Custom Application

Stamp Duty ₹150.
00
Certificate No. IN-DL23859038865089W
Account Ref. No. SHCIL01 (CR)/ dlshcil10/ JANPATH/ DL-DLH
Issued On 05-01-2024
Issued By SHCIL
Stamp mode e-Stamp Certificate
State Delhi
Party Details
First Party Piramal Capital And Housing Finance Ltd
Second Party SUBHASH CHAND
Stamp Duty Paid By Piramal Capital And Housing Finance Ltd
Purchased By Piramal Capital And Housing Finance Ltd
Document Type Article Car Loan/ Loan Agreement
Description Loan Agreement
Additional Details
Consideration Amount ₹150 .00
Document Reference No.
Note
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Stamp Ref No: IN-DL23859038865089W
Loan Agreement
This Loan Agreement including the Schedules, Annexures attached hereto (the “Agreement”)
is executed at the place and on the date as mentioned in Serial No. 1 and Serial No.2 of the
Schedule hereto respectively:
BETWEEN
The Lender as detailed in the Schedule hereto (hereinafter referred to as “Lender”, which
expression shall, unless repugnant to the context or meaning thereof, be deemed to mean
and include its successors and assigns) of the One Part;
AND
The Borrower as detailed in Schedule hereto (the “Borrower” which expression shall,
unless repugnant to the context be deemed to mean and include his/her legal heirs,
successors, executors, administrators, permitted assigns and legal representatives) of
the Other Part.
(The Borrower and the Lender are hereinafter collectively referred to as “Parties” and
individually as “Party”.)
WHEREAS The Borrower have approached the Lender with a request to grant the Loan
(defined below) to the Borrower and the Lender has agreed to lend to the Borrower the
Loan on certain terms and conditions as provided in this Agreement with the
documentation and communication being communicated electronically.
1. DEFINITIONS AND REFERENCE TERMS

The following words/expressions shall carry the meaning ascribed to them throughout
the Agreement unless otherwise stated.
1. “Additional Charges” means the charges as mentioned in the Schedule hereto
at which the Lender shall compute and apply the charges in the event of Borrower’
s failure to comply with any of the terms and conditions of the Transaction
Documents for the period beginning the date of such non-compliance until the
same is cured to the satisfaction of the Lender and such Additional Charges shall
be in addition to the applicable Interest and /or Default Interest.
2. “Borrower” means a person (details whereof as mentioned in the Schedule
hereto), to whom the Loan has been sanctioned and/or disbursed by the Lender.
The expression Borrower shall include his/her heirs, executors, administrators
and legal representatives respectively.
3. “CIC” means credit information companies registered under the Credit Information
Companies (Regulations) Act, 2005.
4. “Data Protection Law” means all applicable statutes and regulations pertaining
to the processing of Personal Data, including but not limited to the privacy and
security of Personal Data.
5. “Default Interest” means the rate of interest mentioned in the Schedule
hereunder, at which the Lender shall compute and apply interest in the event of
Borrower’s failure to pay the Instalment under this Agreement , on the respective
due date and such Default Interest shall be in addition to the applicable Interest.
6.
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6. “Instalment” means the amount comprising of the Loan Amount & Interest, the
Borrower is required to pay to the Lender on the respective due date under this
Agreement to amortize the Loan with interest, during the Repayment period of the
Loan and as described in the Schedule.
7. “Fixed Rate of Interest” means the fixed rate of interest applicable to the Loan,
as set out in the Sanction Letter and Schedule hereto.
8. “Loan” or “Loan Amount” means the loan provided by the Lender and as
detailed in Sanction Letter & Schedule hereto.
9. “NACH” means National Automated Clearing House implemented by the National
Payments Corporation of India for Banks, Financial Institutions a web based
solution to facilitate interbank, high volume, electronic transactions which are
repetitive and periodic in nature.
10. “Other Charges” means but shall not be limited to stamp duty, pre-payment
charges, levies, cheque bouncing charges, incidental and other charges/fees and
other administrative expenses, liquidated damages, Default Interest, Additional
Charges, any Tax levied by/payable to any Governmental Authority and other
dues payable by the Borrower from time to time. It shall also include the
expenses incurred by Lender in recovering its dues, besides any out of pocket
expenses and as more particularly mentioned in the Schedule hereto.
11. “Outstanding Amount” means and includes the loan amount outstanding at any
point of time, including principal loan amount, interest, costs, Fee, Other Charges,
expenses, etc.
12. “Personal Data” shall mean personal data of the Borrower including sensitive
personal data as may be defined under Data Protection Law.
13. “Pre-Payment" means the premature repayment of the entire Loan including the
Rate of Interest, Fee, and other charges, according to the terms as detailed in this
Agreement, through any mode as approved by the Lender.
14. “RBI” means Reserve Bank of India
15. “Sanction Letter” means the letter issued by the Lender sanctioning the Loan
along with the relevant particulars, Agreement mentioned in the same.
16. “Transaction Documents” means any of the following as the context may
require, i.e. this Agreement, Sanction Letter or any other document executed by
the Borrower in favour of Lender.
2. INTERPRETATION
1. the singular includes the plural (and vice versa) and words denoting one gender
shall include all genders;
2. all capitalized terms used but not specifically defined herein shall have the
respective meaning ascribed to them under the , Sanction Letter and other
clauses in this Agreement
3. LOAN, INTEREST, TAXES ETC.

1. At the request of the Borrower, the Lender agrees to extend the Loan to the
Borrower and the Borrower hereby agree to avail from the Lender the Loan for
the purpose as detailed in the Borrower’s Application Form (Purpose) on the
terms and conditions contained in the present Loan Agreement.
2. The Loan Term shall be the period as stated in the Schedule or the period as
revised/increased by Lender, from time to time, at its sole discretion, or due to
any regulatory scheme or package and/or any other reason as the Lender may
deem fit (hereinafter referred to as the “Loan Term”)
3. Rate of Interest
1. The Borrower shall be liable to pay interest on the Loan at such rate as
specified in the Schedule hereto (“Rate of Interest”). The Rate of Interest
mentioned in the Schedule is a fixed rate. Provided that the Lender shall,
subject to applicable directives of the RBI/ NHB, be entitled to revise the
Rate of Interest at its sole discretion. Any such change in the Rate of
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Interest shall be prospective in nature, i.e., such revised Rate of Interest

shall be levied on and from the date such change has been made to the
Rate of Interest.
2. Interest shall be computed on the basis of a year of three hundred and sixty
(360) days for broken period of month and on the basis of a year of twelve
(12) months for full month. If the Instalment is to be paid in the frequency of
less than a month then the interest shall be calculated on the actual number
of days for the said month.
3. Interest shall begin to accrue in favour of the Lender as and from the date
of Disbursement.
4. Any delay or default in payment of Instalment besides constituting an Event
of Default, shall render the Borrower liable to pay to Lender, Default Interest
(for the period of such default) on the defaulted amount.
5. The Borrower acknowledge and agree that (i) the rates of interest specified
in the Schedule hereto is reasonable and that they represent genuine pre-
estimates of the loss expected to be incurred by the Lenders in the event of
non-payment of any monies by the Borrower; and (ii) the rate of interest
payable by the Borrower shall be subject to change prospectively based on
the monetary policies as may be changed by the Reserve Bank of India and
other factors impacting the interest rates, such changes shall be duly
communicated to the Borrower.
6. The Borrower confirms that the Borrower has perused and understood the
manner of calculation of the Interest, Default Interest, Additional Interest,
Instalments and any other costs/charges payable with respect to the Loan,
and the Borrower is satisfied that the same is not anti-competitive, usurious,
unreasonable, discriminatory, predatory, or otherwise amounting to
profiteering or acts of uncommercial or in breach of Applicable Law.
7. The Agreement entered into between the Lender and the Borrower is purely
a financial arrangement, and the Lender shall not be liable to the Borrower
for any liability, claim, loss or expense of any kind caused directly or
indirectly to the Borrower.
4. Disbursement of Loan
1. A Disbursement under these Agreement shall mean any payment of the
Loan Amount, or any part thereof, made by the Lender to the Borrower via
RTGS transfer/ NEFT/ DD/ electronic mode of payments or by cheque in
duly crossed and marked "A/c Payee Only" and the charges, if any, in
respect of all such mode of payments shall be borne by the Borrower.
2. Notwithstanding anything contained in this Agreement, Interest shall begin
to accrue in favour of the Lender as and from the date of the disbursement
of the Loan. Disbursements shall be deemed to have been made to the
Borrower on the date of the cheque or pay order, or on the date on which
the Loan amount is transferred by the Lender to the designated account by
RTGS/NEFT as the case may be. Interest on the Loan will begin to accrue
in favour of the Lender from the date of cheque or pay order or the date of
the RTGS/NEFT as the case may be, irrespective of the time taken in transit
/collection/realization of the cheque by the Borrower or the payee of such
cheque.
3. The Loan Amount, or any part thereof, shall be disbursed to the Borrower’s
account as requested by the Borrower and agreed by Lender. The Lender
at its sole discretion may not disburse at any time, any further amount
under the Loan, unless the conditions stipulated in Sanction Letter and/or
as mentioned hereto are complied with the Borrower to the satisfaction of
the Lender & the Lender reserves the right to revoke, cancel the Loan and
/or vary, modify, amend at any time the Agreement of the Loan with such
notice to the Borrower.
4. Any disbursal request made by the Borrower shall form an integral part of
this Agreement. The Borrower undertakes to acknowledge the receipt of
Disbursement in the form acceptable to Lender.
5.
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5. Lender shall be entitled, at its sole discretion, to advance or postpone any

