CHDEHFISERVICES

NANCIAL HDB Financial Services Limited

3rd and 4th Floor, Hemalatha Mansion,
7-1-397/111&112,SRNagar,
Hyderabad-500 038, Telangana.
Web www.hdbfs.com
CIN-U65993GJ2007PLCOS1028

Email: customer.support@hdbfs.com

Sanction Letter
o Date: 29-Dec-2021

MR. GOVINDHAN R
MR. ANDIYHAPPAN RG
MR. NAGHARAAJ G
MS. RAJAMMAL G
M/S VINDHAA HITECH BUILDERS

(Address):
3/45 SRI SAKTHI VINAYAGAR NAGAR ANNEX
NARASOTHIPATTY
SALE
ALAGAPURAM
SALE
636004
Contact No 9442134509

Ref Number 20205241

Sanction Letter HDB/SL20205241/17281

Dear Sir/Madam

per this letter.

the agreed tems and conditions as
pleased to advice in principle sanction of a Secured Loan
on
AT your request, we are

Terms and Conditions of Loan

Facility Amount RS.10000000/

Purpose/End Use |WORKING CAPITAL
Method of Application of ROIType of Interest Floating- Rate of Interest linked to FRR
Floating Reference Rate [FRR |16.75% per annum as on date
FRR 16.75% -5.75% = 11.00% per annum
Applicable Annualized Rate of Interest
84 months
Tenor (Months) payment of principal and interest
Equated monthlyinstallments of Rs 171224/- towards
Repaymernt (EMI)
4th of every month
EMIPayment Date |Against the property
address situated at:

Security S FNO: 31/5A1ASHOK NAGAR 1ST CROSS OPPOSITE

TO
D NO: 19/3/5-1,COLONY NARASOTHIPATTY SALEM,, SALEM,636004
INDIAN,BANK
pertaining to the above
The borrower shall produce such papers, reports and evidence
securityfor scrutiny by HDB Financial
Services Ltd.
|mentioned
As applicable
Security PDC's taxes as applicable)
Refundable] Rs 100000- (plus
Processing Fee [ Non is payable by the borrower immediately
on receipt

Processing fee shall be recovered and

of the loan shall not affect
the rights of company to
this sanction letter. Non avaling
of
recover the processingfees.
Rs 6500/- (inclusive of taxes
Application Fee [Non Refundable] As per charges listed in Schedule lofthe Loan
agreement the
Additional Interest/ Fees / Charge and on registered mortgagefor shall be borne by
Rs.0- Stamp duty on loan agreement not be responsible or liable the same.
Stamp Charges if any
borrower HDB Financial Services shall
Rs 100 taxes as applicable per property
CERSAI Charges |Rs.93612/
Other Chargesif any
REF2ASS G1326lbnm

Ahmedabad 380 009.

Law Garden Road, Navrangpura,
Radhika, 2nd Floor,
Registèréd Office:
 HDB Financial Services Limited

EHDB
SERVICES 3rd and 4th Floor, Hemalatha Mansion,

7-1-397/111&112,S RNagar,
Hyderabad - 500 038, Telangana.

Web www.hdbfs.com
CIN-U65993GJ2007PLCO51028

Email customer.support@hdbfs.com

Prepayment charges Prepayment allowed only after 6 months.

As per RBI guidelines, no prepayment charges will be applicable for loans where the firs

applicant is an individual and loan is sanctioned underbefloating rate of interest.in caseYo

needs to submitted at our branch providing
|intend to prepay the loan, written request
a

|us a notice period of 30 days for your prepayment request

shall always keep the property insured agalnst fire, earth quake terrorism,
Insurance The borrower shall be submitted to HDB Financial Services
floodsetc. Acopy of policy
the insurance
from any insuranc
insurance cover, if required,
branch every year. Borrower can obtain
| Companyof its choice.

governed by the terms ano

This letter shall form an integral part of the loan agreement and other documents to be executed by you and shall be
in this leter
conditions as contained in the loan agreement. The offer is valid for 15 days from the date of the sanction. The terms specifically contained

shall have precedence over the loan agreement.

the Borrower only and HDB Financial Services
Stamp duty and other processing charges, if any on the loan documents shall be borne and paid by
shall not be responsible of liable for the same
to retain necessaiy
Depending on the valuation of security/ property from time to time, the company may ask for additional security as may be required

margin.
the rae
the basis of monthly rests at
Repayment is by EMI (Equated Monthly Installments) which comprises of principal and interest calculated
on

applicable. The EMI and the tenor might change subject to changes in interest rate, as per the terms and conditions mentioned in the loan agreement.

