APPLICATION AND CONSENT TO BECOME A MEMBER UNDER GROUP LIFE

INSURANCE POLICY FOR CONSUMER DURABLE LOAN CUSTOMERS.

Contract No: 3909452669 Date: 26/10/2019
To,
Home Credit India Finance Private Limited.
3rd Floor, Tower C, DLF Infinity Towers, DLF Cyber City Phase II,
Gurugram, Haryana
I would like to apply for, and accordingly give consent to, voluntarily and unconditionally, membership of group life insurance
policy underwritten by HDFC LIFE Insurance Company Limited (“Insurer”) and proposed by Home Credit India Finance
Private Limited (“Master Policyholder”) for the benefit of its customers/ borrowers who have specifically opted for insurance.

I confirm that I have read and understood the terms and conditions of Group Policy as available on
https://homecredit.co.in/corporate-governance and I have applied for the life insurance with following details only after receiving
all information about the Group Policy, including but not limited to, risk cover, insurance premium and claim settlement process
of Insurer:
HDFC LIFE GROUP CREDIT
Death Benefit as mentioned in Group
Group Policy Risk Coverage
PROTECTION PLUS Policy. No benefit shall be payable on
maturity.
Sum Assured 1.25 Times of the Loan Effective Date 26/10/2019
Insurance Term 2 Year Nominee’s Name SHAWEZ
Insurance Premium Rs. 4.38 per thousand* Nominee’s Relation
with Borrower SON

* Rounding of premium amount upto two decimals. Goods & Service Tax and other taxes extra as applicable.
I agree that the premium under this Group Policy will be included in the monthly fee charged by Master Policyholder basis my
application for the Loan. I hereby authorize Master Policyholder to provide my personal, demographic, business, credit, financial
and other information/ data that is reasonably necessary for the Insurer to provide me with insurance coverage.
I do hereby declare that I have received a loan from Master Policyholder. In order to secure the said loan I have enrolled myself
under the Group Insurance Scheme through the Master Policy Holder offered by Insurer. In consideration of receiving the said
loan I hereby authorize Insurer to make payment to the extent of Outstanding Loan Balance amount to Master Policyholder by
deducting from the claim proceeds payable on happening of the contingent event covered by this Group Policy referenced above
and the remaining to the Nominee. For this purpose, I confirm that ‘Outstanding Loan Amount’ shall include the balance amount
of principal, interest, fee and penalties as mentioned in the statement of loan account submitted by Master Policyholder. I further
declare and confirm that I, or my nominee, and/ or legal heir shall not dispute the right of Master Policyholder to receive the
Outstanding Loan Amount out of the proceeds of insurance claim any point of time.

I declare that I am in a sound state of health. I hereby declare that, as of the date of this declaration, I do not have any history of,
have never suffered from or currently suffering from medical conditions such as, but not limited to, high blood pressure, chest
pain, heart attack or any other heart condition; stroke, transient ischemic attack or any other cerebrovascular disease; diabetes or
any other endocrinal disease; kidney disease; HIV / AIDS or AIDS related complex; any cancer or tumor; asthma or any other
respiratory disease; any mental or nervous disease; hepatitis or any other liver disease; blood disorders; digestive and bowel
disorders; paraplegia, physical disability or any other disorder of the bones, spine or muscle; any other disease, disorder or
disability, not mentioned above and excluding minor impairment such as common cough or cold. I have never undergone or
expect to undergo any surgical procedure for any illness, ailment, disease or disability. In the last 5 years, I have not received any
form of medication for more than 7 consecutive days or been absent from work for more than 7 days. For Female Lives: I further
declare that presently I am not pregnent or I do not have a history in the past of an abortion, miscarriage or caesarian section due
to complications during pregnancy or due to any other cause, I have not given birth to a child with any congenital disorder such as
Down Syndrome, congenital heart disease, etc and I have not ever had any disease of breast, uterus, cervix, ovaries or any other
part of the reproductive system. I further declare that, as of the date of this declaration, I do not engage or intend to engage in any
business, sport or occupation of a hazardous nature. I declare that, I do not have any history of conviction under any criminal
proceedings in India or abroad. I understand, agree and confirm that these statements and this declaration are basis of the
contract between the insurer and the policyholder. If any untrue statement are contained herein or there has been any non
disclosure of any material fact, the policy to be issued by the insurer in the name of the policyholder may be treated as void as far
as I am concerned. I confirm that I have read and understood, the rules and any additional rules of the plan, the standard Policy
provisions and any additional provisions that govern the policy to be issued by insurer in the name of the policyholder and on my
life, and I agree and confirm that the same shall be binding on me. I authorise the policyholder to disclose to the insurer such
particulars as they may require including the details given above and any changes to the same pay the premium payable on my
behalf /collected from me to the Insurer. I understand that any statutory levy or charges including any indirect tax may be charged
to me either now or in future by the insurer and I agree to pay the same. I understand that HDFC LIFE has the right to reject a
proposal without giving reasons thereto and client to give an undertaking thereof that he shall not raise any claims thereof. I
understand the significance of the contract and the contract will be governed by the provisions of the Insurance Act 1938 as
amended from time to time and that the same will not commence until written acceptance of this application by Insurer issue on its
normal terms and conditions is received.

I agree that all the claims under the Group Policy shall be addressed/ resolved by Insurer only. I agree that Master Policyholder
shall be under no obligation to settle any insurance claim. The certificate of insurance shall be provided by the Insurer separately
on approval. I the undersigned hereby declare that the above statements and particulars are true, accurate and complete and I
declare and agree that this declaration shall be held to be promissory and shall be the basis of my membership under Group
Policy. I also confirm the receipt of copy of these terms and conditions from Master Policyholder.

Applicant Sign: Applicant Name: MOHAMMAD ANIS ANSARI

 TERMS & CONDITIONS FOR VALUE ADDED SERVICES (SAFE PAY) – FOR Consumer Durable LOANS
This document lays out the terms and conditions which shall be applicable to the package of value added services (named as SAFE
PAY) mentioned herein below that you (‘the Borrower’) have applied for in the Loan Application Form and financed by Home Credit
India Finance Private Limited (‘HCIN’). By applying, using, availing, or opting for this package, you agree to be bound by these terms
and conditions (SAFE PAY Terms) as mentioned herein as well as the registered General Terms and Conditions for obtaining
Personal Loans & POS Loans from Home Credit India Finance Private Limited (‘GTC’). For terms used herein, please refer GTC
unless otherwise re-defined herein.

