Stamp Reference#82AB456180

Signature Not Verified

Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180

Signature Not Verified

Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

LOAN AGREEMENT

THIS AGREEMENT (hereinafter referred to as the “Agreement”) is executed at Kolkata BETWEEN:

L&T FINANCE LIMITED, a Non-Banking Financial Company registered with the Reserve Bank of India and
incorporated under the Companies Act, 1956, having its Registered Office at 15th Floor, ‘PS SRIJAN Tech Park’, Plot
No 52, Block DN, Sector-V, Salt Lake City, Kolkata – 700091, District 24-Parganas North and its Corporate Office at
Brindavan, Plot No. 177, C.S.T Road, Kalina, Santacruz (East), Mumbai, 400098 hereinafter called "Lender" (which
term shall, unless excluded by or repugnant to the subject or context, be deemed to mean and include its successors
and assigns).

AND

THE PERSON(S), referred to as the Borrower, more particularly described in the Schedule hereinafter referred to as
the “Borrower” (which expression shall unless the context otherwise requires, include his/her heirs, legal
representative, executors, administrator, successors, and permitted assigns).

Each of the Borrower and the Lender shall hereinafter be individually referred to as the “Party”, where the context so
permits, and shall be collectively referred to as the “Parties”.

WHEREAS:
A. The Borrower has approached the Lender with a request to grant the credit facility for the Purpose and the
Lender has agreed to lend to the Borrower the Loan on the terms and conditions as contained herein.
B. The Lender agrees to extend the Loan to the Borrower on the faith of the undertakings representations and
warranties made by the Borrower.

NOW IT IS HEREBY AGREED AND DECLARED BETWEEN THE PARTIES HERE TO AS FOLLOWS:

1. TERMS OF LOAN
1.1. Based on the request, representation and information provided by the Borrower and subject to the terms and
conditions of this Agreement, the Lender hereby agrees to lend to the Borrower the sum as mentioned in the
Schedule (hereinafter “Loan Amount”, as the context may require) for personal requirements of the Borrower
(hereinafter "Purpose”), for such number of years/months/days as mentioned in the Schedule (hereinafter
“Tenure”).
1.2. Upon the Borrower's request, the Lender may consider lending the amount required towards the premium for an
insurance policy, for which the Lender shall be the loss payee. The Borrower expressly agrees and confirms
that the insurance premium shall be an increment of the principal amount of the Loan, and all the terms and
conditions shall be additionally applicable thereto. The Borrower also expressly agrees and confirms that the
Lender deducts the premium amount from the Loan Amount prior to effecting disbursal of the Loan Amount to
the Borrower.
1.3. The amount to be credited to the Borrower’s account (hereinafter “Net Disbursed Amount”) as detailed in the
Schedule, shall be the Loan Amount excluding and sum of the Upfront Charges and the sum of insurance
premiums.
1.4. The Schedules at the end of this Agreement shall be deemed to be part of this Agreement, as if the provisions
in the Schedule were set out in this Agreement in extension and shall be read in conjunction with each other.
1.5. This Agreement shall come to an end upon the Lender having, to its satisfaction, received the entire Loan
Amount, the entire Interest and all other charges due and payable by the Borrower to the Lender as per the
terms of this Agreement (hereinafter “Outstanding Dues”).
1.6. All capitalized terms used if not specifically defined in this Agreement shall have the respective meanings
ascribed to them under the Schedule.

2. INTEREST, REPAYMENT AND OTHER CHARGES

2.1. INTEREST:
a) The Borrower shall pay such amount towards interest on the Loan Amount (hereinafter “Interest”). The
Interest is determined by the Lender using the Internal Rate of Return (IRR) method and applies the same to
the Loan on the reducing balance of the Loan (“ Annualized Interest Rate”). The Annualized Interest Rate
payable by the Borrower can be modified from time to time, with each such modification being applicable to
the Borrower prospectively. The Lender has assessed the income and credit profile of the Borrower to
ascertain the Annualized Interest Rate for the Loan. The Lender's process and methodology of determining
the rate of interest is provided on the Lender’s website (www.ltfs.com), under the heading "Interest Rate
Model". Any change in the Interest Rate Model shall be updated on the Lender's website and shall
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

thereupon become applicable to the Borrower as per the terms of this clause. The annualized percentage
rate computed on net to be disbursed amount using IRR approach and reducing balance method is as
specified in the Schedule (hereinafter “Annualized Percentage Rate”).
b) The Lender agrees that changes in the Annualized Interest Rate and/or the Annualized Percentage Rate
and charges shall be affected only prospectively.
2.2. REPAYMENT:
a) The Borrower shall repay the Loan Amount together with the Interest as mentioned in the Schedule
(hereinafter “EMI Amount”/ “Installment Amount”) on equated monthly installments basis (hereinafter
“EMI”) on due dates as mentioned in the Schedule (hereinafter “EMI Date”/ "Installment Date"). In the event
of the Installment Date being a bank holiday or otherwise a declared or undeclared non-working day, the
working day immediately preceding the Installment Date shall be deemed to be the Installment Date and
Borrower shall arrange to ensure that the Lender realizes the monies on such deemed Installment Date. The
interest shall be calculated from the disbursement date and the repayment schedule shall be shared with the
Borrower along with the welcome kit after disbursement of the Loan.
b) All payments made by/on behalf of/ for the Borrower or any realizations in relation to the Loan, shall be
appropriated towards the Outstanding Dues in the following order: (a) Firstly, towards legal costs, stamp duty
cost and any other expenses incurred by the Lender; (b) Secondly, towards any charges, commissions, fees,
taxes, levies (wherever applicable); (c) Thirdly, towards the Additional Interest; (d) Fourthly, towards the
Interest; (e) Fifthly, towards the principal amount. Any statement of account furnished by the Lender shall be
accepted by and be binding on the Borrower(s) and shall be conclusive proof of the correctness of the
amounts mentioned therein except for any manifest error therein. Provided that, in the event the loan
account of the Borrower is classified as a Non-Performing Asset in terms of this Agreement, all payments
made by/on behalf of/ for the Borrower or any realizations in relation to the Loan, shall be appropriated
towards the Outstanding Dues in the following order: (a) Firstly, towards the principal amount; (b) Secondly,
towards the Interest; and (c) Thirdly, towards any charges, commissions, fees, taxes, levies (wherever
applicable).
c) All monies payable by the Borrower to the Lender shall be paid to the Lender using a Payment Mandate at
Mumbai or at such office as may be specified by the Lender. Payment Mandate shall mean any manner or
instrument of payment as approved by NPCI or RBI for transferring amounts from one Party to another, e.g.,
cheques, IMPS, RTGS, ECS, NACH, e-NACH, UPI, BBPS, etc., which shall be referred to as " Payment
Mandate". The Borrower hereby authorises the Lender to present the Payment Mandate for collection of
EMI as per agreed terms or to re-present the Payment Mandate multiple times (if required) in case of
payment default to recover Outstanding Dues.