Disbursement, either at the request of the Borrower, or otherwise.
4. PAYMENTS
1. Repayment
1. The Borrower shall at all times maintain sufficient funds in his/ her bank
account(s) to ensure that the payment instruments issued by the Borrower
are not dishonored and the instalments are received and realized by the
Lender on the applicable maturity dates or other due dates.
2. The Borrower shall repay the Loan along with interest to Lender in such
number of Installment and on the due date(s) as is specified in the
Schedule hereto. Lender shall be entitled to vary/modify the number of
Installment or increase/ decrease the amount payable for one or more
Installment in the event of change to the applicable Rate of Interest on the
Loan or change in the Loan amount or due to any regulatory scheme or
package and/or any other reason as the Lender may deem fit. For the
purpose of this clause and repayment of the Installment, the term Due Date
shall mean: (i) in case the disbursement of Loan is done on or before 20th
of a month, then Due Date for repayment of Installment shall be or 5th day
or 10th day of the immediately succeeding month; (ii) If the Loan is
disbursed after 20th of a month, then the Due Date shall be 5th day or 10th
day of the month subsequent to the immediately succeeding month and (iii)
any date as specified in the Repayment Schedule. It is further clarified that,
interest on Loan will begin to accrue in favour of the Lender on and from the
date of Disbursement. If the respective Due Date is not a Business Day,
then the Borrower agrees that the payment shall be made on the preceding
Business Day.
3. All payments to be made by the Borrower to the Lender herein shall be
made by electronic instruction or ECS or NACH or any other mode or
instrument permitted by Lender (collectively “Payment Instrument”) and in
the event the Lender permits to make it through the cheques then the
Borrower shall provide the SPDCs as required by the Lender and the same
shall be duly crossed and marked “A/C Payee only” and the collection
charges, if any, in respect of all such cheques will begin to accrue in favour
of Lender as and from the date of issuance of the cheque irrespective of the
time for transit/collection/realization/ of the cheque by the Borrower or his
bank. In case of any payment(s) made by cheque(s) by the Borrower to the
Lender, in order to determine the point of time as to when the payment has
been made, the payment shall be deemed to have been made at point of
time when the money is credited to the bank account of the Lender after
realization of such cheque. The Borrower agree/s to replace /issue fresh
cheques if required by the Lender.
4. The Lender shall not be required to give any notice, reminder or intimation
to the Borrower regarding their obligation in respect of Borrower’s dues and
it shall be the Borrower’s responsibility to ensure prompt and regular
payments to the Lender. Installments shall be rounded off to the next higher
Rupee.
5. Lender shall, as it may deem appropriate and necessary, be entitled to
require the payment and/or collection of the Outstanding Amount from the
Borrower as expressed hereto. The Borrower expressly recognizes and
accepts that the Lender shall, without prejudice to its right to perform such
activities itself or through its officers/ affiliates or group companies or
representatives, be absolutely entitled and have full powers and authority to
appoint one or more third parties of the Lender’s choice and to transfer and
delegate to such third parties the right to collect on behalf of the Lender all
amounts hereunder and to perform, execute, acts, deeds, matters and
things connected therewith or incidental therewith including sending notice
of demand, attending the residence or office of the Borrower or otherwise
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contacting the Borrower, receiving the Borrower, entering into a

compromise with the Borrower, giving a valid receipt and granting effectual
discharge to the Borrower and generally perform all lawful acts as the third
parties may consider appropriate for the purpose.
6. The Borrower shall not cancel or issue stop-payment instructions with
respect to the Electronic Clearing System (Debit Clearing) or the National
Automated Clearing House (NACH) mandates or any SPDCs given by the
Borrower in favour of the Lender for so long as the Loan (or any part of the
Borrower’ dues) is outstanding and any such acts of the Borrower shall
constitute an Event of Default and shall entitle the Lender to initiate
appropriate legal proceedings against the Borrower in terms of the
applicable laws. The Borrower hereby agrees and confirms that in case of
failure by the Borrower to make payment of any part of the Outstanding
Amount of the , NACH (including e-NACH)/ cheques/SPDCs can be
invoked anytime without prior intimation to the Borrower, to ensure that the
Borrower’s loan account with the Lender remains standard or the entire
Outstanding Amount is repaid in full.
7. The Borrower hereby agrees, confirms and undertakes to replenish/ renew
the Repayment mode/ mandate (NACH or electronic funds transfer) after
the NACH mandate provided by the Borrower expires. The Borrower further
agrees and undertakes to submit new set of NACH documents for the
repayment as and when called upon to do so by the Lender. In case the
Borrower does not replenish/ renew the Repayment mode on time,
Additional Charges as mentioned in the Schedule hereto shall be levied on
the Borrower.
8. Borrower shall promptly replace/replenish the SPDCs the mandates and/or
other documents executed for payment of the Installments and issue fresh
mandates, and/or other documents in lieu thereof to the satisfaction of
Lender, if Lender is facing any difficulty for any reasons whatsoever in
presenting such cheques/issuing debit instructions or if required at any time
by Lender at its sole discretion.
9. The Borrower hereby undertakes to pay, in addition to the Instalment or any
other sums due hereunder, all duties, Taxes, costs, imposts and statutory
levies and such other charges that may be imposed by the Government or
statutory authorities from time to time pertaining to or in connection with all
sums due under this Agreement. Additionally, the Borrower shall pay any
interest, penalty, or other sums incurred by the Lender for defending or
pursuing any claim, in respect of any Taxes, stamp duty forthwith upon
demand by Lender. Further, the Borrower agrees, undertakes and
covenants with Lender, to reimburse or pay to Lender, such amount as may
have been paid or become payable by Lender, to any Government
Authority, on account of any Tax and/or Other Charges levied on Interest
/Default Interest/penalties/processing fees paid by the Borrower (including
any Interest on any Instalment on the Loan), by any Government Authority.
The reimbursement or payment shall be made by the Borrower as and
when called upon to do so by Lender or by such Government Authority.
10. Notwithstanding the Repayment of the Loan Amount and Interest in
Instalments or payment of Default Interest, if applicable and Other Charges
in the manner as stipulated herein, the Borrower shall remain liable to pay
all Outstanding Amount after adjustment of the above Repayments.
2. Prepayment
1. Subject to such terms and conditions as may be stipulated by the Lender
including payment of minimum prepayment amount, prepayment charges
and/or any other charges, plus applicable interest tax or other statutory levy
as stated in Schedule, the Borrower may prepay the outstanding principal
amount of the Loan (together with all outstanding interest and other
charges and monies payable thereon in full or in part), before the due
dates. In the event any part prepayment of the Loan is permitted by Lender,
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the Repayment Schedule/amount of Installment(s) shall be amended by

Lender and the Borrower shall thereafter make payment of the Installments
as per such amended schedule. Any such prepayment shall take effect only
after such pre-payment have been cleared in favour of Lender’s account
and also payment of pre-payment charges as specified in the Schedule to
this Agreement.
3. Termination or expiration of this Agreement for any reason shall not relieve the
Borrower from any liabilities or obligations set forth in this Agreement which (i) the
Borrower has expressly agreed shall survive such termination or expiration; or (ii)
remain to be performed or by their nature would be intended to survive such
termination or expiration.
4. Application of Payments and Realization
The Lender shall be entitled to receive and apply/adjust/appropriate amount that
the Lender may receive under any payments, pre-payment and realizations,
including any realization received from any insurance company against amounts
payable under this Agreement & any of the loans or advances availed by the
Borrower form the Lender including any affiliates of the Lender without affecting
the Borrower’s obligations under the Agreement. If such application/adjustment
/appropriation result in part Repayment of the Loan, the repayment schedule be
suitably modified by Lender and the Borrower shall thereafter pay the Instalment
as per the modified repayment schedule as conveyed to the Borrower.
5. Appropriation of Payments
1. Unless otherwise agreed by the Lender, any payment due and payable
under this Agreement and made by the Borrower will be appropriated
towards such dues in the order, namely:
1. costs, charges, expenses, incidental charges and other moneys that
may have been expended by Lender in connection with the recovery
of the Outstanding Amount;
2. Default Interest;
3. Prepayment charge, Additional Charges, liquidated damages on
defaulted amounts; if any and fees, any other applicable charges as
mentioned in Other charges and/or Schedule of Fees and Charges;
4. Interest;
5. outstanding principal Loan Amount ; and
6. towards payment of any other sum then due but unpaid under any
other transaction documents entered into by the Borrower or any of
its group companies (in case of the Borrower being a non-individual),
with the Lender or any other group companies of the Lender.
2. Notwithstanding anything mentioned above, the Lender may, at its absolute
discretion appropriate any payment in any manner towards its dues,
payable by the Borrower under this Agreement.
6. Set-off and Counterclaim
All payments made by the Borrower under this Agreement shall be made without
any deduction, set off or counterclaim other than any deduction which is required
mandatorily under any law.
7. Continuation of Liability of Borrower by the Legal heir(s) of the Borrower
Where the Borrower being an individual dies during the pendency of the Loan, the
obligations of the deceased Borrower under this Agreement and the Transaction
Documents and any other documents executed with respect to the Loan shall
devolve upon the legal heir(s) representatives, assignees, successors, nominees
of the said deceased Borrower, as if they were executed by the legal heir(s)
/representative(s)/assignees/ successors/ nominees of the deceased Borrower
5. COVENANTS & UNDERTAKING