1. GENERAL CONDITIONS APPLICABLE TO ALL SERVICES UNDER SAFE PAY

1.1. HCIN is a facilitator that allows you/ the Borrower to avail and use various options/ services as described herein.. For obtaining
this package, you have to apply for the same in Loan Application along with your POS Loan/ Personal Loan requirement. The
options under SAFE PAY shall be applicable only with respect to the Loan applied in same application form used for applying
SAFE PAY for use in the manner mentioned below until the termination of the loan period mentioned in Loan Summary and not
for any existing or future loan availed either from HCIN or any other financial institution/ bank.

1.2. HCIN shall provide these value added services as a complete package. However, you are free to opt for the insurance under
group master policy in SAFE PAY. The fee for SAFE PAY shall be payable monthly along with EMI of your loan (hereinafter
referred as Safe Pay Fee and shall be included in Monthly Instalment). The fee for SAFE PAY shall be payable irrespective of the
fact that you have not utilised any or all services/ options under this package. Services/ options under SAFE PAY are neither
transferrable nor negotiable. Any addition of new options/ services in this package by HCIN shall not be available to you.
1.3. For exercising any of the option/ service except insurance, you have to raise a request with HCIN either by calling at 0124 662
8888 or mailing at care@homecredit.co.in. The request must be raised from your mobile number or e-mail address registered
with HCIN. No other mode of request shall be accepted. The request for exercising this option/ service must be raised at least 15
(fifteen) days before the Due Date of the month for which such option/ service is exercised. If the request is made within 15 days
of the Due Date or anytime thereafter, such request may be activated for the immediate following month to the extent possible
and subject to other conditions of SAFE PAY.

1.4. One or more services/ options in SAFE PAY may be provided by other service providers independent of HCIN. Further, HCIN
may be required to share your personal details with such service providers in order to provide you necessary services. By
applying to SAFE PAY, you agree to abide by the terms & conditions of such service providers as amended from time to time and
grant your consent to HCIN to share your personal details with such service providers. Should you have any issue or concern
arising from the services/ options provided by such service providers, you agree to raise such disputes/ concerns directly to such
service provider and will not make HCIN responsible for any deficiency or breach whatsoever.

1.5. Cancellation: In case you cancel the entire Loan (i.e. including SAFE PAY), or SAFE PAY only, during the free look period as per
Clause 4.13 of GTC, you will not be charged any amounts towards SAFE PAY. The adjustment of fee for SAFE PAY shall be
communicated to you through Contact Options mentioned in your loan application. After free look period, cancellation of SAFE
PAY alone shall not be allowed. However, HCIN may terminate your SAFE PAY package if the Loan is terminated due to
occurrence of any Event of Default mentioned in GTC irrespective of the fact that entire package has not been availed/ utilised by
you until the date of such termination. Such termination of SAFE PAY does not relieve you of obligations to pay charges or costs
accrued towards such package.
2. SPECIFIC CONDITIONS FOR ‘PAYMENT HOLIDAY’ OPTION

2.1. After completing consecutive two months from Effective Date of your Loan, you may choose to postpone the payment of one
Monthly Instalment of the Loan. Such option can be exercised twice during Loan Period provided you have paid all the previous
Monthly Instalments duly on time (i.e. before Due Date) and there has been no amount of any nature outstanding for payment by
you as on the day of activation of the option basis your request as per Clause 1.3 above. This condition needs to be complied
with for availing this option second time as well during Loan Period. This option cannot be exercised for two consecutive months.

2.2. Once this option is exercised, your Loan Period will be extended by one month and you need to make the payment of Monthly
Instalment deferred by you at any time during the balance period of Loan including extended period.

3. SPECIFIC CONDITIONS FOR ‘FREE EARLY REPAYMENT’ OPTION

3.1. You may avail this option any time during Loan Period. Once this option is requested, HCIN representative shall communicate
you the net amount payable for early repayment of the loan. You shall not be charged any penalty on account of prepayment of
the Loan.

4. SPECIFIC CONDITIONS FOR ‘LIFE INSURANCE’ UNDER GROUP INSURANCE

4.1. At the time of applying for the loan, you may specifically opt for life insurance under Group Life Insurance Scheme for selected
customers for a period equivalent to your Loan Tenure mentioned in the Loan Summary. You have to sign an application form
and consent to become a member of group life insurance policy. You are advised to read and understand the terms and
conditions of the policy available on the website of HCIN (https://homecredit.co.in/corporate-governance) as well as the insurance
application/ consent form. The life insurance under Group Life Insurance Scheme shall only be available to the Borrowers who
have specifically opted for insurance.

Acknowledgment from Applicant:

I hereby confirm that I have read and understood clearly and completely the provisions of the aforementioned terms and conditions
and I undertake to abide by the same. I confirm that I have received the copy of these terms and conditions.

Date: Contract Number: 3909452669

Applicant Sign: Applicant Name: MOHAMMAD ANIS ANSARI

APPLICATION AND CONSENT TO BECOME A MEMBER UNDER GROUP LIFE
INSURANCE POLICY FOR CONSUMER DURABLE LOAN CUSTOMERS.
Contract No: 3909452669 Date: 26/10/2019
To,
Home Credit India Finance Private Limited.
3rd Floor, Tower C, DLF Infinity Towers, DLF Cyber City Phase II,
Gurugram, Haryana
I would like to apply for, and accordingly give consent to, voluntarily and unconditionally, membership of group life insurance
policy underwritten by HDFC LIFE Insurance Company Limited (“Insurer”) and proposed by Home Credit India Finance
Private Limited (“Master Policyholder”) for the benefit of its customers/ borrowers who have specifically opted for insurance.

