Loan Application Number : 400409867469

Date : 04 Oct, 2023

Personal Loan Agreement

Loan Details

Total Loan Amount EMI Amount Tenure Net Disbursal Amount

54,161 3,067 24 Months 50,000

Standard Deduction Add On Product Purchased

(-) Processing Fee 1,745 ICICI Lombard Insurance 1,600

(-) GST 314 HDFC Insurance 501

Customer Identifiers

Aadhaar Number Driving License PAN Number

XXXXXXXX8633 NA HIRPS3906M

Passport Voter ID CKYC Number

NA NA NA

Customer Details

Name Date of Birth Mobile Number

Mohammad Salman 3rd February 1994 9990756637

Gender Marital Status Father Name

Male Married Mohammad Usman

Spouse Name

Nazia X

My personal email address is

khandoctor787@gmail.com

Employment Status My work email address is Name of my company

Self Employed drmskhan4466@gmail.com Khan nursing home

Residence Address Work Address Bank Account Details

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 House no c-005 vihan galaxy, Haldoni Ramchander saini market Shop no 12, Bank Name : ICICI BANKING
Greater Noida, Nr Indian Overseas Bank, Haldoni Greater Noida, Saini hospital CORPORATION LTD,
GAUTAM BUDDHA NAGAR, UTTAR wali gali, Nr saini hospital, GAUTAM Ac. No. : 628401062621,
PRADESH - 201306 BUDDHA NAGAR, UTTARPRADESH MICR Code: 110229205,
- 201306 IFSC Code: ICIC0001972

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 of 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. www.idfcbank.com, 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.
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

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
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 www.idfcbank.com.
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 floating 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. By applying for a personal loan, I/We consent to my bureau report being pulled by IDFC FIRST Bank and agree to abide by the T&C
mention at https://idfcfir.st/axv4zb.
21. 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.

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 Important Information

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

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
encashing / presenting the SI for the full balance value of the loan.

Sanction Letter & Key Fact Statement

Date: 04, October 2023

Name and Address of the Borrower
Mohammad Salman
House no c-005 vihan galaxy, Haldoni Greater Noida,
Nr Indian Overseas Bank,
GAUTAM BUDDHA NAGAR, UTTAR PRADESH - 201306
Reference application dated, 04, October 2023 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 600 031 Tel.: +91 44 4571 6400, CIN:
L65110TN2014PLC097792, bank.info@idfcfirstbank.com, www.idfcfirstbank.com referred to "the bank" which shall include its
successors in interest or assigns for sanction of a personal loan

Dear Mohammad Salman

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) 54,161

Monthly Reducing Rate 31.40%

Product Personal loan

Tenure(in months) 24 months

EMI Amount (in INR) 3,067

Mode of Payment Auto Debit

Upfront Processing Fee (in INR) 1,745

SGST (in INR) 314

Following charges are applicable on your loan

EMI Bounce charges per presentation 400 Exclusive of GST

2% per month (Exclusive of GST) of the unpaid EMI or Rs 300

Late payment/Penal charges/ Overdue interest (per month)
(Exclusive of GST) whichever is higher

Cheque Swap charges (per swap) 500 Exclusive of GST

No charges within 15 days of disbursement or 1st EMI

Cancellation/Rebooking charges presentation whichever is earlier. Post 15 days or 1st EMI
presentation, request for cancellation will be treated as foreclosure

Processing fees Up to 3.49% of the total loan amount (Exclusive of GST)

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 The Bank may, at its sole discretion and on such terms as to
foreclosure fees, etc., as it may prescribe from time to time, permit
foreclosure of the loan at the request of the Borrower subject tothe
applicable laws and if permitted by the Bank, the Borrower shall
Foreclosure / Prepayment charges pay 5% of principle outstanding amount to the Bank as
Foreclosure charges, as amended from time to time. Provided that
the Borrower shall not have a right to foreclose the Loan up to the
date of payment of 6 EMIs commencing from the repayment of
the Loan.

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

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 350 Exclusive of GST

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 Other Disclosures

No charges within 15 days of disbursement or 1st EMI presentation

Cooling off/look-up period during which borrower shall not be
whichever is earlier. Post 15 days or 1st EMI presentation, request for
charged any penalty on prepayment of loan
cancellation will be treated as foreclosure

Visit following link to view list of authorized vendors:

https://www.idfcfirstbank.com/content/dam/idfcfirstbank/footer/agencies-
Details of LSP acting as recovery agent and authorized to
list.pdf
approach the borrower
Details of allocated agent will be communicated to via SMS/email at
the time of collection.