EM Will be applicable on disbursed amounts. All accounts are subject to a quarterly review. The company reserves the right to increase interest raiS

on the said tailty by the penal default interest rale menioned in Schedule lof the Ioan agrement, fthe conduct of the account is found to De

unsatisfactory with respect to repayment of the EMI

HDB Financial Services Ltd shall be informed in writing about any change/oss of job/business,profession, (as the case may be) immediately arter sucCn

change/loss. HDB Financial Services Ltd shall be allowed to inspect the collateral with prior notice and submit the financials on yeary basis on
request.HDB Financial Services Ltd shall have a general lien and right to set-off all your monies/securities standing to the credit in any loan accounts)

principal or interest or other dues

held with us. HDB Financial Services Lid shall debit/adjust/hold lien on any such account(s/securities, against any

payable by you to us.

(including to reduce cancel the
to withdraw and/or amend any of the terms and conditions hereof
or
HDB Financial Services Limited reserves the right
loan) at its sole discretion, in the event of any change in circumstances & subject to legal and title clearance of the collateral offered.
This letter of offer shall stand revoked and/or cancelled and shall be absolutely null and void if

a) There are any material changes in the proposal for which the Loan is sanctioned
b) Any statement made in the loan application or documents submitted by you are found to be incorrect or untrue.

The Terms & Conditions and other features of Loan shall be as per Loan Agreement. The approach for gradations of risk and rationale for charging

rate of interest to different categories of borrowers are as per interest rate policy of the Company hosted on Company's website on

https://www.hdbfs.com/policies
all pages of this sanction letter and returning a copy of the same to
acceptance of the aforesaid terms and conditions by signing
on
Kindly confim your

s.
We value your relationship with us and assure you of our best services always.

Yours faithfully.
For HDB Financial Services Limited

(Authorized Signatory)

(7
Registered Office: Radhika, 2nd Floor,
Law Garden Road, Navrangpura, Ahmedabad - 380 009.
 Limited
HDB Financial Services
FINANCIAL Hemalatha Mansion,

HDB SERVICES 3rd and 4th Floor,

7-1-397/111&112,SR Nagar,
Hyderabad- 500 038, Telangana.
Web www.hdbfs.com
CIN-U659936J2007PLc051028

Email:customer.support@hdbfs.com

SUDHARSAN J Branch Credit Manager HDB58687

Special Conditions if Any:

from Tenants
Rental Agreement NOC to be obtain

Receipt for proposed collateral to be collect

Latest House Tax

Regd MOE to be done on the property

ODV Portal validations to be positve for all applicants & Firm

Partnership Fim account has to be collect
Additional 3 SPDCs from to
all borrowers, Affidavit Buyover, Loan Buyout Authorization D
In case of Balance Transfer, BT Kit containing Letter of Authority duly signed by
current financier.
LOD & prepayment statement from the
submitted as per prescribed format along with
MOE/ MOTD/PTM to be done for the collateral

Protect Insurance (CP+) Premium amount

The above mentioned loan amount includes Credit

Property Insurance to be done for the collateral

Additional Documentation if Any:

Loan Agreement + Demand Promissory Note

ACH/ECS Mandate to be given for EMI payable.

1 Cheque towards entire loan amount

We Accept:
Signature and Date
Name

MR. GOVINDHAN R
REST29asgr
MR. ANDIYHAPPAN RRG

MR. NAGHARAAJ G

MS. RAJAMMAL G tneoaen

M/S VINDHAA HITECH BUILDERS

Registered Office: Radhika, 2nd Floor, Law Garden Road, Navrangpura, Ahmedabad-380 009.