Ref. No.

:L0242623 Date : 30/12/2022

Loan Sanction Details

To,

NAZEER AHMED

Dear Sir/Ma'am,

Thank you for your loan application dated 30/12/2022. We, Avanse Financial Services Ltd. ("the Lender") are
pleased to inform you that based on your loan application, we have agreed to sanction you the Loan facilities
subject to its terms and conditions. The sanctioned details are mentioned below, which shall form part of the
loan agreement and/or terms and conditions perscribed by the Lender:-

Key Fact Statement

Sr.
Particulars Details
No.
Rs.83955.0
If disbursement is in tranche/s):
Tranches Disbursement Month Loan Amount
Tranche-1 Rs.
Tranche-2 Rs.
Tranche-3 Rs.
Loan Amount Tranche-4 Rs.
I. (amount disbursed/to be disbursed to the
borrower) Each tranche disbursement is subject to Lender's
discretion, compliance of conditions precedent and
provided that no event of default has occurred and is
continuing. The Lender is entitled to maintain different
loan account for each tranche for administrative
purpose as it may deem fit. The terms and conditions
shall govern all such loan accounts for Lender to enable
enforcement of rights and exercise remedies in terms
hereof.
1. Payable by the customer Rs. 0.0
Total Interest Charge during the entire
II.
tenor of the loan 2. Payable by the merchant/institute Rs. Rs. 3045.0

a) Processing Fee Rs.0

Other up-front charges (if any) b) Insurance charges (if applicable) Rs.0
III.
(break-up of each component to be given) c) Others (if any) Rs.0
Total Rs.0

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
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 Rs. 83955.0
Net disbursed amount
Note: Other up-front charges to be paid separately by
IV. [(Loan Amount) less (Other up-front
the Borrower(s), as it shall not be deducted from the
charges) ]
loan amount.
Total amount to be paid by the borrower
[(Loan Amount) +
V. Rs. 87000.0
(Total Interest Charge) + (Other up-front
charges)]
Annual Percentage Rate (APR)1
- Effective annualized interest rate (in
VI. percentage) (computed on net disbursed 17.4%
amount using IRR approach and reducing
balance method)
VII. Tenor of the Loan (in months/days) 6 months from the 1st disbursement.
VIII. Repayment frequency by the borrower Monthly
IX. Number of instalments of repayment 6
Rs. 14500.0 (*Indicative Instalment / EMI amount)
Amount of each instalment of * The actual Instalment/EMI amount will depend on the
X.
repayment disbursement date and may change accordingly, and
will be shared post-disbursement.
Rate of annualized penal charges in Upto 24% per annum charged @ 2% per month on
XI.
case of delayed payments (if any) overdue EMI amount / Interest amount.
Rate of annualized other penal charges
XII. Nil
(if any); (details to be provided)
Other disclosures
Cooling off/look up period during which
No prepayment/foreclosure penalty shall be charged
XIII. borrower shall not be charged any
during the loan tenor.
penalty on prepayment of loan.
GAJJU TECHNOLOGIES PRIVATE LIMITED (FINANCEPEER
Details of Lending Service Provider - WWW.FINANCEPEER.CO) Note: Upon an event of
XIV. (LSP) acting as recovery agent and default the Lender may initiate appropriate legal
authorized to approach the borrower. proceedings as per the loan agreement and/or the
applicable laws.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
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 Details of Grievance Redressal Officer (GRO) of
Lender
Name Mr. Mithun Pillai
Designation Vice President
Telephone 022- 6859 999
Avanse Financial Services
Limited, 001 & 002 Fulcrum, A-
Wing, Ground Floor, Sahar
Details of Lender's Nodal Grievance Address
Road, Next to Hyatt Regency,
Redressal Officer. (Name, designation, Andheri (East), Mumbai - 400
address and phone number of nodal 099, Maharashtra
XV.
grievance redressal officer designated
specifically to deal with Fin Tech/digital Email [email protected]
lending related complaints/issues).
In case of any queries/service request/complaint
related to the loan, Borrower(s) may write to the
Lender at [email protected] and/or alternatively
follow the grievance redressal mechanism as available
on the Lender's website at www.avanse.com

Details of Grievance Redressal Officer (GRO) of LSP

Name SHREEKANTH DHOND
In case of any queries/service
request/complaint related to the loan, Designation GRIEVANCE REDRESSAL OFFICER
Borrower(s) may write to the Lender at Telephone +91 9554123123
XVI. [email protected] and/or
alternatively follow the grievance GAJJU TECHNOLOGIES PRIVATE
redressal mechanism as available on the LIMITED, PLOT NO. 169, RSC II S.N.,
Address
Lender's website at www.avanse.com 120, VERSOVA, ANDHERI (W) MUMBAI -
400053, MAHARASHTRA
Email [email protected]

Additional Details of the Loan

Sr.
Particulars Details
No.
Application Number/Loan Account
I. L0242623/BANDP00708241
Number
II. Lender Avanse Financial Services Limited
III. Merchant's/Institute's Name NARAYANA JR COLLEGE
Bank Holder Name: NARAYANA EDUCATIONAL SOCIETY
Legal Name: Narayana Junior College
Merchant and/or Institutes Account
IV. Bank Name: IndusInd Bank
Details
Bank Account Number: 603014033008
IFSC Code: INDB0000004

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
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 Name of
NAZEER AHMED
Borrower
Email [email protected]
Phone
9686815336
number
s/0. Syed Basheer, #14, 1st B cross, C M
national school, mohan kumar nagar,
V Details of Borrower/Co-Borrower Address
bangalore north, bangalore, Karnataka,
560022

Name of Co-Borrower NA
Email NA
Phone number NA
Address NA

VI. Purpose (Institute/Course Name) NARAYANA JR COLLEGE

VII. Due Date2 for Repayment 5th day of every Month

2 Due Date: The date as specified in the Amortization Chart on which the instalment is due to be paid.

Please refer to the enclosed Amortization Chart

provided along with this Sanction Letter/ Loan
Agreement. Note: The Amortization Chart may
VIII. Break up between Principal and Interest
undergo change due to variations in the loan amount,
tenure, moratorium period, rate of interest etc.,
payable by borrower.
17.4% per annum (For rest of the tenor).
Rate of Interest (ROI) (Applicable on entire Loan amount notwithstanding the
IX.
Note: Lender may revise/vary the RO disbursement schedule agreed by Lender with the
Institute and/or Service Provider)

