Date: 4th Dec, 2025

Name of the Borrower: YUVANG GUPTA

Address of the Borrower: Arya Nagar Etah, ETAH, UTTAR PRADESH, 207001.

Dear Sir/Madam,

Sub: Sanction Letter

With reference to your application dated on 4th Dec, 2025 for availing a loan
for an amount of ₹2000, we are pleased to sanction the same subject to the
terms and conditions as mentioned below and in the loan agreement to be
executed.

Particulars Details

Nature of Loan Unsecured Personal Loan

Principal
₹2000
Amount(INR)

Annualized Rate
of Interest (% 39
Per Annum)

Annualized
Effective Rate of
18.45
Intrest(% Per
Annum)

Interest
₹182
Amount(INR)

Loan Term 180 days

Number of
Repayment 6
Installment

Total Repayment
The Total Repayment Amount is ₹2182 and the term is 180 days.
Amount

Fees and Charges

Processing Fee
₹88
+GST(INR)

Insurance
charges+GST(if ₹0
applicable)(INR)

Other
Product/Services
₹0
+GST(if
applicable)(INR)
Repayment
0.1% of Repayment Amount
Fee(INR)

The Borrower may prepay, in whole the outstanding amount of the facility at
any time during the loan tenure, subject to the payment of a prepayment fee.

It is further acknowledged that for any installment due within the next 30 days,
payment before the due date will not be considered to be a prepayment and
there will be no waiver of interest on such repayment before due date.

In case the borrower opts to prepay any installment after the look-up period, a
Prepayment charge of 4.5% of the principal amount prepaid plus GST
at applicable rates shall be charged. However, the total of principal
prepaid and prepayment fee (including GST) will not exceed their total
Prepayment fee: installment amount payable as on their due dates.

The prepayment option will be available from 2nd installment onwards and the
borrower can foreclose the installment at least 30 days in advance from due
date of the installment.

The discount amount of Rs.0, as applicable shall not be available to the

borrower for such pre-payments made within the look up period.

It is hereby acknowledged by the Parties that in case of prepayment during the

look-up period the proportionate APR up to the time of repayment along with
processing fee and autopay set up charges shall be charged.

Repayment
Convenience As per payment gateway charges
Charges

Auto Pay Set Up

Charge + GST ₹0
(INR)

Auto Pay ₹0
Maintenance
Charge + GST Charged at a rate of ₹0 + GST per financial quarter, where a repayment is due
(INR) for the loan and the maintenance charge is not already paid

Fees for
additional
services or
NA
events such as a
change in
NACH/bounce

Annualized
Penal Charges (a). An amount to be payable by borrower on repayment post due date for
for overdue each installment as tabled below:
loans
 Amount in Rs
Installment
Late Payment Charges
Due

DPD 61
Maximum
DPD DPD DPD DPD DPD and Maximum
Lower Upper DPD Late
11- 21- 31- 41- 51- Onwards No of *Annualised%
Limit Limit 1-10 Payment
20 30 40 50 60 (for every days
Charges
10 days)

1 100 4 3 3 2 2 2 1 40 460 32%

101 250 10 8 8 5 5 5 2 100 460 32%
251 500 20 15 15 10 10 10 3 200 460 32%
501 1000 40 30 30 20 20 20 6 400 460 32%
1001 1500 60 45 45 30 30 30 9 600 460 32%
1501 2000 80 60 60 40 40 40 12 800 460 32%
2001 2500 100 75 75 50 50 50 15 1000 460 32%
2501 3000 120 90 90 60 60 60 18 1200 460 32%
3001 3500 140 105 105 70 70 70 21 1400 460 32%

* The above annualized % is computed based on the maximum Penal Charges

on the upper limit and considering the maximum no of days upto which it shall
apply.

