LD/Cross-sell_SL/Jan 2026/v3

Loan Application Number : 400448354710

Date : 10 March, 2026

Pre-Qualified Loan Agreement

Loan Details

Total Loan Amount EMI Amount Tenure Net Disbursal Amount Fixed ROI % (monthly reducing)

51000.00 2687.00 24 Months 50000.00 24.00 %

Standard Deduction

(-) Processing Fee 847.50

(-) GST 152.55

Customer Identifiers

Aadhaar Number Driving License PAN Number

XXXXXXXX6047 NA BSWPR4373J
Passport Voter ID CKYC Number

NA NA NA

Customer Details

Name Date of Birth Mobile Number

RATHOD PARKASHKUMAR 19 Nov 1984 8849961586

Gender Marital Status Father Name

Male Married RAMESHCHANDRA RATHOD

Spouse Name My personal email address is Residential Status

VALIBEN RATHOD nomail@[Link] Resident Individual

Employment Status My work email address is Name of my company

Self Employed NA Self

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Residence Address Work Address Bank Account Details
7 eb hemtaji maharaj ni chali 7 eb hemtaji maharaj ni chali Bank Name : BANK OF INDIA,
Ahmedabad, City baherampura Ahmedabad, City baherampura Ac. No. : 204710310000888,
Ahmedabad, AHMEDABAD, Ahmedabad, AHMEDABAD, MICR Code: 380013064,
GUJARAT - 380022 GUJARAT - 380022 IFSC Code: BKID0002047

Additional Details

Are you a director of IDFC FIRST Bank? No

Are you a relative to Director of IDFC FIRST Bank? No
Are you a director of any other Bank? No
Are you a relative to Director of any other Bank? No
Are you a Senior Officer of IDFC FIRST Bank? No
Are you a relative to Senior Officer of IDFC FIRST Bank? No
Are you a Politically Exposed Person*? No

*“Politically Exposed Persons” (PEPs) are individuals who are or have been entrusted with prominent public functions by a foreign country,
including the Heads of States/Governments, senior politicians, senior government or judicial or military officers, senior executives of
state-owned corporations and important political party officials.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Declaration

01. I/We wish to avail the banking facilities/products from IDFC FIRST Bank Limited ("IDFC FIRST Bank"), and have read, understood and
agree to the Terms and Conditions displayed on the website of IDFC FIRST Bank i.e. [Link], which may be amended by
IDFC FIRST Bank from time to time and hosted and notified on the website of IDFC FIRST Bank.
02. I/We declare that all the particulars and information given in the Application Form are true, correct, complete and up-to-date in all
respects and have not withheld any information whatsoever.
03. I/We confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or
pending against the Applicant(s) nor any action or any steps have been taken or legal proceedings started by or against the Applicant(s) in any
court of law/other authorities for winding up, dissolution, administration or re-organisation or for the appointment of a receiver, administrator,
administrative receiver, trustee or similar officer or for Applicant(s)' assets.
04. I/We declare that I/We have not made any payment in cash, bearer, cheque or kind along with or in connection with this Application
except for the application fees mentioned for or Processing fees or any other fees prescribed in the Application Form to the executive
collecting my/our application/and I/We/Applicant(s) shall not hold the Bank liable for any such payment made by us to the executive
collecting this application.
05. I/We further declare and confirm that the credit facilities if any enjoyed by the Applicant(s) with other banks/financial institutions/non
banking finance companies has been disclosed hereinabove.
06. I / We agree that the Bank may at its discretion conduct discreet inquiries in respect of this application. I / We undertake to inform as to
any change in my / our occupation / employment, residential address and to provide any further information that the Bank may require. Bank
will be at liberty to take such action as it may deem necessary if my / our above statements are found to be untrue.
07. I/We understand and confirm that the Application Form and all other documents submitted by me/us to the Bank shall not be returned to
me/us and the Bank shall have the right to retain the same.
08. I/We are aware that submission of loan application to the Bank does not imply automatic approval of the Bank and that the Bank will
decide the quantum of the loan at its sole and absolute discretion, the Bank in its sole and absolute discretion may either sanction or reject the
application for granting the loan, in case of rejection the Bank shall not be required to give any reason. In the case of loan cancellation, the
applicable pro-rate interest charges on any outstanding loan amount will have to be borne by me/us.
09. I/We understand that Processing fees, stamp duty are non-refundable charges and would not be waived/refundable in case of loan
cancellation.
10. I/We have read the application form and brochures and are agreeable to all the terms/conditions of availing finance from the Bank. I/We
undertake to inform the Bank/its Group Companies/its Agents regarding the change in Applicant(s)' addresses and to provide any further
information that the Bank/its Group Companies/its Agents may require.
11. I/We agree that the Bank may provide the credit facilities mentioned herein only if permitted and if approved in the manner specified or
required by the Reserve Bank of India from time to time
12. I/We have read, understood and agree to the charges/costs, mentioned in the extant Schedule of Charges. This is also displayed on
“Pre-Qualified Loans Schedule of Charges” section of the "Schedule of Charges".
13. I/We confirm that I/we shall not use the credit facility (or any part thereof) for any improper, illegal or unlawful purpose/ activities/
speculative or antisocial purpose. I/We have been read out and explained in the language known to me/us, the contents of the Application
Form for availing the loan from the Bank and I/we have signed the said Application Form after having understood them and by signing the
same.
14. I/We hereby confirm that I/we am/are competent and fully authorised to give declaration, undertakings etc. and to execute and submit this
Application Form and all other documents on behalf of the Applicant(s) for the purpose of availing loan, creation of security and representing
generally for all the purposes mentioned/required to be done for these presents.
15. I/We hereby agree to abide by and be bound by all applicable rules/regulations/instruction/guidelines including but not limited to those
issued by the Reserve Bank of India, including the FEMA Regulations 2000 Governing EEFC Accounts, the Foreign Exchange Management
Act, 1999 and Foreign Account Tax Compliance Act, 2010 (to the extent applicable to India) and the Common Reporting Standards (CRS), in
force from time to time.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 16. I/We confirm having declared our status as per the rules applicable under section 285BA of the Income Tax Act, 1961 (the Act) as
notified by Central Board of Direct Taxes (CBDT) in this regard.
17. I/We confirm that except to the extent disclosed to the Bank, no director or a relative (as specified by RBI) of a director of a banking
company (as specified by RBI) or a relative of a senior officer of the Bank (as specified by RBI) is - the applicant(s), or a partner, managing
agent, manager, employee, director of our concern, or of our subsidiary or our holding company, or a guarantor on my/our behalf, or holds
substantial interest in our concern or my/our subsidiary or holding company.
18. I / We am / are aware that if I / We opt for loan at reducing rates of interest, the Equated Monthly Instalment will comprise Principal and
Interest based on IDFC First Bank's advance rate which is subject to change from time to time.
19. I/We hereby submit voluntarily at my/our own discretion, the physical copy of Aadhaar card/physical e-Aadhaar / masked Aadhaar /
offline electronic Aadhaar xml as issued by UIDAI (Aadhaar), to IDFC FIRST Bank for the purpose of establishing my/our identity / address
proof and voluntarily give my/our consent in connection with me availing the Financial Facility from IDFC and processing instructions for
the said purpose and hereby give consent to IDFC for verification of my Aadhaar to establish its genuineness through any such acceptable
manner stipulated by UIDAI or under any Act or law from time to time. I/We have also been explained that submission of this document is
not mandatory. I/we have the option to submit any one of the documents as per the list of Officially Valid Documents (updated by the RBI
from time to time)The consent and purpose of collecting Aadhaar has been explained to me/us in local language. IDFC has informed me/us
that I am/We are required to redact/ blacken out the first eight digits of Aadhaar number so that only last four digits of the Aadhaar number
are visible; and in case I/We do not redact/ blacken out the first eight digits of Aadhaar number, I/We authorized IDFC FIRST Bank to
redact/blacken out the Aadhaar number through appropriate means on my/our behalf. IDFC has also informed me that this consent and my
Aadhar will be stored with IDFC.
20. I/We, hereby, declare the address mentioned as my current residence address. I/We also confirm, in the event of change in address due to
relocation or any other reason, I/We would intimate the new address to the Bank immediately.
21. I/We undertake and declare that if there are any changes in the particulars and information given by me/us while availing the Loan
facility, I/We shall within 30 days from the date of any such change in the particulars and information shall disclose the details of such
changes to the Bank without withholding the same.
22. By applying for a Pre-Qualified loan, I/We consent to my bureau report being pulled by IDFC FIRST Bank and agree to abide by the
T&C mention at [Link]

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Important Information

Loan Amount: As sanction and determined by credit appraisal process of the bank.
Processing Fees: As indicated in sanction letter
Rate of Interest: Rate of interest is determined by credit appraisal process of the bank.
Charges: Applicable charges as per the schedule of charges valid at the time of loan approval. These are available in Sanction letter
The risk gradation is based on inter alia the quantum and tenure of loan, the security offered by the customers, cost of funds and the credit
profile.
Loan agreement number will be generated post disbursal and will be available on statement of account.

