Demand Notice 5

By Email
Dated: 30-MAY-23

To

( i ) FAIZA HAMID
madhubani bazar police station madhubani bazar Purnia East 854301 PURNIA Bihar
INDIA

( ii ) rabia hamid
madhubani bazar police station madhubani bazar Purnia East 854301 PURNIA Bihar
INDIA
WITH REG. ID : 3263626

Sub : Demand notice for repayment of Education Loan-- instalment schedule as per the agreement/
document (s) executed and exchanged between the parties under the Bihar Student Credit Card
Scheme.

Dear Student/Sir/Madam,

Whereas, we, the Bihar State Education Finance Corporation (hereinafter referred to as ‘the
Corporation’ in short) while implementing the significant scheme of the State Government,
namely, Bihar Student Credit Card Scheme extended the facility of education loan to you under a
written agreement as well as other correspondences executed/exchanged between the parties at
your instance and upon your application seeking education loan in which you have acknowledged
the loan and agreed to refund the same as per the terms and conditions stipulated therein.

The details of the facilities availed by you are incorporated in this notice also for immediate
reference.

(i) Loan Account Number : 10032636262

(ii) Loan Registration Number : 3263626
(iii) Loan Amount (total) : 88560
(iv) Loan outstanding (inclusive of interest) : 7635
(v) Name of Institution : PURNEA UNIVERSITY
(vi) Course : M.Sc.
(vii) Repayment Due Date : 31/12/2022
(viii) Payment Tenure/Schedule : 60

Whereas as per the agreement, money was disbursed as and by way of education loan (tuition
fees, books & stationary, living expenses and laptop) for your higher education to your college/
university as per the details furnished in this notice.

Whereas as per our records, the moratorium period of one year is got over on 30/12/2022 and,
thus, the loan amount with interest is to be repaid/refunded to the Corporation in installments.
Whereas as per the written agreement, you have to repay the entire loan amount with interest
within a period of 60 months from the date on which the first EMI falls due, and thus, a schedule
thereof has been plotted in the appended document as Annexure 1 (details of payment schedule)
for your assistance in paying installment.

Whereas in order to streamline the recovery of loan amount in instalment (s) with interest, a
Virtual Bank Account Number has been opened in your name and details thereof are being
provided in Annexure 2 (details of virtual bank account number etc.) which may be utilized for
refunding the loan amount. The same was also apprised to you when we issued intimation letters to
you before the due date.

You may opt to pay by online transfer (select ‘Transfer to eCMS account’) or through any other
suitable mode viz. NEFT/RTGS/IMPS (excluding cash or cheque or demand draft) in the virtual
account created in your exclusive name (as per details given in Annexure 2). The same was also
apprised to you when we issued intimation letters before the due date.

In case you find any clerical error/discrepancy in any of the document including the present letter,
you may write to the undersigned and get the same rectified by giving proper clarification on e-
mail : loancollections.bsefcl@gmail.com by giving your credentials.

You are also informed that in case the instalment is not paid timely legal action shall be initiated
against the borrower/co borrower [Both of you] in accordance with law particularly under the
agreement by filing a Certificate Case before the Certificate Officer concerned under the
provisions of Bihar and Orissa Public Demand Recovery Act, 1914 besides taking other suitable
legal action.

We have earlier issued numerous intimation letters apprising you about the due date and liability,
yet there is default on your part in payment of the instalment, and hence, this demand notice is
being issued.

We also point out that in case you want the loan recovery procedure to be kept under suspension/
abeyance after it became due, you may look to the web site of the Corporation i.e. https://www.
7nishchay-yuvaupmission.bihar.gov.in/ for the format of affidavit of non-employment etc. and
take appropriate remedy accordingly.

We, thus, demand you the instalment which must be paid within a fortnight failing which legal
action shall be initiated against you as per the agreement.

Please acknowledge.

Sincerely yours.
(Authorized Signatory)
DISCLAIMER :This document is computer generated and does not require a signature in order to
be considered valid.
Annexure:
(a) Annexure 1 (details of payment schedule)
(b) Annexure 2 (details of virtual bank account number etc.)
 Annexure 1 (Details of Payment Schedule)
Instalment Due Date Instalment Principal Amount Interest Amount Principal
No. Amount Outstanding
1 Dec 31, 2022 1,527.00 1,527.00 0.00 87,033.00
2 Jan 31, 2023 1,527.00 1,527.00 0.00 85,506.00
3 Feb 28, 2023 1,527.00 1,527.00 0.00 83,979.00
4 Mar 31, 2023 1,527.00 1,527.00 0.00 82,452.00
5 Apr 30, 2023 1,527.00 1,527.00 0.00 80,925.00
6 May 31, 2023 1,527.00 1,527.00 0.00 79,398.00
7 Jun 30, 2023 1,527.00 1,527.00 0.00 77,871.00
8 Jul 31, 2023 1,527.00 1,527.00 0.00 76,344.00
9 Aug 31, 2023 1,527.00 1,527.00 0.00 74,817.00
10 Sep 30, 2023 1,527.00 1,527.00 0.00 73,290.00
11 Oct 31, 2023 1,527.00 1,527.00 0.00 71,763.00
12 Nov 30, 2023 1,527.00 1,527.00 0.00 70,236.00
13 Dec 31, 2023 1,527.00 1,527.00 0.00 68,709.00
14 Jan 31, 2024 1,527.00 1,527.00 0.00 67,182.00
15 Feb 29, 2024 1,527.00 1,527.00 0.00 65,655.00
16 Mar 31, 2024 1,527.00 1,527.00 0.00 64,128.00
17 Apr 30, 2024 1,527.00 1,527.00 0.00 62,601.00
18 May 31, 2024 1,527.00 1,527.00 0.00 61,074.00
19 Jun 30, 2024 1,527.00 1,527.00 0.00 59,547.00
20 Jul 31, 2024 1,527.00 1,527.00 0.00 58,020.00
21 Aug 31, 2024 1,527.00 1,527.00 0.00 56,493.00
22 Sep 30, 2024 1,527.00 1,527.00 0.00 54,966.00
23 Oct 31, 2024 1,527.00 1,527.00 0.00 53,439.00
24 Nov 30, 2024 1,527.00 1,527.00 0.00 51,912.00
25 Dec 31, 2024 1,527.00 1,527.00 0.00 50,385.00
26 Jan 31, 2025 1,527.00 1,527.00 0.00 48,858.00
27 Feb 28, 2025 1,527.00 1,527.00 0.00 47,331.00
28 Mar 31, 2025 1,527.00 1,527.00 0.00 45,804.00
29 Apr 30, 2025 1,527.00 1,527.00 0.00 44,277.00
30 May 31, 2025 1,527.00 1,527.00 0.00 42,750.00
31 Jun 30, 2025 1,527.00 1,527.00 0.00 41,223.00
32 Jul 31, 2025 1,527.00 1,527.00 0.00 39,696.00
33 Aug 31, 2025 1,527.00 1,527.00 0.00 38,169.00
34 Sep 30, 2025 1,527.00 1,527.00 0.00 36,642.00
35 Oct 31, 2025 1,527.00 1,527.00 0.00 35,115.00
 Annexure 1 (Details of Payment Schedule)
Instalment Due Date Instalment Principal Amount Interest Amount Principal
No. Amount Outstanding
36 Nov 30, 2025 1,527.00 1,527.00 0.00 33,588.00
37 Dec 31, 2025 1,527.00 1,527.00 0.00 32,061.00
38 Jan 31, 2026 1,527.00 1,527.00 0.00 30,534.00
39 Feb 28, 2026 1,527.00 1,527.00 0.00 29,007.00
40 Mar 31, 2026 1,527.00 1,527.00 0.00 27,480.00
41 Apr 30, 2026 1,527.00 1,527.00 0.00 25,953.00
42 May 31, 2026 1,527.00 1,527.00 0.00 24,426.00
43 Jun 30, 2026 1,527.00 1,527.00 0.00 22,899.00
44 Jul 31, 2026 1,527.00 1,527.00 0.00 21,372.00
45 Aug 31, 2026 1,527.00 1,527.00 0.00 19,845.00
46 Sep 30, 2026 1,527.00 1,527.00 0.00 18,318.00
47 Oct 31, 2026 1,527.00 1,527.00 0.00 16,791.00
48 Nov 30, 2026 1,527.00 1,527.00 0.00 15,264.00
49 Dec 31, 2026 1,527.00 1,527.00 0.00 13,737.00
50 Jan 31, 2027 1,527.00 1,527.00 0.00 12,210.00
51 Feb 28, 2027 1,527.00 1,527.00 0.00 10,683.00
52 Mar 31, 2027 1,527.00 1,527.00 0.00 9,156.00
53 Apr 30, 2027 1,527.00 1,527.00 0.00 7,629.00
54 May 31, 2027 1,527.00 1,527.00 0.00 6,102.00
55 Jun 30, 2027 1,527.00 1,527.00 0.00 4,575.00
56 Jul 31, 2027 1,527.00 1,527.00 0.00 3,048.00
57 Aug 31, 2027 1,527.00 1,527.00 0.00 1,521.00
58 Sep 30, 2027 1,521.00 1,521.00 0.00 0.00
59 Oct 31, 2027 1,527.00 0.00 1,527.00 0.00
60 Nov 30, 2027 590.00 0.00 590.00 0.00
 Annexure 2 (Details of Virtual Bank Account Number etc.)
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