Loan Application Form: Thanvir Bros. Pvt. LTD

THANVIR BROS. PVT. LTD.
LOAN APPLICATION FORM

LOAN APPLICATION NUMBER 3333090550
CUSTOMER NAME Manisha Vijay Surywanshi
GENDER FEMALE
MOBILE NUMBER +918007981499
EMAIL ID manishasurywanshi91@gmail.com
DATE OF LOAN APPLICATION 27-12-2023
ADDRESS -
PERSONAL LOAN (NON-MICROFINANCE WITH CUSTOMER

LOAN TYPE
HOUSEHOLD ANNUAL INCOME MORE THAN INR 3,00,000)
PANCARD NUMBER HFOPS6843R
AADHAAR CARD NUMBER 755444287167
PURPOSE OF LOAN personal
CUSTOMER BANK NAME Ujjivan Small Finance Bank Limited
CUSTOMER BANK ACCOUNT NUMBER (For

disbursement of loan amount and for NACH 4493110010008294
mandate for repayment of loan)
IFSC OF CUSTOMER BANK UJVN0004493
REFERENCE NAME 1 Vijay Surywanshi
REFERENCE NAME 1 MOBILE NUMBER +917385842177
REFERENCE NAME 2 Suraj Parve
REFERENCE NAME 2 MOBILE NUMBER +917498338989
LSP NAME FLEXIDIGITAL TECH INDIA PVT LTD (WWW.TRUSTPAISA.COM)
NBFC NAME THANVIR BROS PVT LTD
Digitally Signed by:

Name:Manisha Vijay Surywanshi
Location:Latur
Reason:Signing loan agreement
Date:Wed Dec 27 20:28:07
14:36:39 IST 2023
I hereby confirm my interest in availing loan from M/s. Thanvir Bros Pvt Ltd (“Lender”) and in
relation thereto I have applied for the loan facility by installing /through the Trustpaisa
Mobile App/Web App (“platform”) by submitting my application electronically, and declare
and undertake as under:
1. I confirm that the information submitted by me electronically are true, correct, complete
and up to date in all respects and that such information can be relied upon by the lender for
the purpose of extending loan.
2. I authorize the Lender and its business associates, agents, partners to exchange, share or
part with all the information and authorize to verify any information such as residence,
employment, telephone verification details relating to my existing loans /financial assistance
and/ or repayment history with credit bureaus, business associates, agencies, statutory bodies
etc, as may be required or as it may deem fit and shall not hold the Lender liable for use /
sharing of information.
3. I confirm that there is no insolvency/Bankruptcy proceedings or suits for recovery of
outstanding dues whatsoever and/or any criminal proceeding has been initiated and/or are
pending against me or no action nor other steps have been taken or legal proceedings started
by or against me in any Court of law which will materially adversely impact the availability /
repayment of loan.
4. I acknowledge that the rate of interest on the applied loan to the Lender which is currently
fixed and would be dependent upon market factors, which would be subject to change from
time to time.
5. I understand and acknowledge that the Lender, shall has the absolute discretion, without
assigning any reasons may reject our application and the Lender, not responsible / liable in
any manner whatsoever to me for such rejection and any costs, losses, damages or expenses
or other consequences caused by such rejection of loan application.
6. I understand and acknowledge that in case of rejection of my application, documents
submitted for the processing of my application shall not be returned to me.
7. I agree that the processing fees paid to the Lender or collected, shall not be refunded under
any circumstances if my application for loan is rejected by the Lender on any ground
whatsoever.
8. I We undertake to inform the Lender, regarding any change in my occupation /business/
employment/residence address.
9. I hereby undertake and provide my consent for sharing my details with Central KYC
Registry and/or with credit bureau and/or with regulators in terms of the applicable
laws/regulations. I hereby consent and authorised the Lender to receive KYC information
from Central KYC Registry or from UIDAI for verification and e-signature.
10. I undertake to inform that the funds shall be used for the purpose for which loan has been
applied and will not be used for any improper/illegal/ unlawful purposes.
11. I unconditionally agree and accept that such data which is so provided are inconsistent
may be construed as fraud/cheating/forgery/manipulation/fabrication of documents and agree
that The Lender shall have every right for reporting such Fraud to RBI and/or any other
entities/authorities and shall have liberty to not to process the Loan application/rejecting the
loan application and also taking the necessary action as prescribed by the RBI/or any other
entities/authorities.
12. I hereby authorize the Lender, its channel partners, agencies and/or affiliates to
communicate with me by email, call, SMS, electronic communication using digital media and

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other channels or via any other means in relation to any of the products, services or
information of the Lender.
13. I am aware that my loan account is governed by various policies of the Lender and other
important information/Key Fact statement/MITC which are amended from time to time as per
directives from RBI, and that the same can be accessed through the Lender’s website i.e.,
www.thanvirbros.in. I shall keep my credentials including the login id and password/PIN
issued by the Lender and/or reset by me (“Credential”) as confidential and not to share the
same with any person/third party. Any use or misuse of the credentials including the
transactions carried out using the credentials shall be my sole responsibility and the Lender
shall not be held responsible for any loss/damage incurred on account of such use or misuse.
Contact Us: If you have any questions regarding the App, you can email us at
help@trustpaisa.com
Amendment:
The Lender may, in its sole discretion, change or modify loan terms and conditions of at any
time, with or without notice. Such changes or modifications shall be made effective for all
Users/Applicants/Co- applicants/Customers upon posting of the modified terms to the
Platform. You/customer is responsible to read this document from time to time to ensure that
your use of the Services remains in compliance with this T&C.

