LOAN APPLICATION FORM

Borrower’s Name Shalini Pandey

Applied credit limit 0.00

Max Tenure for the limit 36 months

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
 Application Form

Date of Application 05-09-2022

Lead ID lead1gc6v3t699687
Loan Amount 0.00
Sanction Amount 0.00
Tenure (Days) As decided at time of Disbursement
Purpose of Loan Personal Loan
Epaylater ID 1946422

Borrower Details

Name of the Borrower Shalini Pandey

Nationality Indian
Date of Birth 31-08-1992
Gender female
Mobile Number 8948316191
Email Address 8948316191@example.com
PAN BTMPP9329P
house no 19 / 3 / 142 meerapur derabibi
Residential Address
nayaghat Ranopali z
City FAIZABAD Pincode 224123

State Uttar Pradesh Country India

Permanent Address

City Pincode

State Country India

Occupation Type Retailer

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
 Proof of Identity Aadhaar Card

Proof of Address Aadhaar Card

Name of Business Pandey Beauty Parlour
Industry Subcategory Personal Loan

Customer's Undertaking
1. I/We hereby apply for a finance facility for the short-term Personal loan ("Loan/Credit
Facility") mentioned in this application. I/We declare that all the particulars and information
and details given/filled in this Application Form are true, correct, complete and up to date in
all respects and no information has been withheld and I/we understand that the information
given in this application shall form the basis of any loan that AEFPL may decide to grant to
me/us and if at any stage of processing this application, it comes to the knowledge that, I/we
have provided any incorrect or incomplete information, fabricated documents, or fake
documents, they will be treated by AEFPL as having been manipulated by me/us and
AEFPL shall have the right to forthwith reject this loan application, cancel / revoke any
sanction or further drawdowns or recall any loan granted at any stage of processing the
application, without assigning any reason whatsoever and AEFPL and its employees/
representatives/ agents / service providers shall not be responsible/liable in any manner
whatsoever to me/us for such rejection or any delay in notifying me/us of such rejection
(including for any payments which may have been made by me to any vendor/ service
provider prior to cancellation). I/We understand that AEFPL will also be procuring personal
information from other sources/agents and I/ We have no objection for the same. I/We
further confirm that I/we am/are aware of all terms and conditions of availing finance from
AEFPL. I/We authorize AEFPL to make reference and inquire relating to information in this
application which AEFPL considers necessary, including from the banks where I hold bank
accounts. I/We authorize AEFPL to procure my /our PAN No/copy of my/our PAN Card,
other identity proof and Bank Account details from time to time, exchange, part with/share all
information relating to my/our loan details and repayment history with other banks/financial
institutions /CIBIL/CRIF etc. and periodically obtain / generate CIBIL, CRIF, Experian,
Hunter and such other reports as may be required and shall not hold AEFPL liable for use of
this information. I/We confirm that there are no criminal or insolvency proceedings against
me/us.
2. I/ We declare that I/ We have not made any payment in cash, bearer cheques or by any
other mode along with or in connection with this Application Form to the person collecting
my/our Application Form. I/We shall not hold AEFPL or its
employees/representatives/agents/service providers liable for any such payment made by us
to the person collecting this Application Form.
I/We, would like to know through telephonic calls, or SMS on my mobile number mentioned
in the Application Form as well as in this undertaking, or through any other communication
mode, transactional information, various loan offer schemes or loan promotional schemes or
any other promotional schemes which may be provided by AEFPL and hereby authorize
AEFPL and their employees, agents, or associates to do so.
3. I/we understand that we have the I/we have an option of not providing the information as
required in this application form or as may be required by AEFPL from time to time,
however, I/We do hereby expressly and irrevocably authorize AEFPL to collect, store, share,
obtain and authenticate any aspect of my personal information / KYC either directly or
through any of the authorized agencies and disclose such information to its
agents/contractors/service providers and to also use such information in the manner that
may be required by AEFPL including for the purposes of this loan and for purposes of its
business and for such time period as they may deem fit. In this regard, I/we expressly and
irrevocably authorize AEFPL to collect, use, verify and authenticate my / our personal
identity information / KYC in any manner without any notice to me / us.
4. I/We confirm that we know English, we have read and understood and accepted the general
NAME: Shalini Pandey
IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
 terms and conditions for the grant of Loan Facility. I/we also understand that the General
Terms and Conditions shall be deemed to be applicable to any Drawdown granted by
AEFPL pursuant to this application form.
5. I / WE are not taxable as a US person / persons under the laws of the United States of
America (US) or any state or political subdivision thereof or therein, including the
District of Columbia or any other states of the US. Further, I / we are not taxable as a
tax resident / residents under the laws of the country outside India. I/We agree to
submit a new form within 30 days if any information or certification on this form
becomes incorrect.