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
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 INR 1000 +
Cheque/ECS bounce charges
GST
Collection pickup charges (per visit) Rs. 500/-
PDC / NACH Repayment mandate Swap
Rs. 500/-
Charges (per swap)
Repayment Mandate pickup charges
Rs. 1,000/-
(per visit)
Outstation collection, Legal Evaluation As applicable
repossession Stamp duty and on actual
Administrative an Valuation basis
$ Statement of Account Charges Rs.1,000/-
Repayment Schedule (Self Service
Nil
Portal)

X. Other Fees & Charges ^Additional Repayment Schedule Rs.500/-

As applicable
Loan Conversion, Cancellation and on actual
basis
Foreclosure charges Nil
Pre-Payment charges Nil

Applicable for requests, over and above the half

$
yearly statements sent to registered email id.
Applicable for additional requests received for
^ statements over and above issued during part
prepayment.
Note: The above charges will attract applicable
statutory levies and GST

14500.0 (to be paid before disbursement/ to be

XI. Number of Advance EMI/Instalment
adjusted from disbursement)
Loan shall be availed within the disbursement month,
XII. Validity Period/Date
unless validity is extended by the Lender.
XIII. Website of the Lender www.avanse.com
1. Borrower(s) shall submit valid and requisite
documents and meet credit underwriting norms of
the Lender.

2. In case of premature withdrawal from the course/

XIV. Specific Condition request for cancellation of drawdown, the
Borrower shall submit no objection certificate from
the institute and arrange credit for proportionate
refund and foreclosure amount of the Loan to the
Lender.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
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 PLEASE READ THE FOLLOWING INFORMATION
CAREFULLY. AS IT CONTAINS VERY IMPORTANT
INFORMATION ABOUT CLASSIFICATION OF YOUR
Examples of Special Mention Account
LOAN ACCOUNT BASIS OVERDUE STATUS. SUCH
XV. (SMA) and Non-Performing Asset (NPA)
CLASSIFICATION CAN HAVE MATERIAL IMPACT ON
classification dates.
YOUR CREDIT STANDING IN CASE FINANCIAL
DISCIPLNE IS NOT FOLLOWED IN REPAYING THE
LOAN ON TIME.

Borrower(s) to note the below:-

The Loan Account shall be automatically reported as NPA strictly on the 90th Day of it
remaining as Overdue3.

The status of the account cannot be upgraded/ regularized to standard from NPA,
until all the unpaid instalments are fully repaid along with the other
charges/arrears.

The Loan Account shall continue as NPA even though the Loan Account is credited
with certain months of the instalments out of all the unpaid instalments/arrears.

Borrower(s) shall ensure (i) to make timely repayment of the instalment on its due
date and (ii) in any case prevent 90 Days Overdue causing NPA.

Mentioned below is the illustration for Special Mention Account (SMA)/Non-Performing

Asset (NPA) classification dates.

Due Date Date of Overdue Basis for classification Account Classification

10th March'2022 10th March'2022 Upto 30 days SMA-0
10th April'2022 09th April'2022 31-60 days SMA-1
10th May'2022 09th May'2022 61-90 days SMA-2
10th June'2022 08th June'2022 More than 90 days NPA

Explanation:-

If the due date of an account is 10th March' 2022, and the full dues/instalment is
not received before the Lender runs its day-end process for this date, the date of
overdue shall be 10th March' 2022.

If the account continues to remain overdue, then this account shall get tagged as
SMA-1 upon running day-end process on 09th April'2022 i.e., upon completion of
30 days of being continuously in overdue. Accordingly, the date of SMA-1
classification for that account shall be 09th April'2022.

Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2
upon running the day-end process on 09th May'2022; and

If the account continues to remain overdue further, it shall get classified as NPA
upon running day-end process on 08th June' 2022.

If the instalments of "March'2022" & "April'2022" are collectively repaid post "08th
June' 2022", then also the account shall continue to be reported as NPA.

If all the unpaid instalments (in the above example from "March'2022" till actual

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
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 realization) are fully paid along with the other charges/arrears, then only the account
will be upgraded/regularized as standard asset and shall not be reported as NPA.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
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 Additional Specific Instructions for availing the Loan:-

1. Disbursement shall be into the account specified by the Institutes/Merchant/School (as applicable). The
Borrower also hereby expressly authorizes the Lender to disburse/route the said disbursement through
the nodal account and/or the third party account (i.e. directly to the accounts of the Institute/s and/or
Merchant/s and/or schools)

2. The Loan(s) may be disbursed in 1 (one) or more installments or tranches, in accordance with the
Lender's policy and sanctioned terms. Accordingly the Lender may allocate one or more Loan Account
Numbers for every tranche for better administration of Loans in accordance with its terms.
Notwithstanding anything mentioned elsewhere, the Loans shall be governed by the said Loan
documents and/or Facility documents.

3. The Borrower shall abide the said Loan documents and/or facility documents in respect of each Loan
Account Number and undertakes to pay/repay the debts in accordance with the repayment schedule
provided by the Lender in respect of each Loan Account Number as per the terms and conditions of the
Loan Agreement and/or facility agreement.

4. The Borrower have read and understood the cancellation and refund related terms & conditions/policy
(T&C) for the course fees and/or products/services (wherever applicable) as provided or made available
by the Institute/Merchant. Lender is not a party to such Product T&C which are separate/independent to
the loan facility. The Borrower shall pay the applicable refunds received by him/her/them related to
course fees and/or products/services to Lender for adjustment in the loan account. The Borrower shall
ensure processing such refunds directly to Lender by giving required instructions to the Merchant. The
Lender is not obligated to collect the refunds from the Merchant.

5. Any change in ROI and/or other charges shall be applicable prospectively.

6. The sanction is subject to Lender's absolute discretion and may be revoked by the Lender as the Lender
may deem fit including in the event any condition precedents are not complied with. The Loan facility
shall be governed by the terms and conditions prescribed by the Lender and/or the loan agreement, that
shall be accepted by the Borrower/s in addition to this Sanction Letter.

7. The arrangement/tie-up of the Institute/Channel Partner with the Lender may require
drawdown/disbursement of the Loan amount in tranches which otherwise becomes payable upfront in its
entirety by the Borrower in absence of such arrangement/tie-ups. As such, for the Borrower the date of
first tranche disbursement of the Loan by the Lender shall be deemed to be the date of disbursement of
the entire sanctioned Loan amount, since the Loan amounts are kept available for drawdown,
irrespective of its utilization.

