered Cell No/registered WhatsApp
number. Borrower shall inform the Bank in writing if there is any change in his/their
ii. The Bank/IDFC FIRST discourages the Borrower from sending or posting to the Bank’s web communication address. The Bank shall not be responsible incase if the Borrower’s do not
site any information that the Borrower considers to be confidential or proprietary. Please note receive the statements due to incorrect communication address provided by Borrower or due to
that if the Borrower do send or post any such information or material, the Bank/IDFC FIRST will technical reasons. Borrower undertakes to take all necessary steps to ensure confidentiality and
assume that it is not confidential. By sending or posting any information or material, the secrecy of the login name and password of the internet / email account.
Borrower grant the Bank/IDFC FIRST an unrestricted, irrevocable license to use, reproduce,
display, perform, modify, transmit and distribute those materials or information, and the 12.2. Severability
Borrower agrees that the Bank/IDFC FIRST is free to use any ideas, concepts, know-how or
techniques that the Borrower sends or post for any purpose on this web site. Every provision contained in this Agreement shall be severable and distinct from every other
such provision and if at any time any one or more of such provisions is or becomes invalid,
iii. The Borrower agrees that the Bank/IDFC FIRST may also share Borrower information to illegal or unenforceable in any respect under any applicable law, the validity, legality and
provide Borrowers with superior services and a range of offers. The Bank/IDFC FIRST may use enforceability of the remaining provisions hereof shall not be in any way affected or impaired
this information to advise Borrowers about products, services and other marketing materials, thereby.
which the Bank/IDFC FIRST think may be of interest to Borrowers. The Bank/IDFC FIRST
further reserves the right to disclose the information to any third party if the disclosure of the 12.3. Entire Agreement& Counterpart
same is for getting any additional service, products which may be beneficial to the Borrower, as
per the sole assessment and discretion of The Bank/ IDFC FIRST. The Parties confirm that this Agreement and its Annexure and any other documentation
pursuant to it represent one single agreement between the Parties.This Agreement may be
iv. The Bank/IDFC FIRST will limit the collection and use of Borrower information only on a executed in separate counterparts, each of which, when so executed and delivered, shall be
need-to-know basis to deliver better service to the Borrowers. The Bank/IDFC FIRST may use deemed to be an original, but all such counterparts together shall constitute one and the same
and share the information provided by the Borrowers with its Affiliates and third parties for instrument only.
providing services and any service-related activities such as collecting subscription fees for
such services, and notifying or contacting the Borrowers regarding any problem with, or the 12.4. Supremacy & Amendment
expiration of, such services. In this regard, it may be necessary to disclose the Borrower
information to one or more agents and contractors of the Bank/IDFC FIRST and their This Agreement supersedes all discussions and Agreements (whether oral or written, including
sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to all correspondence) prior to the date of this Agreement between the Parties with respect to the
use the information obtained from the Bank/ IDFC FIRST only for the said purposes. The subject matter of this Agreement. This Agreement may be modified or amended only by a
Borrower authorises the Bank/IDFC FIRST to exchange, share, part with all information related writing duly executed by or on behalf of each of the Parties.
to the details and transaction history of the Borrower to its Affiliates/ banks/ financial institutions/
credit bureaus/ agencies/ participation in any telecommunication or electronic clearing network

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

12.5. FORCE MAJEURE 16.“First In First Out” (FIFO) - The relevance of ‘First in First Out’(FIFO) is in appropriation of
payments into the borrower’s account; The Principle of FIFO i.e., ‘First In First Out accounting
The Borrower shall be liable to perform or fulfil its obligations at all point of time and shall not method is relevant to arrive at the No of days of overdue for determining the SMA/NPA status.
delay/postpone performance, its obligations in whole or in part, even on the ground of any force The FIFO principle assumes that, the oldest outstanding dues in the loan account needs to be
majeure event such as acts of God, floods, cyclones, earthquakes, fires, wars, riots, strikes, cleared first. The FIFO method thus requires that what is due first must be paid by the borrower
orders of governmental or other statutory authorities. first. For example:- If in any loan account as on 01.02.2021 there are no overdues and an
amount of Rs. X is due for payment towards principal instalment/interest/charges any payment
12.6. Grievance Redressal, Governing Law and Dispute Resolution being credited on or after 01.02.2021 in the loan account will be used to pay off the dues
outstanding on 01.02.2021. Assuming that nothing is paid/or there is partial payment (Rs Y) of
1. In event of any grievances, the Borrower may approach the nodal officer of the Bank. The dues during the month of February, the overdue as on 01.03.2021 will be Rs. X-Y. Additionally,
contact details of the nodal officer have been provided in the Key Fact Statement (KFS). an amount of Rs Z becomes due as on 01.03.2021. Now any payment partial payment into the
account on or after 01.03.2021 will be first utilized to payoff the partial due of 01.02,2021(Rs X-
2. The Parties agree that this Agreement shall be governed by the laws of India. Rs Y). If there is more recovery that the Rs. X- Rs.Y then after recovering dues of 01.02.201,
the remaining amount will be treated as recovery towards due of 01.03.2021.
3. The Borrower hereby expressly agrees that all disputes arising out of and/or relating to this
Agreement including any transaction document which is:

a) below the pecuniary jurisdiction limit of the Debt Recovery Tribunals established under 17.Age of Oldest Dues – The age of oldest dues is reckoned in days from the date on which the
Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (51 of 1993), then such oldest payment is due and continues to remain unpaid. In the aforesaid illustration, if the Dues
dispute shall be referred to arbitration in accordance with the provisions of the Arbitration and relating to 1st February 2021 remain unpaid till 01.03.2021, the age of the oldest dues is
Conciliation Act, 1996 as may be amended, or its re-enactment, by a sole arbitrator, appointed reckoned as 29 days on 02.03.2021.
by the Bank. The arbitration proceeding shall be conducted in the English language. The award
passed by the arbitrator shall be final and binding on the Parties. The costs of such arbitration 18.Classification as Special Mention Account (SMA) and Non-Performing Asset (NPA) Lending
shall be borne by the losing Party or otherwise as determined in the arbitration award. The institutions will recognize the incipient stress in loan accounts, immediately on Default, by
arbitration proceedings shall be held either in Delhi/ Mumbai/ Chennai/ Kolkata and/or such classifying them as Special Mention Accounts (SMA) The basis of classification of SMA /NPA
other place as may be notified at the sole discretion of the Bank. Category shall be as follows:

