HDFC ERGO General Insurance Company Limited

HDFC ERGO - Bharat Griha Raksha

2111205486452000000

MR. KUNTAL BHATTACHARYA

MAHENDRA AARYA - TOWER-B S NO SY.NO.6/1 8/4 9/2
10/1 12/1 13 ANDAPURA ATTIBELE Hobli Anekal Taluk
BENGALURU,
KARNATAKA,560100
Contact No.: 7338965847/7338965847

16 July, 2023

Dear Customer,
Sub: HDFC ERGO - Bharat Griha Raksha Policy No. 2111205486452000000

We thank you for having preferred us for your Insurance requirements. We at HDFC ERGO General Insurance
believe “Insurance” as not only to be an assurance to indemnify in the event of unfortunate circumstances,
but one that signifies protection and support, which you can count on when you need it most.

The Insurance Policy enclosed herewith is a written agreement providing confirmation of our responsibility
towards you that puts insurance coverage into effect against stipulated perils.

Please note that the policy has been issued based on the information contained in the proposal form and / or
documents received from you or your representative / broker.

Name of the Intermediary: HDFC SALES PRIVATE LIMITED

Intermediary Code: 200860939558

Where the proposal form is not received, information obtained from you or your representative /broker, whether orally or
otherwise, is captured in the policy document.

If you wish to contact us in reference to your existing policy and /or other general insurance solutions offered
by us, you may write to our correspondence address as mentioned below. Alternatively, you may visit our
website www.hdfcergo.com . To enable us to serve you better, you are requested to quote your Policy Number
in all correspondences.

Thanking you once again for choosing HDFC ERGO General Insurance Company Limited and looking forward
to many more years of association.

Yours sincerely,

Authorised Signatory

HDFC ERGO General Insurance Company Limited. UIN NO.: IRDAN125RP0003V01202021. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st
Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Policy Issuing/ Customer Happiness Center: D-301, 3rd Floor, Eastern Business
District LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for
policy copy/tax certificate/make changes/register & track claim. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
HDFC ERGO - Bharat Griha RakshaI HE/CL/Fire/20-21/227.
HDFC ERGO General Insurance Company Limited
Certificate of Insurance
2111205486452000000
HDFC ERGO - Bharat Griha Raksha

2111205486452000000
Policy No. :2111 2054 8645 2000 000
Period of Insurance :From 15/06/2023 16:14 hrs To 14/06/2033 Midnight
Customer ID :Customer Id:100818213454
Policy Issuance Date :15/06/2023
MR. KUNTAL BHATTACHARYA Customer GSTN :
MAHENDRA AARYA - TOWER-B S NO SY.NO.6/1 8/4 9/2 10/1 Place of Supply :Karnataka
12/1 13 ANDAPURA ATTIBELE Hobli Anekal Taluk Age of Building :NA
BENGALURU, Cost of construction (in :9639
KARNATAKA,560100 INR per sq mt.)
Contact No.: 7338965847/7338965847
Carpet Area (in sq mts) :103.75
Email ID :[email protected]
Payment Details : 306157008852, Bank Name:HDFC Bank Ltd
Master policy no.: 2999204166481301000

RM Code 50557 Case ID/Loan Account No. 689491134 Client ID 2041822

Financier Name 1) HDFC LIMITED
Co-insurance Details
Details of Property Insured & Location of Risk Covered
Risk Location Occupancy Detail of the Property Insured Sum Insured (`)
FLAT-319,FLOOR-3 MAHENDRA AARYA - TOWER-B S NO
SY.NO.6/1,8/4,9/2,10/1, 12/1,13,ANDAPURA, ATTIBELE,HOBLI,
ANEKAL TALUK, BANGALORE., BENGALURU, KARNATAKA,
PIN-560100. Residential Building 1,000,000.00

Invoice No. :3061500935711 , Premium:8300 , Integrated Tax

18% (`1494 ) , Place of Supply : Karnataka
Total Sum Insured 1,000,000.00
Details of In built / Add On Cover
S.No Description of In built / Add On Cover Sum Insured / Limit of Liability (`)
1 Escalation 10% per Year for Building Only
2 Earthquake 1000000
3 Terrorism 1000000
4 Loss of Rent 0
5 Rent for alternative accommodation 0
6 Personal Accident Cover 0
7 Valuables (As per annexure) -
8 Cost of Removal of debris from the site Up to 2% of the claim amount
9 Architect, surveyor, consulting engineer fees Up to 5% of the claim amount
Premium Details
Basic Premium 7,500.00
Terrorism Premium 800.00
Integrated Tax 18% 1,494.00
Total Premium 9,794.00
Excess/Deductibles
CONSTRUCTION PHASE - Excess applicable is 5% of claim amount subject to minimum Rs.10,000/- each and every claim (Upto Sum insured of Rs.10 Crs.)
POSSESSION PHASE - Excess applicable is NIL
Special Condition /Clauses / Warranties
Warranted there is no Kutcha Construction at insured premises
Warranted Building under construction stands covered under this policy
For all other terms and conditions refer to master policy document available with Group Policy holder

Disclaimer :- "This Policy is issued based on the request submitted by (Financier Bank) in accordance with clause XVIII of the Loan Agreement between the Bank and its Borrower and
Clause 26 of the Sanction Letter.
As per the above clauses, in the event of Insurance Policy not being obtained/renewed on time by the Borrower, the Bank has the right to obtain or renew the same."