Credit Facility Agreement

AEFPL shall be entitled to take such legal action as it may deem fit, upon occurrence of any
of the Events of Default as set out and agreed by me/us in the above-mentioned General
Terms and Conditions of loan.

This CREDIT FACILITY AGREEMENT ("Agreement") is made at the place and the day
mentioned in Most Important Terms and Conditions ("MITC”) specified below

By and Between
The Borrower(s), details whereof is/are more particularly described in the MITC specified
below and, wherever the context so requires, includes a Co-Borrower(s) named therein and
hereinafter collectively (if there is more than one Borrower(s) referred to as the "
Borrower(s)) of the ONE PART,
AND
Arthashastra EpayLater Financial Private Limited, a company registered under the
Companies Act, 2013 having its registered office at Unit No. 510, Fifth Floor, Vipul
Business Park, Sohna Road Gurgaon Haryana 122001, and inter alia a Branch Office at
the address stated in the MITC appended hereto (and hereinafter referred to as " AEFPL"
which expression, unless repugnant to the context, shall be deemed to include its
successors and assigns) of the OTHER PART.

WHEREAS the Borrower(s) has requested to AEFPL for a loan for profession/personal
/business requirements and upon the request of the Borrower(s) AEFPL has agreed to grant
the Loan (as defined hereinafter) upon the mutually agreed terms and conditions herein
appearing.

NOW IT IS HEREBY AGREED BETWEEN THE PARTIES HERETO AS UNDER: -

All capitalized terms mentioned in this Agreement shall have the meaning as
specified in the GTC mentioned below
1. Subject to the terms and condition contained in the General Terms and Conditions
applicable to the borrower(s) for availing credit facility ("Hereinafter referred to as "GTC"
which term shall include amendments to the same and any additional terms mentioned by
AEFPL from time to time ), the Borrower(s) herein agrees to borrow from AEFPL and AEFPL
agrees to lend to the Borrower(s) the sum specified in the MITC (which sum is hereinafter

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
 referred to as the "Loan") hereto. The most important terms applicable for the Loan are
mentioned in the MITC. All other term of the Loan sanctioned will subject to the terms
mentioned in the GTC. The specific and most important terms applicable to the Loan is
mentioned in the MITC.
2. The Borrower(s) certify that the information and documents provided to AEFPL for availing
the Loan are true & accurate and no material information has been withheld /suppressed.
The Borrower(s) hereby authorize & give consent to AEFPL to disclose without notice to
them, information furnished by them or related documents executed or to be executed in
relation to the facilities availed from AEFPL, to AEFPL's other branches, subsidiaries,
affiliates, Credit Bureaus, Rating agencies, Service Providers, Banks/Financial Institutions,
Government/Regulatory authorities or third parties for KYC information verification, credit
risk analysis, or for other related purposes that AEFPL may deem fit.
3. Borrower(s) further agree that this Loan transaction shall be governed by the GTC as
specified above. The Borrower(s) confirm having received a copy of the GTC. The
Borrower(s) further confirm that he/she/they have read and understood the terms and
conditions mentioned in the GTC applicable to this loan and accept the terms and conditions
unconditionally and agree that these terms and conditions may be changed by AEFPL at
any time and accordingly he/she/they will be bound by the amended terms and conditions.
4. The Borrower(s) confirm that:
Taxes may be applicable will be charged in connection with the loan AEFPL will not be liable
for loss or delay in receipt of documents /photographs and such aforesaid documents will
not be returned, under any circumstances, once submitted to AEFPL. Bullet repayment will
be due on at the end of the Tenor.
The borrower shall be liable to pay a penal interest as per the rates mentioned in MITC; the
event of delay in repaying the loan amount/tranche of a loan amount within the tenure.

* Other charges or fees applicable of the Loan mentioned in the MITC are acceptable to
the Borrower(s). Borrower(s) confirm that GST registration information and registration
number provided is true and correct. Borrower(s) further understands that if his/her/their
GST registration number is not provided or is incorrect, then GST Authority may not grant
him/her/them GST Input Credit for GST on charges.
IN WITNESS WHEREOF, THE PARTIES HERETO HAVE SIGNED THIS AGREEMENT
IN ACCEPTANCE OF ALL TERMS AND CONDITIONS STATED ABOVE AND THE
SCHEDULE HERETO ON THE DAY, MONTH AND YEAR MENTIONED IN THE
SCHEDULE.

