MANAPPURAM FINANCE LIMITED

GST Reg No: 10AABCM6882E1ZQ

Banking & Other Financial Services

Inventory No : IN18380700004089 Sr.No : C 1838116158

Branch : 1838 Date : 10/May/2019 00:05:11

Customer ID : 18380011764213 Loan No : 0118380730004941

Name : PRAYAG PUSHKRAM Loan Amount Rs : 61206 /-

Address : S/O GANGADHAR UPADHYAY, Interest Rate : 1 - 30 days 26.5 % p.a ,

B26SRI RAM BHAWAN BUDDHA 31 - 60 days 27.5 % p.a ,
COLONY PATNA, 61 - 90 days 29 % p.a *
NEAR SANT MICHEL HIGH Overdue Interest 3% p.a after
SCHOOL, duedate
PATNA G.P.O, Compounding : Monthly

PATNA, Tenure : 90 Days

BIHAR,
PIN :800001 Due Date : 07/Aug/2019

Scheme : SX [CLR-2185/gm]
Documentation Charges Rs : Nil
Details Of Gold Jewellery : CHAIN-1,DROPS & STUD-4,EAR
RINGS-2,FINGER RINGS- Loan Processing Charges Rs : 10/-
1,MATTI-1,VENGI-1

Other Charges If Any Rs : Nil

Number : 10

Gross Weight (gm) : 34.8 Int Rebate Is : Nil

Stone Weight (gm) : 0 Processing Charge - 10/- Including GST @18%

Equi Net Weight (22 ct) gm : 29.944 Net Amount Disbursed Rs: 61206/-

Annualized Interest Rate : 28.30 % p.a

Attractive Interest Rebate For Prompt Monthly Interest Payment

Name : PRAYAG PUSHKRAM

Digitally Signed Through Online
Date : 10/May/2019 00:05:11 Gold Loan Application

