TWO-WHEELER LOAN APPLICATION FORM

(Please write in BLOCK LETTERS. Complete the application & help us serve you better.)
I hereby apply to IDFC FIRST Bank Limited("the Bank") to grant me Two-Wheeler Loan as mentioned in this Application Form.
I furnish my particulars as mentioned below. 22 06 2025
D D M M YYYY
E-Mail ID: [email protected] Application No. 90017071106 Lead Source Name: DEA Location: DELHI

DST/SO Name and Code: MOHAMMAD SAJID 261396 RO/RM Name and Code: SHIPRA SRIVASTAVA 214922 DSA / Salespoint Name: REF CITIZEN MOTORS

Applicant Co-Applicant Guarantor Title: MR.

Applicant Name: Vikash Om

Gender: Male Female Third Gender Date Of Birth: 07 06 2000 Mobile Phone: 7065680229

Mother's Name: Munne Devi Educational Qualification: Graduate Marital Status: Single Married Other

Father's Name: Om Parkash Spouse Name: Citizenship: Indian

Voter Id No. /DL / Passport No. / Pan Card No / Aadhar Card No : XXXXXXXX5091 / CSCPG0489D Passport Expiry Date:

Customer Category: SALARIED Employer Name : Bilket pvt ltd Annual Gross Salary: 35000

Residential Status: Resident Individual Non Resident Indian Foreign National PIO Property Status: Own Company Provided Relative Rented

Type Of Organisation: Private Limited Company Nature Of Business: SERVICES Present Job/Business: 7M 3Y Years At Previous Job /Business: 0

Non-Profit Organisation: NA

Director Of Other Bank Yes Relative To Bank Director Yes Relative To Other Bank Director Senior Officer Of Bank Yes Relative Of Senior Officer Of Bank
Director Of Bank Yes No
No No Yes No No Yes No

Country Of Residence as per tax

Politically Exposed Yes No Country Of Birth:India Place Of Birth:Delhi Foreign TIN: TIN Issuing Country:india
laws :India

BANK DETAILS

Bank Name: KOTAK MAHINDRA BANK LTD Bank Branch: OKHLA PHASE Account Type: SAVINGS

Account No.: 0914418670 Account Opening Date:

LOAN & ASSET DETAILS

Brand: TVS MOTORS LTD Supplier Name: REF CITIZEN MOTORS Model: TW -SEG A

Sub Model: TVS JUPITER BS6 Model No: 109.7 CC Registration State: DELHI Registration City: SOUTH DELHI

Scheme: USEDBIKECOMMUTER Promotion Group: MANUFACTURER

On Road Price: 97000 Loan Amount: 61434 Margin Money: 38000 Tenure: 18 Advance Interest: 0

Asset registration Number: DL12ST0194 Manufacturing Date 01 07 2024 Registration Date 14 08 2024 Total KMs travelled: 12000 Ownership: 1

EMI: 4117.00 No Of Advance EMI: 0 PF With Tax: 885 Stamp Charges: 100.00 Valuation Amount: 95362.00

R.O.I: 24.63 Other Charges: 500.00 PDD Charge: 400.00 Pre EMI: 0.00

Admin Fee -800.00 Honda Accesories: 0 Insurance Charge =516 Funded Not Funded Sum Assured: 75000.00

Credit Vidya Charge =0 Funded Not Funded FG Charge =618 Funded Not Funded Sum Assured: 500000.00

Total Down Payment: 39385.00 DISB Amount: 57615.00 EBC Charge =0 Funded Not Funded

RSA Charges =0 Funded Not Funded GPS charges =0 Funded Not Funded

Address Line I: F 235 Okhla Industrial Estate

Address Line II: Mata mohalla Tekhand Okhla Phase 1 Address Line III: South Delhi
PRESENT
City: SOUTH DELHI District: State: DELHI Country: India
ADDRESS Nearest Landmark: Pincode: 110020 Yrs. In Current Address: 10

Phone No. Std Code: Yrs. in Current City(Years/Months): 10 / 6

Mobile Number(1): Mobile Number(2): Lease/Rent Amount: No. Of Years In Lease:

Property Status: Own Parental Company Provided Relative Rented

Address Line I: F 235 Okhla Industrial Estate

Permanent Address Line II: Mata mohalla Tekhand Okhla Phase 1 Address Line III: South Delhi

City: SOUTH DELHI District: State: DELHI Country: India

Address
Nearest Landmark: Pincode: 110020 Yrs. In Current Address: 10

Address Line I: Blinkit private limted

Address Line II: Near metro station Address Line III: Okhla phase 4
Off/Buss. Address
City: SOUTH DELHI District: State: DELHI Country: India

Nearest Landmark: Pincode: 110025

OFF/BUS. PH (STD Code): EXTN NO.: Mobile Number:

Property Status: Own Parental Company Provided Relative Rented

Ref. 1 Name: Munney Devi Relation: Pincode: Mob No: 9911635203

Address:

Ref. 2 Name: Sanker X Relation: Pincode: Mob No: 8700165196

Address:

Applicant/Coapplicant Signature

Note: IDFC FIRST Bank Limited shall be entitled at its sole and absolute discretion to approve/ reject this Application Form submitted by Applicant/ Co-applicant. #
# The Two Wheeler Loan is available without other offerings. In relation to availing insurance from HDFC Standard Life Insurance, the Applicant shall deal with HDFC Standard Life Insurance directly
and IDFC FIRST Bank Limited does not assume any responsibility.

ACKNOWLEDGEMENT

The Bank would require a processing time of approximately 15 working days from the date of the completed application. This is subject to submission of all the documents as required by the bank. For any queries or suggestion,
please write to us at [email protected] or visit our nearest branch.

Applicant’s Name: Vikash Om Date: 22-06-2025

Note: This is a preprinted acknowledgement and does not require signature. Application Reference No. 90017071106
 GOODS AND SERVICES TAX DETAILS

GST DETAILS: F 235 Okhla Industrial Estate Mata mohalla Tekhand Okhla Phase 1
South Delhi

GST Regd No.: Yes No

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

LOAN PROTECT INSURANCE DETAILS

Nominee Name: Munny Devi Nominee DOB: 08 04 1962 Relation with Applicant: MOTHER

If Nominee is Below 18 Years, Appointee Name: Appointee DOB: Relation with Applicant:

IMPORTANT INFORMATION

Loan Amount :As sanctioned & determined by credit appraisal process of IDFC FIRST Bank Limited.

:Rate of Interest is determined by credit appraisal process of IDFC FIRST Bank Limited. The risk gradation is based on inter alia the quantum and tenure of loan, the security offered by the customer, cost of
Rate of Interest
funds and the credit profile.

Charges :Applicable charges as per the schedule of charges valid at the time of loan approval. These are available at Sales Points

CHARGES

TWO WHEELER CHARGES CHARGE AMOUNT TWO WHEELER CHARGES CHARGE AMOUNT

10% of Outstanding EMI between the range of

EMI Bounce charges per presentation Processing fees Up to 5% of the total amount (Inclusive of GST)
minimum Rs 400 & Maximum Rs 1000 Excluding GST

Part Payment charges Part Payment is not allowed

Late payment/Penal charges/ Default interest/Overdue 2% per month (Inclusive of GST) of the unpaid EMI or
(per month) Rs 300 (Inclusive of GST) whichever is higher
Duplicate No Objection Certificate Issuance Charges Up to 500 Exclusive of GST

Security Post Dated Cheque Waiver 0 Loan re scheduling charges (per re scheduling) NA

List of Documents NA Physical Repayment Schedule 500 Exclusive of GST

Document retrieval charges (per retrieval) 0 Physical Statement of Account 0

"1000 (Inclusive of GST) towards Cancellation. Rate of interest (Reducing) 24.63

Cancellation to be received within 30 days or 1st EMI
Cancellation & Rebooking charges Easy Buy Card Annual Fee (If Easy Buy Card
presentation date whichever is earlier. Post which it will
99 Inclusive of GST
be treated as foreclosure" Applicable)

Stamping Charges As per actuals Switching Charges Rs 1000 Including GST

Other Charges (if applicable) Upto 2000 Inclusive of GST EMI Pickup/ Collection Charges 500 Excluding GST

Legal/Collections/ Repossession & Incidental Charges As per actuals Admin Fee (If Applicable) Upto 1200 Inclusive of GST

Valuation Charges (If Applicable) As per actuals Foreclosure / Prepayment charges 5% of principle outstanding amount Exclusive of GST

EBC & Push Card fee(if applicable) 530 Inclusive of GST PDD Charges Upto 2000 Inclusive of GST

IDFC FIRST Bank Limited ("the Bank") does not accept any payment either in cash or kind along with or in connection with its products at the time of applying for loan. Charges pertaining to Processing
fees and those prescribed in the aforementioned Schedule of Charges are the only charges levied by the Bank. The Bank and any of its directors, employees and/or officers shall neither be liable for
payment (if any) made in cash or kind nor shall also be held responsible for payment (if any) made to any third party.
DISCLAIMER

1. IDFC FIRST Bank Limited is collecting the Insurance premium on behalf of the insurer and liability to pay any claim is solely of the insurer.

2. The policy cover will commence from date of acceptance of your insurance proposal by the insurer.

3. If your insurance proposal is not accepted by the insurer, IDFC FIRST Bank Limited shall refund the premium or adjust it against your outstanding EMI/Loan Amount.

AUTHORISATION

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 and processing instructions for the said purpose and hereby give consent to IDFC 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 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 has also informed me that this consent and my
Aadhar will be stored with IDFC.

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.

Except to the extent disclosed to IDFC FIRST Bank in writing, no director or a relative/near relation (as specified by RBI) of a director of a banking company (including IDFC FIRST Bank) or a relative/near relation (as specified by
RBI) of a senior officer of IDFC FIRST Bank (as specified by RBI) is the applicant(s), or a partner 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.

I hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

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.

I authorise IDFC FIRST Bank Ltd. (“The Bank”) and/or its agents, in relation to my application to conduct credit checks, references, enquiries in its sole discretion and share and/or obtain information, records from any third parties,
as it may consider necessary and shall not hold the Bank (or any of its group companies or its/their agents/representatives) liable for use/sharing of this information.

