At Piramal Capital & Housing Finance Limited (Formerly Known as Dewan Housing Finance

Corporation Limited) (“PCHFL”), we respect your privacy. By providing your personal data to PCHFL,
you agree to PCHFL, and / or its affiliates and / or assigns use of this information for its business
purposes including but not limited to credit evaluation, due diligence, legal / regulatory obligations and
risk management procedures. All your personal information collected will be processed in a fair and
secure manner. We shall use reasonable technical and organizational measures to ensure the security and
confidentiality of your Personal Data. For more information you may visit our ‘Privacy Policy’, ‘Website
Usage Policy’ and Disclaimer on our website [Link].

I hereby apply for a business loan at Piramal Capital & Housing Finance Limited (Formerly Known as
Dewan Housing Finance Corporation Limited) (“PCHFL”).
I hereby declare and confirm:

1. That all the particulars, information and other documents submitted by me with PCHFL are true,
correct, complete and updated in all respects & no material and relevant information has been
withheld / concealed.

2. That if any discrepancy is found or observed in the information given by me and the documents
shared , PCHFL shall have the sole discretion to cancel the sanction at any stage and recall the loan
if already disbursed.

3. I confirm and agree that I can read and understand the terms in English language. I agree to receive
all documents/ correspondence in English language.

4. I undertake to inform PCHFL regarding any change in respect to my information submitted

including change in address, income and telephone numbers, email ID etc.

5. I agree that PCHFL shall be entitled to presume that any communication received by PCHFL
through Email ID / Mobile Number provided by me with PCHFL has been actually given by me
and is genuine, valid & binding on me. PCHFL shall at no point of time be held liable &
responsible to ensure or ascertain the validity of the said communication received through the said
Email ID / Mobile Number.

6. That there has never been an award or an adverse judgement or decree in a court case involving
breach of contract, tax malfeasance or other serious misconduct which shall adversely affect my
ability to repay the loan; neither any criminal proceedings have been initiated and/or pending
against me in any courts of India. I have never been a defaulter with PCHFL or any other financial
institution.

7. PCHFL shall be under no obligation to refund the registration / upfront / processing / any other fee
along with applicable taxes in any event.

8. That interest rate for each loan will be decided by PCHFL after considering various factors such as
customer profile, tenor of loan, type of loan, value of security etc. Gradation of interest will be
based on factors such as Credit Bureau score, income, etc. For more details, I can refer to PCHFL’s
website [Link].

9. I have not made any payment (and will not pay) either through cheque/cash or otherwise to any
Executive/DSA/Service Provider or person in his/her personal name for grant/processing of the
loan.

10.
10. I authorize PCHFL or its service provider to obtain my credit report from credit bureau agencies as
recommended by NHB / Regulatory Authorities, Government of India, third party entities; to share
information at periodical basis to credit bureaus, to make references, enquiries and obtaining
information of this application which PCHFL considers necessary.

11. I shall indemnify PCHFL against any loss or damage (which PCHFL may suffer) as a result of any
action / claim raised by such institutions or any third party for making reference, conducting
investigations and / or making disclosures in terms of the preceding clause;

12. PCHFL may use external agencies to conduct credit & risk due diligence as well as document and
field investigations and can share my personal data for the same.

13. I confirm that I shall use the loan facility (or any part thereof) only for the purpose as mentioned in
the Loan Agreement and not for any improper/ illegal, speculative or anti-social or unlawful
purpose /activities.

14. That PCHFL shall have the absolute discretion, without assigning any reasons (unless required by
applicable law) to reject my loan application and PCHFL shall not be responsible in any manner
whatsoever to me for such rejection or any delay in notifying me of such rejection and any costs,
losses, damages or expenses, or other consequences, caused by reasons of such rejection, or any
delay in notifying me of such rejection, of our application.

15. That I am above 18 years old & competent to give present declaration & undertaking, submit the
documents/details in digital mode for the purpose of availing the loan, and for all the purposes
mentioned / required to be done by PCHFL for sanctioning the loan.

16. I hereby consent to receiving information from Central KYC Registry through SMS / e-mail on my
mobile number / email address as mentioned on the Technology Platform.

17. I confirm that I have been informed by PCHFL about the other documents that may be submitted
apart from my Aadhaar number for establishing my identity and address proof however, I have
voluntarily chosen to my Aadhaar number.

