LD/Cross sell Pre-Approved Loan/March 2024/v2

Loan Application Number : 400428401209

Date : 28 September, 2024

Pre-Approved Loan Agreement

Loan Details

Total Loan Amount EMI Amount Tenure Net Disbursal Amount Fixed ROI % (monthly reducing)

79968.00 9489.00 9 Months 78400.00 16.02 %

Standard Deduction

(-) Processing Fee

1328.88
(-) GST
239.20

Customer Identifiers

Aadhaar Number Driving License PAN Number

XXXXXXXX1957 NA NA
Passport Voter ID

NA NA

Customer Details

Name Date of Birth Mobile Number

MANORANJAN 02 Jun 1969 9437276617

SATPATHY
Gender PAN

Male NA
My personal email address is

nomail@[Link]
Residence Address Bank Account Details

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 S/O NIKUNJA KISHORE SATPATHY Bank Name : CANARA BANK,
CHAMPATIPATANA CUTTACK Ac. No. : 80932200002138,
ODISHA CUTTACK, ORISSA 754203 - MICR Code: 754015006,
Property Status: Owned IFSC Code: CNRB0018093

Additional Details

Are you a director of IDFC FIRST Bank? No

Are you a relative to Director of IDFC FIRST Bank? No

Are you a director of any other Bank? No

Are you a relative to Director of any other Bank? No

Are you a Senior Officer of IDFC FIRST Bank? No

Are you a relative to Senior Officer of IDFC FIRST Bank? No

Are you a Politically Exposed Person? No

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. [Link], 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
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 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.
Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 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 [Link].
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 reducing 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
20. I/We, hereby, declare the address mentioned as my current residence address. I/We also confirm, in the event of change in address due to
relocation or any other reason, I/We would intimate the new address to the Bank immediately.
21. I/We undertake and declare that if there are any changes in the particulars and information given by me/us while availing the Loan
facility, I/We shall within 30 days from the date of any such change in the particulars and information shall disclose the details of such
changes to the Bank without withholding the same.

Important Information

Loan Amount: As sanction and determined by credit appraisal process of the bank.
Processing Fees: As indicated in sanction letter

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 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
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. I hereby
provide the consent to the Bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by the Bank for the
compliance.
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.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 Sanction Letter

Date:28,September 2024
Name and Address of the Borrower
MANORANJAN SATPATHY
S/O NIKUNJA KISHORE SATPATHY CHAMPATIPATANA CUTTACK ODISHA CUTTACK, ORISSA 754203 - Property Status:
Owned
Reference application dated,28,September 2024 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 Pre-Approved Loan.

Dear MANORANJAN SATPATHY

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) 79968.00

Fixed ROI % (monthly reducing) 16.02%
Product FIRST Money - Pre-Approved Loan
Tenure (in months) 9 months
EMI Amount (in INR) 9489.00
EMI due day 3th
Mode of Payment Auto Debit
Upfront Processing Fee (in INR) 1328.88
SGST (in INR) 119.60
CGST (in INR) 119.60
Total Interest charge during the entire tenor of loan (in
5433.00
INR)
Total amount to be paid by borrower (in INR) 85401.00
Repayment frequency of the borrower Monthly

EMI due date

Disbursal date 1st EMI Presentation date

On or before 18th of the month 3rd/4th/5th/6th/7th/8th of next month of disbursal

After 18th of the month 3rd/4th/5th/6th/7th/8th of next to next month of disbursal

Example:
1. If loan is disbursed on 15th March (before 18th of the month), 1st EMI shall be presented on 3rd/4th/5th/6th/7th/8th April

[Link] this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 2. If loan is disbursed on 25th March (after 18th of the month), 1st EMI shall be presented on 3rd/4th/5th/6th/7th/8th May

Pre-EMI amount will be applicable if disbursal is after 18th of the month. Pre-EMI amount is computed daily on pro-rata basis till the
commencement of the 1st EMI. Pre-EMI, if applicable will be spread across the loan tenure and will be added to actual EMI, thus the actual
EMI charged will be slightly higher. In case of pre-term foreclosure, remaining Pre-EMI, calculated on pro-rata basis will be added to
principal outstanding.
Please note that one time processing fees and such other deduction including but not limited to deductions as applicable and appropriate
towards previous outstanding & other dues of existing loan, if any as applicable, which are closed pursuant to this Pre-Approved 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 Pre-Approved 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 : MANORANJAN SATPATHY
*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.

Charges

EMI Bounce charges per presentation 500 Exclusive of GST

Late payment/Penal charges/ Overdue interest (per 2% per month (Exclusive of GST) of the unpaid EMI or Rs 300
month) (Exclusive of GST) whichever is higher

Cheque Swap charges (per swap) NIL

Cancellation/Rebooking charges NA

Processing fees 2.00 % of the total loan amount (Inclusive of GST)

Foreclosure / Prepayment charges Nil

Part Payment charges Part Payment is not allowed

Duplicate No Objection Certificate Issuance Charges 500 Exclusive of GST

Physical Repayment Schedule 500 Exclusive of GST

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 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 500 Exclusive of GST

Visit following link to view list of authorized vendors:

Details of Lending Service Provider (LSP) acting as [Link]
recovery agent and authorized to approach the borrower [Link]

Details of allocated agent will be communicated to you via

SMS/email at the time of collection.
Visit following link to view details of nodal grievance redressal
Name, designation, address and phone number of Nodal officer:
grievance redressal officer Raise Your Issue With Our Regional Nodal Officer | IDFC FIRST Bank

Note:

a) Taxes as applicable by the Government from time to time.

b) All loans booked under this product type will be reported to the credit bureau at a consolidated level having the customer
relationship number (CRN) as the identifier.
c) IDFC FIRST Bank Ltd does not accept any payment either in cash or kind along with or in connection with its products at the
time of applying for loan. Charges pertaining to Processing fees and those prescribed in the aforementioned Schedule of Charges
are be liable for payment (if any) made in cash or kind nor shall also be held responsible for payment (if any) made to any third
party.”

APR: Annual Percentage Rate - Effective annualized interest rate (in percentage) (computed on net disbursed amount using IRR
approach and reducing method). Details for the same will be shared with the welcome kit.

Cooling–off period: The Borrower can within the cooling-off/look-up period exits the loan by paying the principal and the
proportionate APR without any penalty - Loan can be cancelled within cooling off period of 3 days with a payment of
proportionate APR/ROI.

APR, Total interest charge during the entire tenor of loan, Total amount to be paid by borrower will be shared with customer post
disbursal with the Welcome Kit.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 From,
IDFC FIRST BANK LTD
Signature not Verified
Digitally signed by IDFC FIRST BANK
Date: 28 Sep, 2024 12:22 PM
Reason:Loan Purpose
Location:Mumbai
Authorized Signatory

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 KEY FACT STATEMENT

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 5572083569 Type of Pre-Approved

1 Loan Loan

2 Sanctioned Loan amount (in Rupees) 79968.00 2

3 Disbursal schedule
(i) Yes
(i) Disbursement 100% upfront

4 Loan term (months) 9

5 Instalment details

Type of Number of EPIs EPI ( ) Commencement of

instalments repayment, post sanction

Monthly 9 9489.00 3 03-Nov-2024 4

6 Interest rate (%) and type (fixed) 16.02 % 5

7 Fee / Charges 6

Payable to the RE (A) Payable to a third party

through RE (B)

One-time / Recurring Amount (in One-time Amount (in )

) or / or Percentage
Percentage Recurring (%) as
(%) as applicable
applicable

(i) Processing fees One Time 1328.88

8 Annual Percentage Rate (Annual 20.18 % 3

Percentage Rate (APR) is annual
percentage interest rate which is calculated
including processing fees and other charges
(Facilitation fees, Easy buy card, Admin
charges, PDD charges, Loan management
charges etc. (excluding GST)) for the credit
facility availed. Credit facility is the total
loan availed including loan on asset and on

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 third party products (e.g. insurance) as
opted by you voluntarily, financed by the
Bank. (%)

9 Details of Contingent Charges (in or %, as applicable): please refer the link

1. Loan agreement number will be provided once loan application is disbursed.

2. Sanctioned Loan amount includes disbursed loan amount, processing fees, insurance charges, stamp
duty, other charges and GST
3. Final details pertaining to Disbursal Date, Loan Tenure, PRE-EMI amount, Insurance Fee, Processing
Fee, Annual Percentage Rate (APR), Stamp Duty (if applicable), EMI and Net Disbursal Amount shall
be communicated at the time of disbursal.
Pre-EMI amount, if applicable, is computed from disbursal date till the commencement of the 1st
EMI on pro-rata basis. This will be adjusted from 1st EMI leading to reduced appropriation
towards principal.
APR Calculation is excluding GST
4. If loan disbursal is between 1st to 18th of the month (M0), 1st EMI starts from immediate next month
(M1), but if loan disbursal is after 18th of the month (M0), then 1st EMI starts from subsequent to
immediate next month (M2).
EMI will be due between 2nd to 8th of every month.
5. Rate of Interest is on monthly reducing basis.
6. All charges displayed are excluding GST

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to Clause 6 (xxx) of

engagement of recovery agents FIRSTMoney Terms &
Conditions

2 Clause of Loan agreement which details Clause 16 (v) of

grievance redressal mechanism FIRSTMoney Terms &
Conditions

3 Phone number and email id of the nodal

grievance redressal officer pno@[Link]

1800 209 9771

4 Whether the loan is, or in future maybe, Yes

subject to transfer to other REs or
securitisation (Yes/ No)

5 In case of lending under collaborative lending arrangements (e.g.,

co-lending/ outsourcing), following additional details may be
furnished:
Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 Name of the originating Name of the partner RE along with its proportion of funding Blended
RE, along with its funding rate of
proportion interest

NA NA NA

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 Computation of Annual Percentage Rate

Sr. Parameter Details

No.

