Date : 24-Jan-2022

Dear Sir/Madam,

At your request, we are pleased to advice in principle sanction of a loan on the below mentioned terms and conditions.

Ref ID : 27724005059
Applicant Name : SHANMUGASUNDARAM DHANDAPANI
Email ID :
Application Date : 24-Jan-2022
Product Name : PANEL - LED
Total Loan Amount : 19000
Net Loan Value : 18120
Total no of EMI : 12
Advance EMI Paid : 4
EMI Amount (Inclusive of add-on EMI) : 1864
Date of EMI : 2nd of every month
Mode of Repayment : ACH
Late Payment Charges : 3% per month on unpaid EMI
Prepayment Charges : Nil
Annualized ROI* : 19.53%
Loyalty Card : 899
Extended Warranty : 1335
Insurance : NA
Other Add-Ons : NA
Net Add on Loan Value : 2079.0
Cash Back : NA
* HDBFS will charge interest on No cost EMI plans as per existing rates,However interest charged by HDBFS will be passed as Upfront
discount.
Repayment of the Loan (incl. Principal, Interest, charges, etc.), Additional/ default interest payable on default , Late payment charges ,
Prepayment charges and Security PDC's will be applicable as per the Loan Agreement/ Schedule of Charges.

Your loan details will be sent to your registered mobile no along with the repayment schedule within 7 working days.

HDB Financial Services Limited reserves the right to withdraw and/or amend any of the terms and conditions hereof (including to reduce or
cancel the loan) at its sole discretion, in the event of any change in circumstances & subject to legal and title clearance of the collateral
offered.

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

Yours faithfully,

For HDB Financial Services Limited

HDBFS LOAN SANCTION LETTER 1