PERSONAL LOAN

AGREEMENT

Prospect No. SL3961996

Borrower Name MANOJ SINGH
Sanction Amount ₹105000.00
Rate of Interest 27.75% Per Annum
Tenure 18 Months
Branch / City Rohtak

www.iifl.com version 7 07

INDEX
PARTICULAR SIGNATURE

Loan Agreement/ Schedule S1 - S2

Post Dated Cheque (PDC) Acknowledgement Letter S3

RTGS/ NEFT Details S4

INSTRUCTIONS FOR FILLING LOAN AGREEMENT DOCUMENT

1. Do not sign the agreement if it is BLANK. Please ensure all relevant sections and columns are completely filled to your satisfaction
then only sign the agreement

2. All applications to be filled in English in CAPITAL LETTERS.

3. There should not be any amendments / overwriting / erasures / cutting on the Loan agreement and any amendments / overwriti
erasures / cutting should be undersigned.

4. The Signature of Borrower and Co-Borrower should be the same on the Loan agreement document

5. The full Signature of the Borrower and Co-Borrower is to be done in all places marked in Grey color box in Loan agreement booklet u
a Ball Point Pen only.

6. There are maximum 4 signatures to be done which has been marked from S1 to S4.

7. Optional Documents / Signatures.

Serial No.

LOAN AGREEMENT
The person(s) named in the Schedule-cum-Key Fact Statement hereto (hereinafter referred to as the "Schedule") being borrowers
and co-borrowers, hereinafter collectively referred to as "Borrower" which expression shall, unless it be repugnant to the context or
meaning thereof, be deemed to mean and include his/her heirs, administrators and executors. In favour of:
IIFL Finance Limited (IIFL) (Formerly known as “IIFL Holdings Limited”), a Finance company incorporated under the provisions of the
Companies Act, 1956 having its Regd. Office: IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane Industrial Area,
Wagle Estate, Thane - 400 604 • Corporate Office: 802, 8th Floor, Hub Town Solaris, N.S. Phadke Marg, Vijay Nagar, Andheri East,
Mumbai - 400 069 and a branch office at the place mentioned in the Schedule hereto (hereinafter referred to as the "IIFL" which
expression shall, unless it be repugnant to the context or meaning thereof, be deemed to mean and include its successors,
transferees and assign. In case of there being more than one Borrowers (i.e. there being coborrowers), the reference to the term
"Borrower" shall be deemed to be as if it were plural and this document shall be read accordingly as if made and liabilities
undertaken by each of then) jointly and severally. Reference to the masculine gender includes reference to the feminine and neuter
genders and vice versa.

The Borrower hereby irrevocably and unconditionally agrees to abide by the following agreement: Application &
Disbursement
1. Pursuant to the application made by the Borrower in the Loan Application Form ("Application"), IIFL has sanctioned the non-revolving
loan not exceeding the amount mentioned in the Schedule hereto (hereinafter referred to as "Loan"), and the Borrower agrees to
borrow the same, subject to and upon the agreement contained in the Application and/or this document. IIFL may disburse the Loan
or any part thereof ("Disbursement") at its own discretion. Notwithstanding anything contained herein: (i) IIFL may at its sole
discretion, suspend or cancel the Loan if the same is not utilized within 15 days of the issuance of instrument/instruction for
Disbursement; or (ii) the Borrower may cancel the Loan within 15 days of Disbursement; provided that in case of each (i) and (ii) the
cancellation shall take effect only when the Borrower has paid to IIFL in full the total Outstanding Balance (defined hereinafter)
including all the interest, and all other charges. The Borrower shall use the Loan only for the purpose stated in the Application and
not for any other purpose including making investment in the capital market or any speculative or illegal or anti-social purpose and
restricted by RBI from time to time.