b) above the pecuniary jurisdiction limit of the Debt Recovery Tribunals established under 19. Amortization Schedule/Repayment Schedule;-
Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (51 of 1993), then such
dispute shall be referred at the sole discretion of the Bank to: The Amortization Schedule shall be provided separately after the disbursement of loan and
shall consist details pertianing to exact due dates for repayment of loan, breakup between
The exclusive jurisdiction of the courts/tribunals of the city in which the Branch/Bank Outlet of principal and interest, in case of loan facilities with moratorium on payment of principal and or
the Bank is situated. Provided that to the extent allowed by law, the Bank shall be entitled to interest, the exact date of commencement of repayment etc., shall also be specified in the said
take proceedings relating to a dispute in any court/tribunal of any place with jurisdiction. amortization schedule.

Loans in the nature of revolving facilities

Or Loans other than revolving facilities
like cash credit/overdraft

Basis for classification

– Outstanding
To arbitration in accordance with the provisions of the Arbitration and Conciliation Act, 1996 as Basis for classification balance remains
may be amended, or its re-enactment, by a sole arbitrator, appointed by the Bank. The – Principal or interest continuously in
arbitration proceeding shall be conducted in the English language. The award passed by the SMA Sub-categories payment or any other SMA Sub-categories excess of the
arbitrator shall be final and binding on the Parties. The costs of such arbitration shall be borne amount wholly or sanctioned limit or
by the losing Party or otherwise as determined in the arbitration award. The arbitration partly overdue drawing power,
proceedings shall be held at Delhi/ Mumbai/ Chennai/ Kolkata and/or such other place as may whichever is lower, for
be notified at the sole discretion of the Bank. a period of:

SMA-0 Upto 30 days

Or/and More than 30 days More than 30 days

SMA-1 SMA-1
and upto 60 days and upto 60 days

More than 60 days More than 60 days

SMA-2 SMA-2
The Arbitration proceedings may also be held through Video conference. To attend any hearing and upto 90 days and upto 90 days
ordered by the tribunal, the following shall apply:
i. any such hearing shall be held via video conference upon the order of the tribunal;
ii. the parties agree that no objection shall be taken to the decision, order or award of the
tribunal following any such hearing on the basis that the hearing was held by video conference

13. Dues shall mean the principal/interest/any charges levied on the loan account which are
payable within the period stipulated as per the terms of sanction of the credit facility

14.Overdue shall mean the principal/interest/any charges levied on the loan account which are
payable, but have not been paid within the period stipulated as per the terms of sanction of the
credit facility. In other words, any amount due to the bank under any credit facility is ‘overdue’ if
it is not paid on the due date fixed by the bank.

15.Non-Performing Asset (NPA) - is a loan or an advance where interest and /or instalment of
principal remains overdue for a period of more that 90 days in respect of a term loan.

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Illustrative movement of an account to SMA category to NPA category based on delay Inon payment of dues and subsequent upgradation to Standard category at day end process:
Due date of Age of oldest SMA since Date
Payment Date Payment covers SMA / NPA Categorization Categorization NPA Date
payment dues in days /SMA class date

01 .01.2022 01 .01.2022 Entire dues upto 01 .01 .2022 NIL

01 .02.2022 01 .02.2022 Partly paid dues of 1 SMA-O 01 .02.2022

01 .02.2022

01 .02.2022 02 .02.2022 Partly paid dues of 01 .02.2022 2 SMA-O 01 .02.2022 NA

Dues of 01.02.2022 not fully paid

01 .03.2022 29 SMA-O 01 .02.2022
01.03.2022 is also due at EOD 01 .03.2022

Dues of 01.02.2022 fully paid,Due FOR

1 SMA-O 01.03.2022
01.03.2022 not paid at EOD 01.03.2022

No Payment of full dues of 01.02.2022 and 01.02.2022

31 SMA-1
01.03.2022 at EOD 03.03.2022 01.03.2022

Dues of 01.02.2022 fully paid,Due FOR

01.03.2022 not fully paid at EOD 1 SMA-O 01.03.2022
01.03.2022

No payment of dues of
01.02.2022,
01.04.2022 01.02.2022,01.03.2022 and amount due on 60 SMA-1
03.03.2022
01.04.2022 at EOD

01.04.2022

No payment of dues of 01.02.2022 till 01.02.2022/

61 SMA-2
01.04.2022 at EOD 02.04.2022 02.04.2022

No payment of dues of 01.02.2022 till 01.02.2022/

01.05.2022 90 SMA-2
01.05.2022 at EOD 01.05.2022 02.04.2022

No payment of dues of 01.02.2022 till

91 NPA NPA 02.05.2022
01.05.2022 at EOD 02.05.2022

Fully Paid dues of 01.02.2022 at EOD 01

01.06.2022 01.06.2022 93 NPA NA NPA 02.05.2022
.06.2022

Paid entire dues of 01 .03.2022 and

01.07.2022 01.07.2022 62 NPA NA NPA 02.05.2022
01.04.2022 at EOD 01 .07.2022

Paid entire dues of 01 .05.2022 and

01 .08.2022 01 .08.2022 32 NPA 02.05.2022
01.06.2022 at EOD 01 .08.2022

Paid entire dues of 01 .07.2022 and

01 .09.2022 01 .09.2022 1 02.05.2022
01.08.2022 at EOD 01 .09.2022

01.08.2022 at EOD 01 .09.2022

Paid entire dues of 01 .09.2022 and Standard Account with No STD from
01.10.2022 01.10.2022 0
01.10.2022 Overdues 01.10.2022

Note- Examples are illustrative and not exhaustive in nature covering common scenarios and that the IRACP norms and clarifications provided by RBI on the subject will prevail.