I/We hereby authorize IDFC FIRST Bank Limited (“The Bank”) and its associates and agents to contact me/ us, for providing information about new products, offers, promotions etc and also for receiving feedback or surveys etc by
whatsapp, and expressly agree to exempt such actions by you or them for the purpose of Do Not Disturb guidelines issued by Telecom Regulatory and Development Authority (TRAI) or any other authority.

I/We hereby authorise IDFC FIRST Bank Limited (“The Bank”) and its associates and agents to contact me/ us, for providing information about new products, offers, promotions etc and also for receiving feedback or surveys etc by
way of email, sms, phone calls or by any other means of communication and expressly agree to exempt such actions by you or them for the purpose of Do Not Disturb guidelines issued by Telecom Regulatory & Development
Authority (TRAI) or any other authority.

I authorise the Bank to use the information provided in my application as it may deem fit and proper. The Bank is authorised to retain the documents submitted with the application without any liability to return the same to me.

I / We agree and understand the IDFC FIRST bank ltd reserves the right to reject any application in case I/we do not fit in the policy norms set by IDFC FIRST bank ltd.

I would like to avail the benefits of various IDFC FIRST Bank Limited 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.

1. Insurance 2. Credit Vidya 3. FG 4.RSA

Applicant's/Co-applicant's/Guarantor's Signature: __________________________ Date: _____________ Place: DELHI

DOCUMENTS REQUIRED

• Photo identity proof* Passport, voters identity card, driving license, Aadhar Card

• Address proof* Passport, driving license, bank a/c statement, electricity/ telephone bill, adhaar card

Latest ITR, Latest Form 16, Latest salary slip/ certificate, Latest Audited Financials, Bank details with last 3
• Income proof*
months salary credited

The Application will be assessed quickly after receiving the required documents. Please quote the Application Reference Number mentioned in the slip for any
enquiry(ies).
* Requirement of documents might vary according to the scheme chosen.
TWO-WHEELER LOAN APPLICATION FORM

VERNACULAR DECLARATION

The contents of the Loan Application Form has been explained by me (the witness) to the Applicant/Co-applicant in _______________ (name of language in which the Applicant has signed) and the same has been understood by
the Applicant/Co-applicant.

Name of Witness: MOHAMMAD SAJID Signature of Applicant’s/Co-applicant’s: ______________________________

Address of Witness: DELHI Signature of Witness: ______________________________

_______________________________________________

Date: _______________

Place: DELHI

OSV

Date: Name of person doing OSV: MOHAMMAD SAJID

Employee Code: 261396 Employee Branch: DELHI Employee Designation: TW Sales Officer

Priority Sector Lending

Direct Agri: (Agriculturist/Farmer/Agri allied activities like, dairy farming, Poultry farming, fishery, bee-keeping etc.) – Loans up to 02 crore

Indirect Agri: Service units like trader, Dealers/sellers of fertilizers, pesticides, seeds, cattle feed, poultry feed, agricultural implements and other inputs – Loans 02 to 05 crore

Micro and Small Enterprise:

Mfg. Service

Micro Upto 25 Lakh Upto 10 Lakh

Small Above 25 Lakh Upto 05 Crore Above 10 Lakh Upto 02 Crore

Medium Above 05 Crore Upto 10 Crore Above 02 Crore Upto 05 Crore

Basis of Identification CA Certificate MSME / SSI Certificate

Housing Loan:

(* Mfg. Enterprise – Investment in Plant & Machinery, Service Enterprise – Investment in Equipment’s)

Value of Property up to 35 lakh to 25 lakh in Metro & Non Metro Cities respectively

Weaker Section:

i. Individual women beneficiaries up to 1 lakh ii. Loans to: SC ST Others iii. Religion: Hindu Muslim Christians

Zoroastrians Sikh Buddhists Jain Others Please specify : ( )

iv. if Minority communities: Yes No v. Annual household Income :35000

vi. Preference category: Widow Working Disability Others (Please specify)

IDFC FIRST Bank Limited (Formerly IDFC Bank Limited)

Naman Chambers, C 32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400051 Tel: +91 22 2654 0354
Registered Office : KRM Towers, 7th Floor,No. 1, Harrington Road,Chetpet, Chennai 600031. Tel: +91 44 4564 4000 Fax: +91 44
4564 4022
CIN : L65110TN2014PLC097792 [email protected] www.idfcfirstbank.com
 CKYC Form

FOR APPLICANT : VIKASH OM

cKYC Number XXXXXXXXXX7517 Father Name Om Parkash

Mother Name Munne Devi Spouse Name

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

NBRF318213092416 | CANA

MEMBER ENROLLMENT FORM - HDFC Life Group Credit Protect Plus

Smart Medical Questionnaire

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

Options Life Option Extra Life Option Terminal Life Option Critical Life Option 1

Critical Life Option 2 Critical Life Option 3 Critical Life Option 4 Life Disability Option

Premium Payment Term

Base Sum Assured ( ) Rider Sum Assured ( ) Single Premium( ) Policy Term (months)
(months)

Life to be Assured 75000.00 75000.00 516.00 12 12

Master Policy Holder Name: IDFC First Bank Master Policy Holder Policy Number: PP000218

Applicant Status: Primary Borrower Co Borrower Joint Life (additional form to be filled for joint life) Moratorium Period(month): NA

Main Benefit(level/decreasing): Level Interest Rate: N/A (for decreasing option)

Loan Type: Two Wheeler Loan Disbursal Date: 22 Jun, 2025

Loan Amount: 61434.00 Loan Account Number:90017071106 Loan Tenure(months):12

I/we agree and understand the following:

My/our loan is in the name of: Vikash Om (borrower),_____________________ (co-borrower/s) Insurance cover is being taken in the name of:
Vikash Om (member names to be inserted) Type of cover: Single life Joint Life

ABHA (Life to be Assured) _____________________________ ABHA (Co-Borrower/Joint Life) _________________________ Declaration for Ayushman Bharat Health Account (ABHA) : I/we willingly grant my/our explicit
consent to HDFC Life Insurance Co. Ltd. to collect, store, process, transfer and archive my/our ABHA (Ayushman Bharat Health Account) information. Furthermore, I/we authorize the sharing of this information with HDFC
Life Insurance Co. Ltd.'s reinsurers and their third-party vendors for various purposes including but not limited to underwriting, claims processing, risk assessment, fraud prevention, customer service and outsourced activities
linked to the insurance services to be rendered to me by HDFC Life Insurance Co. Ltd. I/we acknowledge that I/we have the right to opt out of this consent at any time by contacting HDFC Life Insurance Co. Ltd.

Personal Details of Life to be Assured

Mr. Mrs. Ms. Dr.

Name: VIKASH OM Date of Birth: 07/06/2000 Gender: Male Female Transgender

PAN: CSCPG0489D

Marital status of Life to be Assured: Married Unmarried Widower Single

Address for communication: F 235 Okhla Industrial Estate Mata mohalla Tekhand Okhla Phase 1 South Delhi SOUTH DELHI 110020 DELHI
 City: SOUTH DELHI State: DELHI Pincode: 110020 Nationality: Indian Non Indian

Resident Status: Resident NRI/PIO/OCI (If you are NRI/PIO/OCI / Student Studying Abroad please attach appropriate Questionnaire)
Country of Residence: India Mobile Number: 7065680229 Email Id: [email protected]

Education: Post Graduation Graduate | Diploma 12th Pass 10th Pass Below 10th Illiterate

Present Occupation: Salaried Self Employed Professional Armed/Police Forces Agriculture Fire Service Retired Student Housewife Unemployed Merchant Marine
(if you are working in the Navy / Police / Army/Air force / Fire Service, Merchant Marine please attach appropriate questionnaire)

Gross Annual Income(INR):

Nominee/Appointee:
Full Name Date of Birth Relationship Share %

Nominee 1: MS. Munny Devi 08/4/1962 MOTHER 100%

Nominee 2: DD MM YYYY Life Assured

Appointee 1:

Particulars of Legal Guardian (if Life to be Assured is a minor): Mr/Mrs.

Date of Birth: ________ Gender: Male Female Transgender

Relationship with Life to be Assured: ________
 Medical Questionnaire Life to be Assured

Yes No

Have you ever suffered or are currently suffering from:

(a) Chest Pain or heart attack or any other heart
disease (b) Cancer, tumor, growth or cyst of any kind
(c)Stroke, paralysis Epilepsy, any psychiatric / mental
disorder, disorder of brain/nervous system or any kind
of physical disabilities (d) Asthma, Tuberculosis,
pulmonary obstructive disease or other lung disorder
(e) Diseases or disorder of muscles, bones or joints,
1 arthritis or blood disorder, anemia or any endocrine
disorder, congenital disorder, genetic disorder (f)
Diseases of the kidney, digestive system (stomach,
pancreas, gall bladder, intestine), liver, Hepatitis B or
C or HIV/AIDS infection or sexually transmitted
disease (g) Diabetes, high blood pressure (h) Any
Other disorders. If Yes, then provide details of the
medical
condition:__________________________________

During the last 5 years have you undergone any major

surgery or been hospitalized for more than one week
or have taken leave from work for more than 5
2
consecutive days due to any medical reason? If Yes,
then provide details of the medical condition
_____________________

Are you taking any medication or has a doctor ever

attended to you for any conditions, diseases or
3 impairment not mentioned above (except for cough or
cold)? If Yes, then provide details of the medical
condition_________________________

Has more than one of your parents and siblings died

before the age of 60 years as a result of heart attack,
stroke, cancer, diabetes, HIV, kidney failure or any
4
other chronic or hereditary / familial disorders? If Yes,
then provide details of the medical
condition_____________________

Have you ever been declined, deferred, and accepted

at special terms, had cover reduced or had exclusion
5 imposed for any insurance cover in India or abroad? If
Yes, then provide reasons
_____________________________

Do you take part in any adventurous sports or

hobbies? (like paragliding, mountaineering, deep sea
6 diving, motor racing, bungee jumping, etc.)
If Yes, then provide details
_______________________

Do you currently smoke more than 10 cigarettes /

bidis per day or chew more than 5 pouches of tobacco
7 per day or consume alcohol more than (wine- 180 ml,
Beer – 350 ml, Hard liquor – 45 ml) a day or using /
ever used any Narcotics or any other drug?

