Loan Application Number : 0364073067

Date : 23 Oct, 2021

Personal Loan Agreement

Loan Details
Selected Loan Amount EMI Amount Tenure Net Disbursal Amount

74050 2829 36 Months 71000

Standard Deduction
(-) Processing Fee 2584

(-) GST 465.12

Customer Details
Name Date of Birth Mobile Number

Bhaskar G 4th October 1978 9880251234

Gender Marital Status PAN

Male Married AJIPG8535B

My personal email address is

[email protected]

Employment Status My work email address is Name of my company

Self Employed [email protected] GANESH MEDICAL

Residence Address Work Address Bank Account Details

No 10 Hegganahalli Main Road, GANESH MEDICAL, NO 53 Bank Name : BANK OF INDIA,

Bangalore North Peenya 2nd HEGGANAHALLI MAIN ROAD, Ac. No. : 843910310000036,
Stage, Bangalore, Near VISHWANEEDAM, NEAR BUS STOP, MICR Code: 560013040,
Ganesha Temple, BANGALORE, BANGALORE, KARNATAKA - 560091 IFSC Code: BKID0008439
KARNATAKA - 560091

Declaration

01. I/We wish to avail the banking facilities/products from IDFC FIRST Bank Limited ("IDFC FIRST Bank"), and have read, understood and
agree to the Terms and Conditions displayed on the website of IDFC FIRST Bank i.e. www.idfcbank.com, which may be amended by IDFC
FIRST Bank from time to time and hosted and notified on the website of IDFC FIRST Bank.
02. I/We declare that all the particulars and information given in the Application Form are true, correct, complete and up-to-date in all
respects and have not withheld any information whatsoever.
03. I/We confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or
pending against the Applicant(s) nor any action or any steps have been taken or legal proceedings started by or against the Applicant(s) in
any court of law/other authorities for winding up, dissolution, administration or re-organisation or for the appointment of a receiver,
administrator, administrative receiver, trustee or similar officer or for Applicant(s)' assets.
04. I/We declare that I/We have not made any payment in cash, bearer, cheque or kind along with or in connection with this Application
except for the application fees mentioned for or Processing fees or any other fees prescribed in the Application Form to the executive
collecting my/our application/and I/We/Applicant(s) shall not hold the Bank liable for any such payment made by us to the executive

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
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collecting this application.
05. I/We further declare and confirm that the credit facilities if any enjoyed by the Applicant(s) with other banks/financial institutions/non
banking finance companies has been disclosed hereinabove.
06. I / We agree that the Bank may at its discretion conduct discreet inquiries in respect of this application. I / We undertake to inform as to
any change in my / our occupation / employment, residential address and to provide any further information that the Bank may require.
Bank will be at liberty to take such action as it may deem necessary if my / our above statements are found to be untrue.
07. I/We understand and confirm that the Application Form and all other documents submitted by me/us to the Bank shall not be returned to
me/us and the Bank shall have the right to retain the same.
08. I/We are aware that submission of loan application to the Bank does not imply automatic approval of the Bank and that the Bank will
decide the quantum of the loan at its sole and absolute discretion, the Bank in its sole and absolute discretion may either sanction or reject
the application for granting the loan, in case of rejection the Bank shall not be required to give any reason. In the case of loan cancellation,
the applicable pro-rate interest charges on any outstanding loan amount will have to be borne by me/us.
09. I/We understand that Processing fees, stamp duty are non-refundable charges and would not be waived/refundable in case of loan
cancellation or where the loan has not been disbursed.
10. I/We have read the application form and brochures and are agreeable to all the terms/conditions of availing finance from the Bank. I/We
undertake to inform the Bank/its Group Companies/its Agents regarding the change in Applicant(s)' addresses and to provide any further
information that the Bank/its Group Companies/its Agents may require.
11. I/We agree that the Bank may provide the credit facilities mentioned herein only if permitted and if approved in the manner specified or
required by the Reserve Bank of India from time to time.
12. I/We have read, understood and agree to the charges/costs, mentioned in the extant Schedule of Charges. This Schedule of Charges is
also displayed on www.idfcbank.com.
13. I/We confirm that I/we shall not use the credit facility (or any part thereof) for any improper, illegal or unlawful
purpose/activities/speculative or antisocial purpose. I/We have been read out and explained in the language known to me/us, the contents of
the Application Form for availing the loan from the Bank and I/we have signed the said Application Form after having understood them and
by signing the same.
14. I/We hereby confirm that I/we am/are competent and fully authorised to give declaration, undertakings etc. and to execute and submit
this Application Form and all other documents on behalf of the Applicant(s) for the purpose of availing loan, creation of security and
representing generally for all the purposes mentioned/required to be done for these presents.
15. I/We hereby agree to abide by and be bound by all applicable rules/regulations/instruction/guidelines including but not limited to those
issued by the Reserve Bank of India, including the FEMA Regulations 2000 Governing EEFC Accounts, the Foreign Exchange Management
Act, 1999 and Foreign Account Tax Compliance Act, 2010 (to the extent applicable to India) and the Common Reporting Standards (CRS), in
force from time to time.
16. I/We confirm having declared our status as per the rules applicable under section 285BA of the Income Tax Act, 1961 (the Act) as notified
by Central Board of Direct Taxes (CBDT) in this regard.
17. I/We confirm that except to the extent disclosed to the Bank, no director or a relative (as specified by RBI) of a director of a banking
company (as specified by RBI) or a relative of a senior officer of the Bank (as specified by RBI) is - the applicant(s), or a partner, managing
agent, manager, employee, director of our concern, or of our subsidiary or our holding company, or a guarantor on my/our behalf, or holds
substantial interest in our concern or my/our subsidiary or holding company.
18. I / We am / are aware that if I / We opt for loan at floating rates of interest, the Equated Monthly Instalment will comprise Principal and
Interest based on IDFC First Bank's advance rate which is subject to change from time to time.
19. "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