20. The Borrower agrees, declares and confirms that, notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other Law, or any terms and conditions to the contrary contained
herein, the Bank may, at its absolute discretion, appropriate any payments made by the Borrower under this Terms and Conditions or otherwise, towards the dues payable by the Borrower to the
Bank under this Terms and Conditions and/or other agreements entered into between the Borrower and the Bank and in any manner whatsoever.

21. In case the said loan is sourced through business correspondent, Bank shall be responsible to address the grievances of the Borrowers in relation to acts of commissions and omissions of the
said business facilitator/ correspondent.

22. The Bank shall have a right to sell or transfer (by way of assignment, securitization or otherwise) whole or part of the Loan and outstanding amounts under the Loan or any other rights under this
Agreement or any other document pursuant hereto to any person in any manner or under such terms and conditions as the Bank may decide in its sole discretion. The Borrower shall not transfer or
assign the rights under this Agreement without previous written consent of the Bank. The Borrower hereby accords its consent to the Bank for transfer of the Bank’s rights and obligations under this
Agreement and other financing documents to any Person at the Bank’s sole discretion.

23. Borrower hereby authorises the Bank to appoint recovery agents and thereby consents and agrees that the Bank shall be entitled to disclose to such recovery agents/third parties all necessary
and relevant information pertaining to the Borrower(s)and the loan and the borrowers hereby consent to such disclosure by the Bank. Notwithstanding anything contained in this Agreement, the
Borrower(s) expressly accepts and authorizes the Bank (and/ or any such recovery agents/third party as the Bank may appoint) to contact Borrower and disclose all necessary and relevant
information pertaining to the Borrower(s).

24. Mode of Execution

a) The borrower is aware that this document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable to electronic records in various statutes as
amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical signatures.

b) Electronic communications shall be deemed to have been received by borrower when we send the electronic communication to the email address / mobile number / details provided by borrower or
any other third party.

c) The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed to and accepted and delivered all the terms and conditions
contained herein electronically by ticking / clicking / checking "I/we Agree" or "I/we Agree and Accept" or any similar icon/tab/option on the online system / Website / portal / platform of the
Bank/Merchant/ its agent/ service provider/partners as well as by entering the one time password ("OTP") provided to the Borrower's mobile number registered with the Bank or linked with Unique
Identification Authority of India (UIDAI/Aadhaar Authority) or also biometric verification through UIDAI, and that there is no requirement of Borrower's physical signature on the Loan Documents or of
the Borrowers signing this Agreement in physical form. The Borrower also acknowledges that the execution of this Agreement would be complete only once the same is accepted by the Bank. The
Bank shall be deemed to have accepted and signed this Agreement electronically by way of sending an email/ letter through its officer or the Facilitator to the Borrower and attaching therewith the
copy of this Agreement. For the purpose of stamp duty, any writing on a stamp paper or franked page associating the stamp paper or such franked page with this document will be as good as making
the stamp paper/franked page an integral part of this document.

d) The parties agree that either party may use a computer-based system to issue certain Confirmations and that each such Confirmation executed by a party by means of an electronically-produced
signature, shall have the same legal effect as if, such signature had been manually written on such Confirmation and that such Confirmation shall be deemed to have been signed by such party for
the purposes of any statute or rule of law that requires such Confirmation to be signed. The parties acknowledge that, in any legal proceedings between them in any way relating to this Agreement,
each party expressly waives any right to raise any defence or waiver of liability based upon the execution of a Confirmation by a party by means of an electronically- produced signature.

25. If the PAN of the borrower is not linked with Aadhar, the borrower agrees to get it linked within 90 days of disbursal of this loan.

Note:“I/We are aware of the First EMI start date i.e., 2nd to 10th of every month, depending upon the date of disbursement”.

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Declaration:

1. I/We undertake and declare that if there are any changes in the particulars and information given by me/us while availing the Loan facility, I/We shall within 30 days from the date of any such
change in the particulars and information shall disclose the details of such changes to the Bank without withholding the same.

2. I hereby provide the consent to bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by the Bank for the compliance.

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

(BANK COPY)

KEY FACT STATEMENT

(Personal Loan Agreement)

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 400434722700 Type of Loan Personal Loan

2 Sanctioned Loan amount (in Rupees) 1 Rs. 877563

Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3 (i) 100% upfront
(ii) If it is stage wise, mention the clause of loan agreement having relevant
details

4 Loan term (Year/Months/Days) 60 Months

5 Instalment details

Type of instalments Number of EMIs EMI (Rs.)2 Commencement of repayment, post sanction3

Monthly 60 EMIs Rs. 20878 3/5/2025

6 Interest rate (%) and type (fixed)4 15.00%

7 Fee/ Charges 5

Payable to the RE Payable to a third party through RE Total

Amount (in Rs.) or Amount (in Rs.) or Amount (in Rs.) or

One-time/ Recurring Percentage (%) as One-time/Recurring Percentage (%) as Percentage (%) as
applicable applicable applicable

(i) Processing fees One-time Rs. 12750 - - Rs. 12750

(ii) Insurance charges - - One-time Rs. 10608.48 Rs. 10608.48

(a) Niva Bupa - - One-time Rs. 2083.90 -

(b) ICICI Prudential - - One-time Rs. 8524.58 -

(c) ICICI Lombard OPD - - One-time - -

(iii) Stamp Duty Amount One-time Rs. 100 - - Rs. 100

Service fee for digital

(iv) - - One-time 59 59
stamping

Any other (please

(v) - - - - -
specify)

Annual Percentage
8 15.67% 0.57% 16.24%
Rate (APR) (%) 2

Asset Annual Percentage Rate (%) (APR is Percentage of Annual Percentage Rate Total Annual
annualized percentage interest rate, processing attributable to charges payable to third party e.g., Percentage Rate (%)
fees, other charges (facilitation fees, Easy buy card, insurance etc. (Total APR is annualized
Admin charges, PDD charges, Loan Management percentage interest rate,
charges etc) for the credit facility availed. processing fees, other
Annual Percentage
9 Credit facility is the total loan (asset cost) availed charges, and third-party
Rate (APR)
including third party products (e.g., insurance etc. products. (i.e., aggregate
as opted by you voluntarily) financed by Bank. of charges payable to
Bank and payable to
third party) for the credit
facility availed.