Visit following link to view details of nodal grievance redressal officer:

Name, designation, address and phone number of nodal grievance
https://www.idfcfirstbank.com/content/dam/IDFCFirstBank/PDF/list-of-
redressal officer
RNO-PNO-escalation-emailIDs.pdf

Note: Taxes as applicable by the Government from time to time.

EMI Due Date

Disbursal Date 1st EMI Presentation Date

On or before 18th of the month 2nd / 3rd / 5th of next month of disbursal

After 18th of the month 2nd / 3rd / 5th 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 2nd April / 3rd April / 5th April.
2. If loan is disbursed on 25th march (After 18th of the month), 1st EMI shall be presented on 2nd May /3rd May / 5th 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 personal 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 Personal 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 : Mohammad Salman
*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.

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
Definitions

1. 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.
2. 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.
3. Non-Performing Asset (NPA) - is a loan or an advance where
1. interest and /or instalment of principal remains overdue for a period of more that 90 days in respect of a term loan.
2. the account remains 'out of order' as indicated below in respect of an Overdraft/Cash credit (OD/CC).
3. the bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted.
4. the instalment of principal or interest thereon remains overdue for two crop seasons for short duration crops
4. "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.
5. 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.
6. 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 Loans in the nature of revolving facilities like cash
credit/overdraft

SMA Sub- Basis for classification - Principal SMA Sub- Basis for classification - Outstanding balance
categories or interest payment or any other categories remains continuously in excess of the
amount wholly or partly overdue 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

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 7. Out of Order - An account shall be treated as "out of order" if
1. the outstanding balance in the CC/OD account remains continuously in excess of the sanctioned limit /drawing power for
90 days or
2. 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 of Payment Payment Age of SMA/NPA SMA since Categorization NPA Date
payment Date covers oldest dues Categorisation Date/SMA class date
in days

01.01.2022 01.01.2022 Entire dues NILL

upto
01.01.2022

01.02.2022 01.02.2022 Partly paid 1 SMA-0 01.02.2022

dues of
01.02.2022

01.02.2022 02.02.2022 Partly paid 2 SMA-O 01.02.2022 NA

dues 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 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 31 SMA- 1 01.02.2022/03.03.2022

of 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

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
01 .04.2022 No payment 60 SMA 1 01.02.2022/03.03.2022
of dues of
01.02.2022
,01.03.2022
and amount
due on
01.4.2022 at
EOD
01.04.2022

No payment 61 SMA 2 01.02.2022/02.04.2022

of dues of
01.02.2022
till 01.04.22
at EOD
02.04.2022

01.05.2022 No payment 90 SMA 2 01.02.2022/02.04.2022

of dues of
01.02.2022
till 01.05.22
at EOD
01.05.2022

No payment 91 NPA NPA 02.05.2022

of dues of
01.02.2022
till
01.05.2022
at EOD
02.05.2022

01.06.2022 01.06.2022 Fully Paid 93 NPA NA 02.05.2022

dues of
01.02.2022
at EOD
01.06.2022

01.07.2022 01.07.2022 Paid entire 62 NPA NA NPA 02.05.2022

dues of 01
.03.2022 &
01.04.2022
at EOD
01.07.2022

01.08.2022 01.08.2022 Paid entire 32 NPA 02.05.2022

dues of
01.05.2022
&
01.06.2022
at EOD
01.08.2022

01.09.2022 01.09.2022 Paid entire 1 02.05.2022

dues of
01.07.2022
&
01.08.2022
at EOD
01.09.2022

01.10.2022 01.10.2022 Paid entire 0 Standard STD from

dues of Account with 01.10.2022
01.09.2022 No Overdues
&
01.10.2022

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 8. 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.

