Date: 2024-03-21

Sanction Letter Reference No: 6443129

Name: Mr./ Ms. GAURAV SONDHI ("Borrower(s)" or "you")

Application form bearing No.: ----

Dear GAURAV SONDHI,

Subject: Sanction Letter

1. We, PayU Finance India Private Limited (" PayU Finance" or "Lender"), refer to the application form
submitted by the Borrower(s) (as specified above) requesting PayU Finance to grant a credit facility for an
amount and purpose as submitted by the Borrower(s) by way of the application form.

2. Pursuant to your application, PayU Finance has evaluated your case and is issuing this non-binding
sanction letter containing some indicative terms and conditions of the credit facility proposed to be
granted to the Borrower(s), as more particularly specified in the Annexure to this sanction letter.

3. The grant of the credit facility is subject to: (a) acceptance of the terms and conditions specified in this
sanction letter, (b) the Borrower(s) executing the definitive facility documents in favour of PayU Finance,
in a form and manner acceptable to PayU Finance, (c) there being no adverse findings in your credit
evaluation by PayU Finance, and (d) satisfactory conclusion of the know your customer (KYC) and any other
checks by PayU Finance.

4. This sanction letter is not and shall not be construed as a commitment from PayU Finance or any of its
affiliates or service providers or agents or business partners to enter into any financing transactions with
the Borrower(s) or to grant any credit facility to the Borrower(s) or arrange any financing for the
Borrower(s). PayU Finance reserves its right to cancel and repudiate or not act on this sanction letter, at
any time without notice and without giving any reason to you.

Yours faithfully,

For PayU Finance India Private Limited:

Name: [ PRASHANTH RANGANATHAN ]

Designation: [ CEO ]

PayU Finance India Private Limited

Registered Office Empresa Building, Office No.
102 Second Road, Khar West, Mumbai,
Corporate Office 9th Floor, Bestech Business
Maharashtra, 400 052 INDIA Telephone: 022-
Tower, Sohna Road, Sector-48, Gurgaon, Haryana
26000868 Email: info@payu.in CIN:
122002 INDIA 0124-6624800/900 Website:
U65910MH1992PTC068664
www.payufin.in/

Clickwrap sign verified by

GORAV SONDHI
on 2024-03-21 (Date) & Time 21:26
via Mobile Number 9560399101
IMEI Number 860913047020154
Declared Location SOUTH DELHI
Customer IP 192.0.0.1
At Latitude: 28.584, Longitude:
SIGNATURE OF BORROWER: GORAV SONDHI Date: 2024-03-21 Place: SOUTH DELHI 77.244
C26827-L6443129 LPI L19-A105000:149999-T24:24-CM030-P001-S001-I29-R6930
C26827-L6443129 LPNI PA00:00|TN00:00|AS00:00~AD00:00
 Annexure
Terms and conditions of the sanction

Customer identification number ----

Name of the Borrower GAURAV SONDHI

Name of the Co- Borrower

Purpose OTHER
Credit Facility amount applied for INR. 120000
Sanctioned Credit Facility amount INR. 120000
Tenure 24

Rate of Interest (% per annum on 28.95

reducing balance)/yearly
Processing Fees INR. 4800 (excluding GST)

Installment amount and frequency The credit facility, if granted, will be required to be paid/repaid by
the Borrower(s) in [ 24 ] number of installments with each such
installment amount being INR. [ 6645 ].
THE RESPECTIVE INSTALLMENT AMOUNT(S) SHALL BE PAID BY THE
Due Date(s) BORROWER(S) ON THE 03RD DAY OF EACH MONTH DURING THE TENURE
OF THE FACILITY(IES).

Cycle Adjustment Interest Per day interest equivalent to INR. [_96.50 ] to be levied each day and
deducted upfront by the Lender from the credit facility which will be
disbursed to the Borrower .

