To, Date- 2023-02-16

MR.KAUSTUBH RAVINDRA KULKARNI

MALEGAON KALYANI
NILANGA
LATUR 9822741271
LATUR-413521
MAHARASHTRA
9156092890

Subject: Welcome to Hero FinCorp Family

Reference Your Loyalty Personal Loan Account No. LATLPL00100011129758

Dear MR.KAUSTUBH RAVINDRA KULKARNI

We welcome you to Hero FinCorp Limited "HFCL" and wish to thank you for choosing us as your preferred Financial
Institution.

We are pleased to confirm that your loan amount mentioned in Schedule 1 has already been disbursed as per your request.
We are delighted to provide solutions to your financial needs and hope to make your experience a memorable one.

For your ready reference, we enclose the documents pertaining to your Loyalty Personal Loan in the following schedule;

Schedule1 - Your loan details for future reference

Schedule2 - The Repayment Schedule for your loan, which will assist you in tracking the EMI Due Dates and
Outstanding Loan Amount
Annexure - Charge Schedule
We look forward to an excellent relationship with you ahead.

For any queries related to your loan relationship, please contact us on the below mentioned channels:

Write to us:
Hero FinCorp Limited,
A-44, Mohan Co-Operative Industrial Estate,
Mathura Road,
New Delhi - 110044
India
1800-102-4145

customer.care@herofincorp.com

THIS IS A COMPUTER GENERATED LETTER, HENCE DOES NOT REQUIRE SIGNATURE

Hero FinCorp Ltd.

A-44 , Mohan Co-Operative Industrial Estate, Mathura Road ,New Delhi 110044 India
Phones: +91-11-49487150, Fax: +91-11-49487197,+91-11-49487198
CIN: U74899DL1991PLC046774
 Schedule 1

Please note that as per the terms of the loan agreement signed between you and Hero FinCorp Ltd, repayment shall be
made through EMIs

The disbursement details are as follows:

1 Application ID 36977050
2 Loan Account Number LATLPL00100011129758
3 Loan Amount (Rs.) 1,26,540.00
4 Disbursal Date 2022-11-28
5 EMI Amount (Rs.) 4414
6 EMI Start Date 2023-01-08
7 EMI End Date 2026-12-08
8 Gross Tenure (months) 48
9 Net Tenure (months) 48
10 Advance EMI Count 0
11 Advance EMI Amount 0.00
12 Rate of Interest (%) 16.85
13 First EMI Due On 2023-01-08
14 Maturity Date 2026-12-08
15 Processing Fee (Rs.) 4429.00

Please ensure your bank account has sufficient balance till your EMI is cleared for the month
As mentioned in the loan agreement, all the repayment of dues will need to be paid by the due date to avoid bouncing and
penal charges
Incase your EMI is unfortunately returned unpaid from your banker then the same should be paid through the below
mentioned channels
Visit our website www.herofincorp.com or Click Here

Collection representatives duly authorized by Hero FinCorp Ltd. Please insist for the cash payment receipt with Hero Fincorp
Hologram on it from the representative against cash payment made.

Hero FinCorp Ltd.

A-44 , Mohan Co-Operative Industrial Estate, Mathura Road ,New Delhi 110044 India
Phones: +91-11-49487150, Fax: +91-11-49487197,+91-11-49487198
CIN: U74899DL1991PLC046774
 Schedule 2
Repayment Schedule Loyalty Personal Loan Account No. LATLPL00100011129758

Opening Principal Interest Outstanding

EMI No Due Date Principal EMI Amount Portion Portion Principal
1 2023-01-08 126,540.00 4,414.00 1,457.00 2,957.00 125,083.00
2 2023-02-08 125,083.00 4,414.00 1,491.00 2,923.00 123,592.00
3 2023-03-08 123,592.00 4,414.00 1,526.00 2,888.00 122,066.00
4 2023-04-08 122,066.00 4,414.00 1,561.00 2,853.00 120,505.00
5 2023-05-08 120,505.00 4,414.00 1,598.00 2,816.00 118,907.00
6 2023-06-08 118,907.00 4,414.00 1,635.00 2,779.00 117,272.00
7 2023-07-08 117,272.00 4,414.00 1,673.00 2,741.00 115,599.00
8 2023-08-08 115,599.00 4,414.00 1,713.00 2,701.00 113,886.00
9 2023-09-08 113,886.00 4,414.00 1,753.00 2,661.00 112,133.00
10 2023-10-08 112,133.00 4,414.00 1,793.00 2,621.00 110,340.00
11 2023-11-08 110,340.00 4,414.00 1,835.00 2,579.00 108,505.00
12 2023-12-08 108,505.00 4,414.00 1,878.00 2,536.00 106,627.00
13 2024-01-08 106,627.00 4,414.00 1,922.00 2,492.00 104,705.00
14 2024-02-08 104,705.00 4,414.00 1,967.00 2,447.00 102,738.00
15 2024-03-08 102,738.00 4,414.00 2,013.00 2,401.00 100,725.00
16 2024-04-08 100,725.00 4,414.00 2,060.00 2,354.00 98,665.00
17 2024-05-08 98,665.00 4,414.00 2,108.00 2,306.00 96,557.00
18 2024-06-08 96,557.00 4,414.00 2,157.00 2,257.00 94,400.00
19 2024-07-08 94,400.00 4,414.00 2,208.00 2,206.00 92,192.00
20 2024-08-08 92,192.00 4,414.00 2,259.00 2,155.00 89,933.00
21 2024-09-08 89,933.00 4,414.00 2,312.00 2,102.00 87,621.00
22 2024-10-08 87,621.00 4,414.00 2,366.00 2,048.00 85,255.00
23 2024-11-08 85,255.00 4,414.00 2,422.00 1,992.00 82,833.00
24 2024-12-08 82,833.00 4,414.00 2,478.00 1,936.00 80,355.00
25 2025-01-08 80,355.00 4,414.00 2,536.00 1,878.00 77,819.00
26 2025-02-08 77,819.00 4,414.00 2,595.00 1,819.00 75,224.00
27 2025-03-08 75,224.00 4,414.00 2,656.00 1,758.00 72,568.00
28 2025-04-08 72,568.00 4,414.00 2,718.00 1,696.00 69,850.00
29 2025-05-08 69,850.00 4,414.00 2,781.00 1,633.00 67,069.00
30 2025-06-08 67,069.00 4,414.00 2,846.00 1,568.00 64,223.00
31 2025-07-08 64,223.00 4,414.00 2,913.00 1,501.00 61,310.00
32 2025-08-08 61,310.00 4,414.00 2,981.00 1,433.00 58,329.00
33 2025-09-08 58,329.00 4,414.00 3,051.00 1,363.00 55,278.00
34 2025-10-08 55,278.00 4,414.00 3,122.00 1,292.00 52,156.00
35 2025-11-08 52,156.00 4,414.00 3,195.00 1,219.00 48,961.00
36 2025-12-08 48,961.00 4,414.00 3,270.00 1,144.00 45,691.00
37 2026-01-08 45,691.00 4,414.00 3,346.00 1,068.00 42,345.00
38 2026-02-08 42,345.00 4,414.00 3,424.00 990.00 38,921.00
39 2026-03-08 38,921.00 4,414.00 3,504.00 910.00 35,417.00
40 2026-04-08 35,417.00 4,414.00 3,586.00 828.00 31,831.00
41 2026-05-08 31,831.00 4,414.00 3,670.00 744.00 28,161.00
42 2026-06-08 28,161.00 4,414.00 3,756.00 658.00 24,405.00
43 2026-07-08 24,405.00 4,414.00 3,843.00 571.00 20,562.00
44 2026-08-08 20,562.00 4,414.00 3,933.00 481.00 16,629.00
45 2026-09-08 16,629.00 4,414.00 4,025.00 389.00 12,604.00
46 2026-10-08 12,604.00 4,414.00 4,119.00 295.00 8,485.00
47 2026-11-08 8,485.00 4,414.00 4,215.00 199.00 4,270.00
48 2026-12-08 4,270.00 4,414.00 4,270.00 144.00 0.00
Total 211,872.00 126,540.00 85,332.00

Hero FinCorp Ltd.

A-44 , Mohan Co-Operative Industrial Estate, Mathura Road ,New Delhi 110044 India
Phones: +91-11-49487150, Fax: +91-11-49487197,+91-11-49487198
CIN: U74899DL1991PLC046774
 ANNEXURE - CHARGE SCHEDULE

Transaction Charges in (Rs)

Pre-payment 5% of Principal Outstanding

Pre-payment (before 6 months) Within 6 (six) months from date of disbursement, interest on
loan amount for 6 (six) months plus prepayment charges

*Cheque / ECS Dishonor Charges (per instrument) Rs. 350/- (Rupees Three Hundred and Fifty Only)

*Swap Charges (Payment Mode/Bank) per request Rs. 500/- (Rupees Five Hundred Only)

Delayed Payment Charges 3% per month of Overdue Amount

*Duplicate NOC Rs. 200/- (Rupees Two Hundred Only)

Legal, Repossession & Incidental Charges At actual

*NOTE: Charges which are in nature of fees are inclusive of GST

Used Car Loans

Hero FinCorp is a best-in-class provider of
financial solutions for both certified & non-
certified used cars

Click here to know more

Hero FinCorp Ltd.

A-44 , Mohan Co-Operative Industrial Estate, Mathura Road ,New Delhi 110044 India
Phones: +91-11-49487150, Fax: +91-11-49487197,+91-11-49487198
CIN: U74899DL1991PLC046774