I confirm that I have read and understood the terms and conditions of Group Policy as available on
https://homecredit.co.in/corporate-governance and I have applied for the life insurance with following details only after receiving
all information about the Group Policy, including but not limited to, risk cover, insurance premium and claim settlement process
of Insurer:
HDFC LIFE GROUP CREDIT
Death Benefit as mentioned in Group
Group Policy Risk Coverage
PROTECTION PLUS Policy. No benefit shall be payable on
maturity.
Sum Assured 1.25 Times of the Loan Effective Date 26/10/2019
Insurance Term 2 Year Nominee’s Name SHAWEZ
Insurance Premium Rs. 4.38 per thousand* Nominee’s Relation
with Borrower SON

* Rounding of premium amount upto two decimals. Goods & Service Tax and other taxes extra as applicable.
I agree that the premium under this Group Policy will be included in the monthly fee charged by Master Policyholder basis my
application for the Loan. I hereby authorize Master Policyholder to provide my personal, demographic, business, credit, financial
and other information/ data that is reasonably necessary for the Insurer to provide me with insurance coverage.
I do hereby declare that I have received a loan from Master Policyholder. In order to secure the said loan I have enrolled myself
under the Group Insurance Scheme through the Master Policy Holder offered by Insurer. In consideration of receiving the said
loan I hereby authorize Insurer to make payment to the extent of Outstanding Loan Balance amount to Master Policyholder by
deducting from the claim proceeds payable on happening of the contingent event covered by this Group Policy referenced above
and the remaining to the Nominee. For this purpose, I confirm that ‘Outstanding Loan Amount’ shall include the balance amount
of principal, interest, fee and penalties as mentioned in the statement of loan account submitted by Master Policyholder. I further
declare and confirm that I, or my nominee, and/ or legal heir shall not dispute the right of Master Policyholder to receive the
Outstanding Loan Amount out of the proceeds of insurance claim any point of time.

I declare that I am in a sound state of health. I hereby declare that, as of the date of this declaration, I do not have any history of,
have never suffered from or currently suffering from medical conditions such as, but not limited to, high blood pressure, chest
pain, heart attack or any other heart condition; stroke, transient ischemic attack or any other cerebrovascular disease; diabetes or
any other endocrinal disease; kidney disease; HIV / AIDS or AIDS related complex; any cancer or tumor; asthma or any other
respiratory disease; any mental or nervous disease; hepatitis or any other liver disease; blood disorders; digestive and bowel
disorders; paraplegia, physical disability or any other disorder of the bones, spine or muscle; any other disease, disorder or
disability, not mentioned above and excluding minor impairment such as common cough or cold. I have never undergone or
expect to undergo any surgical procedure for any illness, ailment, disease or disability. In the last 5 years, I have not received any
form of medication for more than 7 consecutive days or been absent from work for more than 7 days. For Female Lives: I further
declare that presently I am not pregnent or I do not have a history in the past of an abortion, miscarriage or caesarian section due
to complications during pregnancy or due to any other cause, I have not given birth to a child with any congenital disorder such as
Down Syndrome, congenital heart disease, etc and I have not ever had any disease of breast, uterus, cervix, ovaries or any other
part of the reproductive system. I further declare that, as of the date of this declaration, I do not engage or intend to engage in any
business, sport or occupation of a hazardous nature. I declare that, I do not have any history of conviction under any criminal
proceedings in India or abroad. I understand, agree and confirm that these statements and this declaration are basis of the
contract between the insurer and the policyholder. If any untrue statement are contained herein or there has been any non
disclosure of any material fact, the policy to be issued by the insurer in the name of the policyholder may be treated as void as far
as I am concerned. I confirm that I have read and understood, the rules and any additional rules of the plan, the standard Policy
provisions and any additional provisions that govern the policy to be issued by insurer in the name of the policyholder and on my
life, and I agree and confirm that the same shall be binding on me. I authorise the policyholder to disclose to the insurer such
particulars as they may require including the details given above and any changes to the same pay the premium payable on my
behalf /collected from me to the Insurer. I understand that any statutory levy or charges including any indirect tax may be charged
to me either now or in future by the insurer and I agree to pay the same. I understand that HDFC LIFE has the right to reject a
proposal without giving reasons thereto and client to give an undertaking thereof that he shall not raise any claims thereof. I
understand the significance of the contract and the contract will be governed by the provisions of the Insurance Act 1938 as
amended from time to time and that the same will not commence until written acceptance of this application by Insurer issue on its
normal terms and conditions is received.

I agree that all the claims under the Group Policy shall be addressed/ resolved by Insurer only. I agree that Master Policyholder
shall be under no obligation to settle any insurance claim. The certificate of insurance shall be provided by the Insurer separately
on approval. I the undersigned hereby declare that the above statements and particulars are true, accurate and complete and I
declare and agree that this declaration shall be held to be promissory and shall be the basis of my membership under Group
Policy. I also confirm the receipt of copy of these terms and conditions from Master Policyholder.

Applicant Sign: Applicant Name: MOHAMMAD ANIS ANSARI

 TERMS & CONDITIONS FOR VALUE ADDED SERVICES (SAFE PAY) – FOR Consumer Durable LOANS
This document lays out the terms and conditions which shall be applicable to the package of value added services (named as SAFE
PAY) mentioned herein below that you (‘the Borrower’) have applied for in the Loan Application Form and financed by Home Credit
India Finance Private Limited (‘HCIN’). By applying, using, availing, or opting for this package, you agree to be bound by these terms
and conditions (SAFE PAY Terms) as mentioned herein as well as the registered General Terms and Conditions for obtaining
Personal Loans & POS Loans from Home Credit India Finance Private Limited (‘GTC’). For terms used herein, please refer GTC
unless otherwise re-defined herein.

1. GENERAL CONDITIONS APPLICABLE TO ALL SERVICES UNDER SAFE PAY

1.1. HCIN is a facilitator that allows you/ the Borrower to avail and use various options/ services as described herein.. For obtaining
this package, you have to apply for the same in Loan Application along with your POS Loan/ Personal Loan requirement. The
options under SAFE PAY shall be applicable only with respect to the Loan applied in same application form used for applying
SAFE PAY for use in the manner mentioned below until the termination of the loan period mentioned in Loan Summary and not
for any existing or future loan availed either from HCIN or any other financial institution/ bank.

1.2. HCIN shall provide these value added services as a complete package. However, you are free to opt for the insurance under
group master policy in SAFE PAY. The fee for SAFE PAY shall be payable monthly along with EMI of your loan (hereinafter
referred as Safe Pay Fee and shall be included in Monthly Instalment). The fee for SAFE PAY shall be payable irrespective of the
fact that you have not utilised any or all services/ options under this package. Services/ options under SAFE PAY are neither
transferrable nor negotiable. Any addition of new options/ services in this package by HCIN shall not be available to you.
1.3. For exercising any of the option/ service except insurance, you have to raise a request with HCIN either by calling at 0124 662
8888 or mailing at care@homecredit.co.in. The request must be raised from your mobile number or e-mail address registered
with HCIN. No other mode of request shall be accepted. The request for exercising this option/ service must be raised at least 15
(fifteen) days before the Due Date of the month for which such option/ service is exercised. If the request is made within 15 days
of the Due Date or anytime thereafter, such request may be activated for the immediate following month to the extent possible
and subject to other conditions of SAFE PAY.