Is your occupation or business associated with any

hazard (e.g. exposure to chemical
substances/hazardous materials/harmful dust or
8
gases/ explosives/ working at heights/ handling heavy
machinery etc.)? If Yes, then provide details
______________________

For Female Lives:

(a) Are you currently pregnant at 20 weeks or more or

have you ever undergone abortion, miscarriage, or
any complications during pregnancy?
9
(b) Have you given birth within the last 12 weeks?

(c) Have you ever had any disease of breast, uterus,

cervix, ovaries or any other part of the reproductive
system?

Have you ever been or currently being investigated,

charge sheeted, prosecuted or convicted or acquitted
or having pending charges in respect of any
10
criminal/civil offences in any court of law in India or
abroad? If Yes, then provide details
_____________________

Do you have any group risk cover as a scheme

member through the same Master Policy holder
11 (lender) or any other Master Policy holder where
HDFC Life is an insurer? If yes, specify sum assured.
Rs __________________

Are you a Politically Exposed Person? If Yes, then

12
provide PEP Questionnaire
Declaration of Life to be Assured

I understand, agree and confirm that these statements and this declaration are basis of the contract between the insurer and the policyholder.
Subject to Section 45 of the Insurance Act 1938 as amended from time to time, if any untrue statements are contained herein or there has been
any non disclosure of any material fact, the policy to be issued by the insurer in the name of the policyholder may be treated as void as far as I am
concerned.
I confirm that I have read and understood, the rules and any additional rules of the plan, the standard policy provisions and any additional
provisions that govern the policy to be issued by insurer in the name of the policyholder and on my life, and I agree and confirm that the same
shall be binding on me.
I authorise the policyholder to disclose to the insurer such particulars as they may require including the details given above and any changes to
the same, pay the premium payable on my behalf /collected from me to the insurer.
I understand that any statutory levy or charges including any indirect tax may be charged to me either now or in future by the insurer and I agree
to pay the same
I understand that HDFC Life Insurance Company Limited (HDFC Life) has the right to reject a proposal without giving reasons thereto and confirm
to give an undertaking that I shall not raise any claims thereof.
I understand the significance of the contract and that the contract will be governed by the provisions of the Insurance Act 1938 as amended from
time to time and that the same will not commence until written acceptance of this application issued by the insurer on its normal terms and
conditions is received.
I further agree that if after the date of submission of the proposal but before the issuance of Policy (i) there is an adverse change in my
occupation, financial condition, health condition, which will affect the decision of the Company in underwriting risk or (ii) if the proposal for
assurance or an application for revival of the policy made to any insurer on my life or the Life to be assured is withdrawn or dropped, deferred,
declined or accepted on terms other than as proposed, I shall forthwith intimate the same to the company in writing and failure to do so shall lead
to a decision as per the applicable terms and conditions of the policy.
I hereby declare that the content of the form and document has been fully explained to me and I have fully understood the significance of the
proposed contract.
I understand and agree that in case any error, omission, incorrect information, blank forms, etc. are detected at the claim stage because of lapses
on the part of the scheme member, such claims shall be treated as invalid by the insurer and the claim payout shall not be processed.
I understand that any If any of the requirement/s raised by the insurer including further requirements pertaining to medical
tests/reports/investigations are not completed within three months from the date when the member enrolment details were shared by the Master
Policy Holder (MPH) with the insurer, the received premium amount for the said enrolment, would be refunded and the respective member's
enrolment shall be deemed as withdrawn.
I declare and hereby consent and authorize the Company or any of its authorized representatives to seek medical information from any doctor or
from a hospital who at anytime has attended me or from any past or present employer concerning anything which affects my physical or mental
health and seeking information from any insurance company to which an application for insurance has been made for the purpose of underwriting
the proposal and /or claim settlement.
In an event of change in age from the declared age before the Risk Commence Date, the Sum Assured may be revised to adjust for the possible
premium shortfall.
I acknowledge that, in conjunction with obtaining the loan from the Master Policyholder, i am taking an insurance cover from HDFC Life to
safeguard myself against a loan default on the occurrence of any contingent event as covered under the COI issued to me. Further, i hereby grant
explicit consent to the MPH for including the insurance premium amount payable by me in the loan EMI (subject to confirmation by MPH) and
paying it directly to the Insurance company.

Signature/Thumb Date: 22 Jun, 2025

impression: 1:59 PM
(Life to be
Assured)

Place: SOUTH
DELHI
Declaration made by Declarant where Life to be Assured has:
a) Affixed his/her thumb impression; OR b) Signed in vernacular; OR c) Not filled the application

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

Name of the Declarant:___________ Name of the Witness:____________

Signature/Thumb impression(Declarant):__________ Signature/Thumb impression(Witness):_______________

Address of the Declarant:_____________ Address of the Witness:_______________

Date: __________________ Place: __________________ Date: __________________ Place: __________________

“I certify that the contents of the form and documents have been fully explained to me by Mr. / Mrs.: Vikash Om and I have understood the significance of the
proposed contract.

Signature/Thumb impression(Life to be Assured):_________

Date: 22 Jun, 2025 1:59 PM

Place: SOUTH DELHI

Declaration made by Legal Guardian where Life to be Assured is a minor: I hereby declare that the content of the form and document filled up by the Life to be Assured is accurate and true to my/our knowledge.

Name of the Witness:_______________

Signature/Thumb impression(Witness):_____________
__________________________ Address of the Witness:__________________
Signature/Thumb impression Date: __________________ Place: __________________

Assignment as per Section 38 of The Insurance Act, 1938 as amended from time to time
I do hereby declare that I have received a loan from M/s IDFC FIRST Bank (“Master Policyholder”). In order to secure the said loan, I hereby agree to assign the insurance cover provided to me under the above referenced
Master Policy and the Certificate of Insurance in favor of the Master Policyholder as per Section 38 of The Insurance Act, 1938 as amended from time to time. The said assignment is to the extent of the outstanding loan amount as
per outstanding loan schedule to be issued by the Master Policyholder on the date of occurrence of the contingent event. I hereby agree and confirm that I shall inform my beneficiary/ nominee about the existence of this
assignment.

Signature/Thumb impression (Life to be Assured): _________ Signature/Thumb impression (Witness): _____________

Date: 22 Jun, 2025 1:59 PM Date: ____________________

Place: SOUTH DELHI Place: ____________________

Digital signature of co-applicant is affixed w.r.t. the loan application & is not applicable for insurance MEF.
HDFC Life Insurance Company Limited (HDFC Life). CIN: L65110MH2000PLC128245. IRDAI Registration No. 101.
Regd. Off: 13th Floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai - 400 011.
For queries or more information, call us on 1860-267-9999 (Local charges apply) | 022-68446530 (STD charges apply).
Available Mon-Sat from 10 am to 7 pm. DO NOT prefix any country code e.g. +91 or 00. |
Email – [email protected] | [email protected] (For NRI customers only) Visit – www.hdfclife.com
FGH/UW/GRP/45/01

GROUP PERSONAL ACCIDENT ENROLLMENT FORM

1) Loanee / Insured’s Name: Vikash Om

2) Loan account number: 90017071106
3) Loan Disbursement Date: NA
4) Residential Address: F 235 Okhla Industrial Estate,Mata mohalla Tekhand Okhla
Phase 1,South Delhi,SOUTH DELHI,DELHI.
5) Village: NA
6) District: NA
7) State: DELHI
8) Occupation: Salaried
9) Marital Status: Single
10) Sum Insured: 500000
11) Nominee Name: Sankar Kumar
12) Nominee Relationship: BROTHER
13) If covered under any other Personal Accident scheme, please provide details: NA

Terms and Conditions:

1) I agree that the proposal is the basis of this agreement between me & Future
Generali India Insurance Company Limited.
2) I hereby declare on my behalf that the above statements, answers and/or
particulars given by me are true and complete in all respect to the best of my
knowledge.
3) I agree to follow the terms & conditions including any changes in the Policy.
4) In Case of non-declaration of material facts or fraud, there would be no refund of
premium paid.
5) I agree to submit all required documents for the claim processing.
6) I hereby give consent to Insurance Company to pay the claim amount up to the
outstanding loan amount to the financer and balance (Total sum insured minus
outstanding loan amount) to the named nominee as stated in this form.
I have read all the terms and conditions & agree for the same

Insured's Signature----------------------------------------------------Date-------------
 (Please write in BLOCK LETTERS with Ball-Point Pen only)

SCHEDULE
Loan Agreement No. 90017071106 Agreement Date Sun Jun 22 08:23:40 GMT 2025

Disbursal Type Scan Based Disbursal

I have Seen and Verified the Orignal Documents and found them to be okay. This is okay to be proceeded under
Disbursal Declaration
Scan Based Disbursal mode.