Location:Latur
14:36:39 IST 2023
SANCTION LETTER
This is with reference to your request for SHORT TERM UNSECURED LOAN submitted to M/s.
Thanvir Bros Private Limited via TrustPaisa mobile App/Web app (Platform) maintained by Lending
Service Provider (LSP) FLEXIDIGITAL TECH INDIA PVT LTD (formerly known as Fingular Tech India
Pvt Ltd) on 27-12-2023. We have great pleasure in welcoming you to our family and thank you for
choosing us for your SHORT-TERM UNSECURED LOAN requirement.
With reference to your above ref application, and based on the information provided therein, we, M/s.
Thanvir Bros Private Limited are pleased inform you that your loan has been sanctioned subject to the
terms and conditions specified here under:
KEY FACT STATEMENT
1 DATE OF LOAN APPLICATION 27-12-2023
2 LOAN APPLICATION NUMBER 3333090550
3 CUSTOMER/BORROWER NAME Manisha Vijay Surywanshi
4 GENDER FEMALE
5 MOBILE NUMBER +918007981499
6 EMAIL ID manishasurywanshi91@gmail.com
7 ADDRESS -
PERSONAL LOAN (NON-MICROFINANCE WITH
8 LOAN TYPE CUSTOMER HOUSEHOLD ANNUAL INCOME
MORE THAN INR 3,00,000)
PROOF OF IDENTITY: PANCARD
10 HFOPS6843R
NUMBER
PROOF OF ADDRESS: AADHAAR
11 755444287167
CARD NUMBER
LOAN SANCTION AMOUNT /
DISBURSEMENT TO CUSTOMER
ACCOUNT NUMBER WITH
12 THANVIR BROS PVT LTD INR 2500
(AMOUNT TO BE DISBURSED TO
THE BORROWER LOAN
ACCOUNT)
UPFRONT FEE CHARGES
13 NIL
PAYABLE BY CUSTOMER
NET DISBURSED AMOUNT TO
14 INR 2500
CUSTOMER BANK ACCOUNT
ALL IN COST FOR LOAN PRINCIPAL INR 2500
APPLICATION / INTEREST INR 75
15 BREAKUP OF EACH COMPONENT ACCOUNT
TO BE MANAGEMENT INR 863
GIVEN FEE
TOTAL AMOUNT TO BE PAID BY
16 INR 3593
BORROWER ON DUE DATE(S)
ANNUAL PERCENTAGE
RATE(APR) - EFFECTIVE
17 ANNUALISED INTEREST RATE IN 456
% TERM (Interest plus Account
Management Fee)
ANNUAL PERCENTAGE
18 RATE(APR) - EFFECTIVE 516
ANNUALISED INTEREST RATE IN

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% TERM (Interest plus Account

Management Fee plus Late Payment
Fee)
19 LOAN TENURE (DAYS) 30
REPAYMENT FREQUENCY BY THE
20 ONE
BORROWER
NUMBER OF INSTALLMENT FOR
21 ONE
REPAYMENT
EMI payable /Amount of each
3593
instalment of repayment
INTEREST TYPE APPLICABLE FOR
22 LOAN FIXED
ACCOUNT
APPLICABLE INTEREST RATE IN %
23 PER 37%
ANNUM
Total interest charged during
3.0%
the entire tenure of the loan
DETAILS ABOUT CONTINGENT CHARGES, OVER AND ABOVE THE ONE WHICH IS
24
MENTIONED HERE IN BELOW
NO PREPAYMENT FEE SHALL BE CHARGED.
a) PREPAYMENT FEE ONLY RECEIPT OF ACCRUED INTEREST AND

SERVICE FEE SHALL BE CHARGED AT THE TIME
OF PREPAYMENT
FEE REFUNDABLE IF LOAN NOT
b) NO FEES BEING CHARGED
SANCTIONED / DISBURSED
60%
RATE OF ANNUALISED LATE
c) CHARGES IN The above rate of annualised late charges in case of
CASE OF DELAYED PAYMENTS delayed payments is applicable included in the APR
computation mentioned.
0.15% per day for 30 days to be accrued on a daily
basis on the monthly EMI with 2 repayment schedule
basis on the monthly EMI with 3 repayment schedule
d) LATE PAYMENT FEE TABLE
basis on the originated principal amount on loans with
single repayment schedule
Conversion charges for switching
from floating to fixed interest and Option Not applicable for present loan product
vice-versa
COOLING PERIOD - BORROWER
CAN REPAY THE PRINCIPAL
THREE CALENDAR DAYS FROM THE LOAN
25 AMOUNT WITHOUT ANY
DISBURSEMENT DAY
INTEREST OR
OTHER APPLICABLE CHARGES
ONLY THE PRINCIPAL AMOUNT BORROWER CAN
AMOUNT PAYABLE DURING REPAY THE PRINCIPAL AMOUNT AND
26 LOOKUP / PROPORTIONATE OF INTEREST ARP WITHOUT
COOL OF PERIOD ANY OTHER PANELTY OR APPLICABLE
CHARGES
NO OF TIME LOANS CAN BE 1