1.4. One or more services/ options in SAFE PAY may be provided by other service providers independent of HCIN. Further, HCIN
may be required to share your personal details with such service providers in order to provide you necessary services. By
applying to SAFE PAY, you agree to abide by the terms & conditions of such service providers as amended from time to time and
grant your consent to HCIN to share your personal details with such service providers. Should you have any issue or concern
arising from the services/ options provided by such service providers, you agree to raise such disputes/ concerns directly to such
service provider and will not make HCIN responsible for any deficiency or breach whatsoever.

1.5. Cancellation: In case you cancel the entire Loan (i.e. including SAFE PAY), or SAFE PAY only, during the free look period as per
Clause 4.13 of GTC, you will not be charged any amounts towards SAFE PAY. The adjustment of fee for SAFE PAY shall be
communicated to you through Contact Options mentioned in your loan application. After free look period, cancellation of SAFE
PAY alone shall not be allowed. However, HCIN may terminate your SAFE PAY package if the Loan is terminated due to
occurrence of any Event of Default mentioned in GTC irrespective of the fact that entire package has not been availed/ utilised by
you until the date of such termination. Such termination of SAFE PAY does not relieve you of obligations to pay charges or costs
accrued towards such package.
2. SPECIFIC CONDITIONS FOR ‘PAYMENT HOLIDAY’ OPTION

2.1. After completing consecutive two months from Effective Date of your Loan, you may choose to postpone the payment of one
Monthly Instalment of the Loan. Such option can be exercised twice during Loan Period provided you have paid all the previous
Monthly Instalments duly on time (i.e. before Due Date) and there has been no amount of any nature outstanding for payment by
you as on the day of activation of the option basis your request as per Clause 1.3 above. This condition needs to be complied
with for availing this option second time as well during Loan Period. This option cannot be exercised for two consecutive months.

2.2. Once this option is exercised, your Loan Period will be extended by one month and you need to make the payment of Monthly
Instalment deferred by you at any time during the balance period of Loan including extended period.

3. SPECIFIC CONDITIONS FOR ‘FREE EARLY REPAYMENT’ OPTION

3.1. You may avail this option any time during Loan Period. Once this option is requested, HCIN representative shall communicate
you the net amount payable for early repayment of the loan. You shall not be charged any penalty on account of prepayment of
the Loan.

4. SPECIFIC CONDITIONS FOR ‘LIFE INSURANCE’ UNDER GROUP INSURANCE

4.1. At the time of applying for the loan, you may specifically opt for life insurance under Group Life Insurance Scheme for selected
customers for a period equivalent to your Loan Tenure mentioned in the Loan Summary. You have to sign an application form
and consent to become a member of group life insurance policy. You are advised to read and understand the terms and
conditions of the policy available on the website of HCIN (https://homecredit.co.in/corporate-governance) as well as the insurance
application/ consent form. The life insurance under Group Life Insurance Scheme shall only be available to the Borrowers who
have specifically opted for insurance.

Acknowledgment from Applicant:

I hereby confirm that I have read and understood clearly and completely the provisions of the aforementioned terms and conditions
and I undertake to abide by the same. I confirm that I have received the copy of these terms and conditions.

Date: Contract Number: 3909452669

Applicant Sign: Applicant Name: MOHAMMAD ANIS ANSARI

State Office : null

LOAN SUMMARY
Mr. MOHAMMAD ANIS ANSARI Contract Number 3909452669
PLOT NO 12 KNO 29 , floor 0, HARDOI ROAD RAM NAGAR, BALAGANJ
Lucknow, Lucknow, Uttar Pradesh, 226003 Customer Id 17463665

Welcome to the Home Credit Family. Congratulations! Your Loan of Rs. 11,490.00 is approved, effective date 26th Oct 2019.

Product Manufacturer/ Model Price LATE PAYMENT CHARGES(incl. of all Taxes)

Service Provider

Mobiles / Mobile VIVO S1 16,990.00 Rs. 0 Rs. 350 Rs. 800 Rs. 1,350 Rs. 2,100 Rs.
phone (+350) (+450) (+550) (+750)

On Due Date after 1 day after 30 days after 60 days after 90 days

Late payment charges will be charged for non payment of Monthly

Instalment on or before respective Due Dates.

LOAN DETAILS
OTHER CHARGES
(A) Total Product Price 16990.00 Rs.
(B) Downpayment 5,500.00 Rs. Prepayment Terms Anytime during loan term

(C) Loan Amount (A-B) 11,490.00 Rs. Prepayment Penalty(incl. of all Taxes) Nil

(D) Processing Fee(incl. of all Taxes) 0.00 Rs. Direct Debit Bounce Fee(incl. of all Taxes) 300 Rs.

(E) Pay Now (B+D) 5,500.00 Rs.

OTHER DETAILS
(F) Flat Interest Rate 7.75 % p.a.
*Recommended Payment Date 26th of every month
(G) Interest Amount 964.00 Rs.
(H) EMI (Equated Monthly Instalment) 958.00 Rs. Due Date 2nd of every month
(I) Number of Monthly Instalments 13 First Monthly Instalment 2nd Dec 2019
Term of Loan 13 months
(J) Safe Pay Fee per month(incl. of all Taxes) 137.00 Rs.
Mode of repayment Direct debit
(K) Monthly Instalment (H+J) 1,095.00 Rs.
Bank BANK OF BARODA
(L) SGST @ 9% (Applicable on D and J) 135.85 Rs.
Ensure sufficient balance in your bank account for Direct Debit of
CGST @ 9% (Applicable on D and J) 0.00 Rs. Monthly Instalments.