Authorization cum Undertaking

01. I/We hereby authorize the Bank, without any notice to me to conduct credit checks, references, make enquiries, in its sole discretion and
also authorize the Bank and its agents to share and obtain information, records from any agencies, statutory bodies, credit bureau, bank,
financial institutions, or any third party in respect of the application, as it may consider necessary the Bank shall not be liable for use/ sharing
of the information.
02. I/We authorize the bank and/ or its representatives, agents to communicate/ call/ SMS to me/ us with respect to this Application or any
other promotional activities. I/we would like to know as well avail the benefits of various the Bank loan offer schemes or loan promotional
activities or any other promotional schemes and hereby authorize the Bank, its employees, agents, representatives and associates to do so. I
confirm that laws in relation to the unsolicited communication referred in “national Do Not Call Registry” as laid down by Telecom
Regulatory of India will not be applicable for such communications/ calls/ SMSs received from the Bank, its representatives, agents. The
Bank reserves the right to retain the photograph and documents submitted with the Application and shall not returned back.
03. I/We authorize the Bank to finance me/us for the premium of any third-party product available with the Bank, taken by me/us as per
my/our own wish from the said third-party of my/our choice 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 third-party product shall be incurred and paid by me/us, however, in
case I/we has availed such product, then Bank will not be responsible for any cancellations of any third-party product and or after sales
service.
04. I/We hereby authorize the bank to pay the fee and other amounts as may be payable directly to the institution concerned.
05. I/We undertake to submit the receipt for all the disbursements made from the loan account.
06. I /We will procure and furnish the securities in favour of bank as and when stipulated and in the form and manner to the satisfaction of the
bank.
07. I/we authorize the Bank to submit application/other relevant documents submitted by me to CERSAI. I/we hereby provide my consent to
receive information from Central KYC Registry or from UIDAI through SMS/mail on the above registered number/email address. I hereby
provide the consent to the Bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by the Bank for the
compliance.
08. I/We authorize IDFC FIRST Bank to exchange, share or part with all the information provided herein with financial
institutions/agencies/statutory bodies/ other such persons, as may be required by IDFC FIRST Bank. I/We shall not hold IDFC FIRST Bank
or its agents/representatives liable for using/sharing such information.
09. I/We explicitly consent and authorize IDFC FIRST Bank Limited, it's associate companies, agents, agencies, partners, educational
institutions, credit reporting agencies and any other entity to verify any information such as enrolment verification, residence verification,
employment verification, telephone verification, Credit Bureau check, document verification, reference checks etc., and also exchange, share,
part with all information related to transaction history as may be required by law, customary practice, credit reporting, statistical analysis and
credit scoring for verification or risk management and shall not hold IDFC FIRST Bank Limited liable for use or disclosure of this
information.
10. I hereby consent to receive information about my loans and offers on WhatsApp on my registered number.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 11. I recognize my responsibility to ensure timely repayments of the emi's at all point in time of the tenor of the loan.
12. I would honor the SI at all times.
13. In the event of issuing fresh repayment instrument, I will continue to honor contractual obligations till loan closure.
14. I recognize that the bank has all rights to proceed with all legal measures if the SI is dishonoured for whatsoever reasons, including
encashing / presenting the SI for the full balance value of the loan.
15. I, RATHOD PARKASHKUMAR, give my consent to IDFC FIRST Bank (Bank) to download my KYC Records from the Central KYC
Registry (CKYCR), only for the purpose of verification of my identity and address from the database of CKYCR Registry.
I understand that my KYC Record includes my KYC Records /Personal information such as my name, address, date of birth, Adhaar number,
PAN number etc (KYC Data).
Further, I hereby give my explicit consent, in relation to such KYC data, to IDFC FIRST Bank for the following purposes only:
a. Uploading and/or registering fresh KYC data of a customer on CKYCR registry;
b. Updating KYC data as and when my demographic information changes;
c. Updating or modifying my KYC data as and when unsolicited triggers or updates are received from CKYCR or any other authorized
repository during the course of my relationship with the Bank; and/or
d. Sending me communications (via email/SMS/phone calls) related to my KYC status, updates and compliance requirements
I understand that:
a. My personal data will be collected, processed, and used only for the purpose stated above.
b. I have the right to withdraw my consent at any time, subject to applicable laws.
c. The organization will take appropriate measures to protect my personal data in accordance with applicable laws.
By signing below, I confirm that I have read, understood, and voluntarily provided my consent for the above purposes.
Name: RATHOD PARKASHKUMAR
Signature:
Date: 10 March, 2026
16. I hereby give my explicit consent to share my Aadhaar details with registered credit information companies solely for the purpose of
conducting credit checks, generating my credit report and periodical submissions to CIC . I understand that I can withdraw the consent at any
time.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Sanction Letter

Date:10 March,2026
Name and Address of the Borrower
RATHOD PARKASHKUMAR
7 eb hemtaji maharaj ni chali Ahmedabad, City baherampura Ahmedabad, AHMEDABAD, GUJARAT - 380022
Reference application dated, 10 March, 2026 to IDFC FIRST Bank Ltd, a Company incorporated under the Companies Act, 1956, having its
registered office at KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600 031 Tel.: +91 44 4571 6400, CIN:
L65110TN2014PLC097792, [Link]@[Link], [Link] referred to "the bank" which shall include its successors in
interest or assigns for sanction of a Pre-Qualified loan.

Dear RATHOD PARKASHKUMAR

Thank you for choosing us as your financial service partner. It gives us great pleasure to welcome you as a member of the bank family.
Pursuant to your application, the bank is pleased to sanction you a Loan subject to the following terms and conditions.

Loan Amount (in INR) 51000.00

Fixed ROI % (monthly reducing) 24.00%
Product FIRST Money - Pre-Qualified Loan
Tenure (in months) 24 months
EMI Amount (in INR) 2687.00
EMI due day 3th
Mode of Payment Auto Debit
Upfront Processing Fee (in INR) 847.50
SGST (in INR) 76.275
CGST (in INR) 76.275
Repayment frequency of the borrower Monthly

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 EMI Due Date

Disbursal Date 1st EMI Presentation Date

On or before 18th of the month 3rd/4th/5th/6th/7th/8th of next month of disbursal

After 18th of the month 3rd/4th/5th/6th/7th/8th of next to next month of disbursal

Example:
1. If loan is disbursed on 15th March (before 18th of the month), 1st EMI shall be presented on 3rd/4th/5th/6th/7th/8th April
2. If loan is disbursed on 25th March (after 18th of the month), 1st EMI shall be presented on 3rd/4th/5th/6th/7th/8th May

Pre-EMI amount will be applicable if disbursal is after 18th of the month. Pre-EMI amount is computed daily on pro-rata basis till the
commencement of the 1st EMI. Pre-EMI, if applicable will be spread across the loan tenure and will be added to actual EMI, thus the actual
EMI charged will be slightly higher. In case of pre-term foreclosure, remaining Pre-EMI, calculated on pro-rata basis will be added to
principal outstanding.
Please note that one time processing fees and such other deduction including but not limited to deductions as applicable and appropriate
towards previous outstanding & other dues of existing loan, if any as applicable, which are closed pursuant to this Pre-Qualified Loan will be
deducted upfront the Loan Amount
As per the Agreement, the Borrower’s outstanding balance shall be payable by the Borrower to the bank on demand. The bank may at any
time, as its sole discretion, and without assigning any reason, recall the said Loan or call upon the Borrower to pay the Outstanding Balance
without any delay, demur or protest.
We assure you of our best services at all times.
I/We understand and confirm that the section of the Pre-Qualified Loan shall be at the sole discretion of the bank. I/We understand that upon
acceptance of this sanction letter and consequent disbursement of the loan amount by the bank. I/We shall be bound by the Agreement.
Name of the Borrower : RATHOD PARKASHKUMAR
*Any changes to the schedule of charges/terms of Agreement pursuant to changes in applicable laws/rules/regulations/market forces will be
available with any outlet of the bank. The above information is applicable only in case of successful loan disbursal.

The para banking services provided by the Bank to the Borrowers for financial products shall be strictly on a non-risk participation basis

Borrower shall be liable to pay the Interest on outstanding loan balance for the duration it remains outstanding. Further, such Interest
calculation shall commence from the actual date of disbursement of the said loan. In the event of disbursement through cheque, Interest shall
be calculated from the date of handover of the cheque.

Notwithstanding anything to the contrary contained in this Agreement, Borrower is aware that insurance is non-mandatory and offered only to
customer who voluntarily choose to opt for the same and in case if the loan is cancelled, the insurance policy will also get cancelled
automatically by the Insurance Company and the certificate of insurance (if received/issued) will remain cancelled/ revoked by the said
Insurance Company. Bank may receive the commission / fees for solicitation of insurance products (if any) and same will be available on
Bank website [Link] under Insurance Tab.

Charges

Please refer the “Pre-Qualified Loans Schedule of Charges” section from the link, "Schedule of Charges" to know the applicable charges for
your loan.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Other Disclosures

Cooling off/look-up period during Loan cancellation allowed only within first 15 days from date of loan disbursal
which borrower shall not be charged with nil charges. After first 15 days, foreclosure clause will be applied.
any penalty on prepayment of loan

Details of LSP acting as recovery Visit following link to view list of authorized vendors:
agent and authorized to approach [Link]
the borrower
Details of allocated agent will be communicated to via SMS/email at the time
of collection.

Name, designation, address and Visit following link to view details of nodal grievance redressal officer:
phone number of nodal grievance [Link]
redressal officer

Note:

a) Taxes as applicable by the Government from time to time.

b) All loans booked under this product type will be reported to the credit bureau.
c) IDFC FIRST Bank Ltd does not accept any payment either in cash or kind along with or in connection with its products at the time
of applying for loan. Charges pertaining to Processing fees and those prescribed in the aforementioned Schedule of Charges are be
liable for payment (if any) made in cash or kind nor shall also be held responsible for payment (if any) made to any third party.
d) APR: Annual Percentage Rate - Effective annualized interest rate (in percentage) (computed on net disbursed amount using IRR
approach and reducing method). Details for the same will be shared post disbursal.
e) APR, Total interest charge during the entire tenor of loan and Total amount to be paid by borrower will be shared with customer
post disbursal.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 From,
IDFC FIRST BANK LTD
Signature Not Verified
Digitally Signed By IDFC FIRST BANK
Date: 2026.03.10 10:26:20 +5:30
Reason: Loan Purpose
Location: Mumbai
Authorised Signatory

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 KEY FACT STATEMENT

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 5184173341 1 Type of Loan Pre-Qualified Loan

2 Sanctioned Loan amount (in Rupees) 51000.00 2

3 Disbursal schedule
(i) Yes
(i) Disbursement 100% upfront

4 Loan term (months) 24

5 Instalment details

Type of instalments Number of EPI ( ) Commencement of repayment, post sanction

EPIs

Monthly 24 2687 3 03-Apr-2026 4

6 Interest rate (%) and type (fixed) 24.00 % 5

7 Additional Information in case of Floating rate of interest

Reference Benchmark rate (%) Spread (%) Final rate (%) Reset periodicity Impact of change in the reference benchmark
Benchmark (B) (S) R = (B) + (S) (Months) (for 25 bps change in ‘R’, change in:)

B S EPI (in Rupees) No. of EPIs

NA NA NA NA NA NA NA NA

8 Fee / Charges 6 Payable to the RE (A) Payable to a third party through RE (B)

One-time / Amount (in ) or Percentage One-time / Recurring Amount (in ) or Percentage (%)
Recurring (%) as applicable as applicable

8A Processing fees One Time 847.50

9A Annual Percentage
Rate (APR)(%) 25.81 %

9B Annual Percentage APR is annualized percentage interest rate, processing fees, other charges, and third-party products. (i.e., aggregate of charges
Rate (APR) payable to Bank and payable to third party) for the credit facility availed.