Repayment
2. The Loan, interest, compound interest, default interest, any other charges, dues and monies payable, costs and expenses
reimbursable, as outstanding from time to time and whether any of them due or not, are hereinafter collectively referred to as
"Outstanding Balance". The Borrower shall pay interest on the Loan, the unpaid due interest and all other outstanding charges and
monies (except the default interest), at the rate of interest specified in the Schedule hereto, on the outstanding daily balance from
the date of Disbursement, compoundable at monthly rests. IIFL in its sole discretion would be entitled to change the said rate of
interest from time to time including on account of changes made by the Reserve Bank of India, which would be intimated to the
Borrower(s) and would be binding upon the Borrower(s). The Borrower shall also pay and bear all interest tax, if any, as applicable
from time to time. The Borrower(s) shall repay the Loan and pay the interest that is due from time to time by way of Equated
Monthly Installments (EMIs) as specified in the Schedule or as may be specified by IIFL from time to time (time being the essence of
the contract). The Borrower has perused, understood and agreed to IIFL's method of calculating EMIs as also the appropriation
thereof into principal and interest. The payment of all the monies by the Borrower including EMIs shall be made on or before the
respective due dates, at such place as IIFL may require, without any set-off or counterclaim or withholding or deduction (save as
required by law in which case the amount payable by the Borrower to IIFL shall be increased to the amount which after making such
deduction or withholding equals the original due amount as if no withholding or deduction were required), by way of one or more
modes and instruments including post-dated cheques ("PDCs"), Electronic Clearing System ("ECS"), National Automated Clearing
House ("NACH") instructions/ other mode/ instrument, as acceptable to IIFL from time to time. If any due date falls on a non-
business day of IIFL, the payment shall be made by the Borrower on the immediately preceding business day of IIFL. In case of
cheques/ other instrument, the payment shall be deemed to have been made by the Borrower only at the point of time the sum is
credited and realized fully in IIFL's account irrespective of the date of instrument or time of receipt or presentation of instrument. In
 case of any default, the Borrower shall without prejudice to IIFL's other rights and remedies, pay additional /default interest at the
rate mentioned in the Schedule hereto/ Application or as may be prescribed by IIFL, over and above the then applicable rate of
interest till full payment is made/default is cured. This liability shall not act as justification for any default.
3. The Borrower(s) shall pay to IIFL, the charges, fees, commissions, etc, specified in the Schedule hereto/ Application or as specified by
IIFL from time to time, within such time or upon occurrence of such events as specified and if not specified then forthwith upon
demanded by IIFL. All other present and future costs and expenses, taxes (as applicable from time to time), any related levy, stamp
duty, in all jurisdictions, in relation to the this/other documents/any transaction pursuant thereto, irrespective of who the beneficiary
is, shall be borne and payable solely by the Borrower, including for creation, enforcement, preservation of security, recovery,
initiating/defending/pursuing any legal proceedings/ actions by IIFL. In case of any such sums if paid or incurred by IIFL, the Borrower
shall be liable to reimburse the same to IIFL in full forthwith
4. Any payments made by/on behalf/for the Borrower or any realisations in relation to the Loan, security shall be appropriated towards
the Outstanding Balance and/or Liabilities (as defined hereinafter) in the following order: (a) Firstly, towards principal amount(s); (b)
Secondly, towards interest ; (c) Thirdly, towards additional/default interest and (d) Fourthly, towards cost, expenses, charges
commissions, fees, taxes and levies (wherever applicable) incurred by IIFL. Any statement of account furnished by IIFL shall be
accepted by and be binding on the Borrower(s) and shall be conclusive proof of the correctness of the amounts mentioned therein
except for any manifest error therein. Notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other applicable
law or anything contained in this Section, IIFL may, at their absolute discretion, appropriate any payments made by the Borrower in
any manner and/or appropriate the same towards any other dues payable by the Borrower under any other arrangements entered
into between the Borrower and IIFL and such appropriation by IIFL shall be final and binding on the Borrower in all respects.
5. Notwithstanding anything stated in any document, the continuation of the Loan shall be at sole and absolute discretion of IIFL and
IIFL may at any time in its sole discretion and without assigning any reason call upon the Borrower to pay the Outstanding Balance
and upon such demand by IIFL, the Borrower shall, within 48 hours of being so called upon, pay the whole of the Outstanding Balance
to IIFL without any delay or demur.

Pursuant to the Reserve Bank of India vide their Notification on "Prudential norms on Income Recognition, Asset Classification
Provisioning pertaining to Advances - Clarifications" dated 12th November 2021 you/ the Borrower shall note the following loan classifica
structure:

CLASSIFICATION DPD EXAMPLE

BUCKET
RANGE

Standard

SMA – 0 Upto 30 If due date of a loan amount is March 31, 2021 and full dues are not received before the day-end
days process for this date, the date of overdue shall be March 31, 2021. It shall get tagged as SMA – 0 on
March 31, 2021

SMA – 1 More than Continuing from above, if the account continues to remain overdue, then it shall get tagged as SMA –
30 days & 1 upon running day-end process on April 30, 2021 i.e. upon completion of 30 days of being
Upto 60 continuously overdue
days

SMA – 2 More than Continuing from above, if the account continues to remain overdue, it shall get tagged as SMA – 2
60 days & upon running day-end process on May 30, 2021 i.e. upon completion of 60 days of being continuous
Upto 90 overdue
days