1 Sanctioned Loan amount (in Rupees) (Sl. no. 2 of the KFS template – Part 1) 79968.00 2

2 Loan Term (in years/ months/ days) (Sl. No.4 of the KFS template – Part 1) 9 months

a) No. of instalments for payment of principal, in case of non-equated periodic Not

loans Applicable

b) Type of EPI Monthly

Amount of each EPI (in Rupees) and 9489.00 3
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 9
(Sl. No. 5 of the KFS template – Part 1)

c) No. of instalments for payment of capitalised interest, if any Not

Applicable

d) Commencement of repayments, post sanction (Sl. No. 5 of the KFS template – 03-Nov-2024
Part 1) 4

3 Interest rate type (fixed or floating or hybrid) (Sl. No. 6 of the KFS template – Fixed
Part 1)

4 Rate of Interest (Sl. No. 6 of the KFS template – Part 1) 16.02 %

5 Total Interest Amount to be charged during the entire tenor of the loan as per 5432 3
the rate prevailing on sanction date (in Rupees)

6 Fee/ Charges payable (in Rupees) 1328.88 6

A Payable to the RE (Sl. No.7A of the KFS template-Part 1) 1328.88 6

B Payable to third-party routed through RE (Sl. No.7B of the KFS template – 06

Part 1)

7 Net disbursed amount (1-6) (in Rupees) 78400

8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 85400.00

9 Annual Percentage Rate (Annual Percentage Rate (APR) is annual percentage 20.18 % 3
interest rate which is calculated including processing fees and other charges
(Facilitation fees, Easy buy card, Admin charges, PDD charges, Loan
management charges etc. (excluding GST)) for the credit facility availed.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 Credit facility is the total loan availed including loan on asset and on third
party products (e.g. insurance) as opted by you voluntarily, financed by the
Bank. (%)

10 Schedule of disbursement as per terms and conditions Detailed

schedule to
be provided

11 Due date of payment of instalment and interest 03112024 4

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 Repayment Schedule under Equated Periodic Instalment

Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

1 79968 71547 1068 9489

2 71547 63013 955 9489

3 63013 54365 841 9489

4 54365 45602 726 9489

5 45602 36721 609 9489

6 36721 27723 490 9489

7 27723 18604 370 9489

8 18604 9363 248 9489

9 9363 0 125 9488

* Final repayment schedule will be available post disbursal

Name: MANORANJAN SATPATHY

Date: 9/28/2024

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
registered mobile number 9437276617 from IP Address [Link]
 Terms and Conditions Applicable to Pre-Approved Loan

These facility terms and conditions shall govern all the Parties and shall bind the following Parties from the date of signing/acceptance of these
terms: -

1. IDFC FIRST Bank Ltd, a Company incorporated under the Companies Act, 2013 and a banking company within the meaning of
Banking Regulation Act, 1949, having its registered office at KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai -
600031, hereinafter referred to as "Bank" (which expression shall unless repugnant to the context or meaning thereof, shall be deemed to
mean and include its successors, transferees and assigns)
2. Borrower, an individual, resident of India, whose details are given in Schedule A (hereinafter referred to as "Borrower" which
expression shall, unless repugnant to the context or meaning thereof include its successors and assigns).

The Bank, and Borrower shall be referred to individually as a "Party" and collectively as the Parties. The Parties hereby irrevocable and
unconditionally agree to abide by the following terms and conditions.
WHEREAS
A. The Bank is inter alia engaged in the business of providing financial assistance to individuals and business entities through itself.;
B. The Borrower is an individual who avails the financial services and loan products provided by the Bank ("Facility"); and
C. The Borrower shall be responsible for ensuring the complete and timely repayment of the loan amount to the Bank.

1. AMOUNT AND TERMS OF FACILITY

(a) Subject to the terms & conditions prescribed hereunder, the Bank may extend to the Borrower a loan amount ("Loan Amount") for a
period as specified in the Schedule ("Term").
(b) The Bank shall be entitled to vary at its discretion or at the request of the Borrower, the limits of the Facilities (i.e., increase/decrease
or renew) sanctioned to the Borrower.
2. DRAWDOWN
(a) The Facility shall be made available to the Borrower during the availability period as defined in the KFS, at the sole discretion of the
Bank.
(b) All transactions/withdrawal/utilization of the Facilities (in one or more tranches) will be converted to EMI with a fixed term with
applicable rate of interest as communicated by the Bank & the Schedule, as per the request of the Borrower as well as in absolute
discretion of the Bank.
(c) In the event any portion of the Loan Amount are remaining due and payable by the Borrower to the Bank, whether under this
Agreement or otherwise, the Bank may, at its sole discretion, reduce the overall limits and/or adjust such monies against the respective
limits and all such adjustments shall be treated as drawals by the Borrower.
(d) The Bank may, in its discretion and subject to no Event of Default or potential event of default having occurred and at the request of
the Borrower, renew or continue the Facilities or any part thereof for such period and in such terms and in such event all terms as
applicable for such Facilities shall mutatis mutandis apply for the rollover/extended portion of the Facilities.
(e) The Bank may, at its discretion, allows drawals by way of temporary facilities for such period as is permitted by the Bank, reserves its
right to suspend such excess drawings without any notice to the Borrower. In case of an incorrect excess borrowing, the Borrower hall
repay all such excess drawings on demand unless otherwise specified by the Bank. Till repayment of such excess drawings, the excess
drawn amounts shall carry Penal charges, unless a higher rate has been stipulated by the Bank. All the provisions of the Agreement will
extend to cover such excess drawings.
3. INTEREST / OTHER CHARGES ETC.
(a) The Borrower shall pay to the Bank interest as determined by the Bank and mentioned in the Schedule at the time of taking loan on all
outstanding amounts under the Facilities.

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 (b) The Borrower irrevocably acknowledges that any occurrence of breach of terms and conditions mentioned herein shall be deemed to
require reassessment of initial credit parameters of the Borrower and as a consequence thereof, the Borrower shall, without demur/protest
be liable to pay to the Bank, Penal charges (in lieu of the applicable rate of interest) as may be applicable, from the date of
happening/nonhappening of the relevant conditions till such conditions are complied with to the satisfaction of the Bank.
(c) Borrower is aware that penal charges mean charges which the Bank shall impose for delay in payments by the Borrower. Said charges
shall be over and above the applicable charges and interest rates as specified in the Schedule of Charges/Key Fact Statement and the same
may be amended from time to time by the Bank. It is further specified that penal charges as set out in the schedule are without prejudice
to the Bank’s right to recall the entire loan or to initiate any recovery action.
(d) The interest rate is subject to variation in consonance with RBI directions, statutory and regulatory requirements, any increase /
variation in, conditions of money market, availability of loanable funds, internal policy of the Bank, in case of deterioration of credit
ratings, events of defaults reported in bureau, GST filling related issue, deterioration in the financials or any other similar events.
(e) The Borrower shall bear all applicable taxes including GST in connection with the Agreement herein. In the event of the Borrower
failing to pay the monies referred to above, the Bank shall be at liberty (but shall not be obliged) to pay the same. The Borrower shall
reimburse all sums paid by the Bank in accordance with the provisions contained herein.
(f) All payments by the Borrower under the Agreement mentioned herein shall be made free and clear of and without any deduction of tax
or levy, except as required under the Law. Any taxes or levy so deducted by the Borrower shall be paid within the statutory time frame
AND thereafter within 7 (seven) days of depositing such payment or as provided under Law, whichever is earlier, deliver to the Bank
satisfactory evidence that the tax or levy so deducted at source has been duly remitted to the appropriate authority.
(g) 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.
(h) 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 (GST) purpose
and no credit of GST will be provided to the to the Borrower.
4. COMPUTATION OF INTEREST, COMMISSION AND OTHER CHARGES
(a) All interest, all commissions, discount and all other charges shall accrue from day to day and when debited to the relevant account
shall be calculated on the daily debit balance of such account and which shall be computed on the basis of 360 days a year and the actual
number of days elapsed.
(b) The interest and commission on the Facilities will be charged to accounts, unless specified otherwise, on a monthly basis (and in case
of closure of individual Facility account on the day of such closure) and payable by the Borrower.
(c) The Borrower/s shall pay Charges, non-refundable upfront transaction/processing fees, and other charges as and when applicable.
(d) 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, taxes as applicable from 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.
(e) Borrower hereby agrees and confirms that in case wherein the Borrower avails any third-party services through the Bank then the
fees/ charges applicable for the said third party services shall be deducted from the Loan amount and the Bank shall not be held liable for
the services provided by such third party. It shall be the sole discretion of the Borrower to opt for such third-party products and services