10 Details of Contingent Charges (in or %, as applicable)

(i) Penal charges, if any, in case of delayed payment 2% per month of the unpaid EMI or Rs 300 whichever is higher. No GST on penal
charges

(ii) Other penal charges, if any EMI Bounce charges per presentation- 7.5% of EMI bounced with minimum charge of
Rs. 400 & maximum of Rs. 1000 (excluding GST)

(iii) Foreclosure charges, if applicable Allowed anytime without any charges

(iv) Charges for switching of loans from floating to fixed rate and NA
vice versa

(v) Any other charges (please specify) Please refer Schedule of Charges

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 1. Loan agreement number will be provided once loan application is disbursed.
2. Sanctioned Loan amount includes disbursed loan amount, processing fees, insurance charges, stamp duty, other charges
and GST.
3. Final details pertaining to Disbursal Date, Loan Tenure, PRE-EMI amount, Insurance Fee, Processing Fee, Annual
Percentage Rate (APR), Stamp Duty (if applicable), EMI and Net Disbursal Amount shall be communicated at the time of
disbursal.
Pre-EMI amount, if applicable, is computed from disbursal date till the commencement of the 1st EMI on pro-rata
basis. Pre-EMI will be deducted from the disbursal amount at the time of disbursement or adjusted from 1st EMI
leading to reduced appropriation towards principal. Pre-EMI will have a minimal effect on APR.
APR Calculation is excluding GST.
4. If loan disbursal is between 1st to 18th of the month (M0), 1st EMI starts from immediate next month (M1), but if loan
disbursal is after 18th of the month (M0), then 1st EMI starts from subsequent to immediate next month (M2).
EMI will be due between 2nd to 8th of every month.
5. Rate of Interest is on monthly reducing basis.
6. All charges displayed are excluding GST.
7. Borrower is aware that insurance is non-mandatory and offered only to customer who voluntarily choose to opt for the same
and in case if the loan is cancelled, the insurance policy will also get cancelled automatically by the Insurance Company and
the certificate of insurance (if received/issued) will remain cancelled/ revoked by the said Insurance Company. Bank may
receive the commission / fees for solicitation of insurance products (if any) and same will be available on Bank website
[Link] under Insurance Tab.
8. KFS shall be valid for 04 days

CUSTOMER DECLARATION/ACKNOWLEDGEMENT:

I/We declare that the contents of Key Fact Statement (KFS) have been duly explained to me/us, and I/we have read, understood,
and accepted them.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Part 2 (Other qualitative information)

1 Clause of Loan agreement relating Clause 48 of Terms & Conditions

to engagement of recovery agents

2 Clause of Loan agreement which Clause 33 of Terms & Conditions

details grievance redressal
mechanism

3 Phone number and email id of the pno@[Link]

nodal grievance redressal officer
1800 209 9771

Complaint not resolved within 30 days, not resolved satisfactorily, or rejected wholly/partly, can be
lodged with the Ombudsman. For more details, kindly refer to 'Salient features of RBI - Integrated
Ombudsman Scheme' at [Link]

4 Whether the loan is, or in future Yes

maybe, subject to transfer to other
REs or securitisation (Yes/ No)

5 In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details may be
furnished:

Name of the Name of the partner RE along with its proportion of funding Blended rate of interest
originating RE, along
with its funding
proportion

NA NA NA

6 In case of digital loans, following specific disclosures may be furnished:

(i) Cooling off/look-up period during which borrower shall Loan cancellation allowed only within first 15 days from date of loan disbursal with nil charges. After
not be charged any penalty on prepayment of loan first 15 days, foreclosure clause will be applied.

(ii) Details of LSP acting as recovery agent and authorized Visit following link to view list of authorized vendors:
to approach the borrower [Link] Details of allocated
agent will be communicated to via SMS/email at the time of collection

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Computation of Annual Percentage Rate

Sr. Parameter Details

No.

1 Sanctioned Loan amount (in Rupees) (Sl. no. 2 of the KFS template – Part 1) 51000.00 2

2 Loan Term (in years/ months/ days) (Sl. No.4 of the KFS template – Part 1) 24 months

a) No. of instalments for payment of principal, in case of non-equated periodic loans Not Applicable

b) Type of EPI Monthly

Amount of each EPI (in Rupees) and 2687 3
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 24
(Sl. No. 5 of the KFS template – Part 1)

c) No. of instalments for payment of capitalised interest, if any Not Applicable

d) Commencement of repayments, post sanction (Sl. No. 5 of the KFS template – Part 1) 03-Apr-2026 4

3 Interest rate type (fixed or floating or hybrid) (Sl. No. 6 of the KFS template – Part 1) Fixed

4 Rate of Interest (Sl. No. 6 of the KFS template – Part 1) 24.00 %

5 Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on sanction date (in Rupees) 13467 3

6 Fee/ Charges payable (in Rupees) 847.50 6

A Payable to the RE (Sl. No.7A of the KFS template-Part 1) 847.50 6

B Payable to third-party routed through RE (Sl. No.7B of the KFS template – Part 1) 06

7 Net disbursed amount (1-6) (in Rupees) 50000

8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 64467.00

9 Annual Percentage Rate (%) (APR is annualized percentage interest rate, processing fees, other charges, and third-party products. 25.81 %3
(i.e., aggregate of charges payable to Bank and payable to third party) for the credit facility availed.

10 Schedule of disbursement as per terms and conditions Detailed

schedule to be
provided

11 Due date of payment of instalment and interest 03/04/2026 4

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 Repayment Schedule under Equated Periodic Instalment

Instalment No. Outstanding Principal (in Rupees) Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)

1 51000 49119 805 2686

2 49119 47402 969 2686

3 47402 45682 966 2686

4 45682 43897 901 2686

5 43897 42106 895 2686

6 42106 40278 858 2686

7 40278 38387 795 2686

8 38387 36483 782 2686

9 36483 34517 720 2686

10 34517 32535 704 2686

11 32535 30512 663 2686

12 30512 28388 562 2686

13 28388 26281 579 2686

14 26281 24113 518 2686

15 24113 21919 492 2686

16 21919 19665 432 2686

17 19665 17380 401 2686

18 17380 15048 354 2686

19 15048 12659 297 2686

20 12659 10231 258 2686

21 10231 7747 202 2686

22 7747 5219 158 2686

23 5219 2639 106 2686

24 2639 0 50 2689

* Final repayment schedule will be available post disbursal.

Name: RATHOD PARKASHKUMAR

Date: 10 Mar,2026

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
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Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
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 General Instruction

1. The Signature of the Borrower and Co-borrower should be the same on the Loan Agreement & Application Form.
2. The full Signature of the Borrower and Co-borrower is to be put in all places where there is a mark.
3. Customer Terms & Conditions Copies are located at [Link]

Signature
Language Declaration
(Against appropriate box)

English

Hindi

Marathi

Gujarati

Bengali

Assamese

Oriya

Punjabi

Tamil

Telugu

Kannada

Malayalam

Konkani

Urdu

Sign against appropriate box

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
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 Terms & Conditions Applicable to Pre-Qualified Loan

The person(s) named in the Schedule hereto (hereinafter referred to as the “Schedule”) being 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:
IDFC FIRST Bank Ltd, a Company incorporated under the Companies Act, 2013 and a banking company and a banking company within the
meaning of the Banking Regulation Act, 1949 having its registered office at IDFC FIRST Bank Ltd address KRM Tower, 7th Floor, No.1,
Harrington Road, Chetpet, Chennai - 600031 and a branch office in India at the address mentioned in the Schedule, hereinafter referred to as “The
Bank” (which expression shall, unless repugnant to the context or meaning thereof, shall be deemed to mean and include its successors,
transferees and assigns). In case of there being more than one Borrowers, 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 them jointly and severally. Reference to the
masculine gender includes reference to the feminine and neuter genders and vice versa.