8. Upon prepayment/foreclosure of the Loan, the Borrower shall repay to the Lender, the entire outstanding
Amount Due including any Charges (in accordance with the terms of the Loan Agreement) out of the
entire Loan amount sanctioned by the Lender to the Borrower, irrespective of any tranche remittances of
the Loan by the Lender to the Institute.

9. While the interest cost in the ordinary course for the Loan shall be at the rate equivalent to the ceiling
rate (presently at 25%p.a); in consideration that ROI will be calculated on the total sanctioned Loan
amount despite credit of funds in tranches to the institute, the Lender has agreed with sanctioning Loan
on the sanctioned terms. Ceiling rate means the maximum rate of the ceiling limit mentioned in the
extant interest rate policy of the Lender available on Lenders' website, present copy of which has been
supplied to the Borrower and received in good order.

10. As such the Borrower agrees that interest costs are the negotiated and reasonable estimate of the
return on these debts payable to the Lender. The Borrower has thus satisfied itself of the suitability and
appropriateness as to costs and expenses for availing the sanction accordingly

11. This Loan sanction Details/Key Fact Statement shall form an integral part of the Loan Agreement

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
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 (including its Annexures, schedules referred thereto) and shall be read along with it, wherever the
context so requires.

We assure you of our best services at all times.

Warm regards,

For Avanse Financial Services Ltd.,

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
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 FOR ONLINE ACCEPTANCE

Applied, Accepted, Authenticated, Signed and Delivered by the Borrower(s) through electronic
form, by clicking “I ACCEPTâ€​ button in the online system/ application/website made available
for processing loans with Avanse Financial Services Limited (including through its authorized
service providers) as well as entering the one time password (OTP).

SIGNED, SEALED AND DELIVERED BY

_______________ _______________ _______________ _______________

Borrower Co-Borrower Co-Borrower Co-Borrower

PLEASE READ THE FOLLOWING LOAN AGREEMENT CAREFULLY! IT CONTAINS VERY IMPORTANT
INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS AS WELL AS LIMITATIONS AND
EXCLUSIONS THAT MAY APPLY TO YOU. THIS DOCUMENT CONTAINS A MANDATORY DISPUTE
RESOLUTION CLAUSE.

N CASE YOU ACCEDE TO THE TERMS THROUGH AN ELECTRONIC FORM, THEN BY CLICKING ON THE
“I ACCEPTâ€​ BUTTON, YOU ARE CONSENTING TO BE BOUND BY AND ARE BECOMING A PARTY
TO THIS LOAN AGREEMENT. IF YOU DO NOT AGREE TO ALL THE TERMS OF THIS LOAN
AGREEMENT, CLICK THE “I DO NOT ACCEPTâ€​ BUTTON OR LEAVE THE WEBSITE.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
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 LOAN AGREEMENT

This Loan Agreement ("Agreement") has been made and shall be effective from the date of Loan Sanction
Details/Key Fact Statement, by and between:

Avanse Financial Services Limited, a company incorporated under the provisions of the Companies Act, 1956,
and having its registered office at 001 & 002 Fulcrum, Ground Floor, Sahar Road, Andheri (E), Mumbai - 400 099,
(hereinafter referred to as "Lender" or "Avanse", which expression shall, unless it be repugnant to the context or
meaning thereof, include its successors and assigns) of the first part;

AND

The Borrower(s) as detailed in Annexure, hereinafter referred to as the "Borrower", (which expression shall, unless
it be repugnant to the context or meaning thereof, include its successors and permitted assigns) of the second part.

The Lender, the Borrower shall hereinafter individually be referred to as a "Party" and collectively as "Parties".

In case there is more than 1 (one) Borrower, then each such Borrower jointly and severally accedes to the terms and
conditions of this Agreement and shall be liable to fulfill the terms and conditions set out herein.

Any reference to "Channel Partner and/or Service Provider" shall mean an intermediary who is engaged by the
Borrower in providing services for approaching the Lender and/or procuring loan facilities for the Borrower.

NOW THIS AGREEMENT WITNESSETH AS FOLLOWS

1. SCOPE
1.1 The Lender is a Non - Banking Financial Company engaged in the business of providing loans to its customers.
1.2 The Borrower had approached the Lender for loan not exceeding amount as mentioned in Annexure (the loan
amount hereinafter shall be referred to as the "Loan" or "Loan Amount") on the terms, conditions and the
purpose as stated /contained in this Agreement.
1.3 Borrower understands that every Loan request shall be assessed individually, at the Lender's sole discretion
and the final disbursement amount shall be based on the Lender's internal policies and eligibility criteria
applicable to the Borrower.
1.4 The Borrower understands that this Agreement is valid for the Loan, taken from time to time, within the time
period set out in Annexure.
1.5 At the request of the Borrower, the Lender may in its sole discretion agree to the Borrower re-borrowing any
amount(s) under this Agreement for such amounts and for such further periods as the Lender may deem fit in
its sole discretion and/or in compliance with applicable laws and including, on such terms as the Lenders may
in its sole discretion impose or revise including, specifying additional conditions, which shall all be binding on
the Borrower. Any change in the terms and conditions shall be as intimated by the Lender to the Borrower.
Notwithstanding this, upon any such request being made by the Borrower, the Borrower shall have deemed to
have warranted and represented to the Lender that no Event of Default (defined at Clause 7 of this
Agreement) has occurred and/or is in existence or continuing.
1.6 The Loan shall be subject to the terms and conditions agreed herein between the Lender and the Borrower.

Digitally Signed by: NAZEER AHMED (9686815336)

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2. DISBURSAL OF THE LOAN
2.1 The Loan will be disbursed to the Borrower as set out in Annexure. The disbursement shall be through the
agreed mode of disbursement in the application submitted by the Borrower to the Lender and subject to the
standard terms and conditions therein, details of which are specified in Annexure
2.2 The Borrower also authorizes the Lender to disburse the Loan into the nodal account and/or the third party
account (i.e. directly to the accounts of the Institute/s and/or Merchant/s (as defined below), as set out in
Annexure).
2.3 In case the Loan (or its part) is for payment of course fees and/or availing products/services of the
institutions/ merchants, who may have a tie up with the Channel Partner /Service Provider or the Lender, as
the case may be (referred to as either "Institute/s" or "Merchant/s"), the Borrower's request for loan shall
be processed as per the standard practice of Lender and it shall be deemed as disbursed to the Borrower
once the Loan Amount or part of the Loan Amount is transferred from Lender account to the accounts of such
Institute/s. THE LOAN AMOUNT WILL BE CONSIDERED INCLUDING ANY DEDUCTION ON ACCOUNT OF
INITIAL INTEREST/SUBVENTION OR CHARGES (AS APPLICABLE).
2.4 Subject to loan and sanction terms, the Lender may either revoke the sanction or disburse the loan within 30
working days or anytime during the availability period as per Lender's internal process. Further, the Borrower
hereby expressly authorize the Lender to take instructions, required data, documents and information from
the Institute on Borrower's behalf for the purpose of disbursing the loan and opening Borrower's loan account.