1. The Borrower shall comply with the following requirements:
1. Promptly give written notice to the Lender of
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1.
1. any material circumstances affecting the ability of the Borrower to

repay the Loan in the manner stipulated hereunder or compliance
with the obligations under this Agreement including any change in/
termination of employment, business or profession for any reason,
any strikes, lock-outs, shut down or similar activity affecting the
business of the Borrower or any event which may/ have caused an
Event of Default.
2. Any arrears payable to government or any public/local authority such
as income tax, corporation tax and all other taxes and revenues.
3. Any change in the employment, business or profession as the case
may be, by way of termination, retirement, ceasing, suspension,
internal transfer to other locations for any reasons whatsoever.
4. any change in the residential / office address, communication details
as well as any change in the bank account through which the
Borrower has issued the Repayment Instrument and related
instructions.
2. Continue to allow salary and / or business proceeds to be deposited in the
account from which repayment instrument have been issued to the Lender
and/or standing instructions have been issued to the Lender for debit from
the Borrower’s account for repayment of Loan and the Borrower shall not
change the salary account and/or the business and/or profession without
the prior written permission of the Lender.
3. The Borrower shall ensure that no part of the Loan shall be utilized for any
illegal purposes and/or immoral activities, gambling, lottery, races and
activities speculative in nature and/or such other activities of similar nature.
The Borrower shall utilize the entire Loan Amount solely for the Purpose as
mentioned in the Application Form and no other purpose whatsoever.
4. The Borrower shall not change/cancel the NACH mandate/close the bank
account against which any PDC/NACH mandate have been issued to the
Lender in respect to Repayment of dues under this Agreement. In case the
Borrower does cancel the NACH mandate or close the said bank account,
he shall ensure that an alternative payment mode is made available to the
Lender so as to secure regular payment of his dues.
5. The Borrower acknowledges and accepts the rates of interest and its
calculation method, other fees, charges and all other amounts payable as
per the terms of this Agreement as reasonable and the Borrower has
understood the meaning of each terms and financial implications, amounts
payable and liabilities and obligations created under these Agreement.
6. BORROWER’S REPRESENTATIONS AND WARRANTIES

With a view to induce the Lender to grant the Loan, the Borrower hereby represents
/warrants to undertake/warrants as follows:
1. The Borrower confirms the accuracy, authenticity and legal validity of the
information, documents, statements provided by him/her/them, to the Lender in
any form or means including acceptance in digital journey, or otherwise during the
subsistence of this Agreement/Loan, and any prior or subsequent information or
explanation given to Lender in this behalf. Any such information/document
/statement in possession of Lender shall be deemed to have been given by the
Borrower.
2. That the Borrower (i) is a major, (ii) of sound mind & understands English
language and is competent to contract and enter into and perform his/her/its
obligations under this Agreement and all documents hereunder, as required, will
be valid and binding obligations of the Borrower and enforceable in accordance
with their respective terms.
3. That the Borrower does/do not violate any covenants, conditions and stipulations
under any existing Agreement entered into by the Borrower with the Lender or
any third party, by availing the Loan from the Lender.
4. The Borrower understands that for accessing eligibility, Lender may ask for
certain Personal Data of the Borrower. Borrower hereby expressly and
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4. Stamp Ref No: IN-DL23859038865089W
irrevocably authorizes the Lender to collect, store, share, obtain, disclose and
authenticate any aspect of my personal information CKYC/ KYC either directly or
through any of the authorized agencies and/ or statutory authorities like UIDAI. In
this regard, Borrower expressly and irrevocably authorizes the Lender to collect,
use, share, store, verify and authenticate Borrower’s personal identity information
/ KYC in any manner without any notice to the Borrower for comprehensive credit
profiling and as required by law.
5. That there is no action, suit, proceeding or investigation pending or to the
knowledge of the Borrower threatened by or against the Borrower or the property
of the Borrower before any Court of law or Government authority or any other
competent authority which might have a material effect on the financial and other
affairs of the Borrower or which might put into question the validity, enforceability
or performance of this Agreement or any of the Agreement contained in any of
the Transaction Documents.
6. The Borrower shall give repayment instrument for the complete repayment of the
Loan being fully aware of the fact that dishonor of any Repayment Instrument is a
criminal offence under the Negotiable Instruments Act, 1881/The Payment and
Settlements Act, 2007 (as may be applicable). No notice reminder or intimation
will be given regarding the presentation of the repayment instruments by the
Lender. Such Repayment Instrument shall be drawn from such bank and such
location as agreed to by the Lender.
7. The Borrower shall at all times abide by the laws in India, and in particular,
provisions of the Prevention of Money Laundering Act, 2002. The Borrower’s
obligations under the Transaction Documents are valid, binding and enforceable.
8. The Borrower has not taken any other loan, advance, facility or debt or issued
any guarantee other than as disclosed to the Lender. The Borrower is neither a
party to any litigation nor is aware of any facts likely to give rise to any litigation
resulting in material claims against the Borrower.
9. Each of the representations set out in Section 6.1 shall be deemed to be repeated
on each day during the Tenure of the Loan.
7. RIGHT OF LIEN AND SET-OFF

1. The Borrower hereby agrees, confirms and undertakes that Lender during the
currency of the Loan, shall have a first and exclusive charge over all the movable
& immovable properties of every description coming into their possession on
account of the Borrower for the time being held by Lender on behalf of the
Borrower or any one of them whether singly or jointly with others in India or
elsewhere. The Lender shall be entitled to appropriate/adjust Outstanding
Amount under this Agreement against any of the security of the Borrower created
in favour of the Lender or that may subsequently come into the possession of the
Lender from time to time or at any time.
2. Any security(ies) furnished by the Borrower(s), under any other agreement
entered into or to be entered into with the Lender, including its subsidiaries shall
be deemed to be the security(ies) under this Loan Agreement. Further the
Borrower(s) agree(s) that the security(ies) offered in respect of this Loan shall be
deemed to be continuing security(ies) in respect of other loan(s)/facility(ies)
obtained/to be obtained by the Borrower(s) from the Lender and shall not be
discharged till such time all the loan(s)/facility(ies) are fully discharged to the
satisfaction of the Lender.
8. EVENTS OF DEFAULT AND REMEDIES

1. An Event of Default shall be deemed to have occurred under this Agreement, if:
1. Default in or non-payment of Outstanding Amount or Instalment due in full
or any other dues under this Agreement, on or before the due date as
provided in this Agreement
2. Non-performance of any covenant, conditions or Agreement on the part of
the Borrower under this Agreement or Transaction Documents executed in
favour of Lender in respect of this Loan.
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3. Any information given by the Borrower or financials provided to Lender, and

/or any other document/ certificate/receipt/statement, to Lender for financial
assistance is found to be misleading or incorrect in any material respect or
any warranty referred to in Borrower’s Representations and Warranties is
found to be incorrect.
4. If the Borrower misuses the Loan Amount or any part thereof for any
purpose other than the Purpose for which the Loan has been sanctioned or
if the Purpose for which the Loan has been obtained becomes illegal on
account of any promulgation, amendment, modification or re-enactment of
any statute, notification, circular or order of the regulatory authority, Court
etc.
5. Cross Default: The Borrower defaults in payment of, or commits any event
of default under any other loan availed by it from the Lender or any other
lender, or any encumbrance over any of its assets becomes enforceable, or
any other lender of the Borrower for any reason becomes entitled to
accelerate debts due under its loan, or to cancel or suspend its
commitments. If there is a reasonable apprehension that the Borrower is
unable to pay his/her/their other debts.
6. If the Borrower becomes the bankrupt and insolvent
7. Dishonour of any payment instructions provided under this Agreement/any
instructions given by the Borrower for stopping payment of any mode under
this Agreement or instructions to the Lender not to present any NACH
mandate or cancellation of NACH mandate.
8. On the lunacy or other disability of the Borrower.
9. Death of the Borrower: If the Borrower dies and the legal heirs, successor
and assigns of the Borrower do not or for any other reason whatsoever
agreeing to substitute themselves in place of the deceased Borrower within
the time as stipulated by the Lender in its sole discretion.
10. If any other event has occurred which in the opinion of the Lender
jeopardizes its interest or would make it difficult for the Lender to recover
the Loan, if timely action is not taken
11. The loan will be utilized only for the purpose for which it is being sanctioned.
12. The purpose of the use of funds under the loan will not be changed during
the loan tenure.
13. The loan shall not be used for any illegal, antisocial, or speculative
purposes.
2. REMEDIES ON THE HAPPENING OF EVENT OF DEFAULT

1. If any Event of Default or any event which, after the notice or lapse of time
or both would constitute an Event of Default shall have happened, the
Borrower shall forthwith give Lender notice thereof in writing specifying
such Event(s) of Default, or such event and thereupon the entire
Outstanding Amount shall become due and payable forthwith and the
Lender shall be entitled to enforce and recover the Loan with interest,
Default Interest and all other amounts due and payable under this
Agreement.
2. Notwithstanding anything to the contrary in this Agreement, Lender’s right
to recall the Loan shall be without prejudice and in addition to the right to
charge Default Interest and/or Interest.
3. Upon the occurrence of anyone or more of the Events of Default, the
Lender through its officers, agents, attorneys, nominees etc. shall have the
right (without prejudice to any other rights under this Agreement) to take
anyone or more than one of the following actions without specific
intervention of the Court or any Court order
1. Charge Default Interest.
2. any other applicable charges including bounce charges or charges
levied by the banks or government authority.
3. Revise the applicable Interest Rate.
4. Levy Additional Charges
5.
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5. Without prejudice to the aforesaid right, Lender may take recourse to

any other remedy as provided in Law, and/or as may be deemed fit
by Lender.
6. In case of default or potential Event of Default by the Borrower,
without prejudice to the rights of the Lender shall be entitled to
communicate to/with any person(s) with a view to receive assistance
of such person(s) in recovering the defaulted amount.
3. Upon the occurrence of an Event of Default, the Lender and/or any of its group
companies (including any subsidiaries of the Lender) are authorised at any time,
without presentment, demand, protest or other notice of any kind to the Borrower
or to any other person, any such notice being expressly waived, to set off and to
appropriate and apply any and all monies lying or deposited or held by the Lender
and/or any of its group companies (including any subsidiaries of the Lender).
4. The Borrower agrees that if the Borrower commits any breach of any provision of
this Agreement or any default or delay in the repayment of the Loan or any
amount payable under this Agreement whatsoever which the Borrowers is liable
to pay, the Lender shall have the unqualified right to disclose or publish the
Borrower’s name and particulars (including photographs and particulars of
accounts), as a defaulter in such manner as the Bank may deem fit.
5. All costs including legal cost/lawyer’s fees incurred by Lender after an Event of
Default has occurred in connection with preservation of the Borrower’s assets and
/or collection of amounts due under this Agreement may be charged to the
Borrower and be reimbursed to Lender by Borrower, as Lender shall specify.
6. Issue of certificates
The Lender may issue any certificate as regards payment of any amounts paid by
the Borrower to the Lender in terms of this Agreement only if the Borrower has
paid all amounts due under the Agreement to the Lender and the Borrower has
complied with all the terms of this Agreement.
7. Waiver
No delay in exercising or omission to exercise, any right, power or remedy
accruing to Lender upon any breach or default by the Borrower under this
Agreement or any other document, shall impair any such right, power or remedy
of Lender, or shall be construed to be a waiver thereof or any acquiescence by it
in any default, affect or impair any right, power or remedy of Lender in respect of
any other default.
9. ASSIGNMENT
The Borrower shall not be entitled to transfer or assign the Loan. The Borrower
expressly recognizes and accepts that the Lender shall be absolutely entitled and shall
have full power and authority in respect of the Loan to sell, assign or transfer in any
manner, in whole or in part, and in such manner and on such terms as the Lender may
decide, including reserving a right to the Lender to retain its power hereunder to
proceed against the Borrower jointly or severally with such 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 written intimation to the Borrower. In
such event, the Borrower shall substitute the remaining Repayment Instruments in
favour of the transferee/ assignee if called upon to do so by the Lender. Any such
action and any such sale, assignment 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 pay over such outstandings and dues to such third party
and/or to the Lender as the Lender may direct.
10. CONFIDENTIALITY
1. The Lender shall exercise care while handling any confidential information.
However, the Borrower acknowledges and accepts that the Lender shall be
entitled to disclose information (i) to the Lender’s affiliates, (ii) to prospective
transferees or purchasers of any interest in the Loan, (iii) as required by law or
any government order or direction including disclosure as maybe necessary to
10/39
perform or fulfill any requirement specified by the RBI, (iv) as deemed necessary
by the Lender while exercising its remedies under the Transaction Documents.
the Lender shall also be entitled to disclosure without any notice to the Borrower
all or any information/documents or the data including but not limited (a)
information and data relating to the Borrower; (b) the information or data relating
to any credit facility availed of/to be availed by the Borrower; (c) default, if any,
committed by the Borrower, for protecting its interests to Income Tax authorities,
Credit Rating Agencies or any other Government or any other Regulatory
Authorities/Bodies/ Departments/authorities as and when so demanded. The
Borrower hereby specifically waives the privilege of privacy and defamation.
11. FURTHER ASSURANCES

1. The Borrower undertakes to indemnify and keep the Lender indemnified in
respect of all statements, representations, warranties and undertaking made by
the Borrower’s in this Agreement and any other documents submitted by him/her.
2. In addition to the obligations and documents which the Lender expressly require
the Borrower to execute, deliver and perform, the Borrower shall execute, deliver
and perform, such further acts or documents which the Lender may reasonably
require to effectuate the purposes of this Agreement or any of the other
Transaction Documents.
12. NOTICE
1. All notices or other communications under or in connection with the Borrower’s
dues and/or the Agreement will be deemed to be effective when delivered
personally or if dispatched by post, the third day from the date of dispatch or if
sent through an e-mail/mobile number when sent. Provided, however, that no
notice or communication to Lender shall be effective unless actually received and
acknowledged by Lender. Notices or communication may be made to such other
address as may be designated by the Borrower and Lender in writing to each
other. In the event of any failure by the Borrower to notify Lender in writing of any
changes in his/her/their contact address or details, service of a notice
/correspondence to the address specified hereto shall be deemed to be proper
and sufficient service on the Borrower irrespective of whether or not such notice
shall be returned “unserved/ undelivered” to Lender.
2. Further, the Borrower agree that any instruction issued by him/ them OR any
communication received by him/ them from the Lender through any of the
following modes of communications shall be construed as request, instruction,
acceptance, acknowledgment, notice, delivery of notice, as the case may be,
under this Agreement:
1. Any notification, message, instruction, acknowledgement, communication
or acceptance sent from or received on the Email address, Mobile Number
of the Borrower registered with the Lender as mentioned in the Schedule
hereto;
2. Any notification, message, instruction, acknowledgement, communication
or acceptance sent on the mobile application managed and operated by the
Lender or its group companies/affiliates, business partners and accessible
by the Borrower.
3. Further, where the Lender is facing any difficulty in providing a notice to the
Borrower, the Borrower authorize the Lender to provide such notice to the
‘reference’, details of whom are provided in the , or to any other family, friend or
place of work. Any expenses incurred by the Lender for sending any notices to
the Borrower shall be borne by the Borrower. The Lender may exercise this
option at its sole discretion, and nothing herein shall be construed to compel the
Lender to provide notices in such manner.
13. CONSENT TO DISCLOSURE

1. The Borrower understand that as a pre-condition relating to grant of Loan to the
Borrower the Lender requires the consent of the Borrower for disclosure by the
Lender of information and data relating to Borrower, of the Loan availed/be
11/39
1.
availed of by Borrower, obligations assumed/to be assumed by Borrower in

relation thereto and default if any, committed by Borrower, in discharge thereof.
2. Accordingly, the Borrower has no objection to the disclosure by the Lender of all
or any such,
1. information and data relating to Borrower;
2. information or data relating to any credit facility availed/to be availed by
Borrower;
3. information and data relating to obligations assumed by Borrower in relation
to the Loan/credit facility(ies) granted/to be granted the Lender ; and
4. information and data relating to default, if any committed by Borrower in the
discharge of such obligation, as the Lender may deem appropriate and
necessary to disclose and furnish to any agency as the Lender feels
appropriate and proper or as authorized by RBI.
5. default, if any, committed by the Borrower, in discharge of such obligation
as the Lender may deem appropriate and necessary to Lender group
companies/ banks/ financial institutions /agencies/ statutory bodies/ tax
authorities/CIC/NHB/CERSAI/Government Authority and any other agency
/credit bureau authorized in this behalf by RBI/NHB may deem necessary
or appropriate as may be require;
3. Notwithstanding anything to the contrary contained herein or any provisions of
any of the laws, the Borrower as a precondition of the Loan given to the Borrower
by the Lender, agrees that, in case, the Borrower commits default in the
repayment of the amount of the Loan and/or interest thereon or any of the agreed
Instalments on the Scheduled Due Date/s, the Lender and/or the Reserve Bank
of India, shall have an unqualified right to disclose or publish the name of the
Borrower as ‘defaulters’ in such manner and through such medium as the Lender
or Reserve Bank of India in their absolute discretion may think fit.
14. MISCELLANEOUS
1. The Borrower requests the Lender to rely upon, act or omit to act in accordance
with any directions, instructions and/ or other communication given in connection
with the Loan by email or other electronic means by the Borrower ("Electronic
Instruction"). The Borrower is aware that electronic communications involve
certain risks including unauthorized alteration of data and/ or unauthorized access
by third parties thereof. The Lender may (but shall not be obliged to) act as
aforesaid without inquiry as to the identity or authority of the Borrower giving or
purporting to give any Electronic Instruction or as to the authenticity of any
electronic message and may treat the same as fully authorized by and binding on
the Borrower. The Borrower hereby further agrees to indemnify the Lender and
keep them at all times indemnified from and against all actions, suits,
proceedings, costs, claims, demands, charges, expenses, losses and liabilities
howsoever arising in consequence of or in any way related to the Lender having
acted or omitted to act in accordance with or pursuant to any Electronic
Instruction.
2. Amendments This Agreement may be amended by the Lender at any time. Any
such amendment shall take effect only prospectively i.e upon the amendment of
the Agreement. However, the Lender shall upon such variation or amendment
being made, inform the Borrower in respect of any variation or amendment in the
Agreement and/or other charges as are applicable to the Loan.
3. Vernacular Language Declaration: This Agreement and other Transaction
Documents have been explained in the language known and understood by the
Borrower and the Borrower has understood the entire meaning of the various
clauses.
4. Governing Law and Jurisdiction: This Agreement, including all matters relating
to its validity, construction, performance and enforcement, shall be governed by
and construed in accordance with Indian law. The courts at the place as detailed
in the Schedule hereto shall have non-exclusive jurisdiction in relation to any
matter arising under or in connection with the Agreement or any arrangement
entered into pursuant to the Agreement. However, the Parties hereby agree,
12/39
confirm and undertake that Lender has a right to file its claim in relation to
Outstanding Amount or any other connected matter(s) as mentioned in the
Agreement in any other Court of competent jurisdiction in India at its sole
discretion
5. Dispute Resolution: Notwithstanding anything to the contrary contained herein,
any disputes, differences and / or claims or question arising out of or relating to
this contract or in any way touching or concerning the same or as to
constructions, meaning or effect thereof or as to the right, obligations and
liabilities of the parties hereunder shall be referred to and settle by arbitration, to
be held in accordance with the provision of the Arbitration and Conciliation Act,
1996, or any statutory amendments thereof administered electronically/physically,
by the sole arbitrator to be appointed by the Lender. The seat or venue of
arbitration shall be at such place as stated in the Schedule hereto, and the
language of the arbitration shall be English. The law governing the arbitration
proceedings shall be Indian Law. The decision of the arbitrator shall be final and
binding on the parties.
6. Personal Data of the Borrower: The Borrower hereby agrees that his or her
Personal Data will be collected, used, disclosed and/or processed by the Lender
and its affiliates for one or more of the following purposes:
1. administering and/or managing the relationship and/or account(s) with the
Lender;
2. carrying out due diligence or other screening activities (including
background checks) in accordance with legal or regulatory obligations or
risk management procedures (including but not limited to those designed to
combat financial crime, “know-your customer”, anti-money laundering,
counter-terrorist financing or anti-bribery), that may be required by law or
that may have been put in place by the Lender;
3. dealing in any matters relating to the services and mailing of
correspondence, statements, invoices, confirmations, information, reports
or notices, which could involve disclosure of certain Personal Data to bring
about delivery of the same;
4. the recovery of any and all amounts owed to the Lender;
5. the process of reviewing and approving credit/financing and approving the
account(s), and the conduct of initial and anticipatory credit/financing
checks and assessments, relevant checks, ongoing assessment and
verification of ongoing credit/financing worthiness and standing;
6. preventing, detecting and investigating fraud, misconduct, any unlawful
action or omission, whether relating to the application or any other matter
relating to the account(s) of yourself; and/or
7. managing the Lender’s infrastructure and business operations, and
complying with policies and procedures that may be required by law or that
may have been put in place by the Lender, including those relating to
auditing, finance and accounting, billing and collections IT systems
(together referred as “Purposes”).
The Borrower hereby acknowledges and agrees that his or her Personal Data
may be disclosed by the Lender to the following third parties for one or more of
the above Purposes:
1. the Lender’s group companies and between each of them;