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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 and for any changes/cancellation on booking of such products will need to be done through relevant third party as per their product T&C.
Bank shall not be liable for any claims and damages arising out of or in relation to third party product and services availed by the
Borrower.
5. REPAYMENT
(a) The Borrower shall make the payment through alternate channels enabled by Bank ("Repayment Mode") in the form of Net
Banking/Debit Card/UPI and/or Standing Instruction/ECS/NACH ('Mandate') from Borrower owned KYC compliant account to the
Bank.
(b) The Borrower shall repay the Loan Amount availed under this Agreement and interest thereon in EMIs as specified or as may be
specified by the Bank from time to time (time being the essence of the contract). The interest shall be at such rate which has been
indicated by the Bank to the Borrower, at the time of availing/utilizing the Facility and as also as communicated to the Borrower
thereafter. The interest calculation will start from the date of the confirmation of the request for availing the facility by the Borrower. The
amount of the EMIs together with other details of the Loan Amount (including rate of interest) shall be also communicated to the
Borrower at his/her registered email/mobile number.
(c) The amount of EMI due for a particular month shall subsequently be reflected in the statement of that particular month. Bank is
authorised by the Borrower to debit his/her Bank account as has been intimated to the Borrower. Upon repayment by the Borrower, the
Cash Limit / Credit Limit shall be reinstated to the extent of the amount of principal component of the drawdown EMI repaid by the
Borrower.
(d) The borrower agrees that in an event of partial cancellation of the loan, the amount for which the cancellation is applied shall be
treated as part payment in the loan and a revised repayment schedule shall be drawn basis the remaining outstanding principal amount of
the loan with the effect on the tenure of the loan.
(e) The Borrower shall be required to pay the entire amount of a tranche, the EMI for a particular month on the payment due date, as
mentioned in the KFS determined by the Bank and indicated by the Bank and the same shall not be permitted to be carried forward/
included in the next month. In the event the payment is not made by the due date as specified, it shall be construed as a default by the
Borrower and the Borrower shall become liable to pay the amount together with the interest as may be leviable on his Facility and late
payment charges, as specified by the Bank.
(f) Notwithstanding anything in this Agreement, the Parties agree that the Borrower shall, at all times, have the right to make repayment
to the Bank in whole or part of the Loan Amount. Charges if any, will be applicable as per the schedule of charges. The Borrower has
perused, understood and agreed to the Bank's method of calculating repayment amount EMI's as also the appropriation thereof into
principal and interest.
(g) The Bank may at any time, without assigning any reasons and without notice to the Borrower cancel the unutilized and/or drawn
portion of the Facilities or any part thereof and demand repayment thereof, and thereupon the principal amount outstanding together with
all interest, charges expenses etc. thereon shall become immediately due and payable by the Borrower to the Bank.
(h) 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.
(i) If the due date in respect of any amounts payable under the Facilities falls on a day which is not a business day at the place where the
payment is to be made, the immediately preceding or succeeding business day shall be the Due Date for such payment.
(j) The Borrower shall reimburse all sums paid and/or expenses incurred by the Bank (including by or on behalf of their
representatives/consultants/appraiser) in relation to the Facilities immediately. All such sums shall carry interest from the date of payment
till such reimbursement at the applicable rate of Interest or such other rate as may be stipulated by the Bank and the Borrower hereby
authorizes the Bank to debit any of its account for the aforesaid charged together with interest.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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 (k) The Borrower agrees, declares and confirms that, notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other
Law, or any terms and conditions to the contrary contained herein, the Bank may, at its absolute discretion, appropriate any payments
made by the Borrower under this Terms and Conditions or otherwise, towards the dues payable by the Borrower to the Bank under this
Terms and Conditions and/or other agreements entered into between the Borrower and the Bank and in any manner whatsoever.
(l) Credit for all payments will be given only on realization or on the relative due date, whichever is later.
(m) 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
interest; (d) Fourthly, 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.
(n) 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.
(o) 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.
6. REPRESENTATIONS AND WARRANTIES
(a) The Borrower hereby represents, warrants, assures and confirms as applicable to it, that:
(i) By clicking on the tab/ button/ checkbox of "Confirm" or any other button/ checkbox of similar nature: (i) Borrower confirm that
Borrower is eligible under Applicable Law to avail the Facility, (ii) Borrower consent to avail and use the Facility as per the terms and
conditions of these Facility Terms and Conditions; and (iii) Borrower consent to receive communications, notices regarding transactional
& promotional communication from Bank , service providers, authorized third parties etc. (whether through SMS, WhatsApp, emails,
phone calls, automated phone calls or by any other means). 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. Borrowers agree that Borrower will not hold Bank, nor will any such communication amount to spam, unsolicited
communication or a violation of Borrower registration on the national do not call registry. The Borrower(s) have agreed to this Facility
Terms and condition by click wrap method or by physically consenting as the case may be and the same is construed as express consent
under the existing laws of India. The Facility terms and conditions set out herein shall be applicable to the Facility/Loan provided/ to be
provided by the Bank to the Borrower(s).
(ii) Authorize the Bank to make any enquiries regarding my application and make any queries/verification with any other finance
company/bank/credit bureau agencies/ account aggregator/statutory bodies etc. as may be required or as they may deem fit and shall not
hold the Bank (or any of its group companies or its/their agents/representatives) liable for use/sharing of this information. Except to the
extent disclosed to the Bank, no director or a relative/near relation (as specified by RBI) of a director of a banking company (including
the Bank) or a relative/near relation (as specified by RBI) of a senior officer of the Bank (as specified by RBI) is the applicant(s), 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.
(iii) Hereby consent to receiving information from Central KYC Registry CERSAI through SMS/Email on my registered number/email
address. I hereby provide the consent to bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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 the Bank for the compliance. I 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 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. I confirm having declared my 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.
(iv) The Borrower hereby override my/our NDNC registration and give consent to the Bank or its Authorized Agents and third party
service providers to use information/data provided by the Borrower to contact him through any channel of communication including but
not limited to email, telephone, SMS, etc. and further authorize the disclosure of the information contained herein to its affiliates or their
Authorized Agents or Third Party Service Providers in order to provide information and updates to the Borrower on various financial and
investment products and offering.
(v) Has given complete and correct information and details in the application form about himself/herself.
(vi) The Borrower hereby undertakes to keep the Bank informed of any change in the Borrower's e-mail ID, Telephone number, Mobile
number and Address. The Borrower authorizes the Bank to update the contact information change that the Bank may be informed of and
hereby authorizes the Bank to contact the Borrower at the updated contact details, by post, phone, e-mail, SMS/text messaging.
(vii) The Borrower hereby represent, warrant and confirm that the purpose of this Facility is personal consumption and also agree and
undertake to utilize the Facility only for the above-mentioned purpose and that the Facility shall not be used for any of the following
purposes:
Illegal & antisocial activity;
Purchase of gold in any form including primary gold, gold bullion, gold jewellery, gold coins, units of Gold Exchange Traded
Funds (ETF) and units of gold Mutual Funds except for working capital requirement and nor to the silver bullion dealers which
are likely to be utilized for speculative purposes.
Speculative investment in real estate;
Investment in securities, debentures or the stock markets;
Money lending activities;
Speculative activity not mentioned above; or
Any other activities for which the Facility is not extended.
(ix) the Borrower understands and confirms that if Aadhar OTP based EKYC/non-face to face KYC method has been used to create an
account up to Rs 60000 with validity of 12 months (or as per the prevailing RBI compliance around the same) here then the borrower has
not & will not use Aadhar OTP based EKYC/non-face to face KYC method to open any other account with any third party Regulated
Entity (RE) as defined by RBI until and unless the KYC is upgraded.
(x) the Borrower has the power and authority to execute, deliver and perform this terms & conditions and the same does not conflict with
any Law, constitutional document, any other documents to which the Borrower is a party.
(xi) The Borrower confirms that his/her Nationality is Indian.
(xii) all accounts and financial statements furnished by the Borrower to the Bank have been prepared in accordance with accounting
standards and practices in force in India and present true and fair financial position of the Borrower.
(xiii) no event or circumstance is outstanding which constitutes a default under any other agreement or instrument which is binding on the
Borrower or its Affiliates or to which its assets are subject, which might have a material adverse effect.
(xiv) All statutory dues and taxes have been paid (save and except as disclosed in writing to the Bank).
(xv) the information furnished by the Borrower or the Bank in connection with or for obtaining the Loan Amount/Facilities is true,
complete and correct and not misleading in any material respect.
(xvi) neither the Borrower, nor any person acting on its behalf, has been engaged in (i) corrupt practices, fraudulent practices, collusive
practices or coercive practices in connection with the Borrowers business and operations, (ii) money laundering or acted in breach of any
Laws relating to money laundering; or (iii) the financing of terrorism.
(xvii) the Borrower has not committed any breach under any agreement entered into with any person for availing any finance facility and
neither the Borrower are facing any litigation initiated by another financier including banks.
(xviii) the Borrower agrees that the customer grievances around account updation, refunds and loan closures will be responded by a
designated authority of the bank within defined timelines as per bank's policies.

