Application ID: SMFGPL1703401
Personal Detail – Information
Name SAYYAD BABA SAYYAD BHIKAN
Date of Birth 02-07-1987 Gender Male
Marital Status NA Qualification NA
Mobile No 9075360744 Email ID
[email protected]Father/Spouse Name NA
bhavani nagar chandanzira jalnaI T I college mage jalna, Jal,naJalna,Jalna,Maharashtra,
Current Address
431203
Employment Type Self Employed - Non Professional
Name of Business
Kirana shop
/Company
Industry Category NA
Industry Subcategory NA
Nature of business NA
Office Address NA
Preferred Mailing
Residence Type* NA NA
Address*
PAN No MMDPS1358C Voter ID NA
Driving License No NA Passport No NA
Aadhar No 5951
Net Monthly Income 50000.00
For Office Use Only
Application ID: SMFGPL1703401
Sourcing Detail Request Loan Detail
Product DIGITAL PERSONAL LOAN Scheme Code 601
Lead Source PL VENDOR Branch Code 2200
Req. Loan Amount 100000.00 Requested Tenure 24
Channel Name 601_DB_PaytmBL_Smallticket_MP Relationship Officer NA
Customer Name SAYYAD BABA SAYYAD BHIKAN
Application Submission Date 06-06-2025 14:42:11
SMFGPL1703401_SAYYAD BABA SAYYAD BHIKAN_2401:4900:7fb0:f6c8:
Signature or Digital acceptance
45be:45aa:a3dd:7d45, 172.69.129.166, 130.176.184.175, 172.16.0.233,
detail
127.0.0.1_06:06:2025 15:18:33_9075360744
Application ID: SMFGPL1703401
DECLARATION
I hereby agree and acknowledge that my loan application with SMFG India Credit will be considered based on the
declarations and undertakings being provided by me and where SMFG India Credit grants me a loan/facility in
furtherance to my loan application, SMFG India Credit will have all rights to recover any outstanding amounts from
me basis my below declarations/undertakings:
1. I certify that the information furnished above and documents provided are true & accurate and no material
information has been withheld / suppressed. In case any of the above information is found to be false or
untrue or misleading or misrepresenting, I are aware that I may be held liable for it. I understand that such
information and documents shall be used and relied upon by SMFG India Credit Co. Ltd. ( Formerly
Fullerton India Credit Co. Ltd.) (SMFG India Credit) for the purpose of sanctioning and granting the loan
/credit facility(ies).
2. I hereby state that I am a citizen of India. I have read the application form and brochures and am aware of
the product features of the loan I have applied for and its terms and conditions including the general terms
and conditions which would be integral part of the Loan documents and shall be read in conjunction with
other loan/facility documents for availing Personal/Business loan registered with the Sub-Registrar's office
Chennai, Tamil Nadu, a copy of which is available on SMFG India Credit website (https://assets.
smfgindiacredit.com/sites/default/files/Personal-Business-Loan-with-LPC.pdf) (hereinafter referred to as
“GTC” which term shall include amendments to the same and any additional terms mentioned by SMFG
India Credit from time to time) of availing finance and/or facility (ies) from SMFG India Credit.
3. I hereby expressly consent SMFG India Credit to share and disclose the my information to service
providers, consultants, credit information companies, information utilities, other banks and financial
institutions, regulators, investigating agencies, judicial, quasi-judicial and statutory authorities, or to SMFG
India Credit’s employees, service providers, consultants, affiliates, group companies, subsidiaries, or to
other persons/institutions/entities as may be necessary in connection with the contractual or legal
requirements or in the legitimate interests of the SMFG India Credit or as per the consent, undertake to
process information including by way of storing, structuring, organizing, reproducing, copying, using,
profiling, etc. as may be deemed fit by SMFG India Credit and for the purposes of KYC information
verification, credit appraisal, credit risk analysis, fraud detection, anti-money laundering obligations, for
entering into contract, for developing credit scoring models and business strategies, for monitoring, for
evaluating and improving the quality of services and products, or for any purposes as the SMFG India
Credit may deem fit, or to any assignees / potential assignees or transferees, who may need, process and
publish information in such manner and through such medium as it may be deemed necessary by the
publisher/ RBI, including publishing the name as part of wilful defaulter's list from time to time as also use
for KYC information verification, credit risk analysis, or for other related purposes. I waive the privilege of
privacy & privity of contract and such disclosure shall not amount to breach of any law, rule, regulation etc.
in force. In hereby further consent SMFG India Credit to contact me via phone, SMS, email or social
messaging platforms (eg. WhatsApp, etc.), by itself or its third party service providers, for the purpose of
processing of this application and where loan/credit facility is granted by SMFG India Credit, for the purpose
of loan servicing, communications in relation to the loan/credit facility and payment reminders.
