Date: 21-Jul-2023

SANCTION LETTER

Piramal Capital &Housing Finance Limited (Formerly Known as Dewan Housing Finance Corporation Limited) (the “Lender”) is pleased to
inform that the Borrower (hereinafter defined below) is eligible for a personal loan (“Loan”) on the below terms and conditions. The sanctioned
details mentioned below shall be read with the Loan Agreement governing the Loan prescribed by the Lender in respect of the Loan.

1. Details of the borrower a) Name

samar khan

b) Current
Address
S O ARSHAD KHAN 8 2 624 B 1 1 PENT HOUSE1 ASAF
JAHI TOWER ROAD NO 10 CITY CENTER MMALL
BANJARAHILLS KHAIRATABAD HYDERABAD
TELANGANA

c) Permanent
S O ARSHAD KHAN 8 2 624 B 1 1 PENT HOUSE1 ASAF
Address
JAHI TOWER ROAD NO 10 CITY CENTER MMALL
BANJARAHILLS KHAIRATABAD HYDERABAD
TELANGANA

Email
d)
Address
e) Mobile No. 7547898013
2. Loan Amount Loan Amount : Rs 300000.0 ( Three Lakh Rupees Only)
3. Loan Type Personal Loan
4. Rate of Interest (ROI) 23.99 % per annum (Fixed)
5. Annual Percentage Rate (APR) 23.99%
6. Repayment Schedule Repayment Tenure (in months): 60
Equated Monthly Instalment (BPI is included under first EMI) of Rs 8629
Frequency of Repayment of EMI: Monthly
Due Date of the EMI shall be 5th day of the each month unless otherwise
communicated by the Lender
7. Repayment Mode NACH
8. Validity of Sanction Letter 30 Days
9. Insurance Premium amount NA
10. Cooling Off/Look up Period NA
11. Schedule of Fees &Other charges

i. Processing Fees Rs. 2499 including GST (to be deducted from the Loan Amount)

ii. Default Interest 2% Per Month of the overdue amount

Terms &Conditions of the Sanction:

a) This Sanction Letter has been issued based on the documents and details submitted by the Borrower at the time of the loan application, and in
case of any discrepancy or misrepresentation is found later at any stage before the disbursement of the Loan, Lender shall have a right to revoke
this Sanction Letter.
b) This Sanction Letter will only be a letter of offer and shall stand revoked and cancelled, if there are any material changes in the proposal for
which the Loan is sanctioned or; if any event occurs which, in Lender’s sole opinion is prejudicial to its interest or is likely to affect the financial
condition of the Borrower or his / her/ their ability to perform any obligations under the Loan or; any statement made in the loan application or
representation made is found to be incorrect or untrue or material fact has concealed or; upon completion of the validity period of this offer unless
extended by us in writing.

c) The sanction is subject to Lender’s absolute discretion and may be revoked by the Lender as the Lender may deem fit including in the event
any condition precedents are not complied with. The Loan facility shall be governed by the terms and conditions prescribed by the Lender as
accepted by the Borrower/s in addition to this Sanction Letter.

d) The Borrower may need to provide certain additional details or documents as required by the Lender at the time of actual disbursal of the loan.

e) The actual disbursal of the sanctioned amount shall be subject to: - Execution of the Loan Agreement by the Borrower, which shall be the final,
binding and superseding document for all purposes for this relationship between the Borrower and the Lender, and

f) APR is effective annualized interest rate (in percentage) computed on net disbursed amount using IRR approach and reducing balance method.

g) The Borrower may within Cooling -Off Period /Look-up Period repay the principal Loan amount along with proportionate APR without the
requirement to pay any Prepayment charges. The Borrower continuing with the Loan after Cooling off period/Look-up Period shall be liable to
Pre- payment/Part Payment charges as detailed above.

h) In the event of a conflict between the Sanction Letter and the Loan Agreement governing the Loan, the Loan Agreement governing the Loan
shall prevail to the extent of conflict.

i) It is recommended to fully insure the Loan Amount availed, for unforeseen events in life. Opting for the Loan Amount along with life insurance
in the sanction letter is only, your intent and such selection is not binding on the Lender. Such selection shall become effective only upon you
explicitly instructing the Lender in writing to disburse the premium to the insurance company directly and on complying with all the formalities as
required by the insurance company &the Lender shall not be liable for any consequences/damages/losses arising out of non-compliance of the
same.

j) Insurance is a subject matter of solicitation. Contract of Insurance is between the insurance company and the insured / policyholder. Insurance
products are offered &underwritten by the insurance company &the Lender does not underwrite the risk or act as an insurer.

k) Participation by the Borrower in any insurance product is optional and purely on a voluntary basis &the Borrower may opt for insurance
through Lender or open market at his/her sole discretion.

l) Interest Rate for each loan will be decided by the Lender after considering various factors such as customer profile, tenor of loan, type of loan,
value of security etc. Gradation of interest will be based on factors such as Credit Bureau score, income, etc. For more details, please refer to our
website www.piramalfinance.com.”

For ease of operation, I hereby sign the Sanction letter digitally through Aadhaar based eSignature and shall enter the one-time password
(“OTP”) in token of having read, understood, and irrevocably agrees and accepts the Sanction Letter. Once the said OTP is entered, Lender
shall assume that such OTP has been provided by me and it is my sole responsibility to ensure that the OTP is not compromised or shared with
any unauthorized users.

Agreed and Accepted:

Name of the Borrower: samar khan

Date: 21-Jul-2023 Time: 02:26 PM IP: 103.75.160.101

Internal Use--Confidential

Piramal Capital & Housing Finance Limited (formerly known as Dewan Housing Finance Corporation Ltd)
Registered office: 601, 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (West),
Mumbai - 400 070 | CIN: U65910MH1984PLC032639
www.piramalfinance.com | Email ID: customercare@piramal.com | Toll-Free Number: 1800 2666 444