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Date: 20-04-2022 01:29:02 PM (Customer Copy)

Customer Name : Nayar Ayappan

Customer Current Address : Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750,
Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750, Fertilizer
Nagar, Vadodara, Gujarat, 391750
Customer Permanent Address : Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750,
Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750, Fertilizer
Nagar, Vadodara, Gujarat, 391750
Reference number : NA
KYC DateTime : 20-04-2022 01:29:02 PM
Lat/Lon : 22.3637663/73.1452374

Assayer Name : Sushant Jadhav

Employee ID : 183

Loan Amount : Rs. 7,09,251

Lender Name : Fincare Small Finance Bank Ltd
Branch Name : Fincare - Vadodara
Product Category : Gold Loan
Repayment Type : Interest
Interest Rate : 0.49% per month
Monthly Interest Amount : Rs. 3,475.33
Loan Tenure : 12 Months
Processing Fee :0
Delay Penalties : 3%

This is to certify that the Gold Ornaments pledged basis the mentioned details in this certificate have been verified
and found suitable as per the standard processing methods & with deviations within specified limits.

Sr. No Ornament Name Gross Wt Deduction Net Wt

1 Necklace 60.6 0 60.6
2 Chain 69.1 0 69.1
3 Ring 24.23 0.23 24
4 Bracelet 4.13 0 4.13
5 Matti 14.71 0 14.71
6 Studs Drops 24.61 0 24.61
7 Locket 9.55 0.15 9.4

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 Summary of Loans

Date: 20-04-2022 01:29:02 PM

Customer Name : Nayar Ayappan

Customer Current Address : Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750,
Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750, Fertilizer
Nagar, Vadodara, Gujarat, 391750
Customer Permanent Address : Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750,
Godama Petrol Pump Chhayapuri Chhani Vadodara Fartilizer Nagar Gujarat 391750, Fertilizer
Nagar, Vadodara, Gujarat, 391750
Reference number : NA
KYC DateTime : 20-04-2022 01:29:02 PM
Lat/Lon : 22.3637663/73.1452374

Loan Ac No : NA
Loan(s) from Fincare Small Finance Bank Ltd : Rs. 7,09,251
Loan(s) from Refresh Finserv Pvt Ltd : Rs. 21,936
Total : Rs. 7,31,187

GoldUno Rebate Scheme Effective ROI (Monthly)

If due interest is fully paid online within every 30 days 0.49%

If due interest is fully paid online within every 60 days 1.58%

Terms & Conditions

• The interest rate mentioned in the table above is the effective interest rate post Rebate given on the base
scheme as mentioned on the pledge card(s), loan agreement(s) & will be automatically compounded at the time of
payment. Subject to terms & conditions.
• Rebate will be paid directly to the loan account on regular interest payment as mentioned in the payment
intervals (only for Regular Rebate Solutions)
• Interest to be paid only via online modes (GoldUno App / Ruptok App or Website) to avail this rebate
• We do not accept cash payments in order to ensure a seamless & secure experience on our platform
• The Late payment fine will be charged if no payment is made during the tenure as mentioned on your pledge
card(s), loan agreement(s) & will be automatically compounded at the time of payment. Subject to terms &
conditions.
• Schemes are subject to change of the time of renewal/part release

I hereby acknowledge that I have read & fully understood the terms & conditions of the selected scheme(s).

Next Day Release Assurance* On a bank working day. Gold will not be delivered on 2nd Saturday, all Sundays & public
holidays.

**Terms & conditions - I have fully understood the terms & conditions of the loan as mentioned in the application form

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and I acknowledge the receipt of the loan amount and copy of terms & conditions. I understand that GoldUno (Vinrak
Technologies Pvt Ltd a subsidiary of Ruptok Fintech Pvt Ltd) is a technology service provider and is a facilitator in the
application / processing / disbursal and closure of loans.

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