OTHER TERMS & CONDITIONS

1. Please refer 'General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited (HCIN)' ('GTC') as registered with Sub-
Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 for terms and conditions applicable to this loan, a
copy of which has been provided to you and is also available at website of HCIN i.e. https://homecredit.co.in/corporate-governance.
2. You authorize HCIN to accept all the instructions/ applications/ requests made by you through any of the Contact Options (such as e-mail, sms, mobile application, etc.)
mentioned in the GTC (such as e-mail, sms, etc.) in respect of all Loan(s) obtained by you and for the purposes of considering, granting, approving, or disbursing the Loan(s).
3. HCIN offers different interest rate based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's
age, income, type of documents provided by the applicant and any other information as may be required for the purpose of credit evaluation. You understand that HCIN offers and
charges different rate of interest to different borrowers based on the aforesaid rationales and you agree to abide by such rationale. You further confirm that HCIN shall be entitled
to categorise you under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance. The Interest Amount has been calculated
using flat rate of interest for the entire loan period. Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount.
4. The loan sanctioned to you has been covered under the interest subsidy granted by the manufacturer / dealer. Without such interest subsidy, the flat rate of interest may vary
from nil to 36% p.a.
5*. You are advised to make payment of Monthly Instalment by Recommended Payment Date so that your loan account is appropriately credited with the Monthly Instalment by
Due Date.
6. In case you have availed value added services (SAFE PAY) and/ or enrolled for Group Insurance on finance, you agree to abide by the terms and conditions for such value
added services and Group Insurance Policy. Such terms and conditions are also available on website of HCIN i.e. https://homecredit.co.in/corporate-governance.
7. If the Borrower pays all the Monthly Instalments duly on time (i.e. on or before Due Date every month), his/her last Monthly Instalment as per the Repayment Schedule will be
waived off. However, the Borrower shall not be eligible for the said waiver in case of any prepayment of Outstanding Balance or in the case of non-adherence of the Repayment
Schedule, the General Terms & Conditions or the terms and conditions of this Loan Summary.

For Home Credit India Finance Private Limited

AUTHORIZED SIGNATORY

Date: 26/10/2019

Note: This is a computer generated document and therefore does not require the signature from the Company.

Registered Office-Home Credit India Finance Private Limited, 3rd Floor, Infinity Tower C, DLF Cyber City Phase 2, Gurugram, Haryana 122002
State Office : null

LOAN SUMMARY
Mr. MOHAMMAD ANIS ANSARI Contract Number 3909452669
PLOT NO 12 KNO 29 , floor 0, HARDOI ROAD RAM NAGAR, BALAGANJ
Lucknow, Lucknow, Uttar Pradesh, 226003 Customer Id 17463665

Welcome to the Home Credit Family. Congratulations! Your Loan of Rs. 11,490.00 is approved, effective date 26th Oct 2019.

Product Manufacturer/ Model Price LATE PAYMENT CHARGES(incl. of all Taxes)

Service Provider

Mobiles / Mobile VIVO S1 16,990.00 Rs. 0 Rs. 350 Rs. 800 Rs. 1,350 Rs. 2,100 Rs.
phone (+350) (+450) (+550) (+750)

On Due Date after 1 day after 30 days after 60 days after 90 days

Late payment charges will be charged for non payment of Monthly

Instalment on or before respective Due Dates.

LOAN DETAILS
OTHER CHARGES
(A) Total Product Price 16990.00 Rs.
(B) Downpayment 5,500.00 Rs. Prepayment Terms Anytime during loan term

(C) Loan Amount (A-B) 11,490.00 Rs. Prepayment Penalty(incl. of all Taxes) Nil

(D) Processing Fee(incl. of all Taxes) 0.00 Rs. Direct Debit Bounce Fee(incl. of all Taxes) 300 Rs.

(E) Pay Now (B+D) 5,500.00 Rs.

OTHER DETAILS
(F) Flat Interest Rate 7.75 % p.a.
*Recommended Payment Date 26th of every month
(G) Interest Amount 964.00 Rs.
(H) EMI (Equated Monthly Instalment) 958.00 Rs. Due Date 2nd of every month
(I) Number of Monthly Instalments 13 First Monthly Instalment 2nd Dec 2019
Term of Loan 13 months
(J) Safe Pay Fee per month(incl. of all Taxes) 137.00 Rs.
Mode of repayment Direct debit
(K) Monthly Instalment (H+J) 1,095.00 Rs.
Bank BANK OF BARODA
(L) SGST @ 9% (Applicable on D and J) 135.85 Rs.
Ensure sufficient balance in your bank account for Direct Debit of
CGST @ 9% (Applicable on D and J) 0.00 Rs. Monthly Instalments.

OTHER TERMS & CONDITIONS

1. Please refer 'General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited (HCIN)' ('GTC') as registered with Sub-
Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 for terms and conditions applicable to this loan, a
copy of which has been provided to you and is also available at website of HCIN i.e. https://homecredit.co.in/corporate-governance.
2. You authorize HCIN to accept all the instructions/ applications/ requests made by you through any of the Contact Options (such as e-mail, sms, mobile application, etc.)
mentioned in the GTC (such as e-mail, sms, etc.) in respect of all Loan(s) obtained by you and for the purposes of considering, granting, approving, or disbursing the Loan(s).
3. HCIN offers different interest rate based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's
age, income, type of documents provided by the applicant and any other information as may be required for the purpose of credit evaluation. You understand that HCIN offers and
charges different rate of interest to different borrowers based on the aforesaid rationales and you agree to abide by such rationale. You further confirm that HCIN shall be entitled
to categorise you under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance. The Interest Amount has been calculated
using flat rate of interest for the entire loan period. Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount.
4. The loan sanctioned to you has been covered under the interest subsidy granted by the manufacturer / dealer. Without such interest subsidy, the flat rate of interest may vary
from nil to 36% p.a.
5*. You are advised to make payment of Monthly Instalment by Recommended Payment Date so that your loan account is appropriately credited with the Monthly Instalment by
Due Date.
6. In case you have availed value added services (SAFE PAY) and/ or enrolled for Group Insurance on finance, you agree to abide by the terms and conditions for such value
added services and Group Insurance Policy. Such terms and conditions are also available on website of HCIN i.e. https://homecredit.co.in/corporate-governance.
7. If the Borrower pays all the Monthly Instalments duly on time (i.e. on or before Due Date every month), his/her last Monthly Instalment as per the Repayment Schedule will be
waived off. However, the Borrower shall not be eligible for the said waiver in case of any prepayment of Outstanding Balance or in the case of non-adherence of the Repayment
Schedule, the General Terms & Conditions or the terms and conditions of this Loan Summary.

For Home Credit India Finance Private Limited

AUTHORIZED SIGNATORY

Date: 26/10/2019

Note: This is a computer generated document and therefore does not require the signature from the Company.