NAME AND ADDRESS

Vikash Om, F 235 Okhla Industrial Estate Mata mohalla Tekhand Okhla Phase 1 South Delhi SOUTH DELHI, DELHI 110020 - Property Status:
Borrower
Owned

Co-borrower

Guarantor

Branch Address of IDFC First Bank Limited DELHI

LOAN DETAILS

Dealer/Seller Name REF CITIZEN MOTORS

Asset Cost 97000.00 Loan Amount 61434.00

Loan Tenure 18 EMI Scheme Advance Arrears

Advance EMI(Number) 0 Advance EMI Amount 0.00

EMI Amount 4117.00 Rate of Interest (Reducing) 24.63

EMI Start Date 03 08 2025 EMI End Date 03 01 2027

CHARGES

TWO WHEELER CHARGES CHARGE AMOUNT TWO WHEELER CHARGES CHARGE AMOUNT

10% of Outstanding EMI between the range of

EMI Bounce charges per presentation Processing fees Up to 5% of the total amount (Inclusive of GST)
minimum Rs 400 & Maximum Rs 1000 Excluding GST

Foreclosure / Prepayment charges 5% of principle outstanding amount Exclusive of GST

Late payment/Penal charges/ Default interest/Overdue 2% per month (Inclusive of GST) of the unpaid EMI or Part Payment charges Part Payment is not allowed
(per month) Rs 300 (Inclusive of GST) whichever is higher Duplicate No Objection Certificate Issuance Charges Up to 500 Exclusive of GST

Loan re scheduling charges (per re scheduling) NA

List of Documents NA Physical Repayment Schedule 500 Exclusive of GST

"1000 (Inclusive of GST) towards Cancellation. Physical Statement of Account 0

Cancellation to be received within 30 days or 1st EMI
Cancellation & Rebooking charges Document retrieval charges (per retrieval) 0
presentation date whichever is earlier. Post which it will
be treated as foreclosure" Stamping Charges As per actuals

Easy Buy Card Annual Fee (If Easy Buy Card

EMI Pickup/ Collection Charges 500 Excluding GST 99 Inclusive of GST
Applicable)

Other Charges (if applicable) Upto 2000 Inclusive of GST Admin Fee (If Applicable) Upto 1200 Inclusive of GST

Security Post Dated Cheque Waiver 0 PDD Charges Upto 2000 Inclusive of GST

Valuation Charges (If Applicable) As per actuals EBC & Push Card fee(if applicable) 530 Inclusive of GST

Legal/Collections/ Repossession & Incidental Charges As per actuals Switching Charges Rs 1000 Including GST

VEHICLE DETAILS

109.7 CC ,TVS JUPITER

Vehicle Make and Model Year of Manufacture 2024 TW type Used Bike Repurchase
BS6 ,TVS MOTORS LTD

Engine No. DG5GR3X11553 Chassis No. MD626CG58R3G27658 Vehicle Registration No. DL12ST0194

IDFC First Bank Limited (“the Bank”) does not accept any payment either in cash or kind along with or in connection with its products at the time of applying for
loan. Charges pertaining to Processing fees and those prescribed in the aforementioned Schedule of Charges are the only charges levied by the Bank. The Bank
and any of its directors, employees and /or officers shall neither be liable for payment (if any) made in cash or kind nor shall also be held responsible for payment
(if any) made to any third party.

We Agree:
_________________________ _________________________ _________________________

(Borrower) (Co-borrower) (Guarantor)

“FOR OFFICIAL USE ONLY CENTRAL OPS”

This agreement will come in to effect from
Signature :________________________________

__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __
__ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __

Payment instruction for Vehicle(s) loan availed from IDFC FIRST Bank Ltd.
I/We hereby request that the full amount of the Vehicle(s) Loan (after deducting the premium amount and any charges as applicable there from) that you agreed to
grant to me for purchase of Vehicle(s) Mentioned above, be disbursed (paid) to the respective Seller/Vendor/Borrower whose name and address has been also
mentioned above. I/We agree that we will be guided by the terms and conditions pertaining to the payment to dealer as mentioned in the agreement.

I/We confirm having booked the Vehicle(s) from the above Seller/Vendor and would be taking delivery of the same from the Seller/Vendor.
I/We hereby authorize IDFC First Bank Ltd.(“the Bank”) to disburse/pay the Vehicle(s) loan amount (after deducting the insurance premium amount and any
charges as may be applicable there from) directly to the Dealer(s), whose name, address and a/c number are mentioned above, as per the terms of the
agreement. I/We also authorize the Bank to pay the Dealer(s) (from the charge/s paid by me/us) any amount that you may consider appropriate for processing the
loan application, assisting you in perfecting your security interest in the Vehicle(s).

I/We confirm that in case of any cancellation of purchase of above Vehicle(s), I/We authorize and instruct the above Dealer(s) to refund the booking money to you.
Borrower Signature
Borrower Name Vikash Om Affix
__________________
Common
Seal of the
Co-Borrower(s)/Signature
Company
Co-Borrower(s)/ Name
__________________
In case of companies, common seal to be affixed in accordance with the Articles. In case of partnership firms, authorized partner to sign.
In case of sole proprietary concerns, sole proprietor to sign.
 SURRENDER LETTER
Date:

Location: DELHI

To,
IDFC FIRST Bank Limited ("the Bank")
DELHI

Loan Agreement dated:

Loan Account No. 90017071106
Vehicle Registration No. DL12ST0194
Vehicle Model TVS JUPITER BS6
Year of Manufacturer 2024
Name of Borrower & Co-borrower Vikash Om
F 235 Okhla Industrial Estate Mata mohalla Tekhand Okhla Phase
Address of Borrower & Co-borrower 1 South Delhi SOUTH DELHI, DELHI 110020 - Property Status:
Owned

l/ We hereby voluntarily and without coercion - from anyone, surrender the above described vehicle to the Bank or its agent in accordance with rights vested with
the Bank under the Loan Agreement executed between us, whose terms and condition are/were breached/defaulted in payment under the Loan agreement. l/ We
hereby confirm that there is no cash or other valuables in the said vehicle whose possession is being taken as aforesaid.

Borrower _____________________________________________

Co-Borrower _____________________________________________
 LD/VL/AOH Digital/June 2024/v1
AGREEMENT OF HYPOTHECATION

This Agreement (“Agreement of Hypothecation”) made on the Effective Date hereto between the person(s) named in the Schedule II to this Agreement as “Borrower” and “C
requires, include his/her/their heirs, executors, administrators, successors, members and permitted assigns) of One Part; AND

IDFC FIRST BANK LIMITED, a company registered under the Companies Act, 2013 and a banking company within the meaning of Banking Regulation Act, 1949 and havin
specified in Schedule II hereto (hereinafter called “the Bank” which expression shall, unless it be repugnant to the subject or context thereof, include its successors and ass

The Borrower and the Bank are hereinafter collectively referred to as ‘Parties’ and individually as the ‘Party’.

WHEREAS, the Borrower has/have approached the Bank for grant/sanction of loan for the amount and the purpose as stated in the Schedule II hereto which the Bank, has
Loan to be made by the Bank to the Borrower.

NOW, THESE PRESENTS WITNESSETH AND IT IS HEREBY AGREED BY AND BETWEEN THE PARTIES HERETO AS FOLLOWS

1. DEFINITIONS AND INTERPRETATION

1.1. In this Agreement, unless the context otherwise requires, the following terms wherever used including the recitals, shall have the following meanings.
a) “Agreement” shall means this Loan Agreement together with its annexure(s)/schedule (s) entered into between the Borrower and the Ban
b) “Application” shall means the application made by the Borrower(s) to the Bank for Loan including all particulars, papers, documents and a
c) “Annexure” shall means the schedules /annexures to this Agreement as amended/modified from time to time, which shall form an integral
d) “Assets/ Hypothecated Assets” OR “Vehicles” collectively or otherwise referred specifically for context herein shall mean one or more o
etc., as are as more specifically detailed in the Schedule II. This also includes all accretions, additions and accessories (including any addit
acquired by the Borrower(s) or which is owned by the Borrower(s) and any other security whether moveable, offered as security/secured in
e) “Business Day” shall mean a day on which the Branch is open for general business as well as for the purposes of payment, settlement an
on the preceding Business Day.
f) “Documents” shall mean this Agreement and such other loan transaction documents incidental hereto and/ or contemplated hereby, which
g) “Dues” shall mean the principal/interest/any charges levied on the loan account which are payable within the period stipulated as per the te
h) “Effective Date of Agreement of Hypothecation” shall mean the date on which the Agreement of Hypothecation is executed/signed by th
i) “Equated Monthly Instalment (EMI)” shall mean the amount of monthly payment consisting of principal and interest necessary to amortis
j) “Rate of interest” shall mean the rate of interest applicable on the Loan as mentioned in the Schedule II.
k) “Fixed Rate of interest” shall mean the specific rate of interest applicable on the Loan for specific tenure mentioned in the Schedule II.
l) “Indebtedness” shall means any indebtedness in respect of monies borrowed or liabilities contracted (including under guarantees, indemn
or a person or entity related to the Borrower, towards the Bank and any indebtedness of the Borrower and/or of any affiliate of the Borrower
m) “Marginal cost lending rate” shall means the interest rate announced by the Bank from time to time as its Marginal cost lending rate (MC
n) “Loan”/ “Facility” shall mean the amount of financial assistance sanctioned under this Agreement for the amount and purpose as mention
o) “Loan Account” shall mean the loan account opened by the Bank in the name of the Borrower pursuant to the sanction of the loan and to
p) “Overdue” shall mean the principal/interest/any charges levied on the loan account which are payable, but have not been paid within the p
is not paid on the due date fixed by the bank.
q) “Pre-EMI Interest” Interest shall mean Interest amount at applicable the Rate of Interest indicated in the Schedule II, on the loan from the
r) “Prepayment” shall mean premature repayment as per the terms and conditions laid down by the Bank in that behalf and in force at the tim
s) "Red Flagged Account" is one where suspicion of fraudulent activity is thrown up by the presence of one or more Early Warning Signals (
initiating preventive measures by the banks.
t) “Sanction Letter” shall mean the letter, if any, issued by the Bank and accepted by the Borrower(s) sanctioning the Loan with the relevant
Agreement and shall always be read in conjunction with the same. The Bank shall be entitled to alter/vary/modify the terms and conditions
accord or as may be required by any Regulatory/Statutory Authority.
u) “Security” shall mean the security created or to be created by the Borrower or any other Party in favor of the Bank for securing the Loan a

1.2. Unless a contrary indication appears, any reference in this Agreement to:
a) Any expression not defined herein but defined in the General Clauses Act, 1897, the meaning or interpretation assigned to such expression
b) A person includes any person, firm, company, corporation, government, state or agency of a state or any association, trust or partnership (w
c) The singular includes the plural (and vice versa);
d) Reference to the masculine gender includes references to the feminine gender and the neuter gender and vice versa.d to such expression
e) The Sanction letter shall be read in conjunction with the provisions of this Loan the said Sanction Letter, also the Bank/ shall be entitled to a
same on its website, either on its own accord or as may be required by any Statutory Authority.
f) Unless the contest requires or otherwise specially mentioned, reference to the Borrower shall include Co-Borrower as well.
g) In the event of disagreement or dispute between the Bank and the Borrower regarding the materially or reasonableness or any matter inclu
or otherwise, the opinion of the Bank as to the materially or reasonableness of any of the forgoing shall be final and binding on the Borrowe