PAWNTICKET GENERATED USING IP ADDRESS: 52.172.32.98

 Terms and Conditions
1. The Borrower has fully read and understood the various schemes offered by the Company on its website and based thereon, the Borrower has requested / selected to avail the Loan under
Scheme SX with interest @................
2. The Borrower confirms that the stones fixed in the pledged gold ornaments / items, if any, do not have any market value and that the said gold ornaments / items is / are the absolute and
unencumbered property of the Borrower and no other person has any right, title, interest or claim thereon.
3. All particulars/details given in the applications / above are true and correct and no information has been suppressed / withheld. The Borrower acknowledges that the Company shall have no
liability for any consequence arising out of any erroneous/misleading details provided by the Borrower for which the Borrower shall be solely liable. The Company may sanction, at its sole
discretion, loans of such amount, as the Company may deem fit ´Loan´for such purpose(s), as set out in the application form.
4.The Borrower shall pay interest at the rate specified in the Pawn ticket and incidental charges as applicable to the loan. When interest is not paid at monthly intervals, the
interest shall be compounded on a monthly basis. Interest will be calculated on the basis of 365 days a year on the amount outstanding. If the loan is not repaid on demand within
the loan tenure, as specified in the pawn ticket, the Company shall have the right to levy overdue interest @3% p.a after expiry of the loan tenure, as specified in the pawnticket on
the amount of loan plus interest in default. Interest will be payable from the date of the loantill the account isclosed, both dates inclusive.
5.The loan is based on the weight, purity and existing market value of the Gold.
6. The Company will make only a preliminary verification of the Gold and the Company has the right to further check the purity / weight of the Gold internally or by experts at any point of time if
required, at the Company's sole discretion, at the cost and expense of the Borrower. The Company shall, at its discretion, have the right to open the packets, melt all or any portion of the Gold,
at any time during the currency of the Loan.
7. Notwithstanding anything mentioned herein, the Borrower shall repay the entire dues / outstanding under the Loan including principal, interest, and other charges, immediately on demand if
the Company observes, after verification internally or by experts, that the whole or part of the Gold is not of the prescribed weight/ purity or if the title of the Borrower to the Gold is found
defective or if the same is disputed by any other person. The certificate issued by the Company stating the exact grams of the gold after transalating the same to 22 carat is based on the
preliminary verification made at the time of granting the loan and may be treated as provisional and not final
8.The period of loan is as mentioned in the pawn ticket and the Borrower is required to repay the loan alongwith interest on or betore the completion of loan tenure, as specified in the pawn
ticket from the date of disbursement. However the borrower shall have the option to foreclose the loan at any time during the currency of the loan by paying the Principal loan amount along with
interest and incidental charges as applicable to the loan. Similarly, the Company may, at its sole and absolute discretion, have the right to further extend the tenure of the loan for such periods,
but not exceeding one year from the date of disbursement of the loan. Borrower can also make part payments of principal or interest at any time during the currency of the loan. Pre-payment
charges, if any, will be mentioned in the pawn ticket. Notwithstanding anything mentioned herein, the Company shall be entitled to recall / cancel the Loan at any time at its discretion without
assigning any reasons and thereafter the Dues shall immediately become payable to the Company.
9.The postage charges, as revised from time to time at the discretion of the Company, shall be recovered from the respective account.
10.If full repayment of the loan, alongwith interest and charges, is not made within the period of the loan ( as specified in the pawn ticket ) or within such period as demanded by
the Company, the Company shall have the right to sell or otherwise dispose of the Gold through public auction at the risk and cost of the Borrower. The Borrower, out of his/her
free will, authorizes the Company to dispose of the Gold by public auction at any time after 2 weeks from the date of notice to the Borrower at the given address and adjust from
the net proceeds of such sale,all amounts including interest and other charges,due to the company in respect of the loan.If there is any surplus on such sale,the company shall
have the right to appropriate such surplus towards any other liablity of the borrower ,solely or joinly with others, on any account whatsover,to the company at any of its
offices.The net surplus,if any, after such appropriation shall we refunded to the borrower within 30 days of auction.In case of any short fall after disposal of the gold,the company
shall have the right to resort to legal proceedings against the borrower to recover the shortfall.
11.Notwithstanding anything referred above, if the Company is convinced, at its sole discretion, that the estimated realizable value of the gold at any time is less than the total amount due by
way of principal, interest and other charges on this loan or on any other loans availed by the borrower at any of the branches of the Company or there exists any other circumstance, which in
the sole opinion of the Company is prejudicial to the interest of the Company, the Company reserves the right to sell the gold by public auction at any time during the currency of the loan after
serving a registered notice to the Borrower.
12.Further, the Borrower understands and acknowledges that the Company shall subject to auction, all accounts remaining fully or partially unsettled after expiry of the loan tenure, as specified
in the pawn ticket or otherwise. The Company shall intimate the Borrower by registered letter or courier service or SMS or telephone or personal intimation or e-mail or any other mode of
communication its intent to subject the Gold to public auction well before the proposed auction date. The auction shall be conducted as per the guidelines issued by the concerned Regulatory
Authorities from time to time. The list of accounts subject to auction alongwith the date and venue for auction shall be displayed at the concerned branch of the Company and on the Company