The Borrower hereby irrevocable and unconditionally agree to abide by the following terms and conditions:

1. Pursuant to the application made by the Borrower in the Loan Application Form ("Application"), the Bank has sanctioned the loan not
exceeding the amount mentioned in the Schedule hereto(hereinafter referred to as "Loan"), and the Borrower agrees to borrower the
same, subject to and upon the terms and conditions contained in the Application and/or this document. The Bank may disburse the Loan
or any part thereof ("Disbursement") at its own discretion. Notwithstanding \ anything contained herein:
(i)The borrower is aware that if disbursement/further drawdown is not accepted or not enchased by the borrower/previous financier
within the period of 90 days then Bank shall be entitled to the following:
(a) The Bank shall have the right to recall the credit facility or stop further drawdown/disbursement.
(b) The BT Cheque or DD issued in the name of previous financier/Borrower shall becancelled.
(c) The undrawn/ uncashed amount by the borrower/previous financier shall be adjusted towards Principal outstanding as part prepayment
of the loan amount, by giving effect to the EMI in the Loan and keeping the loan tenor constant.
(d) Part payment charges won't be levied on aforementioned adjusted amount.
(e) Revised loan repayment schedule shall be assigned to the borrower.
(f) Borrower won't be entitled for refund of any processing fees, service charge and /or other charges / fees / costs(if any). All these
charges( if applicable) would be payable to the Bank whether or not the Credit facility has been drawn by the borrower.
(ii) The borrower is aware that BT Cheque OR DD will be reissued within the span of 90 days of disbursement only if the said Cheque or
DD is mutilated or has spelling error or for any reason is not acceptable by the previous financier.
(iii) The Bank may not disburse at any time, any amount under the Loan unless the following conditions are complied with in the sole
discretion of the Bank:
(a) This Agreement is duly executed and delivered to the Bank by the Borrower;
(b) The Borrower's submission to the satisfaction of the Bank of a certificate of employment from his employer and his financial
statements;
(c) The Borrower's submission to the Bank, post-dated cheques towards repayment instalments; and
(d) Any other document or writing as the Bank may require in its sole discretion.
(e) The Borrower(s) having furnished such Security as may be required by the Bank, as more specifically detailed in the annexure, in a
form and manner satisfactory to the Bank.
2. The Bank may, at its sole discretion and on such terms as to foreclosure fees, etc., as it may prescribe from time to time, permit
foreclosure of the loan at the request of the Borrower subject to the applicable laws and if permitted by the Bank, the Borrower shall pay
to the Bank, such Foreclosure charges as mentioned in the Schedule of Charges/Key fact Statement, as amended and communicated to the
Borrower from time to time.

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 3. The Loan, interest, penal 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 at the rate of interest specified in the Schedule hereto, on the outstanding
daily balance from the date of disbursement, at monthly rests. The Bank in its sole discretion would be entitled to change the said rate
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
instalments (EMIs) as specified or as may be specified by the Bank from time to time(time being the essence of the contract). The
Borrower has perused, understood and agreed to the Bank's method of calculating EMI's as also the appropriation thereof into principal
and interest. The payment of all the monies by the Borrower including EMI's shall be made on or before the respective due dates, at such
place as the Bank 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 the Bank shall be increase 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"), Standing Instructions(SI)/Electronic Clearing System(ECS) instructions/other mode/ instrument, as
acceptable to the Bank from time to time. If any due date fall on a non business day of the Bank, the payment shall be made by the
Borrower on the immediate preceding business day of the Bank. 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 the Bank'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 the
Bank's right and remedies, pay penal charges at the rate mentioned in the Schedule hereto/ Application or as may be prescribed by the
Bank., 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.
4. The Borrower(s) shall pay to the Bank, the charges, fees, commissions, etc., specified on the Schedule hereto/Application or as specified
by the Bank from time to time, within such time or upon occurrence of such events as specified and if not specified then forthwith upon
demanded by the Bank. All other present and future costs and expenses, taxes(as applicable form time to time), any related levy, stamp
duty, in all jurisdictions, in relation to 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,
initiation/defending/pursuing any legal proceedings/action by the Bank. In case of any such sums if paid or incurred by the Bank, the
Borrower shall be liable to reimburse the same to the Bank in full forthwith.
5. Borrower is aware that penal charges means charges which the Bank shall impose for delay in payments by the Borrower. Said charges
shall be over and above the applicable charges and interest rates as specified in the Schedule of Charges/Key Fact Statement and the same
may be amended from time to time by the Bank. It is further specified that penal charges as set out in the schedule are without prejudice
to the Bank's right to recall the entire loan or to initiate any recovery action.
6. The Borrower agrees, declares and confirms that, notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other
Law, or any terms and conditions to the contrary contained herein, the Bank may, at its absolute discretion, appropriate any payments
made by the Borrower under this Terms and Conditions or otherwise, towards the dues payable by the Borrower to the Bank under this
Terms and Conditions and/or other agreements entered into between the Borrower and the Bank and in any manner whatsoever.
7. The Borrower who are liable to deduct the TDS, must pay TDS as per applicable rate for the interest and fees being paid to the Bank.
Borrower must deposit the TDS amount so due into the government account within the due date prescribed. Once returns are filed,
borrower must submit request letter along with TDS certificates in Form 16A generated from the income tax website to the Bank.
Original TDS certificates should be submitted for claiming the refund.
8. The Borrower confirms that the Goods and Service Tax Identification Number (GSTIN) (if applicable) provided in the application form/
declaration is true and correct. The Borrower agrees and undertakes that the applicable tax rate will be determined using the information
provided by the Borrower and the input tax credit (ITC) will be available to the Borrower (if applicable) based on the GSTIN and the
related information/ details provided by the Borrower in the application form/ declaration. The Borrower further agrees and undertakes
that the Borrower shall not hold the Bank Limited liable for any loss of ITC arising due to incomplete, erroneous or wrong details

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 pertaining to GST provided by the Borrower in the application form/ declaration. The Borrower also further agrees and undertakes that if
the Borrower fails to furnish GSTIN, then the Borrower shall be treated as unregistered for Gods and Service Tax (GST) purpose and no
credit of GST will be provided to the to the Borrower.
9. Notwithstanding anything stated in any document, the continuation of the Loan shall be at sole an absolute discretion of the Bank and the
Bank 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 the Bank, the Borrower shall, within 48 hours of being so called upon, pay the whole of the Outstanding Balance to the
Bank without any delay or demur.
10. The Bank may at its own discretion finance the Borrower for the insurance premium of insurance policy taken by Borrowers as per
Borrower's ownwish 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
suchinsurance shall be incurred and paid by the Borrower, however, in case paid by the Bank onBorrowers behalf, the Borrower shall
reimburse the same to the Bank within 24 hours of the Bank's demand. The Borrower shall instruct the insurance company to add the
Bank as loss payee in any such insurance [Link] is aware that insurance is non-mandatory and offered only to customer who
voluntarily choose to opt for the same and in case if the loan is cancelled, the insurance policy will also get cancelled automatically and
the certificate of insurance (if received/issued) will remain cancelled/ revoked.
11. The Borrower shall furnish and create such security from time to time in favour of or for the benefit of the Bank, of such value, in such
form and in such manner, as may be deemed fit by the Bank, forthwith upon so required by the Bank. the Bank 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.
12. Each of the Borrowers represent(s) and warrant(s) that (which shall be deemed to have been repeated to the Bank on the date of
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, judgment, 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. (f) The
Borrower(s) agree that if there are two or more Borrower(s), the Borrower(s) liabilities under this Loan terms and conditions shall be joint
and several. (g) With a view to induce the Bank to grant the Loan, the Borrower, hereby represents/warrants to/covenants/undertakes with
the Bank that the Borrower- (g.1) Shall utilize the loan for the purpose for which it is granted and not for any improper/ illegal/ unlawful/
speculative/capital market related activities neither for purchase of gold in any form including primary gold, gold bullion, gold jewellery,
gold coins, units of Gold Exchange Traded Funds(ETF) and units of gold Mutual Funds. (g.2) If the loan amount is used for investment
made in shares, debentures, advances and inter corporate loans / deposits to other companies (including subsidiary companies) and for
any improper / illegal / unlawful /speculative/capital market related activities neither for purchase of gold in any form including primary
gold, gold bullion, gold jewellery, gold coins, units of Gold Exchange Traded Funds(ETF) and units of gold Mutual Funds. (g.3) The
Borrower(s) hereby represents/warrants to/covenants/undertakes that he/she shall utilize the loan for the purpose for which it is granted
and not for any improper/illegal/unlawful/speculative/capital market related activities neither for purchase of gold in any form including
primary gold, gold bullion, gold jewellery, gold coins, units of Gold Exchange Traded Funds(ETF) and units of gold Mutual Funds. (g.4)
The Borrower understands, acknowledges and agrees that the Facilities are uncommitted facilities, are recallable by IDFC Bank on
demand and may be cancelled and repudiated in part or in entirely by IDFC Bank at any time without notice and without giving any
reason. The Facility mentioned aforesaid will be available solely at IDFC FIRST Bank's discretion and IDFC FIRST Bank will not be
liable for any action taken by the borrower on the basis of this sanctioned facility. Sanction or part disbursal of the facility should not be
construed as giving rise to binding obligations on the part of IDFC FIRST Bank to provide the facility mentioned aforesaid.
13. The Borrower agree that all amounts payable by the Bank and/or Borrower to the Bank shall be payable and be paid at the branch
location or such other place where the Bank operates and the same to be decided by the Bank at its discretion and all the terms and
conditions so far as a possible shall be per formed and carried out at the location.