2.5 In case, the Borrower is required to make advance payment of installments ( as mentioned in the Annexure),
then such installments may be either deducted from the Loan Amount or paid separately to the Lender, as
may be acceptable to the Lender. Accordingly, residual tenor under the repayment schedule may be
proportionately adjusted, as the Lender may deem fit.
2.6 The Borrower agrees that the Loan(s) may be disbursed in 1 (one) or more installments or tranches, in
accordance with the Lender's policy and sanctioned terms. Accordingly the Lender may allocate one or more
Loan Account Numbers for every tranche for better administration of Loans in accordance with its terms.
Notwithstanding anything mentioned elsewhere, the Loans shall be governed by the said Loan Documents
and/or Facility Documents.
2.7 The Borrower hereby expressly agrees to abide the said Loan documents and/or facility documents in respect
of each Loan Account Number and undertakes to pay/repay the debts in accordance with the repayment
schedule provided by the Lender in respect of each Loan Account Number as per the terms and conditions of
the Loan Agreement and/or Facility Agreement.

3. INTEREST AND CHARGES

3.1 THE BORROWER SHALL PAY INTEREST, DEFAULT INTEREST ALONG WITH PROCESSING CHARGES, LATE
PAYMENT CHARGES AND ECS/NACH/ CHEQUE BOUNCE CHARGES (COLLECTIVELY "CHARGES") AT THE RATE
AS DETAILED IN ANNEXURE HEREIN.
3.2 AN INITIAL INTEREST OF Rs.3045.0/- SHALL BE PAID TO THE LENDER BY THE
INSTITUTE/MERCHANTS ENGAGED BY THE BORROWER, ON BORROWERS' BEHALF.
3.3 While the Rate of Interest in the ordinary course for the loan shall be at the rate equivalent to the ceiling rate;
in consideration that certain portion of interest cost may be paid to the Lender by the Institutes/Channel, the
Lender has agreed with sanctioning loan on the sanctioned terms. Ceiling rate means the maximum rate of
the ceiling limit mentioned in the extant interest rate policy of the Lender available on Lenders' website,
present copy of which has been supplied to the Borrower and received in good order. As such the Borrower
agrees that interest costs are the negotiated and reasonable estimate of the return on these debts payable to
the Lender. The Borrower has thus satisfied itself of the suitability and appropriateness as to costs and
expenses for availing the sanction and accordingly the Lender shall stand indemnified by the Borrower for
any variation, losses and/or expenses.
3.4 Notwithstanding the above, the Borrower understands that the rate of interest or the other Charges may
change as per the policies of the Lender or as per applicable laws and regulations. The revised rate of interest
or other Charges shall be communicated to the Borrower through email or otherwise. On account of upward
revision of rate of interest or the other Charges, the Lender will have absolute discretion to revise the
instalments applicable to the repayment of the Loan, and the Borrower shall be liable to repay the Loan based
on such revised interest or the other Charges. The Lender shall ensure that such change in the Charges is
effected only prospectively.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
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4. Upon any Event of Default specified in Clause 7 below, the Borrower shall be liable to pay default
interest and other applicable Charges at the rate as specified in Annexure herein, with monthly
rests, from the date of default till the date of realization by the Lender. The payment of default interest and other
Charges shall not absolve the Borrower of the other obligations in respect of such breach or default or affect the
rights of the Lender in respect of the breach or default.

5. REPAYMENT AND PREPAYMENT OF THE LOAN

5.1 The Borrower agrees to repay the Loan installment(s) together with interest, default interest (if any) or the
Charges, dues and taxes (as applicable) ("Amount Due") on agreed due date/s within the period specified in
and as set out in Annexure . Borrower understands that its obligations under this Agreement, shall be valid
and binding, until the repayment of the Amount Due, to the satisfaction of the Lender.
5.2 At the request of the Borrower, the Lender may accept the prepayment and foreclosure of the Loan as per the
terms agreed under this Agreement and Annexure.
5.3 The Borrower will remain liable under/in respect of the Repayment Instrument(s) (defined below), even if
partial payments have been made towards the Loan, from time to time, or the Loan amount has been revised.
In case of death or insolvency of the Borrower, as applicable, the outstanding Loan along with Interest,
default interest and the Charges will be recovered from his/her/its legal representative/s,.
5.4 The Borrower agrees that the payment of all the amount due to Lender under this Agreement can always be
enforced against the Borrower's estate and assets and this Agreement shall be binding upon the heirs,
executors, legal representatives and administrators of the Borrower.
5.5 The Borrower have read and understood the cancellation and refund related terms & conditions/policy (T&C)
for the course fees and/or products/services (wherever applicable) as provided or made available by the
Institute/Merchant. Lender is not a party to such Product T&C which are separate/independent to the loan
facility. The Borrower shall pay the applicable refunds received by him/her/them related to course fees and/or
products/services to Lender for adjustment in the loan account. The Borrower shall ensure processing such
refunds directly to Lender by giving required instructions to the Merchant. The Lender is not obligated to
collect the refunds from the Merchant.
6. ECS / E-NACH MANDATE
6.1 The Borrower has given Electronic Clearing System ("ECS")/NACH mandate and/ or cheque (collectively
"Repayment Instrument") in favor of the Lender for the repayment of the Loan now or hereafter. The
Borrower hereby unconditionally and irrevocably authorizes the Lender or any other enforcing agency to
enforce the Repayment Instruments towards payment of the Amount Due. The Borrower shall ensure
availability of funds in the account on which such Repayment Instrument(s) have been drawn and the
Borrower shall not at any time close his/her account and/or issue any notice instructing the Lender not to
present any such Repayment Instrument(s) for encashment or instruct his/her bank to stop payment on any
such Repayment Instrument(s).
6.2 The Borrower further confirms that the Loan under this Agreement has been made available on the basis of
the Repayment Instrument(s) issued by the Borrower in favor of the Lender. The Repayment Instruments
remain valid for all Loan along with interest, default interest and other Charges.
6.3 In case the Borrower does not comply with the aforesaid, the Lender shall still be entitled to present/invoke
the Repayment Instrument(s). The dishonor/failure of the Repayment Instrument(s) shall be treated as an
Event of Default (defined below) under this Agreement.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
7. EVENT OF DEFAULT