2. to the Lender’s (or the Lender’s Group Companies’) third party service
providers or agents including but not limited to those who provide
administrative, telecommunications, computer, payment clearing or other
services to the Lender in connection with the operation of its business,
mailing houses, telecommunication companies, marketing agents, call
centers, data processing companies and information technology companies;
13/39
3. any valuer, credit/financing reference agency, rating agency, business

partner, bank or financial institution, and, in the event of default, to debt
collection agencies;
4. any credit/financing bureau;
5. to the Lender’s auditors and professional advisors including its solicitors;
6. any person to whom the Lender is under an obligation to make disclosure
under the requirements of any law binding on the Lender;
7. any permitted assigns; and/or
8. to any regulatory body, government agency, statutory board, ministry,
departments or other government bodies and/or its officials.
7. Termination: This Agreement shall come into effect from the date of execution of
this Agreement and shall terminate only upon the Borrower making full repayment
to the Lender of the Outstanding Amount , payable by the Borrower to the Lender
under this Agreement and as and when the Lender issues no dues certificate to
that effect.
8. Survival: All provisions of this Agreement which by their very nature are intended
to survive the expiry or termination of this Agreement shall survive the expiry or
early termination of this Agreement in terms hereof.
9. Classification of loan account as Special Mention Account (SMA) and Non-
Performing Asset (NPA) Upon the occurrence of any payment default under this
Loan, the Lender shall classify Borrower’s loan account held with the Lender
(Loan Account) in accordance with the prevailing RBI norms and guidelines.
1. As per the current prevailing guidelines of RBI, Loan Account shall be
classified as Special Mention Account (SMA) on the following basis:
Basis for classification –
Principal or interest payment or
SMA Sub-categories
any other amount wholly or
partly overdue
SMA-0 Upto 30 days
More than 30 days and upto 60
SMA-1
days
More than 60 days and upto 90
SMA-2
days
2. Further, the Loan Account shall be classified as Non-Performing Asset

(NPA) where interest and/ or instalment of principal remains overdue for a
period of more than 90 days in respect of a term loan;
3. Loan account classified as NPAs may be upgraded as ‘standard’ asset only
if entire arrears of interest and principal Loan are paid by the Borrower.
Examples of SMA/NPA classification dates:

If due date of a loan account is March 31, 2021, and full dues are not received
before the Lender 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 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 continues to remain overdue further, it
shall get classified as NPA upon running day-end process on June 29, 2021.
SCHEDULE / MOST IMPORTANT TERMS AND CONDITIONS OF THE LOAN
Place of New Delhi (which shall be the place where the Lender has
1.
Execution signed the Loan Agreement)
14/39
Date of Shall be the date on which the Borrower has accepted the
2.
Execution Loan Agreement.
Name: Piramal Capital & Housing Finance Ltd (formerly
known as Dewan Housing Finance Corporation ltd.)
Registered Office Address: Unit No-601, 6th Floor, Amiti
Name of the
3. Building, Agastya Corporate Park, Kamani Junction, Opp.
Lender
Fire Station, LBS Marg, Kurla (West), Mumbai - 400 070
and one of its branch office at E2/22, 2nd Floor,
Jhandewalan Extn. New Delhi 110055
a) Name SUBHASH CHAND
V PADARTHA, PO
DHANPURA,
HARIDWAR RURAL,
b) Address
Details of the Haridwar,
4. UTTARAKHAND, INDIA,
Borrower
249404
subhashsainicns@gmail.
d) Email Address
com
e) Mobile No. 8430046143
5. Loan Amount Loan Amount: Rs. 4,00,000 (Rupees Four lakh only)
6. Tenure of Loan 60 Months
Rate of Interest
7. 24.49% per annum (Fixed)
(ROI)
Repayment Tenure (in months): 60 Months
Equated Monthly Instalment of Rs. 11,621
Repayment
8. Frequency of Repayment of EMI: Monthly
Schedule
Due Date of the EMI shall be 5 th day of the each month
unless otherwise communicated by the Lender.
Loan Required
9. None
For
10. Purpose & End Use of Loan
Purpose & End
Purpose :- Personal
Use of Loan
Enduse :- House Renovation
Borrower hereby declare, represent, warrant, confirm & undertake that :
(a) The Loan shall be utilized only for the purpose as mentioned herein and
the purpose of use of Loan shall not be changed in any manner during the
term of the Loan. The Loan shall not be used for any illegal and/or anti-
social and/or any speculative activities.
(b) Any breach of the above undertaking shall tantamount to be the breach
of the terms and conditions of the Loan Agreement and the Lender shall be
at liberty to take such action against me/us including withholding of the
balance Loan/recalling the Loan as the Lender may deem fit.
11. Sanction Letter Date: 05-Jan-2024
Insurance
Rs. 9,063/- (to be deducted from the Loan amount & to be
12. Premium
15/39
Amount paid to the insurance company)

Schedule of
13. Fees & Other
Charges
Processing 2.36% i.e .Rs. 9,440/- (to be deducted from the Loan
(i)
Fees amount)
2% p.m. on default of broken period interest / EMI from
(ii) Default Interest
the date of default till the date of actual payment
Pre-payment
(iii) Rs. 0
Charges
Foreclosure
(iv) Rs. 0
Charges
EMI Bounce
(v) Rs. 500 + taxes per bounced EMI
Charges
Cheque
(vi) Bounce Rs. 500+GST
Charges
Loan Pre-
(vii) closure Rs. 0
Statement
Loan
Repayment
Schedule (
(viii) Rs. 500/- + taxes
applicable for
physical copies
only)
Change of
Loan
(ix) Rs. 500/- + taxes
Repayment
Mode
Duplicate No
Dues
(x) Certificate/ Rs. 500/- + taxes
NOC Issuance
Charges
Statement of
Account
(xi) (applicable for Rs. 500/- + taxes
physical copies
only)
Photocopy of
(xii) Rs. 500/- + taxes
Documents
2% p.m. + taxes on outstanding amount for the non-
compliance of any terms and conditions of the transaction
Additional
(xiii) documents by the borrower, for the period beginning the
Charges
date of such non-compliance until the same is cured to
the satisfaction of the lender
16/39
Collection
(xiv) Rs. 250/- per visit + taxes
Pickup Charges
Cash
1% of collection amount of Rs. 50000 and above in cash
(xv) Collection
+ taxes
Charges
Any Legal
(xvi) At actuals + taxes
Charges
Recovery
(xvii) Related At actuals + taxes
Charges
Stamp duty
(xviii) /Franking At actuals + taxes
charges
Loan
Cancellation
(xix) Interest accrued & due + applicable taxes
after
disbursement
Statutory
(xx) At actuals + taxes
Charges
Jurisdiction, The seat or venue of arbitration and Jurisdiction of the
14. Seat & Venue Court shall be New Delhi where the place of execution of
of Arbitration this Agreement falls.
EMI/PEMII
collection
Rs 500/- + applicable taxes per month (excluding first 3
15. charges (Only
months from the date of disbursement)
for NPDC
cases)
1. Customer Service Queries including requirement of
documents can be addressed to the Lender through
our Toll Free Number mentioned on our website: ww
Customer w.piramalfinance.com or email us at
16.
Services: customercare@piramal.com.
2. Details of branch locations & visiting hours for
customer service with respect to all branches of the
Lender are available at www.piramalfinance.com
There can be instances where the Borrower is not
satisfied with the services provided by the Lender. To
highlight such instances & register a complaint the
Borrower may follow the following process:
The Borrower may raise his / her complaint through
Toll free number mentioned on www.piramalfinance.
com or email to customercare@piramal.com or
contact the Branch Operations Manager of the
respective dealing branch within working hours as
mentioned on the website
If the Borrower is not satisfied with the resolution
provided or his/her queries are not solved within 15
days, the Borrower may escalate to:
grievances@piramal.com.
17/39
In case the concern remains unresolved beyond a

Grievance
17. period of 15 days, the Borrower may escalate the
Redressal:
matter to “The Nodal Officer”, Piramal Capital &
Housing Finance Limited Unit No-601, 6th Floor,
Amiti Building, Agastya Corporate Park, Kamani
Junction, Opp. Fire Station, LBS Marg, Kurla
(West), Mumbai - 400 070 Email: nodal.
officer@piramal.com
In case the Borrower is still not satisfied with the
response, the Borrower may approach the
Complaint Redressal Cell of National Housing Bank
by lodging its complaint in Online mode at the link htt
ps://grids.nhbonline.org.in or may write to National
Housing Bank, Complaint Redressal Cell,
Department of Regulation & Supervision, National
Housing Bank, 4th Floor, Core 5A, India Habitat
Centre, Lodhi Road, New Delhi - 110 003.
E- Stamping & E- Signatures