2.3. CHARGES:
a) An amount towards processing the Loan as mentioned in the Schedule (hereinafter “Processing Fee”) shall
be appropriated upfront from the Loan Amount by the Lender prior to disbursement.
b) An amount towards loss of interest for period between the date of disbursement of the Loan and the first EMI
Date as mentioned in the Schedule (hereinafter “Broken Period Interest”) shall be appropriated upfront
from the Loan Amount by the Lender prior to disbursement.
c) On failure by the Borrower to pay to the Lender, the instalments in the manner that are/may become payable
by the Borrower under this Agreement, the Lender reserves the right to charge Additional Interest as
mentioned in the Schedule hereto (hereinafter “Additional Interest").
d) In the event of dishonor of any Payment Mandate, the Lender reserves the right to levy charges as
mentioned in the Schedule (hereinafter “Payment Mandate Bounce Charges”).
e) If the Borrower requests for exchange of an existing Payment Mandate to a new Payment Mandate, the
Lender reserves the right to levy charges as mentioned in the Schedule (hereinafter “Payment Mandate
Swap Charges”).
f) Upon termination of this Agreement subject to the terms and conditions of this Agreement, if the Borrower
requests for a duplicate copy of no-dues certificate, the Lender reserves the right to levy charges as
mentioned in the Schedule (hereinafter “Duplicate No Dues Certificate Charges”). The Duplicate No Dues
Certificate Charges will not be levied by the Lender for issuance of a duplicate copy of no-dues certificate for
the first three times.
g) In the event the Lender incurs legal expense or costs towards recovery in connection with the Loan of the
Borrower, the Lender reserves the right to levy charges as mentioned in the Schedule (hereinafter “Legal/
Recovery Charges”).

3. COOLING-OFF PERIOD, LOAN CANCELLATION, FORECLOSURE, PART-PREPAYMENT AND ITS CHARGES

3.1 If the Borrower cancels the Loan within there (3) days of disbursement of the Loan Amount (hereinafter
“Cooling-off Period"), no charges shall be levied by the Lender. The Borrower acknowledges and understands
that upon cancellation by the Borrower within the Cooling-off Period, the total Loan Amount (not just the Net
Disbursed Amount) shall be payable by the Borrower to the Lender without the Loan Cancellation Charges.
3.2 If the Borrower cancels the Loan after the Cooling-off Period but before first Installment Date (hereinafter “Loan
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

Cancellation"), the Lender may at its discretion levy such amount as mentioned in the Schedule (hereinafter
“Loan Cancellation Charges"). The Borrower acknowledges and understands that upon cancellation, the total
Loan Amount (not just the Net Disbursed Amount) shall be payable by the Borrower to the Lender together with
the Loan Cancellation Charges.
3.3 The Borrower may opt to make full prepayment of the Outstanding Dues (hereinafter “ Foreclosure”) or part-
prepayment of the Outstanding Dues (hereinafter “Part-Prepayment”) after 6 (six) months from date of first
disbursement (hereinafter “Lock-in Period”) subject to the Lender’s approval and payment of the Prepayment
Charges on the amount of the Loan repaid;
3.4 Foreclosure or any Part-Prepayment opted for by the Borrower shall bear the charges as identified in the
Schedule herein (hereinafter “Prepayment Charges”). In case of revision of said charges the revised charges
will be updated on the 'Schedule of Charges’ on the Lender’s website, i.e. www.ltfs.com, and the same shall be
applicable upon the Borrower when seeking to make Foreclosure or any Part-Prepayment of the Loan.

4. BORROWER'S REPRESENTATIONS, COVENANTS, AND UNDERTAKINGS

The Borrower hereby agrees, declares and confirms that:
6.1. The Borrower's obligation to pay the total EMI Amounts and all other charges & monies payable under or
pursuant to this Agreement, shall be absolute and unconditional.
6.2. The Borrower is not in default, or breach of any of the terms of this Agreement and/or any of the other loan
documents; and no Event of Default is subsisting, nor is there any event or circumstance subsisting which
constitutes, or is likely to constitute an Event of Default and/or a default under any document binding on the
Borrower or any of its assets.
6.3. The Borrower shall furnish and create such security from time to time in favor of or for the benefit of the Lender
of such value, in such form and in such manner, as may be deemed fit by the Lender, forthwith upon being so
required by the Lender. The Lender shall also have the right to stipulate any other and further terms and
conditions that it may deem fit at any time prior to or after the grant of the Loan, which shall be binding on the
Borrower.
6.4. The Borrower agrees and undertakes to act, to the extent and as applicable, in compliance and consistent with
the “LTFS Code of Conduct” as may be amended from time to time by LTFS as provided on the official website
of LTFS (www.ltfs.com) in the manner and to the satisfaction of Lender, and applicable laws of the jurisdiction of
the Borrower. The Borrower understands that compliance as provided under this clause is essential to the terms
of this Agreement.
6.5. The Borrower agrees to use the Loan Amount for the specified Purpose and shall not use the same for any
other purposes including investing in the capital market or for any speculative purposes, fraudulent/ unlawful
purposes and/or antisocial purposes. The Lender shall have the right to recall the Loan if the funds are used for
any speculative, unlawful and/or antisocial purposes and/or for any other reasons deemed inappropriate by the
Lender.