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REAPPLIED IF CLOSED DURING

COOL OFFER PERIOD
APPLICATION GAP PERIOD
BETWEEN 2 LOANS REQUEST IF
1 DAY
LOAN CLOSED DURING COOL OFF
(POST 27)
Details of security/collateral
NIL
obtained
https://trustpaisa.com/ (WEBSITE / MOBILE
27 DIGITAL LENDING APP
APPLICATION)
DETAILS OF LENDING SERVICE
PROVIDER
(LSP) ASSISTING THANVIR BROS
28 PVT LTD [FLEXIDIGITAL TECH INDIA PVT LTD]
WITH CUSTOMER ON-BOARDING,
CUSTOMER SERVICE AND
CUSTOMER REPAYMENTS
29 CUSTOMER BANK NAME Ujjivan Small Finance Bank Limited
CUSTOMER BANK ACCOUNT
30 4493110010008294
NUMBER
31 IFSC OF CUSTOMER BANK UJVN0004493
32 REFERENCE NAME 1 Vijay Surywanshi
REFERENCE NAME 1 MOBILE
33 +917385842177
NUMBER
Relationship with Reference 1 PARENT
34 REFERENCE NAME 2 Suraj Parve
REFERENCE NAME 2 MOBILE
35 +917498338989
NUMBER
Relationship with Reference 2 FRIEND
36 NBFC NAME THANVIR BROS PVT LTD
1. For FLEXIDIGITAL TECH INDIA PVT LTD (LSP)
Name: Pushkar
Name, designation, email address Designation - Grievance Officer
and phone number of nodal Mob No: +91 8376901964
Email: help@trustpaisa.com
grievance redressal officer
37
designated specifically to deal with 2. For Thanvir Bros Pvt Ltd (NBFC)
FinTech/ digital lending related Name: Sumit
complaints/ issues Designation: Customer Service Department
Mob No: +91 9477664928
Email: cc@ thanvirbros. in
Terms and Conditions:

1. The rate of interest is arrived at based on the weighted average cost of funds,
administrative costs, risk premium and profit margin. The decision to extend
the loan and the interest rate applicable to each loan account is assessed on
a case to case basis, based on multiple parameters such as purpose of the
loan/the type of the asset being financed if any, borrower profile and
repayment capacity, borrower’s other financial commitments, past repayment
track record if any, loan to value ratio, mode of payment, tenure of the loan,
geography (location) of the borrower, end use of the asset etc. Such

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information is collated based on borrower inputs and field inspection by the

lender or surveys.
2. Lender reserves its right to withdraw and/or amend any of the terms and
conditions hereof (including to reduce or cancel the loan) at its sole discretion,
in the event of any change in circumstances and/or downgrading of credit
score of the Borrower.
3. In case of any credit facility remaining unutilized, Lender shall have the right
in its absolute discretion to revoke and cancel, the unutilized portion of the
sanctioned limit without assigning any reason thereof after giving prior notice
to the Borrower.
4. Nothing contained in this sanction letter shall be deemed to create any right
or obligation or interest whatsoever in favour of or against any party and the
Borrower shall be liable to execute appropriate loan documents as required
by Lender. The applicable Stamp duty, if any on the loan documents shall be
borne and paid by the Borrower.
5. Lender reserves the right to review the facilities periodically with revised
terms at its sole discretion.
6. This sanction shall stand revoked and cancelled without any notice, if there
are material changes in your financial performance, any material facts
concerning borrower’s ability to make payments under the Loan document or
any relevant aspects of its request for loan facility are withheld, suppressed,
concealed, or are found to be incorrect or untrue or undisclosed new
information comes to the knowledge of the lender effecting credit.
7. This Sanction Letter will form part and parcel of the Loan
documents/Agreement. This Sanction Letter is subject to completion of all
pre-disbursement conditions as required by Lender.
8. The borrower/co-borrower shall notify Lender immediately of any:

a. Lawsuits, government proceedings or claims which, individually or in
the aggregate involve an amount exceeding 20% of the borrower’s/co-
borrower’s net worth or which may impair the borrower’s ability to
perform its loan obligations,
b. Occurrence of any event of default or any event which with the
passage of time or the giving of notice may result in an Event of
Default.