10 Details of Contingent Charges (in Rs. or %, as applicable): For information on contingent charges, please refer to the link: "https://idfcfr.in/pl_rate"

1. Sanctioned Loan amount includes disbursed loan amount, processing fees, insurance charges, stamp duty, other charges and GST.
2. Final details pertaining to Disbursal Date, Loan Tenure, PRE-EMI amount, Insurance Fee, Processing Fee, Annual Percentage Rate
(APR), Stamp Duty (if applicable), EMI and Net Disbursal Amount shall be communicated at the time of disbursal.
• Pre-EMI amount, if applicable, is computed from disbursal date till the commencement of the 1st EMI on pro-rata basis. This will
be adjusted from 1st EMI leading to reduced appropriation towards principal.
• APR Calculation is excluding GST.
3. If loan disbursal is between 1st to 18th of the month (M0), 1st EMI starts from immediate next month (M1), but if loan disbursal is after
18th of the month(M0), then 1st EMI starts from subsequent to immediate next month (M2).
• EMI will be due between 2nd to 10th of every month.
4. Rate of Interest is on monthly reducing basis.
5. All charges displayed are excluding GST.

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery agents Clause 23 of Personal Loan Agreement (Digital)

2 Clause of Loan agreement which details grievance redressal mechanism Clause 12.6 of Personal Loan Agreement (Digital)

[email protected]
3 Phone number and email id of the nodal grievance redressal officer
1800 209 9771

Whether the loan is, or in future maybe, subject to transfer to other REs or
4 Yes
securitisation (Yes/ No)

5 In case of digital loans, following specific disclosures may be furnished:

(i) Cooling off/look-up period, in terms of RE’s board

approved policy, during which borrower shall not be
charged any penalty on prepayment of loan

(ii) Details of LSP acting as recovery agent and authorized to

approach the borrower

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Computation of Annual Percentage Rate

Sr. No. Parameter Details

1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS template – Part 1) Rs. 877563

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 60 months

No. of instalments for payment of principal, in case of nonequated periodic

a) Not Applicable
loans

Type of EMI
Monthly
Amount of each EMI (in Rupees) and
b) Rs. 20878
nos. of EMIs (e.g., no. of EMIs in case of monthly instalments)
60 EMIs
(Sl No. 5 of the KFS template – Part 1)

c) No. of instalments for payment of capitalised interest, if any Not Applicable

Commencement of repayments, post sanction (Sl No. 5 of the KFS template –

d) 3/5/2025
Part 1)

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

4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 15.00%

Total Interest Amount to be charged during the entire tenor of the loan as per
5 374996
the rate prevailing on sanction date (in Rupees)

6 Fee/ Charges payable (in Rupees) Rs. 23517.47

A Payable to the RE (Sl No.7A of the KFS template-Part 1) Rs. 12850

Payable to third-party routed through RE (Sl No.7B of the KFS template – Part
B Rs. 10667.48
1)

7 Net disbursed amount (1-6) (in Rupees) Rs. 849900

8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) Rs. 1252559

Asset Annual Percentage Rate (%) (APR is annualized percentage interest

rate, processing fees, other charges (facilitation fees, Easy buy card, Admin
charges, PDD charges, Loan Management charges etc) for the credit facility
9A 15.67%
availed.
Credit facility is the total loan (asset cost) availed including third party products
(e.g., insurance etc. as opted by you voluntarily) financed by Bank.

Percentage of Annual Percentage Rate attributable to charges payable to

9B 0.57%
third party e.g., insurance etc.(9C-9A)

Total Annual Percentage Rate (%) (Total APR is annualized percentage

interest rate, processing fees, other charges, and third-party products. (i.e.,
9C 16.24%
aggregate of charges payable to Bank and payable to third party) for the credit
facility availed.

10 Schedule of disbursement as per terms and conditions Detailed schedule to be provided

11 Due date of payment of instalment and interest 3/5/2025

Repayment Schedule under Equated Periodic Instalment

Outstanding Principal (in

Instalment No. Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)

1 877563 867654 10969 20878

2 867654 857621 10845 20878

3 857621 847463 10720 20878

4 847463 837178 10593 20878

5 837178 826764 10464 20878

6 826764 816220 10334 20878

7 816220 805544 10202 20878

8 805544 794735 10069 20878

9 794735 783791 9934 20878

10 783791 772710 9797 20878

11 772710 761490 9658 20878

12 761490 750130 9518 20878

13 750130 738628 9376 20878

14 738628 726982 9232 20878

15 726982 715191 9087 20878

16 715191 703252 8939 20878

17 703252 691164 8790 20878

Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

18 691164 678925 8639 20878

19 678925 666533 8486 20878

20 666533 653986 8331 20878

21 653986 641282 8174 20878

22 641282 628420 8016 20878

23 628420 615397 7855 20878

24 615397 602211 7692 20878

25 602211 588860 7527 20878

26 588860 575342 7360 20878

27 575342 561655 7191 20878

28 561655 547797 7020 20878

29 547797 533766 6847 20878

30 533766 519560 6672 20878

31 519560 505176 6494 20878

32 505176 490612 6314 20878

33 490612 475866 6132 20878

34 475866 460936 5948 20878

35 460936 445819 5761 20878

36 445819 430513 5572 20878

37 430513 415016 5381 20878

38 415016 399325 5187 20878

39 399325 383438 4991 20878

40 383438 367352 4792 20878

41 367352 351065 4591 20878

42 351065 334575 4388 20878

43 334575 317879 4182 20878

44 317879 300974 3973 20878

45 300974 283858 3762 20878

46 283858 266528 3548 20878

47 266528 248981 3331 20878

48 248981 231215 3112 20878

49 231215 213227 2890 20878

50 213227 195014 2665 20878

51 195014 176573 2437 20878

52 176573 157902 2207 20878

53 157902 138997 1973 20878

54 138997 119856 1737 20878

55 119856 100476 1498 20878

56 100476 80853 1255 20878

57 80853 60985 1010 20878

58 60985 40869 762 20878

59 40869 20501 510 20878

60 20501 0 256 20757

1.
________________________________________
Signature of the Borrower

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

(CUSTOMER COPY)