Registered Office-Home Credit India Finance Private Limited, 3rd Floor, Infinity Tower C, DLF Cyber City Phase 2, Gurugram, Haryana 122002
 Contract No: 3909452669 DELIVERY ADVICE Date: 26/10/2019

Valid Upto: 02/11/2019

To,
RHYTHM ENTERPRISES, floor 0, COMPLEX NEAR MARI MATA MANDIR, Lucknow, LUCKNOW, 226003, Uttar
Pradesh, India, 5K0QKO

Dear Dealer,

POS Salesroom Code: 011260U39

The loan application of Customer has been approved by Home Credit India Finance Private Limited (HCIN). You are
requested to collect the Total Amount from the Customer and deliver the Product to the Customer. The Customer, Product
and Disbursement details are as follows:

Customer Name: MOHAMMAD ANIS ANSARI Customer Mobile No : 9956966187

Customer's Address : PLOT NO 12 KNO 29 , floor 0, NEAR LAL MASJID, Lucknow, HARDOI ROAD RAM NAGAR, 0,
Lucknow, 226003, Uttar Pradesh, India

A Product Type Mobile phone

B Manufacturer VIVO
C Model Name and Number S1(4+128G)
D Product Price Rs. 16,990.00
E Accessories Price Rs. 0.00
F Down Payment Rs. 5,500.00
G Processing Fee (GST Incl.) Rs. 0.00
H *Total Amount to be collected from Customer (F + G) Rs. 5,500.00
I Interest Subsidy on Product payable by Dealer Rs. 0.00
J GST on Interest Subsidy for Product, payable by Dealer Rs. 0.00
K Interest Subsidy on Accessories payable by Dealer Rs. 0.00
L GST on Interest Subsidy for Accessories payable by Dealer Rs. 0.00
M Total Interest Subsidy payable by Dealer (I + J + K + L) Rs. 0.00
N Amount to be Disbursed on Contract Activation [ [D+E]-(H+M)] Rs. 11,490.00

1. Please provide the copy of invoice with Customer signature (Proof of Delivery) in order to complete the disbursal process.

2. The disbursement will be released after contract is activated by HCIN.

3. The disbursement is subject to receiving the Loan Documents and Customer Documents as per the standards acceptable to HCIN
within 7 days from the date of Delivery Advice. In case of any discrepancy in aforesaid documents, HCIN reserve the right to withhold/
cancel the payment.

4. The Dealer Registration Conditions/ Dealer Agreement shall be applicable on Delivery Advice.

Regards, Acknowledgement
For Home Credit India Finance Pvt. Ltd.

Authorised Signatory Dealer Authorised Signatory with

 Contract No: 3909452669 DELIVERY ADVICE Date: 26/10/2019

Valid Upto: 02/11/2019

To,
RHYTHM ENTERPRISES, floor 0, COMPLEX NEAR MARI MATA MANDIR, Lucknow, LUCKNOW, 226003, Uttar
Pradesh, India, 5K0QKO

Dear Dealer,

POS Salesroom Code: 011260U39

The loan application of Customer has been approved by Home Credit India Finance Private Limited (HCIN). You are
requested to collect the Total Amount from the Customer and deliver the Product to the Customer. The Customer, Product
and Disbursement details are as follows:

Customer Name: MOHAMMAD ANIS ANSARI Customer Mobile No : 9956966187

Customer's Address : PLOT NO 12 KNO 29 , floor 0, NEAR LAL MASJID, Lucknow, HARDOI ROAD RAM NAGAR, 0,
Lucknow, 226003, Uttar Pradesh, India

A Product Type Mobile phone

B Manufacturer VIVO
C Model Name and Number S1(4+128G)
D Product Price Rs. 16,990.00
E Accessories Price Rs. 0.00
F Down Payment Rs. 5,500.00
G Processing Fee (GST Incl.) Rs. 0.00
H *Total Amount to be collected from Customer (F + G) Rs. 5,500.00
I Interest Subsidy on Product payable by Dealer Rs. 0.00
J GST on Interest Subsidy for Product, payable by Dealer Rs. 0.00
K Interest Subsidy on Accessories payable by Dealer Rs. 0.00
L GST on Interest Subsidy for Accessories payable by Dealer Rs. 0.00
M Total Interest Subsidy payable by Dealer (I + J + K + L) Rs. 0.00
N Amount to be Disbursed on Contract Activation [ [D+E]-(H+M)] Rs. 11,490.00

1. Please provide the copy of invoice with Customer signature (Proof of Delivery) in order to complete the disbursal process.

2. The disbursement will be released after contract is activated by HCIN.

3. The disbursement is subject to receiving the Loan Documents and Customer Documents as per the standards acceptable to HCIN
within 7 days from the date of Delivery Advice. In case of any discrepancy in aforesaid documents, HCIN reserve the right to withhold/
cancel the payment.

4. The Dealer Registration Conditions/ Dealer Agreement shall be applicable on Delivery Advice.

Regards, Acknowledgement
For Home Credit India Finance Pvt. Ltd.

Authorised Signatory Dealer Authorised Signatory with

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 0124-662-8888, Fax:+91 124 4907650, Email:care@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due (together to be called Due Amount) in respect of the Loan(s) obtained from Home Credit India Finance Private Limited
(‘HCIN’) from time to time, I hereby authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the
bank account, details of which are provided to HCIN for the purpose of debiting my said bank account.

In case I obtain more than one Loan from HCIN and chooses to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. I also authorize the bank and HCIN to debit my bank account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby confirm that the particulars of bank account provided by me are correct and complete. If the transaction is delayed, or not
effected at all, for reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.

I further undertake that the Mandate given by me shall remain valid and binding until all the Due Amount are duly paid to the satisfaction
of HCIN and that I shall not initiate any step/ action leading to cancellation of Mandate, or closure of bank account or for dishonour of
Mandate without prior approval in writing from HCIN.

I further acknowledge that in order to verify my Bank Account details, HCIN shall be crediting a penny amount in my Bank Account.
Upon verification, HCIN shall use the Bank Account for the requisite purposes as agreed in Loan Documents

Thanking you,

Name: _____________________ Signature: _____________________

CUT FROM HERE

ACH-TPL
2 6 1 0 2 0 1 9
ICI0TREA00 ICIC00261000001992
HOMECRINDFINPVTLTD
2 7 4 2 0 1 0 0 0 1 0 3 1 7
BANK OF BARODA 2 2 6 0 1 2 0 1 3
Eleven Thousand Four Hundred Ninety 11,490.00

390945266901

0 2 1 2 2 0 1 9

ANIS ANSARI

TILL HERE
 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 0124-662-8888, Fax:+91 124 4907650, Email:care@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due (together to be called Due Amount) in respect of the Loan(s) obtained from Home Credit India Finance Private Limited
(‘HCIN’) from time to time, I hereby authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the
bank account, details of which are provided to HCIN for the purpose of debiting my said bank account.