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9. Borrower accepts, confirm and consents for the disclosure and sharing by
Lender of all or any information and data relating to the borrower, the
facilities, any other transactions that the Borrower has with Lender, the
Borrower’s account, and the agreements and documents related to the loan
and transactions including but not limited to information relating to default, if
any, committed by the borrower in the discharge of the Borrower’s obligation
in relations to the loan or other transactions as Lender may deem appropriate
and necessary to disclose and furnish to the Reserve Bank of India and/or to
the Credit Information Bureaus and/or any other agency or body as
authorized in this behalf by RBI, to other bank and lender including assignees
and potential assignees, to its professional advisors and consultants and to its
service providers in relations to the loan and/or as required under law or any
applicable regulation, at the order of a court of law or at the request or order
of any statutory or regulator or supervisory authority with whom Lender
customarily complies.
10. Following are modes through which customers can raise a complaint
a. Email – Customer can write to us at help@trustpaisa.com
b. Website – Customer can find Grievance Redressal Mechanism of Service
Provider at below link: https://trustpaisa.com/grievance/
c. Website – Customer can find Grievance Redressal Mechanism of Lender
at below link: https://thanvirbros.in/policies/
This document is digitally generated and hence does not require any signature or
seal.
For any clarifications, please reach out to help@trustpaisa.com
Repayment Schedule
Instal Outstanding Principal Interest Account Management Repay

ment Principal (INR) (INR) Fee + GST (INR) ment
No (INR) Amount
(INR)
1 2500 2500 75 1018 3593

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LOAN AGREEMENT
This Loan agreement executed on the day, month and year set out in the Schedule-I hereto by the
Borrower whose name and address is stated in the Schedule-I, hereinafter referred to as the
“Borrower” (which expression shall unless the context otherwise requires, includes the applicant
his/her/their legal heirs, executors, administrators) of One Part.
In favour of Thanvir Bros private limited, having registered office at Flat 43, 1st Floor, Palace court 1
kyd street Kolkata WB 700016 hereinafter referred to as the “Lender” (which expression shall unless
the context otherwise requires, includes the its successors and assigns) of other Part.
The Borrower and the Lender are hereinafter collectively referred to as “Parties” and individually as
the “Party”
WHEREAS:
1. The Lender is a registered NBFC and is in the business of providing financial support required to
its customer(s) for the purpose of extending loans in India and also extending financial facilities
through digital lending platform through its authorised Lending Service Provider partners (LSP).
2. The Borrower represented that he/she intends to avail the financial assistance and submitted an
application through webapp/Mobile app (“Platform”) whereof more fully set out in the schedule-II
herein, based on the request and representations of the borrower, the Lender has agreed to
grant/granted the financial assistance to the borrower for the purpose mentioned therein subject to the
terms and conditions of this agreement.
The Borrower hereby irrevocably and unconditionally agrees to abide by the

following terms and conditions:
1. DEFINITIONS: "Account" means the bank account/any other relevant account of the
Borrower where the Loan disbursement is requested and more specifically provided under the
Application Form; "Application Form" means the loan application form submitted by the
Borrower to the Lender for applying for this loan, together with all other information ,
particulars, clarifications and declarations, if any, furnished by the Borrower in connection with
this loan and sanctioned by the lender.; Annual Percentage Rate (APR) - APR means all-
inclusive cost of digital loan applied for the loan which is morefully set out in Key Fact
Statement.; “Agreement” shall mean this Loan agreement executed by the Borrower in favour
of the Lender which governing the terms and conditions of the Loan , Application Form,
sanction Letter and other loan documents executed by the Borrower in favour of the Lender
relating the Loan including any amendments made to them from time to time.; "Due Date"
means such date on which loan repayment becomes due and payable under the terms of the
Transaction Documents as specified by the Lender; "Loan" means disbursement made under
this Loan Agreement;” Interest Rate “ means the fixed interest rate as specified at the time of
applying for Loan and morefully set out in Schedule II (Schedule of Charges) of this
agreement and sanction letter; "Tax" means any tax, Goods and Service Tax ("GST"), levy,
impost, duty or other charge or withholding of a similar nature (including any penalty or
interest payable in connection with any failure to pay or any delay in paying the same); and
Capitalized terms not defined herein, shall have the meaning ascribed to such terms under
the Application Form; Loan Application Form, Standard Term, MITC is together referred as
"Transaction Document". Unless otherwise specified in our banking arrangement, interest is
calculated based on a 365 day year basis except in case of leap year when it will be 366 day
year.