2. LOAN AMOUNT, INTEREST, FEES/CHARGES/COSTS ETC

2.1. Amount of the Loan
a) The Borrower has requested the Bank to sanction /disburse the Loan based upon the representation, warranties, covenants, and undertaki
Agreement and the Sanction Letter.
2.2. Interest
a) The Borrower shall pay interest on the Loan as per the Rate of Interest specified in the Schedule II as amended from time to time.
b) The Borrower is aware and confirms with the Bank that the rate of interest shall change as and when there is any change/reset in the MCLR
Branch or otherwise. The change in the Rate of Interest on account of the aforesaid shall become effective from the EMI payment date fallin
c) Notwithstanding anything to the contrary contained in this Agreement, the interest payable by the Borrower shall be subject to the changes
 d) Interest on the Loan shall begin to accrue from the date of disbursement of the Loan by issuing disbursement payment order/demand draft
such payment order / demand draft or the time taken in such realization.
e) Interest on the Loan shall be computed and charged to the Borrower as following
i. On the day of each calendar month/quarter/half year/year as stated in the Schedule II
ii. Taking the basis of 360 days a year;
iii. On the actual amount outstanding on the last day of the preceding period of one month/quarter/half year/year as stated in th
iv. Interest from the date of debit to the Loan Account till the commencement of the EMI shall be payable every month as Pre-E

f) The Borrower is aware of the First EMI start date i.e., 3rd or 5th of every month, depending upon the date of disbursement. The Borrower is
date of disbursement. The Borrower acknowledges that Borrower shall not raise any dispute to aforesaid calculation.
g) In case of pre-owned and new car loans, the Borrower is aware that the effective, interest rate calculation shall start from date of disbursem
h) The Borrower agrees that Bank may deduct Pre-EMI Interest amount from the loan amount.
i) Borrower is aware that penal charges means charges which the Bank shall impose for delay in payments by the Borrower. Said charges sh
amended from time to time by the Bank. It is further specified that penal charges as set out in the Schedule Of Charges are without prejudic
2.3. Fees/Charges/Costs
a) The Borrower(s) has/have paid/agreed to pay on or before the disbursement of the Loan to the Bank such charges as mentioned in Schedu
b) The Borrower agrees and covenants with the Bank to promptly pay (a) the applicable stamp duty on this Agreement and also on such other
and other charges whatsoever in relation to this Agreement, the Loan, the Vehicles and/or the Security or any other charges or benefits und
or paid by IDFC) in relation to this Agreement and/or any Security including those incurred for repossession and/or sale of Vehicle and/or a
claim the same from the Borrower and the same shall form part of the Loan.

3. DISBURSEMENT
3.1. The Bank shall, subject to the provisions of this Agreement and unless agreed between the Borrower(s) and the Bank otherwise, disburse the Loan by issu
i. to the seller or vendor towards the payment of the purchase price of the Vehicle(s) from whom the Vehicle(s) is being purchased utilising th
ii. in the name of the previous financier towards the repayment of the previous loan to be taken over by utilising the Loan; or
iii. in the name of the Borrower, at the discretion of the Bank.
iv. In tranches if applicable, such tranche disbursements may be treated as a separate loans and for each such separate loan a new loan acco
disbursement to the Borrower(s).
The disbursement made as above shall be deemed to be a disbursement to the Borrower(s).
3.2. The Bank may not disburse at any time, any amount under this Agreement unless the following conditions are complied by
a) This Agreement is duly executed and delivered to the Bank by the Borrower;
b) The Borrower satisfies the Bank of the Borrower’s claim/title over the -Security;
c) The Borrower’s submission to the Bank, post-dated cheques as security or towards repayment instalments; in case of failure of NACH Man
d) Any other document or writing as the Bank may require in its sole discretion.
e) Borrower fails to pay own contribution amount/ margin money.

4. REPAYMENT
4.1. The Loan (including the principal and interest thereon) shall be repayable by the Borrower to the Bank as per the Repayment Schedule mentioned hereund
payable under this Agreement and to observe its terms and conditions;
4.2. No notice, reminder or intimation will be given to the Borrower regarding the Borrower’s obligation to service the Loan/ other dues under this Agreement on
4.3. Notwithstanding anything to the contrary contained in the present, the Borrower agrees that the Bank shall have the right at any time or from time to time to
at its sole discretion decide. The Borrower also undertakes and agrees to pay the interest on the Loan, free from any deduction whether on account of tax o
4.4. The Borrower hereby agrees, accepts and consents that the EMI start and End dates might change due to whatsoever reason and communication for that e
4.5. Delay in payment of EMI/Pre-EMI etc.
a) In the event of default / delay in payment of EMI/Pre-EMI or any amount under this Agreement, the Borrower shall pay penal charges.
b) If required by the Bank, the Borrower shall at its own cost create additional security interest in such form and manner as stipulated by the B

4.6. 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
under this Agreement or otherwise, towards the dues payable by the Borrower to the Bank under this Agreement and/or other agreements entered into betw
4.7. The para banking services provided by the Bank to the Borrowers for financial products shall be strictly on a non-risk participation basis.
4.8. Borrower shall be liable to pay the Interest on outstanding loan balance for the duration it remains outstanding. Further, such Interest calculation shall comm
of handover of the cheque.
4.9. Notwithstanding anything to the contrary contained in this Agreement, Borrower is aware that insurance is non-mandatory and offered only to customer who
Insurance Company and the certificate of insurance (if received/issued) will remain cancelled/ revoked by the said Insurance Company. Bank may receive t
https://www.idfcfirstbank.com/personal-banking/investments-and-insurance under Insurance Tab.
4.10. Bank may receive the commission / fees for solicitation of insurance products (if any) and same will be available on Bank website https://www.idfcfirstbank.
4.11. Post Dated Cheque (PDC) / Standing Instruction (SI)/Electronic Clearing System (ECS)/National Automated Clearing House (NACH):
I. The Borrower understands, agrees and unconditionally consents to extend existing Mandate (which was provided in existing loan/facility) in
II. All the payments, if the Bank so decides, may be collected through PDCs which shall be handed over at Branch and submission of such PD
dates. The Bank shall have the authority to fill and finalize all such instruments. The expression PDC shall wherever the context so requires
III. The Borrower shall submit with the Bank such minimum number of PDCs as may be prescribed by the Bank from time to time. Such PDCs
liability to pay the said sums hereunder until the PDC is duly realized.
IV. It is expressly agreed and understood that the Borrower shall at no time issue any communication to the Bank for stopping or postponing th
of this Agreement.
V. The Borrower agrees in the event of any dishonour of PDC / SI / ECS/ NACH instruction the Borrower agrees to pay a dishonour charges a
that the Borrower(s) shall forthwith issue fresh PDCs/ ECS/SI/NACH instructions or make direct payment to the Bank as may be required by
i. The date of payment of EMI or any other amount payable under this Agreement;
ii. The amount of interest, principal or EMIs;
iii. The numbers thereof; or
 iv. The value of the Vehicle(s), or if otherwise required by the Bank,

VI. If the Borrower(s) at any time during the tenure of the Loan, wishes to replace any PDC with another for whatsoever reason then the Borrow
discretion.
VII. The Borrower hereby undertakes that the Borrower shall not close the account on which the PDC/SI/ECS is issued and shall not change the
Further, the Borrower hereby undertakes and confirms that PDC/SI/ECS/NACH mandate issued under this Loan Agreement shall continue
Borrower from the Bank, and/or its affiliates are fully discharged and the Bank/ group companies are fully discharged and the Bank and/or it
shall not be affected impaired or discharged. The Borrower covenants that the PDC/SI/ECS/NACH provided by the Borrower shall remain v
VIII. Notwithstanding anything to the contrary contained in this Agreement and irrespective of the mode of repayment selected by the Borrower,
entitled, without prejudice to its other rights under the Agreement or law, to present and/or re-present the PDC issued by the Borrower(s) in
IX. The Borrower shall not demand any return of the PDCs or any other documents provided to the Bank in relation to the Loan at any point of

4.12. Pre – payment of Loan

a) The Bank may, at its sole discretion and on such terms as to pre- payment fees, etc., as it may prescribe from time to time, permit pre- paym
the Bank such Pre-payment charges mentioned in the Schedule of Charges, as amended from time to time.
b) Subject to above, if the Borrower pre-pays only a part of the Loan, the Bank shall be entitled to adjust the amount prepaid against the amou
schedule at its sole discretion and the Borrower agrees to adhere to such altered re-payment schedule.

4.13. The Borrower understands, acknowledges and agrees that the Facilities are uncommitted facilities, are recallable by the Bank at any time and may be canc
disbursal of the facility should not be construed as giving rise to binding obligations on the part of the Bank to provide the facility mentioned aforesaid. The F
the basis of this sanctioned facility.