4. I confirm that no insolvency/winding up proceeding or suits for recovery of the outstanding dues or monies
whatsoever or for attachment of my assets or properties and/or criminal proceeding have been initiated and
/or are pending against me and that I have never been adjudicated insolvent by any court or other authority.
5.
5. I understand that sanction/grant of the loan/credit facility(ies) is at the sole discretion of SMFG India Credit
and SMFG India Credit shall be entitled to reject my application without assigning any reason thereof.
Further, disbursement of the loan will be subject to execution of necessary documents, furnishing of security
(ies) and completion of other formalities as required by SMFG India Credit. I further agree that my loan
/credit facility (ies) transaction shall be governed by the rules of SMFG India Credit, which may be in force
from time to time.
6. I confirm that loan/credit facility(ies) shall be used for the stated purpose and will not be used for any
speculative or antisocial purpose.
7. I hereby undertake to inform/update SMFG India Credit in writing regarding any change(s) in my mobile
number/email ID/residential or employment address for communication and / or other KYC details within 30
days of such change. I hereby undertake to furnish any additional documents as and when requested and /
or required by SMFG India Credit.
8. That no discount or free gift or any other commitment whatsoever is given to me by SMFG India Credit or
any of its authorized representative(s) other than what is documented in this application form the Terms and
Conditions/ Agreement pursuant to the Loan/credit facility(ies).
9. I confirm having understood the terms and conditions applicable to this loan and accept the terms and
conditions unconditionally and agree that these terms and conditions may be changed by SMFG India
Credit at any time and I will be bound by the amended terms and conditions.
10. I hereby agree and expressly consent to SMFG India Credit that in an event where SMFG India Credit is
unable to contact me for any purposes due to change of my current contact details or otherwise, SMFG
India Credit shall have a right to use and process my information provided by me and use all reasonable
tools, modes and means to obtain my contact information including mobile number, residential and office
address, from various sources including but not limited to my past and present employers, references
provided in my loan application form, my friends, family and known associates and my information available
in public database/records or on social media and contact me on the same, and I hereby understand,
acknowledge and agree that such actions of SMFG India Credit shall not be considered to be breach of my
privacy and confidentiality of my information. I hereby undertake to indemnify and protect SMFG India
Credit from all claims, actions, suits and demands made against, or, losses, damages, costs and expenses
incurred or suffered by SMFG India Credit on account of SMFG India Credit undertaking the
aforementioned activity of obtaining my contact information and contacting me.
11. I am aware that the upfront application fees and the applicable taxes collected from me at the time of
application are non-refundable under any circumstances.
12. I am not an applicant taxable as a US person under the laws of the United States of America (US) or any
state or political subdivision thereof or therein, including the District of Columbia or any other states of the
US. Further, the I am not an applicant taxable as a tax resident under the laws of the counter outside India.
I agree to submit a new form within 30 days if any information or certification on this form becomes incorrect.
13. I confirm that, I am a resident of India and I am not a politically exposed person (PEP) and none of my
immediate family member, close associates or business partners are politically exposed person (PEP). I
confirm that, my professional work and business activity do not belong to any of these Industries listed in
this list.
14. I hereby certify that my annual household income is greater than Rs. 3 Lakhs.
15. I hereby declare that I am are not empanelled with SMFG India Credit as a DSA/Channel Partner.
16.
16. I authorise SMFG India Credit to verify/authenticate my KYC/OVD/PAN/Aadhaar number/loan or facilities
documents through third party agencies via digitally/ physical for legitimate business purpose. I hereby
consent to SMFG India Credit to contact me in future for the periodic, updation of KYC / re-KYC records and
obtain declaration in this regard from time to time as per applicable law.