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 14. Borrower agrees that if he/ she avails any loan from the Bank then the PDC/SI/ ECS/NACH mandates issued under the said loan shall
continue and remain in force till such time all other dues under the Loan Agreement and in respect of all other loan/facility obtained/to be
obtained by the Borrower from the Bank/group companies are fully discharged and the Bank and/or its affiliates issue a certificate of
discharge. The PDC/SI/ECS/NACH mandate issued under any Loan Agreement and the liability of the Borrower shall not be affected
impaired or discharged. The Borrower covenants that the PDC/SI/ECS/NACH provided by the Borrower shall remain valid for the
balance due to the Bank, or any other financial benefits obtained by the Borrower from any of the affiliates of the Bank.
15. Negative Covenants : The Borrower covenants and agrees that, save and except with the prior, specific and express written consent of the
Bank, 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 obligations; (b) except in favour of the Bank, 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 or lien 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 of effect any direct or indirect
change in the legal of beneficial ownership or control; (d) Change /cease/retire from/terminate/resign from the present employment/
profession /business disclosed in the Applications; or change, terminate or open any bank account.
16. 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 the Bank 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 the Bank to 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 the Bank; (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 Balances
or any part thereof or perform any of the obligations; (d) if any attachment, distress, execution or other process against the Borrowers/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 the
Bank, in values of any security lower than the values required by the Bank; (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. (g) if the loan amount is used for investment made in shares, debentures, advances and inter-corporate loans/deposits to other
companies (including subsidiary companies) and for any improper / illegal / unlawful /speculative/capital market related activities neither
for purchase of gold in any form including primary gold, gold bullion, gold jewelry, gold coins, units of Gold Exchange Traded Funds
(ETF) and units of gold Mutual Funds.
17. Notwithstanding anything to the contrary in this document or any other document or any other document/arrangement : (i) in respect of
all and any of Borrower's present and future liabilities to the Bank, its affiliates, group entities, associate entities, parent, subsidiaries, any
of their branched (collectively "Relevant Entities"), whether under this document or under any other obligation/loan
facilities/borrowing/document, whether such liabilities are/be crystallised, actual or contingent, primary of collateral or several or jointly
with others, whether in same currency or different currencies, whether as principle debtor and/or as guarantor and/or otherwise
howsoever (collectively "Liabilities"), each of the Bank and the Relevant Entities shall in addition to any general lien or similar right to
which any of them as bankers 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 the Bank 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 banking relationship, safe
custody, collections, or otherwise whether in same currency or different currencies; and (ii) separately, each of the Bank 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 the Bank's discretion), securities,
amounts and property as aforesaid for the purpose or realizing or against any of dues in respect of any of the Liabilities whether ear-
marked for any particular Liability or not, 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 the
Liabilities. (iii) the Bank and the Relevant Entities shall be deemed to have and hold and continue to have first charge on any assets

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 including on any assets including any deposit on which security 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 the Bank in terms of any security or charge created for the Loan shall be
available to the Bank 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 satisfies or not and even after the Loan has been repaid or prepaid, Bank shall be at the liberty to deny
issuance of No Dues Certificate in event of cross default.
18. The Bank shall at any time, without any consent of or notice to the Borrower (s) be entitled to securitise, sell assign, discount or transfer
all or any part of the Bank'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 the Bank 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.
19. The Bank shall also be entitled to communicate in any manner it may deem fit, to or with any person or persons including guarantors,
person giving reference to loan, with a view to receiving assistance of such person or persons in recovering the defaulted amounts
including but not limited to visiting the property and/or any place of work of the Borrower.
20. The Bank 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 the Bank may deem fit.
21. The Borrower agrees that the Bank may share its mobile number and other personal information with the Borrower's mobile network
operator and their third party agencies for verification, evaluation and assessment of the Borrower and neither the mobile network
operator nor their third party agencies shall be responsible for obtaining a separate consent for collecting, processing or storing such
information. The Borrower specifically grants his/her consent to such mobile network operators and their agencies to share the results of
such assessment with the Bank for processing of the Borrower's loan application.
22. The Borrower further acknowledges that the Bank may undertake periodic assessment and monitoring of the Borrower during the term of
the loan and the Borrower grants his/her explicit consent to the Bank for receiving periodic information from the mobile network operator
and their third party agencies for this purpose.
23. Except to the extent disclosed to the Bank: (i) all the Borrower's contracts or agreements with, or any commitments to, any affiliates or
group companies (if applicable) are on arms' length basis; (ii) (a) where the Borrower is an individual, he/ she is not a director or
specified near relation of a director of a banking company; (b) where the Borrower is a partnership firm/HUF/limited liability partnership
firm, none of the partners or members of the HUF is a director or specified near relation of a director of a banking company; and (c)
where the Borrower is a joint stock company,none of its directors, is a director or specified near relation of a director of a banking
company; (iii) (a) where the Borrower is an individual, that he/ she is not a specified near relation to any senior officer of the Bank, (b)
where the Borrower is a partnership firm/HUF/ limited liability partnership firm, none of the partners or members of the HUF, is a
specified near relation of any senior officer of the Bank, and (c) where the Borrower is a joint stock company, none of its directors, is a
specified near relation of any senior officer of the Bank. The Borrower agrees that the bank has an unconditional right to revoke and/or
recall the entire loan facility if the disclosure as mentioned in this clause is found to be false.
24. The Borrower shall ensure that neither the Borrower nor any director/partner/member of the Borrower has been declared a willful
defaulter; in case any director/partner/member has been declared as a willful defaulter, the Borrower shall take expeditious steps for
removal of such person.
25. Borrower understands and acknowledges that there are inherent risks involved in sending the instructions/communications/documents to
the Bank via electronic mode viz., emails, SMS, etc., and hereby agree and confirm that all risks shall be fully borne by him and he
assumes full responsibility for the same. He will not hold the Bank liable for any losses or damages including legal fees arising owing to
any miscommunication or technological error beyond the control of the Bank. Borrower shall be responsible to ensure the authenticity,
validity, or source of any instructions/documents and shall be liable if any instructions/documents turned out to be unauthorized,
erroneous, or fraudulent.
26. DISCLOSURE/SHARING OF INFORMATION
a) In the Event of Default, the Bank/IDFC First shall also be entitled to communicate in any manner it may deem fit, to or with any
person or persons including guarantors, person giving reference to loan, with a view to procure assistance of such person or persons in
recovering the defaulted amounts including but not limited to visiting the property and/or any place of work of the Borrower. b) The

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 Bank will limit the collection and use of customer information only on a needto_know basis to deliver better service to the customers.
The Bank may use and share the information provided by the Customers with its Affiliates and third parties for providing services and
any service-related activities such as collecting subscription fees for such services and notifying or contacting the Customers regarding
any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the customer information to one or
more agents and contractors of the Bank and their sub-contractors, but such agents, contractors, and sub-contractors will be required to
agree to use the information obtained from the Bank only for these purposes. The customer authorizes the Bank to exchange, share, part
with all information related to the details and transaction history of the customer to its Affiliates/ other banks/ financial institutions/ credit
bureaus/ agencies/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice,
credit reporting, statistical analysis and credit scoring, verification or risk management or any of the aforesaid purposes and shall not hold
the Bank liable for use or disclosure of this information also the customer consents to receive information about new products, offers,
promotions, receive communications, notices, and other information from the Bank and its agents/service providers/partners etc.(whether
through SMS, emails, phone call, automated phone calls or by any other means). The Bank values your relationship and will at all times
strive to ensure your privacy.
27. Force Majeure - The Borrower shall be liable to perform or fulfil its obligations at all point of time and shall not delay/postpone
performance, its obligations in whole or in part, even on the ground of any force majeure event such as acts of God, floods, cyclones,
explosion, earthquakes, epidemics, diseases, accidents, fires, wars, riots, strikes, lockouts , orders of governmental or other statutory
authorities, national emergency, terrorist attacks or any other similar causes.
28. The Bank shall have the right to not return the Application, the photographs, information and documents submitted by the Borrower. the
Bank 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, the Bank's other branches/subsidiaries/affiliates/rating agencies, service providers,
other banks/financial institutions, and third parties, any assigns/potential assignees or transferees, who may need the information and may
process the information, publish in such manner and through such may be deemed necessary by the publisher/the Bank/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. the Bank shall have
the right, without notice to or without any consent of the Borrower, to approach, make enquires, obtains information, from any person
including other banks/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.
29. Any notice, approvals, instructions, demand and other communications(including customer copy of Loan Agreement, Key Fact
Statement, Welcome letter, loan transaction documents etc.), in reference to this Agreement given or made by the Bank shall be deemed
to be duly given and served if send by Normal post, courier, registered post, facsimile electronic mail, personal delivery, SMS ,instant
messaging app or by pre-paid registered mail addressed to the Borrower's address, phone/ mobile number, fax number or email as given
in the Applications (or at the address changed on which the Bank's acknowledgment is duly obtained as hereinafter mentioned) such
notice and service shall be deemed to take effect on the third working day following the date of 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 always undertakes to keep the Bank informed
in writing of any change in the mailing address, email id, phone and mobile number (s) as provided in the Applications and to obtain the
Bank's written acknowledgment on the intimation given to the Bank for any such change.
30. Borrower understands and acknowledges that there are inherent risks involved in sending and receiving
instructions/communications/documents via electronic mode viz., emails/ SMS/ WhatsApp messaging services etc., and hereby agree and
confirm that all risks shall be fully borne by him and he assumes full responsibility for the same. He will not hold the lender liable for any
losses or damages including legal fees arising owing to any miscommunication or technological error beyond the control of the lender.
31. IDFC FIRST Bank shall not be liable or responsible for any breach of secrecy owing to communication/documents being sent digitally.
Borrower shall verify the authenticity of the emails, instant messaging app etc., and shall not hold the Bank responsible for any
statements received from frauds / imposters. Borrower shall not hold the Bank liable if any problem arises with his/ their