KEY FACT STATEMENT

(Personal Loan Agreement)

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 400434722700 Type of Loan Personal Loan

2 Sanctioned Loan amount (in Rupees) 1 Rs. 877563

Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3 (i) 100% upfront
(ii) If it is stage wise, mention the clause of loan agreement having relevant
details

4 Loan term (Year/Months/Days) 60 Months

5 Instalment details

Type of instalments Number of EMIs EMI (Rs.)2 Commencement of repayment, post sanction3

Monthly 60 EMIs Rs. 20878 3/5/2025

6 Interest rate (%) and type (fixed)4 15.00%

7 Fee/ Charges 5

Payable to the RE Payable to a third party through RE Total

Amount (in Rs.) or Amount (in Rs.) or Amount (in Rs.) or

One-time/ Recurring Percentage (%) as One-time/Recurring Percentage (%) as Percentage (%) as
applicable applicable applicable

(i) Processing fees One-time Rs. 12750 - - Rs. 12750

(ii) Insurance charges - - One-time Rs. 10608.48 Rs. 10608.48

(a) Niva Bupa - - One-time Rs. 2083.90 -

(b) ICICI Prudential - - One-time Rs. 8524.58 -

(c) ICICI Lombard OPD - - One-time - -

(iii) Stamp Duty Amount One-time Rs. 100 - - Rs. 100

Service fee for digital

(iv) - - One-time 59 59
stamping

Any other (please

(v) - - - - -
specify)

Annual Percentage
8 15.67% 0.57% 16.24%
Rate (APR) (%)2

Asset Annual Percentage Rate (%) (APR is Percentage of Annual Percentage Rate Total Annual
annualized percentage interest rate, processing attributable to charges payable to third party e.g., Percentage Rate (%)
fees, other charges (facilitation fees, Easy buy card, insurance etc. (Total APR is annualized
Admin charges, PDD charges, Loan Management percentage interest rate,
charges etc) for the credit facility availed. processing fees, other
Annual Percentage
9 Credit facility is the total loan (asset cost) availed charges, and third-party
Rate (APR)
including third party products (e.g., insurance etc. products. (i.e., aggregate
as opted by you voluntarily) financed by Bank. of charges payable to
Bank and payable to
third party) for the credit
facility availed.

10 Details of Contingent Charges (in Rs. or %, as applicable): For information on contingent charges, please refer to the link: "https://idfcfr.in/pl_rate"

1. Sanctioned Loan amount includes disbursed loan amount, processing fees, insurance charges, stamp duty, other charges and GST.
2. Final details pertaining to Disbursal Date, Loan Tenure, PRE-EMI amount, Insurance Fee, Processing Fee, Annual Percentage Rate
(APR), Stamp Duty (if applicable), EMI and Net Disbursal Amount shall be communicated at the time of disbursal.
• Pre-EMI amount, if applicable, is computed from disbursal date till the commencement of the 1st EMI on pro-rata basis. This will
be adjusted from 1st EMI leading to reduced appropriation towards principal.
• APR Calculation is excluding GST.
3. If loan disbursal is between 1st to 18th of the month (M0), 1st EMI starts from immediate next month (M1), but if loan disbursal is after
18th of the month(M0), then 1st EMI starts from subsequent to immediate next month (M2).
• EMI will be due between 2nd to 10th of every month.
4. Rate of Interest is on monthly reducing basis.
5. All charges displayed are excluding GST.

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery agents Clause 23 of Personal Loan Agreement (Digital)

2 Clause of Loan agreement which details grievance redressal mechanism Clause 12.6 of Personal Loan Agreement (Digital)

[email protected]
3 Phone number and email id of the nodal grievance redressal officer
1800 209 9771

Whether the loan is, or in future maybe, subject to transfer to other REs or
4 Yes
securitisation (Yes/ No)

5 In case of digital loans, following specific disclosures may be furnished:

(i) Cooling off/look-up period, in terms of RE’s board

approved policy, during which borrower shall not be
charged any penalty on prepayment of loan

(ii) Details of LSP acting as recovery agent and authorized to

approach the borrower

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Computation of Annual Percentage Rate

Sr. No. Parameter Details

1 Sanctioned Loan amount (in Rupees) (Sl no. 2 of the KFS template – Part 1) Rs. 877563

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 60 months

No. of instalments for payment of principal, in case of nonequated periodic

a) Not Applicable
loans

Type of EMI
Monthly
Amount of each EMI (in Rupees) and
b) Rs. 20878
nos. of EMIs (e.g., no. of EMIs in case of monthly instalments)
60 EMIs
(Sl No. 5 of the KFS template – Part 1)

c) No. of instalments for payment of capitalised interest, if any Not Applicable

Commencement of repayments, post sanction (Sl No. 5 of the KFS template –

d) 3/5/2025
Part 1)

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

4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 15.00%

Total Interest Amount to be charged during the entire tenor of the loan as per
5 374996
the rate prevailing on sanction date (in Rupees)

6 Fee/ Charges payable (in Rupees) Rs. 23517.47

A Payable to the RE (Sl No.7A of the KFS template-Part 1) Rs. 12850

Payable to third-party routed through RE (Sl No.7B of the KFS template – Part
B Rs. 10667.48
1)

7 Net disbursed amount (1-6) (in Rupees) Rs. 849900

8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) Rs. 1252559

Asset Annual Percentage Rate (%) (APR is annualized percentage interest

rate, processing fees, other charges (facilitation fees, Easy buy card, Admin
charges, PDD charges, Loan Management charges etc) for the credit facility
9A 15.67%
availed.
Credit facility is the total loan (asset cost) availed including third party products
(e.g., insurance etc. as opted by you voluntarily) financed by Bank.

Percentage of Annual Percentage Rate attributable to charges payable to

9B 0.57%
third party e.g., insurance etc.(9C-9A)

Total Annual Percentage Rate (%) (Total APR is annualized percentage

interest rate, processing fees, other charges, and third-party products. (i.e.,
9C 16.24%
aggregate of charges payable to Bank and payable to third party) for the credit
facility availed.