In case I obtain more than one Loan from HCIN and chooses to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. I also authorize the bank and HCIN to debit my bank account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby confirm that the particulars of bank account provided by me are correct and complete. If the transaction is delayed, or not
effected at all, for reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.

I further undertake that the Mandate given by me shall remain valid and binding until all the Due Amount are duly paid to the satisfaction
of HCIN and that I shall not initiate any step/ action leading to cancellation of Mandate, or closure of bank account or for dishonour of
Mandate without prior approval in writing from HCIN.

I further acknowledge that in order to verify my Bank Account details, HCIN shall be crediting a penny amount in my Bank Account.
Upon verification, HCIN shall use the Bank Account for the requisite purposes as agreed in Loan Documents

Thanking you,

Name: _____________________ Signature: _____________________

CUT FROM HERE

HOMECRINDFINPVTLTD
2 7 4 2 0 1 0 0 0 1 0 3 1 7
BANK OF BARODA 2 2 6 0 1 2 0 1 3
Eleven Thousand Four Hundred Ninety 11,490.00

ANIS ANSARI

TILL HERE
 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 0124-662-8888, Fax:+91 124 4907650, Email:care@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited
Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due (together to be called Due Amount) in respect of the Loan(s) obtained from Home Credit India Finance Private Limited
(‘HCIN’) from time to time, I hereby authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the
bank account, details of which are provided to HCIN for the purpose of debiting my said bank account.

In case I obtain more than one Loan from HCIN and chooses to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. I also authorize the bank and HCIN to debit my bank account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby confirm that the particulars of bank account provided by me are correct and complete. If the transaction is delayed, or not
effected at all, for reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.

I further undertake that the Mandate given by me shall remain valid and binding until all the Due Amount are duly paid to the satisfaction
of HCIN and that I shall not initiate any step/ action leading to cancellation of Mandate, or closure of bank account or for dishonour of
Mandate without prior approval in writing from HCIN.

I further acknowledge that in order to verify my Bank Account details, HCIN shall be crediting a penny amount in my Bank Account.
Upon verification, HCIN shall use the Bank Account for the requisite purposes as agreed in Loan Documents

Thanking you,

Name: _____________________ Signature: _____________________

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 0124-662-8888, Fax:+91 124 4907650, Email:care@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due (together to be called Due Amount) in respect of the Loan(s) obtained from Home Credit India Finance Private Limited
(‘HCIN’) from time to time, I hereby authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the
bank account, details of which are provided to HCIN for the purpose of debiting my said bank account.

In case I obtain more than one Loan from HCIN and chooses to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. I also authorize the bank and HCIN to debit my bank account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby confirm that the particulars of bank account provided by me are correct and complete. If the transaction is delayed, or not
effected at all, for reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.

I further undertake that the Mandate given by me shall remain valid and binding until all the Due Amount are duly paid to the satisfaction
of HCIN and that I shall not initiate any step/ action leading to cancellation of Mandate, or closure of bank account or for dishonour of
Mandate without prior approval in writing from HCIN.

I further acknowledge that in order to verify my Bank Account details, HCIN shall be crediting a penny amount in my Bank Account.
Upon verification, HCIN shall use the Bank Account for the requisite purposes as agreed in Loan Documents

Thanking you,

Name: _____________________ Signature: _____________________

CUT FROM HERE

ACH-TPL
2 6 1 0 2 0 1 9
ICI0TREA00 ICIC00261000001992
HOMECRINDFINPVTLTD
2 7 4 2 0 1 0 0 0 1 0 3 1 7
BANK OF BARODA 2 2 6 0 1 2 0 1 3
Eleven Thousand Four Hundred Ninety 11,490.00

390945266901

0 2 1 2 2 0 1 9

ANIS ANSARI

TILL HERE
 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 0124-662-8888, Fax:+91 124 4907650, Email:care@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due (together to be called Due Amount) in respect of the Loan(s) obtained from Home Credit India Finance Private Limited
(‘HCIN’) from time to time, I hereby authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the
bank account, details of which are provided to HCIN for the purpose of debiting my said bank account.

In case I obtain more than one Loan from HCIN and chooses to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. I also authorize the bank and HCIN to debit my bank account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby confirm that the particulars of bank account provided by me are correct and complete. If the transaction is delayed, or not
effected at all, for reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.

I further undertake that the Mandate given by me shall remain valid and binding until all the Due Amount are duly paid to the satisfaction
of HCIN and that I shall not initiate any step/ action leading to cancellation of Mandate, or closure of bank account or for dishonour of
Mandate without prior approval in writing from HCIN.

I further acknowledge that in order to verify my Bank Account details, HCIN shall be crediting a penny amount in my Bank Account.
Upon verification, HCIN shall use the Bank Account for the requisite purposes as agreed in Loan Documents

Thanking you,

Name: _____________________ Signature: _____________________

CUT FROM HERE

HOMECRINDFINPVTLTD
2 7 4 2 0 1 0 0 0 1 0 3 1 7
BANK OF BARODA 2 2 6 0 1 2 0 1 3
Eleven Thousand Four Hundred Ninety 11,490.00

ANIS ANSARI

TILL HERE
 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 0124-662-8888, Fax:+91 124 4907650, Email:care@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited
Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due (together to be called Due Amount) in respect of the Loan(s) obtained from Home Credit India Finance Private Limited
(‘HCIN’) from time to time, I hereby authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the
bank account, details of which are provided to HCIN for the purpose of debiting my said bank account.

In case I obtain more than one Loan from HCIN and chooses to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. I also authorize the bank and HCIN to debit my bank account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby confirm that the particulars of bank account provided by me are correct and complete. If the transaction is delayed, or not
effected at all, for reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.

I further undertake that the Mandate given by me shall remain valid and binding until all the Due Amount are duly paid to the satisfaction
of HCIN and that I shall not initiate any step/ action leading to cancellation of Mandate, or closure of bank account or for dishonour of
Mandate without prior approval in writing from HCIN.