5. CONSENTS
5.1. The Borrower authorizes the Lender to share, without any further notice, the information and details of the
Borrower shared pursuant to this Agreement/this Loan, their repayment history for the purposes of customer
verification, personalization of products or services, credit rating, data enrichment, marketing or promotion of
the Lender’s or related products, with its group companies, service providers, partners, banks, financial
institutions, credit bureaus, statutory authorities and regulatory bodies, etc.. The Borrower hereby confirms that
the Borrower shall not hold the Lender liable for the use/sharing of the information as stated above. The
Borrower specifically waives the privilege of privacy, privity and defamation. The Borrower hereby provides its
consent to the Lender and / or its partners for obtaining and authenticating the “Know Your Customer” (KYC)
information with relevant authorities (e.g. NSDL, UIDAI, etc.) for fulfilling KYC requirements. The Borrower
hereby authorizes the Lender to store the personal information required as part of the Agreement, including that
which could have been obtained via KYC/e-KYC process of the Borrower, for the period of 5 (five) years from
the date of termination or expiry of this Agreement, during which this consent shall continue to remain valid and
applicable. The logs and information maintained by the Lender shall comply with all the relevant laws, rules and
regulations, including, but not limited to, the Information Technology Act, 2000 and the Evidence Act, 1872.
5.2. The Borrower also authorizes the Lender’s representative to call/ SMS/ WhatsApp the Borrower in relation to
this Loan and/or other products/ services. This consent overrides the registration of Borrower for DNC/ NDNC.
The Borrower agrees, confirms and specifically waives his right to pursue remedies in relation to unsolicited
communication referred to in the “National Do Not Call Registry” (the “NDNC Registry”) as laid down by the
Telecom Regulatory Authority of India for such communication/calls/ SMS received from the Lender.

6. NOTICE
6.1 All communications/notices/letters/document/statements between the Lender and the Borrower shall be in
English or in a language understood by the Borrower. Any notice, direction or instruction under this Agreement
shall be in writing, and delivered by hand delivery, email, SMS, WhatsApp, registered post acknowledgement
due or by way of courier. The address for delivery for the Lender shall be at its corporate office at Brindavan,
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

CST Road, Kalina, Santacruz (East), Mumbai, Maharashtra - 400098, India and to the other Parties at their
respective addresses as provided in the Schedule of this Agreement. Borrower shall update change of their
addresses to the Lender within 7 (seven) days of such change.
6.2 Notice will be deemed given (i) in the case of hand delivery, on delivery; (ii) in case of email/SMS/WhatsApp, on
having been sent and delivered (ii) in case of registered post acknowledgement due and courier dispatch, within
4 (four) calendar days after posting.
Provided that in case of the date of receipt not being a business day, notice shall be deemed to have been
received by the receiving Party on the next business day.
6.3 The Parties agree that the Lender may communicate the changes to the terms and conditions to this Agreement
by Email/SMS at the mobile number provided by the Borrower. If the Borrower has any concerns, then Borrower
shall communicate the same to the Lender within 7 (seven) days from date of Email/ SMS. In absence of such
communication, it is deemed that the Borrower has accepted such change in the Agreement.

7. DEFAULT OF LOAN AND THEIR CONSEQUENCES

7.1. EVENT OF DEFAULT:
Breach of any of the below conditions shall mean default under this Agreement (hereinafter called “Default”).
For ease of reference and understanding, the term Default shall apply to analogous situations for any and all
events of a like nature, including when applicable to other loans and other borrowings of any nature that are of
benefit to the Borrower:
a) Fails to pay the Installment Amount and all other charges payable or part thereof within the stipulated
time, whether demanded or not, as per the terms of this Agreement;
b) Default by the Borrower in performance of any of their obligations under this Agreement;
c) Misrepresentation, misleading, incorrect information or suppression of material records/facts by the
Borrower;
d) Occurrence of any circumstance or event which adversely affects Borrower's ability/ capacity to pay/
repay the Outstanding Dues or any part thereof or perform any of the obligations in the opinion of the
Lender;
e) If any attachment, distress, execution or other process against the Borrower / its assets is threatened,
enforced or levied upon by any person;
f) the event of death, insolvency, failure in business, bankruptcy of the Borrower, or change or termination
of employment / profession / business for any reason whatsoever. The Borrower hereby understands,
agrees and expressly provides that the Lender shall without any liability, and prior intimation, notice or
without consent of the Borrower, in its sole discretion be entitled to inform, communicate, share or furnish
information pertaining to commission or any omission or default committed by the Borrower to any
statutory and/or regulatory authority and/or person authorized by such authority, RBI or otherwise under
any applicable laws or regulation.
7.2. CONSEQUENCES OF DEFAULT:
Notwithstanding the aforesaid, upon happening/ occurrence of any Default, without prejudice to the Lender’s
rights and remedies under contract or law, and without necessity of any demand upon or notice to the
Borrower, all of which are hereby expressly waived by the Borrower, and notwithstanding anything to the
contrary contained herein or in any of the security documents (as the case may be), the Lender may at its
absolute discretion, pursue any or all of the following, and whether simultaneously or independently or
otherwise:
a) declare the entire Outstanding Dues and all of the obligations of the Borrower to the Lender hereunder, to
have become due and payable by the Borrower to the Lender forthwith, in which event the Borrower shall
be liable to forthwith pay to the Lender the entire Outstanding Dues;
b) to exercise, initiate and pursue any action, rights, notices, remedies, any proceedings (including ligation),
whether civil, criminal or otherwise in nature, and including for recovery of Outstanding Dues.
c) The Lender may however without being obligated to do so, in its sole and absolute discretion, on
occurrence of a Default or any event which after the notice or lapse of time or both would constitute a
Default, give notice to the Borrower in writing specifying the nature of such Default or of such event and
where the Default is capable of being cured or remedied, specify a time period within which such Default
or event is to be cured to the satisfaction of the Lender, failing which the Lender shall be entitled to
pursue all or any of the actions as contemplated above.
Upon the occurrence of any of the events in Clause 7.1, all of the outstanding amounts shall immediately
become due for payment, subject to the Lender issuing a notice for such payment of outstanding amounts. At
the discretion of the Lender, the Borrower herein can be granted a suitable time period for such payment of the
outstanding amounts. Any notice of recall issued by the Lender shall continue to remain valid, binding and
active, unless specifically rescinded by the Lender in writing. The Borrower can submit a request to the Lender
for rescinding the notice for payment of outstanding amounts after regularizing his loan with the Lender by
paying the Installment Amount and all other charges payable to the Lender. Independent of issuing the notice
mentioned hereinbefore, Lender shall share information of the occurrence of the events in Clause 7.1 with the