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 (xix) the Borrower agrees that the loan will be reported in Bureau as a Pre-Approved Loan & note that it generally takes up to 45-60 days
for payment/closure/regularization etc. of the facility, to reflect in the bureau.
(xx) the Borrower hereby agree to abide 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 time to time. The Borrower confirms 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. The Borrower
confirms 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), 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. If the Borrower provides deemed address proof, then within 3 months
from date of disbursal, the Borrower will share the updated Officially Valid Document with the current address.
(xxi) 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) he/she is not a director or specified near relation of a director of a
banking company; (iii) he/she is not a specified near relation to any senior officer of the Bank.
(xii) that neither the Borrower nor any other person benefiting in any capacity in connection with or from this Agreement and/or any
instruments and/or payments thereunder is a Specially Designated National (SDN) and/or otherwise sanctioned, under the sanctions
promulgated/issued by India and/or any other country from time to time (collectively, the "Sanctions"). This representation will continue
to remain valid till the repayment of all amounts under this Agreement and conclusion of the underlying transaction pursuant to the
Agreement.
(xxiii) 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 (d) where the Borrower is a Trust or Society, none of the trustees of the Trust or
the members of the Society, is a specified near relation of any senior officer of the Bank.
(xxiv) 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.
(xxv) he Borrower hereby undertakes that the Borrower shall not close the account on which the PDC/SI/ECS is issued and also shall not
change the authorized signatory/ies to the said account (where the Borrower is a company/ partnership firm) without the prior consent of
the Bank. Further, the Borrower hereby undertakes and confirms that PDC/SI/ECS/NACH mandate issued under these Terms and
Conditions shall continue and remain in force till such time all other Dues under these Terms and Conditions and in respect of all other
loan/ facility obtained/to be obtained by the Borrower from the Bank, and/or its affiliates are fully discharged and the Bank/ group
companies are fully discharged and the Bank and/or its affiliates issue a certificate of discharge. The PDC/SI/ECS/NACH mandate issued
under these Terms and Conditions and the liability of the Borrower shall not be affected impaired or discharged. The Borrower covenants
that the PDC/SI/ECS/NACH provided by the Borrower shall remain valid for the balance due to the Bank, or any other financial benefits
obtained by the Borrower from any of the affiliates of the Bank.
(xxvi) I hereby provide the consent to bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by
the Bank for the compliance.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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 (xxvii) I/We undertake and declare that if there are any changes in the particulars and information given by me/us while availing the Loan
facility, I/We shall within 30 days from the date of any such change in the particulars and information shall disclose the details of such
changes to the Bank without withholding the same.
(xxviii) There is no litigation, pending or threatened against the Borrower or their notices issued on the Borrower under the applicable
laws including but not limited to under Section 281 of the Income Tax Act, 1961.
(xxix) The PDC/SI/NACH will at all times remain valid and subsisting and will be honored throughout the term of any of the credit
facilities sanctioned by the Bank to the Borrower.
(xxx) Recovery Agent - Borrower hereby authorizes the Bank to appoint Recovery Agents and thereby consents and agrees that the Bank
shall be entitled to disclose to such recovery agents/third parties all necessary and relevant information pertaining to the Borrower(s)and
the loan and the borrowers hereby consent to such disclosure by the Bank, notwithstanding anything contained in this Agreement, the
Borrower(s) expressly accepts and authorizes the Bank (and/ or any such recovery agents/third party as the Bank may select) to contact
Borrower (including any person related to the Borrower(s) and disclose all necessary and relevant information pertaining to the
Borrower(s).
(xxxi) 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 Borrower hereby
agree and confirm that all risks shall be fully borne by him and he assumes full responsibility for the same. The Borrower will not hold
the Bank liable for any losses or damages including legal fees arising owing to any miscommunication or technological error beyond the
control of the Bank.
(xxxii) The Bank shall not be liable or responsible for any breach of secrecy owing to communication/documents being sent digitally.
The Borrower shall verify the authenticity of the emails, instant messaging app etc., and shall not hold the Bank responsible for any
statements received from frauds / imposters. The Borrower shall not hold the Bank liable if any problem arises with his/their
computer/mobile network. The Borrower understand and agree that the email statements, SMS, documents, communications will only be
sent to the first holder of either registered email id/registered Cell No/registered WhatsApp number. The Borrower shall inform the Bank
in writing if there is any change in his/their communication address. The Bank shall not be responsible incase if the Borrower's do not
receive the statements due to incorrect communication address provided by the Borrower or due to technical reasons. The Borrower
undertakes to take all necessary steps to ensure confidentiality and secrecy of the login name and password of the internet / email account.
(xxxiii) The 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.
(b) All representations and warranties of the Borrower contained herein shall survive the execution, delivery and/or termination of this
Agreement and until the Facilities has been repaid in full.
(c) The Borrower will be deemed to have renewed each of these representations and warranties every time it avails the Facilities under
this Agreement.
7. CONDITIONS PRECEDENT TO DISBURSEMENT
The Bank shall not be obliged to disburse the Loan Amount unless and until, the Borrower shall have complied with the disbursement
conditions and/or such other conditions as may be stipulated by the Bank from time to time. Further, the Borrower undertakes that the
Loan Amount availed from the Bank will not be used for any unlawful, illegal and anti-social activity or any other activity for which this
facility is not extended.
8. COVENANTS AND UNDERTAKINGS OF THE BORROWER
The Borrower undertakes and covenants that the Bank, so long as the Facilities or any part thereof are outstanding, and until the full and
final payment of all money owing hereunder as far as applicable to it, it shall:
(a) Positive Covenants
(i) Notify Bank of the occurrence of any event or the existence of any circumstances which constitutes or results in any declarations,
representations, warranty, covenants or condition under this Agreement and/or the other agreement being or becoming untrue or incorrect
in any respect.
(ii) Inform Bank of any litigation, arbitration or other proceedings, which have a Material Adverse Effect, within a period of two Business
Days upon the same being instituted or threatened by any person whatsoever.

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 (iii) Inform Bank about any proposed action by the Borrower or action taken by any other person under any insolvency/bankruptcy laws
against the Borrower.
(iv) If required by Bank at any time, deliver to the Bank: (a) copies of all documents issued by the Borrower to all its creditors (or any
general class of them) at the same time as they are issued; (b) such information and records (financial or otherwise) about the Borrower’s
business, as may be required by the Bank from time to time in relation to the Facilities within the period specified by the Bank (c) a
certificate from the statutory auditor of the Borrower or independent chartered accountant that the proceeds of the Facility(ies) has been
utilized for the Purpose as and when demanded by the Bank; (d) stock and book \ debt statement at such intervals as may be required by
the Bank, from time to time.
(A) unaudited semi-annual profit and loss statements and balance sheets, within sixty days, or such other period as reasonably required by
the Bank, of the close of each semi-annual period;
(B) independently audited annual accounts within six months, or such other period as reasonably required by the Bank, of the close of
each financial year; and
(C) such other statement or statements or information pertaining to the operations of the Borrower as the Bank may reasonably require,
within such period as required by the Bank.
(v) Perform, on request of the Bank and at the expense of the Borrower, such acts as may be necessary to carry out the intent of this
Agreement including but not limited to executing and delivering such further agreements, undertaking, declarations, assurances and
writings.
(vi) Promptly inform the Bank of any distress or other process of court being taken against any of the Borrowers premises and/or property
and/or assets.
(vii) Notify the Bank of any material loss or damage which the Borrower may suffer due to any event, circumstance or act of God.
Further, the Borrower agrees to intimate the Bank from time to time, details of insurance claims lodged/ filed and received by the
Borrower.
(viii) File all relevant tax returns and pay all its taxes/duties promptly when due.
(ix) Comply with such other conditions as may be stipulated by the Bank from time to time on account of requirement of any Law.
(x) If required by Bank at any time, submit to the Bank the information etc. as envisaged under RBI circular No. [Link].94
/08.12.001/2008-09 dated 8th December 2008, as amended/replaced from time to time.
(xi) Ensure all its assets that are material to the conduct of its business are in good operating condition, subject to ordinary wear and tear.
(xii) Ensure that the transactions entered into pursuant to the Agreement do not violate any Sanctions, directly or through persons or
entities subject to any Sanctions, which may pertain inter alia, to the purpose and/or end use of the Facility, goods manufactured in or
originated from/through certain countries, shipment from/to/using certain countries, ports, vessels, liners and/or due to involvement of
certain persons and entities.
(b) Negative Covenants
The Borrower covenants and undertakes that, so long as the Facilities or any part thereof are outstanding, and until full and final payment
of all moneys owing hereunder, the Borrower shall not, without the prior written consent of the Bank:
(i) Contract, create, incur, assume or suffer to exist any indebtedness, except as otherwise permitted under this Agreement or prepay any
indebtedness;
(ii) Make any investments whether by way of deposits, loans, or investments in share capital or otherwise, in any concern. This provision
shall not apply to loans and advances granted in the ordinary course of business; and
(iii) The Borrower shall not file any application for seeking immunity under any Law without obtaining prior written consent of the Bank;
(iv) permit of effect any direct or indirect change in the legal of beneficial ownership or control;
(v) Change /cease/retire from/terminate/resign from the present employment/profession /business disclosed in the Applications; or
change, terminate or open any bank account.
9. EVENTS OF DEFAULT AND CONSEQUENCES THEREOF
(a) The occurrence of any one or more of the following events shall constitute an "Event of Default" under this Agreement:
(i) The Borrower fails to pay/repay any monies in respect of the Facilities on the due dates, whether at stated maturity, by acceleration or
otherwise;

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 (ii) Breach of any statement, representation, warranty or confirmation or covenant made herein or Borrowers proposal / application or in
this Agreement or otherwise on the part of the Borrower/third party;
(iii) Any other event/material change which prejudicially alters the Banks interest or may have Material Adverse Effect including but not
limited to nationalization/expropriation and/or compulsory acquisition of the Borrower and/or its assets by the authority of government;
(iv) The Borrower is in breach/default of any agreement with any person who has provided loans, deposits, advances, guarantees or other
financial facilities to the Borrower;
(v) The Borrower commits identity theft, fraud or delinquency.
(vi) Any steps taken by the Borrower under the insolvency or bankruptcy Law.
(vii) Filing of petitions as against the Borrower under any bankruptcy or insolvency law or if the Borrower has taken or suffered to be
taken any action for its reorganization or if a receiver has been appointed over all or any part of the assets of the Borrower.
(viii) If any attachment or distress or restraint has been levied on the Borrower's assets or any order/certificate has been passed for
recovery of dues and such order or judgment is not vacated, discharged or stayed for a period of 30 days, and such judgments or orders
involve in the aggregate a liability which could have a Material Adverse Effect;
(ix) Any legal, quasi-legal, administrative, arbitration, mediation, conciliation or other proceedings, claims, actions or governmental
investigations of any nature pending against the Borrower in management of the Borrower or any of its assets which individually or in the
aggregate would, if adversely determined, have a Material Adverse Effect.
(x) The Borrower is unable or has admitted in writing its inability to pay any of its indebtedness as they mature or when due;
(xi) Any consent, authorization, approval or the like, or license of or registration with or declaration to government or statutory or
regulatory authority made by the Borrower for entering into this Agreement and/or other Agreement is revoked or terminated and is not
in full force and effect;
(xii) The death, lunacy or other disability of the Borrower;
(xiii) 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;
(xiv) 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;
(xv) fall, reduction or decrease, in the opinion of the Bank, in values of any security lower than the values required by the Bank;
(xvi) 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.
(xvii) if the loan amount is used for investment made in shares, debentures, advances and inter-corporate loans/deposits to other
companies (including subsidiary companies).
(xviii) The Borrower shall ensure that neither the Borrower nor any director/member of the Borrower has been declared a willful
defaulter; in case any director/member has been declared as a willful defaulter, the Borrower shall take expeditious steps for removal of
such person.
(b) Upon occurrence of an Event of Default, the Bank shall be entitled, by a notice, to:
(i) declare the Facilities, together with accrued interest and other monies, to be immediately due and payable and upon such declaration,
the same shall become immediately payable by the Borrower;
(ii) declare that all undisbursed portion of the Facilities shall stand cancelled, whereupon the same shall be cancelled; and
(iii) exercise any or all rights and recourses available under this Agreement and/or under applicable Law/
(iv) impose Penal charges 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.
(c) 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