For ease of operation of the Borrower, the Loan is being sanctioned and provided
using online/digital services & technology platform of the Lender (Technology
Platform) and the Borrower hereby consent to E-stamp the Agreement in New
Delhi wherein the Lender will execute the Loan Agreement & which is deemed as
the Place of execution of Agreement and accept & sign these Loan Agreement
through Aadhar based E-Signature.
The Borrower is confirming, completing and signing these Loan Agreement and
requesting for Disbursement of the Loan through the Technology Platform through
Aadhar based E-Signature by entering the Verification code/ one time password
(“OTP”) in token of having read, understood and irrevocably agreed and accepted
the Loan Agreement , upon which the Disbursement of the Loan will be completed
by the Lender.
The Borrower hereby acknowledges and accepts that on receipt of the one-time
password, access code or other forms of secure authentication, the Lender shall
assume that such authentication has been provided by the Borrower and it is the
sole responsibility of the Borrower to ensure that the one-time password, access
code or other forms of secure authentication is not compromised or shared with
any unauthorized users.
The Lender shall have no obligation to verify the authenticity of any transaction or
instruction received or purported to have been received from the Borrower
through the Technology Platform or purporting to have been sent by the Borrower
other than by means of verification of the one-time password, access code or
other forms of secure authentication. All the records of the Lender with respect to
the online request for facility arising out of the use of the Technology Platform and
arising out of the use of the one-time password, access code or other forms of
secure authentication shall be conclusive proof of the genuineness and accuracy
of the transaction and shall be binding on the Borrower.
An email (“Email Communication”) containing the Loan Agreement & Sanction
Letter will be sent by the Lender to the email id registered with the Lender. No
other/further act, deed or writing on part of the Borrower shall be required for
acceptance by the Borrower as above including any different or physical signature
for the Transaction Documents. The Lender also does not require to sign the
Agreement in any physical form.
I Agree to the Loan Agreement
18/39
Name of the Borrower: SUBHASH CHAND

Date: 05-Jan-2024 Time: 11:34:21.025
IP:
Signed and delivered by the within-named Lender by the hands of its.
Authorized Signatory
Name: Catherine Samuel
Signature:
19/39
END USE LETTER
Date:05-Jan-2024
To,
Piramal Capital & Housing Finance Ltd.
Dear Sir,
I/We, refer to my/our Loan Account Number PLSA0007DEB0 with Piramal Capital &
Housing Finance Ltd. (PCHFL). I/We do hereby solemnly affirm and declare as follows:
PCHFL has sanctioned me/us the loan of Rs. 4,00,000 (Loan) on the terms and
conditions as mentioned in the loan agreement executed by me/us in favour of PCHFL. The
said Loan will be utilized for the purpose of: (tick the relevant option)
Marriage
Education
Medical emergency
Purchase of appliance
House Renovation
Vacation
Purchase of furniture
Other
In case of other, please specify,
I/We hereby represent, warrant, confirm & undertake that:

(A) The Loan shall be utilized only for the purpose as mentioned herein and the
purpose of the Loan shall not be changed in any manner during the term of the
Loan. The loan shall not be used for any illegal and/or anti-social and/or any
speculative activities.
(B) Any breach of the above undertaking shall tantamount to be the breach of the
terms and conditions of the loan agreement and PCHFL shall be at liberty to take
such action against me/us including withholding of the balance Loan/recalling the
Loan as PCHFL may deem fit.
Thank you.
Yours sincerely,
SUBHASH CHAND
(Name(s) and Signature(s) of Co-
(Name and Signature of Applicant)
Applicant(s))
Place: Haridwar
20/39
Piramal Capital & Housing Finance

Limited (formerly known as Dewan Housing
Finance Corporation Ltd) Registered Office
Address: 601, 6th Floor, Amiti Building, Agastya
Corporate Park, Kamani Junction, Opp. Fire
Station, LBS Marg, Kurla West Mumbai
Maharashtra 400070. CIN:
L65910MH1984PLC032639
Personal Loan Application Form
Application No PLSA0007DEB0 Date 05-Jan-2024
1 Personal Details
Full Name
SUBHASH CHAND
Date of Birth 04-Feb-1989 Residential Status Resident Indian

Father's /
Birampal
Spouse's Name
Mother's
LILAWATI
Maiden Name
KYC Details
Aadhaar XXXX XXXX 2893 PAN BGPPC3918M
Driving
Passport
License
Voter Id Others
Mobile
Landline 8430046143
Number
Email ID subhashsainicns@gmail.com
21/39
Current Residence Address
V PADARTHA, PO DHANPURA, HARIDWAR RURAL, Haridwar, UTTARAKHAND,

INDIA, 249404
City Haridwar Pincode 249404
State UTTARAKHAND Country India
Residence Type
Company Owned by Owned by Rented Owned by
provided other relatives Parents self or spouse
Permanent Residence Address
chakavali, Chackwali Deoband, Chakwali, SAHARANPUR, UTTAR PRADESH, INDIA,
247451
City SAHARANPUR PIN 247451
State UTTAR PRADESH Country India
Gender Religion Hinduism
Male Female Others

Highest
Education
Qualification
Marital Status
Married Divorced Widow Unmarried
Nominee Nominee
Name Relation
2 Professional Details
Employment Salaried Self- Employer Gove PSU Private Others

Status Employed Type rnment
Nature of
Business
Self Employed - Professional

Experience in current job (in
Doctor Architect CA CS Others months) 11
22/39
Total Work Experience (in months) Annual Income (in )

11 298224.00
Designation Official Email ID

Senior Operator subhashsainicns@gmail.
com
Office Landline Employee ID Number (if salaried)
Name of the
Patanjali food & herbal park private limited
Employer
Address of Employer
Patanjali Yogpeeth Trust Laskar Road, Unit -II Patanjali food & Herbal Park
Vill- padaratha,, Haridwar, Uttrakhand, UTTARAKHAND, India, 249405
City Haridwar PIN 249405
State UTTARAKHAND Country INDIA
3 Loan Details
Amount Tenure Interest

5,00,000 60 EMI 11,621 Floating Fixed
Requested (Months) Rate
Purpose of Loan
Marriage Education Medical emergency Purchase of
appliance
House Vacation Purchase of Other
Renovation furniture
In case of other, please specify:
4 Bank Account Details
Name of
Account Account
SUBHASH CHAND Savings
Holder Type
Bank State Bank of Branch Repayment

Name India, India Name Mode
23/39
Account 34425333730 MICR / IFSC SBIN0004530

Number
5 Reference (2 references, one related and the other unrelated, also

ensure neither reference is a PCHFL employee )
Name sohan singh Name pramod kumar
Mobile 9760300542 Mobile 9719838231
Email Email
Relationship Relationship
with the Friend with the Friend
reference reference
6 For office use only
Branch Channel
Name Haridwar DURGA FINVEST PRIVATE
Name
LIMITED
Lead
Source DSA Lead Id PLSA0007DEB0
End
Existing Existing
Yes No Use of
Customer Contact No
Loan
7 Declaration
I hereby apply for a personal loan at Piramal Capital & Housing Finance Limited
(Formerly Known as Dewan Housing Finance Corporation Limited) (PCHFL).
I hereby declare and confirm:
1. That all the particulars, information and other documents submitted by me with
PCHFL are true, correct, complete and updated in all respects & no material and
relevant information has been withheld / concealed.
2. That if any discrepancy is found or observed in the information given by me and

the documents shared, PCHFL shall have the sole discretion to cancel the
sanction at any stage and recall the loan if already disbursed.
3. I confirm and agree that I can read and understand the terms in English language.
I agree to receive all documents/ correspondence in English language.
24/39
4. I undertake to inform PCHFL regarding any change in respect to my information

submitted including change in address, income and telephone numbers, email ID
etc.
5. I agree that PCHFL shall be entitled to presume that any communication received
by PCHFL through Email ID / Mobile Number provided by me with PCHFL has
been actually given by me and is genuine, valid & binding on me. PCHFL shall at
no point of time be held liable & responsible to ensure or ascertain the validity of
the said communication received through the said Email ID / Mobile Number.
6. That there has never been an award or an adverse judgement or decree in a court
case involving breach of contract, tax malfeasance or other serious misconduct
which shall adversely affect my ability to repay the loan; neither any criminal
proceedings have been initiated and/or pending against me in any courts of India.
I have never been a defaulter with PCHFL or any other financial institution.
7. PCHFL shall be under no obligation to refund the registration / upfront /