10 Schedule of disbursement as per terms and conditions Detailed schedule to be provided

11 Due date of payment of instalment and interest 3/5/2025

Repayment Schedule under Equated Periodic Instalment

Outstanding Principal (in

Instalment No. Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)

1 877563 867654 10969 20878

2 867654 857621 10845 20878

3 857621 847463 10720 20878

4 847463 837178 10593 20878

5 837178 826764 10464 20878

6 826764 816220 10334 20878

7 816220 805544 10202 20878

8 805544 794735 10069 20878

9 794735 783791 9934 20878

10 783791 772710 9797 20878

11 772710 761490 9658 20878

12 761490 750130 9518 20878

13 750130 738628 9376 20878

14 738628 726982 9232 20878

15 726982 715191 9087 20878

16 715191 703252 8939 20878

17 703252 691164 8790 20878

Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

18 691164 678925 8639 20878

19 678925 666533 8486 20878

20 666533 653986 8331 20878

21 653986 641282 8174 20878

22 641282 628420 8016 20878

23 628420 615397 7855 20878

24 615397 602211 7692 20878

25 602211 588860 7527 20878

26 588860 575342 7360 20878

27 575342 561655 7191 20878

28 561655 547797 7020 20878

29 547797 533766 6847 20878

30 533766 519560 6672 20878

31 519560 505176 6494 20878

32 505176 490612 6314 20878

33 490612 475866 6132 20878

34 475866 460936 5948 20878

35 460936 445819 5761 20878

36 445819 430513 5572 20878

37 430513 415016 5381 20878

38 415016 399325 5187 20878

39 399325 383438 4991 20878

40 383438 367352 4792 20878

41 367352 351065 4591 20878

42 351065 334575 4388 20878

43 334575 317879 4182 20878

44 317879 300974 3973 20878

45 300974 283858 3762 20878

46 283858 266528 3548 20878

47 266528 248981 3331 20878

48 248981 231215 3112 20878

49 231215 213227 2890 20878

50 213227 195014 2665 20878

51 195014 176573 2437 20878

52 176573 157902 2207 20878

53 157902 138997 1973 20878

54 138997 119856 1737 20878

55 119856 100476 1498 20878

56 100476 80853 1255 20878

57 80853 60985 1010 20878

58 60985 40869 762 20878

59 40869 20501 510 20878

60 20501 0 256 20757

1.
________________________________________
Signature of the Borrower

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Mandate Instruction Form for NACH

UMRN Date

Utility Code N A C H 0 0 0 0 0 0 0 0 0 2 3 2 3 9 Create Modify Cancel

Sponsor Bank Code IDFB0000001 I/We hereby authorise IDFC FIRST Bank Limited

SB/ CA/ CC/ SB-NRE/ Other Bank a/c number 5 0 1 0 0 2 7 0 1 6 9 9 7 7

To Debit

With Bank HDFC BANK IFSC/ MICR H D F C 0 0 0 1 1 3 6

an amount of Rupees EIGHT LAKH SEVENTY SEVEN THOUSAND FIVE HUNDRED SIXTY THREE ONLY 877563

DEBIT TYPE Fixed Amount Maximum Amount FREQUENCY Monthly Quaterly HalfYearly Yearly As & when
presented
Reference 1 Reference 2 400434722700
1) I agree for the debit of mandate processing charges by the Bank whom I am authorizing to debit my account as per latest schedule of charges of the Bank. 2)This is to confirm that
the declaration has been carefully read, understood & made by me/us. I am authorizing the User entity/Corporate to debit my account based on the instruction as
agreed and signed by me. 3)I have understood that I am authorized to cancel/amend this mandate by appropriately communicating the cancellation/amendment
request to the User entity/Corporate or the bank where I have authorized the debit

From 0 3 0 4 2 0 2 5

To 0 3 1 2 2 0 3 5

Or Until Cancelled Signature of Primary Account Holder Signature of Account Holder Signature of Account Holder
_________________________ _________________________ _________________________
Phone No
2.Name as in bank records 3.Name as in bank records
JAYDEEP KUMAR
_________________________ _________________________

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Mandate Instruction Form for NACH

UMRN Date

Utility Code N A C H 0 0 0 0 0 0 0 0 0 2 3 2 3 9 Create Modify Cancel

Sponsor Bank Code IDFB0000001 I/We hereby authorise IDFC FIRST Bank Limited

SB/ CA/ CC/ SB-NRE/ Other Bank a/c number 5 0 1 0 0 2 7 0 1 6 9 9 7 7

To Debit

With Bank HDFC BANK IFSC/ MICR H D F C 0 0 0 1 1 3 6

an amount of Rupees EIGHT LAKH SEVENTY SEVEN THOUSAND FIVE HUNDRED SIXTY THREE ONLY 877563

DEBIT TYPE Fixed Amount Maximum Amount FREQUENCY Monthly Quaterly HalfYearly Yearly As & when
presented
Reference 1 Reference 2 400434722700
1) I agree for the debit of mandate processing charges by the Bank whom I am authorizing to debit my account as per latest schedule of charges of the Bank. 2)This is to confirm that
the declaration has been carefully read, understood & made by me/us. I am authorizing the User entity/Corporate to debit my account based on the instruction as
agreed and signed by me. 3)I have understood that I am authorized to cancel/amend this mandate by appropriately communicating the cancellation/amendment
request to the User entity/Corporate or the bank where I have authorized the debit

From 0 3 0 4 2 0 2 5

To 0 3 1 2 2 0 3 5

Or Until Cancelled Signature of Primary Account Holder Signature of Account Holder Signature of Account Holder
_________________________ _________________________ _________________________
Phone No
2.Name as in bank records 3.Name as in bank records
JAYDEEP KUMAR
_________________________ _________________________

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 Stamp Ref No: IN-UP63518566101481W

Mandate Instruction Form for NACH

UMRN Date

Utility Code N A C H 0 0 0 0 0 0 0 0 0 2 3 2 3 9 Create Modify Cancel

Sponsor Bank Code IDFB0000001 I/We hereby authorise IDFC FIRST Bank Limited

SB/ CA/ CC/ SB-NRE/ Other Bank a/c number 5 0 1 0 0 2 7 0 1 6 9 9 7 7

To Debit

With Bank HDFC BANK IFSC/ MICR H D F C 0 0 0 1 1 3 6

an amount of Rupees EIGHT LAKH SEVENTY SEVEN THOUSAND FIVE HUNDRED SIXTY THREE ONLY 877563