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
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 computer/mobile network. Borrower understand and agree that the email statements, SMS, documents, communications will only be sent
to the first holder of either registered email id/ registered Cell No/registered WhatsApp number. Borrower shall inform the Bank in
writing if there is any change in his/their communication address. The Bank shall not be responsible incase if the Borrower's do not
receive the statements due to incorrect communication address provided by Borrower or due to technical reasons. Borrower undertakes to
take all necessary steps to ensure confidentiality and secrecy of the login name and password of the internet / email account.
32. Borrower shall be responsible to ensure the authenticity, validity, or source of any instructions/ documents and shall be liable if any
instructions/documents turned out to be unauthorized, erroneous, or fraudulent nor will any such communication amount to spam,
unsolicited communication or a violation of borrower(s) registration on the national do not call registry.
33. Grievance Redressal, Governing Law and Dispute Resolution
1. In event of any grievances, the Borrower may approach the nodal officer of the Bank. The contact details of the nodal officer have been
provided in the Key Fact Statement (KFS).
2. The Parties agree that this Agreement shall be governed by the laws of India.
3. The Borrower hereby expressly agrees that all disputes arising out of and/or relating to this Agreement including any transaction
document which is –
(a) below the pecuniary jurisdiction limit of the Debt Recovery Tribunals established under Recovery of Debts Due to Banks and
Financial Institutions Act, 1993 (51 of 1993), then such dispute shall be resolved through arbitration in accordance with the provisions of
the Arbitration and Conciliation Act, 1996 as may be amended, or its re-enactment, through the online dispute resolution("ODR")
platform. The party invoking arbitration (“Claimant”) shall address a notice to the other party (“Respondent”) suggesting the name of one
of the following ODR platforms (Designated Institution) as stated below or any other ODR platform as updated on the Bank’s website
from time to time:
i. Presolv360 ODR Institution; or
ii. Sama ODR Institution
The arbitration proceeding shall be conducted in the English language. The seat of the arbitration for the purpose of determining
jurisdiction shall be decided basis the zone wise distribution as provided below. The award passed by the arbitrator shall be final and
binding on the Parties.
The parties agree to carry out the arbitration proceedings virtually through an ODR platform of such institution and, for such purpose, the
email addresses and / or mobile numbers of the Borrower available, provided or otherwise referenced in the transaction documents shall
be considered. Each party shall be responsible for intimating such institution in the event of any change in its email address and / or
mobile number throughout the arbitration proceedings. In the event the arbitration proceedings cannot be administered virtually, then the
proceedings shall be conducted physically, and the venue of the proceedings shall be cities, as may be notified by the Bank, falling under
either of the zones mentioned hereunder-
1. East;
2. West;
3. North; and
4. South
(b) above the pecuniary jurisdiction limit under Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (51 of 1993) should
be filed before appropriate Debt Recovery Tribunals.
34. 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 has affixed their signature after verifying and understanding the contents of
this document at the end of the schedule.
35. The Borrower unconditionally consent and authorizes the Bank to raise debits for such amounts as may be calculated by the Bank from
time to time and undertake to maintain sufficient balances to cover the Loan Repayment Dues (and charges, if any) on the stipulated due
dates. Borrower is aware that failure to repay loan amount through these instruction shall be treated as a default in repayment of dues and
all charges /penalties /levies as covered by the agreement will hold good towards the non-payment of obligations The Borrower further
undertakes that in the event of the above account getting closed / transferred for any reason, the Borrower shall intimate to the Bank the

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
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 new account opened with the bank to debit the Loan Repayment amounts as per the agreement. Borrower also undertakes the
responsibility to provide the fresh set of Mandate and security PDC's for such new account, as per terms of the agreement in lieu of
existing instructions.
36. The borrower is aware that this document is an electronic record in terms of Information Technology Act, 2000 and rules there under as
applicable to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is
generated by a computer system and does not require any physical signatures.
37. Electronic communications shall be deemed to have been received by borrower when we send the electronic communication to the email
address / mobile number / details provided by borrower or any other third party. Borrower undertakes that he will not hold Bank or Banks
business partners/ service providers/ authorized third parties responsible for any such communications received from Bank/ its business
partners/ service providers/ authorized third parties, nor will any such communication amount to spam, unsolicited communication or a
violation of borrower(s) registration on the national do not call registry.
38. Dues shall mean the principal/interest/any charges levied on the loan account which are payable within the period stipulated as per the
terms of sanction of the credit facility.
39. Overdue shall mean the principal/interest/any charges levied on the loan account which are payable, but have not been paid within the
period stipulated as per the terms of sanction of the credit facility. In other words, any amount due to the bank under any credit facility is
'overdue' if it is not paid on the due date fixed by the bank.
40. Non-Performing Asset (NPA) - is a loan or an advance where interest and /or instalment of principal remains overdue for a period of
more that 90 days in respect of a term loan.
41. "First In First Out" (FIFO) - The relevance of 'First in First Out'(FIFO) is in appropriation of payments into the borrower's account; The
Principle of FIFO i.e., 'First In First Out accounting method is relevant to arrive at the No of days of overdue for determining the
SMA/NPA status. The FIFO principle assumes that, the oldest outstanding dues in the loan account needs to be cleared first. The FIFO
method thus requires that what is due first must be paid by the borrower first. For example:- If in any loan account as on 01.02.2021 there
are no overdues and an amount of Rs. X is due for payment towards principal instalment/interest/charges any payment being credited on
or after 01.02.2021 in the loan account will be used to pay off the dues outstanding on 01.02.2021. Assuming that nothing is paid/or there
is partial payment (Rs Y) of dues during the month of February, the overdue as on 01.03.2021 will be Rs. X-Y. Additionally, an amount
of Rs Z becomes due as on 01.03.2021. Now any payment partial payment into the account on or after 01.03.2021 will be first utilized to
payoff the partial due of 01.02,2021(Rs X_Rs Y). If there is more recovery that the Rs. X- Rs.Y then after recovering dues of 01.02.201,
the remaining amount will be treated as recovery towards due of 01.03.2021.
42. Age of Oldest Dues- The age of oldest dues is reckoned in days from the date on which the oldest payment is due and continues to remain
unpaid. In the aforesaid illustration, if the Dues relating to 1st February 2021 remain unpaid till 01.03.2021, the age of the oldest dues is
reckoned as 29 days on 02.03.2021.
43. Classification as Special Mention Account (SMA) and Non-Performing Asset (NPA) Lending institutions will recognize the incipient
stress in loan accounts, immediately on Default, by classifying them as Special Mention Accounts (SMA) The basis of classification of
SMA /NPA Category shall be as follows:

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 Loans other than revolving facilities Loans in the nature of revolving facilities like cash
credit/overdraft

SMA Sub- Basis for classification - Principal or interest SMA Sub- Basis for classification - Outstanding
categories payment or any other amount wholly or categories balance remains continuously in excess of
partly overdue the sanctioned limit or drawing power,
whichever is lower, for a period of:

SMA-0 Upto 30 days

SMA-1 More than 30 days and upto 60 days SMA-1 More than 30 days and upto 60 days

SMA-2 More than 60 days and upto 90 days SMA-2 More than 60 days and upto 90 days

Out of Order - An account shall be treated as "out of order" if

i. the outstanding balance in the CC/OD account remains continuously in excess of the sanctioned limit /drawing power for 90 days
or
ii. the outstanding balance in the CC/OD account is less than the sanctioned limit/drawing power but there are no credits
continuously for 90 days or the outstanding balance in the CC/OD account is less that the sanctioned limit/drawing power but
credits are not enough to cover the interest debited during the precious 90 power but credits are not enough to cover the interest
debited during the previous 90 days period.

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 Illustrative movement of an account to SMA category to NPA category based on delay Inon payment of dues and subsequent upgradation
to Standard category at day end process

Due date of Payment Age of oldest SMA/NPA SMA since

Payment covers Categorization NPA Date
payment Date dues in days Categorisation Date/SMA class date

01.01.2022 01.01.2022 Entire dues upto 01.01.2022 NILL

01.02.2022 01.02.2022 Partly paid dues of 01.02.2022 1 SMA-0 01.02.2022

01.02.2022 02.02.2022 Partly paid dues of 01.02.2022 2 SMA-O 01.02.2022 NA

Dues of 01.02.2022 not fully paid 01.03.2022 is also due at

01.03.2022 29 SMA-O 01.02.2022
EOD 01.03.2022

Dues of 01.02.2022 fully paid, Due for 01.03.2022 not paid

1 SMA-O 01.03.2022
at EOD 01.03.2022

No payment of full dues of 01.02.2022 and 01.03.2022 at

31 SMA- 1 01.02.2022/03.03.2022
EOD 03.03.2022

Dues of 01.02.2022 fully paid, Due for 01.03.2022 not fully

1 SMA-O 01.03.2022
paid at EOD 1.03.2022

No payment of dues of 01.02.2022 ,01.03.2022 and amount

01 .04.2022 60 SMA 1 01.02.2022/03.03.2022
due on 01.4.2022 at EOD 01.04.2022

No payment of dues of 01.02.2022 till 01.04.22 at EOD

61 SMA 2 01.02.2022/02.04.2022
02.04.2022

No payment of dues of 01.02.2022 till 01.05.22 at EOD

01.05.2022 90 SMA 2 01.02.2022/02.04.2022
01.05.2022

No payment of dues of 01.02.2022 till 01.05.2022 at EOD

91 NPA NPA 02.05.2022
02.05.2022

01.06.2022 01.06.2022 Fully Paid dues of 01.02.2022 at EOD 01.06.2022 93 NPA NA NPA 02.05.2022

Paid entire dues of 01 .03.2022 & 01.04.2022 at EOD

01.07.2022 01.07.2022 62 NPA NA NPA 02.05.2022
01.07.2022

Paid entire dues of 01.05.2022 & 01.06.2022 at EOD

01.08.2022 01.08.2022 32 NPA 02.05.2022
01.08.2022

Paid entire dues of 01.07.2022 & 01.08.2022 at EOD

01.09.2022 01.09.2022 1 02.05.2022
01.09.2022

Standard Account STD from

01.10.2022 01.10.2022 Paid entire dues of 01.09.2022 & 01.10.2022 0
with No Overdues 01.10.2022

Note- Examples are illustrative and not exhaustive in nature covering common scenarios and that the IRACP norms and clarifications
provided by RBI on the subject will prevail.
44. Amortization Schedule/Repayment Schedule:- The Amortization Schedule shall be provided separately after the disbursement of loan and
shall consist details pertianing to exact due dates for repayment of loan, breakup between principal and interest, in case of loan facilities
with moratorium on payment of principal and or interest, the exact date of commencement of repayment etc., shall also be specified in the
said amortization schedule.
45. If the PAN of the borrower is not linked with Aadhar, the borrower agrees to get it linked within90 days of disbursal of this loan.
46. In case the said loan is sourced through business correspondent, Bank shall be responsible to address the grievances of the Borrowers in
relation to acts of commissions and omissions of the said business facilitator/ correspondent.
47. The Bank shall have a right to sell or transfer (by way of assignment, securitization or otherwise) whole or part of the Loan and
outstanding amounts under the Loan or any other rights under this Agreement or any other document pursuant hereto to any person in any
manner or under such terms and conditions as the Bank may decide in its sole discretion. The Borrower shall not transfer or assign the