5. HYPOTHECATION

a) In consideration of the Bank having granted or agreed to grant to the Borrower the Loan subject to the terms and conditions mentioned here
Schedule II hereunder to secure the repayment of the Loan, interest, fees, costs, charges and expenses and all other amounts payable by t
b) The Borrower(s) shall be solely and exclusively responsible for the quality, condition, fitness, and performance of the Vehicles(s)/Hypotheca
liable or responsible for any delay in delivery (or non-delivery of the Vehicle(s) or for any defector variation in the quality, condition or fitness
c) The Borrower(s), wherever it applicable, shall register the Vehicle(s) under the Motor Vehicles Act, 1988 and the appropriate authority (Auth
made clearly indicating the fact that such Vehicle(s) is/are exclusively charged in favour of the Bank. Wherever required/applicable (such as
using the Vehicle(s) across/in the State or area in which such Vehicle(s) is/are registered. More specifically, in consideration of the Loan, th
Borrower(s) shall utilize the entire Loan for the purpose mentioned under this agreement and for no other purpose whatsoever.
d) The Borrower(s) shall affix plates/ stickers on the Vehicle(s), indicating the fact of charge of the Vehicle(s) in favour of the Bank, and retain
e) The Borrower(s)shall keep the Vehicle(s) in sound working and repair condition under the Borrower(s) own possession and control. The Bo
without prior consent of the Bank.
f) The Borrower/s shall keep the Vehicle(s) free from any and all liens, charges, and encumbrances whatsoever, save and except for the first
sell, assign, transfer, hire, lease, let out or otherwise part with possession of the Vehicle(s) in any manner what so ever.
g) The Borrower(s) shall take consent from the Bank for removal of the Vehicle(s) beyond territorial borders of the State in which the Vehicle(s
h) The Borrower(s) shall permit the Bank (and any of its representatives), at all times, to inspect, view and examine the state and condition of
an inspection as deemed fit by the Bank in relation to the Vehicle(s).
i) The Borrower(s) shall comply with all laws, rules, and regulations (statutory or otherwise) relating to the Vehicle(s) and its use and shall obt
operation of the Vehicle(s). In cases where the Vehicle(s) is/are to be imported, the Borrower/s shall obtain all necessary import licenses an
j) The Borrower undertakes that Vehicle(s) shall not be used or put to use for any unlawful or illegal purposes such as smuggling of goods, ar
k) The charge created by the Borrower in clause herein above shall stand as security for the repayment and payment by the Borrower of the lo
hereunder and all other monies payable or to become payable by the Borrower to the Bank pursuant to the terms hereof.
l) The charge herein created shall continue unless and until the Bank shall issue a certificate discharging the security created herein and shal
reconstruction, take over of the management, dissolution or nationalization ( as the case may be) of the Borrower.
m) The charge hereunder created shall remain in full force so long as all the repayments and payments mentioned in clause (4) are not made.
n) The hypothecation shall be deemed to take place immediately on signing of this agreement or delivery of the Asset(s) as the case may be,
o) The Bank shall be entitled to call upon the Borrower and the Borrower shall be liable to furnish to the Bank additional security as decided by
p) The Borrower shall, if required by the Bank:
i. Comprehensively insure and keep insured the Vehicle(s) with an insurance company against loss by fire, earthquake, floods
ii. Obtain insurance cover against the risk of death and injury to the Borrower(s), with the Bank as sole beneficiary or the first lo
iii. Any security (ies) furnished by the Borrower(s), under any other agreement entered into or to be entered into with the Bank,
offered in respect of this Loan shall be deemed to be continuing security (ies) in respect of other loan(s)/facility (ies) obtained
satisfaction of the Bank.

6. BORROWER’S REPRESENTATIONS, WARRANTIES, COVENANTS, AND UNDERTAKINGS

6.1. With a view to induce the Bank to grant the Loan, the Borrower(s), hereby represents/warrants to/covenants/ undertakes with the Bank that the Borrower(s)
a) Has furnished true and complete details in the Application are complete and correct in all respects;
b) Shall notify the Bank of any event or circumstances which might be or become a cause of delay in the delivery of the Vehicle(s);
c) Shall whenever required by the Bank submit statements of annual income certified and audited by a practicing chartered accountant along
documents concerning employment, trade, business, profession or otherwise as the Bank may require from time to time;
d) The Borrower shall ensure that neither the Borrower nor any director/partner/ member/trustee of the Borrower has been declared a willful d
of such person.
e) The Borrower hereby provides explicit consent for collection, processing, and utilization of information pertaining to self and the vehicle fina
for the purposes of tracing the vehicle and related information. The Borrower also states and understands that refusal to provide consent m
f) Shall notify the Bank regarding the change in his/her/their status as a resident/ non-resident Indian. In case of being non-resident Indian/pe
applicable laws and the Borrower shall indemnify and keep indemnified the Bank in that behalf.
g) All the amounts including the amount of own contribution paid/payable in connection with the Vehicle(s), if any, as well as the Security is/sh
2002.
h) The Borrower acknowledges and accepts the rates of interest and its calculation method, other fees, charges and all other amounts payabl
amounts payable and liabilities and obligations created under this Agreement.
i) The Pre-EMI Interest/EMIs will be increased by any incremental taxes, whether Sales tax, Goods and Service Tax, Entry tax or Excise duty
 Borrower/Co-Borrower and/or Guarantor agrees and undertakes to promptly (and in any event within 7 days of being so required by the Ba
charges, costs and expenses from time to time specified by the Bank (including all costs and expenses incurred or paid by the Bank) in rela
the Bank for enforcement of this Agreement and/or any Security including those incurred for repossession and/ or sale of the Vehicle(s) and
Guarantor undertakes to reimburse the Bank within 7 days of being informed by the Bank of the same, along with interest thereon at the rat
mentioned in the Agreement.
j) Any dispute being raised about the computation of installment of EMI’s will not entitle the Borrower to withhold payment of any installments
unconditional pursuant to his having executed this Agreement. Dishonor of any ECS/SI/NACH shall attract dishonour charges as mentioned
k) In consideration of the Bank entering into this Agreement with the Borrower, the Borrower shall, in addition to the down payment, deposit w
(as per the Schedule II) of the EMI’s (If applicable).
l) There is no litigation, pending or threatened against the Borrower or there notices issued on the Borrower under the applicable laws includin
m) Borrower further agrees, declares, undertakes, assures and confirms that the details mentioned in Schedule II is the exhaustive list of Borro
account of any birth, death, marriage, etc. and / or, on account of any amendment / change in the general statutes/laws of the country.
n) Borrower hereby authorises the Bank to appoint recovery agents and thereby consents and agrees that the Bank shall be entitled to disclos
consent to such disclosure by the Bank. Notwithstanding anything contained in this Agreement, the Borrower(s) expressly accepts and auth
relevant information pertaining to the Borrower(s).
o) Except to the extent disclosed to the Bank : (i) all the Borrower’s contracts or agreements with, or any commitments to, any affiliates or grou
of a director of a banking company; (b) where the Borrower is a partnership firm/HUF/limited liability partnership firm, none of the partners o
company, none of its directors, is a director or specified near relation of a director of a banking company; (iii)(a) where the Borrower is an in
liability partnership firm, none of the partners or members of the HUF, is a specified near relation of any senior officer of the Bank, and (c) w
Borrower is a Trust or Society, none of the trustees of the Trust or the members of the Society, is a specified near relation of any senior offi
p) I hereby provide the consent to the bank to pull my KYC details from CERSAI and PAN details from NSDL as and when required by the Ba
q) Borrower agrees that if he/ she avails any loan from the Bank then the PDC/SI/ ECS/NACH mandates issued under the said loan shall cont
the Borrower from the Bank/group companies are fully discharged and the Bank and/or its affiliates issue a certificate of discharge. The PD
Borrower covenants that the PDC/SI/ECS/NACH provided by the Borrower shall remain valid for the balance due to the Bank, or any other
r) 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
without withholding the same.
s) The Borrower(s) hereby represents/warrants to/covenants/undertakes that he/she shall utilize the loan for the purpose for which it is grante
gold, gold bullion, gold jewelry, gold coins, units of Gold Exchange Traded Funds(ETF) and units of gold Mutual Funds.
t) In addition to above, Borrower shall ensure following additional covenant and undertaking in case Borrower is purchasing used vehicle.
i. That the Vehicle should be in the same operating order, repair and condition and appearance as when originally delivered p
ii. Maintain to the specifications and working tolerances as listed on the original manufacturer's specification sheet for the Vehi
iii. Shall not decommission in accordance with the original manufacturer’s specification sheet for Vehicle by an authorized pers
iv. Ensure the vehicle is free from damage and in a condition commensurate with proper usage of the relevant Vehicle and rem
v. Vehicle should be subject to a continuous, annual maintenance contract, appropriate to the Vehicle (Vehicle Insurance). Pro
vi. Vehicle should be inspected by a suitably qualified expert appointed by the Borrower.
vii. It should be accompanied with all manuals, accessories, tools, Original RC and Keys etc. that were provided at the time of d

7. CLASSIFICATION OF SMA AND NON PERFORMING ASSETS

The Borrower understands that, the classification of the loan account as SMA and Non Performing Assets as per relevant guidelines of RBI in the manner d

8. EVENTS OF DEFAULT ETC.

8.1. The Bank may by a written notice to the Borrower, declare all sums outstanding under the Loan (including the principal, interest, charges, expenses) to bec
following.
a) The Borrower fails to pay to the Bank any amount when due and payable under this Agreement;
b) If the Borrower fails to submit the requisite number of PDCs/ECS/SI/ NACH or if any of the PDC/ECS/SI/NACH is dishonored.;
c) if the borrower fails to effect insurance cover of the vehicle or fails to pay insurance premia as when and due or fails to reimburse the same
d) The Borrower fails to pay to any person other than the Bank any amount when due and payable or any person other than the Bank demand
person and the Borrower;
e) The Vehicle/Hypothecated Asset is confiscated, attached, taken into custody by any authority or subject to any execution proceeding;
f) The Hypothecated Asset is distraint, endangered or badly damaged due to accident or any other reason whatever causing the same to be a
g) The Hypothecated Asset is stolen or untraceable for a period of 30 days for any reason whatever;
h) The Borrower fails to supply a certified true copy of the registration certificate within the time frame as specified by the Bank.
i) Borrower is in default under this Agreement or any other Agreement at time executed with the Bank or with any bank or financial institution
j) The Borrower defaults in performing any of his obligations under this Agreement or breaches any of the terms or conditions of this Agreeme
k) The death, insolvency, failure in business, commission of an act of bankruptcy, general assignment for the benefit of creditors, if the Borrow
l) Any of the information provided by the Borrower to avail the Loan or any of his Representations, Warranties etc. herein being found to be o
m) Any person other than the Bank commencing proceedings to declare the Borrower insolvent or if the Borrower shall become bankrupt or ins
n) The value of the Vehicles or any Security created or tendered by the Borrower, in the sole discretion and decision of the Bank, depreciates
o) If the Vehicle(s)is destroyed, sold, disposed of, charged, encumbered, alienated, attached, or restrained in any manner;
p) An event of default howsoever described (or any event which with the giving of notice, lapse of time, determination of materiality or fulfilmen
document relating to any indebtedness of the Borrower with the Bank or if, any other lenders of the Borrower including financial institutions
q) Any other event, which in the Bank’s sole opinion is likely to have materially adverse effect on the ability of the Borrower to make payments