Communicable Disease Exclusion [Endorsement][Clause]

1.Notwithstanding any provision, clause or term of this [Insurance Contract] to the contrary, this [Insurance Contract] excludes any loss, cost, damage, liability, claim, fines, penalty or
expense or any other amount of whatsoever nature, whether directly or indirectly and/or in whole or in part, related to, caused by, contributed to by, resulting from, as a result of, as a
consequence of, attributable to, arising out of, arising under, in connection with, or in any way involving (this includes all other terms commonly used and/or understood to reflect or
describe nexus and/or connection from one thing to another whether direct or indirect):
1.1 a Communicable Disease and/or the fear or threat (whether actual or perceived) of a Communicable Disease and/or the actual or alleged transmission of a Communicable
Disease regardless of any other cause or event contributing and/ or occurring concurrently or in any sequence thereto, and
1.2 a pandemic or epidemic, as declared by the World Health Organisation or any governmental authority.
2. As used herein, Communicable Disease means: any infectious, contagious or communicable substance or agent and/or any infectious, contagious or communicable disease which
can be caused and/or transmitted by means of substance or agent where:
2.1 the disease includes, but is not limited an illness, sickness, condition or an interruption or disorder of body functions, systems or organs, and
2.2 the substance or agent includes, but is not limited to, a virus, bacterium, parasite, other organism or other micro-organism (whether asymptomatic or not); including any variation or
mutation thereof, whether deemed living or not, and
2.3 the method of transmission, whether direct or indirect, includes but not limited to, airborne transmission, bodily fluid transmission, transmission through contact with human fluids,

HDFC ERGO General Insurance Company Limited. UIN NO.: IRDAN125RP0003V01202021. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st
Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Policy Issuing/ Customer Happiness Center: D-301, 3rd Floor, Eastern Business
District LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for
policy copy/tax certificate/make changes/register & track claim. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
HDFC ERGO - Bharat Griha RakshaI HE/CL/Fire/20-21/227.
HDFC ERGO General Insurance Company Limited
0 2111205486452000000
HDFC ERGO - Bharat Griha Raksha

waste or the like, transmission from or to any surface or object, solid, liquid or gas or between organisms including between humans, animals, or from any animal to any human or from
any human to any animal, and
2.4 the disease, substance or agent is such
2.4.1 that causes or threatens damage or can cause or threaten damage to human health or human welfare, or
2.4.2 that causes or threatens damage to or can cause or threaten damage to, deterioration to, contamination of, loss of value of, loss of marketability of or loss of use or usefulness of,
tangible or intangible property.
For avoidance of doubt, Communicable Disease includes but is not limited to Coronavirus Disease 2019 (Covid -19) and any variation or mutation thereof.
3. For further avoidance of doubt, any contingent or other business interruption loss, cost, damage, loss of income, loss of use, increased cost of working and/or extra expense arising
out of or attributable to:
3.1 any partial or complete closure of and/or slowdown in, including but not limited to any closure by or under the advisories of public, military, government or civil authorities, or any
denial of access to insured premises, or customer and or supplier premises (including service / utility providers), or
3.2 change in consumer behaviour, or
3.3 an absence of infected employees or employees suspected of being infected shall not be covered by this [Insurance Contract]
4. For still further avoidance of doubt, loss, cost, damage, liability, claim, fines, penalty or expense or any other amountexcluded hereby, includes but is not limited to any cost to
identify, clean-up, detoxify, disinfect, decontaminate, mitigate, remove, evacuate, repair, replace, monitor, sanitize or test: (1) for a Communicable Disease or (2) any tangible or
intangible property covered by this [Insurance Contract] that is affected by such Communicable Disease.
5. It is clarified that (1) no other prior, concurrent or subsequent provision, clause, term or exception of this [Insurance Contract] (including (but not limited to) any prior, concurrent or
subsequent endorsement and/or any provision, clause, term, buy back or exception that operates, or is intended to operate, to extend the coverage of, or protections provided by, this
[Insurance Contract] by whatever name called like any coverage extension, additional coverage, global extension, exception to any exclusion); (2) no change in the law, clause or
similar provision; (3) no follow the fortunes clause or similar provision; and/or (4) no change in the law or any regulation (to the extent permitted by applicable law), shall operate to
provide any insurance, coverage or protection under this [Insurance Contract] that would otherwise be excluded through the exclusion set forth in this [Endorsement][Clause].
6. If the [Insurer] alleges that by reason of this [Endorsement][Clause] any amount is not covered by this [Insurance Contract] the burden of proving the contrary shall rest in the
[Insured].
Sanction and Embargo Clause
No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover,
payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic
sanctions, laws or regulations of the European Union, United Kingdom or United States of America.
Details for PA Cover
Insured Name Insured DOB
Spouse Name Spouse DOB
Nominee Name Nominee Relation

