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Loan

Capri Global Capital Ltd. has provided the following documents regarding a loan application from Pooja Kumari Rajput: 1) An acknowledgment letter confirming receipt of the loan application form and that the application will be processed within 30 days upon receiving necessary documents. 2) A gold deposit receipt documenting the details of gold jewelry pledged as collateral for the loan, including photos and total weight. The net weight considered for funding is 99.58 grams. 3) The most important terms and conditions of the loan including the principal amount of Rs. 403200, interest rate of 30% per annum, and maturity date of 26-09-2024. Repayment will be through EMIs

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226 views3 pages

Loan

Capri Global Capital Ltd. has provided the following documents regarding a loan application from Pooja Kumari Rajput: 1) An acknowledgment letter confirming receipt of the loan application form and that the application will be processed within 30 days upon receiving necessary documents. 2) A gold deposit receipt documenting the details of gold jewelry pledged as collateral for the loan, including photos and total weight. The net weight considered for funding is 99.58 grams. 3) The most important terms and conditions of the loan including the principal amount of Rs. 403200, interest rate of 30% per annum, and maturity date of 26-09-2024. Repayment will be through EMIs

Uploaded by

rishika7014
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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Capri Global Capital Ltd.

Regd. Office: 502, Tower A, Peninsula Business Park, Senapati Bapat


Marg, Lower Parel,
Mumbai · Email : caregl@capriglobal.in | Toll Free Number : 1800-102-
102-1.

Acknowledgment Of Loan Application Form

Dear Sir/Madam,

This is to acknowledge the receipt of the above Loan Application Form.It is our endeavour to process the
Loan Application within 30 days,Subject to furnishing of all the necessary documents as required by CGCL.

GOLD DEPOSIT RECEIPT

Date & Time: 26/09/2023 13:13:40 Gold Loan Account Number: 30100000881424

CUID Number: 1076499 Applicant Name: POOJA KUMARI RAJPUT

Primary Contact No: 9257845575 Branch Code: GLB0042


Branch Address: Plot no 24 Amir tower
Branch Name: Jaipur-Niwaru Road 2-RJ ,Ramneshpuri, Niwaru Rd, Next to Muthoot Finance,
Jaipur, Rajasthan
Applicants Photograph Jewellery Photo

Details of the Pledged Articles

Particulars Units Carat Total Wt Net Weight considered for funding


Necklace 1 22K 75.83 37.45
Baju Band 1 22K 75.38 32.06
Others 1 22K 72.37 30.07
Total 223.58 99.58

The proportionate net weight at 22 Carat is 99.58 grams


This is electronically generated document and does not require any further signature
Signed by OTP (26/09/
2023 13:13:40)
Signature of Borrower

MOST IMPORTANT TERMS & CONDITIONS

Gold Loan Application Number: 30100000881424

A. We refer to the application form dated: 2023-09-26 for grant of the Facility described below.
B. The Borrower acknowledges and confirms that the below mentioned are the most important terms and
conditions in the application for the Facility (and which would apply to the Borrower in respect of the
Facility, if the request for the Facility is accepted by the Lender) and they shall be read in conjunction
with the Application Form(s) and the Standard Terms (Gold Loan Facility):
Applicant Name: POOJA KUMARI RAJPUT
Facility: Gold Loan
Scheme: Swarnim XV
Principal Amount: 403200
Tenure: 12 Months (Subject to Standard Terms)
Rate of Interest: 30.00 % p.a. at a fixed interest rate

CIN number: L65921MH1994PLC173469 www.capriglobal.in


Capri Global Capital Ltd.
Regd. Office: 502, Tower A, Peninsula Business Park, Senapati Bapat
Marg, Lower Parel,
Mumbai · Email : caregl@capriglobal.in | Toll Free Number : 1800-102-
102-1.