[For illustration purpose: if the credit facility is disbursed on 15th of

October, and the applicable due date of installments is 03 rd day of every
month, then, the due date of the first installment will be 03 rd December.
Cycle adjustment interest in this case will be computed from 15th October
till 02th of November and will fall due on 02 th November. However, the
Lender will upfront deduct the cycle adjustment interest from the credit
facility which will be disbursed to the Borrower.]

All the charges indicated above or elsewhere in the facility documents

Taxes & Levies shall be exclusive of all taxes and statutory levies as may be applicable on
the same including, without limitation, tax on goods and services together
with any cess.

PayU Finance India Private Limited

Registered Office Empresa Building, Office No.
102 Second Road, Khar West, Mumbai,
Corporate Office 9th Floor, Bestech Business
Maharashtra, 400 052 INDIA Telephone: 022-
Tower, Sohna Road, Sector-48, Gurgaon, Haryana
26000868 Email: info@payu.in CIN:
122002 INDIA 0124-6624800/900 Website:
U65910MH1992PTC068664
www.payufin.in/

Clickwrap sign verified by

GORAV SONDHI
on 2024-03-21 (Date) & Time 21:26
via Mobile Number 9560399101
IMEI Number 860913047020154
Declared Location SOUTH DELHI
Customer IP 192.0.0.1
At Latitude: 28.584, Longitude:
SIGNATURE OF BORROWER: GORAV SONDHI Date: 2024-03-21 Place: SOUTH DELHI 77.244
C26827-L6443129 LPI L19-A105000:149999-T24:24-CM030-P001-S001-I29-R6930
C26827-L6443129 LPNI PA00:00|TN00:00|AS00:00~AD00:00
 Foreclosure/Prepayment charges 5% ON PRINCIPAL OUTSTANDING AMT + GST.
Bounce charges RS 500+GST PER INSTRUMENTS DISHONOURED.
Default Interest charges 3% PER MONTH WILL BE LEVIED FOR NUMBER OF DAYS EMI
PAYMENT IS DELAYED.
Foreclosure criteria THE SANCTIONED CREDIT FACILITY CANNOT BE FORECLOSED WITHIN 6
(SIX) MONTHS FROM THE DISBURSEMENT DATE

[●] days prior notice from the Borrower(s) to the Lender will be required
for any foreclosure subject to payment of applicable foreclosure charges.

Interest Rate Policy The interest rate policy of the Lender is available on the website
https://www.payufin.in. The Lender shall declare and display the rate of
interest (including any revisions in the rate of interest) on its website and
the same shall be deemed to be a notice to the Borrower(s). The
Borrower(s) hereby agree that it shall be the duty of the Borrower(s) to
keeps himself or herself or themselves updated of any such changes or
variations in the rate of interest by visiting the website of the Lender as
specified above. The Lender shall also notify the Borrower(s) of any change
in the rate of interest. Such revised rate of interest shall be applicable
prospectively.

[This is a system generated communication.]

PayU Finance India Private Limited

Registered Office Empresa Building,
Office No. 102 Second Road, Khar
Corporate Office 9th Floor, Bestech
West, Mumbai, Maharashtra, 400
Business Tower, Sohna Road,
052 INDIA Telephone: 022-
Sector-48, Gurgaon, Haryana
26000868 Email: info@payu.in CIN:
122002 INDIA 0124-6624800/900
U65910MH1992PTC068664
Website: www.payufin.in/

Clickwrap sign verified by

GORAV SONDHI
on 2024-03-21 (Date) & Time 21:26
via Mobile Number 9560399101
IMEI Number 860913047020154
Declared Location SOUTH DELHI
Customer IP 192.0.0.1
At Latitude: 28.584, Longitude:
SIGNATURE OF BORROWER: GORAV SONDHI Date: 2024-03-21 Place: SOUTH DELHI 77.244
C26827-L6443129 LPI L19-A105000:149999-T24:24-CM030-P001-S001-I29-R6930
C26827-L6443129 LPNI PA00:00|TN00:00|AS00:00~AD00:00