- In case of payment after due date, the Annualised Rate of Interest 39% shall
be charged till the actual date of payment

(b).Bounce Charges

Rs. 100.00/- per instalment

Bounce Charges shall mean penal charges for dishonor of any payment
instrument / mandate resulting into non-payment of installment on their
respective due date
Bounce charge which are penal in nature will be applicable only once for
each installment
If a payment is not made by the due date (or within grace period of 1 day),
due to dishonor of a payment instrument / mandate, bounce charges will
be levied on 2 day(s) after the due date
The combined annualized penal charge %(Including Late Payment Charge
and Bounce Charge) on each installment will range between 43% to 73%.

Penal Charge shall mean sum of Bounce Charge and Late Payment Charge.
Overdue charge shall mean sum of Interest after Due Date (IADD) and Penal
Charge
Overdue Amount shall mean sum of Installment amount and Overdue
Charge

For any installment that is overdue, the Overdue Charge will start applying.
The Overdue Charges, mentioned above, will accumulate till the Overdue
Amount becomes twice the installment amount.

Once the overdue Amount reaches a value of twice the installment amount,
the Penal Charges will be progressively reduced to zero such that the Overdue
Amount does not exceed twice the instalment amount, while IADD will continue
to accrue. Once the applicable IADD becomes equal to the installment amount,
 the IADD will accrue at 24% per annum. Under any circumstances, the
Overdue Amount shall not exceed three times the installment amount.

Net Disbursal
₹1912
Amount(INR)

Discount
₹0
Amount(INR)

Total Repayable
₹2,182.00
Amount(INR)

Annualized
Percentage 60.7
Rate(APR) %

Repayment
Please Refer to Repayment Schedule
Schedule

24 hours from the time of loan disbursal.

In case of prepayment of loan during cooling off/look up period the principal

Look Up Period and the proportionate APR without any penalty shall be payable along with
processing fee and autopay set up charge as mentioned in Part-1 point 8(i) and
8(iv) of the KFS. The discount amount of ₹0, shall not be available to the
borrower for such prepayments made within the look-up period.

Loan Repayment Schedule

Sl. Repayment Instalment Repayment

Principal Interest
No. Date Amount Fee

1 Jan 03, 2026 ₹865 ₹800 ₹65 ₹0.87

2 Feb 02, 2026 ₹279 ₹240 ₹39 ₹0.28

Repayment
Schedule 3 Mar 04, 2026 ₹271 ₹240 ₹31 ₹0.27

4 Apr 03, 2026 ₹263 ₹240 ₹23 ₹0.26

May 03,
5 ₹256 ₹240 ₹16 ₹0.26
2026

6 Jun 02, 2026 ₹248 ₹240 ₹8 ₹0.25

Calculation of interest is done on a monthly basis, number of days in a month
being 30 and 360 days in a year.

Charges
pursuant to
As to be agreed in the Addendum Agreement
Addendum
Agreement

Governing Law
Kolkata, West Bengal
and Jurisdiction

BORROWER CAN RAISE THEIR GRIEVANCE BY WRITING TO

SUPPORT@[Link] FOR THE COMPLAINTS RELATED TO THE LOAN.
BORROWER CAN ALSO REFER TO LINK TO THE GRIEVANCE REDRESSAL POLICY
OF LSP AVAILABLE ON “GRIEVANCE REDRESSAL POLICY LINK”
 For the purpose of undertaking collection and recovery the Lender either on its
own or through the lending service provider (including its agents etc.),
undertake collection or recovery from the Borrower. For details of service
provider and its agents etc. please refer to “LSPs- DLAs DETAILS” .
The Privacy Policy of the Company and LSP/DLA can be viewed at “MFSPL-
PRIVACY POLICY” and Policy- LSP & DLAs” .
All charges will be deducted from the disbursal amount.