Signature Not Verified

Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

credit rating and statutory agencies. Such information once shared by the Lender cannot be rescinded and shall
continue to remain part of the records of such agency as per their policy.
7.3. IRAC CLAUSE:
a) Notwithstanding any other provisions of this Agreement and any rights available to the Lender under the
applicable laws, the Lender shall, in compliance with RBI’s Clarification on Prudential norms on Income
Recognition, Asset Classification and Provisioning pertaining to Advances dated November 12, 2021 as
amended from time to time and /or as required/ directed by RBI (“RBI IRACP Norms”), classify and notify
the Loan as an overdue account under day-end processes on the due date as per Lender’s internal
processes.
b) Additionally, subject to the RBI IRACP Norms and applicable laws, the Lender shall classify the Loan as
SMA or NPA on the relevant due date in accordance with the day-end process followed by the Lender.
The SMA or NPA classification date and asset classification status of the Loan shall be as on the date of
the Lender’ day-end process for the said Loan.
c) For the purpose of clarity stating below an example:
If the due date of a loan account is March 31, 2021, and full dues are not received before the lending
institution 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 the 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 it continues to remain overdue further, it shall get classified as NPA upon running day-end
process on June 29, 2021."

8. SET OFF, COUNTERCLAIM

The Borrower herein, expressly agrees that, if the Borrower has availed any other loan facility from the Lender,
for which any property, moveable or immoveable has been provided or extended as security by the Borrower for
such other facility, the enforcement of any such security by the Lender by way of sale, transfer or appropriation,
upon default by the Borrower of such other loan facility shall accrue to the Lender, the right to appropriate all
amounts collected from the sale, transfer or appropriation, which are in excess of the outstanding dues of such
other loan facility, towards the Outstanding Dues under the Loan given under this Agreement.

9. ARBITRATION AND JURISDICTION

9.1 Without prejudice to any other rights available to the Lender under any other statute to take action against the
Borrower, any dispute or difference or claim that arises between parties or any of them concerning this
Agreement or any condition herein as to the rights, duties or liabilities of parties hereto shall be referred to
Arbitration appointed by the Lender according to the provisions of section 29B (3)(FastTrack Arbitration)
Arbitration & Conciliation Act,1996 and rules thereunder and any amendment thereto from time to time. All
proceedings shall be conducted in English.
9.2 It is agreed between the parties hereto that nothing contained in Section 17 of Arbitration & Conciliation Act,
1996 shall in any way, affect the right of any of or preclude the parties to / from seek / seeking such interim
relief /s in an Court of competent jurisdiction, including interim relief u/s 9 of the Arbitration & Conciliation Act,
1996, and the rule framed thereunder, if in the opinion of the party seeking relief, such application for interim
relief/s is necessary order to protect the rights of the party seeking relief under arbitration;
9.3 The award of the Arbitrator shall be in English and shall be a written award and shall be final, conclusive &
binding on all the parties whether on question of law or of fact;
9.4 In the event of death, refusal, negligence, inability, incapability of the persons so appointed to act as the
Arbitrator a new arbitrator shall be appointed;
9.5 The venue of arbitration shall be Kolkata or such other place as may be determined at the sole discretion of the
Lender and courts in Kolkata or such other place shall have exclusive jurisdiction.
9.6 Notwithstanding anything contained hereinabove, in the event of the law being made or amended so as to bring
the Lender under the SARFAESI Act, 2002 as amended from time to time or the DRT Act, or any other special
legislation to enable the Lender to enforce the security under the Securitization Act or proceed to recover
Amount Dues from the Borrower under the DRT Act, the arbitration provisions hereinbefore contained shall at
the option of the Lender cease to have any effect and if arbitration proceedings are commenced but no Award is
made, then at the option of the Lender, such proceedings shall stand terminated and the mandate of the
Arbitrator shall come to an end from the date of the making of the law or the date when amendment becomes
effective or the date when the Lender exercises the option of terminating the mandate of Arbitrator the case
may be.

10. MISCELLANEOUS
10.1. TAXES:
The Borrower shall bear all such imposts, duties and taxes (including interest and other taxes if any) as may be
levied from time to time by the Government or any other authority pertaining to or in respect of the Loan. In the
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

event of the Borrower withholds taxes on the interest or any other charges as per the prevailing Indian Income-
tax laws e at the time of such payment (TDS), the Borrower shall furnish to the Lender a certificate of such TDS
within 45 (forty-five) days from the end of the quarter in which deduction is made. In case, if the Borrower has
not deposited tax deducted to the exchequer and/or, after depositing, not issuing TDS Certificate to the Lender
within the prescribed timeline or if the amount deducted is not reflected in Form 26 AS, then the Lender
reserves the right to recover from the Borrower such tax along with interest as levied by Income Tax
Department.
10.2. EXECUTION OF THIS AGREEMENT AND THE VALIDITY OF THE PROCESS:
The parties hereby acknowledge and agree for the electronic execution of this Agreement, including using OTP
Based Electronic Signature. The Parties hereby further irrevocably agree and undertake that that this
electronically executed Agreement is legally binding and enforceable upon the Parties and the validity of this
Agreement shall not be challenged on any ground(s) whatsoever, including its mode of execution being
electronic in nature.
10.3. AMENDMENT:
Any amendment(s), modification(s), revision(s) of this Agreement, the Schedule and any other documents shall
be in writing, which writing shall form an integral part of this Agreement without the need to enter into any
supplementary agreement. In the event of the Borrower avails any additional/ top-up loan from the Lender, a
new loan agreement shall be executed and the new loan agreement shall supersede this Agreement.
10.4. INFORMATION:
The Borrower undertakes to furnish to the Lender, any such information called for by the Lender during the
pendency of the Loan and shall not in any way keep the same in abeyance. The Borrower agrees that it shall be
discretionary on the part of the Lender to consider such non-furnishing of information to be an Event of Default
on part of the Borrower.
10.5. ASSIGNMENT AND TRANSFER:
The Lender shall have a right to sell or transfer (by way of assignment, securitisation or otherwise) whole or part
of the Loan and outstanding amounts under the Loan or any other rights under this Agreement or any other
document pursuant hereto to any person in a manner or under or under such terms and conditions as the
Lender may decide in its sole discretion including reserving a right to the Lender to retain its power hereunder to
proceed against the Borrower on behalf of the purchaser, assignee or transferee, any or all outstanding and
dues of the Borrower, to any third party of the Lender’s choice without reference to or without intimation to the
Borrower. Any such action and any such state, assignment, securitisation or transfer shall bind the Borrower to
accept such third party as creditor exclusively or’ as a joint creditor with the Lender, or as creditor exclusively
with the right to the Lender to continue to exercise all powers hereunder on behalf of such third party and to pay
over such outstanding and dues to such third party and or to the Lender as the Lender may direct. The third
party shall have the authority of the Borrower to collect the due amounts. The Borrower shall not transfer or
assign the rights under this Agreement without previous written consent of the Lender.