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 present and future stocks, shares, securities, property, book debts, all moneys in all accounts whether current, 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. Bank shall be at the liberty to deny
issuance of No Dues Certificate in event of cross default.
10. UNDERTAKING
The Borrower hereby undertakes to hold harmless and save the Bank against : (a) any claims, losses or damages, costs, charges and
expenses including litigation expenses whatsoever which may be brought or made against or sustained or incurred by the Bank (and
whether paid by the Bank or not) or which the Bank may become liable under or in respect of this Agreement; (b) action or proceedings
made or brought against the Bank; (c) any liability or loss incurred or suffered by it, or agents; (d) every payment made, obligation,
liability, loss and damage, penalties, taxes, etc. whatsoever undertaken or incurred or suffered by the Bank (whether directly or indirectly)
under or in connection with and/or arising under this Agreement; and/or (e) against any liability, loss, damages, costs and expenses
(including legal expenses) awarded against or incurred or paid by the Bank as a result of Bank granting the Facilities as herein mentioned,
without deducting tax in India whether or not such payment attracts withholding tax in India or requires due certification by a qualified
accountant
11. DISCLOSURE
(a) The Borrower agrees that in addition to any other rights enjoyed by the Bank, in the event of the Borrower committing any default, the
Bank shall be entitled to disclose to the RBI or any other statutory or regulatory authority or to any other third person, the name/identity
of the Borrower and/or its directors/ trustees and the default committed. In case of default in payment of any of the indebtedness to the
Bank, the Bank or the RBI will have an unqualified right to disclose or publish the name of the Borrower and/or its directors/trustees as
defaulters (including as willful defaulters) in such manner and through such medium as the Bank and/or the RBI in their absolute
discretion may deem fit. The Borrower further agrees that the Bank may, as it deems appropriate and necessary disclose and furnish to
TransUnion CIBIL Limited (formerly known as Credit Information Bureau (India) Ltd ("CIBIL") and any other agency authorized in this
behalf by RBI all or any of the following:
(i) information and data relating to the Borrower;
(ii) the information or data relating to the Facilities availed of/to be availed, by the Borrower; and
(iii) the information and details of the default, if any, committed by the Borrower, in discharge of the indebtedness.
(b) The Borrower agrees and undertakes that:
(i) CIBIL, CRIF, Experian, Equifax and any other agency so authorized may use, process the said information and data disclosed by
borrower and/or the Bank in the manner as deemed fit by them; and
(ii) CIBIL and any other agency so authorized may furnish for consideration, the processed information and data or products thereof
obtained by them, to banks/ financial institutions and other credit grantors or registered users, as may be specified by the RBI in this
behalf.
(c) Bank may at the risk and cost of the Borrower engage one or more person(s) to verify any facts or information furnished by,
concerning or pertaining to the Borrower and/or in relation to this Agreement and/or to collect the indebtedness and may furnish to such
person(s) documents, information, facts and figures as the Bank thinks fit and may delegate to such person(s) the right and authority to

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 perform and execute all acts, deeds, matters and things connected therewith or incidental thereto as the Bank may think fit. The Bank
shall be entitled to carry inspections at such intervals, as it may deem fit.
(d) The Borrower hereby agrees and confirms that the Bank will have the right to disclose and share any personal information pertaining
to the Borrower including, but not limited to, credit facility/ies, constitution, net worth, shareholding of the Borrower with (i) any other
bank(s)/financial institution(s) in the form and manner prescribed by the RBI; (ii) any agent, contractor, third party service provider or
professional adviser (wherever situated) of the Bank, for its business purpose, web analytics, data processing, advertising, e-mail
distribution, payment processing, order fulfilment, and other services. ; (iii) any person to (or through) whom the Bank assigns or
transfers or novates (or may potentially assign or transfer or novate) all or any of its rights or obligations under this Agreement or any
other Agreement; (iv) any person to whom the Bank is required to make disclosure under the requirements of any law, regulation,
guidelines (whether SEBI, RBI etc.) or practice.
12. SET-OFF
In the event of an Event of Default, the Bank may apply all sum(s) from time to time standing to the credit of any account, whether held
singly or jointly, in the name of the Borrower or any other account, of which the Borrower is the beneficial owner maintained with the
Bank, irrespective of the title or the currency of such account, towards satisfaction of any amount due as well as outstanding under the
Facilities and sign all such documents as may be required to effect such application and the Bank shall have a paramount right of lien &
set off on all securities, documents, title deeds of properties etc. of the Borrower and all monies which may now or hereafter be payable
by the Bank to the Borrower for any reason or purpose whatsoever. The Bank may at any time and without notice to the Borrower
combine or consolidate all or any of the accounts held in the Borrowers name or any other account of which the Borrower is the (sole)
beneficial owner with any branch or of the Bank irrespective of the title or the currency of such account.
13. WAIVER
No delay in exercising or omission to exercise any right, power or remedy accruing to the Bank upon any default or otherwise under this
Agreement or the other Agreement shall impair any such right, power or remedy or shall be construed to be a waiver thereof or any
acquiescence in such default, nor shall the action or inaction of the Bank in respect of any default or any acquiescence by it in any default,
affect or impair any right, power or remedy of the Bank in respect of any other default. The rights of the Bank under this Agreement and
the other Agreement may be exercised as often as necessary, are cumulative and not exclusive of their rights under the general law and
may be waived only in writing and specifically and/or the Banks sole discretion.
14. APPOINTMENT OF THIRD PARTIES BY THE BANK
(a) The Borrower hereby agrees, aware and accepts that for the better and more effectual doing and performing of actions related to the
Facility.
(b) The Borrower accepts that the Bank shall without prejudice to its right to perform the activities itself or through its officers or
employees or other authorised agents, be entitled, and have full power and authority, to appoint one or more third parties and delegate to
such third party all or any of its functions, rights and powers under this Agreement relating to the administration of the Loan including the
right to collect and receive on behalf of the Bank all the dues under this Agreement and give valid and effectual receipts and discharge to
the Borrower and to perform and execute all lawful acts, deeds, matters and things connected herewith or incidental hereto. For the
purpose aforesaid or any other purpose which the Bank at the sole discretion may deem fit, the Bank shall be entitled to disclose to such
third parties all necessary and relevant information pertaining to the Borrower.
15. EXCLUSION OF LIABILITY
a) In no event shall IDFC FIRST Bank Limited be liable to the Borrower for any special, incidental, indirect, punitive or consequential
damages whatsoever (including, without limitation, damages of loss of goods or services, or any other pecuniary loss) arising out of the
use of, or inability to avail the facility/defective product, including breach of contract or warranty, negligence or other tortious action, or
any other claim arising out, the Borrower’s use of or access to the Product /Plan /Facility.
b) Further, IDFC Bank Limited shall have no liability to the Borrowers in respect of any loss or damage arising directly or indirectly out
of:
(i) any defect in any Product supplied;
(ii) delay in delivery or non-receipt of Product purchased;
(iii) acts done by IDFC FIRST Bank Limited on the instruction of any person impersonating himself/herself as a Borrower;
(iv) the exercise by IDFC FIRST Bank Limited of its right to terminate the Facility; or

