KATCHARA Branch

Ref. No. UBIM0000292695 Sanction Date: 16-11-2025

Letter of Sanction

To,
M/s Swati singh (Proprietor: SWATI SINGH)
11, Arvind singh, Barhat, Barhat, Barhat, Ghazipur,
GHAZIPUR, UTTAR PRADESH, 233311

Dear Sir/Madam,

SUB: Your request for Sanction of Credit facilities

With reference to your request dated through digital mode, we are pleased to inform you that we have
sanctioned the below credit facilities at our KATCHARA Branch to you as detailed hereunder, subject to
periodical review at the Bank's discretion.

Nature of Facility Sanctioned Limit

Term Loan 787000.0

The terms and conditions governing the Credit Facilities as mentioned above are detailed in Annexure (I). The
Swati singh should comply with all the Government/RBI guidelines as applicable from time to time.

The duplicate of this letter may please be returned to us duly signed in token of having accepted the terms
and conditions as detailed in Annexure.

Yours faithfully,

For Union Bank of India

This is a digitally generated document. No signature is required.
Accepted the above on the terms and conditions mentioned in Annexure I

Time Stamp of E-Sign by Borrower:

Signature of Borrower

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 1
Standard Terms & Conditions for Term Loan Annexure I
1 Name of Borrower (S) Swati singh
11, Arvind singh, Barhat, Barhat, Barhat, Ghazipur,
2 Address
GHAZIPUR, UTTAR PRADESH, 233311
3 Branch KATCHARA
4 Regional Office Ghazipur West
5 FGMO Varanasi
6 Date of Sanction 16-11-2025
7 Validity of Sanctions 6 Months from the Date of Sanction
8 Purpose of Loan 72909-OTHER [Link]
9 Due Date for Review/Renewal One year from the Date of Sanction
DETAILS OF LIMITS WITH MARGIN/INTEREST/SECURITY
Approved
[Link] Nature of Limit Amount Margin Security
Interest
Asset bought out of Bank's
1 Term Loan 787,000.00 25.00% EBLR* +2.75%
finance

*Currently EBLR is 8.25% with effective from 16-04-2025. EBLR is subject to periodic change as per Bank/RBI’s guidelines.

Covered under CGTMSE YES

• The credit facility sanctioned is covered under CGTMSE scheme.
• The Credit Guarantee Fees (1st time) and the Annual Guarantee Fees (yearly renewal every year)
charged by CGTMSE is to be borne by the borrower.
• Additional handling charges of 10% over and above the CGTMSE Fees &applicable GST to be borne by
the borrower.
• The guarantee fees are as per the details available on the website of CGTMSE & communicated to Bank
from time to time. Fees & Banks' Risk Premium are subject to change. No separate communication shall
be sent by the Bank.
• The CGTMSE fees are Non-refundable in case of pre-closure/ takeover of account or removal from the
scheme. The same is subject to change asper the latest directives of CGTMSE. Bank's handling charges
is also Non-refundable.

REPAYMENT SCHEDULE:
PARTICULARS TERMS
Facility Term Loan
Purpose of Loan 72909-OTHER [Link]
Amount 787,000.00
Rate of Interest 11.00%
Tenure of Loan 84 Months
Moratorium Nil

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 2
 Term Loan to be repaid in 84 Monthly installments of Rs.
Repayment Schedule 13475.36, commencing after 1 month of first
disbursement.

Interest Service Interest to be paid as and when due.

DETAILS OF GUARANTEES (PERSONAL) – If available
[Link] Name of Guarantor Pan Number Address of Guarantor
VILL BARHAT POST BARHAT VILL
1 SWATI SINGH IJUPS3725K BARHAT POST BARHAT GHAZIPUR
UTTAR PRADESH 233311

DETAILS OF CHARGES TO BE COLLECTED

Amount of charges to be
Sl No Nature of limits Type of Charges Frequency of collection
collected as per rules
1 Documentation & 1000 + GST + Actual Stamp Duty
Digital Convenience
2 Processing NIL
Term Loan One time or as applicable
3 Inspection As applicable
4 CGTMSE, CERSAI & Actual or as applicable
Other Charges

• Out of pocket expenses shall be recovered separately

The limits are sanctioned on the following terms and conditions unless any modification/deletion is
approved by the sanctioning authority.
1. CONDITIONS PRECEDENT TO DISBURSEMENT
a. Environmental clearances
i. In case of industrial units, permission and clearances to be obtained from pollution control board.
ii. Necessary clearances to be obtained from industry department and local authorities as applicable.
b. Documentation
i. Applicable Security documents to be executed/obtained by/from the borrower and guarantors.
ii. The Borrower and the Guarantors shall furnish a consent letter to the Bank in the prescribed format
authorizing the Bank for disclosure of their names, in the event of the Borrower becoming defaulter,
to Credit Information Companies / Information Utilities like NeSL / other agencies as per CICRA / RBI /
Statutory guidelines.