DEBIT TYPE Fixed Amount Maximum Amount FREQUENCY Monthly Quaterly HalfYearly Yearly As & when
presented
Reference 1 Reference 2 400434722700
1) I agree for the debit of mandate processing charges by the Bank whom I am authorizing to debit my account as per latest schedule of charges of the Bank. 2)This is to confirm that
the declaration has been carefully read, understood & made by me/us. I am authorizing the User entity/Corporate to debit my account based on the instruction as
agreed and signed by me. 3)I have understood that I am authorized to cancel/amend this mandate by appropriately communicating the cancellation/amendment
request to the User entity/Corporate or the bank where I have authorized the debit

From 0 3 0 4 2 0 2 5

To 0 3 1 2 2 0 3 5

Or Until Cancelled Signature of Primary Account Holder Signature of Account Holder Signature of Account Holder
_________________________ _________________________ _________________________
Phone No
2.Name as in bank records 3.Name as in bank records
JAYDEEP KUMAR
_________________________ _________________________

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
Page 1 of 2
Member Consent Form for ICICI Pru Super Protect Credit
(A Non-Linked Non-Participating Group Insurance Product)
Cover Type : Level Coverage : Single life Benefit: Death Benefit Only Loan Type : Personal Loan
Member ID / Loan Account Number : 400434722700
Annual Income Member: INR 707412.00

Member
Applicant status Primary Borrower Co-Borrower5 Co-Applicant6

Share in loan >50% <50% =50%

5Co-borrower is defined as a person who applies for and shares the liability of the loan. 6Co-applicant is defined as a person who does not have primary liability of the loan.

Contact Number of Member3: 9648019382 Email ID of member3: [email protected]

3 The certificate of insurance for policy will be shared on the same via email/SMS. By submitting my details,I override my NDNC registration and authorize ICICI Prudential Life Insurance Company Ltd
and its representatives to contact me through call/WhatsApp/email. I further consent to share my information on confidential basis with third parties for evaluating and processing this proposal. I further
consent to share my information with third parties for any servicing and investigation for claims processing even after the policy is issued
Loan Disbursement date(LDD)*: 22-03-2025 (*This date will be collected from the MPH^ based on actual date of disbursement and premium will be calculated from LDD)
Relationship Occupation Share % of
Details Salutation Full Name Age/ DOB Gender Nationality State/PinCode 2
with Member nominee
Member 1 MR. Jaydeep Kumar 08/08/1997 Male Indian 226008 NA Salaried
Nominee 1 MS. Sri Kanti 02/12/1967 Female Indian MOTHER 100%
Nominee 2 Indian
Appointee1 dd/mm/yyyy M/F Indian
1IfNominee is less than 18 years, Appointee is mandatory. Appointee should be more than 18 years of age.
2 Please mention: S=Salaried, P=Professional, SE=Self Employed, ST= Student, H= Housewife, R=Retired, B=Business, A=Agriculture

Particulars of benefits applied for :

Benefit Particulars Amount (sum assured)* Premium Amount (in INR)4 Term of Cover (in yrs)
For Member Sum Assured (Death Benefit) 850000 10059 4
Total Premium Amount(in INR incl GST)4
4Premium Amount is in INR Inclusive of GST as applicable. *Maximum cover for non-financial eligible co-applicants (parent child/ spouse) will be restricted to INR 75 lacs

Outstanding loan amount: 877563.00 Loan term: 60

Residential status: Indian NRI/PIO/OCI (If NRI/PIO/OCI Specify country ______________ and city of residence _______________ )
Personal Details of the Member
Please respond to the questions from Question 1 to Question 6 by placing a tick mark in the answer box that corresponds to your response and
fill in the blank wherever applicable :
Member Height in Cms:165.1 Weight in Kgs:64.00
Sr. Questions Member 1
No (PLEASE tick mark in the answer box INDIVIDUALLY FOR EACH QUESTION) Yes No
Have you ever suffered from / been diagnosed with / been treated for any of the following?(Please tick the relevant)
a) Heart disease, stroke, cancer/tumor, kidney disease, lung disease /asthma/tuberculosis, liver disease /hepatitis
b) Diabetes, high blood pressure, high cholesterol
c) HIV/AIDS infection / Sexually transmitted infections
d) Congenital defect/ Genetic Disorders/physical deformity / Autoimmune, Genitourinary / Any disease or disorder of hearing, speech or
1 vision excluding refractive errors
e) Paralysis, Epilepsy, any mental / psychiatric disorder, any disorder of brain or nervous system
f) Arthritis, disorder of muscles/ bones /joints, blood disorder, thyroid disorder, chronic digestive disorder, endocrine disorder
g) Any other disorder not mentioned above If yes, please provide details for
Member_________________

During the last 5 years, have you been advised to undergo any investigations or undergone any major surgery or been hospitalized or received any
2
treatment for any medical condition (except for minor cough, cold or flu) for a continuous period of more than 7 days?
Do you : - (a) consume more than 10 cigarettes, bidi’s per day? (b) chew more than 5 pouches tobacco per day ? (c) consume more than 2
3 pegs of alcohol per day or consumption of narcotics or habit forming drugs without medical advice in any form?(Please tick YES if any one
or more is relevant)
Has any of your insurance application or reinstatement application ever been declined, postponed or accepted at extra premium or modified
4
terms?
(a) Is your occupation associated with any specific hazard? (Please tick YES if any one or more is relevant)
Occupation:, Mines, Explosives, Radiation, Corrosive Chemicals etc
5 (b) Do you take part in activities or have hobbies that could be dangerous in any way?(Please tick YES if any one or more is relevant)
Hobbies: Aviation other than as a fare paying passenger, professional diving, mountaineering, deep sea diving, motor racing, bungee
jumping etc.
FEMALE INSURED ONLY:
6 Are you currently pregnant?
Have you suffered from any gynecological problems or illness related to breasts, uterus or ovary?
I am aware that IDFC First Bank Limited is the holder of the life insurance Master Policy issued by ICICI Prudential Life Insurance Company Ltd Group Insurance product and I am
a member of this group. I hereby authorize ICICI Prudential Life Insurance Company Ltd that in case of difference between the premium received from the applicant and the actual
premium required for sought benefits, the sum assured amount /tenure may get adjusted and the policy shall be issued accordingly.
I hereby authorize the Group organizer IDFC First Bank Limited to submit servicing requests on my behalf.
Do you wish to continue your cover till the coverage term even after you foreclose your loan or transfer your loan to another financial institution or you
voluntarily surrender the group membership? Yes No
X________________________
Date & Place : 22-03-2025 / LUCKNOW
Signature of Member

