HOME CREDIT FINANCE PVT.LTD.

CIN NUMBER- U65910HR1997PTC047448

Email Id:- info@homecredit-finance.com
BRANCH MUDRA: THIRD FLOOR, DLF INFINITY TOWER C,
. . CYBER CITY PHASE 2, GURGAON, HARYANA 122002

Loan Sanction Date :- 04-12-2024

REGISTERED BY RBI AND KVIC ACT NBFC 1975 (15)
To,
M/S: KESHAWNANDA

LOAN FACILITY: -PMEGP-PMMY APPROVAL UNDER KVIC

Dear Sir/Madam
HCFIN/56744 Refer to your D.O letter No. 1908745 (10) 2024-CP your documents have been check
through HeadOffice/ E-PORTAL PMEGP-PMMY & It is my privilege to inform you that an amount of
Rs. 10,00,000/- (TEN LAC RUPEES) only can be financed UNDER PMEGP/PMMY by us for your
loan ROI at 5% Per Annum on reducing basis. You have to Deposit Stamp Duties of Loan
Agreement Fee Rs. 3,100 (Rupees Three Thousand One Hundred only) Refundable to
PMEGP/PMMY LEGAL ADVISOR
SANCTION AMOUNT 10,00,000/-
TOTAL EMI MONTHS 84 MONTH ( 7
YEARS)
APPROVED SUBSIDY as per GOVT. RULE 35%
EMI (Easy Monthly Installment) 10,606/- PER
MONTH
RATE OF INTEREST (Reducing) 5% yearly
PROCESSING FEE- REG FEE- LOGIN FEE- SECURITY FEE 3,100/-
SELF STAMP DUTIES Rs.1000 2 STAMP

Kindly deposit Stamp Duties Loan Agreement Fee Rs. 3,100/-amount below mention account:

LEGAL ADVISOR PMEGP-PMMY

(Appointed by Govt of India)

1. In case of any discrepancy, you may write in to us on info@homecredit-finance.com or call our

Customer Excecutive (ABHISHEK CHOUDHARY) all future communication regarding your loan avails
with us.
 NOTE:- LOAN SANCTION LETTER VALIDITY WILL BE 24 Hrs. AFTERTHAT LOAN WILL BE CANCEL (As Per RBI Rule)

Annexure-Z

READ BEFORE SIGNING. THE TERMS OF THIS APPROVEL SHOULD BE READ CAREFULLY BECAUSE ONLYTHOSE TERMS IN
WRITING ARE ENFORCEABLE, NO OTHER TERMS OR ORAL PROMISES NOT CONTAINED IN THIS WRITTEN CONTRACT
MAY BE LEGALLY ENFORCED. YOU MAY CHANGE THE TERMS OF THIS AGREEMENT ONLY BY ANOTHER WRITTEN
AGREEMENT. IF YOU SIGN THIS LOAN APPROVAL, AND YOU DO NOT CLOSE THIS LOAN IN ACCORDANCE WITH THE
DESCRIBED TERMS, WITHOUT INTIMATE YOU MAY LOSE SOME OR ALL OF THE FEES OR CHARGES YOU HAVE PAID.

REFUND TERM & POLICY

Dear Customer pleasereadcarefully our refund policy and after that applies any loan. If you apply loan from our company it’s
mean you are agreeing with our all terms and conditions.

1. You can cancel your loan request any time& Cancel request can take 7 Days to 21Daystime period.
2. After accept your cancel request your amount refund with 5% rate of interest (Note:Rate of Interest is
depending on RBI) RTGS charges are refundable as per RBI guidelines.
3. We cannot refund your amount in Cash, DD, CH amount only refund in your bankaccount through the NEFT
or RTGS only.
4. When company accept your cancel request after that our customer care can't give youany information about
your loan status and your request so please contact with your customer executive for any query.
5. Your customer executive can change your loan cancellation request date but he's alsodepending on insurance
department.
6. If you have average/normal CIBIL SCORE You Will Have to Give Some RefundableProtection in advance to
Company
7. Account changing charges will be applicable (if you change your account fortransaction).
8. After Loan Transaction PMMY/PMEGP Audit Branch will verify and can be demand Loan Insurance
Policy to Secured Loan as per RBI Guideline.

Note: (Online Transaction Needed foryour Bank Account Transaction Verification).

(Thank you for choosing Home Credit Finance Under KVIC. and assuring you of our best Services atall time, looking
forward to a great and long relationship with you.)
For More Details, Contact our executive ABHISHEK CHOUDHARY

I/we agree to the above terms and conditions and agree to furnish in this connection anydetails required by the Bank.

Signature Valid
Digitally Signed by ADHAAR KYC
UNIQUE IDENTIFICATION AUTORITY OF INDIA 03

(Online PMEGP-PMMY Banking Division)

LOAN APPLICANT KYC HOME CREDIT UNDER KVIC
 Khadi And Village Industries Commission
(Ministry Of Micro, Small And Medium Enterprises, Government Of India)
K-Block,Chaudhary Building, Connaught Circle––Central Delhi NewDelhi110001

भारतसरकारGOVERMENTOFINDIA
लघु,कु टीरएवंम4मउपक्रम,भारतसरकार
Confirmation Letter

Reference: PMEGP/DKYC/01220/2024-2025

SUBJECT: Approval Of Loan (Under P.M.M.Y Scheme)

Respected Sir,

Your Application HCF/89715 Refer to your D.O letter No. 1908745 (10) 2024-CP Went Through
Underwriting Successfully to HOME CREDIT LTD. And PMMY/PMEGP Confirmation of Loan
Amount Rs. 10,00,000 (TEN LAKH ONLY) At The Annual Rate Of Interest 5% Reducing Along With
35% Subsidy On Principal Amount.

In brief, The First Payment Of Your EMI Is 2 Months After Disbursement Of Principal.Subsequent Payments Are Due On
The 10ThOf Every Month Thereafter.

Yours Faithfully