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 c) IDFC FIRST Bank Limited holds out no warranty or makes no representation about quality, delivery or otherwise of the Product.
d) Notwithstanding anything to the contrary contained herein or under any other transaction documents, the provisions of this clause
(Exclusion of Liability) shall survive the termination of the Agreement.
16. MISCELLANEOUS
(a) Notwithstanding anything contained in the loan transaction documents, IDFC FIRST Bank hereby confirms that IDFC shall not levy
any penal interest. Bank shall levy only Penal charges as mentioned in Schedule of charges/KFS.
(b) All notices, requests, demands, waivers or other communications under or in connection with this Agreement shall be given in
writing. Any such notice or other communication will be deemed to have been duly given and being received if: (a) if by personal
delivery on the day after such delivery, (b) if by registered mail, on the third Business Day after the mailing thereof, (c) if by next-day or
overnight mail/courier or delivery, on the day delivered, (d) if sent by email/facsimile, when sent (on receipt of a confirmation to the
correct facsimile number). Provided, however, that no notice or communication to the Bank shall be effective unless actually received by
the Bank. Notices or communication may be made to: (i) the Borrowers address or facsimile number or e-mail id, and (ii) the Banks
address or facsimile number specified in Schedule I hereof, or to such other address or facsimile number as may be designated by the
Borrower and the Bank in writing to each other.
(c) All notices, requests, demands, waivers, or other communications (including customer Copy of Loan Agreement, Key Fact Statement,
Welcome Letter etc., under or in connection with this Agreement shall be given in writing by mail, e-mail, or fax as mentioned under the
Schedule. Any such notice or other communication will be deemed to have been duly given it: (a) delivered personally;
(b) sent by registered mail with postage prepaid; (c) sent by next-day or overnight mail/courier or delivery; or (d) sent by email/ facsimile.
Borrower confirms that all risks shall be fully borne by him, and he assumes full responsibility for the same. Borrower agrees to
immediately intimate the Bank of any change in the postal address, email ID and acknowledges that the Bank shall not be liable for any
loss or damage that may be caused to the Borrower owing to change in address. (d) The entries made in the accounts / account books /
records of the Bank maintained in accordance with its usual practice and in compliance with the statutory requirements and/or a statement
signed by a designated officer of the Bank, shall be final and binding on the Borrower. Such entries and/or statement shall be prima-facie
and conclusive evidence of the existence and amount of obligations of the Borrower as therein recorded in respect of the Facilities.
(e) Subject to the provisions of the Recovery of Debts Due to Banks and Financial Institutions Act, 1993, the Courts/Tribunals in the city
where the branch of the Bank is situated shall have exclusive jurisdiction in relation to this Agreement and all matters arising in
connection herewith. Provided that nothing contained in this Section, shall limit the right of the Bank to take proceedings in any other
Court or Tribunal of competent jurisdiction, nor shall the taking of proceedings in one or more jurisdictions preclude the taking of
proceedings in any other jurisdiction, whether concurrently or not and the Borrower irrevocably submits to and accepts for themselves
and in respect of their property, generally and unconditionally, the jurisdiction of such court or tribunal, and the Borrower irrevocably
waives any objection it may have now or in the future to the laying of the venue of any proceedings and any claim that any such
proceedings have been brought in an inconvenient forum irrevocably waives any objection it may have now or in the future to the laying
of the venue of any proceedings and any claim that any such proceedings have been brought in an inconvenient forum
(f) The Borrower shall not assign or transfer or novate all or any of its rights, benefits or obligations under this Agreement and the other
Agreement without the approval of the Bank. The Bank may, at any time, sell, assign or transfer or novate or allow risk participation all
or any of its rights, benefits and obligations under this Agreement and the other Agreement to any person(s) of the Banks choice in whole
or in part and in such manner and on such terms as the Bank may decide without any reference to the Borrower. In case the Bank assigns
a part of the disbursed Facility to any person without the consent of the Borrower, such disbursed portion which has been assigned would
constitute a separate and distinct loan and the Borrower shall not raise any objection or defense under Law, including any objection in
terms of Order 2 Rule 2 of Code of Civil Procedure, 1908 or otherwise. The Borrower shall, unless otherwise notified by the Bank,
continue to make all payments under this Agreement to the Bank and all such payments when made to the Bank shall constitute a full
discharge to the Borrower from all its liabilities in respect of such payments.
(g) Any provision of this Agreement, which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of prohibition or unenforceability but that shall not invalidate the remaining provisions of this Agreement or affect such
provision in any other jurisdiction.
(h) The Borrower hereby agrees and confirms that in case any other person providing any financial assistance to the Borrower imposes
any conditions not included herein, or in case any of the terms offered by the Borrower to such person is more favorable to such person

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 than the terms stipulated by, or offered to, the Bank, the Borrower shall promptly inform the Bank of such terms or conditions and such
of those terms and conditions as may be considered necessary by the Bank, in its discretion, shall apply to the Facilities as if the Borrower
had specifically agreed to such terms and conditions, which terms and conditions shall be deemed to have been expressly incorporated
herein.
(i) 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.
(j) 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.
(k) The Facility, this document/other documents, shall be governed by the laws of India. The Borrower hereto expressly agree that all
disputes, differences and/or claim arising out of these presents including any dispute as to any amount outstanding, or in any way
touching or concerning the same or as to constructions, meaning or effect hereof or as to the right and liabilities of the parties hereunder
may be referred toArbitration by Bank at its sole discretion, to be held in accordance with the provisions of the Arbitration and
Conciliation Act, 1996 or any statutory amendments thereof and shall be referred to the arbitration of a sole arbitrator to be nominated by
the Bank. In the event of death, refusal, neglect, inability or incapability of a person so appointed to act as an arbitrator, the Bank may
appoint a new arbitrator. The award of the arbitrator shall be final and binding on all parties concerned. The arbitration shall be final and
binding on all parties concerned. The arbitration proceedings shall be held at Mumbai or at the discretion of the Bank and the arbitration
shall be conducted in English language.
(l) 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.
(m) The Borrower is aware that by clicking on the tab/ button/ checkbox of "I Accept" or any other button/ checkbox of similar nature: (i)
Borrower confirm that borrower(s) are eligible under applicable law to avail the Facility, (ii) Borrower consent to avail and use the
Facility as per the terms and conditions of this Agreement; and (iii) Borrower consent to receive communications, notices and
information from the Bank and our business partners, service providers, authorized third parties etc.(whether through SMS, emails, phone
calls, automated phone calls or by any other means).
(n) Electronic communications shall be deemed to have been received by the 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/she will not hold
Bank or Banks business partners/ service providers/ authorized third parties responsible for any such communications received from the
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.
(o) The Borrower understand, acknowledge and agrees that the Facilities are uncommitted facilities, are recallable by IDFC Bank on
demand and may be cancelled and repudiated in part or in entirely by IDFC Bank at any time without notice and without giving any

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 reason. Sanction or part disbursal of the facility should not be construed as giving rise to binding obligation on the part of IDFC FIRST
Bank to provide the facility mentioned aforesaid. The Facility mentioned aforesaid will be available solely at IDFC FIRST Bank's
discretion and IDFC FIRST Bank will not be liable for any action taken by the borrower on the basis of this sanctioned facility.
(p) 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.
(q) Business Correspondent (BC) – Customers sourced through Business Correspondent (BC) shall be the Borrowers of the Bank and
Bank shall be responsible to address the grievances of the Borrowers in relation to acts and omission of the said BC.
(r) 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.
(s) The Bank shall have a right to sell or transfer (by way of assignment, securitization or otherwise) whole or part of the Loan and
outstanding amounts under the Loan or any other rights under this Agreement or any other document pursuant hereto to any person in any
manner or under such terms and conditions as the Bank may decide in its sole discretion. The Borrower shall not transfer or assign the
rights under this Agreement without previous written consent of the Bank. The Borrower hereby accords its consent to the Bank for
transfer of the Bank’s rights and obligations under this Agreement and other financing documents to any Person at the Bank’s sole
discretion.
(t) 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.
(u) 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,
pandemics earthquakes, fires, wars, riots, strikes, orders of governmental or other statutory authorities.
(v) GRIEVANCE REDRESSAL, GOVERNING LAW, AND DISPUTE RESOLUTION
a. The Parties agree that this Agreement shall be governed by the laws of India.
b. The Borrower hereby expressly agrees that all disputes arising out of and/or relating to this Agreement including any transaction
document which is below the pecuniary jurisdiction limit of the Debt Recovery Tribunals established under Recovery of Debts Due to
Banks and Financial Institutions Act, 1993 (51 of 1993), then such dispute shall resolved through arbitration in accordance with the
provisions of the Arbitration and Conciliation Act, 1996 as may be amended, or its re-enactment, in presence of arbitrator mutually
appointed by Parties or virtually through an Online dispute resolution("ODR") platform of such institution as mutually agreed between
the Parties and for such purpose the email addresses and/or mobile numbers available, provided or otherwise referenced in the contract
shall be considered. The arbitration proceeding shall be conducted in the English language. The award passed by the arbitrator shall be
final and binding on the Parties. The costs of such arbitration shall be borne by the losing Party or otherwise as determined in the
arbitration award. The arbitration proceedings shall be held either in Delhi/ Mumbai/ Chennai/ Kolkata and/or such other place as may be
notified by the Bank.

DECLARATION BY BORROWER FOR THIRD-PARTY PRODUCTS

i. I request IDFC FIRST Bank Limited ("the Bank") to provide us a loan for the Membership/Insurance charges of approved insurance service
providers (hereinafter referred as "Service Providers"), and hereby authorize the Bank to deduct the said charges from the Loan amount and pay
the amount to the Service Providers.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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ii. I further understand that the aforementioned services are been offered to me 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 from the said service providers.
iii. I 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 on account of any financial decisions taken
by me or anyone on my behalf on the basis of the interpretation, if any of the estimated credit score.
iv. I, hereby declare that I have read all the Features, Benefits, Exclusions and Claim Process of the aforementioned products/ and have
voluntarily opted for the same. I am aware that in Case of non-disclosure of material facts or fraud, there would be no refund of premium paid.
v. I 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.
vi. I hereby give consent to the Service Provider to pay the claim amount/service fees up to the outstanding loan amount to the financer.
vii. I hereby declare that the above statements and particulars are true, accurate and complete and I 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.
viii. Insurance is non-mandatory and offered only to customers who voluntarily choose to opt for the same.
ix. In case if the loan is cancelled, the insurance policy will also get cancelled automatically and the certificate of insurance (if received/ issued)
will remain cancelled/revoked.
x. I acknowledge that in no event shall IDFC FIRST Bank Limited be liable to me for any special, incidental, indirect, punitive or consequential
damages whatsoever (including, without limitation, damages of loss of goods or services, or any other pecuniary loss) arising out of availing any
third party product, use of said third party product, or inability to use said product or inability to avail the policy/product/defective product,
including breach of contract or warranty, negligence or other tortious action, or any other claim arising out, the Borrower’s use of or access to the
Policy /Product.
xi. Further, IDFC FIRST Bank Limited shall have no liability to the Borrowers in respect of any loss or damage arising directly or indirectly out
of:
• Any defect in any Product/Policy supplied.
• Delay in delivery or non-receipt of Product/Policy purchased.
xii. In no event shall IDFC FIRST Bank Limited be liable to the Customer/ Borrower for any special, incidental, indirect, punitive or
consequential damages whatsoever (including, without limitation, damages of loss of goods or services, or any other pecuniary loss) arising out of
the use of, or inability to use or access the Platform/ avail the facility/defective product, including breach of contract or warranty, negligence or
other tortious action, or any other claim arising out of the Borrower’s use of or access to the Policy /Plan /Facility.
xiii. Further, under the Terms and Conditions, IDFC Bank Limited shall have no liability to the Borrowers in respect of any loss or damage
arising directly or indirectly out of:
• acts done by IDFC FIRST Bank Limited on the instruction of any person impersonating himself/herself as a Borrower;
• the exercise by IDFC FIRST Bank Limited of its right to terminate the Facility; or
• any injury to the credit character and reputation of the Borrower alleged to have been caused by the termination of the Facility.
xiv. The Borrower acknowledges that the Application Form and the Terms and Conditions give rise to a debtor-creditor relationship between the
Borrower and IDFC FIRST Bank Limited, and there is no service that is being provided by IDFC FIRST Bank Limited to the Borrower. Further
the parties understands that the provisions of the Consumer Protection Act, 1986 shall not apply to the Application Form read with the Terms and
Conditions.