^Master policyholder is referred to as MPH

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Page 2 of
Signed 2 SignDesk
using
Notice of Assignment
Notice is hereby given that I, Jaydeep Kumar (Assignor) the member of the master
Insurance policy, assign my rights and benefits of the said life insurance cover subsequent to its issuance, to the extent of outstanding loan amount payable, to IDFC First Bank
Limited(Assignee), whose registered office is at “IDFC FIRST Bank Ltd., KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India”

Vernacular Declaration
(If signed in Vernacular language/If you have affixed a Thumb impression above/ the member consent form is filled by person other than the member(s)) Applicable where the
Member is illiterate or is suffering from disability due to which writing is restricted or where the Member has signed in vernacular language. (Note: The below must be witnessed by
someone other than the advisor /employee of the Company)
I, (full name of the Declarant) ______________________________ hereby declare that I have explained the contents of the member consent form to the Member in ____________
language and that I have read out the answers to the questions explained by me to the Member and that the Member has/ have put his/ her thumb impression after fully understanding
the contents thereof.
Date & Place : 22-03-2025 / LUCKNOW Signature of the Declarant:___________________
I/We certify that the contents of the member consent form have been clearly explained to me/us and I/we have fully understood them. I/ We further certify that the replies in the
member consent form have been recorded as per the information provided by me/us.
Date & Place : 22-03-2025 / LUCKNOW Signature/ thumb impression of Member signing in vernacular language:_________________________

Payout Mode (Choose any one mode only)

Mode selected would be used by the company to make payout(s). Payout would be in accordance and subject to the terms and conditions of the policy. Cheque would be used if none
of the below Electronic Payout Option is available.
1. Mode of deposit ECS Direct Credit (Select Banks only) NEFT 2. Account Type Current Savings
3. Bank Name RAJAJIPURAM - LUCKNOW 4. Bank Branch RAJAJIPURAM - LUCKNOW
5. Account Number 50100270169977 6. MICR Code 226240011
7. IFSC Code HDFC0001136
Note: 1. Please provide a cancelled copy of your cheque if any of the above payout option is selected. 2. In case of non credit to my bank account with/ without assigning any reasons
there of or if the transaction is delayed or not effected at all for reasons of incomplete/ incorrect information, I would not hold ICICI Prudential Life Insurance Co. Ltd. responsible. 3.
Further, the Company reserves the right to use any alternative payout option in spite of opting for Direct Credit option.

X___________________________
Signature of Member

Digitally Signed by Jaydeep Kumar

22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk
 MEMBER ENROLMENT FORM - Xpress Health
The group constitutes of members of IDFC FIRST Bank who agree to enroll under this Xpress Health policy and to make payment of
premium in this regard to Niva Bupa Health Insurance Company Limited.

1- PRIMARY INSURED DETAILS

Name J A Y D E E P K U M A R

Gender Male Female Others Date of Birth 0 8 0 8 1 9 9 7

Address S O R A J P O O T S H A N T I N A G A R P O S T S A R O J N I N A

G A R A M A U S I L U C K N O W U T T A R P R A D E S H 2 2 6 0 0

City L U C K N O W District L U C K N O W

State U T T A R P R A D E S H Pin-code 2 2 6 0 0 8

Email ID J A Y D E E P K U M A R 2 5 6 @ G M A I L . C O M

Mobile 9 6 4 8 0 1 9 3 8 2 Occupation S A L A R I E D

Benefit Table
Policy Tenure (Loan Linked) 1 Year 2 Years 3 Years 4 Years 5 Years
Plan Type 1 Adult
Maximum times payout per policy year 4 payouts per year
Pre-Existing Diseases (PED) waiting period Waiver off
Specific Disease waiting period Waiver off
Initial Waiting Period 30 days

Serious Illness Pay-out Grid

Hospitalization days - Minimum Hospitalization days - Maximum Pay-out
2 5 30,000
6 8 60,000
9 11 90,000
12 14 1,20,000
15 15+ 1,50,000

Premium (INR Including Tax): 2459

2- NOMINATION

In case of death of the insured, the claim if any will go to the Legal Heir.

3- 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 enrolment 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.

4- COVERAGE

The coverage under this policy is loan linked up to 5 years.

5- AUTHORIZATION FOR ELECTRONIC POLICY FULFILLMENT AND SERVICE COMMUNICATIONS

Digitally Signed by Jaydeep Kumar
22 Mar 2025 at 17:57:37 IST
Signed using SignDesk

Product Name: Xpress Health, Product UIN: NBHHLGP22208V022122. 1

 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 email ID as mentioned here in the application form? Yes No

6- 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.

7- 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.

8- 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 enrolment 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: 22-03-2025 Signature of Customer

Place LUCKNOW Name of Customer Jaydeep Kumar

9- MEMBER DECLARATION

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

Signature of Member

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 and UIN: Xpress Health, UIN: NBHHLGP22208V022122. Fax: + 91 11 41743397. Customer Helpline No.:
Digitally Signed by
1860-500-8888. ForJaydeep Kumar please visit www.nivabupa.com. For more details on terms and conditions, exclusions, risk factors, waiting period & benefits, please read sales brochure carefully before
further information
22concluding
Mar 2025a at 17:57:37 IST
sale.
Signed using SignDesk

Product Name: Xpress Health, Product UIN: NBHHLGP22208V022122. 2