c. Warranties, undertakings & guarantees to be made by the Borrower

i. Borrower to submit undertaking as per annexure -VI
ii. Statutory dues, if any, to be paid by borrower before disbursement of the loan.
iii. Declaration to be obtained from the borrower that the level of unsecured loans will be maintained at the
existing level in the business on a long term basis during the currency of the Bank’s loan.
iv. Personal Guarantees of partners/ promoters/directors/guarantors/owners of mortgaged property to be
obtained as per stipulation.
For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 3
d. Creation of security interests and charge
i. Our Charge with CERSAI to be registered on immovable/movable properties as per extant CERSAI guidelines.
e. Insurance
i. The borrowers are solely responsible for obtaining adequate insurance for primary securities/collaterals, if
any, as per the Bank’s guidelines.
ii. The borrower’s assets offered as security (prime and collateral) for the facility to be kept fully insured
comprehensively for 110% of assets value. A copy of the policy to be submitted to the bank. A list of the
current insurance policies along with copies thereof to be submitted to the bank detailing therein the
names and addresses of the insurer, brief particulars of goods covered, type of cover, amount of cover and
date of expiry of each policy. Insurance policies to contain the agreed bank’s clause.
2. DRAWDOWN/DISBURSEMENT OF TERM LOAN
i. Borrower to submit satisfactory evidence viz. quotation/proforma invoice for assets to be
purchased/created with Bank finance.
ii. Borrower to demonstrate the availability and sufficiency of raw material to the satisfaction of the bank
required for smooth running of the plant
iii. The disbursement to be made along with stipulated margin by way of demand draft/pay order/RTGS/NEFT
directly to the suppliers of goods and services.
iv. The loan to be released in stages depending upon the progress of the work.
v. Sanction will be valid for 6 months only. If the term loan is not availed within 6 months, the sanction will
expire or become invalid.

3. CONDITIONS SUCCEEDING DISBURSEMENT

a. Compliance Certificate
i. The borrower to display a board in prominent place in the project/office premises indicating that the
assets/stocks are hypothecated to bank.
ii. Borrower to authenticate the details of borrowing to Registered Information Utilities (IU), like National e-
Governance Services Ltd (NeSL). Necessary charges in this regard are to be borne by the borrower. Status
“Deemed to be Authenticated” (by NeSL): As per Gazette Notification no. No. IBBI/2019-20/GN/REG046 on
25th July 2019, corporate debtor remains recalcitrant and does not take any action to authenticate
information presented (i.e. does not respond even after 3 reminders (emails) to it by NeSL-IU) IU (NeSL) will
record the status of authentication as “Deemed to be Authenticated” as Yellow colour in the record.

b. Interest Servicing
i. Interest will be charged on monthly rests and is to be serviced as and when charged in the account.
ii. Interest as stipulated will be / will continue to be charged with monthly rests. The bank reserves the right
to give notice at any time and thereafter to charge such other rate of interest as the Bank may decide
depending upon revised credit rating of the borrower based on its audited annual balance sheet.
iii. The Rate of Interest shall be linked to MCLR/EBLR as per the Bank’s prevailing guidelines.
iv. Borrower to route all cash flows through accounts with our bank. Sales invoices of the borrower to
mention our bank account details for direct deposit by the customers of the borrowers.
v. Interest, Commission and other charges are subject to variation as may be notified by our Bank from time to
time / in line with RBI directions / other statutory guidelines.

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 4
4. REPAYMENT OF TERM LOAN
i. Term loan to be repaid by the borrower in 84 monthly installments along with
interest. First installment to fall due after 1 month of first disbursement.

5. DEFAULT AND RECOVERY

a. Prepayments of Term Loan
i. The Borrower shall have the option to prepay the Facility in part or full during the currency.
b. Events of Default (EOD)

Each of the following events shall, inter alia, constitute an Event of Default
i. Failure by the Borrower to pay any amount due and payable to banks e.g installment of term loan, servicing
of interest on term loan/working capital limit.
ii. Delay in achieving commercial operations beyond the estimated COD.
iii. The borrower ceasing or threatening to cease to carry on its business.
iv. Opening/Maintaining account with other banks without NOC from bank and/or routing cash flows through
those accounts.
v. Non-compliance of any term or condition stipulated by bank.
c. Consequences of EOD
Upon the occurrence and continuance of an EOD, all amounts outstanding under the facility shall be
immediately due and payable and the Bank may:
i. Impose penalty @ 1% p.a on each default subject to maximum penalty of 2% over and above the stipulated
interest rate on entire loan amount for the period of default.
ii. Exercise powers to recall the advance and take recovery action including action under the SARFAESI Act
2002 / IBC / Other recovery and legal measures.
iii. Suspend or terminate all undrawn commitments and enforce the Security.
iv. Demand cure of the default.
The Bank also reserves the absolute right to recall the advance in case of:
i. Limits not being utilized by borrower, misutilised or,
ii. Deterioration in the loan accounts in any manner whatsoever, and/or
iii. Non-compliance of terms and conditions of sanction
iv. Continuous excess in the cash credit/other working capital limits
v. Unsatisfactory operations in the account
The Bank shall also have right to:
i. Examine the borrower & guarantors from angle of Wilful Default & Fraud and report to RBI, Police/CBI.
ii. Borrowers to make all efforts for deposit of all cash inflows into designated account with bank/Consortium.