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 Terms & Conditions Applicable to Personal Loan

The person(s) named in the Schedule hereto (hereinafter referred to as the "Schedule") being borrowers, hereinafter collectively referred
to as "Borrower" which expression shall, unless it be repugnant to the context or meaning thereof be deemed to mean and include his/her
heirs, administrators and executors.
In favour of:
IDFC FIRST Bank Ltd, a Company incorporated under the Companies Act, 2013 and a banking company within the meaning of the
Banking Regulation Act, 1949 having its registered office at IDFC FIRST Bank Ltd address KRM Tower, 7th Floor, No. 1, Harrington
Road, Chetpet, Chennai 600 031 Tel.: +91 44 4571 6400, CIN: L65110TN2014PLC097792, bank.info@idfcfirstbank.com,
www.idfcfirstbank.com and a branch office in India at the address mentioned in the Schedule, hereinafter referred to as "The Bank"
(which expression shall, unless repugnant to the context or meaning thereof, shall be deemed to mean and include its successors,
transferees and assigns). In case of there being more than one Borrowers, the reference to the term "Borrower" shall be deemed to be as if
it were plural and this document shall be read accordingly as if made and liabilities undertaken by each of them jointly and severally.
Reference to the masculine gender includes reference to the feminine and neuter genders and vice versa.
The Borrower hereby irrevocable and unconditionally agree to abide by the following terms and conditions: -
1. Pursuant to the application made by the Borrower in the Loan Application Form ("Application"), the Bank has sanctioned the
loan not exceeding the amount mentioned in the Schedule hereto (hereinafter referred to as "Loan"), and the Borrower agrees to
borrower the same, subject to and upon the terms and conditions contained in the Application and/or this document. The Bank
may disburse the Loan or any part thereof ("Disbursement") at its own discretion. Notwithstanding anything contained herein (i)
The borrower is aware that if disbursement / further drawdown is not accepted or not enchased by the borrower/previous financier
within the period of 90 days then Bank shall be entitled to the following: (a) The Bank shall have the right to recall the credit
facility or stop further drawdown/disbursement.(b) The undrawn/ uncashed amount by the borrower/previous financier shall be
adjusted towards Principal outstanding as part prepayment of the loan amount, by giving effect to the EMI in the Loan and
keeping the loan tenor constant.(c) Part payment charges won't be levied on aforementioned adjusted amount. (d) Revised loan
repayment schedule shall be assigned to the borrower. (e) Borrower won't be entitled for refund of any processing fees, service
charge and /or other charges/fees/costs (if any). All these charges (if applicable) would be payable to the Bank whether or not the
Credit facility has been drawn by the borrower. (f) Part payment charges won't be levied on aforementioned adjusted amount. (g)
Revised loan repayment schedule shall be assigned to the borrower. (h) Borrower won't be entitled for refund of any processing
fees, service charge and /or other charges/fees/costs (if any). All these charges (if applicable) would be payable to the Bank
whether or not the Credit facility has been drawn by the borrower. (ii) The Bank may not disburse at any time, any amount under
the Loan unless the following conditions are complied with in the sole discretion of the Bank: (a) This Agreement is duly
executed and delivered to the Bank by the Borrower. (b) The Borrower's submission to the satisfaction of the Bank of a certificate
of employment from his employer and his financial statements. (c) The Borrower's submission to the Bank, post-dated cheques
towards repayment instalments; and (d) Any other document or writing as the Bank may require in its sole discretion. (e) The
Borrower(s) having furnished such Security as may be required by the Bank, as more specifically detailed in the annexure, in a
form and manner satisfactory to the Bank.
2. The Loan, interest, additional interest, default interest any other charges, dues and monies payable, costs and expenses
reimbursable as outstanding from time to time and whether any of them due or not, are hereinafter collectively referred to as
"Outstanding Balance". The Borrower shall pay interest on the Loan, the unpaid due interest and all other outstanding charges
and monies (except the default interest), at the rate of interest specified in the Schedule hereto, on the outstanding daily balance
from the date of disbursement, compoundable at monthly rests. The Bank in its sole discretion would be entitled to change the
said rate interest from time to time including on account of changes made by the Reserve Bank of India, which would be
intimated to the Borrower(s) and would be binding upon the Borrower(s). The Borrower shall also pay and bear all interest tax, if
any, as applicable from time to time. The Borrower (s ) shall repay the Loan and pay the interest that is due from time to time by
way of equated monthly instalments (EMIs) as specified or as may be specified by the Bank from time to time(time being the
essence of the contract). The Borrower has perused, understood and agreed to the Bank's method of calculating EMI's as also the
appropriation thereof into principal and interest. 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