processing / any other fee along with applicable taxes in any event.
8. I have not made any payment (and will not pay) either through cheque/cash or
otherwise to any Executive/DSA/Service Provider or person in his/her personal
name for grant/processing of the loan.
9. I authorize PCHFL or its service provider to obtain my credit report from credit
bureau agencies as recommended by NHB / Regulatory Authorities, Government
of India, third party entities; to share information at periodical basis to credit
bureaus, to make references, enquiries and obtaining information of this
application which PCHFL considers necessary.
10. I shall indemnify PCHFL against any loss or damage (which PCHFL may suffer)
as a result of any action / claim raised by such institutions or any third party for
making reference, conducting investigations and / or making disclosures in terms
of the preceding clause;
11. PCHFL may use external agencies to conduct credit & risk due diligence as well
as document and field investigations and can share my personal data for the
same.
12. I confirm that I shall use the loan facility (or any part thereof) only for the purpose
as mentioned in the Loan Agreement and not for any improper/ illegal, speculative
or anti-social or unlawful purpose /activities.
13. That PCHFL shall have the absolute discretion, without assigning any reasons
(unless required by applicable law) to reject my loan application and PCHFL shall
not be responsible in any manner whatsoever to me for such rejection or any
delay in notifying me of such rejection and any costs, losses, damages or
expenses, or other consequences, caused by reasons of such rejection, or any
delay in notifying me of such rejection, of our application.
14. That I am above 18 years old & competent to give present declaration &
undertaking, submit the documents/details in digital mode for the purpose of
availing the loan, and for all the purposes mentioned / required to be done by
PCHFL for sanctioning the loan.
25/39
15. I here by consent to receiving information from Central KYC Registry through
SMS / e-mail on my mobile number / email address as mentioned on the
Technology Platform.
16. I confirm that I have been informed by PCHFL about the other documents that
may be submitted apart from my Aadhaar number for establishing my identity and
address proof however, I have voluntarily chosen to my Aadhaar number.
17. I hereby consent and submit voluntarily at my own discretion and without
coercion, the physical copy of Aadhaar card /e-Aadhaar / Aadhaar secure Quick
Response (QR)/ offline Aadhaar xml as issued by UIDAI (Aadhaar), with PCHFL
and/or any Third Party to i) establish my identity / address proof for the purpose of
processing my loan application, ii) enabling me to eSign the loan related
documents and eSign the Mandate and authenticate my identity through the
Aadhaar Authentication system (Aadhaar based e-KYC services of UIDAI) in
accordance with the provisions of the Aadhaar (Targeted Delivery of Financial and
other Subsidies, Benefits and Services) Act, 2016 and the allied rules and
regulations notified thereunder (Purpose). I hereby explicitly authorise PCHFL and
any other third party appointed by PCHFL (Third Party) to fetch and verify my
information regarding Aadhaar Number, Aadhaar XML, Virtual ID, e-Aadhaar,
Masked Aadhaar, Aadhaar details, demographic information, identity information,
Aadhaar registered mobile number, face authentication details and/or biometric
information (“Aadhaar Information”) from UIDAI for the Purpose as mentioned
above. I agree to take all the necessary actions required for the purpose of
authenticating and verifying my Aadhaar Information. I further agree that I have
been sufficiently informed by the Co-Lenders about other alternative documents
that can be submitted for establishing proof of identification and address.
18. I understand and agree that the consent and purpose of collecting Aadhaar has
been explained to me in local language. PCHFL has informed me that my
Aadhaar submitted herewith shall not be used for any purpose other than
mentioned above, or as per requirements of law and is not stored by the Third
Party, Aadhaar number has been redacted or blacked out through appropriate
means,. I give a valid, binding, irrevocable and explicit authorisation and consent
as maybe required under applicable laws, rules, regulations and guidelines for
availing the Aadhaar API services of PCHFL and/or Third Party including, but not
limited to the transmission and storage of my Aadhaar Information by PCHFL and
/or Third Party.
19. PCHFL has taken required efforts to ensure that the information and/or statement
and/or certificate provided on its website/Mobile App (“Technology Platform”) is
reasonably accurate, further I also acknowledge that PCHFL does not warrant the
accuracy, completeness, suitability, correctness, adequacy and validity of such
information and/or statement and/or certificate/services provided therein
whatsoever for any purpose.
20. PCHFL disclaims all responsibility for i) any loss, injury, liability or damage of any
kind resulting from and a rising out of,my use of the Technology Platform ii) for
loss of use, data or profits, arising out of or in any way connected with the use of
the PCHFL's Technology Platform iii) for the delay or inability to use the Platform
iv) or failure to provide services, v) for any information, date, statement, certificate,
software, and any other services obtained through the Technology Platform or
otherwise arising out of the use of the Technology Platform.
21. It will be my sole responsibility to ensure that the username and password to use
the Technology Platform are kept confidential.
26/39
22. I have carefully read and fully understood and accepted the terms & conditions
pertaining to PCHFL’s Privacy Policy, Website Usage Policy and Disclaimer as
mentioned on its Technology Platform and agree that these terms and conditions
may be amended or modified by PCHFL at any time and I/we will be bound by the
amended terms & conditions that are in force
23. PCHFL reserves the right to suspend the services of the Technology Platform if in
PCHFL‘sopinionsecurityoftheTechnologyPlatformorofthe data could be
compromised. In such event user shall contact PCHFL offices for any clarification.
24. I here by give my consent to receive WhatsApp updates & communication from
PCHFL on the mobile number provided by me on the Platform.
25. PCHFL is registered with IRDAI bearing Certificate of Registration No CA0052 to

act as a Corporate Agent (Composite) & is a Group Insurance Organizer/
Administrator/Master Policy holder and thereby authorised to solicit and service
insurance business of both Life and General Insurance. For more details please
visit our website https://www.piramalfinance.com/stakeholders/insurance-services
26. Contract of Insurance is between the Insurance Company and the insured /
policyholder.
27. Insurance products are offered & underwritten by the Insurance Company &
PCHFL does not underwrite the risk or act as an insurer.
28. Participation by PCHFL’s customers in any insurance product is optional and

purely on a voluntary basis & Customer may opt for insurance through PCHFL or
open market at his/her sole discretion
29. Insurance is the subject matter of solicitation
30. I am aware that PCHFL is registered with IRDAI bearing Certificate of Registration
No CA0052 to act as a Corporate Agent (Composite) & is a Group Insurance
Organiser/ Administrator/Master Policy holder and thereby authorised to solicit
and service insurance business of both Life and General Insurance. For more
details I have to visit PCHFL’s website www.piramalfinance.com.
31. My contact details may be used by PCHFL for sharing promotional information
about other products / services that Piramal Group, affiliates, business partners
and related companies may be offering: YES NO
32. I would like to avail the insurance products arranged by PCHFL: YES NO
33. I need funding for insurance premium: YES NO
34. I / We hereby authorize PCHFL to share the data / details with Insurer: YES
NO
35. I hereby give my explicit consent to PCHFL to deduct the insurance premium and
other related charges from the sanctioned Loan amount and pay the amount to
the insurance company.
36. Interest Rate foreach loan will be decided 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.
27/39
37. I/We hereby declare, represent, warrant, confirm & undertake that:
(a) the loan shall be utilized only for the purpose as mentioned herein and the
purpose of use of loan shall not be changed in any manner during the term of the
loan. The loan shall not be used for any illegal and/or anti-social and/or any
speculative activities.
(b) any breach of the above undertaking shall tantamount to be the breach of the
terms and conditions of the loan agreement and PCHFL shall be at liberty to take
such action against me/us including withholding of the balance Loan/recalling the
Loan as PCHFL may deem fit.
8 Insurance Section
1. I declare that I have not suffered or currently suffering from following:
1. Cancer, tumor, growth or cyst;
2. Chest pain or Heart attack or any other heart disease
3. Stroke, paralysis, epilepsy or disorders of psychiatric/brain/nervous system;
4. Diabetes;
5. Asthma, Tuberculosis or other lung disease;
6. High Blood pressure;
7. Disorder of muscles,bones or joints,arthritis;
8. Kidney disease;
9. Liver disease including hepatitis;
10. Digestive system disorder;
11. Blood disorder, thyroid or other endocrine disorder;
12. Major surgery or hospitalization during last 5 years;
13. HIV infections or AIDS;
14. Any other medication, disease or disorder, not mentioned above and
excluding minor complaints.
My life, health or accident insurance cover has never been declined,

deferred, accepted at special terms, cover reduced or had exclusions.
Proposed Insured: YES NO
If any of the above declarations is answered as ‘No’, please fill the FULL
MEDICAL QUESTIONNAIRE
2. I, hereby declare that the information provided in this form or otherwise is true to
the best of my knowledge and that I have not withheld any material information
that may influence the assessment or acceptance or of this application. I agree
28/39
that this form will constitute part of my application for insurance(s) and that failure
to disclose any material fact known to me may invalidate my insurance(s). I
understand that in case of fraud or misrepresentation by me, the Policy shall be
cancelled immediately by paying surrender value, if any, subject to the same
being established by the Company in accordance with section 45 of the Insurance
Act 1938. I undertake to make available to the Company and or its
representatives such records, documents etc. related as may be required in
relation to this form as and when requested for and that the Company may share
this information with such third parties as it may deem necessary in relation to
processing this form and the proposed policy. I/we confirm that the person(s)
named above as my/our Nominee have been nominated in accordance with my
/our statutory right of nomination as contained in Section 39 of the Insurance Act,
1938. I/we hereby declare and warrant that all these nominations have been
made with my/our free will and consent. I/we understand and agree that in the
unfortunate event of my/our death before I/we have re-paid the entire outstanding
loan amount, the outstanding loan amount as per the benefit schedule and
subject to the limit of the Coverage Sum Assured will be paid to The Master Policy
Holder. and any additional amount payable under the policy after this payment
has been made, subject to the Coverage Sum Assured, will be payable to my/our
other Nominees named above or to my/our legal heirs or legal representatives (as
applicable). I/we understand and agree that no other nominee appointed in
accordance with Section 39 of the Insurance Act, 1938 or any of my/our our legal
heirs or legal representative will have the right to receive or claim the amount (in
whole or in part) which becomes due to or payable to The Master Policy Holder.
under the policy in the unfortunate event of my/our death before I/we have re-paid
the entire outstanding loan amount.
Agreed
SUBHASH Name Of
and SUBHASH CHAND
CHAND Applicant
Accepted
11:34: 05-Jan-
Time Date Place Haridwar IP address
21.025 2024
Applicant photograph
For ease of operation, I hereby sign the Application Form digitally through Aadhaar
based eSignature and shall enter the one-time password (“OTP”) in token of having
29/39
read, understood, and irrevocably agrees and accepts the Application Form. Once the
said OTP is entered, PCHFL 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.
Since you are signing the Application Form digitally, no other/further act, deed or writing
on your part shall be further require for acceptance of the Application Form including
any physical signature.
Personal Data
At Piramal Capital & Housing Finance Limited (Formerly Known as Dewan Housing Finance Corporation Limited)
(PCHFL), we respect your privacy. By providing your personal data to PCHFL, you agree to PCHFL, and / or its
affiliates and / or assigns use of this information for its business purposes including but not limited to credit
evaluation, due diligence, legal / regulatory obligations and risk management procedures. Any and all information
collected will be processed in a fair and secure manner. We shall use reasonable technical and organizational
measures to ensure the security and confidentiality of Personal Data. For more information you may visit our ‘Privacy
Policy’, ‘Website Usage Policy’ and Disclaimer on our website www.piramalfinance.com.
30/39
Acknowledgement
we confirm having received the
upfront processing fee cheque of
........................... favouring
Piramal Capital & Housing
Finance Ltd., via cheque /
Demand Draft No.
................................... drawn on 05
-Jan-2024 Please note we do not
accept processing fee in cash.
Sales Representative Ashu Kumar
Phone 9897570815 Service
Branch Haridwar Lead Id Number
PLSA0007DEB0 Email ashu.
kumar2@piramal.com Signature
.......................................
For fair practice code and lodging complaints, please visit our website www.piramalfinance.com.
INSTRUCTIONS TO FILL THE FORM
1. The application form is provided to obtain relevant details to help us process your
application. Any other information that you feel is necessary can be detailed in a covering
letter.
2. where applicable e.g. indication of marital status.
3. All details must be filled in. If not applicable please write N/A.
4. Applicant should ensure that the application form is complete in every aspect and all the
required documents are submitted with the application form.
A complete form with the necessary documents will help us process your application faster,
Please take photocopies of all the documents that are submitted to PCHF (including this
application form) for your personal record.
31/39
SANCTION LETTER
Date:05-Jan-2024[]
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.
a) Name SUBHASH CHAND