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 Terms and Conditions for Aditya Birla Health Insurance(EMI Protect Plan):

Group Activ Health- EMI Protect

Introduction- EMI Protect is a product specifically designed to mitigate the financial losses that a borrower might incur in case of hospitalization.
This product offers financial protection to the borrower.

Coverages

EMI Benefit: If the Insured Person is hospitalized for In-patient Care due to an Injury /Illness during the tenure of the loan, then the insurer shall
pay the amount specified as per the plan in the Certificate of Insurance for each continuous and completed period of hospitalisation as defined and
specified in the Policy Schedule / Certificate of Insurance provided that
This Benefit shall not be payable for more than the number of Hospitalization days per Policy Year as specified in the Policy Schedule or
Certificate of Insurance
(ii) The benefit amount will be paid as a lump sum amount post the Insured Person’s discharge from the Hospital.
Age Eligibility- 18 Years – 65 Years

Plan A

Days of Hospitalisation Amount to be paid

2-5 days 10000

6-8 days 20000

9-11 days 30000

12-14 days 40000

15 days and above 50000

Plan B

Days of Hospitalisation Amount to be paid

2-5 days 20000

6-8 days 40000

9-11 days 60000

12-14 days 80000

15 days and above 100000

The insurer will cover a maximum of 4.5 lacs in case of multiple hospitalisations (Maximum 4 hospitalisations in a year) for a single life.

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Waiting Period-
There is an initial waiting period of 30 days in this product. Non applicable on accidental cases Waiting Period means a time bound exclusion
period related to condition(s) specified in the Policy Schedule or Certificate of Insurance or Policy which shall be served before a claim related
to such condition(s) becomes admissible.
Disclaimers
1. No change of Sum insured allowed after commencement of the policy.
2. The cover shall cease automatically in case of foreclosure of loans
3. Customer is in good health at the time of disbursement of loan, is not suffering from any critical illness & is able to perform all the routine
activities independently.
Disclaimers
I hereby declare that I am in Good Health, not suffering from any (critical/non critical) illnesses and perform all my routine activities
independently
I hereby nominate my legal heir to receive all insurance proceeds
I have read and understood the Aditya Birla Group Activ Health Policy Terms and Conditions
I understand that Group Activ Health is issued by Aditya Birla Health Insurance company Limited and the master policy holder is IDFC FIRST
Bank Limited. I confirm that by filling up this enrollment form, I propose to be beneficiary under the said policy.
I agree that the cover shall be voidable at the option of the insurer, in the event of any untrue or incorrect statement, misrepresentation, non-
Description or Non- Disclosure in any material particular in the application form. Personal statement, declaration any connected documents or any
material information has been withheld by me or anyone on my behalf to obtain any benefit under this cover.
I understand that the information provided by me will form the basis of the insurance cover and is subject to the board approved underwriting
policy of the insurer and will come to force only after full receipt of the premium chargeable.
I further consent and authorize Aditya Birla Health Insurance Company Limited and / or any of their authorized representatives to seek medical
information form any hospital/ Medical practitioner/ Insurer/ any of the related entity that I have attended or may attend in future concerning and
disease/ Illness/ Injury
I / We authorize the Insurer to share information pertaining to my proposal including the medical records for the sole purpose of proposal
underwriting and / or claim settlement and with any Governmental and /or Regulatory Authority
Claims Process
Claim Process and Documentation
Claim intimation can be given by calling ABHIC’s call centre- 18002707000 or by [Link]@[Link] or by
writing to ABHIC’s office address along with the following details within 45 days of first diagnosis of the Critical Illness/ date of Surgical
Procedure or date of occurrence of the medical event, as the case may be
1. COI number of member.
2. Name of the group member.
3. Name and address of the Insured Person (Group member or the family members enrolled in the Policy) in respect of whom the request is being
made.
4. Hospital where treatment/Surgery was taken.
5. Date of admission and date of discharge or approximate length of stay.
6. Any other information that may be relevant to the Illness/ Injury/ Hospitalization.
7. Duly completed policy claim form signed by Nominee or Insured Person with mandatory mentioned Claimed number of EMI
(MANDATORY)
8. Photo ID of Insured Person & Nominee (MANDATORY)
9. Attested copies of KYC documents of Insured Person & Nominee (MANDATORY) - PAN card, ration card, voter ID, etc.
10. original discharge card / day care summary / transfer summary (where applicable) (MANDATORY)
11. Investigations supporting diagnosis. (MANDATORY)
12. Loan repayment schedule (MANDATORY)
Please note that additional documents may be asked for on case to case basis.
A. TAT of Claims

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 TAT of Claims

Acknowledgement of 3 Working Day From receipt of documents or intimation from

Claim & Registration of Insured
the Claims

Deficiency to be raised 7 Working Days From receipt of Initial documents or intimation

for short fall of claim
documents (if any)

First, Second & Final 10 Days interval From 1st deficiency query generation date
Reminders

Repudiation for 45th Day From the latest of 7 Days after final reminder and
non-receipt of claim 1st deficiency query generation date
documents

Acknowledgement for 3 Working Day From receipt of deficiency related or any

receipt of Deficiency or documents
any documents

Re-deficiency (if New 7 Working Days From receipt of deficiency or any document
queries arises from the
submitted documents)

Claim Payment from 7 Working Days From receipt of last necessary document
Insurer to Insured

Re-imbursement Claim 7 Working Days From receipt of last necessary document

Repudiation

Investigation of Claim 15 Working Days From the date of assigning the claim for
investigation.

Terms and Conditions for Aditya Birla Sun Life Insurance:

1) “I hereby authorize ABSLI/Insurer to deduct the total amount of outstanding loan as subsisting under my customer ID in the event of my death
and settle the balance amount, if any, to the Nominee.
2) ”Borrowers can be covered under a maximum sum assured of Rs 10 Lakh. A breach of the same will result in cancellation of the policy &
refund of premium.”
3) “Legal heir of the borrower will be considered as nominee.”
I hereby declare that:
1. I am in good health.
2. I perform all my routine activities independently.
3. I have never had any physical defect, deformity or disability* aecting my day to day activities.
4. I have never suered and am not currently suering from:
a. High Blood Pressure, Heart Attack or any other Heart Disease;
b. Stroke, Paralysis in any form, or any other Cerebrovascular Disease;
c. Diabetes or any other Endocrinal Disease, Kidney Disease;
d. Any Chronic Liver Disease;