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 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. If any due date fall on a non-business day of the Bank, the payment shall be made by the Borrower on the immediate
preceding business day of the Bank. In case of cheques/other instrument, the payment shall be deemed to have been made by the
Borrower only at the point of time the sum is credited and realized fully in the Bank's account irrespective of the date of
instrument or time of receipt or presentation of instrument. In case of any default, the Borrower shall without prejudice to the
Bank's right and remedies, pay additional/default interest 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.
3. 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, taxes9 as applicable form 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.
4. 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 additional/default interest; (d) Fourthly, towards interest; (e) Fifthly, 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.
5. 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.
6. 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.
7. Notwithstanding anything stated in any document, the continuation of the Loan shall be at sole an absolute discretion of the Bank
and the Bank at any time in its sole discretion and without assigning any reason call upon the Borrower to pay the Outstanding
Balance and upon such demand by the Bank, the Borrower shall, within 48 hours of being so called upon, pay the whole of the
Outstanding Balance to the Bank without any delay or demur.
8. 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.
9. The Borrower shall furnish and create such security from time to time in favour of or for the benefit of the Bank, of such value, in
such form and in such manner, as may be deemed fit by the Bank, forthwith upon so required by the Bank. the Bank shall also
have the right to stipulate any other and further terms and conditions that it may deem fit at any time prior to or after the grant of

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 the Loan; which shall be binding on the Borrower.
10. Each of the Borrowers represent(s) and warrant(s) that (which shall be deemed to have been repeated to the Bank on the date of
Disbursement and on each date thereafter till entire repayment) : (a) The Borrower is a citizen of India and a major (in terms of
age) and is of sound mind and is competent to contract and enter into and perform his/her obligations contemplated under this
document/other document/in respect of the Loan; (b) 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. The Borrower(s) hereby represents/ warrants to
/covenants/ undertakes that he/she shall utilize the loan for the purpose for which it is granted and not for any
improper/illegal/unlawful/speculative/capital market related activities neither for purchase of gold in any form including primary
gold, gold bullion, gold jewelry, 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 utilised for speculative purposes.
11. The Borrower agree that all amounts payable by the Bank and/or Borrower to the Bank shall be payable and be paid at the branch
location or such other place where the Bank operates and the same to be decided by the Bank at its discretion and all the terms
and conditions so far as a possible shall be per formed and carried out at the location.
12. Negative Covenants : The Borrower covenants and agrees that, save and except with the prior, specific and express written
consent of the Bank, the Borrower shall not ; (a) create, assume or incur any further indebtedness to any person; or lend or
advance any amounts to any person; or undertake any guarantee or security obligations; (b) except in favor of the Bank, sell,
license, let lease, transfer, alienate, dispose of in any manner whatsoever, surrender or otherwise encumber any of its assets,
rights, title or interest, receivables, or any part thereof; or create, facilitate or permit to exist any charge, encumbrance or lien of
any kind whatsoever over any of its property or grant any option or other right to purchase, lease or otherwise acquire, any such
assets or part thereof; (c) permit of effect any direct or indirect change in the legal of beneficial ownership or control; (d) Change
/cease/retire from/terminate/resign from the present employment/profession /business disclosed in the Applications; or change,
terminate or open any bank account.
13. The following events shall constitute events of default (each an "Event of Default"), and upon the occurrence of any of them the
entire Outstanding Balance shall become immediately due and payable by the Borrower and further enable the Bank inter alia to
recall the entire Outstanding Balance and/or enforce any security and transfer/sell the same and/or take, initiate and pursue any
actions/proceedings as deemed necessary by the Bank to recovery of the dues; (a) Failure on Borrower's part to perform any of
the obligations or terms or conditions or covenants applicable in relation to the Loan including under this/other documents
including non - payment in full of any part of the Outstanding Balance when due or when demanded by the Bank; (b) 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; (d) 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; or (e) fall, reduction or decrease, in the opinion of the Bank, in values of any security lower than the
values required by the Bank; (f) 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.(g) if the loan amount is used
for investment made in shares, debentures, advances and inter-corporate loans/deposits to other companies (including subsidiary
companies) (g) if the loan amount is used for investment made in shares, debentures, advances and inter-corporate loans /
deposits to other companies (including subsidiary companies).
14. 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 present and future stocks, shares, securities, property, book debts, all moneys in all