SCHEDULE
DETAILS OF THE BORROWER
Loan Agreement Date : 2023-08-06 15:24:48
Name of the Borrower : Bandana Sarkar
11/1C,CHRISTOPHER ROAD,Gobinda Khatick
Road
Permanent address of the Borrower : Kolkata,West Bengal
700046 Kolkata
West Bengal
11/1C, CHRISTOPHER ROAD
Correspondence address of the Borrower (for KOLKATA MUNICIPAL CORPORATION, TANGRA
:
communication/ notices) 700046 Kolkata
West Bengal
Email address of the Borrower : bandanasarkar782@gmail.com
Mobile number of the Borrower : 8240954815
WhatsApp number of the Borrower : 8240954815
DETAILS OF THE LOAN
Loan Agreement / Account Number (LAN) : C02308061012730189
Loan Amount (In figures) : Rs. 343415
Rs. Three Lakh Forty Three Thousand Four
Loan Amount (In words) :
Hundred Fifteen Rupees Only
Net Disbursed Amount : Rs. 323400.00
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

Tenure (in months) : 48 Months

Annualized Interest Rate : 17.50% p.a.
Annualized Percentage Rate : 18.96% p.a.
1st estimated EMI Date* : 2023-10-03
EMI Amount (In figures) : Rs. 9999.00
Rs. Nine Thousand Nine Hundred Ninety Nine
EMI Amount (In words) :
Rupees Only Only
Installments/ Frequency of Repayment : Equated Monthly Installments (EMI)
Cooling-Off Period
: 3 (three) days
(Ref.: Clause 3.1 of the Loan Agreement)
Mode of Repayment : eMandate
*This is an estimated EMI Date which may vary by one/two months based on date of disbursement. Exact EMI Date
shall be as per the Repayment Schedule.
UPFRONT CHARGES
Processing Fee
: Rs. 6600.00
(Ref.: Clause 2.3(a) of the Loan Agreement)
Broken Period Interest
: Rs. 2310.00
(Ref.: Clause 2.3(b) of the Loan Agreement)
Annual Maintenance Charge : NIL
Issuance of Statement of Accounts : NIL
Issuance of Repayment Schedule : NIL
Issuance of Foreclosure Letter : NIL
Issuance of other documents : NIL
*The Borrower does not have to separately pay the above amounts. The Loan Amount is inclusive of above
amounts. In the event of Loan Cancellation, the above amount is not refundable.
CONTINGENT CHARGES
Loan Cancellation Charge
: Rs. 1000/- + GST
(Ref.: Clause 3.2 of the Loan Agreement)
Prepayment Charges
: 5% of the amount of loan repaid + applicable taxes
(Ref.: Clause 3.4of the Loan Agreement)
Additional Interest
: 3% per month of the EMI Amount overdue
(Ref.: Clause 2.3(c) of the Loan Agreement)
Payment Mandate Bounce Charges
: Rs. 350/- + applicable taxes, if any
(Ref.: Clause 2.3(d) of the Loan Agreement)
Payment Mandate Swap Charges
: Rs. 500/- per swap + applicable taxes, if any
(Ref.: Clause 2.3(e) of the Loan Agreement)
Duplicate No Dues Certificate Charges
: Rs 250/- + applicable taxes
(Ref.: Clause 2.3(f) of the Loan Agreement)
Legal / Recovery Charges
: As per actuals
(Ref.: Clause 2.3(g) of the Loan Agreement)
DETAILS OF THE INSURANCES AVAILED BY THE BORROWER (OPTIONAL)*
Credit Linked Insurance : Rs. 7755.00
Hospicash : Rs. 1100.00
Wellness : Rs. 2250.00
*The Borrower does not have to separately pay the above amounts. The Loan Amount is inclusive of above
amounts, if availed by the Borrower. In the event of Loan Cancellation, the above amount is not refundable.
ADDITIONAL DETAILS
Exact Due Date for Repayment of Loan As per the Repayment Schedule
Breakup between Principal and Interest As per the Repayment Schedule
Example of SMA/NPA Classification Please refer Clause 7.3 of the Loan Agreement
The exact date of commencement of repayment of
As per the Repayment Schedule
Loans with moratorium facility
FORMAT OF REPAYMENT SCHEDULE*
Installment Installment Installment Principal Interest Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

*This is a format of the Repayment Schedule. The final Repayment Schedule shall be shared with the Borrower
along with the welcome kit after disbursement of the Loan.

1. Customer Service and Grievance Redressal

A. Reach at our branch - Contact person Branch Support Executive
B. Address / Contact details Kindly refer our Website www.ltfs.com
C. Visiting Hours – Branches (except Public Monday- Friday, between 10.00 am to 4.00 pm.
Holidays and Branch Saturday and Sunday are Holidays
Holidays)
D. Reach Central Customer Service - Contact Customer Service Executive
Person
E. E-mail Address of Lender customerservice@ltfs.com
2. Procedure to obtain any documents / requests / clarifcation

A. You may choose to reach us for any clarifcations, requests or any statement request though any
of the aforesaid contact points
B. Timelines for general requests (kindly contact our representative for details / requests other than
listed below):
- Statement of Accounts / clarifcation request – [__] working day/ Available on LTFS PLANET App
- Address changes / Payment mode changes / refund etc. - 7 Working days
- Document retrieval (post maturity / closure) - 7 working days
- Photocopy of title documents – 10 Working days

You may contact the Grievance Redressal Ofcer (GRO) in case if you are not satisfed
with the response /service level or you would like to lodge your grievance
GRO Email Address gro@ltfs.com
GRO Contact Number +91 72 64 8887 77
A. In case if your grievance is not attended to or the grievance is not addressed to your
satisfaction, you may choose to contact the OfcereineCharge at RBI at the following
addresse
Regional Ofce of Department of Non-Banking Supervision (DNBS),
Reserve Bank of India (RBI)
Department of Non-Banking Supervision
15 Netaji Subhas Road,
Kolkata 700001
Email: dnbskolkata@rbi.org.in
-It is hereby agreed that for detailed terms and conditions of the Loan, the Borrower (s) is
requested to refer and rely upon the Loan Agreement and other security documents executed/ to
be executed with Lender. The details contained in this document may be subject to change as
per the Lender’ policy or based on the Regulatory norms and in line with the terms contained in
the Loan Agreement.

IN WITNESS WHEREOF, the Borrower and Lender hereby set their hands to digitally execute these presents
the day and year first hereinabove written.

Borrower L&T Finance Limited

Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
Underwritten
by
Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

Application Form e ‘Group Care 360° Scheme’

Scheme for Scheme for L&T Finance Limited Loan Customers)

To be flled by Applicant in CAPITAL LETTERS only. Use Black ink

For Office Use Only

Account Number : 09042041001104 Total Premium (Incl. GST) : 7755.00

Transaction ID : Date of Transaction :
_________________________ Loan Account Number : C02308061012730189
Branch Name : PUNJAB NATIONAL BANK Branch Code :
CHIL Intermediary Name : CHIL Intermediary Code:
Loan Tenure : 48 (months) Loan Type :: _

Proposer Details

Mr./Ms.

Name : Bandana Sarkar

Address :11/1C, CHRISTOPHER ROAD

Signature Not Verified

Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

KOLKATA MUNICIPAL CORPORATION, TANGRA

State : West Bengal City : Kolkata

Pin Code : 700046

Date of Birth : ________1972-11-11_____________________________ Mobile : 8240954815

Landline : Alternative Number :

E-mail : bandanasarkar782@gmail.com

AADHAR No. :

Marital Status : Income:

Mother’s Maiden Name :

Nominee Details

Name : JYOTI PODDER

Date of Birth : 21/Nov/1989 Relationship with Proposer : DAUGHTER

Appointee Name : Appointee DOB : __________________________________

(Only where the Nominee is of age 18 years or less)

Care Health Insurance Limited (Formerly Religare Health Insurance Company Limited) Registered Ofce: 5th Floor, 19 Chawla
House,Nehru Place,
New Delhi-110019 Corresp. Ofce: Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram-122001
(Haryana)
Website: www.careinsurance.com E-mail: customerfrst@careinsurance.com Call us: 1800-102-4488
CIN: U66000DL2007PLC161503 UIN: RHIHLGP20126V011920 IRDAI Registration No. - 148

In the event of death of the applicant any payment due under the Certifcate of Insurance shall become payable to the nominee
proposed in this
form. The receipt of the proceeds by the nominee would be sufcient discharge to the Care Health Insurance Limited (Insurer).
Nominee for all
other person(s) proposed to be insured shall be the applicant himself.

Details of the Person to be Insured (Including Applicant)

Signature Not Verified

Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

Name Date of Birth Gender Relationship with

:Bandana Sarkar 1972-11-11 Female

SELF

Plan Optons

Sum Insured : 330000.00 Premium Including GST: 7755.00 Tenure: __48(months)____________________

Declaraton

I hereby declare that:-

All proposed members are in good health and entirely free from any mental or physical impairments or deformities,
disease/condition. None of
the proposed members are habitual consumer of alcohol, tobacco, gutka or any recreational drugs.
No proposed member is involved in any hazardous activity, operating heavy machinery, handling hazardous material, working at
heights /
underground / construction sites, oil rigging, near high voltage, high temperature, working in aircrafs or sea-going vessels, armed
forces or
participate in adventure sports/activities.

Yes No

Date :06/Aug/2023 Place :Kolkata Signature : __________

For Claims & Refund Purpose

I/We hereby authorize Care Health Insurance Limited to pay directly to L&T Finance Limited, towards my outstanding dues for
EMI Protection Beneft subject to the maximum limit as per Plan Opted against the loan borrowed vide loan account no. from L&T
Finance Limited out of the claim proceeds or premium refunds under the policy issued by Care Health Insurance Limited in my/our
name.

Care Health Insurance Limited (Formerly Religare Health Insurance Company Limited) Registered Ofce: 5th Floor, 19 Chawla
House,Nehru Place,
New Delhi-110019 Corresp. Ofce: Unit No. 604 - 607, 6th Floor, Tower C, Unitech Cyber Park, Sector-39, Gurugram-122001
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

(Haryana)
Website: www.careinsurance.com E-mail: customerfrst@careinsurance.com Call us: 1800-102-4488
CIN: U66000DL2007PLC161503 UIN: RHIHLGP20126V011920 IRDAI Registration No. - 148

HDFC ERGO General Insurance Company Limited

Sarv Suraksha Plus (Group) Enrollment Form for Personal Loan customers of L&T Finance

(All fields are mandatory and fill in CAPITALS only)

PROPOSER DETAILS

Proposer Mr./ Ms. /Mrs. _Bandana Sarkar__

(First Name) (Middle Name) (Last Name)