Important Information

Loan Amount: As sanction and determined by credit appraisal process of the bank.
Processing Fees: As indicated in sanction letter
Rate of Interest: Rate of interest is determined by credit appraisal process of the bank.
Charges: Applicable charges as per the schedule of charges valid at the time of loan approval. These are available in Sanction letter
The risk gradation is based on inter alia the quantum and tenure of loan, the security offered by the customers, cost of funds and the credit

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
mobile number 9880251234 from IP Address 223.231.159.92
profile.
Loan agreement number will be generated post disbursal and will be available on statement of account.

Authorization cum Undertaking

01. I/We hereby authorize the Bank, without any notice to me to conduct credit checks, references, make enquiries, in its sole discretion and
also authorize the Bank and its agents to share and obtain information, records from any agencies, statutory bodies, credit bureau, bank,
financial institutions, or any third party in respect of the application, as it may consider necessary the Bank shall not be liable for use/
sharing of the information.
02. I/We authorize the bank and/ or its representatives, agents to communicate/ call/ SMS to me/ us with respect to this Application or any
other promotional activities. I/we would like to know as well avail the benefits of various the Bank loan offer schemes or loan promotional
activities or any other promotional schemes and hereby authorize the Bank, its employees, agents, representatives and associates to do so.
I confirm that laws in relation to the unsolicited communication referred in “national Do Not Call Registry” as laid down by Telecom
Regulatory of India will not be applicable for such communications/ calls/ SMSs received from the Bank, its representatives, agents. The
Bank reserves the right to retain the photograph and documents submitted with the Application and shall not returned back.
03. I/We authorize the Bank to finance me/us for the premium of any third-party product available with the Bank, taken by me/us as per
my/our own wish from the said third-party of my/our choice under the Loan and all the terms and conditions shall be additionally applicable
thereto. All expenses, charges, fees, taxes etc., as applicable on any such third-party product shall be incurred and paid by me/us, however,
in case I/we has availed such product, then Bank will not be responsible for any cancellations of any third-party product and or after sales
service.
04. I/We hereby authorize the bank to pay the fee and other amounts as may be payable directly to the institution concerned.
05. I/We undertake to submit the receipt for all the disbursements made from the loan account.
06. I /We will procure and furnish the securities in favour of bank as and when stipulated and in the form and manner to the satisfaction of
the bank.
07. I/we authorize the Bank to submit application/other relevant documents submitted by me to CERSAI. I/we hereby provide my consent to
receive information from Central KYC Registry or from UIDAI through SMS/mail on the above registered number/email address.
08. I/We authorize IDFC FIRST Bank to exchange, share or part with all the information provided herein with financial
institutions/agencies/statutory bodies/ other such persons, as may be required by IDFC FIRST Bank. I/We shall not hold IDFC FIRST Bank or
its agents/representatives liable for using/sharing such information.
09. I/We explicitly consent and authorize IDFC FIRST Bank Limited, it's associate companies, agents, agencies, partners, educational
institutions, credit reporting agencies and any other entity to verify any information such as enrolment verification, residence verification,
employment verification, telephone verification, Credit Bureau check, document verification, reference checks etc., and also exchange,
share, part with all information related to transaction history as may be required by law, customary practice, credit reporting, statistical
analysis and credit scoring for verification or risk management and shall not hold IDFC FIRST Bank Limited liable for use or disclosure of this
information.
10. I hereby consent to receive information about my loans and offers on WhatsApp on my registered number.
11. I recognize my responsibility to ensure timely repayments of the emi’s at all point in time of the tenor of the loan.
12. I would honor the SI at all times.
13. In the event of issuing fresh repayment instrument, I will continue to honor contractual obligations till loan closure.
14. I recognize that the bank has all rights to proceed with all legal measures if the SI is dishonoured for whatsoever reasons, including
encashing / presenting the SI for the full balance value of the loan.

Sanction Letter

Date: 23, October 2021

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
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Name and Address of the Borrower
Bhaskar G
No 10 Hegganahalli Main Road, Bangalore North Peenya 2nd Stage,
Bangalore, Near Ganesha Temple,
BANGALORE, KARNATAKA - 560091
Reference application dated, 23, October 2021 to IDFC FIRST Bank Ltd, a Company incorporated under the Companies Act, 1956, having its
registered office at KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai – 600031 referred to “the bank” which shall include its
successors in interest or assigns for sanction of a personal loan

Dear Bhaskar G
Thank you for choosing us as your financial service partner. It gives us great pleasure to welcome you as a member of the bank family.
Pursuant to your application, the bank is pleased to sanction you a Loan subject to the following terms and conditions.

Loan Amount (in INR) 74050

Rate of Interest (Flat) 12.5%
Rate of Interest (Reducing) 22.03%
Product Personal loan
Tenure(in months) 36 months
EMI Amount (in INR) 2829
Mode of Payment Auto Debit
Upfront Processing Fee (in INR) 2584
SGST (in INR) 232.56
CGST (in INR) 232.56

Following charges are applicable on your loan

EMI Bounce charges per presentation 400 Exclusive of GST

2% per month (Exclusive of GST) of the unpaid EMI or Rs 300

Late payment/Penal charges/ Overdue interest (per month)
(Exclusive of GST) whichever is higher

Cheque Swap charges (per swap) 500 Exclusive of GST

Rs. 10000 exclusive of GSTwithin 30 days of disbursement or

Cancellation/Rebooking charges 1st EMI presentation whichever is earlier cancellation will be
treated as foreclosure

Processing fees Up to 3.49% of the total loan amount (Exclusive of GST)

The Bank may, at its sole discretion and on such terms as to

foreclosure fees, etc., as it may prescribe from time to time,
permit foreclosure of the loan at the request of the Borrower
subject to the applicable laws and if permitted by the Bank, the
Foreclosure / Prepayment charges Borrower shall pay to the Bank such Foreclosure charges
mentioned in the Annexure, as amended from time to time.
Provided that the Borrower shall not have a right to foreclose
the Loan upto the date of payment of 12 EMIs commencing
from the repayment of the Loan.

Part Payment charges Part Payment is not allowed.

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
mobile number 9880251234 from IP Address 223.231.159.92
 Duplicate No Objection Certificate Issuance Charges 500 Exclusive of GST

Physical Repayment Schedule 500 Exclusive of GST

Physical Statement of Account 500 Exclusive of GST

Document retrieval charges (per retrieval) 500 Exclusive of GST

Stamping Charges As per actuals

EMI Pick up/ Collection Charges 350 Exclusive of GST

Note: Taxes as applicable by the Government from time to time.

From the date of first disbursement, customer will be required to pay Pre-EMI interest (at the rate applicable to loan) till the time the loan is
fully disbursed .Pre-EMI(if any) will be deducted from the disbursed amount and subsequent to that your EMI payments will begin.
Please note that one time processing fees, advance EMI and such other deduction including but not limited to deductions as applicable and
appropriate towards previous outstanding & other dues of existing loan, if any, which are closed pursuant to this personal loan will be
deducted upfront the Loan Amount.
As per the Agreement, the Borrower’s outstanding balance shall be payable by the Borrower to the bank on demand. the bank may at any
time, as its sole discretion, and without assigning any reason, recall the said Loan or call upon the Borrower to pay the Outstanding Balance
without any delay, demur or protest.
We assure you of our best services at all times.
I/We understand and confirm that the section of the Personal Loan shall be at the sole discretion of the bank. I/We understand that upon
acceptance of this sanction letter and consequent disbursement of the loan amount by the bank. I/We shall be bound by the Agreement.
Name of the Borrower : Bhaskar G
*Any changes to the schedule of charges/terms of Agreement pursuant to changes in applicable laws/rules/regulations/market forces will be
available with any outlet of the bank. The above information is applicable only in case of successful loan disbursal.

Terms & Conditions Applicable to Personal Loan

The person(s) named in the Schedule hereto (hereinafter referred to as the “Schedule”) being borrowers, hereinafter collectively referred to
as “Borrower” which expression shall, unless it be repugnant to the context or meaning thereof be deemed to mean and include his/her
heirs, administrators and executors.
In favour of:
IDFC FIRST Bank Ltd, a Company incorporated under the Companies Act, 2013 and a banking company within the meaning of the Banking
Regulation Act, 1949 having its registered office at IDFC FIRST Bank Ltd address KRM Tower, 7th Floor, No.1, Harrington Road, Chetpet,
Chennai - 600031 and a branch office in India at the address mentioned in the Schedule, hereinafter referred to as “The Bank” (which
expression shall, unless repugnant to the context or meaning thereof, shall be deemed to mean and include its successors, transferees and
assigns). In case of there being more than one Borrowers, the reference to the term “Borrower” shall be deemed to be as if it were plural
and this document shall be read accordingly as if made and liabilities undertaken by each of them jointly and severally. Reference to the
masculine gender includes reference to the feminine and neuter genders and vice versa.
The Borrower hereby irrevocable and unconditionally agree to abide by the following terms and conditions: -
1. Pursuant to the application made by the Borrower in the Loan Application Form (“Application”), the Bank has sanctioned the loan not
exceeding the amount mentioned in the Schedule hereto(hereinafter referred to as “Loan”), and the Borrower agrees to borrower the
same, subject to and upon the terms and conditions contained in the Application and/or this document. The Bank may disburse the
Loan or any part thereof (“Disbursement”) at its own discretion. Notwithstanding anything contained herein (i) The borrower is aware
that if disbursement / further drawdown is not accepted or not enchased by the borrower/previous financier within the period of 90
days then Bank shall be entitled to the following:- a)The Bank shall have the right to recall the credit facility or stop further
drawdown/disbursement. b) The BT Cheque or DD issued in the name of previous financier/Borrower shall be cancelled .c) The
undrawn/ uncashed amount by the borrower/previous financier shall be adjusted towards Principal outstanding as part prepayment of
the loan amount, by giving effect to the EMI in the Loan and keeping the loan tenor constant. d)Part payment charges won’t be levied
on aforementioned adjusted amount. e)Revised loan repayment schedule shall be assigned to the borrower. f) Borrower won’t be
entitled for refund of any processing fees, service charge and /or other charges/fees/costs(if any). All these charges (if applicable)
would be payable to the Bank whether or not the Credit facility has been drawn by the borrower. (ii)The borrower is aware that BT

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
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 Cheque OR DD will be reissued within the span of 90 days of disbursement only if the said Cheque or DD is mutilated or has spelling
error or for any reason is not acceptable by the previous financier shall be adjusted towards Principal outstanding as part prepayment
of the loan amount, by giving effect to the EMI in the Loan and keeping the loan tenor constant. d)Part payment charges won’t be
levied on aforementioned adjusted amount. e)Revised loan repayment schedule shall be assigned to the borrower. f) Borrower won’t
be entitled for refund of any processing fees, service charge and /or other charges/fees/costs(if any). All these charges (if applicable)
would be payable to the Bank whether or not the Credit facility has been drawn by the borrower. (ii)The borrower is aware that BT
Cheque OR DD will be reissued within the span of 90 days of disbursement only if the said Cheque or DD is mutilated or has spelling
error or for any reason is not acceptable by the previous financier(iii) The Bank may not disburse at any time, any amount under the
Loan unless the following conditions are complied with in the sole discretion of the Bank: (i) This Agreement is duly executed and
delivered to the Bank by the Borrower; ii) The Borrower’s submission to the satisfaction of the Bank of a certificate of employment
from his employer and his financial statements; iii) The Borrower’s submission to the Bank, post-dated cheques towards repayment
instalments; and iv) Any other document or writing as the Bank may require in its sole discretion. v) The Borrower(s) having furnished
such Security as may be required by the Bank, as more specifically detailed in the annexure, in a form and manner satisfactory to the
Bank.
2. The Loan, interest, additional interest, default interest any other charges, dues and monies payable, costs and expenses reimbursable
as outstanding from time to time and whether any of them due or not, are hereinafter collectively referred to as “Outstanding
Balance”. The Borrower shall pay interest on the Loan, the unpaid due interest and all other outstanding charges and monies (except
the default interest), at the rate of interest specified in the Schedule hereto, on the outstanding daily balance from the date of
disbursement, compoundable at monthly rests. The Bank in its sole discretion would be entitled to change the said rate interest from
time to time including on account of changes made by the Reserve Bank of India, which would be intimated to the Borrower(s) and
would be binding upon the Borrower(s). The Borrower shall also pay and bear all interest tax, if any, as applicable from time to time.
The Borrower (s ) shall repay the Loan and pay the interest that is due from time to time by way of equated monthly instalments
(EMIs) as specified or as may be specified by the Bank from time to time(time being the essence of the contract). The Borrower has
perused, understood and agreed to the Bank’s method of calculating EMI’s as also the appropriation thereof into principal and interest.
The payment of all the monies by the Borrower including EMI’s shall be made on or before the respective due dates, at such place as
the Bank may require, without any set-off or counterclaim or withholding or deduction(save as required by law in which case the
amount payable by the Borrower to the Bank shall be increase to the amount which after making such deduction or withholding
equals the original due amount as if no withholding or deduction were required), by way of one or more modes and instruments
including post-dated cheques “PDCs”), Standing Instructions(SI)/Electronic Clearing System(ECS) instructions/other mode/instrument,
as acceptable to the Bank from time to time. If any due date fall on a non-business day of the Bank, the payment shall be made by
the Borrower on the immediate preceding business day of the Bank. In case of cheques/other instrument, the payment shall be
deemed to have been made by the Borrower only at the point of time the sum is credited and realized fully in the Bank’s account
irrespective of the date of instrument or time of receipt or presentation of instrument. In case of any default, the Borrower shall
without prejudice to the Bank’s right and remedies, pay additional/default interest at the rate mentioned in the Schedule
hereto/Application or as may be prescribed by the Bank., over and above the then applicable rate of interest till full payment is
made/default is cured. This liability shall not act as justification for any default.
3. The Borrower(s) shall pay to the Bank, the charges, fees, commissions, etc., specified on the Schedule hereto/Application or as
specified by the Bank from time to time, within such time or upon occurrence of such events as specified and if not specified then
forthwith upon demanded by the Bank. All other present and future costs and expenses, taxes9 as applicable form time to time), any
related levy, stamp duty, in all jurisdictions, in relation to this/other documents/any transaction pursuant thereto, irrespective of who
the beneficiary is, shall be borne and payable solely by the Borrower, including for creation, enforcement, preservation of security,
recovery, initiation/defending/pursuing any legal proceedings/action by the Bank. In case of any such sums if paid or incurred by the
Bank, the Borrower shall be liable to reimburse the same to the Bank in full forthwith.
4. Any Payments made by/on behalf/for the Borrower or any realizations in relation to the Loan, security, shall be appropriated towards
the Outstanding Balance and /or Liabilities (as defined hereinafter) in the following order: (a) Firstly, towards costs and expenses
incurred by the Bank; (b) Secondly, towards any charges, commissions, fees, taxes, levies (wherever applicable); (c) Thirdly, towards
additional/default interest; (d) Fourthly, towards interest; (e) Fifthly, towards principal amount(s). Any statement of account furnished
by the Bank shall be accepted by and be binding on the Borrower(s) and shall be conclusive proof of the correctness of the amounts
mentioned therein except for any manifest error therein.
5. The Borrower who are liable to deduct the TDS, must pay TDS as per applicable rate for the interest and fees being paid to the Bank.
Borrower must deposit the TDS amount so due into the government account within the due date prescribed. Once returns are filed,
borrower must submit request letter along with TDS certificates in Form 16A generated from the income tax website to the Bank.
Original TDS certificate should be submitted for claiming the refund.
6. The Borrower confirms that the Goods and Service Tax Identification Number (GSTIN) (if applicable) provided in the application form/
declaration is true and correct. The Borrower agrees and undertakes that the applicable tax rate will be determined using the
information provided by the Borrower and the input tax credit (ITC) will be available to the Borrower (if applicable) based on the
GSTIN and the related information/details provided by the Borrower in the application form/ declaration. The Borrower further agrees
and undertakes that the Borrower shall not hold the Bank Limited liable for any loss of ITC arising due to incomplete, erroneous or
wrong details pertaining to GST provided by the Borrower in the application form/ declaration. The Borrower also further agrees and
undertakes that if the Borrower fails to furnish GSTIN, then the Borrower shall be treated as unregistered for Gods and Service Tax

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
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 (GST) purpose and no credit of GST will be provided to the to the Borrower.
7. Notwithstanding anything stated in any document, the continuation of the Loan shall be at sole an absolute discretion of the Bank and
the Bank at any time in its sole discretion and without assigning any reason call upon the Borrower to pay the Outstanding Balance
and upon such demand by the Bank, the Borrower shall, within 48 hours of being so called upon, pay the whole of the Outstanding
Balance to the Bank without any delay or demur.
8. The Bank may at its own discretion and upon Borrower’s request, also finance the Borrower for the insurance premium of insurance
policy taken by Borrowers as per Borrower’s own wish from any insurance company of Borrower’s choice, which sum(s) shall be
added to the principal amount under the Loan and all the terms and conditions shall be additionally applicable thereto. All expenses,
charges, fees, taxes etc., as applicable on any such insurance shall be incurred and paid by the Borrower, however, in case paid by
the Bank on Borrowers behalf, the Borrower shall reimburse the same to the Bank within 24 hours of the Bank’s demand. The
Borrower shall instruct the insurance company to add the Bank as loss payee in any such insurance policy.
9. The Borrower shall furnish and create such security from time to time in favour of or for the benefit of the Bank, of such value, in such
form and in such manner, as may be deemed fit by the Bank, forthwith upon so required by the Bank. the Bank shall also have the
right to stipulate any other and further terms and conditions that it may deem fit at any time prior to or after the grant of the Loan;
which shall be binding on the Borrower.
10. Each of the Borrowers represent(s) and warrant(s) that (which shall be deemed to have been repeated to the Bank on the date of
Disbursement and on each date thereafter till entire repayment) : (a) The Borrower is a citizen of India and a major (in terms of age)
and is of sound mind and is competent to contract and enter into and perform his/her obligations contemplated under this
document/other document/in respect of the Loan; (b) There is no impediment or restriction, whether under law, judgment, order,
award, contract or otherwise, for any of the Borrowers entering into and/or performing any of the transactions contemplated by
this/other documents/in respect of the Loan and all approvals and consents, wherever necessary have been duly obtained and are and
will continue to be in full force; (c) The execution hereof constitutes legal, valid and binding obligations of the Borrower. (d) That there
is no Event of Default existing; (e) All declarations made by Borrower are true and complete and no material information has been
suppressed /withheld. (e) The Borrower(s) agree that if there are two or more Borrower(s), the Borrower(s) liabilities under this Loan
terms and conditions shall be joint and several.
11. The Borrower agree that all amounts payable by the Bank and/or Borrower to the Bank shall be payable and be paid at the branch
location or such other place where the Bank operates and the same to be decided by the Bank at its discretion and all the terms and
conditions so far as a possible shall be per formed and carried out at the location.
12. Negative Covenants : The Borrower covenants and agrees that, save and except with the prior, specific and express written consent
of the Bank, the Borrower shall not ; (a) create, assume or incur any further indebtedness to any person; or lend or advance any
amounts to any person; or undertake any guarantee or security obligations; (b) except in favor of the Bank, sell, license, let lease,
transfer, alienate, dispose of in any manner whatsoever, surrender or otherwise encumber any of its assets, rights, title or interest,
receivables, or any part thereof; or create, facilitate or permit to exist any charge, encumbrance or lien of any kind whatsoever over
any of its property or grant any option or other right to purchase, lease or otherwise acquire, any such assets or part thereof; (c)
permit of effect any direct or indirect change in the legal of beneficial ownership or control; (d) Change /cease/retire
from/terminate/resign from the present employment/profession /business disclosed in the Applications; or change, terminate or open
any bank account.
13. The following events shall constitute events of default (each an “Event of Default”), and upon the occurrence of any of them the entire
Outstanding Balance shall become immediately due and payable by the Borrower and further enable the Bank inter alia to recall the
entire Outstanding Balance and/or enforce any security and transfer/sell the same and/or take, initiate and pursue any
actions/proceedings as deemed necessary by the Bank to recovery of the dues; (a) Failure on Borrower’s part to perform any of the
obligations or terms or conditions or covenants applicable in relation to the Loan including under this/other documents including non –
payment in full of any part of the Outstanding Balance when due or when demanded by the Bank; (b) any misrepresentations or
misstatement by the Borrower; or (c) occurrence of any circumstance or event which adversely affects Borrower’s ability/capacity to
pay/repay the Outstanding Balances or any part thereof or perform any of the obligations; (d) if any attachment, distress, execution or
other process against the Borrowers/its assets or any of the security is threatened, enforced or levied upon by any person; or (e) fall,
reduction or decrease, in the opinion of the Bank, in values of any security lower than the values required by the Bank; (f) the event of
death, insolvency, failure in business, commission of an act of bankruptcy of the Borrower, or change or termination of
employment/profession/business for any reason whatsoever.(g) if the loan amount is used for investment made in shares, debentures,
advances and inter-corporate loans/deposits to other companies (including subsidiary companies) (g) if the loan amount is used for
investment made in shares, debentures, advances and inter-corporate loans / deposits to other companies (including subsidiary
companies).
14. Notwithstanding anything to the contrary in this document or any other document or any other document/arrangement : (i) in respect
of all and any of Borrower’s present and future liabilities to the Bank, its affiliates, group entities, associate entities, parent,
subsidiaries, any of their branched (collectively “Relevant Entities”), whether under this document or under any other obligation/loan
facilities/borrowing/document, whether such liabilities are/be crystallized, actual or contingent, primary of collateral or several or
jointly with others, whether in same currency or different currencies, whether as principle debtor and/or as guarantor and/or
otherwise howsoever (collectively “Liabilities”), each of the Bank and the Relevant Entities shall in addition to any general lien or
similar right to which any of them as bankers may be entitled by law, practice, custom or otherwise, have a specific and special lien
on all the Borrower’s present and future stocks, shares, securities, property, book debts, all moneys in all accounts whether current,

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
mobile number 9880251234 from IP Address 223.231.159.92
 savings overdraft, fixed or other deposits, held with or in custody, legal or constructive, with the Bank and/or any Relevant Entities,
now or in future, whether in same or different capacity of the Borrower, and whether severally or jointly with others, whether for any
banking relationship, safe custody, collections, or otherwise whether in same currency or different currencies; and (ii) separately,
each of the Bank and the Relevant Entities shall have the specific and express right to, without notice to and without consent of the
Borrower, set – off, transfer, sell realize, adjust appropriate all such amounts in all accounts (whether prematurely or upon maturity as
per the Bank’s discretion), securities, amounts and property as aforesaid for the purpose or realizing or against any of dues in respect
of any of the Liabilities whether ear- marked for any particular Liability or not, combine or consolidate all or any of accounts of the
Borrower and set- off any monies, whether of same type or nature or not and whether held in same capacity or not including upon
happening of any of the events of default mentioned in any of the documents pertaining to the respective Liabilities or upon any
default in payment of any part of any the Liabilities. (iii) the Bank and the Relevant Entities shall be deemed to have and hold and
continue to have first charge on any assets including on any assets including any deposit on which security has been/will be created
in respect of the Loan, as security also for any of the other Liabilities and all the rights and powers vested in the Bank in terms of any
security or charge created for the Loan shall be available to the Bank and/or the Relevant Entities also in respect of such other
Liabilities, irrespective of the fact whether the Loan is at any time outstanding, repaid or satisfies or not and even after the Loan has
been repaid or prepaid.
15. The Bank shall at any time, without any consent of or notice to the Borrower (s) be entitled to securitize, sell assign, discount or
transfer all or any part of the Bank’s rights and obligations under the Loan, this document or any other document, to any person (s)
and in such manner and on such terms as the Bank may decide. Borrower shall not be entitled to directly or indirectly assign or in any
manner transfer, whether in whole or part, any rights, the benefit or obligation under the Loan, this / other document.
16. The Bank shall also be entitled to communicate in any manner it may deem fit, to or with any person or persons including guarantors,
person giving reference to loan, with a view to receiving assistance of such person or persons in recovering the defaulted amounts
including but not limited to visiting the property and/or any place of work of the Borrower.
17. The Bank shall be entitled at its discretion to engage/avail of, at the risk and cost of the Borrower, services of any person/third party
service provider/agent/ agency, for anything required to be done for/in relation to/pursuant to the Loan, including collections,
recovery of dues, enforcement of security, getting or verifying any information of the Borrower/assets, and any necessary or
incidental lawful acts /deeds/matters and things connected thereto, as the Bank may deem fit.
18. Except to the extent disclosed to the Bank: (i) all the Borrower’s contracts or agreements with, or any commitments to, any affiliates
or group companies (if applicable) are on arms’ length basis; (ii) (a) where the Borrower is an individual, he/ she is not a director or
specified near relation of a director of a banking company; (b) where the Borrower is a partnership firm/HUF/limited liability
partnership firm, none of the partners or members of the HUF is a director or specified near relation of a director of a banking
company; and (c) where the Borrower is a joint stock 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 individual, that he/ she is not a specified near relation to any senior
officer of the Bank, (b) where the Borrower is a partnership firm/HUF/ limited 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) where the Borrower is a joint stock
company, none of its directors, is a specified near relation of any senior officer of the Bank. The Borrower agrees that the bank has an
unconditional right to revoke and/or recall the entire loan facility if the disclosure as mentioned in this clause is found to be false.
19. The Borrower shall ensure that neither the Borrower nor any director/partner/member of the Borrower has been declared a willful
defaulter; in case any director/partner/member has been declared as a willful defaulter, the Borrower shall take expeditious steps for
removal of such person.
20. Borrower understands and acknowledges that there are inherent risks involved in sending the
instructions/communications/documents to the Bank via electronic mode viz., emails, SMS, etc., and hereby agree and confirm that all
risks shall be fully borne by him and he assumes full responsibility for the same. He will not hold the Bank liable for any losses or
damages including legal fees arising owing to any miscommunication or technological error beyond the control of the Bank. Borrower
shall be responsible to ensure the authenticity, validity, or source of any instructions/documents and shall be liable if any
instructions/documents turned out to be unauthorized, erroneous, or fraudulent.
21. DISCLOSURE/SHARING OF INFORMATION
1. In the Event of Default, the Bank/IDFC First shall also be entitled to communicate in any manner it may deem fit, to or with any
person or persons including guarantors, person giving reference to loan, with a view to procure assistance of such person or
persons in recovering the defaulted amounts including but not limited to visiting the property and/or any place of work of the
Borrower.
2. The Bank will limit the collection and use of customer information only on a need-to-know basis to deliver better service to the
customers. The Bank may use and share the information provided by the Customers with its Affiliates and third parties for
providing services and any service-related activities such as collecting subscription fees for such services and notifying or
contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to
disclose the customer information to one or more agents and contractors of the Bank and their sub-contractors, but such
agents, contractors, and sub-contractors will be required to agree to use the information obtained from the Bank only for these
purposes. The customer authorizes the Bank to exchange, share, part with all information related to the details and transaction
history of the customer to its Affiliates/ other banks/ financial institutions/ credit bureaus/ agencies/ participation in any
telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical
analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not hold the Bank liable

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
mobile number 9880251234 from IP Address 223.231.159.92
 for use or disclosure of this information also the customer consents to receive information about new products, offers,
promotions, receive communications, notices, and other information from the Bank and its agents/service providers/partners
etc.(whether through SMS, emails, phone call, automated phone calls or by any other means . The Bank values your
relationship and will at all times strive to ensure your privacy.
22. Force Majeure - 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 part, even on the ground of any force majeure event such as acts of God, floods, cyclones,
explosion, earthquakes, epidemics, diseases, accidents, fires, wars, riots, strikes, lockouts , orders of governmental or other statutory
authorities, national emergency, terrorist attacks or any other similar causes.
23. The Bank shall have the right to not return the Application, the photographs, information and documents submitted by the Borrower.
the Bank shall, without notice to or without any consent of the Borrower, be absolutely entitled and have full right, power and
authority to make disclosure of any information relating to Borrower including personal information, details in relation to documents,
Loan, defaults, security, obligations of Borrower, to the Credit Information Bureau of India (CIBIL) and/or any other governmental /
regulatory / statutory or private agency/entity, credit bureau, RBI, the Bank’s other branches/subsidiaries/affiliates/rating agencies,
service providers, other banks/financial institutions, and third parties, any assigns/potential assignees or transferees, who may need
the information and may process the information, publish in such manner and through such may be deemed necessary by the
publisher/the Bank/RBI, including publishing the name as part of willful defaulter’s list from time to time, as also use for KYC
information verification, credit risk analysis, or for other related purposes. In this connection, the Borrower waives the privilege of
privacy and privity of contract. the Bank shall have the right, without notice to or without any consent of the Borrower, to approach,
make enquires, obtain information, from any person including other banks/finance entities/credit bureaus, Borrower’s employer/family
members, any other person related to the Borrower, to obtain any information for assessing track record, credit risk, or for
establishing contact with the Borrower or for the purpose of recovery of dues from the Borrower.
24. Any notice, approvals, instructions, demand and other communications(including customer copy of Loan Agreement, Key Fact
Statement, Welcome letter, loan transaction documents etc., in reference to this Agreement given or made by the Bank shall be
deemed to be duly given and served if send by Normal post, courier, registered post, facsimile electronic mail, personal delivery, SMS
,instant messaging app or by pre-paid registered mail addressed to the Borrower’s address, phone/ mobile number, fax number or
email as given in the Applications (or at the address changed on which the Bank’s acknowledgment is duly obtained as hereinafter
mentioned) such notice and service shall be deemed to take effect on the third working day following the date of posting thereof in
case of normal post, courier, registered post, at the time of delivery if given by personal delivery, upon receipt of a transmission
report if given by facsimile, upon sending the electronic mail or SMS if given by electronic mail or SMS. The Borrower always
undertakes to keep the Bank informed in writing of any change in the mailing address, email id, phone and mobile number (s) as
provided in the Applications and to obtain the Bank’s written acknowledgment on the intimation given to the Bank for any such
change.
25. Borrower understands and acknowledges that there are inherent risks involved in sending and receiving
instructions/communications/documents via electronic mode viz., emails/ SMS/WhatsApp messaging services etc., and hereby agree
and confirm that all risks shall be fully borne by him and he assumes full responsibility for the same. He will not hold the lender liable
for any losses or damages including legal fees arising owing to any miscommunication or technological error beyond the control of the
lender.
26. IDFC FIRST Bank shall not be liable or responsible for any breach of secrecy owing to communication/documents being sent digitally.
Borrower shall verify the authenticity of the emails, instant messaging app etc., and shall not hold the Bank responsible for any
statements received from frauds / imposters. Borrower shall not hold the Bank liable if any problem arises with his/their
computer/mobile network. Borrower understand and agree that the email statements, SMS, documents, communications will only be
sent to the first holder of either registered email id/registered Cell No/registered WhatsApp number. Borrower shall inform the Bank in
writing if there is any change in his/their communication address. The Bank shall not be responsible incase if the Borrower’s do not
receive the statements due to incorrect communication address provided by Borrower or due to technical reasons. Borrower
undertakes to take all necessary steps to ensure confidentiality and secrecy of the login name and password of the internet / email
account.
27. Borrower shall be responsible to ensure the authenticity, validity, or source of any instructions/documents and shall be liable if any
instructions/documents turned out to be unauthorized, erroneous, or fraudulent nor will any such communication amount to spam,
unsolicited communication or a violation of borrower(s) registration on the national do not call registry.
28. GOVERNING LAW AND JURISDICTION
1. This Agreement shall be governed by and interpreted in accordance with the laws of India.
2. The Parties hereto unconditionally submit to the exclusive jurisdiction of the courts and tribunals in place in India where the
branch of the Lender disbursing the Loan is situated, for the determination of any matters arising out of or under this
Agreement. Provided that nothing stated herein shall (and/or shall be construed so as to) limit the right of the Lender to initiate
proceedings against the Borrower or Guarantor, or both, in any other court of competent jurisdiction and nor shall the initiation
of the proceedings in any one or more jurisdictions by the Lender preclude the taking of the proceedings by the Lender in any
other jurisdiction (whether concurrently or not).
3. The Lender is entitled to effect personal service on the Borrower of any writ, summons or other process or document by leaving
it at or sending it by ordinary post to the Borrower’s mailing address specified in this Agreement. The Borrower agrees that
such process is deemed validly served on the Borrower immediately, if so left, or on the day immediately following the date of