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2. DISBURSEMENT : The Borrower authorises the Lender to disburse proceeds of the loan to
his/her bank account as specified in the Schedule II or through such other mode as the lender
deems fit in this regard. Disbursement made under this loan agreement shall mean any
payment of the Loan Amount, or any part thereof, made by the Lender to the Borrower via
RTGS transfer/ NEFT/ electronic mode of payments and the charges, if any, in respect of all
such mode of payments shall be borne by the Borrower; Notwithstanding anything contained
in these Terms & Conditions, Interest shall begin to accrue in 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 on which the Loan amount is transferred by the Lender to the
designated account by RTGS/NEFT as the case may be irrespective of the time taken in
transit/collection by the Borrower ; The Loan Amount, or any part thereof, shall be disbursed
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 Terms & Conditions of the Loan with such notice to the
Borrower ; Any disbursal request made by the Borrower shall form an integral part of this
Terms & Conditions; The Borrower undertakes to acknowledge the receipt of Disbursement in
the form acceptable to Lender; Lender shall be entitled, at its sole discretion, to advance or
postpone any Disbursement, either at the request of the Borrower, or otherwise.
3. COOLING OFF/LOOK-UP PERIOD: If the Borrower disagrees with any of the terms of Loan,
he/she has an option to cancel the Loan within three (3) days of disbursement of Loan subject
to repayment of entire Loan amount along with proportionate APR, upon such full repayment
the Loan account will be cancelled. The Borrower agrees that processing fee will not be
refunded in case of such cancellation. All the rights under this Loan shall stand extinguished
immediately on the cancellation of the Loan and successful repayment of the Loan amount.
4. LOAN TERM, REPAYMENT, RATE OF INTEREST AND OTHER CHARGES : The Loan Term
shall be the period as stated in the Schedule -II 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”) ;
The Borrower shall promptly repay the loan amount along with applicable interest in
accordance with the terms set out in the repayment schedule (“Repayment Schedule”); The
Lender shall not be required to give any notice, reminder or intimation to the Borrower
regarding his/her obligation in respect of Borrower’s dues and it shall be the Borrower’s
responsibility to ensure prompt and regular payments to the Lender. Instalments shall be
rounded off to the next higher Rupee ; In case of an event of default to pay the EMI/instalment
within the due date the Borrower shall agree to pay penal on the overdue amount, for the
period from (and including) the original Due Date for payment to (but excluding) the date of
actual payment, at the Additional Rate of Interest which is morefully set out in Schedule-II.
The Borrower acknowledges and agrees that the rates of interest specified in the Transaction
Documents are reasonable and that they represent genuine pre-estimates of the loss
expected to be incurred by the Lender in the event of non-payment by the Borrower; and 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 ("RBI") and other factors
impacting the interest rates. The Borrower shall bear all Taxes in connection with the
Transaction Documents (as applicable). If any such cost is incurred or paid by the Lender,
Borrower shall forthwith reimburse the same. In the event of the Borrower failing to pay the
monies referred to above, the Lender shall be at liberty (but shall not be obliged) to pay the
same by directly debiting the account of the Borrower or otherwise subject to reimbursement
of all costs I incurred by the Lender.

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5. MODE OF PAYMENT: The loan may be repaid by the Borrower through any of the modes
specified in the Schedule. In case of the repayment through standing instruction (“SI”)/NACH,
the Borrower authorises the lender to debit his/her bank account (as provided in the
Schedule) towards the EMI/instalment/outstanding amount. The Borrower can be asked to
provide the security post-dated cheques (“SPDC”) to enable the lender to recover the
overdue/outstanding loan amount. The Borrower shall not be entitled to cancel or issue stop
payment instruction with the respect to the mode of payment as opted/provided by the
Borrower as long as the loan is outstanding and any such act of the Borrower shall be
deemed to an act of criminal breach of trust and cheating . Further, the lender shall be entitled
to initiate appropriated criminal proceedings including but not limited proceedings under
Negotiable Instruments Act, 1881, payment and settlement systems act 2007 and Indian
Penal Code, 1860 against the Borrower.
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 or there is change in NACH mandated bank of the Lender. 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.
The Borrower shall make payment as per Due Date. The Borrower shall not prepay the
outstanding principal amounts of any of the Loan(s) in full or in part, before the Due Dates,
except during cool off period or with the prior written consent of the Lender and subject to
payment of applicable pre-payment charges as specified in the Schedule-II. All payments
shall be made in freely transferable funds without any set off, counter claim or any deduction
(except to the extent that the Borrower is required by law to make payment subject to any Tax
deduction at source under the applicable law). In case any such deductions are made the
Borrower agrees to deliver to the Lender, within 10 (ten) days of the payment being made,
satisfactory evidence that the Tax has been deducted at source and duly remitted to the
appropriate authority.
6. PROCESSING FEES/GST AND OTHER APPLICABLE CHARGES: The Borrower agrees to

pay a one-time, non-refundable processing fee (if mentioned on sanction) at such rate as
specified in the sanction letter and Schedule-II herein. Such processing fee shall be deducted
during disbursement. The Borrower agrees to incur applicable stamp duty charges and
documentation charges (if any) as provided in the Schedule. GST and other statutory duties,
wherever applicable, shall be charged extra as per the applicable rates, on all the applicable
charges and fees.
7. APPROPRIATION OF PAYMENTS: Notwithstanding any of the provisions of the Indian

Contract Act, 1872 or any other applicable law or anything contained in the loan Documents,
the amounts repaid by the Borrower shall be appropriated first towards cost, charges and
expenses and other monies; secondly towards interest on cost charges and expenses and
other monies; thirdly towards interest on the delayed payments; fourthly towards interest
payable under the loan Documents and lastly towards repayment of any principal amounts.
The Borrower shall from time to time, if required by the Lender, provide security, in a form and
manner satisfactory to the Lender.
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
these terms and Conditions.

