To, Umar Ansari,
Vill-Post-Makri,Ps-Bhawanathpur Makri Garhwa Date:Aug. 8, 2026
Jharkhand 822112
Sub - Loan Sanction letter Cum Key Fact Statement
We hereby confirm that your loan is approved by BANSAL IN-HOLD LIMITED as per the following terms &
conditions. Your loan amount will be deposited into the bank account mentioned below.
PART 1
1. Name of the Lender BANSAL IN-HOLD LIMITED
2. Name of the Borrower Umar Ansari
Name of the Lending Service Provider MY MONEY BAZAAR INDIA PRIVATE
3.
(LSP) LIMITED
Name of the Digital Lending Application MY MONEY BAZAAR INDIA PRIVATE
4.
(DLA) LIMITED
Name of the of Loan Service Provider
MY MONEY BAZAAR INDIA PRIVATE
5. acting as recovery agent and authorized to
LIMITED
approach the Borrower
6. Purpose of the Loan Business purpose
BULLET LOAN /
Loan proposal/
7. 81824271786177320 Type of loan ONE TIME
account No.
REPAYMENT
8. Sanctioned Loan amount (in Rupees) 12000
9. Net disbursed amount INR 9168 after deduction of Processing Fee
Disbursal schedule
(i) Disbursement in stages or 100% upfront.
10. 100% upfront
(ii) If it is stage wise, mention the clause of
loan agreement having relevant details
11. Loan term (year/months/days) 22 days
12. Cooling Off/ Look up Period 3 days
13. Instalment details
Commencement of
i. Type of instalments Number of EPIs EPI (Rs) repayment, post
sanction
Bullet 1 14640 22 days
Interest rate (%) and type (fixed or floating 360.0 % per annum/year and/ or 30.0 % on a
14.
or hybrid) monthly basis; + (plus);
Total Interest Amount to be charged during
(a) 2640
the entire loan tenor (in rupees)
15. Fee/Charges
A cooling off period allows you / Borrower / end-user to cancel or withdraw from the loan until the Cooling-off
Period. Upon expiry of the Cooling-off Period, the loan terms shall be deemed to be accepted by you. The
Cooling-off Period on the loan commences / starts from the date of signing / accepting the loan terms / agreement
and ends on the third (3) day from such acceptance . The Lender shall not levy any penalty or pre-payment
charges for cancellation during the Cooling-off Period.
To apply for cancellation of loan during the Cooling-off Period, a request must be submitted by the Borrower at
bansalinholdltd95@[Link]. After submission of such request, the Borrower must submit a copy of the bank
account statement in which the said loan amount was disbursed along with an undertaking that such loan amount
was not utilized by the Borrower during the Cooling-off Period.
The cancellation request will only be accepted, if (a) the loan has not been utilized; and (b) the Borrower repays the
principal amount along with the proportionate Rate of Interest
As the Loan sanctioned is Bullet Loan (one-time repayment), the nature of Interest applied is Flat rate of interest.
Payable to BANSAL IN-HOLD LIMITED
Type of Fee/ Amount (in Rs) or Percentage (%)
(a) One-time/ Recurring
Charge as applicable
(i) Processing Fee One-time 2400
Insurance
(ii) One-time 0
charges
The Loan and any other services
rendered by the Lender and/ or
payments made by the Borrower
shall be subject to applicable taxes
(iii) Taxes & Levies notified by the government from NA
time to time. The Borrower shall
pay all taxes present and future on
any transactions undertaken with
the Lender
1. Cheque/electronic Instrument
bounce /non-registration of NACH
Cost and –
(iv) NA
Charges 2. Payment gateway charges for
repayment –
3. Stamp Duty –
16. Annual Percentage Rate (APR) (%) 716.23 % p.a.
17. Details of Contingent Charges (in Rs or %, as applicable)
According to Bounce Charge/
(i) Penal charges, if any, in case of delayed payment
Penal Charges Grid
(ii) Other penal charges, if any NA
(iii) Foreclosure charges, if applicable NA
(iv) Any other charges (please specify) NA
18. Total Amount to be paid by the borrower (in Rupees) INR 14640
TABLE I: REPAYMENT SCHEDULE
EMI Amount
Total Repayable
EMI No. EMI Due Date
Amount
Principal (INR) Interest (INR)
1 Aug. 29, 2026 12000.0 2640 14640
Table II: Bounce Charge/ Penal Charges Grid
• One-time penal charges @ 10% + Applicable Taxes (If Any)
• Minimum Penal charges amount Rs. 100/- + Applicable Taxes (If Any)
• Maximum Penal charges amount Rs. 3000/- + Applicable Taxes (If Any)
Bounce Charges
Amount Bounce Fee (excluding GST)
0-2000 100
2001-5000 200
5001-8000 300
8001-10000 400
10001+ 500
Details of Grievance Redressal Mechanism:
In consonance with the guidelines set out by Reserve Bank of India (RBI) and other regulatory authorities, BANSAL
IN-HOLD LIMITED has formulated the Grievance Redressal Policy to address and resolve the complaints received
from its customers. The said Grievance Redressal Policy is set out on the official website of BANSAL IN-HOLD
LIMITED i.e. [Link]
Details of Grievance Redressal Officer:
Grievance Redressal Officer (GRO)
Level_1 Borrowers can refer to Grievance Redressal Policy at
[Link]
Grievance Redressal Officer Nodal Officer
(GRO)
Mr. Rajesh Singh
Mrs. Gurmeet Kaur Address: FLAT NO. 353 - GR
Address: FLAT NO. 353 - GR FLOOR,
FLOOR, BHARAT APARTMENT PKT 3C,
BHARAT APARTMENT PKT 3C, SEC-16B, N.S.I.T. DWARKA,
SEC-16B, N.S.I.T. DWARKA, SOUTH WEST DELHI, NEW
SOUTH WEST DELHI, NEW DELHI, DELHI – 110078
DELHI, DELHI – 110078 Contact No: 8505918787
Contact: 8512040539 Email:
Email: nodal@[Link]
LSP
grievance@[Link]
If the Borrower does not receive
The GRO may be reached on the a response from the GRO within
number provided above any time 14 (fourteen) days of making a
between 10:00 and 19:00 from representation, or if the Borrower
Monday to Saturday except on is not satisfied with the response
public holidays or through the received from the GRO, the
e-mail address above. The GRO Borrower may reach the Nodal
shall endeavour to resolve the Officer anytime between 10:00 to
grievance within a period of (14) 19:00 from Monday to Saturday
fourteen days from the date of except public holidays or write to
receipt of a grievance. the Nodal Officer.