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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 f. Blood Disorders, Gastrointestinal Diseases, Paraplegia or any other disorder of the bones, spine or muscle;
g. Any Cancer or Cancerous growth;
h. Any Mental or Psychiatric condition, any Genetic Disease or any disease related to Central Nervous System (disease related to brain);
i. HIV/AIDS or AIDS related complications.
5. I have never been asked by our family doctor or any physician to reduce my weight or change my smoking (tobacco use in any form) or alcohol
intake.
7. I have never undergone nor have I been advised to undergo any major surgical procedure.
8. In the last 2 years, I have not:-
a. Been continuously hospitalised for more than 7 days (other than fractures of leg or arm);
b. Undergone any investigations (including basic radiological and blood tests) other than normal Health Check-ups and Insurance Medicals,
or
c. Had adverse result for any blood tests, X-Rays, ECG, Stress Test, Biopsy, CT Scan, MRI, Ultrasonography or 2D/3D Echo etc.
9. I have not had any proposal and/or policy for life, health, accident or critical illness or any other riders, including simultaneous/renewals/
revivals therefore, declined, deferred, withdrawn or accepted at extra premium or reduced cover or oered any special terms by any insurance
company.
10. I have not had any member of my immediate family e.g. parents, brothers, sisters, suered from heart disease, stroke, cancer, kidney failure,
organ
11. I do not engage or intend to engage in any business, sport or occupation or any hobby of a hazardous nature.
12. I also declare that I have not experienced fever/cough/breathlessness/nausea/diarrhoea within last 3 months, not tested positive for COVID,
not undergone treatment or require regular follow up or undergoing treatment for COVID, not been quarantined, not in contact with COVID
positive person, not involved in management of any patient, not travelled abroad in past 1 month, no plans to travel abroad in next 3 months.
*Disability means inability to function normally, physically or mentally.
I, further declare that the above statements are true and complete in every respect related to my health and will form the basis of granting
insurance cover to me, from Aditya Birla Sun Life Insurance Company Limited [ABSLI]. I, further hereby agree and give my consent to, ABSLI
and the Group Policyholder for use of the contents of this declaration for examining and processing any claim arising, in respect of the insurance
cover that may be provided to me under the referred group policy. I confirm and agree that the insurance cover, if provided, will be governed by
the provisions of the Insurance Act, 1938 as amended from time to time and the Policy Contract under which the cover will be oered to me. I
agree and understand that if I contract any of the above diseases between submitting this document and the date of commencement of the cover. I,
undertake to notify ABSLI of any change in my state of health or occupation or any decisions subsequent to the signing of this declaration form
and before the acceptance of the risk by ABSLI. I have also not withheld any material information or suppressed any fact. I understand and agree
that if any untrue statement be contained herein, I, my heirs, executors, administrators or assignees shall not be entitled to receive any benefits
which may be provided to me on the faith of this declaration, including, inter alia the aforesaid insurance cover. I understand and agree that in
case of any fraud or misrepresentation, the Policy shall be treated in accordance with section 45 of the Insurance Act, 1938 as amended from time
to time. I understand and acknowledge that insurance cover shall be as per terms and conditions detailed in the Policy Contract issued by ABSLI
in favour of the Group Policyholder and that ABSLI's decision in respect of all aspects of the referred group life insurance plan shall be final &
binding. I hereby agree to and authorise the Group Policyholder/my Doctor/Hospital/ Local, State, Central Authority/Dealer/Distributor/my
Employer to divulge or convey any information or particulars relevant to this Form/my admission into the referred Group Insurance Policy to
ABSLI at any point during the continuance of my cover hereunder including any claim under the said Policy. I authorise that my personal
information may be provided to ABSLI by any medical practitioner, hospital and clinic, employer, institution, or any person also consent to a
personal investigation as part of this Health Declaration. I also permit ABSLI to approach me directly for any clarification and/or other purposes.
I, hereby authorise (Name of the Group Policyholder ) to receive all such monies payable by Aditya Birla Sun Life Insurance Company Ltd. to the
extent of my outstanding loan amount in the event of my death and the balance if any to the appointed Nominee as mentioned.
I hereby authorize ABSLI to refund the amount towards freelook cancellation post deducting appropriate charges to IDFC First Bank
as the initial premium being paid by the Master Policyholder. I and Master policyholder further understand that we are and will remain solely
responsible for the above transaction and confirm that we will not hold Aditya Birla Sun Life insurance Company Limited liable for any claim or
payment under the above referenced Insurance Policy under whatsoever circumstances.

Consent for this agreement no. 400428401209, was electronically provided by MANORANJAN SATPATHY on 28 Sep, 2024 12:22 PM
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"I /we hereby agree that terms and conditions including premium and the benefits payable under the Policy are subject to variation in accordance
with applicable laws". All material facts, being facts, which may influence as the assessment of this risk, have been disclosed in this Health
Declaration, it being understood by me that failure to make such disclosure renders the contract voidable at the option of ABSLI. I/we , have read
and understood the terms and conditions of the product as detailed in the product brochure and the same has been explained by the representative
of the Master Policy holder in the language understood by me/us. I have applied for a Life coverage under this product and understand that
ABSLI reserves the right to reduce the actual coverage incase of any premium shortfall due to change in age or any other
administrative/operational reasons.

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

a) Dues shall mean the principal/interest/any charges levied on the loan account which are payable within the period stipulated as per the
terms of sanction of the credit facility.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.

b) Overdue shall mean the principal/interest/any charges levied on the loan account which are payable, but have not been paid within the
period stipulated as per the terms of sanction of the credit facility. In other words, any amount due to the bank under any credit facility is
'overdue' if it is not paid on the due date fixed by the bank.

c) Non-Performing Asset (NPA) - is a loan or an advance where

i. interest and /or instalment of principal remains overdue for a period of more that 90 days in respect of a term loan.

ii. the account remains ‘out of order’ as indicated below in respect of an Overdraft/Cash credit (OD/CC).

d) "First In First Out (FIFO)"- The relevance of 'First in First Out'(FIFO) is in appropriation of payments into the borrowal account; The
Principle of FIFO i.e., 'First In First Out accounting method is relevant to arrive at the No of days of overdue for determining the
SMA/NPA status. The FIFO principle assumes that, the oldest outstanding dues in the loan account needs to be cleared first. The FIFO
method thus requires that what is due first must be paid by the borrower first.
For example:- If in any loan account as on 01.02.2021 there are no overdues and an amount of Rs. X is due for payment towards principal
instalment/interest/charges any payment being credited on or after 01.02.2021 in the loan account will be used to payoff the dues
outstanding on 01.02.2021. Assuming that nothing is paid/or there is partial payment (Rs Y) of dues during the month of February, the
overdue as on 01.03.2021 will be Rs. X-Y.
Additionally, an amount of Rs Z becomes due as on 01.03.2021. Now any payment partial payment into the account on or after
01.03.2021 will be first utilized to payoff the partial due of 01.02,2021(Rs X- Rs Y). If there is more recovery that the Rs. X- Rs.Y then
after recovering dues of 01.02.201, the remaining amount will be treated as recovery towards due of 01.03.2021.

e) Age of Oldest Dues - The age of oldest dues is reckoned in days from the date on which the oldest payment is due and continues to remain
unpaid. In the aforesaid illustration, if the Dues relating to 1st February 2021 remain unpaid till 01.03.2021, the age of the oldest dues is
reckoned as 29 days on 02.03.2021.

f) Classification as Special Mention Account (SMA) and Non-Performing Asset (NPA) - Lending institutions will recognize the incipient
stress in loan accounts, immediately on Default, by classifying them as Special Mention Accounts (SMA) The basis of classification of SMA
/NPA Category shall be as follows:

Loans other than revolving facilities

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 Loans in the nature of revolving facilities like
cash credit/overdraft

SMA Sub- Basis for classification - Principal SMA Sub- Basis for classification -
categories or interest payment or any other categories Outstanding balance remains
amount wholly or partly overdue continuously in excess of the
sanctioned limit or drawing power,
whichever is lower, for a period of:

SMA-0 Upto 30 days

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

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

Out of Order - An account shall be treated as "out of order" if

i. the outstanding balance in the CC/OD account remains continuously in excess of the sanctioned limit /drawing power for 90 days or
ii. the outstanding balance in the CC/OD account is less than the sanctioned limit/drawing power but there are no credits continuously for
90 days or the outstanding balance in the CC/OD account is less that the sanctioned limit/drawing power but credits are not enough to
cover the interest debited during the precious 90 power but credits are not enough to cover the interest debited during the previous 90
days period.

Illustrative movement of an account to SMA category to NPA category based on delay Inon payment of dues and subsequent upgradation to
Standard category at day end process:

Due date Payment Payment covers Age of SMA/NPA SMA since Categorization NPA Date
of Date oldest Categorisation Date/SMA class date
payment dues
in
days

01.01.2022 01.01.2022 Entire dues upto NILL

01.01.2022

01.02.2022 01.02.2022 Partly paid dues 1 SMA-0 01.02.2022

of 01.02.2022

01.02.2022 02.02.2022 Partly paid dues 2 SMA-O 01.02.2022 NA

of 01.02.2022

01.03.2022 Dues of 29 SMA-O 01.02.2022

01.02.2022 not
fully paid
01.03.2022 is also

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 due at EOD
01.03.2022

Dues of 1 SMA-O 01.03.2022

01.02.2022 fully
paid, Due for
01.03.2022 not
paid at EOD
01.03.2022

No payment of 31 SMA- 1 01.02.2022/03.03.2022

full dues of
01.02.2022 and
01.03.2022 at
EOD 03.03.2022

Dues of 1 SMA-O 01.03.2022

01.02.2022 fully
paid, Due for
01.03.2022 not
fully paid at EOD
1.03.2022

01 No payment of 60 SMA 1 01.02.2022/03.03.2022

.04.2022 dues of
01.02.2022
,01.03.2022 and
amount due on
01.4.2022 at EOD
01.04.2022

No payment of 61 SMA 2 01.02.2022/02.04.2022

dues of
01.02.2022 till
01.04.22 at EOD
02.04.2022

01.05.2022 No payment of 90 SMA 2 01.02.2022/02.04.2022

dues of
01.02.2022 till
01.05.22 at EOD
01.05.2022

No payment of 91 NPA NPA 02.05.2022

dues of
01.02.2022 till
01.05.2022 at
EOD 02.05.2022

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 01.06.2022 01.06.2022 Fully Paid dues of 93 NPA NA 02.05.2022
01.02.2022 at
EOD 01.06.2022

01.07.2022 01.07.2022 Paid entire dues 62 NPA NA NPA 02.05.2022

of 01 .03.2022 &
01.04.2022 at
EOD 01.07.2022

01.08.2022 01.08.2022 Paid entire dues 32 NPA 02.05.2022

of 01.05.2022 &
01.06.2022 at
EOD 01.08.2022

01.09.2022 01.09.2022 Paid entire dues 1 02.05.2022

of 01.07.2022 &
01.08.2022 at
EOD 01.09.2022

01.10.2022 01.10.2022 Paid entire dues 0 Standard STD from

of 01.09.2022 & Account with 01.10.2022
01.10.2022 No Overdues

Note- Examples are illustrative and not exhaustive in nature covering common scenarios and that the IRACP norms and clarifications provided
by RBI on the subject will prevail.

g) Amortization Schedule/Repayment Schedule:- The Amortization Schedule shall be provided separately after the disbursement of loan and
shall consist details pertianing to exact due dates for repayment of loan, breakup between principal and interest, in case of loan facilities with
moratorium on payment of principal and or interest, the exact date of commencement of repayment etc., shall also be specified in the said
amortization schedule.

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