Non-Performing More than Continuing from the above, if it continues to remain overdue further, it shall get classified as NPA
Asset (NPA) 90 days upon running day-end process on June 29, 2021. Once an account becomes NPA, i.e. remains continu
overdue amount* and its DPD becomes 0. Any partial payments made will not change the NPA statu

*Overdue amount means EMI Amount (Principal + Interest)

Prepayment
6. The Borrower shall be entitled to prepay the Loan in part or in full : (i) only if IIFL permits the same upon at least 15 days written
notice from Borrower communicating intention to prepay in part or full at IIFL's lending branch; and (ii) subject to such conditions as
IIFL may prescribe including payment of the prepayment charges for part or full prepayment as mentioned in the Schedule hereto/
Application or as specified from time to time by IIFL. Full prepayment shall take effect only when entire Outstanding Balance has been
paid to and realized by IIFL.

Insurance
7. IIFL may at its own discretion and upon Borrower's request, also finance the Borrower for the insurance premium of insurance policy
taken by Borrower as per Borrower's own wish from any insurance company of Borrower's choice, which sum(s) shall be added to the
principal amount under the Loan and all the terms and conditions shall be additionally applicable thereto All expenses, charges, fees,
taxes etc as applicable on any such insurance shall be incurred and paid by the Borrower, however in case paid by IIFL on Borrower's
behalf, the Borrower shall reimburse the same to IIFL within 24 hours of IIFL's demand. The Borrower shall instruct the insurance
company to add IIFL as loss payee in any such insurance policy.

Security
8. The Borrower shall furnish and create such security from time to time in favour of or for the benefit of the, IIFL, of such value, in such
form and in such manner, as may be deemed fit by IIFL, forthwith upon so required by IIFL. IIFL shall also have the right to stipulate
any other and further terms and conditions that it may deem fit at any time prior to or after the grant of the Loan, which shall be
binding on the Borrower.

Representations
 9. Each of the Borrowers represent(s) and warrant(s) that (which shall be deemed to have been repeated to IIFL on the date of the
Disbursement and on each date thereafter till entire repayment):
a. The Borrower is a citizen of India and a major (in terms of age) and is of sound mind and is competent to contract and enter into
and perform his/her obligations contemplated under this document/ other document/in respect of the Loan;
b. There is no impediment or restriction, whether under law, judgement, order, award, contract or otherwise, for any of the
Borrowers entering into and/or performing any of the transactions contemplated by this/other documents/ in respect of the
Loan and all approvals and consents, wherever necessary have been duly obtained and are and will continue to be in full force;
c. The execution hereof constitutes legal, valid and binding obligations of the Borrower.
d. That there is no Event of Default existing;
e. All declarations made by Borrower are true and complete and no material information has been suppressed / withheld.

Negative Covenants
10. The Borrower covenants and agrees that, save and except with the prior, specific and express written consent of IIFL, the 'Borrower
shall not: (a) create, assume or incur any further indebtedness to any person; or lend or advance any amounts to any person; or
undertake any guarantee or security obligation; (b) except in favour of IIFL, sell, license, let, lease, transfer, alienate, dispose of in any
manner whatsoever, surrender or otherwise encumber any of its assets, rights, title or interest, receivables, or any part thereof; or
create, facilitate or permit to exist any charge, encumbrance orlien of any kind whatsoever over any of its property or grant any
option or other right to purchase, lease or otherwise acquire, any such assets or part thereof; (c) permit or effect any direct or
indirect change in the legal or beneficial ownership or control; (d) Change/ cease/ retire from/ terminate/ resign from the present
employment/ profession/business disclosed in the Application; or change, terminate or open any IIFL account.

Event of Default
11. The following events shall constitute events of default (each an "Event of Default"), and upon the occurrence of any of them the
entire Outstanding Balance shall become immediately due and payable by the Borrower and further enable IIFL inter alia to recall the
entire Outstanding Balance and/or enforce any .security and transfer/sell the same and/or take, initiate and pursue any
actions/proceedings as deemed necessary by IIFL for recovery of the dues:
a. Failure on Borrower's part to perform any of the obligations or terms or conditions or covenants applicable in relation to the
Loan including under this/other documents including non-payment in full of any part of the
Outstanding Balance when due or when demanded by IIFL;
b. any misrepresentations or misstatement by the Borrower; or
c. occurrence of any circumstance or event which adversely affects Borrower's ability/capacity to pay/repay the
Outstanding Balance or any part thereof or perform any of the obligations;
d. If any attachment, distress, execution or other process against the Borrower/its assets or any of the security is threatened,
enforced or levied upon by any person; or
e. fall, reduction or decrease, in the opinion of IIFL, in value of any security lower than the value required by IIFL;
f. the event of death, insolvency, failure in business, commission of an act of Bankruptcy of the Borrower, or change or
termination of employment/profession/business for any reason whatsoever.