Grievance Redressal Officer Nodal Officer
(GRO)
Mr. Naresh Kumar
Mr. Vivek Malhotra Address: E- 371 Back Side
Address: E- 371 Back Side Portion S/F Main Vikas Marg,
Portion S/F Main Vikas Marg, Nirman Vihar
Nirman Vihar Near Lagan Banquete Delhi:
Near Lagan Banquete Delhi: 110092
110092 Contact: 9821516090
Contact: 9643518121 Email:
Email: [Link]@[Link]
RE grievances@[Link]
If the Borrower does not receive
The GRO may be reached on the a response from the GRO within
number provided above anytime 14 (fourteen) days of making a
between 10:00 and 19:00 from representation, or if the Borrower
Monday to Saturday except is not satisfied with the response
public holidays or through the received from the GRO, the
e-mail address above. The GRO Borrower may reach the Nodal
shall endeavor to resolve the Officer anytime between 10:00 to
grievance within a period of (14) 19:00 from Monday to Saturday
fourteen days from the date of except public holidays or write to
receipt of a grievance. the Nodal Officer.
If any customer is not satisfied with the resolution provided by the Grievance Redressal Officer, then escalation can
be made to the:
Reserve Bank Of India
The Officer In-Charge
Consumer Education and Protection Cell
M.G Road, Kanpur - 208 001
Telephone: 0512-2332938
The Designated Officer at Level 1 shall be responsible, inter alia, for representing BANSAL IN-HOLD LIMITED
before the Ombudsman and the Appellate Authority under the Scheme. The Designated Officer at Level 2
appointed at the Head Office of the Company shall be responsible for coordinating and liaising with the Customer
Education and Protection Department (CEPD), RBI, Central Office.
TERMS & CONDITIONS OF RECOVERY MECHANISM
The Lender undertakes the recovery practices considering the following terms.
1. In-house/Outsource Recovery
2. Telephone Recovery {Human / IVR / Robo Calls}
3. Digital Recovery
4. Reminder Communication
5. Legal Notice
6. Arbitration & Conciliation
For the purpose of undertaking collection and recovery the Lender may, either on its
own or through the service provider (including its agents etc.), undertake collection
or recovery from the Borrower.
Classification of Special Mention Accounts (SMA) & Non-Performing Assets (NPA)
• Dues: Indicate 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.
• Overdue: Indicates 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 Company under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the
Company. Which shall become a part of process of all the mandates related to consumer education literature on
NPA and SMA classification of accounts.
• Following is the loan classification structure:
Classification Days Past Due (DPD) Bucket Description
If the due date of a loan account
is March 31, 2024, and full dues
are not received before the
day-end process for this date,
SMA – 0 Upto 30 days
the date of overdue shall be
March 31, 2024, and it shall get
tagged as SMA-0 on March 31,
2024.
Continuing from the above, if the
account continues to remain
overdue, then it shall get tagged
More than 30 days and upto 60
SMA – 1 as SMA-1 by day-end process on
days
April 30, 2024, upon completion
of 30 days of being continuously
overdue.
Continuing from the above, if the
account continues to remain
overdue, then it shall get tagged
More than 60 days and upto 90
SMA – 2 as SMA-2 by day-end process on
days
May 30, 2024, upon completion
of 60 days of being continuously
overdue.
Continuing from the above, if the
account continues to remain
overdue, it shall be classified as
NPA by day-end process on
June 29, 2024, upon completion
of 90 days of being continuously
NPA More than 90 days overdue. Once an account
becomes NPA, it shall remain to
be tagged as NPA until all
overdue amounts are cleared
and the DPD becomes 0. Any
partial payments will not change
the NPA status.
Declaration:
I, Umar Ansari(“Customer”), hereby declare and state that I understand English and have read and understood
the terms and conditions of Sanction Letter cum Key Fact Statement. I acknowledge the receipt of the Sanction
Letter cum Key Fact Statement of BANSAL IN-HOLD LIMITED for Personal Loan.
For any queries, you may write to us at [Link]
Look forward to serving you.