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
Classification of loan account as Special Mention Account (SMA) and Non-Performing Asset
(NPA)
Upon the occurrence of any payment default under this Loan, the Lender shall
classify Borrower’s loan account held with the Lender (Loan Account) in
accordance with the prevailing RBI norms and guidelines.
a) As per the current prevailing guidelines of RBI, Loan Account shall be
classified as Special Mention Account (SMA) on the following basis:

SMA Sub- Basis for classification – Principal or

interest payment or any other
categories amount wholly or partly overdue
SMA-0 Upto 30 days
SMA-1 More than 30 days and upto 60
days
SMA-2 More than 60 days and upto 90
days

b) Further, the Loan Account shall be classified as Non-Performing Asset

(NPA) where interest and/ or instalment of principal remains overdue for a
period of more than 90 days in respect of a term loan;
c) Loan account classified as NPAs may be upgraded as ‘standard’ asset
only if entire arrears of interest and principal Loan are paid by the
Borrower.
Examples of SMA/NPA classification dates:
If due date of a loan account is March 31, 2021, and full dues are not received
before the Lender runs the day-end process for this date, the date of overdue shall
be March 31, 2021. If it continues to remain overdue, then this account shall get
tagged as SMA-1 upon running day-end process on April 30, 2021 i.e. upon
completion of 30 days of being continuously overdue. Accordingly, the date of
SMA-1 classification for that account shall be April 30, 2021.
Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2
upon running day-end process on May 30, 2021 and if continues to remain
overdue further, it shall get classified as NPA upon running day-end process on
June 29, 2021.

MOST IMPORTANT TERMS & CONDITIONS (MITC)

Please read carefully before confirming

ACKNOWLEDGEMENT FORM
Date: September 5, 2022

I/We refer to Application Reference No. 1946422 and the Loan Agreement executed by me /
us in favor of Arthashastra EpayLater Financial Private Limited ("AEFPL"). I/We have been
provided the following information and agree with the same and have accordingly filled up
the aforesaid Agreement:

Date September 5, 2022

NAME: Shalini Pandey
IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
 Name of the Borrower
Loan/Facility Amount
Validity period for facility
Rate of Interest (per annum)
Penal Interest
Processing Fees
Additional Interest / Fees
Term/Tenor of the Loan or a
tranche of Loan
Repayment
Taxes & Levies
Shalini Pandey
Rs. 0.00/- (Rupees Zero Only)
36 months
0% p.a. Interest amount 0% if repayment is done before
due date else Late Fee + Penal Interest & charges will
apply.
In the event there is default in Repayment at the end of
the Tenor, Interest at the rate 36% p.a. to be paid by the
Customer/ Borrower under the Loan/Credit Facility from
the date of disbursement till repayment of all the
outstanding amounts by the Customer/ Borrower
(“Additional Interest”)
NIL
As specified for respective tranches.
Loan can be availed for each tenor, subject to full
repayment of all the outstanding amounts under the
Loan/Credit Facility (including tranches thereunder),
within the due date specified for respective tranches
(“Tenor”)
Repayment shall mean repayment of all the outstanding
amounts including costs, charges, duties, taxes, etc.
(“Bullet repayment”) on or before the end of the Tenor
specified herein above, for Loan/ Credit Facility availed
by the Customer/ Borrower from AEFPL from time to
time
For the Bullet Repayment by the Customers/
Borrowers within Tenor, the interest would be paid by
the Supplier, on behalf of the Borrower/Customer. In
case the repayment is done after the end of the Tenor,
the customer would be liable to pay such Additional
Interest incurred after the tenor till the date of
repayment of all outstanding amounts. “Supplier” shall
mean the entity from whom the Borrower/Customer is
purchasing the goods and for which loan/credit facility
is being availed by the Borrower/Customer from
AEFPL
All the charges indicated above or elsewhere in the Loan
Agreement shall be inclusive of all taxes and statutory
levies as may be applicable on same including without
limitation tax on goods and services with cess.
NAME: Shalini Pandey
IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27

Additional Terms and
conditions
Place of Arbitration and
Jurisdiction
Disbursement Consent
Following terms and conditions shall be applicable in
addition to the terms mentioned in the General Terms
and Conditions applicable to the borrower(s) for availing
Credit Limit Facility The same is available at
https://epaylater.in/term.html Additional Terms shall
prevail in case of inconsistency with the terms
mentioned in the GTC
Mumbai
The Borrower undertakes and consents to directly remit
the sanctioned Loan Amount after deduction of pre-
EMI/documentation/processing charges and credit such
amount directly to the merchant’s account.