The Borrower shall be deemed to have committed an act of default if the Borrower does not comply with his/her
obligations as mentioned in this Agreement and also on the happening of one or more of the following events
(each an "Event of Default"):

a. Default has occurred in the repayment of the Loan along with interest, default interest or the Charges on the
due date/s or on demand whether under this Agreement or under any other Agreement with the Lender;
b. In the opinion of the Lender, Borrower has breached the representations and warranties and the covenants
provided under this Agreement;
c. In the opinion of the Lender, the Borrower has defaulted in the performance of any covenant, condition or
undertaking under this Agreement;
d. The Borrower is or becomes a party to any litigation, arbitration, administrative or other action, investigation
by any governmental entity, claim, suit or proceedings which would have a material adverse effect on the
terms of this Agreement;
e. The Borrower fails to furnish any information or document that may be required by the Lender from time to
time; or
f. If any proceedings are pending or threatened against the Borrower by any Authority for any misconduct or
breach/violation of any law or regulations or code of conduct, etc.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
8. CONSEQUENCES AND REMEDIES OF LENDER IN CASE OF DEFAULT
8.1 CONSEQUENCES AND REMEDIES OF LENDER IN CASE OF DEFAULT
a. the outstanding amount of the Loan shall forthwith become payable to the Lender, without any notice to
the Borrower.
b. Lender shall have the right to terminate the Loan and declare all obligations immediately due and
payable; and/or
c. Lender shall stop advancing money or extending credit for the Borrower's benefit under this Agreement
or any other agreement between the Borrower and the Lender, and terminate the right of the Borrower
to avail of or make drawals from the loan; and/or
d. Lender may take any action and proceed under any applicable law or statute against the Borrower;
and/or
e. Lender may enforce the security interest (if applicable), if any available.
f. Lender shall report the details of default to credit bureau agencies authorized in this behalf by RBI or any
other regulatory authority, which shall adversely impact Borrowers' credit standing and future
borrowings.
g. The Borrowers agree and give irrevocable and express consent to the disclosure or furnishing by AVANSE
of all or any (a) information and data relating to the Borrowers, (b) information or data relating to Loan,
availed of/to be availed by the Borrowers and (c) default, if any, committed by the Borrowers in
discharge of their obligations under Transaction Documents, as AVANSE may deem appropriate and
necessary, to regulated third parties, debt recovery agencies, process agents, financial institutions, its
affiliates, CIBIL or any other agency authorized in this behalf by RBI or any other regulatory
authority/body or to any governmental authority, whenever any such authority seeks any information in
respect of the borrowers from AVANSE.
8.2 Further, the Lender shall have the following remedies without prejudice to its other rights and remedies under
this Agreement, in law or inequity:
a. The Lender shall be entitled to recover the charges for bouncing of the Repayment Instrument(s), default
interest and other penal charges from the Borrower as mentioned in Annexure.
b. Any other remedy which may be available under law during the pendency of the Loan including without
limitation the remedy under section 138 of the Negotiable Instruments Act, 1881 and under section 25
(1) of Payment of Settlement System Act, 2007.
c. In addition to the rights specified in this Agreement, the Lender shall be entitled to take all or any action
with or without intervention of the Courts to recover the monies due and payable by the Borrower under
this Agreement.
d. Notwithstanding any other rights available to the Lender under this Agreement, the Lender shall be
entitled to initiate criminal proceeding or any other appropriate actions against the Borrower if at any
time the Lender at its sole discretion has sufficient grounds to believe that the Borrower has made any
misrepresentations and / or submitted any forged documents or fabricated data to the Lender.
e. The Lender is entitled (but not obligated) to set-off and appropriate any of Borrower’s asset and/or
amounts standing into credit, to recover the dues from the Borrower
8.3 All rights and powers conferred on the Lender by this Agreement shall be in addition and supplemental to any
rights the Lender has as a creditor against the Borrower under any law for the time being in force and security
documents and shall not be in derogation thereof.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
9. REPRESENTATIONS AND WARRANTIES
9.1 Borrower represents and warrants to the Lender as follows:
a. upon execution by the Borrower, this Agreement will constitute a valid, enforceable and legally binding
obligation of the Borrower;
b. the terms and conditions in the Application and the information provided are binding on the Borrower.
c. there is no law, regulation, decree or act and no provision of any existing contract, agreement or
instrument to which Borrower is a party that would be contravened by this Agreement or by the
performance or observance of any of its terms;
d. all information furnished by or on behalf of the Borrower in connection with obtaining the Loan, whether
prior to the date hereof or contemporaneously with the execution of this Agreement and all information
furnished hereinafter, is and will be true, correct and complete in all material respects as on the date on
which such information is provided or certified;
e. that the Borrower has not availed any consumer service by availing or applying for the Loan.
9.2 The representations and warranties above shall be deemed to be repeated by the Borrower on and as of each
day from the date of this Agreement until all the outstanding Loan, interest, default interest and the Charges
due or owing hereunder by the Borrower to the Lender have been repaid in full.

10. COVENANTS

The Borrower hereby covenants that the Borrower shall:

a. ensure timely payment of the Amount Due and ensure that the Repayment Instrument(s) are honored on
presentation;
b. utilize the Loan only for the purpose set out at Annexure and not use the same for any other purpose
including making investment in the capital market or for any speculative purposes, unlawful purposes
and/or anti-social purpose. The Lender shall have the right to recall the Loan if the funds are used for any
speculative, unlawful and/or anti-social purposes;
c. PROMPTLY NOTIFY THE LENDER THROUGH A WRITTEN NOTICE, OF ANY CHANGE IN THE BORROWER'S
MOBILE NO., POSTAL ADDRESS OR ANY OTHER DETAILS PROVIDED IN THE APPLICATION OR THIS
AGREEMENT;
d. execute any and all documents, as the Lender may require, from time to time, for duly or more perfectly
securing the repayment of the Loan;
e. utilize any money received under an insurance claim by the borrower, including legal heirs, for the
repayment of the outstanding amount of the Loan;
f. not default or delay in the repayment of outstanding Loan amount along with interest, default interest or
the Charges and dues beyond the respective due dates;
g. not hold the Lender and/or the Channel Partner/Service Provider liable for any delay in delivery or non-
delivery of any product/ service, or for the quality, suitability or any other condition of the product/ service,
where the Loan is availed for payment of course fees and/or availing products/services of the
Institute/s/Merchant/s; and
h. not dispute and/or hold the Lender responsible for (1) non-availability or non-accessibility of the Lender's
website (i.e. www.avanse.com), electronic payment gateway, telephone(s), or office(s) of the Lender for
reasons beyond the Lender's control; or (2) any typographical error or inaccuracy on the Lender's website or
any written, e-mail & SMS communication.
i. shall immediately repay the outstanding Loan and until such repayment procure a guarantor with good
credit profile (acceptable to the Lender), in Lender's favour who shall guarantee the debts hereunder, in the
event the Borrower is required to change its state of residence for any reason including but not limited to,
seeking employment outside India or otherwise.
11. INDEMNIFICATION