18. I hereby consent and submit voluntarily at my own discretion and without coercion, the physical
copy of Aadhaar card /e-Aadhaar / Aadhaar secure Quick Response (QR)/ offline Aadhaar xml as
issued by UIDAI (Aadhaar), with PCHFL and/or any Third Party to i) establish my identity /
address proof for the purpose of processing my loan application, ii) enabling me to eSign the loan
related documents and eSign the Mandate and authenticate my identity through the Aadhaar
Authentication system (Aadhaar based e-KYC services of UIDAI) in accordance with the
provisions of the Aadhaar (Targeted Delivery of Financial and other Subsidies, Benefits and
Services) Act, 2016 and the allied rules and regulations notified thereunder (Purpose). I hereby
explicitly authorise PCHFL and any other third party appointed by PCHFL (Third Party) to fetch
and verify my information regarding Aadhaar Number, Aadhaar XML, Virtual ID, e-Aadhaar,
Masked Aadhaar, Aadhaar details, demographic information, identity information, Aadhaar
registered mobile number, face authentication details and/or biometric information (“Aadhaar
Information”) from UIDAI for the Purpose as mentioned above. I agree to take all the necessary
actions required for the purpose of authenticating and verifying my Aadhaar Information. I further
agree that I have been sufficiently informed by the Lenders about other alternative documents that
can be submitted for establishing proof of identification and address.

19. I understand and agree that the consent and purpose of collecting Aadhaar has been explained to
me in local language. PCHFL has informed me that my Aadhaar submitted herewith shall not be
used for any purpose other than mentioned above, or as per requirements of law and is not stored
by the Third Party, Aadhaar number has been redacted or blacked out through appropriate means,.
I give a valid, binding, irrevocable and explicit authorisation and consent as maybe required under
applicable laws, rules, regulations and guidelines for availing the Aadhaar API services of PCHFL
and/or Third Party including, but not limited to the transmission and storage of my Aadhaar
Information by PCHFL and/or Third Party.
 20. PCHFL has taken required efforts to ensure that the information and/or statement and/or certificate
provided on its website/Mobile App (“Technology Platform”) is reasonably accurate, further I also
acknowledge that PCHFL does not warrant the accuracy, completeness, suitability, correctness,
adequacy and validity of such information and/or statement and/or certificate/services provided
therein whatsoever for any purpose.

21. PCHFL disclaims all responsibility for i) any loss, injury, liability or damage of any kind resulting
from and arising out of, my use of the Technology Platform ii) for loss of use, data or profits,
arising out of or in any way connected with the use of the PCHFL's Technology Platform iii) for
the delay or inability to use the Platform iv) or failure to provide services, v) for any information,
date, statement, certificate, software, and any other services obtained through the Technology
Platform or otherwise arising out of the use of the Technology Platform.

22. It will be my sole responsibility to ensure that the username and password to use the Technology
Platform are kept confidential and not disclosed to any third party, including any representative of
the PCHFL, or its agents and, shall take all possible care to prevent discovery of the username or
password by any person.

23. I have carefully read and fully understood and accepted the terms & conditions pertaining to
PCHFL’s Privacy Policy, Website Usage Policy and Disclaimer as mentioned on its Technology
Platform and agree that these terms and conditions may be amended or modified by PCHFL at any
time and I/we will be bound by the amended terms & conditions that are in force.

24. PCHFL reserves the right to suspend the services of the Technology Platform if in PCHFL‘s
opinion security of the Technology Platform or of the data could be compromised. In such event
user shall contact PCHFL offices for any clarification.

25. I hereby give my consent to receive WhatsApp updates & communication from PCHFL on the
mobile number provided by me on the Platform.

26. I am aware that PCHFL is registered with IRDAI bearing Certificate of Registration No CA0052 to
act as a Corporate Agent (Composite) & is a Group Insurance Organiser/ Administrator/Master
Policy holder and thereby authorised to solicit and service insurance business of both Life and
General Insurance. For more details I have to visit PCHFL’s website [Link].

27. I hereby give my explicit consent to PCHFL to deduct the insurance premium and other related
charges from the sanctioned Loan amount and pay the amount to the insurance company.

Agreed & Accepted

Name of the Borrower: Vikash Kumar Mishra
Time: 08:13 AM Date: 14-Feb-2025
I.P. Address: [Link]

Digital Signatures

For ease of operation, I hereby sign the Application Form digitally through Aadhaar based
eSignature and shall enter the one-time password (“OTP”) in token of having read, understood,
and irrevocably agrees and accepts the Application Form. Once the said OTP is entered,
PCHFL shall assume that such OTP has been provided by me and it is my sole responsibility to
ensure that the OTP is not compromised or shared with any unauthorized users.
Since you are signing the Application Form digitally, no other/further act, deed or writing on
your part shall be further require for acceptance of the Application Form including any physical
signature.