V PADARTHA, PO
DHANPURA, HARIDWAR
b) Current Address RURAL, Haridwar,
UTTARAKHAND, INDIA,
249404
Details of the
1. chakavali, Chackwali
Borrower
Deoband, Chakwali,
c) Permanent Address
SAHARANPUR, UTTAR
PRADESH, INDIA, 247451
subhashsainicns@gmail.
d) Email Address
com
e) Mobile No. 8430046143
2. Loan Amount Loan Amount: Rs4,00,000 (Rupees Four lakh Only)
3. Loan Type Personal Loan
Rate of
4. 24.49 % per annum (Fixed)
Interest (ROI)
Repayment Tenure (in months): 60 Months
Equated Monthly Instalment of Rs. 11,621
Repayment
5. Frequency of Repayment of EMI: Monthly
Schedule
Due Date of the EMI shall be 5 th day of the each month
unless otherwise communicated by the Lender.
Repayment
6. NACH
Mode
Validity of the
7. Sanction 30 Days
Letter
Insurance
Rs. 9,063/- (Insurance Premium amount to be deducted from
8. Premium
the Loan Amount and disbursed to the insurance company)
amount
Schedule of
9. Fees & Other
Charges
32/39
i. Processing 2.36% of the Loan amount, i.e. Rs. 9,440 including GST (to be
Fees deducted from the Loan amount)
Default
ii. 2% Per Month of the overdue amount
Interest
10. Loan Utilization Details:
Purpose of
Personal
Loan
End use House Renovation
Terms & Conditions of the Sanction:

1. 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.
2. 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.
3. 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.
4. 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.
5. 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
6. 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.
7. 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.
8. 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.
9. 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.
10.
33/39
10. The Borrower also conrm that Borrower is aware of and have understood the
aforesaid charges applicable on the Loan and the approach for gradations of risk
& rationale followed by Lender for charging different rate of interest to different
categories of borrowers along with other policies published on its website. Link: w
ww.piramalfinance.com
This is system generated Sanction Letter and do not require the signature of the Lender
34/39
Disbursement Request Letter
To
The Manager
Piramal Capital & Housing finance Limited, (PCHFL)
Haridwar Branch
Dear Sir/Madam,
Subject: Disbursement Request as the per terms of the Loan Account Number PLSA0007DEB0
I have been sanctioned a Loan by PCHFL. I hereby request PCHFL to kindly disburse the
Loan Amount as mentioned below:
S RTGS/NEFT
In favour of Amount
No. /Cheque
SUBHASH CHAND
Bank: State Bank of India, India
Branch: DISTSAHARANPUR
1. NEFT Rs. 3,81,347
UTTAR PRADESH 247451
Bank account no.: 34425333730
IFSC code SBIN0004530
Pramerica Life Insurance Limited
Bank: AXIS BANK
2 Bank account no.: 0497GPD232850 NEFT Rs. 9,063
07PIRA
IFSC code UTIB0CCH274
Deduct from
3 Processing fee Rs. 9,440
Disbursement
Deduct from
4 Stamp Duty Rs. 150
Disbursement
Total Rs. 4,00,000
I confirm that your disbursement of the loan proceeds to above parties in accordance
with the instructions given by me pursuant to this letter will constitute a disbursement of
the Loan proceeds to me.
I agree that the abovementioned details pertaining to payee are correct and
acknowledge that PCHFL accepts no liability for any consequences arising out of
erroneous details provided by me/us.
35/39
I further confirm that PCHFL shall have no responsibility or obligation whatsoever for
disbursement of the Loan in favor of the persons specified in the table above, and I
shall be responsible to repay the Loan in full in accordance with the terms of the Loan
Agreement.
Capitalized terms, unless defined herein, shall have the meaning ascribed to them
under the Loan Agreement.
Name of the Borrower: SUBHASH CHAND

Date: 05-Jan-2024 Time: 11:34:21.025
IP:
36/39
Underwritten by
(SCHEME FOR PIRAMAL CAPITAL AND HOUSING FINANCE LIMITED LOAN CUSTOMERS)
Loan Details
Loan Account Loan
Number: type :
Proposer Details
Name :
Address :
State : City : Pin Code :
Contact
Date of Birth :
No:
Nominee Details
Name :
Relationship
Date of Birth :
with Proposer :
Please note : Nominee must be age 18 years or above
Details of the Person to be Insured (Including Applicant)
Relationship with
Name Date of Birth Gender
Applicant
M F
M F
M F
37/39
M F
Health Indemnity
Family 2A + 2A +
1A 2A
size IC 2C
Sum
Insure
1 Lacs 2 Lacs 3 Lacs 4 Lacs 5 Lacs
d (in
Rs)
Tenur
2 3
e (in 1 year
years years
years)
Premium (Including GST) :
Declaration of Good Health
I hereby declare that all proposed members are in good health and entirely free from any
mental or physical impairments or deformities, disease/condition. Neither any of the
proposed members have been hospitalized for treatment of an illness or injury for reasons
other than common cough, cold or flu nor the habitual consumer of alcohol, tobacco, gutka
or any recreational drugs and not involved in any hazardous activity or occupation requiring
significant manual labour, working at heights / underground / construction sites, armed
forces or participate in adventure sports etc.
Yes No
Date : Place : Signature :
For Refund Purpose
I hereby authorize Care Health Insurance

Limited to refund balance premium directly to Piramal Capital And Housing Finance Limited
due to cancellation of Health Indemnity policy issued in my / our name against the loan
borrowed vide loan account no.
38/39
Date : Place : Signature :
Care Health Insurance Limited

Registered Office: 5th Floor, 19 Chawla House,Nehru Place,New Delhi-110019 Corresp.
Office: Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram-
122009 (Haryana)
Website: www.careinsurance.com
CIN: U66000DL2007PLC161503 UIN: RHIHLGP20126V011920 IRDAI Registration No. - 148
39/39

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Stamp Duty ₹150.

1. DEFINITIONS AND REFERENCE TERMS

3. LOAN, INTEREST, TAXES ETC.

Interest shall be prospective in nature, i.e., such revised Rate of Interest

5. Lender shall be entitled, at its sole discretion, to advance or postpone any

contacting the Borrower, receiving the Borrower, entering into a

the Repayment Schedule/amount of Installment(s) shall be amended by

5. COVENANTS & UNDERTAKING

1. any material circumstances affecting the ability of the Borrower to

6. BORROWER’S REPRESENTATIONS AND WARRANTIES

7. RIGHT OF LIEN AND SET-OFF

8. EVENTS OF DEFAULT AND REMEDIES

3. Any information given by the Borrower or financials provided to Lender, and

2. REMEDIES ON THE HAPPENING OF EVENT OF DEFAULT

5. Without prejudice to the aforesaid right, Lender may take recourse to

11. FURTHER ASSURANCES

13. CONSENT TO DISCLOSURE

availed of by Borrower, obligations assumed/to be assumed by Borrower in

1. the Lender’s group companies and between each of them;

3. any valuer, credit/financing reference agency, rating agency, business

2. Further, the Loan Account shall be classified as Non-Performing Asset

Examples of SMA/NPA classification dates:

SCHEDULE / MOST IMPORTANT TERMS AND CONDITIONS OF THE LOAN

Amount paid to the insurance company)

In case the concern remains unresolved beyond a

E- Stamping & E- Signatures

I Agree to the Loan Agreement

Name of the Borrower: SUBHASH CHAND

Signed and delivered by the within-named Lender by the hands of its.

Name: Catherine Samuel

END USE LETTER

I/We hereby represent, warrant, confirm & undertake that:

Piramal Capital & Housing Finance

Personal Loan Application Form

Application No PLSA0007DEB0 Date 05-Jan-2024

Date of Birth 04-Feb-1989 Residential Status Resident Indian

Current Residence Address

V PADARTHA, PO DHANPURA, HARIDWAR RURAL, Haridwar, UTTARAKHAND,

City Haridwar Pincode 249404

State UTTARAKHAND Country India

Permanent Residence Address

chakavali, Chackwali Deoband, Chakwali, SAHARANPUR, UTTAR PRADESH, INDIA,

City SAHARANPUR PIN 247451

State UTTAR PRADESH Country India

Gender Religion Hinduism

Male Female Others

Married Divorced Widow Unmarried

Employment Salaried Self- Employer Gove PSU Private Others

Self Employed - Professional

Total Work Experience (in months) Annual Income (in )

Designation Official Email ID

Vill- padaratha,, Haridwar, Uttrakhand, UTTARAKHAND, India, 249405

City Haridwar PIN 249405

State UTTARAKHAND Country INDIA

Amount Tenure Interest

4 Bank Account Details

Bank State Bank of Branch Repayment

Account 34425333730 MICR / IFSC SBIN0004530

5 Reference (2 references, one related and the other unrelated, also

Name sohan singh Name pramod kumar

Mobile 9760300542 Mobile 9719838231

6 For office use only

I hereby declare and confirm: