Ref.

No: W511790766
Date: Jan 30, 2026

KINGSTON EDUCATIONAL INSTITUTE

KINGSTON EDUCATIONAL INSTITUTE,MOUZA -
BERUNANPUKURIA, J.L. NO. 18, R.S. AND L.R. DAG NO.-211 P,
210 P, 214 P, 199 P, L.R. KHATIAN
NO.-1014,P.S.-DUTTAPUKUR, BARASAT, UNDER ICHHAPUR
NILGUNG ROAD
24 PARAGANA ( N )
WEST BENGAL
700126

Risk Assumption Letter

Dear Sir/Madam,

SYSESB00172313337
Thank you for choosing ICICI Lombard as your preferred General Insurance service provider. We
understand that you have different choices available, and appreciate the fact that you have
placed your trust in us.

Please find attached herewith Policy No. 1021/426867840/00/000 which has been issued based
on the details furnished to us on Jan 30, 2026.

Please go through the details as furnished in the format and also as provided in the policy
document to ensure that they are in order. If you feel that there are any discrepancies/variations,
please write to us immediately for the necessary changes/rectification. In the absence of any
communication from you in this regard within a period of 15 days of receipt of this letter, we would
understand that you have accepted the contents and the coverage to be in accordance with your
proposal.

Thank you once again and look forward to a lasting relationship.

Yours sincerely

ICICI Lombard General Insurance Company Ltd

Signature Not Verified

Digitally signed by DS ICICI
LOMBARD GENERAL
INSURANCE CO LTD 1
Date: 2026.01.30 20:31:52 IST

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]
 ICICI LOMBARD MSME SURAKSHA KAVACH (COMPLETE FIRE INSURANCE)
SCHEDULE

Insured Details

Policy Number 1021/426867840/00/000

Issued At MUMBAI
Name of the KINGSTON EDUCATIONAL INSTITUTE
Insured
Mailing Address KINGSTON EDUCATIONAL INSTITUTE,MOUZA - BERUNANPUKURIA, J.L. NO. 18, R.S. AND L.R. DAG
of the Insured NO.-211 P,, 210 P, 214 P, 199 P, L.R. KHATIAN NO.-1014,P.S.-DUTTAPUKUR, BARASAT, UNDER
ICHHAPUR NILGUNG ROAD, 24 PARAGANA ( N ), WEST BENGAL - 700126

Are you or any of the proposed applicants/beneficial owner a PEP* or Family member/ Close relatives/Associates of PEPs*? No

Intermediary Details

Agency/Broker Code 202147541067

Agency/Broker Name KPG- AXIS BBG
Agent's/Broker's Mobile No. 1860419555
Agent's/Broker's Email ID ilsupport@[Link]

Policy Details

Period of Insurance From : 00:00 Hours of 30/01/2026 To : 23:59 Hours of 29/01/2027

Hypothecation Details As per annexure I
Details of Property Insured As per Annexure II

Details of Sum Insured

Interest covered: Sum Insured

Basic Cover (`): 10000000

Premium computation

Premium excluding Terrorism (`) : 9153

Net Premium (`) : 9153
SGST : 823.77
CGST : 823.77
Total Amount : 10801

Clauses / Conditions / Warranties

Subject to Clause(s) / Endorsement(s) as attached herewith

1 Designation of Property Clause
2 Earthquake (Fire and Shock)
3 Local Authorities Clause
4 Reinstatement Value Policies
Subject to Conditions as mentioned below:
1 Waiver of Under Insurance cover up to 15% of Sum Insured subject to adequacy of Sum Insured at the inception of the policy period
2 Warranted that the claims experience is nil for last 3 years
3 Storm, Tempest, Flood, & inundation sets of Perils are covered under the scope of policy
4 Excess: For location having Sum Insured up to Rs. 5 Crore: Rs 5,000/- for each and every claim and For location having Sum Insured above Rs. 5 Crore: 5%
of claim amount subject to minimum of Rs. 10,000 for each and every claim.

Subject to Warranties as mentioned below

1 Warranted any contents in basement are excluded from the scope of cover

Please scan QR Code or click [Link] for Policy Wordings.

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]
GSTIN No. : 27AAACI7904G1ZN
Place of Business : 414, ICICI Lombard House Veer Sawarkar Marg Mumbai-Prabhadevi Maharashtra 400025
Category : General Insurance Business Services 9971.

The stamp duty of ` 0.5 paid in cash or by demand draft or by pay order, vide Reciept / Challan No. CSD11220254045 dated Oct 08, 2025.

Subject otherwise to terms and conditions of ICICI LOMBARD MSME SURAKSHA KAVACH (COMPLETE FIRE INSURANCE) Policy.

Signed for and on behalf of the ICICI Lombard General Insurance Company Limited, at Mumbai on Jan 30, 2026.

ICICI Lombard General Insurance Company Ltd.

Click here or scan the QR code to view the Customer Information Sheet (CIS). It provides an
overview of the policy features, service and claim processes, as well as other important terms.

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]
Annexure – I
yes
HYPOTHECATION DETAILS

Attached to and forming a part of Policy No. : 1021/426867840/00/000

Sr. No. Name of the Bank Type of charge

1 NA NA

no
Annexure – II

DETAILS OF PROPERTY INSURED

Attached to and forming a part of Policy No. : 1021/426867840/00/000

Location of Risk 1 : KINGSTON EDUCATIONAL INSTITUTE,MOUZA - BERUNANPUKURIA, J.L. NO. 18, R.S. AND L.R. DAG NO.-211 P,--210
P, 214 P, 199 P, L.R. KHATIAN NO.-1014,P.S.-DUTTAPUKUR, BARASAT, UNDER ICHHAPUR NILGUNG
ROAD----700126----WEST BENGAL--24 PARAGANA ( N )
Occupancy 1 : Schools / Colleges
Sections Sum Insured
Building (With Plinth and Foundation) 10000000

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]
Special Clause

Agreed Bank Clause

If You have mortgaged, hypothecated or created any security over any Insured Property in favour of a Bank, and the Bank
has an interest in the Policy, the name of such Bank will also be shown in the Policy Schedule under the title ‘Agreed Bank
Clause’. If You choose to add the name of such Bank at any time during the Policy Period this will be shown as an
Endorsement. In this Clause, the word ‘Bank’ includes any financial institution.

Under this Clause, You agree as follows:

i. If You have mortgaged, hypothecated or created any security over any Insured Property in favour of a Bank, and
the Bank has an interest in the Policy, the name of such Bank will also be shown in the Policy Schedule under the
title ‘Agreed Bank Clause’. If You choose to add the name of such Bank at any time during the Policy Period this will
be shown as an Endorsement. In this Clause, the word ‘Bank’ includes any financial institution.
ii. When We pay the amount to the Bank, Our liability under this Policy will be discharged, and will be binding on all of
You and all persons named as the insured.
iii. Any notice or communication We make to the Bank under the provisions of this Policy shall be sufficient notice or
communication to You.
iv. Any settlement or compromise that We make with the Bank will be binding on You and all persons named as the
insured. However, such settlement or compromise will not affect the rights of the Bank to recover any amount from
You or any other person.
v. If You make any change in the use of the Insured Property or Your Premises or sell or transfer the Insured
Property, such actions will not prejudice the interest of the Bank under the Policy and this Clause, unless the
condition has been broken by the Bank or its employees.
vi. [Link] You commit any act or omission that will increase the risk, the insurance cover will not be invalidated. However,
the Bank shall notify Us of any change or ownership, or alterations and increase in risks as soon they become
known to the Bank, and shall pay additional premium from the time of such change.
vii. When We pay the amount to the Bank, We will become legally and automatically subrogated to all rights of the Bank
to the extent of such payment. This will not impair or prejudice the rights of the Bank to recover any amount from
You or any other person.

N.B: The Bank shall mean the first named Financial Institution/Bank named in the policy.

Add-ons
This is an additional cover that extends the insurance cover that We give under the ICICI Lombard MSME
Suraksha Kavach (Complete Fire Insurance) Insurance. We give these additional covers if You have applied to
and paid premium for the covers and We have accepted to give covers to You.
Riot, Strike and Malicious Damage yes

Loss of or visible physical damage or destruction by external violent means directly caused to the property
insured but excluding those caused by

a. total or partial cessation of work or the retardation or interruption or cessation of any process or operations
or omissions of any kind.
b. Permanent or temporary dispossession resulting from confiscation, commandeering, requisition or
destruction by order of the Government or any lawfully constituted Authority.
c. Permanent or temporary dispossession of any building or plant or unit of machinery resulting from the
unlawful occupation by any person of such building or plant or unit or machinery or prevention of access to
the same.
d. Burglary, housebreaking, theft, larceny or any such attempt or any omission of any kind of any person
(whether or not such act is committed in the course of a disturbance of public peace) in any malicious act.

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]
 (whether or not such act is committed in the course of a disturbance of public peace) in any malicious act.

If we alleges that the loss/damage is not caused by any malicious act, the burden of proving the contrary
shall be upon You .
Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation yes

Nowithstanding anything contained here to the contrary , policy is extended to cover Loss, destruction or
damage directly caused by Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood or Inundation
excluding those resulting from earthquake, Volcanic eruption or other convulsions of nature. ( Wherever
earthquake cover is given as an “add on cover” the words “excluding those resulting from earthquake
volcanic eruption or other convulsions of nature” shall stand deleted.

Subject otherwise to the terms and conditions of the policy

Earthquake, Volcanic eruption or other convulsions of nature.
Nowithstanding anything contained here to the contrary, policy is extended to cover yes Loss, destruction or
damage directly caused by Earthquake, Volcanic eruption or other convulsions of nature subject to the Sum
Insured for this extension is identical to the Sum Insured against the risk covered under main policy except
for the value of the plinth and foundations of the building(s) subject to following endorsement wordings:

If option to delete STFI peril is exercised

“In consideration of the additional payment of the premium by the You to us , it is hereby agreed and declared that
notwithstanding anything stated in the printed exclusions of this policy to the contrary, this Insurance is extended to
cover loss or damage (including loss or damage by fire) to any of the property Insured by this policy occasioned by
earthquake , Volcanic eruption or other convulsions of nature including Landslide / Rockslide resulting there from but
excluding flood or overflow of the sea, lakes, reservoirs and rivers caused by Earthquake Volcanic eruption or other
convulsions of nature.
Provided always that all the conditions of this policy shall apply (except in so far as they may be hereby expressly
varied) and that any reference therein to loss or damage by fire shall be deemed to apply also to loss or damage directly
caused by any of the perils which this insurance extends to include by virtue of this endorsement.”

In the event of You making any claim for loss or damage under this policy he must (if so required by US ) proves that
the loss or damage was occasioned by or through or in consequence of earthquake”.

Excess – 5% of each and every claim subject to a minimum of Rs.10, 000/- unless any revision specifically mentioned
in policy schedule
In consideration of the additional payment of premium by You to Us it is hereby agreed and declared that notwithstanding
anything stated in the printed exclusions of this policy to the contrary, this Insurance is extended to cover loss or
damage (including loss or damage by fire) to any of the property Insured by this policy occasioned by or through or in
consequence of earthquake Volcanic eruption or other convulsions of nature including flood or overflow of the sea, lakes,
reservoirs and rivers and/or Landslide / Rockslide resulting there from. Provided always that all the conditions of this
policy shall apply (except in so far as they may be hereby expressly varied) and that any reference therein to loss or
damage by fire shall be deemed to apply also to loss or damage directly caused by any of the perils which this insurance
extends to include by virtue of this endorsement.
In the event of the You making any claim for loss or damage under this policy he must (if so required by US) proves
Excess – 5% of each and every claim subject to a minimum of Rs.10, 000/- unless any revision specifically mentioned

Subject otherwise to the terms and conditions of the policy the contrary shall be upon You.

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]
 1
TAX INVOICE
(ORIGINAL FOR RECIPIENT)

Name of the Customer : KINGSTON EDUCATIONAL INSTITUTE

Address of the Customer : KINGSTON EDUCATIONAL INSTITUTE,MOUZA - BERUNANPUKURIA, J.L. NO. 18, R.S. AND
L.R. DAG NO.-211 P, 210 P, 214 P, 199 P, L.R. KHATIAN NO.-1014,P.S.-DUTTAPUKUR,
BARASAT, UNDER ICHHAPUR NILGUNG ROAD INDIA WEST BENGAL 24 PARAGANA ( N )
PIN - 700126 - 700126
GSTIN/ Unique Id of registered recipient : 19AABTK1529M1ZC
Invoice Number 1001263105122 ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED
Policy Number 1021/426867840/00/000 Bill from Address (IL 4th Floor, Emami Market, 3 Lord Sinha
GSTIN Address) RoadKolkata, West Bengal-700071, West
Bengal, 700071
Invoice Date 30/01/2026 GSTIN 19AAACI7904G1ZK
Sr. No Particulars PAN SAC Code of service Amount (`)
GENERAL INSURANCE
1 AAACI7904G 997137 9153
SERVICES
Total value of services (Premium Value without Tax) (`) 9153

Sr No. Applicable taxes Rate of applicable taxes (%) Tax Amount (`)
1 CGST 9 823.77
2 SGST 9 823.77
3 IGST 0 0
4 UTGST 0 0
Total Tax Amount (`) 1647.54
Whether tax payable under reverse charge? No
Tax payable by the receiver (`) 0
Total Premium inclusive Tax (`) 10800.54

Place of Supply: WEST BENGAL

We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more than the
aggregate turnover notified under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions of
the said sub-rule.

ICICI Lombard General Insurance Company Limited

ICICI LOMBARD MSME SURAKSHA KAVACH
IRDA Reg. No. 115 CIN: L67200MH2000PLC129408 UIN : IRDAN115RPPR0010V01202425
(COMPLETE FIRE INSURANCE)
Mailing Address: Registered Office Address Toll free no : 1800 2666
601 & 602, 6th Floor, Interface 16 ICICI Lombard House,414, Veer Savarkar Alternate no : 86552 22666 (chargeable)
New Linking Road, Malad (West) Marg,Near Siddhi Vinayak Temple, E-mail : customersupport@[Link]
Mumbai - 400 064 Prabhadevi, Mumbai 400 025 Website : [Link]