State Office : Home Credit India Finance Private Limited, A-39, OPP TDI MALL, NEAR VISHAL CINEMA,

RAJOURI GARDEN,
West Delhi, Delhi, 110027, GSTIN : 07AABCR6548L1ZY
Customer State Code : 7, HSN : 9971, Place of Supply as per GST Act : Delhi

LOAN SUMMARY
Contract Number 3805875571
Mr. MAINUDDIN X
17, floor 0, RACECOURCE Customer Id 320960
New Delhi, Delhi, Delhi, 110003
Welcome to the Home Credit Family. Congratulations! Your Loan of Rs. 1,25,000.00 is approved, effective date 30th
Aug 2018.
LOAN DETAILS LATE PAYMENT CHARGES(incl. of all Taxes)
(A) Loan Amount 1,25,000.00 Rs. 0 Rs. 350 Rs. 800 Rs. 1,350 Rs. 2,100 Rs.
(B) Processing Fee (incl. of all Taxes) 3,750.00 Rs. (+350) (+450) (+550) (+750)

(C) Credit Assessment Fee 0 Rs. On Due Date after 1 day after 30 days after 60 days after 90 days
(D) Disbursal Amount (A-B-C) 1,21,250.00 Rs. Late payment charges will be charged for non payment of Monthly
(E) Flat Interest Rate 33.85 % p.a. Instalment on or before respective Due Dates.
(F) Interest Amount 1,26,928.00 Rs.
(G) EMI (Equated Monthly Instalment) 6,998.00 Rs.
(H) Number of Monthly Instalments 36
(I) Monthly Customer Care Fee(incl. of all Taxes)
OTHER CHARGES
0 Rs.
(J) Monthly Instalment (G+I) 6,998.00 Rs. Prepayment Terms Not allowed before 6 months
Prepayment Penalty(incl. of all Taxes) Nil
(K) SGST @ 9% (Applicable on B and I) 286.02 Rs.
Direct Debit Bounce Fee(incl. of all Taxes) 300 Rs.
CGST @ 9% (Applicable on B and I) 286.02 Rs.
The Loan Amount shall be disbursed in your bank account OTHER DETAILS
having following details provided by you: *Recommended Payment Date 26th of every month
Account Holder's Name MAINUDDIN Due Date 2nd of every month
Joint Holder's Name (in case of joint A/c) First Monthly Instalment 2nd Oct 2018
Bank Name ALLAHABAD BANK Term of Loan 36 months
Bank Account No. 50147010180 Mode of repayment Direct debit
Account Type SA Bank ALLAHABAD BANK
Bank Branch Ensure sufficient balance in your bank account for Direct Debit of
GREEN PARK Monthly Instalments.

OTHER TERMS & CONDITIONS

1. Please refer 'General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited (HCIN)' (“GTC”) as registered with Sub-Registrar of
Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 for terms and conditions applicable to this loan, a copy of which has been
provided to you and is also available at website of HCIN i.e. [Link]

2. You authorize HCIN to accept all the instructions/ applications/ requests made by you through any of the Contact Options mentioned in the GTC (such as e-mail, sms etc.) in respect of all
Loan(s) obtained by you and for the purposes of considering, granting, approving, or disbursing the Loan(s).

3. HCIN offers different interest rate based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's age, income,
type of documents provided by the applicant and any other information as may be required for the purpose of credit evaluation. You understand that HCIN offers and charges different rate of
interest to different borrowers based on the aforesaid rationales and you agree to abide by such rationale. You further confirm that HCIN shall be entitled to categorise you under High, Low,
Medium or any other risk category based on the aforementioned factors and the loan performance. The Interest Amount has been calculated using flat rate of interest for the entire loan period.
Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount.

4*. You are advised to make payment of Monthly Instalment by Recommended Payment Date so that your loan account is appropriately credited with the Monthly Instalment by Due Date.

For Home Credit India Finance Private Limited

AUTHORIZED SIGNATORY
Note: This is a computer generated document and therefore does not require the signature from the Company.
I hereby confirm that I have read and understood clearly and completely the provisions of the aforementioned GTC
as well as the terms and conditions mentioned above and I undertake to abide by the same during the tenure of all
present and future Loan(s) obatined by me from HCIN. I confirm that I have received the copy of this Loan Summary
and the General Terms and Conditions. I confirm that my acceptance of the terms of this Loan Summary can be
obtained by HCIN using any of the Contact Options mentioned in the GTC (such as e-mail, sms etc.). I agree and
confirm that the courts in Delhi shall have the exclusive jurisdiction over all the matters and disputes pertaining to
Loan(s) obtained by me from HCIN irrespective of place of signing of any of the Documents.

Borrower's Name: MAINUDDIN X Borrower's Signature:

Date: 30/08/2018 Place: DELHI

Registered Office- Home Credit India Finance Private Limited, 3rd Floor, Infinity Tower C, DLF Cyber City Phase 2, Gurugram, Haryana 122002