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8. REPRESENTATIONS AND WARRANTIES : The Borrower makes the representations and

warranties hereunder to the Lender (i)The Borrower has the competence to enter into and
perform under the loan Documents; (ii) The Loan once granted by the Lender under loan
Documents constitutes legal, valid and binding obligations of the Borrower enforceable in
accordance with its respective terms; (iii) The Borrower is in compliance with all laws
(including laws relating to environment, social and labor, Tax, anti-corruption and anti-money
laundering, anti-bribery) applicable to it; (v) The loan Documents, do not and will not conflict
with any law; or (b) with any document which is binding upon the Borrower or any of its asset;
(vi) Except to the extent disclosed to the Lender, no litigation, arbitration, administrative or
other proceedings nor has the Borrower been declared to be a willful defaulter or a non-
cooperative Borrower (vii) All information communicated to or supplied by or on behalf of the
Borrower to the Lender, are true and fair and correct and complete in all respects as on the
date on which it was communicated or supplied; and (b) Nothing has occurred since the date
of communication or supply of any information to the Lender which renders such information
untrue or misleading in any respect. (viii) The Borrower shall provide and complete payment
mandates, as and when requested by the Lender, to the Lender or to the Delegate (ix) The
Borrower shall not use the fund for purchase of gold in any form or bribe any person and for
illegal purpose (x) The Borrower shall ensure that the obligations under the loan Documents
shall at least rank pari passu with all its unsecured and unsubordinated obligations.
9. DISCLOSURE: The Lender reserves the unconditional right to cancel the loan sanctioned
without giving any prior notice to the Borrower. The Parties further agree that the Lender shall
have the right to disclose or publish any information regarding the Borrower or guarantor(s) (if
any) and any information and documents that it might possess to: (a) any of its branches or
with other banks, financial institutions, Credit Information Bureau of India Limited, credit
reference or rating agencies/bureaus or other individuals/entities either in response to their
credit inquiries directed to the Lender or in the event of the Borrower not complying with any
terms and conditions herein or otherwise and (b) the Reserve Bank of India and/or any other
statutory authority or official of the Government of India or that of any other state. (c)
Investigate and declare the borrower wilful defaulter or fraud as per applicable regulatory
guideline/circulars of government of India/RBI.
10. SET-OFF AND COUNTERCLAIM: All payments made by the Borrower under this Terms &
Conditions shall be made without any deduction, set off or counterclaim other than any
deduction which is required mandatorily under any law. The lender shall have the paramount
right of lien and set off, irrespective of any other lien or charge, present or future on the
amount of any kind and nature held or balances lying in any accounts of the Borrower,
whether held singly or jointly, and on any monies, securities, bonds and other assets,
documents and properties held by /under the control of the lender to the extent of all
outstanding dues arising under this Agreement. The lender shall be entitled to exercise such
set-off or lien without prior notice to the Borrower. The lender’s right hereunder shall not be
affected by the Borrower’s insolvency or bankruptcy.
11. EVENTS OF DEFAULT: The Borrower shall be deemed to have committed an act of default
on the occurrence of inter- alia but not limited to, any one or more of the following events
(hereinafter referred to as "Event of Default"): (i) Default has occurred in the payment of any
monies in respect of this Loan on the due date (whether at stated Due Date, by acceleration
or otherwise) under the terms of the loan Documents (ii) Default (other than a payment
default) has occurred in the performance of any covenant, condition, agreement or obligation
on the part of the Borrower under the loan Documents and such default has continued for a
period of 10 (ten) days after notice in writing thereof has been given to the Borrower or as the
case may be, to such other person, by the Lender (except where the Lender is of the opinion
that such default is incapable of remedy, in which event, no notice shall be required). (iii)
Breach of any representation, warranty, declaration or confirmation made or deemed to be