Consequence of Default
12. Notwithstanding the aforestated, upon happening/occurrence of any Event of Default, without prejudice to IIFL’s rights and remedies
under contract or law, and without necessity of any demand upon or notice to the Borrower, all of which are hereby expressly waived
by the Borrower, and notwithstanding anything to the contrary contained herein or in any of the security documents (as the case may
be), IIFL may at its absolute discretion, pursue any or all of the following, and whether simultaneously or independently or
otherwise,:
i) declare the entire Outstanding Balance and all of the obligations of the Borrower to IIFL hereunder, to have become due and
payable by the Borrower to IIFL forthwith thereupon, in which event the Borrower shall be liable to forthwith pay to IIFL the
entire Outstanding Balance;
ii) to enforce the Security (if any) or any part thereof, including by selling, transferring or disposing of the assets/ some or any
part thereof either by means of private treaty or public auction or otherwise, with or without the intervention of any Court/
tribunal;
iii) to exercise, initiate and pursue any action, rights, notices, remedies, any proceedings (including ligation), whether civil,
criminal or otherwise in nature, and including for recovery of Outstanding Balance. Notice
13. IIFL may however without being obligated to do so, in its sole and absolute discretion, on occurrence of any Event of Default or any
event which after the notice or lapse of time or both would constitute an Event of Default, give notice to the Borrower in writing
specifying the nature of such Event of Default or of such event and where the Event of Default is capable of being cured or remedied
specify a time period within which such Event of Default or event is to be cured to the satisfaction of IIFL, failing which IIFL shall be
entitled to pursue all or any of the actions as contemplated under Clause B hereunder.
14. Notwithstanding the actions undertaken by IIFL pursuant to clause, all the provisions of this Agreement shall continue in full force and
effect as herein specifically provided till the Final Settlement Date. Securitization/ Assignment
15. IIFL shall at any time, without any consent of or notice to the Borrower(s) be entitled to securitize, sell, assign, discount or transfer al
or any part of IIFL's rights and obligations under the Loan, this document or any other document, to any person(s) and in such
manner and on such terms as IIFL may decide. Borrower shall not be entitled to directly or indirectly assign or in any manner transfer
whether in whole or part, any rights, the benefit or obligation under the Loan, this/other document.
16. IIFL shall be entitled at its discretion to engage/ avail of, at the risk and cost of the Borrower, services of any person/third party
service provider/agent/agency, for anything required to be done for/ in relation to/ pursuant to the Loan, including collections,
recovery of dues, enforcement of security, getting or verifying any information of the Borrower/ assets, and any necessary or
incidental lawful acts/ deeds/ matters and things connected thereto, as IIFL may deem fit.
17. Set Off, Counter Claim & General Lien
a. In respect of all and any of Borrower's present and future liabilities to IIFL, its affiliates, group entities, associate entities,
parent, subsidiaries, any of their branches (collectively "Relevant Entities") , whether under this document or under any
other obligation/loan/facilities/borrowings/document, whether such liabilities are/be crystallised, actual or contingent,
primary or collateral or several or jointly with others, whether in same currency or different currencies, whether as principal
debt or and/or as guarantor and/or otherwise howsoever (collectively "Liabilities") , each of IIFL and the Relevant Entities
shall in addition to any general lien or similar right to which any of them as NBFC may be entitled by law, practice, custom or
 otherwise, have a specific and special lien on all the Borrower's present and future stocks, shares, securities, property, book
debts, all moneys in all accounts whether current, savings, overdraft, fixed or other deposits, held with or in custody, legal or
constructive, with IIFL and/or any Relevant Entities, now or in future, whether in same or different capacity of the Borrower,
and whether severally or jointly with others, whether for any other relationship, safe custody, collection, or otherwise,
whether ih same currency or different currencies; and
b. Separately, each of IIFL and the Relevant Entities shall have the specific and express right to, without notice to and without
consent of the Borrower, set-off, transfer, sell, realize, adjust, appropriate all such amounts in all accounts (whether
prematurely or upon maturity as per IIFL's discretion), securities, amounts and property as aforesaid for the purpose of
realizing or against any of dues in respect of any of the Liabilities whether ear-marked for any particular Liability or flat,
combine or consolidate all or any of accounts of the Borrower and set-off any monies, whether of same type or nature or not
and whether held in same capacity or not including upon happening of any of the events of default mentioned in any of the
documents pertaining to the respective Liabilities or upon any default in payment of any part of any of the Liabilities. IIFL and
the Relevant Entities shall be deemed to have and hold and continue to have first charge on any assets including any security
that has been/ will be created in respect of the Loan, as security also for any of the other Liabilities and all the rights and
powers vested in IIFL in terms of any security or charge created for the Loan shall be available to IIFL and/or the Relevant
Entities also in respect of such other Liabilities, irrespective of the fact whether the Loan is at any time outstanding, repaid or
satisfied or not and even after the Loan has been repaid or prepaid.