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
mobile number 9880251234 from IP Address 223.231.159.92
 delivery, if sent by post and that the Borrower is/shall be deemed to have sufficient notice of such process.
29. This document, Application and other documents have been explained to the Borrower in the language known to the Borrower and
the Borrower has read and understood the same. The Borrower has affixed their signature after verifying and understanding the
contents of this document at the end of the schedule.
30. The Borrower unconditionally consent and authorizes the Bank to raise debits for such amounts as may be calculated by the Bank
from time to time and undertake to maintain sufficient balances to cover the Loan Repayment Dues (and charges, if any) on the
stipulated due dates. Borrower is aware that failure to repay loan amount through these instruction shall be treated as a default in
repayment of dues and all charges /penalties /levies as covered by the agreement will hold good towards the non-payment of
obligations The Borrower further undertakes that in the event of the above account getting closed / transferred for any reason, the
Borrower shall intimate to the Bank the new account opened with the bank to debit the Loan Repayment amounts as per the
agreement. Borrower also undertakes the responsibility to provide the fresh set of Mandate and security PDC's for such new account,
as per terms of the agreement in lieu of existing instructions.
31. The borrower is aware that this document is an electronic record in terms of Information Technology Act, 2000 and rules there under
as applicable to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is
generated by a computer system and does not require any physical signatures.
32. Electronic communications shall be deemed to have been received by borrower when we send the electronic communication to the
email address / mobile number / details provided by borrower or any other third party. Borrower undertakes that he will not hold Bank
or Banks business partners/ service providers/ authorized third parties responsible for any such communications received from Bank/
its business partners/ service providers/ authorized third parties, nor will any such communication amount to spam, unsolicited
communication or a violation of borrower(s) registration on the national do not call registry.
33. The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed to
and accepted and delivered all the terms and conditions contained in Clauses 1 to 33 (including sub clauses), schedule of charges,
Standing Instruction (collectively, "Loan Documents") online by ticking / clicking / checking the "I Agree" or "I Agree and
Accept" or any similar icon/tab/option on the online system / Website / portal / platform of Merchant/ its agent/ service
provider/partners as well as by entering the one time password ("OTP") provided to the Borrower's mobile number registered with
the Bank, and that there is no requirement of Borrower's any other signature or physical signature on the Loan Documents or of the
Borrower signing the Loan Documents in physical form. The Borrower also acknowledges that the execution of the agreement would
be complete only once the same is accepted by the Bank. The Bank also does not require to sign the Loan Documents in any physical
form. The Bank shall be deemed to have accepted and signed this document online by way of sending an email/ letter through its
officer to the Borrower and attaching therewith the copy of this document. For the purpose of stamp duty, any writing on a stamp
paper or franked page associating the stamp paper or such franked page with this document will be as good as making the stamp
paper/franked page an integral part of this document.
34. I hereby consent to receive information about my loans and offers on WhatsApp on my registered number.

Declaration Third Party Products

1. I/We request IDFC FIRST Bank Limited (“the Bank”) to provide us a loan for the Membership/Insurance charges of ICICI Lombard
General Insurance Co. Ltd., Future Generali and/or charges for the services provided by Credit Vidya etc., (hereinafter referred as
“Service Providers”), and hereby authorize the Bank to deduct the said charges from the Loan amount and pay the amount to ICICI OR
Future Generali and/or Credit Vidya OR as may be applicable.
2. I/We further understand that the aforementioned services are been offered to me/us by the aforesaid Service Providers and the Bank
shall not be responsible in any way with regard to the services provided or any other terms and conditions of the insurance
policies/products/facilities availed by me/us from the said service providers.
3. I/We hereby undertake that the Bank or any of its directors/employee/agents/affiliates shall neither be held responsible for any
damages or claims on account of aforementioned services or on account of simulated range of credit score not being the same or
similar to the actual credit score nor shall hold the Bank or any of its directors/employee/agents/affiliates for any damages suffered by
me/us on account of any financial decisions taken by me/us or anyone on my/our behalf on the basis of the interpretation, if any of the
estimated credit score.
4. I/We, hereby declare that I/We have read all the Features, Benefits, Exclusions and Claim Process of the aforementioned products/ and
have voluntarily opted for the same. I/We are aware that in Case of non-disclosure of material facts or fraud, there would be no refund
of premium paid.
5. I/We agree to abide by the Terms & Conditions of the products/policies and provide my consent to share my personal details, as
required for opting for aforementioned products / policies.
6. I/We hereby give consent to the Service Provider to pay the claim amount/service fees up to the outstanding loan amount to the
financer.
7. I/We, the undersigned hereby declare that the above statements and particulars are true, accurate and complete and I/We declare
and agree that this declaration and the answers given above shall be held to be promissory and shall be the basis of the contract
between me/us and the Service Providers.

Consent for this application no. 0364073067, was electronically provided by BHASKAR G on 23 Oct, 2021 12:27 PM registered
mobile number 9880251234 from IP Address 223.231.159.92