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Loan Sanction Letter

Date: 2023-10-14

Application ID: 119176264876

Dear Applicant

We thank you for choosing, Kisetsu Saison Finance (India) Private Limited, as your lending partner.

We are pleased to inform you that with reference to your above transaction / application, we have in-
principal sanction you a personal term loan facility, the details of which are as below:

1. Facilitator / Digital Lending Whizdm Innovations Private Limited

Platform (Moneyview)
2. MoneyView Application ID 119176264876
3. Applicant Details Name: Sapan
___________
Kumar Mishra

Address: Chokpotgiri,Chokpot,South
___________ Garo Hills,Cho
kpot Bazar
Chokpot Bazar, Meghalaya - 794005
Occupation: ___________
Salaried

Date of Birth:___________
1978-06-06

PAN Number: DMTPM6737E

___________

Mobile: ___________
+918413975705

Email Id: ___________

msapan9@gmail.com
4. Purpose Personal
5. Rate of Interest ______% p.a
36.00
6. Set-Up Fee 0.00
7. Processing Fee* As per amount
specified at sign up
8. Loan Amount ___________
50000
9. Tenure 18
10. Disbursement Mode Bank account
11. Overdue Interest Rate 2% additional interest per month on overdue EMI
amount till the date of payment of the due EMI
12. EMI Due Date On the 5th of the month
13. Mode of Loan Payment NACH
14. Prepayment Charges 6 months minimum lock-in for loan tenure upto
18 months,
 ―――――――――――――――――――――――――――――――――――――――――
12 months minimum lock-in for the loan tenure
greater than 18 months.

15. NACH Bounce Charges Rs. 500/- Per Dishonor

16. Down Payment 0.00
* Fee charged by MoneyView towards services provided through its Platform in relation to aforesaid loan facility

Final loan sanction is subject to legal, technical, and financial verification. Upon final sanction, the loan
facility shall be subject to the Standard Terms and Conditions.
Your Sincerely

For Kisetsu Saison Finance (India) Private Limited

(This is a computer-generated document. No signature is required.)

For Kisetsu Saison Finance ( India ) Pvt Ltd

Authorised signatory

"The interest rate policy of Kisetsu Saison Finance (India) Private Limited is made available on the website of the Company for
Customer’s reference: https://regulatory.creditsaison.in/interest-rate-policy”
 !"#$%&'($)*""($

Date: Lender's Name: Applicant Name:

KISETSU SAISON FINANCE (INDIA) PRIVATE LIMITED Sapan Kumar Mishra

S.no Parameter Details

(i) Loan Reference No. MV119176264876

Loan amount (&+,-.($/012-31"/4(,$2"$/012-31"/$(,$(*"$ 50000.00

(ii)
2,33,5"3) (in Rupees)
(iii) Rate of Interest (% p.a.) 36.00 %

Total interest charge during the entire tenure of the loan 15430.00
(iv) (in Rupees)
Other up-front charges (break-up of each component to
be given below) (in Rupees)

a) Processing fees (in Rupees) 2773.00

(v) b) Insurance charges (in Rupees) 0.00

c) Broken Period Interest (BPI) (in Rupees) 0.00

d) Others (if any) (in Rupees) 0.0

(vi) Net disbursed amount ((ii)-(v)) (in Rupees) 47227.00

(vii) Mode of disbursement 47227.0 will be transferred to your account

Total amount to be paid by the borrower (sum of (ii), 68203.00

(viii) (iv) and (v - (a), (b) & (d))) (in Rupees)

6..-&7$8"3'".(&9"$:&(" - Effective annualized interest 44.21 %

(ix) rate (in percentage) (computed on net disbursed amount
using IRR approach and reducing balance method)

(x) ;".,3$,<$(*"$=,&.$>0.$+,.(*14/&#1? 18 Months

(xi) Repayment frequency by the borrower MONTHLY

(xii) Number of instalments of repayment 18

(xiii) Amount of each instalment of repayment (in Rupees) 3635.00

Details about Contingent Charges

:&("$,<$&..-&70@"/$A".&7$'*&39"1$0.$'&1"$,<$/"7&#"/$ 24%
(xiv)
A&#+".(1$>0<$&.#?

(xv) NACH/e-mandate bounce charges 500.00

(xvi) Rate of annualized other penal charges (if any)

 Other disclosure
,,70.9$, 47,, -A$A"30,/$/-30.9$5*0'*$2,33,5"3$1*&77$
(xvii)
.,($2"$'*&39"/$&.#$A".&7(#$,.$A3"A&#+".($,<$7,&. 3 days*
(xviii) =,' 0.$8"30,/ 6 months lock in for tenure upto 18 months
12 months lock in for > 18 months

(xix) $ -"$ &(" 5th of every month

(xx) 8-3A,1"$,<$=,&. Household Expenses

"(&071$,<$=)8$&' .9$&1$3"', "3#$&9".($&./$&-(*,30@"/$ Whizdm Innovations Private Limited

(xxi)
(,$&AA3,&'*$(*"$2,33,5"3 (“Moneyview”)
(xxii) &+" $/"109.& ,. $&//3"11$&./$A*,."$.-+2"3$,<$
Venkatraman Narayan
.,/&7$930" &.'"$3"/3"11&7$, '"3$/"109.&("/$1A"'0 '&77#$ 080 4569 2002
(,$/"&7$50(*$%0.;"'*4$/090(&7$7"./0.9$3"7&("/$',+A7&0.(14$ Moneyview, 2nd Floor, The Address,
011-"1$ Kadubeesanahalli, Bangalore, 560087
grievance@moneyview.in

KISETSU SAISON FINANCE (INDIA)

PRIVATE LIMITED GRO details
GRO Name: Preethi Nair
Contact number: 9962003070
Email: grievance@creditsaison-in.com,
preethi.nair@creditsaison-in.com

The collection and recovery activities shall be carried on by the Lending Service Provider in accordance with the
Collection Code of Conduct prescribed by the lender.

• Please refer to Money View Privacy Policy at https://moneyview.in/privacy-policy-loans.

• Please refer to EMI Calculator details at https://moneyview.in/emi-calculator/personal-loan-emi- calculator
• Net Disbursement and other details as mentioned above in KFS may vary basis actual disbursement date.
• *Cancellation during cooling-off period is subject to charges (between Rs 500 to Rs 3000 - depending on the loan amount)