Miscellaneous
18. IIFL shall have the right to not return the Application, the photographs, information and documents submitted by the Borrower. IIFL
shall, without notice to or without any consent of the Borrower, be absolutely entitled and have full right, power and authority to
make disclosure of any information relating to Borrower including personal information, details in relation to documents, Loan,
defaults, security, obligations of Borrower, to the Credit Information Bureau of India (CIBIL) and/or any other
governmental/regulatory/ statutory or private agency/entity, credit bureau, RBI, IIFL's other branches/ subsidiaries / affiliates I rating
agencies, service providers, other IIFLs / financial institutions, any third parties, any assignes/ potential assignees or transferees, who
may need the information and may process the information, publish in such manner and through such medium as may be deemed
necessary by the publisher/ IIFL/ RBI, including publishing the name as part of willful defaulter's list from time to time, as also use for
KYC information verification, credit risk analysis, or for other related purposes. In this connection, the Borrower waives the privilege
of privacy and privity of contract. IIFL shall have the right, without notice to or without any consent of the Borrower, to approach
make enquiries, obtain information, from any person including other IIFLs/ finance entities/ credit bureaus, Borrower's
employer/family members, any other person related to the Borrower, to obtain any information for assessing track record, credit risk,
or for establishing Contact with the Borrower or for the purpose of recovery of dues from the Borrower. Further Borrower shall also
be interested in receiving any other information about various products of IIFL or its relative entities through calls/ mails/ letters or
any other communication mode and Borrower shall waive its privilege under the guidelines of TRAI or any other such similar
statutory authority.

Notices
19. Any notice, approvals, instructions, demand and 'other communications given or made by IIFL shall be deemed to be duly given and
served if sent by normal post, courier, registered Post, facsimile, electronic mail, personal delivery, sms or by pre-paid registered mai
addressed to the Borrower's address, phone/ mobile number, fax number or email as given in the Application (or at the address
changed on which IIFL's acknowledgment is duly obtained as hereinafter mentioned) and such notice and service shall be deemed to
take effect on the third working day following the date of the posting thereof in case of normal post, courier, registered post, at the
time of delivery if given by personal delivery, upon receipt of a transmission report if given by facsimile, upon sending the electronic
mail or sms if given by electronic mail or sms. The Borrower undertakes to keep IIFL informed at all times in writing of any change in
the mailing address, email id, phone and mobile number(s) as provided in the Application and to obtain IIFL's written
acknowledgment on the intimation given to IIFL for any such change.

Jurisdiction & Arbitration

20. The Loan, this document/other documents, shall be governed by the laws of India. The parties hereto expressly agree that al
disputes arising out of and/or relating to the Loan, this or any other Relevant document shall be subject to the exclusive jurisdiction
of the court/tribunal of the city/place in which the branch of IIFL from where the Disbursement has been made is situate, provided
that the exclusivity aforesaid shall bind the Borrower and IIFL shall be entitled to pursue the same in any other court of competent
jurisdiction at any other place; such dispute shall be referred to arbitration in accordance with the provisions of the Arbitration and
Conciliation Act, 1996 as may be amended, or its re-enactment, by a sole arbitrator, appointed by IIFL. The arbitration proceedings
shall be conducted in English language and held at the place more particularly mentioned in the SCHEDULE of the present agreement
hereunder. The costs of such arbitration shall be borne by the losing Party or otherwise as determined in the arbitration award If a
party is required to enforce an arbitral award by legal action of any kind, the party against whom such legal action is taken shall pay
all reasonable costs and expenses and attorney's fees, including any cost of additional litigation or arbitration taken by the party
seeking to enforce the award.
21. This document, Application and other documents have been explained to the Borrower in the language known to the Borrower and
the Borrower has read and understood the same.
The Borrower(s) have affixed their signatures/e-signatures after verifying and understanding the contents of this
document, at the end of the Schedule.
SCHEDULE-CUM-KEY FACT STATEMENT
Loan Account No SL3961996 Place of Execution Rohtak
Date of Signing (DD / 18 Oct 2022 IIFL Branch Rohtak
MM /YYYY)
Name of the Borrower: MANOJ SINGH