Intermediary Name HDFC SALES PRIVATE LIMITED

Intermediary Code 200860939558
For Claim/Policy related queries call us at +91- 22 6234 6234/+91- 120 6234 6234 or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim.
Address 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri(E), Mumbai 400 059.
If the premium is not realised the policy shall be void from inception. Please note that any misrepresentation, non-disclosure or withholding of material facts will lead to cancellation of policy ab initio with forfeiture of
premium and non-consideration of claim, if any.
" The stamp duty of ` 0.50 paid by Demand Draft, vide Receipt/Challan no. LOA/CSD/547/2022/5450/22 dated 22/12/2022 as prescribed in Government of Maharashtra Order No. Mudrank-2017/CR.97/M-1, dated
the 09th January 2018".
GST Registration No: 27AABCL5045N1Z8 . Goods and Services Tax for this invoice is not payable under reverse charge basis.
I/ We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified under sub-rule (4) of rule 48, we are not required to
prepare an invoice in terms of the provisions of the said sub-rule
This is with reference to the KYC norms prescribed by the Authority, whereby this policy is being issued relying on the undertaking / power of attorney / letter of authorisation / Board resolution provided by the
authorized signatory of your Entity. Should the signatory be not authorized to provide such a declaration, please inform the Company within 15 days from the date of receipt of this policy
Branch :leela business park, 6th flr, andheri - kurla rd, mumbai
Agent Name :HDFC SALES PRIVATE LIMITED For HDFC ERGO General Insurance Company Ltd.
Agent Code :200860939558 Tel No. : 91-22-66316552

Authorized Signatory
"For detailed policy terms and conditions please visit our website https://www.hdfcergo.com/download/policy-wordings

HDFC ERGO General Insurance Company Limited. UIN NO.: IRDAN125RP0003V01202021. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st
Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Policy Issuing/ Customer Happiness Center: D-301, 3rd Floor, Eastern Business
District LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for
policy copy/tax certificate/make changes/register & track claim. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
HDFC ERGO - Bharat Griha RakshaI HE/CL/Fire/20-21/227.
HDFC ERGO General Insurance Company Limited
0 2111205486452000000
HDFC ERGO - Bharat Griha Raksha

TAX INVOICE
Details of Insurerd Details of Insurer
Insured Name : KUNTAL BHATTACHARYA Insurer Name : HDFC ERGO General Insurance Company Limited
Correspondance : Hobli Anekal Taluk MAHENDRA AARYA - TOWER-B S NO Branch Address : LEELA BUSINESS PARK, 6TH FLR, ANDHERI - KURLA
Address SY.NO.6/1 8/4 9/2 10/1 12/1 13 ANDAPURA ATTIBELE RD, MUMBAI, 400059.
BENGALURU,KARNATAKA-560100 -560100 GSTIN : 27AABCL5045N1Z8
Billing Address : FLAT-319,FLOOR-3 MAHENDRA AARYA - TOWER-B S NO
SY.NO.6/1,8/4,9/2,10/1, 12/1,13,ANDAPURA, ATTIBELE,
HOBLI, ANEKAL TALUK, , , BANGALORE., BENGALURU,
KARNATAKA, PIN -560100.
Place of Supply : Karnataka Policy No. : 2111205486452000
State Code : 29 Certificate No. : 2111205486452000000
PAN : BALPK3047D Invoice No. : 3061500935711
Policy issue date / : 15/06/2023
GSTIN :
Invoice date

Premium Details (`)

Premium CGST SGST IGST Total Stamp Premium Value with

S.No. Description of Services HSN Code
Amount Tax % Amount Tax % Amount Tax % Amount Tax Duty Tax

1 HDFC ERGO - Bharat Griha Raksha 9971 8300 9% 0 9% 0 18% 1494 1494 .5 9794
Total Invoice Value 9794
Total Invoice Value (In Words) RUPEES NINE THOUSAND SEVEN HUNDRED NINETY-FOUR AND ZERO PAISE ONLY

Whether Tax is payable on Reverse charge basis : No

"I/ We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the aggregate turnover notified
under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of the said sub-rule"

For HDFC ERGO General Insurance Company Ltd

Authorised
Policy No. 2111205486452000000

HDFC ERGO General Insurance Company Limited. UIN NO.: IRDAN125RP0003V01202021. IRDAI Reg. No.146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st
Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Policy Issuing/ Customer Happiness Center: D-301, 3rd Floor, Eastern Business
District LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at +91 22 6234 6234/+91 120 6234 6234 or Visit Help Section on www.hdfcergo.com for
policy copy/tax certificate/make changes/register & track claim. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license.
HDFC ERGO - Bharat Griha RakshaI HE/CL/Fire/20-21/227.