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 rights under this Agreement without previous written consent of the Bank. The Borrower hereby accords its consent to the Bank for
transfer of the Bank’s rights and obligations under this Agreement and other financing documents to any Person at the Bank’s sole
discretion.
48. Borrower hereby authorises the Bank to appoint recovery agents and thereby consents and agrees that the Bank shall be entitled to
disclose to such recovery agents/third parties all necessary and relevant information pertaining to the Borrower(s)and the loan and the
borrowers hereby consent to such disclosure by the Bank. Notwithstanding anything contained in this Agreement, the Borrower(s)
expressly accepts and authorizes the Bank (and/ or any such recovery agents/third party as the Bank may appoint) to contact Borrower
and disclose all necessary and relevant information pertaining to the Borrower(s).
49. Mode of Execution
a. The borrower is aware that this document is an electronic record in terms of Information Technology Act, 2000 and rules there under as
applicable to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is
generated by a computer system and does not require any physical signatures.
b. Electronic communications shall be deemed to have been received by borrower when we send the electronic communication to the email
address / mobile number / details provided by borrower or any other third party.
c. The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed to and
accepted and delivered all the terms and conditions contained herein electronically by ticking / clicking / checking "I/we Agree" or "I/we
Agree and Accept" or any similar icon/tab/option on the online system / Website / portal / platform of the Bank/Merchant/ its agent/
service provider/partners as well as by entering the one time password ("OTP") provided to the Borrower's mobile number registered with
the Bank or linked with Unique Identification Authority of India (UIDAI/Aadhaar Authority) or also biometric verification through
UIDAI, and that there is no requirement of Borrower's physical signature on the Loan Documents or of the Borrowers signing this
Agreement in physical form. The Borrower also acknowledges that the execution of this Agreement would be complete only once the
same is accepted by the Bank. The Bank shall be deemed to have accepted and signed this Agreement electronically by way of sending an
email/ letter through its officer or the Facilitator to the Borrower and attaching therewith the copy of this Agreement. For the purpose of
stamp duty, any writing on a stamp paper or franked page associating the stamp paper or such franked page with this document will be as
good as making the stamp paper/franked page an integral part of this document.
d. The parties agree that either party may use a computer-based system to issue certain Confirmations and that each such Confirmation
executed by a party by means of an electronically-produced signature, shall have the same legal effect as if, such signature had been
manually written on such Confirmation and that such Confirmation shall be deemed to have been signed by such party for the purposes of
any statute or rule of law that requires such Confirmation to be signed. The parties acknowledge that, in any legal proceedings between
them in any way relating to this Agreement, each party expressly waives any right to raise any defence or waiver of liability based upon
the execution of a Confirmation by a party by by means of an electronically- produced signature.
e. If the PAN of the borrower is not linked with Aadhar, the borrower agrees to get it linked within 90 days of disbursal of this loan.
50. Red Flagged Account is one where suspicion of fraudulent activity is thrown up by the presence of one or more Early Warning Signals
(EWS) indicators (as defined in relevant RBI circulars from time to time), alerting / triggering deeper investigation from potential fraud
angle and initiating preventive measures by the banks.
51. Classification of Account as Red Flag Account
1. The Borrower understands and agrees that, in case the loan account is classified as red-flagged account, the Bank shall conduct an audit
as per its Policy, for further investigation in the account.
2. The Borrower shall co-operate with the said audit and shall provide required information, documents, etc. to the Bank or any person
appointed by Bank for conducting the audit for further investigation in the account as per its Policy.
3. In case, the Borrower does not co-operate for conducting such audit, the Bank shall conclude the account, as fraud, without giving further
notice.
52. The Borrower shall ensure that neither the Borrower nor any director/partner/member/trustee/person being in charge of the management
has been declared a wilful defaulter; in case any director/partner/member/ trustee/person being in charge of the management has been
declared as a wilful defaulter, the Borrower shall take expeditious steps for removal of such person. The Borrower is aware that, in case
any of his director/partner/member/trustee/ person being in charge of the management has been declared a wilful defaulter; then the Bank
shall not renew/ enhance/ provide fresh credit facilities or restructure existing facilities.

53.
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 53. The para banking services provided by the Bank to the Borrowers for financial products shall be strictly on a non-risk participation basis.
54. Borrower shall be liable to pay the Interest on outstanding loan balance for the duration it remains outstanding. Further, such Interest
calculation shall commence from the actual date of disbursement of the said loan. In the event of disbursement through cheque, Interest
shall be calculated from the date of handover of the cheque.
55. Notwithstanding anything to the contrary contained in this Agreement, Borrower is aware that insurance is non-mandatory and offered
only to customer who voluntarily choose to opt for the same and in case if the loan is cancelled, the insurance policy will also get
cancelled automatically by the Insurance Company and the certificate of insurance (if received/issued) will remain cancelled/ revoked by
the said Insurance Company.
Details of commission or fees of similar nature received by the Bank from insurance company for marketing insurance products is
provided in the Sanction letter.
56. IDFC FIRST Bank has the absolute discretion to amend or supplement any of the Loan terms and conditions at any time and will
endeavour to give prior notice of 15 days by email or put up on the Bank’s website, as the case may be for such changes wherever
feasible and such amended terms and conditions will thereupon apply to and be binding on the Borrower. Further, loan terms shall be
subject to changes based on the guidelines/ directives issued by RBI to banks from time to time.
57. I, the Borrower, acknowledge that I have read and fully understood Key Fact Statement and hereby agree, accept and undertake to abide
by the same.
58. The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed to and
accepted and delivered all the terms and conditions mentioned (including sub clauses), schedule of charges, Standing Instruction
(collectively, “Loan Documents”) online by ticking / clicking / checking the “I Agree” or “I Agree and Accept” or any similar
icon/tab/option on the online system / Website / portal / platform of Merchant/ its agent/ service provider/partners as well as by entering
the one time password (“OTP”) provided to the Borrower’s mobile number registered with the Bank, and that there is no requirement of
Borrower’s any other signature or physical signature on the Loan Documents or of the Borrower signing the Loan Documents in physical
form. The Borrower also acknowledges that the execution of the agreement would be complete only once the same is accepted by the
Bank. The Bank also does not require to sign the Loan Documents in any physical form. The Bank shall be deemed to have accepted and
signed this document online by way of sending an email/ letter through its officer to the Borrower and attaching therewith the copy of this
document. For the purpose of stamp duty, any writing on a stamp paper or franked page associating the stamp paper or such franked page
with this document will be as good as making the stamp paper/franked page an integral part of this document.

Note:“I/We are aware of the First EMI start date i.e., 2nd to 10th of every month, depending upon the date of disbursement."

Declaration:
1. I/We undertake and declare that if there are any changes in the particulars and information given by me/us while availing the Loan
facility, I/We shall within 30 days from the date of any such change in the particulars and information shall disclose the details of such
changes to the Bank without withholding the same.
2. I hereby provide the consent to bank to pull my KYC details from CERSAI & PAN details from NSDL as and when required by the
Bank for the compliance.

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 Terms and Conditions for Aditya Birla Health Insurance(EMI Protect Plan):

Group Activ Health- EMI Protect

Introduction- EMI Protect is a product specifically designed to mitigate the financial losses that a borrower might incur in case of hospitalization.
This product offers financial protection to the borrower.

Coverages

EMI Benefit: If the Insured Person is hospitalized for In-patient Care due to an Injury /Illness during the tenure of the loan, then the insurer shall
pay the amount specified as per the plan in the Certificate of Insurance for each continuous and completed period of hospitalisation as defined and
specified in the Policy Schedule / Certificate of Insurance provided that
This Benefit shall not be payable for more than the number of Hospitalization days per Policy Year as specified in the Policy Schedule or
Certificate of Insurance
(ii) The benefit amount will be paid as a lump sum amount post the Insured Person’s discharge from the Hospital.
Age Eligibility- 18 Years – 65 Years

Plan A

Days of Hospitalisation Amount to be paid

2-5 days 10000

6-8 days 20000

9-11 days 30000

12-14 days 40000

15 days and above 50000

Plan B

Days of Hospitalisation Amount to be paid

2-5 days 20000

6-8 days 40000

9-11 days 60000

12-14 days 80000

15 days and above 100000

The insurer will cover a maximum of 4.5 lacs in case of multiple hospitalisations (Maximum 4 hospitalisations in a year) for a single life.