Terms & Conditions:

I acknowledge that

1. These are the Most Important Terms & Conditions of the aforesaid Loan,
and all other terms and conditions of the Loan shall be as specified in the
Loan Agreement.
2. I hereby request the Lenders to debit Rs.0 /- only from Loan and pay
insurer/ vendor towards insurance premium/ sale price of product /
service.
3. I hereby acknowledge and agree that the autopay mandate setup for loan
repayment can only be cancelled/closed upon closure of loan or if another
autopay is already registered.
4. I am well aware of the features and terms & conditions of the insurance/
product / service and voluntarily availed/ purchased the same on my own.
Hence, I will not hold the Lenders and/or Lending Service Provider
responsible for any defect/service deficiency/rejection of claim/warranty
by the insurer/vendor of product/ service.
5. I hereby provide my explicit consent to share my personal details/KYC
information to the insurer/vendor of product/ service, as required, for
granting the said insurance/service/product.
6. The Lenders, at its sole discretion, shall be entitled to revoke this sanction
upon occurrence of any of the following events:
a. There is any material change in the purpose for which the Loan has
been sanctioned.
b. In the sole judgment of Lenders, any material facts have been
concealed and / or become subsequently known.
c. Any statement, declaration, undertaking or disclosure made by, or on
behalf of, the Borrower/Customer in the application or otherwise is
incorrect, inaccurate, incomplete or misleading.
d. There is a default or a breach of the terms and conditions of this
Sanction Letter or the other terms of the loan.
e. If there is any bankruptcy or insolvency proceeding filed or admitted
against the Borrower/Customer.
f. Relevant documents are not executed by the Borrower as per
Lender''s policy and format.
7. The Borrower may prepay, in whole the outstanding amount of the facility
at any time during the loan tenure, subject to the payment of a
prepayment fee. It is further acknowledged that for any installment due
within the next 30 days, payment before the due date will not be
considered to be a prepayment and there will be no waiver of interest on
such repayment before due date. In case the borrower opts to prepay any
installment after the look-up period, a Prepayment charge of 4.5% of
the principal amount prepaid plus GST at applicable rates shall be
charged. However, the total of principal prepaid and prepayment fee
(including GST) will not exceed their total installment amount payable as
on their due dates. The prepayment option will be available from 2nd
 installment onwards and the borrower can foreclose the installment at
least 30 days in advance from due date of the installment. The discount
amount of Rs.0, as applicable shall not be available to the borrower for
such pre-payments made within the look up period. It is hereby
acknowledged by the Parties that in case of prepayment during the look-
up period the proportionate APR up to the time of repayment along with
processing fee and autopay set up charges shall be charged.
8. The Borrower hereby understands that identical products with identical
tenor and availed during the same period may attract different interest
rates. Interest rates could vary depending upon consideration of all or
combination of multiple factors including but not limited to the following:
Historical performance of similar homogeneous clients; Profile of the
applicant; Repayment track record of the applicant; Unsecured loan; Loan
ticket size; Credit rating of the applicant; Loan tenor; Location delinquency
and collection performance; Other indebtedness of the applicant
9. The Borrower understands that the Lender has adopted risk-based pricing,
which is arrived by considering, broad parameters like the borrowers
financial and credit risk profile. Hence, the rates of Interest will be
different for different categories of borrowers based on the Interest rate
model disclosed in the Interest Rate Policy on the Lender''s website
available at “Interest Rate Policy” .
10. The Borrower declares that he/she is aware that the Sanction Letter and
other incidental documents executed by him/her integrate all the
conditions mentioned herein or incidental thereto, and supersede all
negotiations or prior writings, except for those provisions specified herein.
The sanction of the abovementioned Loan and all the terms and
conditions mentioned in this Sanction Letter are subject to the execution
of the digitally signed click-wrap Loan Agreement ("Loan Documents") as
Lender may specify in the prescribed formats. This Sanction Letter intends
to summarize certain basic terms of the Loan and the Loan Agreement
and does not reflect the complete agreement between the Lender and the
Borrower in relation to the Loan.
11. This Sanction Letter intends to summarize certain basic terms of the Loan
and does not reflect the complete agreement between the Lender and the
Borrower in relation to the Loan. The Loan Documents shall contain
additional terms and conditions which have not been set out in this
Sanction Letter and the Loan Documents shall be read together with the
terms and conditions specified in this Sanction Letter.
12. I hereby further confirm that I understand English Language and agree
that all the loan documents, T&C and other related documents and future
communication are to be sent in English Language. If I have specified a
preferred language other than English, I understand that all documents
will be sent to me in the preferred language as well.
13. Disclosure : As a precondition to the Loan to be granted to the Borrower
by the Lender, the Borrower by accepting this Sanction Letter authorizes,
consents and agrees for the disclosure and sharing by the Lender of all or
any information and data relating to the Borrower to the Reserve Bank of
India ("RBI") and/or to the Credit Information Companies (CIC) and/or to
any other agency authorized in this behalf by RBI / CIC, to the Lender''s
professional advisers and consultants, to its affiliates/ subsidiaries,
agents, and to its service providers. In case of default in the repayment of
the loan/advances/interest on due dates, Lender and/or the RBI / CIC will
have an unqualified right to disclose or publish the name of the Borrower
 and its directors / partners as defaulter in such manner and through such
medium as Lender or the RBI in their absolute discretion may think fit.
14. The Borrower shall notify the Lender in writing no later than 7 days of all
changes in the location/address of office/residence/place of studying/place
of business.
15. Confidentiality: The Sanction Letter and its content are intended for the
exclusive use of the Borrower and shall not be disclosed by the Borrower
to any person other than the Borrower's legal advisors for the purposes of
the proposed transaction unless the prior written consent of the Lender is
obtained.
16. Representations and Warranties: Usual and customary for transactions of
this nature, including but not limited to maintenance of existence; notices
of default, material litigation; compliance with applicable laws and
decrees; payment of taxes; maintenance and insurance.

For the classification of a loan account as Special Mention Accounts (SMA)/

Non-Performing Asset (NPA) the following principle is applicable as on the date
of this Sanction Letter and all dates mentioned here-in are for illustration
purpose.

If there is a default in making payment of Principal or interest or any other

amount wholly or partly levied by the Company on or before due date, then
such overdue loan account shall be classified as SMA (Special Mention account)
or NPA (Non-performing asset) as per RBI regulations as indicated in below
table:

Overdue Classification

For a period upto 30 days SMA-0

For a period more than 30 days and

SMA-1
upto 60 days

For a period more than 60 days and

SMA-2
upto 90 days

For a period more than 90 days NPA*

*Upgradation of accounts classified as NPAs

Loan account once classified as NPA can be upgraded as standard only after
entire arrears of principal, interest and any other amount are paid by the
borrower.

Illustration for Classification of borrowers account as SMA/NPA for easy

reference:

If Due date of a Loan account repayment is March 31, 202X, then indicative
SMA/NPA classification shall be as follows:

If due date of a loan account is March 31, 202X, and full dues are not received
by the lender on this date, the date of overdue shall be March 31, 202X.

If it continues to remain overdue, then this account shall get tagged as SMA-1
upon the day- end of April 30, 202X i.e. upon completion of 30 days of being
continuously overdue. Accordingly, the date of SMA-1 classification for that
account shall be April 30, 202X.
Similarly, if the account continues to remain overdue, it shall get tagged as
SMA-2 upon the day-end of May 30, 202X and if continues to remain overdue
further, it shall get classified as NPA upon the day-end of June 30, 202X as per
extant asset classification norms of Reserve Bank of India.

Please note that this communication should not be construed as giving rise to
any obligation on the part of mPokket Financial Services Private Limited unless
the loan agreement and the other documents relating to the above assistance
are executed by you in such form and manner as may be required by mPokket
Financial Services Private Limited.

We look forward to your availing of the sanctioned loan and assure you our
best service always.

Thanking You,
For mPokket Financial Services Private Limited

Digitally Signed by mPokket Financial Services Private Limited

04/12/2025, 08:05:36