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 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.
15. 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.
16. The Bank shall also be entitled to communicate in any manner it may deem fit, to or with any person or persons including
guarantors, person giving reference to loan, with a view to receiving assistance of such person or persons in recovering the
defaulted amounts including but not limited to visiting the property and/or any place of work of the Borrower.
17. The Bank shall be entitled at its discretion to engage/avail of, at the risk and cost of the Borrower, services of any person/third
party service provider/agent/ agency, for anything required to be done for/in relation to/pursuant to the Loan, including
collections, recovery of dues, enforcement of security, getting or verifying any information of the Borrower/assets, and any
necessary or incidental lawful acts /deeds/matters and things connected thereto, as the Bank may deem fit.
18. 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. The
Borrower agrees that the bank has an unconditional right to revoke and/or recall the entire loan facility if the disclosure as
mentioned in this clause is found to be false.
19. The Borrower shall ensure that neither the Borrower nor any director/partner/member of the Borrower has been declared a willful
defaulter; in case any director/partner/member has been declared as a willful defaulter, the Borrower shall take expeditious steps
for removal of such person.
20. Borrower understands and acknowledges that there are inherent risks involved in sending the
instructions/communications/documents to the Bank via electronic mode viz., emails, SMS, 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 Bank liable for any
losses or damages including legal fees arising owing to any miscommunication or technological error beyond the control of the
Bank. 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.
21. DISCLOSURE/SHARING OF INFORMATION
1. In the Event of Default, the Bank/IDFC First shall also be entitled to communicate in any manner it may deem fit, to or
with any person or persons including guarantors, person giving reference to loan, with a view to procure assistance of

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 such person or persons in recovering the defaulted amounts including but not limited to visiting the property and/or any
place of work of the Borrower.
2. The Bank will limit the collection and use of customer information only on a need-to-know basis to deliver better service
to the customers. The Bank may use and share the information provided by the Customers with its Affiliates and third
parties for providing services and any service-related activities such as collecting subscription fees for such services and
notifying or contacting the Customers regarding any problem with, or the expiration of, such services. In this regard, it
may be necessary to disclose the customer information to one or more agents and contractors of the Bank and their sub-
contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained
from the Bank only for these purposes. The customer authorizes the Bank to exchange, share, part with all information
related to the details and transaction history of the customer to its Affiliates/ other banks/ financial institutions/ credit
bureaus/ agencies/ participation in any telecommunication or electronic clearing network as may be required by law,
customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management or any of the
aforesaid purposes and shall not hold the Bank liable for use or disclosure of this information also the customer consents
to receive information about new products, offers, promotions, receive communications, notices, and other information
from the Bank and its agents/service providers/partners etc.(whether through SMS, emails, phone call, automated phone
calls or by any other means . The Bank values your relationship and will at all times strive to ensure your privacy.
22. 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, explosion, earthquakes, epidemics, diseases, accidents, fires, wars, riots, strikes, lockouts , orders of governmental or
other statutory authorities, national emergency, terrorist attacks or any other similar causes.
23. 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.
24. Any notice, approvals, instructions, demand and other communications(including customer copy of Loan Agreement, Key Fact
Statement, Welcome letter, loan transaction documents etc., in reference to this Agreement given or made by the Bank shall be
deemed to be duly given and served if send by Normal post, courier, registered post, facsimile electronic mail, personal delivery,
SMS ,instant messaging app or by pre-paid registered mail addressed to the Borrower's address, phone/ mobile number, fax
number or email as given in the Applications (or at the address changed on which the Bank's acknowledgment is duly obtained as
hereinafter mentioned) such notice and service shall be deemed to take effect on the third working day following the date of
posting thereof in case of normal post, courier, registered post, at the time of delivery if given by personal delivery, upon receipt
of a transmission report if given by facsimile, upon sending the electronic mail or SMS if given by electronic mail or SMS. The
Borrower always undertakes to keep the Bank informed in writing of any change in the mailing address, email id, phone and
mobile number (s) as provided in the Applications and to obtain the Bank's written acknowledgment on the intimation given to
the Bank for any such change.
25. 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.