Website and shall also be published as per the guidelines issued by the concerned Regulatory Authorities from time to time.
13.In the event of loss of pledged Gold due to theft, burglary or for any other reasons from the custody of the Company, the liability of the Company shall be limited to replacing the lost Gold
with equal net weight as mentioned in the loan application form / pawn ticket.
14.The Company shall have the right to exercise lien on the Gold offered as security for this loan to secure the repayment of any other liability of the Borrower to the Company, which is due and
payable, until such other liability is also fully settled. Exercise of such lien will be duly intimated to the Borrower by letter, courier service, email, SMS, telephone or any other mode of
communication.
15. The Company may affect changes prospectively in the interest rate, charges etc. after due intimation to the Borrower. The Borrower undertakes to settle the loan within 7 days of the date of
such intimation in case the revised rate of interest, charges etc., as intimated by the Company, is not acceptable to the Borrower.
16. The Company shall have the right to assign or transfer or securitize the rights to obtain necessary advance or financial facility from any Bank or Financial Institution or other organizations or
for any other lawful purpose, at any time during the currency of the loan.
17.The address for all communications to the Borrower shall be the one furnished in the loan application form by the Borrower. Unless any change of address is duly intimated by the Borrower
to the Company in writing and duly acknowledged, any communication sent to the Borrower in the address furnished in the loan application shall tantamount to valid receipt / acceptance of the
communication sent by the Company. The Borrower shall also keep the Company duly intimated about any changes in the recorded landline phone or mobile phone number to facilitate
effective communication. The Borrower understands and agrees that the Company may contact the Borrower over phone to pass on transactional as well as promotional communication and
the Borrower consents for the same. It is also understood and agreed by the Borrower that such conversation may also be recorded by the Company for future use.
18. In the event the Borrower fails to produce the pawn ticket at the time of settlement, the Company may, at its sole discretion, deliver the pledged Gold of the Borrower after completion of the
prescribed formalities and subject to payment of processing charges, as may be applicable from time to time.
19. The Borrower shall bear, pay and reimburse all present and future charges relating to administration, interest, service tax, duties (including stamp duty), sales tax/VAT and taxes (of any
description as may be levied by the Government or any other authority from time to time) and all other costs and expenses whatsoever in connection with (a) application for and the grant and
repayment of the Loan; (b) recovery and realization of the loan together with interest; (c) enforcement of Security ; (d) clearance of arrears of all taxes and any other charges and levies of the
Government in respect of Security and (e) insuring the Security.
20.The rate of interest and the approach for gradation of risk and rationale for charging different rates of interest to different category of customers is based on the details/ attributes of the loan
scheme vis-a-vis Loan to Value(LTV), tenure of the loan and the amount of loan extended.
21.The locker facility, if any, provided by the company at any of its branches is not regulated by the Reserve Bank Of India.
22.The Company shall have the right to make disclosure to Credit Information Bureau of India Ltd. (CIBIL) or such other similar agencies.
23.All disputes, differences and/or claims arising out of or touching upon this loan, whether during its subsistence or thereafter, shall be settled by arbitration 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 appointed by the Company. The award given
by such Sole Arbitrator shall be final and binding on the Borrower and the Company. The venue of arbitration shall be in Kerala.
24.The Borrower shall pay custody charges for the gold retained with the company for the period from the date of closure of the loan till release, at such charges, as may be prescribed by the
company, from time to time. The borrower agrees that the lien of the company on the gold ornaments in its custody shall continue till custody charges are paid in full.
25.For clarifications or complaints, the Borrower may contact the customer Services Cell on Toll Free No.1800 420 22 33 or by post at Manappuram Finance Ltd. CIN-
L65910KL1992PLC006623 IV/470A (old) W638A(New), Manappuram House, Valapad, Thrissur, Kerala - 680 567 or by email to crm@manappuram.com giving the name of the
branch and account number.
26.I understand that the loan amount will be transferred to my account by way of IMPS/NEFT/RTGS system and that there is a probability of me being paid the loan amount directly by the
Company in the event of my account not getting credited due to some technical error. I also understand that my account may be credited with the loan account through the earlier
IMPS/NEFT/RTGS transaction at a later point of time due to the technical error. I agree and undertake to immediately refund any such excess amount other than the loan amount credited to my
account. I hereby further undertake and agree to bind myself and my heirs, successors, executors and administrators to indemnify the Company from and against any loss suffered or incurred
by the Company in so crediting / paying the loan amount and to forthwith pay the Company and also irrevocably authorize the Company to recover the amount due by debiting the same to my
said loan account, or otherwise, as decided by the Company at its sole discretion.
27.The Borrower has received, read and fully understood the aforesaid terms and conditions and/or have independently had the aforesaid terms and conditions and have completely and fully
understood the same to his/her/its satisfaction.

LIST OF CHARGES (*Exclusive of GST) GST Reg No: 10AABCM6882E1ZQ

1 Processing Fee - Rs.10 2 Ordinary letter - Rs.10 3 Registered letter-Rs.30
4 Advertisement(Auction) - Rs.50* 5 Other Expense(Auction)-Rs.25 6 Cheque sending charge for auction surplus customers-Rs.40
7 Delivery of Statement of account - Nil - Within 30 days of closure,Rs.25 - After 30 days of closure
8 Form K Settlement - Rs.75 - First instance,Rs.100 - Subsequent instances

Name Of The Customer : PRAYAG PUSHKRAM

Digitally Signed Through Online
Date : 10/May/2019 00:05:11 Gold Loan Application

PAWNTICKET GENERATED USING IP ADDRESS: 52.172.32.98