17. I hereby declare that providing Aadhaar is voluntary and I can avail SMFG India Credit's services through
submitting hard copies of any of my KYCs/officially valid documents (OVDs) as prescribed by RBI from time
to time. I, the holder of the Aadhaar Number and declare that I have voluntarily, at my own discretion,
hereby submitted my Aadhaar number to SMFG India Credit for the purpose of processing my loan
application at SMFG India Credit’s end. I hereby further acknowledge and declare that I understand the
following:- a) nature of information, including my Aadhaar Number and/or Biometric coordinates and/or
demographic details that will be shared with UIDAI or governmental or regulatory authority for the purpose
of my KYC authentication as necessitated by the governmental or regulatory authority; b) choices of all
means or modes of sharing my KYC information whether in physical or electronic form; and c) that the said
information will be used for the purpose of consideration and processing my loan application with SMFG
India Credit and/or any analytics associated with my said loan application, before or after disbursement,
specifically restricted to my loan servicing with SMFG India Credit, or for such purposes as may be required
by law. I hereby voluntarily give my consent to SMFG India Credit to use my Aadhaar Number and
Biometrics/OTP and/or associated demographic information as required for the aforesaid purpose of
authenticating with UIDAI. I understand that my biometrics/OTP and/or like personal information will not be
stored/shared and will be submitted to Central Identities Data Repository (CIDR) only for performing eKYC
authentication and/or for all or any of the aforesaid purpose(s). I acknowledge that upon successful
authentication / transaction, SMFG India Credit will receive a confirmation email and/or appropriate
electronic feedback from UIDAI basis my aforesaid loan application will be processed. I, fully understand
that information shall be used only for the purpose of providing loan/financial services and/or for all or any of
the aforesaid purpose(s). I further understand that my personal data will be retained necessarily to fulfil the
KYC requirement and/or for purposes and conditions within the laws and regulations governing eKYC
authentication. I also understand that SMFG India Credit shall ensure security /confidentiality of my
personal identity data provided for the purpose of this transaction. I hereby declare that all the information
voluntarily furnished by me to SMFG India Credit is true, correct and complete in all respects. I will not hold
SMFG India Credit or any of its officials/representatives responsible in case of any incorrect and/or
incomplete information/data provided by me. I understand that the above mentioned information shall be
used for KYC and periodic KYC updation process as per the Prevention of Money Laundering Act 2002 and
relevant RBI guidelines. I hereby consent to SMFG India Credit to contact me in future for the periodic
updation of KYC/re-KYC records and obtain declaration in this regard from time to time as per applicable
law.
18. I understand that the information provided under this application shall be used for KYC and periodic KYC
updation process as per the Prevention of Money Laundering Act 2002 and relevant RBI guidelines. I
hereby consent to SMFG India Credit to contact me in future for the periodic updation of KYC/re-KYC
records and obtain declaration in this regard from time to time as per applicable law. I hereby expressly
consent to and authorize the SMFG India Credit (whether acting by itself or through any of its service
providers, and whether in automated manner or otherwise), to collect, store and process my application
details, personal data and sensitive information about me, information, papers and data relating to know
your customer (KYC), credit information, and any other information about me/pertaining to me or not as may
be deemed relevant by the SMFG India Credit (collectively, “information") and I hereby also expressly
consent to and authorize the SMFG India Credit to download KYC details from the CKYC registry using my
CKYC ID for the purpose of (product) loan application and periodically receive my updated KYC details from
CKYC registry or update my KYC details on CKYC registry during the currency of the loan. I hereby consent
to receiving information from central KYC registry through SMS/ Email on the above registered number
/email address.
19.
19. I confirm GST registration information and registration number provided is true and correct. I understand
that if my GST registration number is not provided or is incorrect, then GST Authority may not grant me
GST Input Credit for GST on charges and accordingly I indemnify SMFG India Credit against any and all
claims arising in this regard.
20. . I agree and understand that the insurance and / or any third party products are not mandatory for the
purpose of the Application and disbursement of Loan hereunder. It shall be sole discretion of the Customer
to avail such insurance and/or any third party products sourced along with the Loan Application. I hereby
provide my consent to SMFG India Credit to adjust any refund / payment against claim (in whichever
manner described) from the Insurance company against my loan outstanding with SMFG India Credit.
21. I confirm that No payment in cash, bearer cheque or kind along with or in connection with this loan
application has been collected from me and that I have submitted self-attested copies of the documents
listed in the checklist.
22. I acknowledge that the Loan is subject to assessment as per internal policies of SMFG India Credit.
Accordingly, SMFG India credit shall have right, to accept or reject the loan application(s) or repudiate or
cancel the Loan documentation even after execution, which fails to meet the internal policies of SMFG India
Credit.
23. I hereby declare that I have read and understood and agree to SMFG India Credit’s privacy policy which is
available at www.smfgindiacredit.com. I understand that SMFG India Credit may from time to time update
the privacy policy and the updated version of the privacy policy shall automatically become applicable.
24. I hereby consent SMFG India Credit to contact me via phone, SMS, email or social messaging platforms
(eg. WhatsApp, etc.), by itself or its third party service providers, with information on new products and/or
services, for Top-up loans, for selling of third party products for EMI, for direct marketing, for cross selling,
for communicating any offers or marketing promotions and assist me in using any of SMFG India Credit's
new offerings irrespective of the outcome of this loan application or termination of my/our relationship with
SMFG India Credit (if any). I hereby confirm that laws in relation to unsolicited communications referred in
“National Do Not Call Registry” as laid down by Telecom Regulatory Authority of India will not be applicable
to such communications.
Terms and Conditions:
I confirm that the executive collecting my application/documents has informed me/us that:
1. The interest will be charged on the principal amount of the loan advanced and outstanding from time to
time, at the rate agreed between the parties and as stated in the loan/ credit facility(ies) documents.
2. Processing fee/ documentation fee as deemed fit by SMFG India Credit will be charged towards loan
application. Processing fees will be non-refundable. Taxes as maybe applicable will be charged in
connection with the loan/credit facility(ies).
3. SMFG India Credit will not be liable for loss or delay in receipt of documents. Incomplete/defective
applications will not be processed and SMFG India Credit shall not be responsible in any manner for the
resulting delay or otherwise.
4. SMFG India Credit reserve the right to retain documents/photographs submitted with this application will not
return the same, under any circumstances to the Applicant. Approval of the application is at sole discretion
of SMFG India Credit.
5. If my application is accepted and/ or my credit facility(ies) is/are sanctioned all and/or any disbursals may be
made through a mode of Cheque/NFTS/RTGS and I shall provide all such necessary information to
facilitate the same.
6.
6. Quantum of the loan/credit facility(ies) will be finally decided by SMFG India Credit and has not made any
commitments to me regarding the same.
7. Equated Monthly Instalment (EMI) will be due on 4th or 5th of every month.
8. Loan Prepayment charges deemed fit by SMFG India Credit will be charged towards loan closure before
end of tenor.
9. Loan prepayment charges are levied / calculated on the Principal Loan Amount Outstanding on the date of
prepayment.
10. Other Charges or such other amount as may be specified by SMFG India Credit from time to time plus
applicable taxes and/or other statutory levies would be applicable as mentioned in the Loan Agreement and
SMFG India Credit website and is subject to change as deemed fit by SMFG India Credit.
11. The tentative processing fee, interest rate and other charges and list of documents are available on the
below mentioned links.
Fees and Charges : https://www.smfgindiacredit.com/personal-loan-interest-rates.aspx
Interest Rates : https://www.smfgindiacredit.com/pricing-policy/interest-rate-rationale.aspx
List of Documents : https://www.smfgindiacredit.com/personal-loan-documents-required.aspx
Customer Name SAYYAD BABA SAYYAD BHIKAN
Application Submission Date 06-06-2025 14:42:11
SMFGPL1703401_SAYYAD BABA SAYYAD
BHIKAN_2401:4900:7fb0:f6c8:45be:45aa:a3dd:7d45,
Signature or Digital acceptance detail
172.69.129.166, 130.176.184.175, 172.16.0.233,
127.0.0.1_06:06:2025 15:18:33_9075360744
Application ID: SMFGPL1703401
Information
Disbursement: In case the Loan is sanctioned, all fees (including documentation and processing charges) under
or in connection with the loan shall be deducted from the loan amount and only the net amount of the loan after
deduction of such fee/ charges shall be disbursed to the applicant, unless otherwise advised.
Interest: The interest will be charged on the principal amount of the Loan advanced and outstanding from time to
time, at the rate agreed between the parties and as stated in the loan documents. The interest on the Loan shall
be calculated on a daily basis with monthly rest on the principal outstanding. The interest on the Loan shall begin
to accrue from the date of disbursement of the Loan/issuance of loan cheque, irrespective of the time taken for
transit, collection, realization of the cheque by the Borrower(s) or his bank. The loan amount and interest will be
paid in monthly instalments and as communicated by SMFG India Credit Co. Ltd.
The rate of interest shall be determined based on the cost of borrowed funds, matching tenor cost, market liquidity,
refinance avenues, offerings by competition, tenure of customer relationship, cost of disbursements( Cost of Fund)
. In addition to the cost of fund, the rate of interest shall further be determined based on inherent credit and default
risk in the products and customer per se arising from customer segment, profile of the customers, professional
qualification, stability in earning and employment and repayment ability, overall customer yield, risk premium,
nature and value of primary and collateral securities, past repayment track record of the customers, external
ratings of the customers , industry trends etc.
The company may adopt interest rate model whereby the rate of interest for same product and tenor availed during
same period by different customers need not be standardized. It could vary for different customers depending
upon consideration of any or combination of above factors.
Customer Name SAYYAD BABA SAYYAD BHIKAN
Application Submission Date 06-06-2025 14:42:11
SMFGPL1703401_SAYYAD BABA SAYYAD
BHIKAN_2401:4900:7fb0:f6c8:45be:45aa:a3dd:7d45,
Signature or Digital acceptance detail
172.69.129.166, 130.176.184.175, 172.16.0.233,
127.0.0.1_06:06:2025 15:18:33_9075360744