Authorised Signature Name & Designation

LOAN DETAILS
Loan Amount (A) 105000.00 Loan Tenor 18 Months
Insurance Financed (B) 294.05 Installment Monthly
*TPP Financed (C) 0

Date: 18 Oct 2022 18:11:47

Frequency

Signed Using: 7206617083

Stamp duty charges (D) 0

Name: MANOJ SINGH

EMI Scheme Arrears

IP : 223.178.208.163
(Advance /
Disbursement Amount 105000.00 Arrears)
(= A+B+C-D)
EMI Start Date 3 Dec 2022
Interest Rate (Fixed) 27.75 % Per Annum EMI End Date 3 May 2024

S1
Advance EMI (No's) 1 Advance EMI Amount 1277
EMI (No's) 18 EMI Amount 7198
*Third party product

CHARGES(All charges are non-refundable post disbursement of loan)

Processing Charges (Amount) 4700 + GST
Taxes: At actuals, applicable presently or in future Date on which annual outstanding balance
statement will be issued :-31st May
Default Interest / Late Payment charges for the overdue period on Loan Cancellation Charges: NIL Note:
EMI / Principal overdue): - 24% per annum Interest would be charged for the interim
period between date of disbursement &
date of loan cancellation.
Do not sign this agreement if it is BLANK. Please ensure all relevant sections and columns are completely filled to your
satisfaction and then only sign the agreement.

Accepted by IIFL (This is a system generated Letter and does not need any signature by Authorised Signatory)

Dispute Resolution by Arbitration. All disputes, differences and / or claim or questions arising out of these presents or in any way touchin
concerning the same or as to constructions, meaning or effect thereof or as to the right, obligations and liabilities of the parties here un
may be referred to and settled by arbitration, to be held in accordance with the provisions of the Arbitration and Conciliation Act, 1996 or
statutory amendments thereof, of a sole arbitrator to be nominated by the Lender/IIFL, and in the event of death, unwillingness, ref
neglect, inability or incapability of a person so appointed to act as an arbitrator, the Lender/IIFL may appoint a new arbitrator to be a
arbitrator. The arbitrator shall not be required to give any reasons for the award and the award of the arbitrator shall be final and bindin
all parties concerned. The arbitration proceedings shall be held at Mumbai or the place decided by the Lender/IIFL. The Arbitration Cla
shall be in English language .

Name: MANOJ SINGH

Signed Using: 7206617083
IP : 223.178.208.163
Borrower Signature s2 Date: 18 Oct 2022 18:11:47
 Application for disbursement through RTGS/NEFT (Real Time Gross
Settlement/National Electronic Funds Transfer)

Date:18 Oct 2022

To

IIFL,
Retail Assets.
With reference to my application for Loan, I hereby request IIFL to credit the disbursement proceeds of the said Loan directly into
Bank Account (details of my Bank Account as given below) through the Real Time Gross Settlements (RTGS)/ National Electronic Fu
Transfer (NEFT) facility offered by RBI.

My/ Our Bank Details:

Beneficiary Name Mr MANOJ SINGH
(Account Title as held with your Bank)

Bank Account No. 00000032931346681

Name of the Bank State Bank of India

* IFSC Code (Contact your Bank and obtain the same) SBIN0063984

Yours Sincerely,

Name: MANOJ SINGH

Signed Using: 7206617083
IP : 223.178.208.163
Date: 18 Oct 2022 18:11:47
S4

Borrower Signature

*Indian Financial System Code (IFSC) is an alpha numeric code designed to uniquely identify the respective bank branches in India.
is 11-digit code with first 4 characters representing the Banks code, the next character reserved as control character (Present
appears in the fifth position) and remaining 6 characters to identify the branch.
 Consent to be obtained from customers submitting voluntarily at their own discretion
their physical/soft Aadhaar/Driving License/Voter ID as identity / address proof
To,
The Branch Manager
IIFL Finance Limited (IIFL)
Rohtak Branch