Address: ___11/1C, CHRISTOPHER ROAD KOLKATA MUNICIPAL CORPORATION, TANGRA_________

City: ___Kolkata______________________ Pincode: __700046______________________ Gender: ___Female___
State: ______________________________________________________________________________________________ Date of Birth: 1972-11-11____
Tel.(Resi.) __________________________________________ (Off.): _____________________________________ Mobile No. ____8240954815___
E-mail: _____bandanasarkar782@gmail.com____________ Occupation Salaried / Self employed _______________
Income Details Annual Income (in Rs) _______________________________________________________________________________________________________

NOMINEE DETAILS

Name of Nominee: ______JYOTI PODDER_____________________________

Relationship ______________________________________________________ Date of Birth: __21/Nov/1989___________________
Tel.(Resi.) ____________________________________________ (Off.): _______________________________________ Mobile No. ________________________
Amount of insurance accepted ________________________________________________________Relation with proposer will be applicant _DAUGHTER
__________________________________

Period of Insurance : 36 Months Loan Account Number: ___ C02308061012730189_______________________________________________________________________

COVERAGE DETAILS
t
Policy Period - From – Risk inception date will be premium received date, To – will be based calculated as per Period of Insurance
Coverage Sum Insured/ Sum Insured Limits Sum Insured
Hospital Cash - Accident only INR 2000.00 per Day for 30 Days
Hospital Cash - Illness only INR 2000.00 per Day for 30 Days
Optional Cover – Hospital Cash –illness only
Waiting Period modification Option – 30 Days 0 Years
Waiting Period modification Option – 2 Years 0 Years
Waiting Period modification Option – 4 Years 0 Years

PREMIUM OPTION

I propose to opt for Sarv Suraksha Plus (Group) cover from HDFC ERGO General Insurance Company Limited for the tenure of 36 Months, the premium amount for which is Rs 1100.00 (inclusive of GST).

TERMS AND CONDITIONS

Declaration & Warranty on behalf of all Persons proposed to be insured: I/Weherebydeclareonmybehalfandonbehalfofallpersonsproposedtobeinsuredthattheabovestatementsaretrueandcompleteinallrespects to the best of my knowledge and that I/We am/are
authorized to propose on behalf of these otherpersons.I understand that the information provided by me willform the basis of insurance policy,is subject to the Board approved under writing policy of the Insurance company and that the policy will come into force
only after full receipt to the premiumchargeable. I/WefurtherdeclarethatI/Wewillnotifyinwritinganychangeoccurring in the occupationorgeneralhealthofthelifetobeinsured/proposerafterthe proposal has been submitted but before communication of the risk acceptance
by thecompany. I/Wedeclareandfurtherconsenttothecompany.Seekingmedicalinformationfrom any hospitalwhoatanytimehasattendedon thelifetobeinsured/proposeror from any past or present employer concerning anything which affects the physical and
mentalhealthof the lifeto be assured/proposerand seeking information fromanyinsurance company to whichan app licationorinsurance on the life to be assured/proposer has been made for the purpose of underwriting the proposal and /or claim settlement.
I/Weauthorizethecompanytoshareinformationpertainin g tomyproposalincluding the medicalrecordsforthesole purposeofproposalunderwriting and/ or claimssettlement and with any Governmental and/or RegulatoryAuthority.Note:The liab ility of
thecompanydo esn ot commence untilthe acceptance of the proposal has been formally intimatedby theinsured andfull premium has been realized by the company. We are under no obligation to accept any proposal for insurance. TheProposeragrees that the
receipt of theProposal Form by HDFC ERGO General Insurance Company Limited along withthepremium paymentdoes nottantamount to the acceptance of the Proposal for insurance by HDFC ERGO General Insurance Company Limited and does not result in a
concluded contract of insurance. The acceptance of the Proposal for insurance shall be at theCompany’ssoleandabsolutediscretionanduponfullrealizationofthepremiumpayment. IntheeventofacceptanceoftheProposalforinsuranceby HDFC ERGO General
Insurance Company Limited, such acceptance shall be specifically intimated to the Proposer by HDFC ERGO General Insurance Company Limited along with the date from which the insurance Cover shall become effective. HDFC ERGO General Insurance
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

Company Limited shall not be liable for any claim in respect of an event giving rise to a claim covered under the Policy of Insurance that has occurred prior to policy issuance is not covered under this policy (Your proposal form will be considered after HDFCERGO
General Insurance CompanyLimited receives premium payment.)
Fraud Warning: This policy shall be voidable at the option of the Company in the event of mis-representation, mis-description or non-disclosure of any material particulars by the Proposer. Any person who, knowingly and with intent to fraud the insurance
company or any other person, files a proposal for insurance containing any false information, or conceals or the purpose of misleading, Information concerning any fact material thereto, commits a fraudulent insurance act, which will render the policy voidable at
the sole discretion of the insurance company and result in a denial of insurance benefits.
Anti-Rebating Warning: As per Section41oftheInsuranceAct1938,asamended,the practice of rebating is prohibited, as follows: No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue
an insurance policy in respect to any kind of risk relating to live s rpropertyinIndia,anyrebateofthewholeorpartofthecommissionpayableoranyrebateofthepremiumshownonthe policy, nor shall any person taking out or renewing or continuing a policy acceptance
rebate, except such rebate as may be allowed in accordance with the published prospectus or tables of the insurer. Violation of Section 41 of the Insurance Act 1938, as amended, shall be punishable with a fine which may extend to Rs.10 Lakhs.