The Borrower hereby expressly agrees to indemnify, defend and hold the Lender and its directors, officers,
employees, agents, attorneys or any other Person affiliated with or representing the Lender harmless against (i)
all obligations, demands, claims, and liabilities (collectively “Claims”) asserted by any other party in connection
with the transactions contemplated by the Loan documents; and (ii) all losses or expenses incurred, or paid by
the Lender, following or arising from transactions between the Lender and the Borrower (including reasonable
attorney's Charges and expenses), except for Claims and/or losses directly caused by the Lender's gross
negligence or willful misconduct.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
12. AUTHORIZATION AND DISCLOSURES
12.1 The Borrower authorizes the Lender to engage or appoint one or more person(s) to verify any fact or
information furnished by, concerning and pertaining to the Borrower and/or to collect any and all Borrower
information or activities relating to the administration of the Loan including the rights and authority to
collect and receive on behalf of the Lender all dues and unpaid installments and other amounts due by
Borrower under this Agreement. The Borrower expressly accepts and authorizes the Lender (and/or any
such third party as the Lender may appoint from time to time) to contact third parties (including the family
members of the Borrower) and disclose all necessary or relevant information pertaining to the Borrower
and the Loan, and the Borrower hereby consents to such disclosure by the Lender (and/or any such third
party as the Lender may appoint)
12.2 The Borrower also authorizes the Lender or any third party (authorized by the Lender) to collect data from
Credit Information Companies ("CICs"), as permissible by applicable regulations from time to timeby
disclosing KYC Data and other information and do necessary regulatory reporting as Lender may deem fit
12.3 The Borrower agrees and authorizes the Lender to disclose, from time to time, any information relating to
the Borrower and/or the Loan to; (a) any employee or representative of the Lender or to third parties
engaged by the Lender, from time to time, for purposes of this Agreement; (b) the CICs and other agencies
authorized by the Reserve Bank of India or any other regulatory authority, which may use, process,
disclose and furnish the said information, in any manner as it may deem fit; (c) to any group companies
and/or to any of the Lender's service providers, insurers or insurance brokers or professional advisers;
and/or credit rating agencies.
12.4 The Lender shall give notice to the Borrower of any change in the terms and conditions including the
disbursement schedule, the Charges, repayment terms, etc. The Borrower shall keep himself/ herself
abreast with all such notifications and confirms that he/ she would be bound by such change, without any
dispute.

13. LIMITATION OF LIABILITY

Borrower expressly understands and acknowledges that the Lender shall not be liable for any direct, indirect,
incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of
profits, goodwill, use, data or other intangible losses, even if the Lender has been advised of the possibility of
such damages.