APPLICATION FORM FOR LOAN DISBURSEMENT BY IMMEDIATE PAYMENT

SERVICE (IMPS)

Date: September 5, 2022

To
Arthashastra EpayLater Financial Private Limited
________________________________
________________________________
________________________________

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
Sub: Loan disbursement by Electronic Fund Transfer through IMMEDIATE PAYMENT
SERVICE (IMPS)
Ref: Loan Application ref No. : 1946422
Loan Account Number : 1616391

Dear Sir,

With reference to my / our loan application, I / We hereby unconditionally instruct

Arthashastra EpayLater Financial Private Limited (“AEFPL”) to directly remit the sanctioned
loan amount of Rs. 0.00 /- ( Rupees Zero only) ( after deduction of pre EMI interest,
documentation charges & processing charges) as per following details:-

Details of the Beneficiary

Beneficiary's Bank name ICICI Bank

Beneficiary’s Bank a/c name Arthashastra Fintech Pvt. Ltd.

Beneficiary’s Bank a/c # 120405000433

Beneficiary's Bank Account Type Current

Beneficiary's Bank payable Mumbai

Location
Beneficiary’s Bank Branch IFSC ICIC0001204
code
MICR Code 400229141

Amount to be remitted 0.00

I / We hereby declare that:

- The particulars given above are true, correct and complete to the best of my/our
knowledge. I / we shall be responsible for the accuracy of the particulars given in the
payment instruction.
- I / We shall be bound by any payment instruction executed by AEFPL, if AEFPL had
executed the payment instruction in good faith and in compliance of instructions for
electronic fund transfer.
NAME: Shalini Pandey
IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
- The disbursement of the Loan in favour of the above said Beneficiary shall be deemed to
be the Loan granted to and availed by me/us. The disbursement of the Loan amount in
favour of the above Beneficiary payee shall not affect my/ our obligation in relation to the
Loan facility.
- AEFPL shall not be liable for any loss or damage arising out of or resulting from
incomplete information, delay in transmission, delivery or non delivery of electronic
message or any mistake, omission or error in transmission or delivery thereof or any act or
event beyond its control. Notwithstanding above, in the event of any delay in the
completion of the funds transfer or any loss on account of error in the execution of the
funds transfer pursuant to a payment instruction due to any negligence on the part of
AEFPL, 's liability shall be limited to the extent of payment of interest at the bank rate for
the period of delay in the case of delayed payment.
- AEFPLshall not be liable for non credit or crediting remittance amount to wrong
beneficiary on account of incorrect information furnished by me/ us in this application form.
- Beneficiary bank may levy charges on inward remittance and deduct the same from the
remitted amount.

I understand that all IMMEDIATE PAYMENT SERVICE (IMPS) instructions are irrevocable
and there is no facility for giving stop payment instruction in respect of remittances through
IMMEDIATE PAYMENT SERVICE (IMPS).

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
Charge Sheet

Processing Fee Not Applicable

Foreclosure/Prepayment Charges Not Applicable

Bounce/Late Payment Charges INR 500 (plus applicable Tax and Cess )

Additional Interest Charges Not exceeding 3% per month accrued on daily

basis from the date of disbursement

* PLEASE DO NOT SIGN THE ABOVE DOCUMENT, IF BLANK.

* PLEASE DO NOT PAY CASH TO ANYONE FOR THE PROCESSING OF YOUR
LOAN. IN CASE YOU ARE ASKED, PLEASE REFUSE AND CONTACT YOUR
NEAREST AEFPL BRANCH.
* FOR ALL PAYMENTS MADE TO ANY REPRESENTATIVE OF ARTHASHASTRA
EPAYLATER FINANCIAL PRIVATE LIMITED TOWARDS ANY FEE / CHARGES,
PLEASE ASK FOR VALID RECEIPT.
* IF ANY VERBAL COMMUNICATION MADE TO YOU IS IN CONTRADICTION TO THE
ABOVE TERMS & CONDITIONS, PLEASE CONTACT US AT 8100 05 05 05 (MON-SAT
9:00 A.M. TO 8:00 P.M.) OR WRITE TO US AT support@aefpl.in

Terms & Conditions:

I/We acknowledge that:

* The above are the most important terms of the aforesaid Loan, and all other terms and
conditions of the Loan shall be as specified acknowledgement form, Loan Agreement and
the GTC
* AEFPL is entitled to add, to delete, recall the facility in event of default without any
notice or modify any of the aforesaid terms and conditions and the same shall be
binding on me/ us.
* In the event of any change of address for communication, any change in my/our
job, profession, the same shall be intimated by me/us to AEFPL, one month in

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27
 advance.
* I/We are aware that the Loan agreements, GTC and other incidental documents
executed by me/us integrate all the conditions mentioned herein or incidental thereto,
and supersede all negotiations or prior writings, except for those provisions specified
herein. In the event of any conflict between the terms, conditions and provisions of
the Loan agreement/GTC/documents executed incidental thereto with the terms
mentioned herein, then in such an event the terms, conditions and provisions
mentioned herein shall prevail

NAME: Shalini Pandey

IMEI : 4cb4f7f8b8dd2e60
Timestamp : 2022-09-05
19:28:27