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Waiting Period-
There is an initial waiting period of 30 days in this product. Non applicable on accidental cases Waiting Period means a time bound exclusion
period related to condition(s) specified in the Policy Schedule or Certificate of Insurance or Policy which shall be served before a claim related
to such condition(s) becomes admissible.
Disclaimers
1. No change of Sum insured allowed after commencement of the policy.
2. The cover shall cease automatically in case of foreclosure of loans
3. Customer is in good health at the time of disbursement of loan, is not suffering from any critical illness & is able to perform all the routine
activities independently.
Disclaimers
I hereby declare that I am in Good Health, not suffering from any (critical/non critical) illnesses and perform all my routine activities
independently
I hereby nominate my legal heir to receive all insurance proceeds
I have read and understood the Aditya Birla Group Activ Health Policy Terms and Conditions
I understand that Group Activ Health is issued by Aditya Birla Health Insurance company Limited and the master policy holder is IDFC FIRST
Bank Limited. I confirm that by filling up this enrollment form, I propose to be beneficiary under the said policy.
I agree that the cover shall be voidable at the option of the insurer, in the event of any untrue or incorrect statement, misrepresentation, non-
Description or Non- Disclosure in any material particular in the application form. Personal statement, declaration any connected documents or any
material information has been withheld by me or anyone on my behalf to obtain any benefit under this cover.
I understand that the information provided by me will form the basis of the insurance cover and is subject to the board approved underwriting
policy of the insurer and will come to force only after full receipt of the premium chargeable.
I further consent and authorize Aditya Birla Health Insurance Company Limited and / or any of their authorized representatives to seek medical
information form any hospital/ Medical practitioner/ Insurer/ any of the related entity that I have attended or may attend in future concerning and
disease/ Illness/ Injury
I / We authorize the Insurer to share information pertaining to my proposal including the medical records for the sole purpose of proposal
underwriting and / or claim settlement and with any Governmental and /or Regulatory Authority
Claims Process
Claim Process and Documentation
Claim intimation can be given by calling ABHIC’s call centre- 18002707000 or by [Link]@[Link] or by
writing to ABHIC’s office address along with the following details within 45 days of first diagnosis of the Critical Illness/ date of Surgical
Procedure or date of occurrence of the medical event, as the case may be
1. COI number of member.
2. Name of the group member.
3. Name and address of the Insured Person (Group member or the family members enrolled in the Policy) in respect of whom the request is being
made.
4. Hospital where treatment/Surgery was taken.
5. Date of admission and date of discharge or approximate length of stay.
6. Any other information that may be relevant to the Illness/ Injury/ Hospitalization.
7. Duly completed policy claim form signed by Nominee or Insured Person with mandatory mentioned Claimed number of EMI
(MANDATORY)
8. Photo ID of Insured Person & Nominee (MANDATORY)
9. Attested copies of KYC documents of Insured Person & Nominee (MANDATORY) - PAN card, ration card, voter ID, etc.
10. original discharge card / day care summary / transfer summary (where applicable) (MANDATORY)
11. Investigations supporting diagnosis. (MANDATORY)
12. Loan repayment schedule (MANDATORY)
Please note that additional documents may be asked for on case to case basis.
A. TAT of Claims

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 TAT of Claims

Acknowledgement of 3 Working Day From receipt of documents or intimation from

Claim & Registration of Insured
the Claims

Deficiency to be raised 7 Working Days From receipt of Initial documents or intimation

for short fall of claim
documents (if any)

First, Second & Final 10 Days interval From 1st deficiency query generation date
Reminders

Repudiation for 45th Day From the latest of 7 Days after final reminder and
non-receipt of claim 1st deficiency query generation date
documents

Acknowledgement for 3 Working Day From receipt of deficiency related or any

receipt of Deficiency or documents
any documents

Re-deficiency (if New 7 Working Days From receipt of deficiency or any document
queries arises from the
submitted documents)

Claim Payment from 7 Working Days From receipt of last necessary document
Insurer to Insured

Re-imbursement Claim 7 Working Days From receipt of last necessary document

Repudiation

Investigation of Claim 15 Working Days From the date of assigning the claim for
investigation.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 Terms and Conditions for Aditya Birla Sun Life Insurance:

1) “I hereby authorize ABSLI/Insurer to deduct the total amount of outstanding loan as subsisting under my customer ID in the event of my death
and settle the balance amount, if any, to the Nominee.
2) ”Borrowers can be covered under a maximum sum assured of Rs 10 Lakh. A breach of the same will result in cancellation of the policy &
refund of premium.”
3) “Legal heir of the borrower will be considered as nominee.”
I hereby declare that:
1. I am in good health.
2. I perform all my routine activities independently.
3. I have never had any physical defect, deformity or disability* aecting my day to day activities.
4. I have never suered and am not currently suering from:
a. High Blood Pressure, Heart Attack or any other Heart Disease;
b. Stroke, Paralysis in any form, or any other Cerebrovascular Disease;
c. Diabetes or any other Endocrinal Disease, Kidney Disease;
d. Any Chronic Liver Disease;
f. Blood Disorders, Gastrointestinal Diseases, Paraplegia or any other disorder of the bones, spine or muscle;
g. Any Cancer or Cancerous growth;
h. Any Mental or Psychiatric condition, any Genetic Disease or any disease related to Central Nervous System (disease related to brain);
i. HIV/AIDS or AIDS related complications.
5. I have never been asked by our family doctor or any physician to reduce my weight or change my smoking (tobacco use in any form) or alcohol
intake.
7. I have never undergone nor have I been advised to undergo any major surgical procedure.
8. In the last 2 years, I have not:-
a. Been continuously hospitalised for more than 7 days (other than fractures of leg or arm);
b. Undergone any investigations (including basic radiological and blood tests) other than normal Health Check-ups and Insurance Medicals,
or
c. Had adverse result for any blood tests, X-Rays, ECG, Stress Test, Biopsy, CT Scan, MRI, Ultrasonography or 2D/3D Echo etc.
9. I have not had any proposal and/or policy for life, health, accident or critical illness or any other riders, including simultaneous/renewals/
revivals therefore, declined, deferred, withdrawn or accepted at extra premium or reduced cover or oered any special terms by any insurance
company.
10. I have not had any member of my immediate family e.g. parents, brothers, sisters, suered from heart disease, stroke, cancer, kidney failure,
organ
11. I do not engage or intend to engage in any business, sport or occupation or any hobby of a hazardous nature.
12. I also declare that I have not experienced fever/cough/breathlessness/nausea/diarrhoea within last 3 months, not tested positive for COVID,
not undergone treatment or require regular follow up or undergoing treatment for COVID, not been quarantined, not in contact with COVID
positive person, not involved in management of any patient, not travelled abroad in past 1 month, no plans to travel abroad in next 3 months.
*Disability means inability to function normally, physically or mentally.
I, further declare that the above statements are true and complete in every respect related to my health and will form the basis of granting
insurance cover to me, from Aditya Birla Sun Life Insurance Company Limited [ABSLI]. I, further hereby agree and give my consent to, ABSLI
and the Group Policyholder for use of the contents of this declaration for examining and processing any claim arising, in respect of the insurance
cover that may be provided to me under the referred group policy. I confirm and agree that the insurance cover, if provided, will be governed by
the provisions of the Insurance Act, 1938 as amended from time to time and the Policy Contract under which the cover will be oered to me. I
agree and understand that if I contract any of the above diseases between submitting this document and the date of commencement of the cover. I,
undertake to notify ABSLI of any change in my state of health or occupation or any decisions subsequent to the signing of this declaration form
and before the acceptance of the risk by ABSLI. I have also not withheld any material information or suppressed any fact. I understand and agree

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
that if any untrue statement be contained herein, I, my heirs, executors, administrators or assignees shall not be entitled to receive any benefits
which may be provided to me on the faith of this declaration, including, inter alia the aforesaid insurance cover. I understand and agree that in
case of any fraud or misrepresentation, the Policy shall be treated in accordance with section 45 of the Insurance Act, 1938 as amended from time
to time. I understand and acknowledge that insurance cover shall be as per terms and conditions detailed in the Policy Contract issued by ABSLI
in favour of the Group Policyholder and that ABSLI's decision in respect of all aspects of the referred group life insurance plan shall be final &
binding. I hereby agree to and authorise the Group Policyholder/my Doctor/Hospital/ Local, State, Central Authority/Dealer/Distributor/my
Employer to divulge or convey any information or particulars relevant to this Form/my admission into the referred Group Insurance Policy to
ABSLI at any point during the continuance of my cover hereunder including any claim under the said Policy. I authorise that my personal
information may be provided to ABSLI by any medical practitioner, hospital and clinic, employer, institution, or any person also consent to a
personal investigation as part of this Health Declaration. I also permit ABSLI to approach me directly for any clarification and/or other purposes.
I, hereby authorise (Name of the Group Policyholder ) to receive all such monies payable by Aditya Birla Sun Life Insurance Company Ltd. to the
extent of my outstanding loan amount in the event of my death and the balance if any to the appointed Nominee as mentioned.
I hereby authorize ABSLI to refund the amount towards freelook cancellation post deducting appropriate charges to IDFC First Bank
as the initial premium being paid by the Master Policyholder. I and Master policyholder further understand that we are and will remain solely
responsible for the above transaction and confirm that we will not hold Aditya Birla Sun Life insurance Company Limited liable for any claim or
payment under the above referenced Insurance Policy under whatsoever circumstances.
"I /we hereby agree that terms and conditions including premium and the benefits payable under the Policy are subject to variation in accordance
with applicable laws". All material facts, being facts, which may influence as the assessment of this risk, have been disclosed in this Health
Declaration, it being understood by me that failure to make such disclosure renders the contract voidable at the option of ABSLI. I/we , have read
and understood the terms and conditions of the product as detailed in the product brochure and the same has been explained by the representative
of the Master Policy holder in the language understood by me/us. I have applied for a Life coverage under this product and understand that
ABSLI reserves the right to reduce the actual coverage incase of any premium shortfall due to change in age or any other
administrative/operational reasons.

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]
 End Use Letter

Dear Sir/Ma’am,
Sub: Application for Pre-qualified Loan.
I/We, MR. RATHOD PARKASHKUMAR refer to the Application No. 400448354710 submitted by us to IDFC FIRST Bank Limited (the
“Bank”) for availing of a Pre-qualified Loan from the Bank.
The said Facility is for meeting Medical purpose.
I/We hereby represent, warrant and confirm that the aforesaid purpose is a valid purpose and also agree and undertake to utilize the facility only
for the above mentioned purpose and that the facility shall not be used for any illegal and/or antisocial and/or speculative purposes including but
not limited to participation in stock markets/IPOs.
I/We further agree, confirm and undertake that the purpose of use of funds under the facility shall not be changed in any manner during the tenor
of the facility or that such change in purpose shall take place only with the prior written permission of IDFC FIRST Bank Limited. I/We agree
that any breach or default in complying with all or any of the aforesaid undertaking(s) may constitute an event of default under the Loan
Agreement executed with the bank and accordingly the bank will have the right to take action as deemed suitable.
Thanking you.
Yours Sincerely,
MR. RATHOD PARKASHKUMAR

Consent for this agreement no. 400448354710, was electronically provided by RATHOD PARKASHKUMAR on 10 Mar, 2026 10:26 AM
registered mobile number 8849961586 from IP Address [Link]