14. DISPUTE RESOLUTION AND GOVERNING LAW

Any dispute or difference arising out of or in connection with this Agreement shall be referred to arbitration, in
accordance with the Arbitration and Conciliation Act, 1996. The seat of arbitration shall be at Lender's place of
business in India at a venue convenient to the Lender and the arbitration shall be conducted in the English
language. The arbitral tribunal shall constitute of a single arbitrator, to be appointed by the Lender. The award of
the arbitrators shall be final and binding upon the Parties. The parties agrees that with respect to any disputes
such arbitration can also be conducted using electronic means and the Borrower expressly consents for Lender
or the Arbitral Tribunal to avail administrative assistance (including via electronic forms) of a suitable institutions
to conduct arbitral proceedings if referred for dispute resolution. This Agreement shall be construed in
accordance with the laws of India.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
15. MISCELLANEOUS
15.1 THE BORROWER HEREBY STATES THAT THE CONTENTS OF THE LOAN DOCUMENTS HAVE BEEN READ OVER
AND EXPLAINED TO THE BORROWER IN THE LOCAL LANGUAGE UNDERSTOOD BY THE BORROWER AND
THAT THE BORROWER HAS UNDERSTOOD THE CONTENTS OF THE LOAN DOCUMENTS AND ONLY THEN
AFFIXED THE SIGNATURE TO THE SAID LOAN DOCUMENTS.
15.2 The Borrower confirms that it has taken appropriate advice and waives any defenses available under
money lending, usury or other laws relating to the charging of interest.
15.3 Prior to execution of this Agreement, the Borrower confirms that it has paid appropriate stamp duty on this
Agreement and have retained the same, as a counterpart to this Agreement in Borrower’s record. The
Borrower undertakes to furnish such counterpart in original upon written demand made by the Lender
pursuant to this Agreement. Except as otherwise provided herein, all Charges and expenses incurred in
connection with or related to this Agreement shall be paid by the Borrower. The Borrower shall be liable to
pay any tax, stamp duty, differential duty, stamp duty penalties, registration Charges, penalties as may be
incurred by the Borrower or the Lender, for performance or enforcement of this Agreement.
15.4 The parties hereto confirm and acknowledge that this Agreement, and the Annexure(s) herein, constitute
the entire agreement between them and shall supersede and override all previous communications, either
oral or written, between the parties with respect to the subject matter of this Agreement, and no
agreement or understanding varying or extending the same shall be binding upon any Party hereto unless
arising out of the specific provisions of this Agreement.
15.5 Should any part of this Agreement be declared illegal or unenforceable by a court of competent jurisdiction,
the same shall not alter the validity or enforceability of any other term or provision of this Agreement.
15.6 The Borrower shall not in any manner be entitled to assign his/her rights and obligations under this
Agreement. Notwithstanding anything to the contrary contained in the Agreement, the Lender shall have
the right (in full or in part) to assign and/or transfer and/or novate its rights or obligations under this
Agreement and/or the outstanding amount or other arrangement for risk sharing, whether with or without
recourse to the Lender, to one or more banks or any other entity, trust, any association, without any
reference or notice to the Borrower.
15.7 No amendment, modification or addition to this Agreement shall be effective or binding upon either of the
parties hereto unless set forth in writing and executed by them through their duly authorized
representatives.
15.8 The Lender is entitled to cancel/revoke the sanctioned Loan Amount/ limit at its sole discretion. Where such
decision to cancel/revoke the sanctioned limits is taken for reasons attributable to the Borrower or its credit
assessment, then the Borrower (without prejudice to other rights of the Lender) will not be entitled to any
part or proportionate refund of processing fees and Charges.
15.9 The Borrower expressly authorizes/consent to Lender and its various service providers for collections and
recovery to contact the Borrower telephonically even if the name of the Borrower appears in the Do Not
Call Register to inform the Borrower about, dues under Loan granted under this Agreement. The Borrower
also expressly declares that such telephonic calls from Lender's tele-callers or service providers will not
cause any inconvenience to him /her and/or their family members.
15.10 The Borrower expressly authorizes/consent to Lender and its various service providers/partners (a) to
market other loan, investment and any other service products of the Lender including through telecalls,
WhatsApp, other electronic communications and SMS; (b) for collections and recovery agents to contact
the Borrower telephonically even if the name of the Borrower appears in the National Do Not Call Registry
(as set out at www.donotcall.gov) (the "NDNC Registry") to inform the
Borrower about, dues under Loan granted under this Agreement. The Borrower also expressly declares
that such telephonic calls from Lender's tele-callers or service providers will not cause any inconvenience
to him /her and/or their family members.
15.11 The Lender shall at any time, without any consent of or notice to the Borrower be entitled to securitise,
sell, assign, discount or transfer all or any part of the Lender's right, title and interest in the receivables
along with the underlying security, if any, and obligations, under this Agreement or other Loan
documents, to any person(s) and in such manner and on such terms as the Lender may decide. The
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 documents.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
16. ELECTRONIC FORM - COMMUNICATION IN ELECTRONIC FORM
16.1 Borrower acknowledges and agrees that any request, notice, correspondence or any other writing
whatsoever ("Writing") required or contemplated under this Agreement may be executed and any
delivery, offer, acceptance or any other action whatsoever ("Action") in respect of this Agreement may be
undertaken in electronic form by way of a click wrap or any other electronic means of executing or
authenticating transactions ("Electronic Form") as may be enabled by Lender. For avoidance of doubt, it
is clarified that communications in Electronic Form include any Writing or Action undertaken on any
technology platform, mobile application or website provided either by the Lender (by itself or through its
authorized service providers) or availed by the Borrower (through the Channel Partner/ Service Provider
acceptable to the Lender).
16.2 Borrower hereby further confirms that any Writing or Action made or undertaken by Borrower in Electronic
Form shall be valid, binding and legally enforceable against them and it shall not raise any objection or
claim or disclaim any liability under or in relation to the validity or enforceability of a Writing or Action
solely on account of it being in Electronic Form.
16.3 The Borrower hereby declare and undertake that, (i) all the information (including electronic information),
supporting documents provided towards this Agreement and/or Application are true, correct, completed
and up to date in all respect; (ii) none of the material information is withheld or constitute
misrepresentation; (iii) The Borrower shall indemnify the Lender for any loss that it may incur pursuant to
this Agreement and/or Application ; (iv) any change in my / our address / contact details for communication
will be informed to the Lender immediately; (v) I/We, have received all the information regarding the Loan
availed from the Lender and shall comply with all the terms and conditions and pay the Charges in relation
thereto; (vi) Lender, its holding, subsidiary & associate companies, agents, partners, education institutes,
credit reporting agencies and any other entities authorized by the Lender (collectively referred to as
“associate group”) is/are authorized and entitled to use and share my/our information, for credit
assessments, any regulatory and legal purposes and to verify authenticity of any statement, residence,
employment, contact details, CIBIL or Credit history, document verification, reference checks, etc.; (vii) our
Application is subject to Lender's credit and underwriting norms and completion of verifications and checks;
and (viii) The Lender is irrevocably authorized and entitled to retain all the documents including the
Application Form for its records and references;
16.4 The Borrower hereby undertake and provide its consent to the Lender or its authorized service
providers, for sharing its/ their details with Central KYC Registry and receive KYC information
from Central KYC Registry or from UIDAI. The Borrower understand that by submitting Aadhaar
number to the Lender or its authorized service providers, the Borrower hereby authorizes the
Lender or its authorized service providers a) to collect, store, use, verify, authenticate its/their
Aadhaar number and demographic information against UIDAI database by itself or via user
Agency duly licensed by UIDAI, as permitted under the applicable law from time to time; b) to
use its/their Aadhaar number for financing, other banking and transaction services, as may be
applicable, and c) to use or obtain its/their demographic and/or biometric information through
Aadhaar based authentication (including e-KYC, Mobile OTP (One Time Password) based,
biometric and/or other lawful authentication means) as permitted under the applicable law
from time to time;
16.5 The Borrower hereby, authorize the Lender, its associate group to communicate with them by email, call,
SMS, WhatsApp, electronic communication using digital media and other channels or via any other means
in relation to any of the products, services or information of the Lender and/or for cross​selling. The
Borrower confirm that laws in relation to the unsolicited communication referred in "National Do Not Call
Registry" (the "NDNC Registry") as laid down by Telecom Regulatory Authority of India will not be
applicable for such communication/calls/SMS/messages received from the Lender, its employees, agents
and/or associates.

17. THE BORROWER HAS ENTERED INTO THIS AGREEMENT AND HAS ELECTRONICALLY OR OTHERWISE
ACCEPTED OR SIGNED THIS AGREEMENT OUT OF THE BORROWER'S OWN FREE CONSENT AND NO
UNDUE INFLUENCE OR COERCION HAS BEEN EXERCISED UPON THE BORROWER TO DO SO.
18. The Loan sanction Details/Key Fact Statement shall form an integral part of the Loan Agreement (including its
Annexures, schedules referred hereto) and shall be read along with it, wherever the context so requires. Any
reference to the 'Annexure(s)' in the Loan Agreement hereinabove shall be construed as reference to the 'Loan
Sanction Details/Key Fact Statement and shall be read and construed accordingly.