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 26. 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.
27. 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.
28. GOVERNING LAW AND JURISDICTION
1. This Agreement shall be governed by and interpreted in accordance with the laws of India.
2. The Parties hereto unconditionally submit to the exclusive jurisdiction of the courts and tribunals in place in India where
the branch of the Lender disbursing the Loan is situated, for the determination of any matters arising out of or under this
Agreement. Provided that nothing stated herein shall (and/or shall be construed so as to) limit the right of the Lender to
initiate proceedings against the Borrower or Guarantor, or both, in any other court of competent jurisdiction and nor shall
the initiation of the proceedings in any one or more jurisdictions by the Lender preclude the taking of the proceedings by
the Lender in any other jurisdiction (whether concurrently or not).
3. The Lender is entitled to effect personal service on the Borrower of any writ, summons or other process or document by
leaving it at or sending it by ordinary post to the Borrower's mailing address specified in this Agreement. The Borrower
agrees that such process is deemed validly served on the Borrower immediately, if so left, or on the day immediately
following the date of delivery, if sent by post and that the Borrower is/shall be deemed to have sufficient notice of such
process.
29. This document, Application and other documents have been explained to the Borrower in the language known to the Borrower
and the Borrower has read and understood the same. The Borrower has affixed their signature after verifying and understanding
the contents of this document at the end of the schedule.
30. 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.
31. 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.
32. 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. Borrower undertakes that he will not
hold Bank or Banks business partners/ service providers/ authorized third parties responsible for any such communications
received from 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.
33. The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed
to and accepted and delivered all the terms and conditions contained in Clauses 1 to 33 (including sub clauses), schedule of
charges, Standing Instruction (collectively, "Loan Documents") online by ticking / clicking / checking the "I Agree" or "I
Agree and Accept" or any similar icon/tab/option on the online system / Website / portal / platform of Merchant/ its
agent/ service provider/partners as well as by entering the one time password ("OTP") provided to the Borrower's mobile
number registered with the Bank, and that there is no requirement of Borrower's any other signature or physical signature on the

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181
 Loan Documents or of the Borrower signing the Loan Documents in physical form. The Borrower also acknowledges that the
execution of the agreement would be complete only once the same is accepted by the Bank. The Bank also does not require to
sign the Loan Documents in any physical form. The Bank shall be deemed to have accepted and signed this document online by
way of sending an email/ letter through its officer to the Borrower and attaching therewith the copy of this document. For the
purpose of stamp duty, any writing on a stamp paper or franked page associating the stamp paper or such franked page with this
document will be as good as making the stamp paper/franked page an integral part of this document.
34. I hereby consent to receive information about my loans and offers on WhatsApp on my registered number.
35. The Borrower understands, acknowledges and agrees that the Facilities are uncommitted facilities, are recallable by IDFC FIRST
Bank at any time and may be cancelled and repudiated in part or in entirely by IDFC FIRST Bank at any time without notice and
without giving any reason. Sanction or part disbursal of the facility should not be construed as giving rise to binding obligations
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.

Declaration Third Party Products

1. I/We request IDFC FIRST Bank Limited ("the Bank") to provide us a loan for the Membership/Insurance charges of ICICI
Lombard General Insurance Co. Ltd., Future Generali and/or charges for the services provided by Credit Vidya etc., (hereinafter
referred as "Service Providers"), and hereby authorize the Bank to deduct the said charges from the Loan amount and pay the
amount to ICICI OR Future Generali and/or Credit Vidya OR as may be applicable.
2. 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.
3. I/We 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/us on account of any financial decisions taken by me/us or anyone on my/our behalf on the basis of the
interpretation, if any of the estimated credit score.
4. I/We, hereby declare that I/We have read all the Features, Benefits, Exclusions and Claim Process of the aforementioned
products/ and have voluntarily opted for the same. I/We are aware that in Case of non-disclosure of material facts or fraud, there
would be no refund of premium paid.
5. I/We 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.
6. I/We hereby give consent to the Service Provider to pay the claim amount/service fees up to the outstanding loan amount to the
financer.
7. I/We, the undersigned hereby declare that the above statements and particulars are true, accurate and complete and I/We 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.
8. Insurance is non-mandatory and offered only to customer who voluntarily choose to opt for the same.
9. 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.

Consent for this application no. 400409867469, was electronically provided by Mohammad Salman on 04 Oct, 2023 registered
mobile number 9990756637 from IP Address 152.58.65.181