Place: _Kolkata______________________ Date: ____06/Aug/2023___________ Signature: ___________________________

AGENT’S DECLARATION

I,_______________________________________________________________(Full Name) in my capacity as an Insurance Advisor/ Specified Person of the Corporate Agent/Authorized employee of the Broker/Relationship Officer, do
hereby declare that I have explained all the contents of this Proposal Form, Including the nature of the questions contained in this Proposal Form to the Proposer including statement(s), information and response(s) submitted by him/her in
this Proposal Form to questions contained herein or any details sought here in will form the basis of the Contract of Insurance between the Company and the Proposer, if this Proposal is accepted by the Company for issuance of the Policy. I
have further explained that if any untrue statement(s)/ information/response(s) is/are contained in this Proposal Form/ including addendum(s), affidavits, statements, submissions, furnished/ to be furnished, the company shall have the right to
vary the benefits which may be payable and further more if there has been a non-disclosure of any material fact, the policy issued to his/her favor pursuant to this Proposal may be treated by the Company as null and void and all premiums
paid under the Policy may be forfeited to the company. License No. (Advisor/Corporate Agent/Broker/Relationship Officer)

Place: ______((cityCurrent)___________ Date:______ 06/Aug/2023______ Signature of the Proposer:___________________________________

ACKNOWLEDEGEMENT – CUSTOMER COPY

Ms. / Mrs. __________________________________________________________________________________________Cheque No: ____________ Dated ________ Drawn on ___________Bank for a sum of Rs. ___________________
towards payment of premium on behalf of HDFC ERGO General Insurance Company Ltd.

Neither the submission to us of a completed proposal for insurance nor any payment for any policy sought obliges us to agree to issue a policy, which decision is and always shall be in our sole and absolute discretion. If we accept a proposal
for insurance, it shall be subject to the policy terms and conditions and we shall have no liability to make any payment if premium is not received by us in full and in time, or is not realized. If we do not accept the proposal, we will inform you
and refund any payment received from you without interest within next 15 days

Date___06/Aug/2023____________ Signature & seal _____________________

Group TakeCare Insurance e Enrollment Form

Proposer Information
Proposer Name Bandana Sarkar
11/1C, CHRISTOPHER ROAD KOLKATA MUNICIPAL CORPORATION, TANGRA 700046
Address with Pin Code
Kolkata West Bengal

Mobile No. 8240954815 Email ID bandanasarkar782@gm

ail.com
Date of Birth 1972-11-11 Gender Female
Nominee Name JYOTI PODDER Relationship with Insured SELF
Aadhaar Number PAN

Insured Information
Insured
#1 Insured #2
Bandana
Insured name Sarkar JYOTI PODDER
1972-11-
DOB 11 21/Nov/1989
Gender Female
Relationship with Proposer SELF DAUGHTER

Date from which the policyholder has been continuously obtaining health
insurance cover in India without break

Risk Details
Period of Insurance: From (DD/MM/YYYY) To Midnight (DD/MM/YYYY)
Does the individual proposed to be insured form part of one Group or Association or Corporate body? Yes /No

Coverage Details

Features, Benefts, EEclusions and Claim process

Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

Tele-consultation: 12 per year, pharmacy: INR 750 per year, Health check-up for 2 members
Features
per year, emergency assistance: Unlimited per year, Face Scan: Unlimited per year
MaEimum Days
Member Cover Self+1 NA
covered
Age Policy Tenure 36 months
Pre EEisting Covered from
Waiting period 10 days
Disease Day1

EEclusions (Please refer to Policy wordings for detailed eEclusions)

Claims to be availed in cashless mode through IL TakeCare app only. Downloading the app is
mandatory.
Claims Process
Please note: There shall be no carry forwarding of left sum insured for the next year

Policy Tenure : Premium eEcluding Premium including

INR 1907/e INR 2250.00/e
36 months GST GST

1. I/We hereby give my/our consent to enrol me/us into Group TakeCare Insurance policy underwritten by LivLong
Protection and Wellness Solutions Ltd.
2. I/We agree to abide by the Terms & Conditions of the policy and provide my consent to share my personal
details, as required, regarding my enrolment into the policy with the Insurer
3. I/We, hereby declare that I/We have read all the Features, Benefts, Exclusions and Claim Process of Group
TakeCare Insurance product and would like to voluntarily opt for the same
4. I/We, the undersigned hereby declare that the above statements and particulars are true, accurate and
complete and I/We declare and agree that this declaration and the answers given above shall be held to be
promissory and shall be the basis of the contract between me/us and the Insurance Company
5. I hereby confrm that the premium towards my insurance cover will not be borne by any third party entity /
person(s), with the exception of my spouse, parents, children, siblings or employer

Insured Signature: Date: 06/Aug/2023

Insured Name: Bandana Sarkar Place: Kolkata

Disclaimer: This is a group product and the benefts opted are as chosen by the group administrator for its
members

Key Fact Statement

(i) Loan amount Rs. 343415

(ii) Total interest charge during the entire tenure of the loan Rs. 136537.00
(iii) Other up-front charges
Rs. 20015.00
(a) Processing fees Rs. 6600.00
(b) Insurance charges Rs. 11105.00
(c) Others (if any) Rs. 2310.00
(iv) Net to be disbursed amount
Rs. 323400.00
(v) Total amount to be paid by the borrower
Rs. 486552.00
Annualized Percentage Rate - Effective annualized interest
(vi)
rate
18.96%
(vii) Tenor of the Loan (in months/days) 48 Months
(viii) Repayment frequency by the borrower Monthly
(ix) Number of instalments of repayment 48
(x) Amount of each instalment of repayment Rs. 9999.00
Details about contingent charges
Rate of annualized penal charges in case of delayed
(xi)
payments (if any) 36%
Signature Not Verified
Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST
 Stamp Reference#82AB456180
CONFIDENTIAL
LTF Loan Agreement for Personal Loan

(xii) Rate of annualized other penal charges (if any) NA

Other disclosures
Cooling-off/ look-up period during which Borrower shall
(xiii) 3 days
not be charged any penalty on prepayment of loan
Details of LSP acting as recovery agent and authorized to
(xii) To be provided when loan default occurs
approach the borrower

Name, designation, address and phone number of nodal Contact No: +91 7264888777
(xiii) grievance redressal officer designated specifically to deal Email id: customercare@lts.com
with FinTech/ digital lending related complaints/ issues htps://www.lts.com/grievance-redressal.html

(xiiii
Details of your Schedule of Charges
) htps://bit.ly/LTF_SOC
(xiv) Risk Gradation of your Loan Account htps://bit.ly/LTF_InterestRateModel

Signature Not Verified

Loan Agreement Version – SPNM-Dec 2022
Signed by : ATUL KISAN KANTAK
Reason : Loan Agreement
Date : 2023-08-06 15:25:53 IST