Dear Sir/Madam,

I/We hereby submit voluntarily at my/our own discretion, the physical/soft copy of Aadhaar card/physical e-Aadhaar / masked Aadha
offline electronic Aadhaar xml as issued by Unique Identification Authority of India (UIDAI) / Voter ID Card / Driving License, to IIFL Fina
Limited (IIFL) for the purpose of establishing my/our identity/address proof while obtaining loan from IIFL and voluntarily give my/our con
for the said purpose with IIFL in my/our names/s individual capacity/ies using my/our Aadhaar or as an authorized signatory in non-indivi
accounts and hereby consent to IIFL for verification of my/our Aadhaar to establish its genuineness through Quick Response (QR) c
embedded in the Aadhaar card or through such other acceptable manner as per UIDAI or under any Act or law from time to time. IIFL
informed me/us that my/our Aadhaar submitted to IIFL herewith shall not be used for any purpose other than mentioned above, or as
requirements of law.

IIFL has informed me/us that this consent and my/ our Aadhaar will be stored along with my/our other details within IIFL.

I/We hereby declare that all the information voluntarily furnished by me/us is true, correct and complete. I/We will not hold IIFL or any o
officials responsible in case of any incorrect information provided by me/us.

Signature of the Borrower/s) Names/s:

Mobile No:7206617083

Email: singh1790@gmail.com
 Declaration of Mailing Address

To
IIFL Finance Limited (IIFL)
Rohtak Branch

Subject: Confirmation of mailing address for

I MANOJ SINGH the undersigned desirous of availing loan from IIFL Finance Limited (IIFL) hereby declare that my mailing (current) addre
as below:

Mailing address (Provide full address)

582/21, Hafed road, Sukhpura, Rohtak, Rohtak, Haryana 124001

Permanent address (Provide full address)

582/21, Hafed road, Sukhpura, Rohtak, Rohtak, Haryana 124001

Further I declare that I do not have any proof of my current address. I am submitting AADHAAR E-KYCas proof of my permanent address,
said property is owned by me / my parents / my relative __________________________________ (name and relationship)
___________________ (Parents / relative) is living on said property presently.
I have submitted I want IIFL to send all communications regarding my loan account to my above mentioned mailing address.

I have no objection IIFL conducting verification of my present and permanent address.

The above information is true and can be updated by IIFL in its records.

Borrower Signature

Name: MANOJ SINGH

Signed Using: 7206617083
IP : 223.178.208.163
Date: 18 Oct 2022 18:11:47

Name of the Borrower MANOJ SINGH Date 18 Oct 2022

Declaration and undertaking by Borrower and Co-Borrowers:
I/We, the Borrower and Co-Borrower(s) (referred to as “Borrower(s)”), declare that I/We have approached IIFL Finance Limited (“IIFL”) for
grant of the Loan facility, which is being sanctioned to me/us (hereinafter referred to as the Said Loan) on the terms and conditions set o
the Loan Agreement and other related documents includes, but not limited to, above declarations (“Loan Documents”). I/We Borrower(s)
further declare that:

Provisions for Declaration of Intent to Use Electronic Signature / Digital Signature

1. I/We, the Borrower(s), have signed the Loan Documents accompanying this declaration cum undertaking by means of electr
signature, which is defined under Section 2(1) (ta) of the Information Technology Act, 2000 as “authentication of any electronic recor
a subscriber by means of the electronic technique as specified under the Second Schedule and also includes a digital signature.”
executed or adopted with the intent to sign the Loan Documents, more specifically detailed in schedule of this Declaration;
2. I/We understand that I am/we are not only agreeing to the foregoing document(s) but certifying that I/we have put my e-signature/di
signature on the document/instrument for availing of Loan Facility out of my free will and, and that I have executed the Loan Docum
with my free and voluntary act for the purposes therein expressed, and that each of the individuals, in the presence of the witnesse
was at the time eighteen or more years of age, of sound mind and under no constraint or undue influence. Any wilful falsification of
information contained herein is grounds for initiation of legal action against me/us in accordance of law;
3. I/We, the Borrower(s), understand and affirm that this declaration cum declaration is admissible under Section 65-B of Evidence Ac
any other corresponding provision or law for the time being in force.
4. I/We, the Borrower(s), affirm that my e signature/digital signature has been affixed/scanned on the Loan Documents as mentioned un
the schedule, by me and during that relevant period the computer/device/system used for affixation of my e-signature/digital signa
was in the lawful control of me.
5. I/We, the Borrower(s) hereby undertakes to indemnify and keep indemnified IIFL HFL and each of their respective directors, officers
employees (the “Indemnified Parties”), and to hold Indemnified Parties harmless from and against any and all claims, damages, los
liabilities, penalties and expenses (including all fees and charges of internal or external counsel with whom Indemnified Parties
consult and all expenses of litigation and preparation therefor) which Indemnified Parties may incur (i) on account of breach of any of
terms of this Undertaking furnished hereto, or, (ii) which may be asserted against Indemnified Party by any person, entity
governmental authority.
6. I/We, the Borrower(s), solemnly declare that my use of the electronic signature/digital signature was not done for any illega
fraudulent purposes. Further, affirm that the contents of the foregoing document are true to best of my knowledge, information,
belief.