I further acknowledge that in order to verify my Bank Account details, HCIN shall be crediting a penny amount in my Bank Account.
Upon verification, HCIN shall use the Bank Account for the requisite purposes as agreed in Loan Documents

Thanking you,

Name: _____________________ Signature: _____________________

 APPLICATION FORM
Contract No. 3909452669 POS Code 011260U39 SA Code OpenAPI_User Date 26/10/2019
APPLICANT DETAIL
Name MOHAMMAD ANIS ANSARI Date of Birth 01/03/1973 Gender Male
Father's Name MOHAMMAD KAMAL ANSARI Mother's Name JAMILA KHATOON
APPLICANT CONTACTS Mobile 9956966187 Email null
Residential Address

Yes, I would like to obtain the facility for applying and obtaining Loan from Home Credit India Finance Private Limited (HCIN) over the phone, e-mail,
sms, HCIN's customer portal (i.e. Contact Options) as per the applicable terms and conditons of HCIN.

REFERENCES Contact Relation Name Contact phone numbers

Close family person SHAWEZ ANSARI 8419829608
Friend SHAAN X 9807494960
I hereby confirm that I have the permission from the aforesaid persons for providing their contact detail to HCIN for calling them in respect of verification
of my detail provided in this application form. I authorize HCIN to share my detail provided in this application form also with aforesaid persons from time
to time for verification and updating purposes.
DOCUMENTS TO PROVIDE WITH LOAN APPLICATION
Identity & Address Proof: PAN/ Form 60 (as applicable), Aadhaar (masked), Bank/ Credit Card/ Post Office Saving Account Statement/ Passbook, Passport,
Driving Licence, Voter ID, Utility Bill, NREGA Job Card, Letter issued by National Population Register, Government House Allotment
Letter, Property/ Municipal Tax Receipt, Pension Order
Income proof (where applicable): Income tax return, Salary slip, Bank Statement showing Salary credit
Document Type ID
Photo of Client
PAN Card (OVD) ANJPA1872C
UID Address Proof 2520
I understand and confirm that the Application Form, photograph and all other documents submitted by me to HCIN shall not be returned to me and HCIN shall have the right
to retain the same. Further, I undertake to inform HCIN within 7 days of any change in any of the detail mentioned herein.
WORK EXPERIENCE Employment Type Economical Status Selfemployed
Total Experience 0 Profession Other Industry Services
Employer's Name SHIFA CLINIC Department
Office Address SHIFA CLINIC, floor 0
BALAGANJ, NEAR LAL MASJID, Lucknow, 226003
Landline Number 8299561347 Ext. Employed Since 01/03/2015

MONTHLY INCOME & EXPENSES Occupation Income Rs. 18,000.00 Additional Income
Household Income Household Expenses Amount of Debt Rs. 0.00
Financial Situation Salary Day 0 Income Receipt Mode
PRODUCT TO FINANCE
Product Category / Type Manufacturer/ Service Provider Model Name & No./Product Details Price
Mobiles / Mobile phone VIVO S1(4+128G) Rs. 16,990.00

LOAN DETAIL
I confirm that I have applied for the loan with following detail as per my requirements.
Loan Amount (Rs) 11,490.00 Flat Interest Rate 7.75 % p.a. Term of the Loan 13 months
EMI (Rs.) 958.00 Safe Pay Fee per month (Rs.) 137.00 Monthly Instalment (Rs.) 1,095.00
Processing Fee (Rs.) 0.00 Number of Advance Instalment 0 Advance Instalment (Rs.) 0
Number of Monthly Instalment 13 Loan Purpose Product Financing Payment Frequency Monthly
1. I confirm that I have applied for value added services (SAFE PAY) after carefully understanding the terms & conditions for SAFE PAY as available on website of HCIN i.e. https://homecredit.co.in/corporate-governance
and agree to unconditionally abide by the same. I further understand and agree that, if I opt for life insurance under Group Life Insurance scheme of HCIN, the SAFE PAY fee shall also include the amount of insurance
premium as mentioned in insurance application/ Certificate of Insurance.

GENERAL DECLARATIONS BY THE APPLICANT/ BORROWER

1. I hereby confirm that I am a citizen of India and competent to give this declaration/ undertaking and to execute and submit this Application Form and all other documents for the purpose of availing loan,
creation of security and representing generally for all the purposes mentioned/required to be done for these presents.
2. I confirm that all the particulars and information given in the application form and otherwise in writing or over the Contact Options by me, are true, correct and complete and no information has been
withheld/suppressed.
3. I confirm that I am submitting this application form after having read and fully understood the Privacy Policy & Interest Rate Policy (as amedned from time to time) of the HCIN as well as the terms and
conditions of availing loan from HCIN, including those provided in the General Terms and Conditions for obtaining Personal Loan and POS loan from HCIN registered with the Sub-Registrar of Assurances at
Gurgaon (Haryana) under Deed of Declaration having Registration No. 23050 dated 18.12.2015 ("GTC"). I acknowledge that HCIN shall be entitled to reject my application without assigning any reason.
4. I have no insolvency proceedings against me nor have I ever been adjudicated insolvent. I confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been
initiated and/or pending against me. There is no restriction on me in respect of availing the loan from HCIN and no person's consent is required by me for availing the loan from HCIN. Further, I undertake and
confirm that loan amount shall not be used for purposes of gambling, lottery, races, for purchase of gold in any form, gold bullion, gold jewellery, gold coins, units of Exchange Traded Funds (ETF) and units of
gold mutual fund, or for any purpose prohibited by RBI/ other regulatory body from time to time or any other illegal purposes of similar nature. I confirm that I have been informed that the loan would be subject to
Pre-payment Penalties and other charges.
5. I understand that HCIN offers different interest rate to different borrowers based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies,
borrower's age, income, type of documents provided by the borrower and any other information as may be required for the purpose of credit evaluation and I agree to abide by such rationale. HCIN has
confirmed that any changes in the rate of interest and fee/ charges shall take effect only prospectively.

I further confirm that HCIN shall be entitled to categorise me under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance.

Date 26/10/2019 Place LUCKNOW Applicant's Signature

PROMISSORY NOTE
Contract No. 3909452669

Rs. 14,235.00

ON DEMAND I/we MOHAMMAD ANIS ANSARI promise to pay to Home Credit India Finance Private Limited
or order, the sum of Rs. 14,235.00 from this date onwards for value received payable at Uttar Pradesh

Presentment for payment and noting and protest of this are hereby unconditionally and irrevocably waived.

Name MOHAMMAD ANIS ANSARI

Signature

Revenue
Stamp
Date 26/10/2019
MOHAMMAD ANIS ANSARI,
3909452669

1,095.00 2nd
26th
MOHAMMAD ANIS ANSARI,
3909452669

1,095.00 2nd
26th