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
By Accepting/Signing this terms and conditions mentioned hereinabove, I/We, as the Borrower, hereby
acknowledge my/our acceptance and consent to the Agreement along with the Annexure, and the Terms
& Conditions, as may be applicable from time to time.

For Online Acceptance

Applied, Accepted, Authenticated, Signed and Delivered by the Borrower through electronic form, by
clicking "I Accept" button in the online system/ application/ Website made available for processing
loans with Avanse Financial Services Limited (including through its authorized service providers) as
well as entering the one time password (OTP).

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
 Declaration / घोषणा पत

Language
Sr Declaration
/ भाषा

I have understood all the terms and conditions of the agreement which have been explained to me in the language that I
1. English
understand.

2. Hindi मैने अनुबंध के िनयम व शत समझ ली ह, जो मुझे अपनी ात भाषा म समझाए गए ह.

3. Marathi मला करारना या या सव अटी व शत समज या आहे त, या मला कळणाय भाषेम ये समजावून सांग यात आ या आहे त.

4. Gujarati મે કરારના મને સમ ય તે ભાષામાં સમ વવામાં આવેલા સવ િનયમો અને શરતો સમ લીધા છે.

5. Bengali আিম চু ি র সম িনয়ম ও শত বু েঝ িনেয়িছ যা আমার বাধগম ভাষায় আমােক িবে ষণ করা হেয়েছ।

6. Assamese মই এই চু ি ৰ সকেলা িনয়ম আৰু চত বু িজপাইেছা আৰু এইিবলাক মই বু িজেপাৱা ভাষাত মাক বু জাই িদয়া হেছ।

7. Oriya ମ ୁ ଁ ଏହି ରାଜି ନାମାର ସମସ ସତ ଓ ନି ୟମାବଳୀ ବୁଝିଛି, ଯାହାକି େମାେତ ମ ୁ ଁ ବୁଝୁଥିବା ଭାଷାେର ବୁଝାଇ ଦି ଆଯାଇଛି |

8. Punjabi ਮ ਇਕਰਾਰਨਾਮੇ ਦੇ ਸਾਰੇ ਿਨਯਮ ਅਤੇ ਸ਼ਰਤ ਨੂੰ ਸਮਝ ਿਲਆ ਹੈ ਜੋ ਮੇਰੀ ਸਮਝ ਿਵੱਚ ਆਉਣ ਵਾਲੀ ਭਾਸ਼ਾ ਿਵੱਚ ਮੈਨੰ ੂ ਿਵਖਾਿਖਆ ਸਿਹਤ ਸਮਝਾ ਿਦੱਤ ੇ ਗਏ ਹਨ।

ஒ ப த ைறக ம ப தைனக அைன என ெமா வ க ப டன.

9. Tamil
அவ ைற நா ெகா ேட .

అ ి ం యమ బంధనల న అరం అరమ ష వ ంచబ . స క న మ య

10. Telugu
క

11. Kannada ಾನು ಒಪ ಂದದ ಎ ಾ ಯಮ ಮುತು ಬಂಧ ೆಗಳನು ದು ೊಂ ದು ಅವನು ನನ ೆ ಯುವ ಾ ೆಯ ನನ ೆ ವ ಸ ಾ ೆ.

എനി ു മന ിലാകു ഭാഷയിൽ എനി ു വിശദീകരി ുത കരാറിെ എ ാവ വ കളും

12. Malayalam
ഉപാധികളും എനി ു മന ിലാകുകയു ായി.

13. Konkani माका समजता या भाशेन कराराचो सोग या अटी व सत प करोन सांग या आनी या माका कळ या आसा.

14. Urdu ‫ﯿﮟ‬ ‫ﺟ ﻮ ﻣ ﯿ ﺮ ی ﺳ ﻤ ﺠ ﮫ ﻣ ﯿ ﮟ آ ﻧ وا ﻟ ﯽ ز ﺑ ﺎ ن ﻣ ﯿ ﮟ ﻣ ﺠ ﮭ ﺳ ﻤ ﺠ ﮭ ﺎ د ﺋ ﯿ ﮔ ﺌ‬ ‫ﻣ ﯿ ﮟ ﻧ ا ﻗ ﺮا ر ﻧ ﺎ ﻣ ﮐ ﺗ ﻤ ﺎ م ﻗ ﻮا ﺋ ﺪ و ﺷ ﺮا ﺋ ﻂ ﮐ ﻮ ﺳ ﻤ ﺠ ﮫ ﻟ ﯿ ﺎ‬

FOR ONLINE ACCEPTANCE

Applied, Accepted, Authenticated, Signed and Delivered by the Borrower through electronic form, by clicking “I ACCEPT”
button in the online system/ application/ Website made available for processing loans with Avanse Financial Services Limited
(including through its authorized service providers) as well as entering the one time password (OTP).

ऑनलाइन वीकृ ित के तलए

अवाांस फाइनितयल सतिवसेज तलितटे ड (इसके अितकृ ि◌ सेवा पदाािओ◌ा◌ंके ि◌◌ाि य से) के साथ ऋण की पोसेतसांग के तलए उपल ध ऑनलाइन तस ट / आवेदन / वेबसाइट
ि◌◌े◌ं"ि◌◌ुझे वीकार है " बटन पर लक करनेके साथ-साथ वन टाइि◌ पासविड(ओटीपी) दिजकरके, इले ट ◌ॉतनक प के ि◌◌ाि य सेउि◌◌ारिकाि ारा आवेतिद, वीकृ ि◌,
पाितिण, ह ता रिर और तिवरिर तकया गया।

SIGNED, SEALED AND DELIVERED BY / इनके ारा ह ता ररत, मुहरबंद और िवतररत वकया गया

_______________ _______________ _______________ _______________

Borrower Co-Borrower Co-Borrower Co-Borrower

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android
 AMMORTIZATION CHART

Instalment Instalment(in Principal(in Interest(in Outstanding Principal(in

No. Rupees) Rupees) Rupees) Rupees)

1 14500 14500 0 72500

2 14500 14500 0 58000
3 14500 14500 0 43500
4 14500 14500 0 29000
5 14500 14500 0 14500
6 14500 14500 0 0

* This is an indicative repayment schedule, subject to disbursal date, amount and subsequent repayments.*

Digitally Signed by: NAZEER AHMED (9686815336)

Date and Time: 30/12/2022 11:27:11 IST
IP: 152.58.196.219
Location: Hyderabad Browser / Platform: Chrome /
Android