Name: MANOJ SINGH

Signed Using: 7206617083
IP : 223.178.208.163
Date: 18 Oct 2022 18:11:47

Signature of Borrower
 ANNEXURE - I

S No. Date of Repayment EMI Amount Principal Interest Amount

1 3 Dec 2022 ₹ 7198.00 ₹ 4769.87 ₹ 2428.13

2 3 Jan 2023 ₹ 7198.00 ₹ 4880.18 ₹ 2317.82

3 3 Feb 2023 ₹ 7198.00 ₹ 4993.03 ₹ 2204.97

4 3 Mar 2023 ₹ 7198.00 ₹ 5108.50 ₹ 2089.50

5 3 Apr 2023 ₹ 7198.00 ₹ 5226.63 ₹ 1971.37

6 3 May 2023 ₹ 7198.00 ₹ 5347.50 ₹ 1850.50

7 3 Jun 2023 ₹ 7198.00 ₹ 5471.16 ₹ 1726.84

8 3 Jul 2023 ₹ 7198.00 ₹ 5597.68 ₹ 1600.32

9 3 Aug 2023 ₹ 7198.00 ₹ 5727.12 ₹ 1470.88

10 3 Sep 2023 ₹ 7198.00 ₹ 5859.56 ₹ 1338.44

11 3 Oct 2023 ₹ 7198.00 ₹ 5995.07 ₹ 1202.93

12 3 Nov 2023 ₹ 7198.00 ₹ 6133.70 ₹ 1064.30

13 3 Dec 2023 ₹ 7198.00 ₹ 6275.54 ₹ 922.46

14 3 Jan 2024 ₹ 7198.00 ₹ 6420.67 ₹ 777.33

15 3 Feb 2024 ₹ 7198.00 ₹ 6569.14 ₹ 628.86

16 3 Mar 2024 ₹ 7198.00 ₹ 6721.05 ₹ 476.95

17 3 Apr 2024 ₹ 7198.00 ₹ 6876.48 ₹ 321.52

18 3 May 2024 ₹ 7198.00 ₹ 7035.50 ₹ 162.50

 Declaration – Cum – Undertaking
This DECLARATION-CUM-UNDERTAKING ('Undertaking') is executed by Customer (which expression shall, unless repugnant to the contex
meaning thereof, include its successors, administrators, representative and assignees) in favor of M/s. IIFL Finance Limited (hereina
referred to as the 'Company' which expression shall unless repugnant to the context or meaning thereof, include its successors and assign
witnesses as to).
The Customer Declares, Affirms and Undertakes that:
1. The Customer has submitted true and correct Identity document/s clearly stating the Date of Birth and Signature for availing a loan fac
from the Company;
2. The Customer shall promptly inform and intimate the Company in case of any change or inaccuracy in the information and/or the Iden
document/s provided to the Company and shall furnish the correct documents, if any;
3. The Customer has submitted Identity document/s specifying two different Date of Birth and solely assumes full liability and responsibility
the same;
4. The Customer is solely responsible for any inaccurate document furnished to the Company;
5. Further, the Customer is solely liable for any disputes or litigation arising in this regard and irrevocably undertakes to indemnify the Comp
in such event;
6. This declaration undertaking shall be applicable and binding on the Customer, their heirs, successors, legal representatives, assigns, ag
and who so ever derives the title through us.
Date: 18 Oct 2022 18:11:47
Name(Customer): MANOJ SINGH
Signed using: 7206617083
IP: 223.178.208.163

Signature:

Insurance Declaration
The Customer Declares, Affirms and Undertakes that:
I MANOJ SINGH do hereby authorize you to pay directly to Master Policy Holder towards my outstanding dues against the loan borrowed
loan account no SL3961996 from Master Policy Holder out of the claim proceeds or premium refunds under Policy issued against Custome
377342014248190142 by Care Health Insurance Limited.
Date: 18 Oct 2022 18:11:47
Name(Customer): MANOJ SINGH

Signature: