25 Mar 2023

To,

Kapdiya Mohmmad Faizal Abdul Rajhak

670/71-72, 4th floor sindhiwad Surat City fhurja police sation OPP PETROL PUMP SURAT - 395003 -
Ph:8866217784
Dear Customer,

Greetings from IDFC FIRST Bank Ltd!

It is our privilege to welcome you to IDFC FIRST Bank Ltd, and we thank you for choosing us as your financing partner. It
gives us immense pleasure in welcoming you to a world of financing options with us.Please find your loan details
mentioned hereunder:
Product USED CAR
Agreement No. 77560125
Agreement Date 10-JUN-22
Loan Amount (INR) 708,390
Tenure (months) 34
EMI (INR) 25,531
ROI* 14.5
No. of Advance EMI 0
First EMI Due on 02-JUL-2022

*This interest rate is used to calculate the monthly repayment amount. The above rate of interest translates to a
Flat rate of 7.95% p.a.
IDFC First Bank is now one stop solution for all banking needs, be it loans, savings or business banking
products. Our array of offerings include Consumer Durable Loans, Personal Loans, Two Wheeler Loans,
Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-
the-line debit card, customized Wealth Management solutions and much more.

For any further query on your existing loan or to avail a new financial product or services from us, please call us
on our helpline number 1860-258-2000.

We are pleased to inform you that now you can view your loan account details pay EMI, raise service requests
and much more using our Mobile App or through our Web-portal.

To download, visit Android Playstore or iOS AppStore and search for IDFC First Loans mobile app. Alternatively,
visit https://goo.gl/yNQMgl to download the app instantly.

To view your loan details on our Web-Portal, simply login using your BIRTHDATE and registered MOBILE
NUMBER. Visit our Customer Web Portal at www.idfcfirstbank.com (Click LOGIN displayed at the top right
corner)

You can also view your loan account details by logging in to our customer portal through your user id. Please
find below link to view the loan details online. If you do not remember your password you can reset the same by
clicking on Forgot Password.
https://my.idfcfirstbank.com/login
We trust you will have a rewarding experience with us, and look forward to your feedback to help us serve you
better in the future.
Best regards,
IDFC First Bank Ltd

[This is a system generated letter and does not require any signature]

IDFC FIRST Bank Limited

Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400 CIN:
L65110TN2014PLC097792, [email protected],www.idfcfirstbank.com
 Important Information:
We wish to inform you that we shall now be reporting the data pertaining to your account with us to CIBIL and
other credit bureaus. This data will be updated on a regular basis for all our customers.

We value your feedback. You can get in touch with us through -

CUSTOMER PORTAL/MOBILE APP Our Customer Portal and mobile app allows you to
access your Loan related details including:
‡Download Statement of Accounts (SOA), Interest
certificates, No Objection Certificate (NOC), Repayment
Schedule and Welcome Letter
‡Make payment for missed EMI
‡View and update contact details online
CALL Customers can call us at our helpline 1860 258 2000
between 9:00am - 8:00pm Monday - Saturday. Please
keep your Loan reference number handy for verification.

IDFC FIRST Bank Limited

Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400 CIN:
L65110TN2014PLC097792, [email protected],www.idfcfirstbank.com
General Information:
Terms and Conditions of the Loan: All terms/ conditions of the loan are as per the Sanction Letter and Loan
Document executed between us and it is assumed that these have been fully understood/ accepted by you.
Repayment Schedule: Repayment Schedule provides the amount of each EMI, due dates and break-up
between principal and interest components. It also provides the outstanding principal after realization of each
installment.
IMPORTANT: The outstanding principal should not be taken as the only obligation to the Company under this
Loan Agreement. Prepayment penalty, other charges, if applicable, all other monies that may be due and
payable by the borrower to IDFC First Bank, including its subsidiaries/affiliates/assignee on any account
whatsoever, whether present or future, including any liability of the Borrower as a surety or co-obligor either
singly or along with any other person are also payable at the time of full and final settlement.
Statement of Account: Statement of Loan Account provides details of repayments and can be furnished upon
request.
Swap of the Mode of Repayment: The facility of substituting the existing instructions for repayment of EMIs can
be allowed. This can be done by submitting set of fresh instructions alongwith cheque at any of our Branches.
IMPORTANT: Please note that from the date of receipt of fresh instructions, 30 working days are required for
affecting the swap. Till such time, the existing instructions will remain in operation for the installment falling due
during the intervening period, and necessary cover funds must be provided for the same. Once the Swap is
activated, the cheques will be retained at our end. In case you wish these to be returned, kindly lodge a request
through our call center within 7 days.
Maturity of Loan: In case of Vehicle Loans, a No Objection Certificate (NOC) and Form-35 for relinquishment of
Hypothecation will also be issued on closure of the loan. For Loan Against Property and Home loans, the Title
Deed/ Documents of Ownership will be returned within 15 working days from the date of closure of the loan. For
Durable loans an SMS will be sent on closure with a link which will provide the No Due Certificate , provided all
other monies that may be due and payable by the borrower to IDFC First Bank, including its
subsidiaries/affiliates/assignee on any account whatsoever, whether present or future, including any liability of
the Borrower as a surety or co-obligor either singly or along with any other person
Pre-Payment of Loans: Foreclosure charges are applicable for all loans except consumer durable loan. We do
not levy foreclosure charges for consumer durable loans. Any payment made towards pre-payment of loan
should be done at least 5 working days before the validity date to factor cheque/cash clearing timelines. The
interest will stop accruing on your loan account from the date of clearing and excess funds, if any, will be credited
to the bank account registered with us. Refer schedule of charges for further details.

Making repayments is now easier using various payment channels mentioned below:
ͻOnline Repayment through Net Banking / Debit Card / Paytm Wallet (Click on Quick Pay EMI)
ͻWalk into the nearest Axis Bank Branch
ͻUse our partner payment network for making repayment towards your loan- Click on https://paytm.com/loan-emi-payment
for using the PayTm website or select "Loan" on the App home screen
ͻWalk into nearest IDFC First Bank Loan Centres.

Other Information:
1. Loan Account number must invariably be mentioned on reverse of the cheques submitted for Pre-payment of
Loan, replacement PDCs, swap or any other charges.
2. For Auto, Two Wheeler loan: Copy of certified RC Book with hypothecation in favour of the company duly
recorded thereon must be furnished. In the absence of RC Book details, IDFC First Bank will not be in a position
to issue the No- Objection Certificate and Form 35.
3. Interest Certificate will be provided on request at the end of each financial year.
4. Adequate balances must be maintained in your Bank Account a day prior to each due date. In the event of non-
realization of EMI on due date, Late Payment Charges will be applicable on the unpaid installment in addition to
the Cheque Bouncing Charges.
5. Any change in mailing address, telephone numbers and other contact details must be intimated to IDFC First
Bank, quoting the Loan Account Number along with a valid documentary proof.
6. Should you require any further information / assistance from our Customer Service Branch, we request you to
carry a Valid Photo ID card to be furnished or provide a proper authority letter and self-attested photo ID to your
representative along with his / her photo ID.
7. All borrowers who are liable to deduct the TDS, must pay TDS as per applicable rate for the interest and fees
being paid to IDFC First 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 IDFC First Bank. Original TDS certificate should be
submitted for claiming the refund. IDFC First Bank PAN ʹAADCI6523Q,
http://www.idfcbank.com/content/dam/idfc/image/gst/pdf/IDFC-Bank-GST-Registration_Numbers-New.pdf

IDFC FIRST Bank Limited

Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400 CIN:
L65110TN2014PLC097792, [email protected],www.idfcfirstbank.com
8. Schedule of charges (Amt in Rs)
Products/Type of CONSUM TWO USED CAR PERSONAL BUSINESS Micro LAP HOME
charges ER WHEELER LOAN LOAN/ Business LOAN
DURABL (PLCL/PLTW) PERSONA Loan
E L LOAN
EMI Bounce charges 400 400 400 400 400 400 400 400
per presentation
Late payment/Penal 2% of the 2% of the 2% of the 2% of the 2% of the 2% of the 2% of 2% of the
charges (per month) unpaid unpaid EMI or unpaid EMI unpaid EMI or unpaid EMI unpaid the unpaid
EMI or Rs Rs 300 or Rs 300 Rs 300 or Rs 300 EMI or Rs unpaid EMI or Rs
300 whichever is whichever whichever is whichever 300 EMI or 300
whichever higher is higher higher is higher whichever Rs 300 whichever
is higher is higher whichev is higher
er is
higher
Cheque Swap charges 500 500 500 500 500 500 500 500
(per swap)
Cancellation & 1000 or 1000 towards 10000 10000 within 10000 1% of the 10000 1% of the
Rebooking charges 5% of Cancellation , towards 30 days of within 30 loan within 30 loan
loan Additional Cancellatio disbursement days of amount + days of amount +
amount - Interest n+ or 1st EMI disbursem interest disburse interest
whichever charges from Additional presentation ent or 1st from date ment or from date
is higher date of Interest whichever is EMI of 1st EMI of
disbursal till charges earlier. Post presentatio disbursal presenta disbursal
receipt of from date of 30 days or 1st n till receipt tion till receipt
cancellation. disbursal till EMI whichever of whichev of
Cancellation receipt of presentation is earlier. cancellatio er is cancellati
to be cancellation request for Post 30 n request earlier, on
received . cancellation days or 1st Cancellati Post 30 request
within 30 Cancellatio will be treated EMI on days or Cancellati
days or 1st n to be as foreclosure presentatio request to 1st EMI on
EMI received n request be presenta request
presentation within 30 for received tion to be
date days or 1st cancellatio within 30 request received
whichever is EMI n will be days or for within 30
earlier. Post presentatio treated as 1st EMI cancellat days or
which it will n date foreclosure presentati ion will 1st EMI
be treated as whichever on date, be presentati
foreclosure is earlier. post which treated on date,
Post which cancellatio as post
it will be n will be foreclos which
treated as treated as ure cancellati
foreclosure foreclosur on will be
e treated as
foreclosur
e
Foreclosure / 5% of 5% of 5% of 5% of 5% of 5% of 0% for 0% for
Prepayment charges* principle principle principle principle Principle Principle Floating Floating
outstandi outstanding outstanding outstanding loan loan rate rate loans
ng amount amount amount outstandin outstandin loans - - For
amount g g For Individual
Individua Personal
l Use only;
Personal
Use 5% of
only; Principle
Outstandi
0% for ng for
MSME other
up to 50 floating
lakhs; rate
loans;
5% of
Principal 5% of
outstand Principle
ing for all Outstandi
other ng For
loans Fixed
Rate
Loans