Mode of Computation: Simple Interest


Interest Payment Due Date: Apart from upfront interest from loan disbursement, the interest may
be payable in Half Yearly.
Repayment Method for Principal Amount: EMI / Overdraft Facility / bullet repayment on maturity as
per the scheme bulletin
Repayment Mode: Cash (not more than Rs. 1,99,000/-) / RTGS/ NEFT/mobile application or online
mode.
Principal Due Date: 26-09-2024 (Subject to Standard Terms)
Additional Interest: 6.00 % p.a.
Purpose: Personal
Pledge: The gold ornaments have been deposited with CGCL to secure the Facility and only gold
component of pledged Articles will beconsidered for valuation.
Margin: Borrowers shall ensure that the at all time aggregate amounts outstanding is not more
than 75% of value of Pledged Articles or such other percentage as stipulated by the Lender from
time to time.
Auction: CGCL may auction the Gold as per its policy in case of breach of terms.

Schedule of Charges (Exclusive of


Taxes)
Particulars Charges
Processing Fee Rs 403.0 Rebate if Applicable (% Rebate applicable on early
GST Rs 73.0 payment of interest as given in chart below)
MTM Charges Rs 500 Bucket % Rebate
Pre Auction Charges Rs 500 0-30 Days 15 % p.a.
Post Auction Charges Rs 1500 31-60 Days 15 % p.a.
Franking Charges applicable as Rs 61-90 Days 8 % p.a.
per state including cess 1311.0 91-120 Days 3 % p.a.
Statement of Account Rs 500 121-150 Days 0 % p.a.
Courier Charges Rs 200 151-180 Days 0 % p.a.
As per 181-210 Days 0 % p.a.
Foreclosure/Pre-closure Charges grid 211-240 Days 0 % p.a.
below 241-270 Days 0 % p.a.
% 271-300 Days 0 % p.a.
Bucket
Charge 301-330 Days 0 % p.a.
XX-XX Days 0 % p.a. 331-360 Days 0 % p.a.
XX-XX Days 0 % p.a. 361-null Days 0 % p.a.
XX-XX Days 0 % p.a.
XX-XX Days 0 % p.a.
XX-XX Days 0 % p.a.

Repayment Schedule

Installment Beginning Principal Total


Payment Date Interest
No. Principal Repayment Repayment
1 26-March-2024 403200 0 60567.83 60567.83
26-September-
2 403200 403200.0 60810.49 464010.49
2024
Total 403200 121378.32 524578.32

C. The Borrower acknowledges and confirms having received a copy of each Transaction Document and
agrees that this letter forms part of the Transaction Document.
D. Borrower understands that all payment receipts are provided electronically only. However, if physical
payment confirmation is required, please obtain the same from our branch on paying nominal charges.
E. I hereby understand and agree that I may apply for one or more loans by submitting the Application
Form(s) and CAPRI GLOBAL CAPITAL LIMITED (“CAPRI GLOBAL CAPITAL LIMITED” or “Lender”) may
agree to grant such loan (s) (each a “Loan” or “Facility”) that are or will be governed by these terms
and conditions (“Standard Terms”) read together with the Application Form(s), MITC and any other
document as exchanged between the parties (together referred to as “Transaction Document”).

CIN number: L65921MH1994PLC173469 www.capriglobal.in


Capri Global Capital Ltd.
Regd. Office: 502, Tower A, Peninsula Business Park, Senapati Bapat
Marg, Lower Parel,
Mumbai · Email : caregl@capriglobal.in | Toll Free Number : 1800-102-
102-1.

Capitalised terms used but not defined herein shall have the meaning ascribed in Application Form and
MITC and other terms and conditions mentioned in the Transaction Documents. I hereby read,
understand, agree, accept and acknowledge all the terms and conditions governing such Loan(s)
including the Standard Terms mentioned herein.
F. I/We declare and understand that purity of the gold as aforesaid is at least 18.00 carat, however same
is subject to reconfirmation by Auditors/Valuers appointed by CGCL, whose decision will be final and
binding on me/us (“Lender’s Record”). The pledged gold’s value has been arrived as per average of
closing price of 22 carat gold for preceding 30 days as quoted by the Bombay Bullion Association Ltd.
Or the historical spot gold price published by regulated commodity exchange.
G. I hereby confirm that these Standard Terms can be accepted by me electronically by verifying the One-
Time Password (OTP) sent to me by the Lender’s system. I understand that such verification by way of
OTP shall be conclusive evidence of my acceptance of these Standard Terms and the same shall be
binding on me.

Signed by OTP (26/09/


2023 13:13:40)
Signature of Borrower

CIN number: L65921MH1994PLC173469 www.capriglobal.in

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