The Borrower(s) agrees, confirms, and acknowledges that any default by the Borrower(s) under any other agreement or arrangement or guarantee or secu
vice-versa. The said amounts shall be deemed to be due and payable under this Agreement secured by the Security and vice-versa.and Borrower agrees t
security or other indebtedness of the Borrower(s) with the Bank or its subsidiaries affiliates shall constitute an event of default under this Agreement, then th

8.2. Consequences of default:

In the event of any default mentioned in Article 8.1 above the Bank shall have the right: -
 a) To recover the entire dues,
b) Take possession of the Vehicle/Hypothecated Asset so created whether by itself or through any of the recovery agents or attorneys as may
c) Take any other action as it may deem fit for recovery of its dues and enforcement of the Securities. The Bank shall be entitled to take posse
money not being paid or the Security being jeopardised.
d) To communicate in any manner, it may deem fit, to or with any person or persons including guarantors, person giving reference to loan, wit
or any place of work of the Borrower.
e) To sell by auction or by private treaty or tender, dispatch or consign for realization or otherwise dispose of, deal with the Vehicle/Hypotheca
f) To take any other suitable action for realizing due amount of the Bank.

8.3. The Borrower shall ensure that neither the Borrower nor any director/partner/member/trustee/person being in charge of the management has been declared
the Borrower shall take expeditious steps for removal of such person.

8.4. The Borrower is aware that, in case any of his director/partner/member/trustee/ person being in charge of the management has been declared a wilful defa

9. CLASSIFICATION OF ACCOUNT AS RED FLAG ACCOUNT

1. The Borrower understands and agrees that, in case the loan account is classified as red-flagged account, the Bank shall conduct an audit a
2. The Borrower shall co-operate with the said audit and shall provide required information, documents, etc. to the Bank or any person appoin
3. In case, the Borrower does not co-operate for conducting such audit, the Bank shall conclude the account as fraud, without giving further no

10. SET OFF AND LIEN

Without prejudice to what is stated herein, the Borrower hereby expressly agrees and confirms that in the event of the Borrower failing to pay the amount ou
which the Bank or any of its subsidiary/affiliates may be entitled by law, the Bank shall, without prejudice to any of its specific rights under any other agreem
credit of the Borrower in any account (including fixed deposit account) of the Borrower (whether singly or jointly with another or others) with the Bank or any
to other rights and remedies (including without limitation other rights or set off) which the Bank may have.

The Bank may at its absolute discretion appropriate any payments made by the Borrower under this loan Agreement towards repayment of any other loan o
Borrower and such adjustment and/or appropriation shall be final and binding on the Borrower and the Borrower shall continue to remain liable to the Bank
outstanding dues under any other loan this Agreement or transaction entered into by the Borrower with the Bank or towards another Indebtedness of the Bo
Bank post appropriation/ adjustment of the sale proceeds consequent of proceeds has the power to upon sell/transfer or otherwise disposal of any and/or a
Agreement, or deposited with Bank or under its possession or control and appropriate the same towards satisfaction/repayment of any other loan/ amounts
the Borrower.
The bank shall be deemed to have and hold and continues to have first charge on any assets including any deposit on which security has been/will be crea
security or charge created for the Loan shall be available to the Bank also in respect of such other Liabilities, irrespective of the fact whether the Loan is at

In event of any third party, including any statutory authority or court of law asserting any rights over any of the deposits, monies, securities and assets place
party only such deposits, monies, assets and securities placed with the Bank as would be available after setting aside deposits, monies, securities and asse
actual or contingent.

If any of the Borrower Entities have more than one agreement with or have availed any other facility from the Bank of whatsoever kind and if in any of the c
Hypothecated Asset (as security for all such liabilities of the Borrower Entities/persons including under this and other agreements, and to act accordingly) o
from any charge under such loan facility.

The bank has the exclusive right and sole discretion to appropriate all amounts received from the Borrower towards any of the agreements that the Borrowe
a particular agreement or liability thereunder.
The Bank shall have right to apply and/or appropriate and/or set off any credit balance of the Borrower(s) or any monies/assets (including but not limited to
under this agreement or any other agreement upon occurrence of the event of default. Exercise of any such right shall be binding on the Borrower(s).

11. ASSIGNMENT AND TRANSFER

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
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
and other financing documents to any Person at the Bank’s sole discretion.

12. AGREEMENT INTEREST BETWEEN BORROWER AND CO-BORROWER

It is agreed interest between the Borrower and the Co-Borrower that although both the Borrower and Co-Borrower are jointly and severally liable to perform
notwithstanding such registration in the exclusive name of the Borrower shall be and continue to be liable for duly observing and performing the terms of thi
rights herein, and the Co-Borrower shall not set up any defence against the Bank therefore, stating that the Vehicle is registered only in the name of the Bo

13. DISCLOSURE, SHARING OF INFORMATION & PRIVACY

13.1. The Borrower irrevocably agrees and consents to the Bank at any time and in any manner disclosing and/or making available to any agencies, bureaus, aff
documents of or relating to the Borrower, including any credit information, in such cases where the Bank considers appropriate including where such disclo
such information and documents for preparation, publication and distribution of credit reports and credit opinions relating to the Borrower to other persons in
Borrower commits any breach of any provision of this Agreement or any default or delay in the repayment of the Loan or any amount payable under this Ag
particulars (including photographs and particulars of accounts), as a defaulter in such manner as the Bank may deem fit and shall not hold the Bank liable f
13.2. The Borrower agrees that if the Borrower commits any breach of any provision of this Agreement or any default or delay in the repayment of the Loan or an
publish the Borrower’s name and particulars (including photographs and particulars of accounts), as a defaulter in such manner as the Bank may deem fit.
13.3. In the Event of Default, the Bank shall also be entitled to communicate in any manner it may deem fit, to or with any person or persons including guarantors
limited to visiting the property and/or any place of work of the Borrower.
13.4. The Borrower agrees that the Bank may be required to disclose Borrower personal and financial information to the statutory authorities in connection with a
13.5. The Borrower agrees and consents that the Bank shall be free to provide information to the Borrower with respect to various other Products, Services and O
13.6. The Bank will limit the collection and use of Borrower information only on a need-to-know basis to deliver better service to the Borrowers. The Bank may us
such as collecting subscription fees for such services, and notifying or contacting the Borrowers regarding any problem with, or the expiration of, such servi
sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from the Bank only for the said
Borrower to its Affiliates/ banks/ financial institutions/ credit bureaus/ agencies/ participation in any telecommunication or electronic clearing network as may
aforesaid purposes and shall not hold The Bank liable for use or disclosure of this information. The Bank values relationship with Borrower and will at all tim
13.7. Borrower understands and acknowledges that there are inherent risks involved in sending and receiving instructions/communications/documents via electro
and he assumes full responsibility for the same. The Borrower will not hold the Bank liable for any losses or damages including legal fees arising owing to a
13.8. The Bank shall not be liable or responsible for any breach of secrecy owing to communication/documents being sent digitally. The Borrower shall verify the
 The Borrower shall not hold the Bank liable if any problem arises with his/their computer/mobile network. The Borrower understand and agree that the ema
WhatsApp number. The Borrower shall inform the Bank in writing if there is any change in his/their communication address. The Bank shall not be responsi
reasons. The Borrower undertakes to take all necessary steps to ensure confidentiality and secrecy of the login name and password of the internet / email a
13.9. The Borrower shall be responsible to ensure the authenticity, validity, or source of any instructions/documents and shall be liable if any instructions/docume
violation of borrower(s) registration on the national do not call registry.
13.10. The Borrower understands that
a) the Credit Information Bureau (India) Ltd. and any other agency so authorized may use, process the said information and data disclosed by
b) The Credit Information Bureau (India) Ltd. and any other agency so authorized may furnish for consideration, the processed information an
Reserve Bank of India in this behalf.

14. MISCELLANEOUS
14.1. SERVICE OF NOTICE
The addresses of the Parties shall be as mentioned under the Schedule II. The Borrower shall forthwith inform the Bank of change in address, if any. Any n
email, and sent on the address/`email address of the other Party as mentioned in the Schedule II (or in case to the Borrower, on the address of the Borrowe
All notices, requests, demands, waivers, or other communications (including customer Copy of Loan Agreement, Key Fact Statement, Welcome Letter etc.,
other communication will be deemed to have been duly given it: (a) delivered personally; (b) sent by registered mail with postage prepaid; (c) sent by next-d
full responsibility for the same. Borrower agrees to immediately intimate the Bank of any change in the postal address, email ID and acknowledges that the
14.2. SEVERABILITY
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 prov
remaining provisions hereof shall not be in any way affected or impaired thereby.
14.3. FORCE MAJUERE
The Borrower shall be liable to perform or fulfil its obligations at all point of time and shall not delay/postpone performance, its obligations in whole or in par
governmental or other statutory authorities.
14.4. BUSINESS CORRESPONDENT
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 o
14.5. WAIVER
Any failure and/or delay on the part of the Bank in exercising any right or power under this Agreement or documents in connection with this Agreement sha
the exercise of any other power or right. The rights and remedies of the Bank provided for in this Agreement are cumulative and not exclusive of any rights
14.6. GRIEVANCE REDRESSAL, GOVERNING LAW, JURISDICTION & ARBITRATION
I. In event of any grievances, the Borrower may approach the nodal officer of the Bank. The contact details of the nodal officer have been pro
II. The Parties agree that this Agreement shall be governed by the laws of India.
III. The Borrower hereby expressly agrees that all disputes arising out of and/or relating to this Agreement including any transaction document
a) below the pecuniary jurisdiction limit of the Debt Recovery Tribunals established under Recovery of Debts Due to Banks and
Arbitration and Conciliation Act, 1996 as may be amended, or its re-enactment, either through online dispute resolution mec
The award passed by the arbitrator shall be final and binding on the Parties. The costs of such arbitration shall be borne by t
Kolkata and/or such other place as may be notified at the sole discretion of the Bank.
b) above the pecuniary jurisdiction limit of the Debt Recovery Tribunals established under Recovery of Debts Due to Banks and
the courts/tribunals of the city in which the Branch/ Bank Outlet of the Bank is situated. Provided that to the extent allowed b

14.7. MODE O
a) The borrower is aware that this document is an electronic record in terms of Information Technology Act, 2000 and rules there under as app
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 a
c) The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed to and acc
Accept" or any similar icon/tab/option on the online system / Website / portal / platform of the Bank/Merchant/ its agent/ service provider/pa
Unique Identification Authority of India (UIDAI/Aadhaar Authority) or also biometric verification through UIDAI, and that there is no requirem
acknowledges that the execution of this Agreement would be complete only once the same is accepted by the Bank. The Bank shall be dee
Borrower and attaching therewith the copy of this Agreement. For the purpose of stamp duty, any writing on a stamp paper or franked page
this document.
d) The parties agree that either party may use a computer-based system to issue certain Confirmations and that each such Confirmation exec
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
this Agreement, each party expressly waives any right to raise any defense or waiver of liability based upon the execution of a Confirmation
e) 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.