Loan re scheduling NA NA NA NA NA 300 300 300

charges (per re
scheduling)

IDFC FIRST Bank Limited

Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400 CIN:
L65110TN2014PLC097792, [email protected],www.idfcfirstbank.com
Duplicate No Objection 500 500 500 500 500 500 500 500
Certificate Issuance Special
Charges NOC
charges
500
Commercial
NOC - 2250

Inter-State
NOC
Refundable
Security
Deposit
(non-
interest
bearing) of
Rs. 5,000
will be
taken. It will
be the
borrower's
responsibilit
y to provide
the
transferred
Registration
Certificate
to the bank.
In addition,
NOC
charge
would be
Rs. 500
Physical Repayment 500 500 500 500 500 500 500 500
Schedule
Physical Statement of 500 500 500 500 500 500 500 500
Account
Document retrieval 500 500 500 500 500 500 500 500
charges (per retrieval)
Stamping Charges As per As per As per As per actuals As per As per As per As per
Actuals actuals actuals actuals actuals actuals actuals
Processing fees Up to 3.5% of Up to 3.5% Up to 3.5% of Up to 3.5% Up to Upto 3 Upto 3 %
the total of the total the total of the total 3.5% of % of of Loan
amount amount amount amount the total Loan Amount
amount Amount
List of Documents NA NA NA NA NA 500 5000 500

Part Payment charges Part Part Payment Part Part Payment Part Part 0% for 0% if part
Payment is not allowed Payment is is not allowed. Payment is Payment Individua payment
is not not allowed For Smart not allowed is not ls loans is up to
allowed Personal Loan allowed for 25% in a
product-NIL personal financial
charges for use - year
part Floating
prepayment Rate 5% of
up to 40% of Only Principle
loan amount Outstandi
in a financial 0% for ng If Part
year, allowed MSME Payment
after 3rd EMI up to 50 exceeds
lakhs 25% in a
financial
5% of year
Principal
outstand
ing for all
other
loans
Initial Money Deposit NA NA NA NA NA 3000 6500 NA
Charges
Easy Buy Card 100 100 100 500 NA NA
Replacement Fee (If
Easy Buy Card
Applicable)
EBC & Push Card 99 99 99 500 NA NA
Annual Fee
IDFC FIRST Bank Limited
Registered Office: KRM Towers, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600031. Tel: +91 44 4571 6400 CIN:
L65110TN2014PLC097792, [email protected],www.idfcfirstbank.com
EMI Pickup/ Collection 350 350 350 350 350 350 350 350
Charges
Admin Charges (If 1450
Applicable)
Pre EMI 350

Security Post Dated 500

Cheque Waiver
Legal/Collections/ As per
Repossession & actuals
Incidental Charges
Valuation Charges (If
Applicable)
Loan Protect Insurance

Transaction/Other Fees

Asset Verification
Charges
Services Charges (on
Agri/PSL)
Indian Health
Organisation Charges
Credit Vidya Charges

Other Charges

Personal Accident
Insurance
Facilitation Fee

Charges for furnishing a

copy of the credit
information report
(CIBIL) to the applicant

Please note:
1) First Presentation will be done on the EMI due date each month. Please ensure your account is funded with
sufficient funds by a day prior to the due date to avoid levy of charges.

2) If the EMI for the month bounces and payment against the same is not received in the same month, late
payment charges will be applicable. These will be charged every month on a recurring basis till the payment is
received.

3) charges above are exclusive of GST and government levy(if any).

4) Non-payment of any of the charges levied will be reported to the Credit information company (including CIBIL)
and will affect the credit score.

5) * incase a company, firm, etc. is a part of the loan structure; foreclosure charges/ penalty/levy can be levied
as stated in the sanction conditions will be applicable

6) Schedule of charges are subject to change as per bank's discretion from time to time. The bank reserves the
right to introduce any new charges or fees, as it may deem appropriate. Please visit www.idfcfirstbank.com to
view the updated loan charges.

IDFC FIRST Bank Limited

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