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made under the loan Documents; (iv) Death of the Borrower or termination of the agreement
between the Borrower and the Platform provider or blacklisting from the platform provider or
the Security provided by the Borrower hereunder is under jeopardy. (v) The Borrower has, or
there is a reasonable apprehension that the Borrower would, voluntarily or involuntarily
become the subject of proceedings under insolvency law; (vi) Borrower is unable or has
admitted in writing its inability to pay any of its indebtedness as and when they mature or
become due upon becoming aware of the default the steps (vii) An event of default
howsoever described occurs under any agreement or any indebtedness of the Borrower
becomes, or becomes capable at such time of being declared, due and payable under such
agreements before it would otherwise have been due and payable.
12. CONSEQUENCES OF EVENT OF DEFAULT : Upon occurrence of any Event of Default the
Lender shall be entitled at its absolute discretion to inter alia call upon the Borrower to pay
forthwith the outstanding balance of this Loan together with interest and all sums payable by
the Borrower to the Lender under the loan documents; and call upon the Borrower to pay all
claims, costs, losses and expenses including legal cost and counsel fee that may be incurred
by the Lender because of any act or default on the part of the Borrower under the Transaction
Documents.
13. INDEMNITY: The Borrower shall, indemnify and keep the Lender harmless against any cost,
loss, damages, expenses, liability (including without limitation, liability under Tax laws whether
in form of Tax, interest, penalty or otherwise or third-party claims (including legal fees)
incurred by the Lender arising out of or in connection with this loan and /or due to any breach
under the Transaction Documents. The Borrower shall promptly notify the Lender of any
breach of any representations, warranties, covenants, undertakings or any other terms of
these Standard Terms together with the steps taken to remedy it. Upon the breach being
reported, the Lender may, without prejudice to any of its rights under law or contract, in its
sole discretion recommend implementation of corrective measures to remedy such breach in
a form, manner and time as may be necessary or desirable to the Lender.
14. DELEGATION: The Lender without prejudice to its rights to perform such activities itself or
through its office employees, be entitled to delegate to such person(s)/Service provider(s) the
right and authority to perform and execute all such acts, deeds, matters and things connected
herewith, or incidental thereto, as the Lender may deem fit. The Borrower recognizes, accepts
and consents to such delegation. The Borrower, (for its ease of operation and convenience)
requests to the Lender that below mentioned functions may be performed through the
Delegate (whether through its technology solutions or otherwise), which the Lender may in its
sole discretion choose to allow: (i) transmission of the Drawdown Request from the Borrower
to the Lender (ii) collection of certain deeds, documents, instrument or information and (iii)
collection towards repayments in a form and manner agreeable by the Lender. The Parties
further agree that Borrower shall promptly provide upon request of the Lender any further
document/information as may be required by the Lender, including but not limited to the end
user certificate and shall only use the Facility for the Purpose.
It is clarified that the lender shall be accountable for inappropriate behaviour by the Service
Providers and shall facilitate timely redressal of grievance to the Borrower. The Borrower may
contact the call centre of the Service provider by writing an email to help@trustpaisa.com .
The Borrower may further contact the lender if he/she is not satisfied with the response
offered by the Service provider. Grievance Redressal policy with contact details of concerned
persons is available at https://thanvirbros.in/policies
15. STATEMENT OF ACCOUNT: The Loan account statement shall be available in the Platform
and will be sent to the verified email of the Borrower. Any discrepancy in the Loan statement

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of account should be brought to the notice of the lender within seven (7) days of receipt by the
Borrower.
16. NOTICE: Any notice or request to be given or made by a party to the other shall be in writing
and email communication to the registered email id’s/Address.
17. ASSIGNMENT: a) The Borrower accept that the lender has the authority to sell, assign
or securitize the Facility or any rights under this Agreement/loan document along with
underlying securities/payment instruments without providing any notice to the Borrower, to
any person(s), collection agency(ies) or institution/ institutions and the Borrower agrees to
repay the outstanding loan amounts as per the terms and conditions of this Agreement/loan
documents to such assignee/ other person, agency or institution as directed by the lender.
The Borrower shall not have the right to assign or transfer all or any of its rights, benefits or
obligations under this Agreement/loan documents.
18. GOVERNING LAW & JUSRISDICTION: a) All the disputes between the Borrower and the
lender in connection with the loan Documents or as to the rights and liabilities of the parties
shall be settled by a sole arbitrator as appointed by the lender, in accordance with the
Arbitration and Conciliation Act, 1996, or any statutory amendments thereto. The arbitration
proceedings shall be in English language and the place of arbitration shall be Kolkata. Cost of
arbitration shall be borne by the Borrower. Notwithstanding the foregoing, the lender reserves
the right to approach any court, tribunal or other appropriate forum of competent jurisdiction
as the lender deems fit in connection with any dispute arising out of the loa Documents. This
Agreement shall be governed by laws of India and subject to exclusive jurisdiction of courts at
Kolkata.
19. CONSENT TO ELECTRONIC DELIVERY AND DIGITAL SIGNATURE: Borrower(s)

specifically agree to execute, receive and/or obtain any and all loan related documents
"Electronic Communications" (as defined herein) via lender or its authorised e-signature
facility /service provider. The term "Electronic Communications" includes, but is not limited to
any and all current and future letters/communications relating to the loan sanction letter, loan
terms and condition/Key Fact statement, MITC, welcome letter., etc. Borrower accept
Electronic Communications provided via lender or its authorised service provider as
reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and
agree that such electronic form fully satisfies any requirement that such communications be
provided to the Borrower in writing or in a form that Borrower may keep.
Digital Signature: The Information Technology Act, 2000 provides legal recognition to
electronic documents and documents executed through electronic /digital signatures, this
agreement digitally executed by the Borrower(s) through Aadhaar authentication and other
loan documents related hereto are legally binding in the same manner as are hard copy
documents executed by hand signature.
The Borrower(s) hereby state that he/she is/are resident of India has no objection in
authenticating his/herself with Aadhaar based authentication system and provide his/her
Aadhaar number, biometric and/or OTP data and/or similar authentication mechanism for
Aadhaar based authentication for the purpose of availing the services from the lender.
20. e-mandate/e-NACH/e-SI: the Borrower hereby on behalf her/himself authorise and provide
consent for use of Aadhaar number for authentication and use of Aadhaar by the lender or its
authorsied service provider to use aadhaar/Virtual ID details (as applicable) for digital
signature/electronic signature of this loan agreement/documents pertains to thereto and
authenticate borrower(s) identity through the Aadhaar authentication system in accordance

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with the provisions of the Aadhaar Act and allied rules and regulations and for no other
purpose.
21. Borrower confirms that he/she has read the Key Fact Statement and MITC along with other
documents and clearly understand the repayment amount and Annual Percent Rate (ARP)
and contingent cost/fees he has to pay incase he/she fails to repay the loan as per repayment
schedule.
22. Borrower acknowledges and accepts the following documents which will also be forwarded to
the registered email id of the borrower along with this loan agreement:
a. Loan Sanction letter with Terms and Condition of loan
b. Terms and conditions of this Loan Agreement
c. Privacy Policy of NBFC:
https://thanvirbros.in/wp-content/uploads/2022/05/8_thanvir_privacy.pdf
d. Privacy Policy of LSP: https://trustpaisa.com/privacy-policy
--- xxxxx ---

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MOST IMPORTANT TERMS & CONDITIONS (MITC)
We refer to the application form dated ("Application Form") for grant of this Loan and sanction letter
dated 27-12-2023
The Borrower acknowledges and confirms that the information mentioned in Online Loan Application
Form filled through https://trustpaisa.com/ (WEBSITE / MOBILE APPLICATION) (Digital Lending
APP / DLA) are true and he accepts the most important terms and conditions in the application for this
Loan.
The Borrower understands that the Lender has adopted risk-based pricing, which is arrived by taking
into account, broad parameters like the customers financial and credit profile. Applicable interest rates
are arrived at taking into account the prevailing market rates at the time of sanctioning. The Borrower
acknowledges and confirms having received a copy of each Transaction Document and agrees that
this letter also forms part of the Transaction Document.

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DEMAND PROMISSORY NOTE DATE:
27-12-2023
I, the Manisha Vijay Surywanshi, hereby promise and undertake to pay Thanvir Bros Pvt. Ltd. (the
Lender) or its order, unconditionally and on demand, the principal amount of Rupees INR 3593 for
value received.
I further undertake to repay the principal amount and applicable interest and service fees (plus
applicable GST on service fees) mentioned in full by 26-01-2024.
Provided however, the Lender or its order shall be entitled to: (a) give notice of its intention to demand
and charge penalties, charges and other levies as it may specify and notify from time to time, and/or
(b) reduce the principal amount repayable under this promissory note by me

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14:36:39 IST 2023

Loan Application Form: Thanvir Bros. Pvt. LTD

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THANVIR BROS. PVT. LTD.

LOAN APPLICATION FORM

CUSTOMER NAME Manisha Vijay Surywanshi

MOBILE NUMBER +918007981499

DATE OF LOAN APPLICATION 27-12-2023

PERSONAL LOAN (NON-MICROFINANCE WITH CUSTOMER

PANCARD NUMBER HFOPS6843R

AADHAAR CARD NUMBER 755444287167

PURPOSE OF LOAN personal

CUSTOMER BANK NAME Ujjivan Small Finance Bank Limited

CUSTOMER BANK ACCOUNT NUMBER (For

IFSC OF CUSTOMER BANK UJVN0004493

REFERENCE NAME 1 Vijay Surywanshi

REFERENCE NAME 1 MOBILE NUMBER +917385842177

REFERENCE NAME 2 Suraj Parve

REFERENCE NAME 2 MOBILE NUMBER +917498338989

LSP NAME FLEXIDIGITAL TECH INDIA PVT LTD (WWW.TRUSTPAISA.COM)

NBFC NAME THANVIR BROS PVT LTD

Digitally Signed by:

Digitally Signed by:

Digitally Signed by:

Digitally Signed by:

% TERM (Interest plus Account

a) PREPAYMENT FEE ONLY RECEIPT OF ACCRUED INTEREST AND

Digitally Signed by:

REAPPLIED IF CLOSED DURING

Terms and Conditions:

Digitally Signed by:

information is collated based on borrower inputs and field inspection by the

8. The borrower/co-borrower shall notify Lender immediately of any:

Digitally Signed by:

Instal Outstanding Principal Interest Account Management Repay

Digitally Signed by:

The Borrower hereby irrevocably and unconditionally agrees to abide by the

Digitally Signed by:

Digitally Signed by:

6. PROCESSING FEES/GST AND OTHER APPLICABLE CHARGES: The Borrower agrees to

7. APPROPRIATION OF PAYMENTS: Notwithstanding any of the provisions of the Indian

Digitally Signed by:

8. REPRESENTATIONS AND WARRANTIES : The Borrower makes the representations and

Digitally Signed by:

Digitally Signed by:

19. CONSENT TO ELECTRONIC DELIVERY AND DIGITAL SIGNATURE: Borrower(s)

Digitally Signed by:

Digitally Signed by:

MOST IMPORTANT TERMS & CONDITIONS (MITC)

Digitally Signed by:

DEMAND PROMISSORY NOTE DATE:

Digitally Signed by:

Digitally Signed by:

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