IN WITNESS WHEREOF the Parties have caused this Agreement to be executed on Effective Date of Agreement Of Hypothecation.

SCHEDULE I

CONCEPTS & ILLUSTRATIONS ON DUE DATES AND SPECIFICATION OF SMA /NPA CLASSIFICATION DAT

(a) 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 o
(b) 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
due date fixed by the bank.
(c) Non-Performing Asset (NPA) - is a loan or an advance where.
(i) interest and /or instalment of principal remains overdue for a period of more than 90 days in respect of a term loan.
(ii) the account remains 'out of order' as indicated below in respect of an Overdraft/Cash credit (OD/CC).

(d) "First In First Out" (FIFO) - The relevance of ' First in First Out ' (FIFO) is in appropriation of payments into the borrowal account; The Principle of FIFO i.e
assumes that the oldest outstanding dues in the loan account needs to be cleared first. The FIFO method thus requires that what is due first must be paid b
towards principal instalment/interest/charges any payment being credited on or after 01.02.2021 in the loan account will be used to payoff the dues outstan
01.03.2021 will be Rs. X-Y. Additionally, an amount of Rs Z becomes due as on 01.03.2021. Now any payment partial payment into the account on or after
recovering dues of 01.02.201, the remaining amount will be treated as recovery towards due of 01.03.2021.
(e) Age of Oldest Dues - The age of oldest dues is reckoned in days from the date on which the oldest payment is due and continues to remain unpaid. In the
02.03.2021.
(f) Classification as Special Mention Account (SMA) and Non-Performing Asset (NPA) – Lending institutions will recognize the incipient stress in loan ac
as follows:

Loans other than revolving facilities Loans in the n

Basis for classification – Principal or interest payment or any other amount

SMA Sub-categories SMA Sub-categ
wholly or partly overdue

SMA-0 upto 30 days

SMA-1 More than 30 days and upto 60 days SMA-1

SMA-2 More than 60 days and upto 90 days SMA-2

(g) Out of Ord

(i)
(ii)

Illustrative movement of an account to SMA category to NPA category based on delay I non-payment of dues and subsequent up-gradation to Standard category at day end

Due date of Payment Payment Date Payment covers Age of oldest dues in days SMA/NPA Categor

01.01.2022 01.01.2022 Entire dues upto 01.01.2022 NIL

01.02.2022 01.02.2022 Partly Paid dues of 01.02.2022 1 SMA-0

01.02.2022 02.02.2022 Partly Paid dues of 01.02.2022 2 SMA-0

Dues of 01.02.2022 not fully paid

01.03.2022 01.03.2022 is also due at EOD 29 SMA-0
01.03.2022

Dues of 01.02.2022 fully paid, Due

for 01.03.2022 not paid at EOD 1 SMA-0
01.03.2022

No payment of full dues of

01.02.2022 and 01.03.2022 at EOD 31 SMA-1
03.03.2022

Dues of 01.02.2022 fully paid, Due

for 01.03.2022 not fully paid at EOD 1 SMA-0
1.03.2022

No payment of dues of 01.02.2022

01.04.2022 01.03.2022 and amount due on 60 SMA-1
01.04.2022 at EOD 01.04.2022
 No payment of dues of 01.02.2022 till
61 SMA-2
01.04.2022 at EOD 02.04.2022

No payment of dues of 01.02.2022 till

01.05.2022 90 SMA-2
01.05.2022 at EOD 01.05.2022

No payment of dues of 01.02.2022 till

91 NPA
01.05.2022 at EOD 02.05.2022

Fully paid dues of 01.02.2022 at

01.06.2022 01.06.2022 93 NPA
EOD 01.06.2022

Paid entire dues of 01.03.2022 &

01.07.2022 01.07.2022 62 NPA
01.04.2022 at EOD 01.07.2022

Paid entire dues of 01.05.2022 &

01.08.2022 01.08.2022 32
01.06.2022 at EOD 01.08.2022

Paid entire dues of 01.07.2022 &

01.09.2022 01.09.2022 1
01.08.2022 at EOD 01.09.2022

Paid entire dues of 01.09.2022 & Standard

01.10.2022 01.10.2022 0
01.10.2022 Overdues

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 pre
 Key Facts Stateme

Part 1 (Interest rate and fee

1 Loan proposal/ account No. 90017071106

2 Sanctioned Loan amount (in Rupees)

Disbursal schedule

3 1. Disbursement in stages or 100% upfront.

2. If it is stage wise, mention the clause of loan agreement having relevant details

4 Loan term (year/months/days)

5 (i) Instalment details

Type of instalments Number of EPIs

Monthly 18

5 (ii) Broken Period Interest

Interest rate (%) and type

6
(fixed or floating or hybrid)

7 Additional Information in case of Floating rate of interest : NA

Reference Benchmark Spread Final rate (%)

Benchmark rate (%) (B) (%) (S) R = (B) + (S)

8 Fee/ Charges

One-time/
Recurring

(i) Processing fees One-time

(ii) FG Insurance charges

(iii) HDFC Insurance charges

(iv) Valuation fees NA

(v) PDD One-time

(vi) Admin Fee One-time

(vii) Easy Buy Card

(viii) Other Charges One-time

(ix) Stamp Duty One-time

9 Annual Percentage Rate (%) (APR is annualized percentage interest rate, processing fees, other charges, and third-party products (i.e., aggregate of charges payable to Bank and pay

10 Details of Contingent Charges (in or %, as applicable)

(i) Penal charges, if any, in case of delayed payment

(ii) Other penal charges, if any

(iii) Foreclosure charges, if applicable

(iv) Charges for switching of loans from floating to fixed rate and vice versa

(v) Any other charges (please specify)

 Part 2 (Other qualitative in
1 Clause of Loan agreement relating to engagement of recovery agents

2 Clause of Loan agreement which details grievance redressal mechanism

3 Phone number and email id of the nodal grievance redressal officer

4 Whether the loan is, or in future maybe, subject to transfer to other REs or securitisation (Ye

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

Name of the originating RE, along with its funding proportion Name of the partner RE along with its proport

NA NA

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

1. 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

1. Details of LSP acting as recovery agent and authorized to approach the borrower
 Computations of APR for Two

Sr. Parameter
No.
1 Sanctioned Loan amount (in Rupees)

2 Loan Term (in years/ months/ days)

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

b) Type of EPI
Amount of each EPI (in Rupees) and
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments)

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

d) Commencement of repayments, post sanction

3 Interest rate type (fixed or floating or hybrid)

4 Rate of Interest

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

6 Fee/ Charges payable (in Rupees)

A Payable to the RE

B Payable to third-party routed through RE

7 Net disbursed amount

8 Total amount to be paid by the borrower

9 Annual Percentage Rate (%) (APR is annualized percentage interest rate, processing fees, other charges, and third-party products. (i.e., aggregate of charges payable to Bank and payable to third party) for the credit facili

10 Schedule of disbursement as per terms and conditions

11 Due date of payment of instalment and interest

Caveates:-

1. Disbursal Date, Loan Tenure, Pre-EMI amount, Insurance Fee, Processing Fee, Annual Percentage Rate (APR), stamp duty (wherever applicable) and Net Disbursal Am

2. If loan disbursal is between 1st to 10th of the month (M0), 1st EMI starts from immediate next month (M1), but if loan disbursal is after 10th of the month (M0), then 1st EM

3. Pre-EMI amount, if applicable, is computed from disbursal date till the commencement of the 1st EMI on pro-rata basis. Pre-EMI will be deducted from the disbursal amou
APR.

4. EMI will be due 3rd of every month.

5. Final Repayment schedule will be available post disbursal.

6. All charges and insurance excluding GST.

7. Borrower is aware that insurance is non-mandatory and offered only to customer who voluntarily choose to opt for the same and in case if the loan is cancelled, the insura
revoked by the said Insurance Company. Bank may receive the commission / fees for solicitation of insurance products (if any) and same will be available on Bank website
 Indicative Repayment S

Instalment Outstanding Principal (in

No. Principal (in Rupees)
Rupees)
1 61434 2856
2 58578 2915
3 55663 2975
4 52689 3036
5 49653 3098
6 46555 3161
7 43394 3226
8 40168 3293
9 36875 3360
10 33515 3429
11 30086 3499
12 26586 3571
13 23015 3645
14 19370 3719
15 15651 3796
16 11855 3874
17 7981 3953
18 4028 4028

Note -The above repayment schedule is indicative as is determined on the sanction date. Kindly note that it is subject to modification depending on the actual date of disbur
customer post disbursement.
Name of the Borrower Name of the Co-Borrower

Vikash Om

Signature of the Co-Borrower

Signature of the Borrower

Signed and Delivered by the within named IDFC First Bank Limited through its authorized official.