d. Solvency

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 5
i. The Borrower has not taken any action nor have any other steps been initiated or legal proceedings been
started or threats issued against Borrower for his bankruptcy (or proceedings analogous to it) or for the
appointment of a resolution professional, receiver, administrator, administrative receiver, bankruptcy
trustee or similar officer of it or any of its assets or revenues in any jurisdiction(s) to which the Borrower or
any of the Borrower’s assets are or may be subject to including under the Insolvency and Bankruptcy Code,
2016.
ii. The Borrower is able to pay his debts and is not insolvent or bankrupt.

6. Acceptance of Terms and Conditions by Borrower

Borrower to return the second copy of the Terms and Conditions duly signed by authorized signatory/ies or
guarantors. In case of Partnership firm all the partners in token of having accepted the stipulations of sanction
along with the guarantors if any.

Yours faithfully,

For Union Bank of India

This is a digitally generated document. No signature is required.
Accepted the above on the terms and conditions mentioned in Annexure I

Time Stamp of E-Sign by Borrower:

Signature of Borrower

Place: GHAZIPUR
Date: 16-11-2025

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 6
 LOAN APPLICATION FORM PRADHAN MANTRI MUDRA YOJANA – KISHOR/TARUN

A. For office Use:

Enterprise Name Application Sl. No. Name of the Branch Category

Swati singh UBIM0000292695 KATCHARA Tarun

B. Business Information:

Name of the Enterprise Swati singh

URN UDYAM-UP-30-0062965
GSTIN Not Available
Constitution Proprietorship
Current Business Address (CBS) 11, Arvind singh, Barhat, Barhat, Barhat, Ghazipur, GHAZIPUR, UTTAR PRADESH, 233311
State: UTTAR PRADESH PIN Code: 233311
Telephone No. Mobile No. 91 9451609037
E-mail: swatisingh9037@[Link]
Business Activity null(null)
Date of Commencement (DD/MM/YYYY) 20/01/2021
Whether the Unit is Registered √ Yes
Reg. No: (URN) UDYAM-UP-30-0062965
11, Arvind singh, Barhat, Barhat, Barhat, Ghazipur, GHAZIPUR, UTTAR
Registered office Address
PRADESH, 233311
Social Category General

C. Background Information of Proprietor/ Partners:

Residential Address Experience in the

[Link] Name Date of Birth Sex
with Mobile No. line of activity (Years)
VILL BARHAT POST BARHAT VILL BARHAT
1 SWATI SINGH 16-06-2003 F POST BARHAT GHAZIPUR UTTAR PRADESH 4
233311, 9451609037

Relationship with the

Name of Bank Official Bank Official
[Link] PAN No. Aadhaar No. officials/ Director of
Promoters/Partners. Name Designation
the bank if any
1 SWATI SINGH IJUPS3725K 351403491405 No Not Applicable Not Applicable

D. Net Worth Details:-

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 1
 Total Networth as on 04-11-
Name Total Assets Total Liabilities
2025

Swati singh 2568900.00 250.00 2568650.00

E. Names of Associate Concerns and Nature of Association:

Names of Address of Extent of Interest as a Prop.

Presently Nature of Association
Associate Associate /Partner/ or Just Investor in
Banking with Concern
Concern Concern Associate Concern
Nil Nil

F. Banking/Credit Facilities Existing: (In Rs.)

Type of Presently Banking Limit Outstanding Security Asset classification

Facilities with Availed As on lodged status

Savings Account Union Bank of India. N. A. N. A. N. A. N. A.

Current Account Not Available N. A. N. A. N. A. N. A.
Term Loan Not Available N. A. N. A.
LC/BG Not Available N. A. N. A.
If banking with this bank, customer ID To be given here: 625611965
It is certified that our unit has not availed any loan from any other Bank / Financial Institution in the past and I/we am/are not indebted
to any other Bank / Financial Institution other than those mentioned in column no. E above.

G. Credit Facilities Proposed:(In Rs.)

Type of Purpose for which Details of Primary Security Offered

Amount
Facilities Required (with approx. value To be mentioned)
Working Capital 0.00 0.0
Term Loan 787,000.00 72909-OTHER [Link] 1000000.0
Total 787,000.00 1000000.0

H. In case of Term loan requirements, the details of machinery/equipment may be given as under:

Purpose Contribution being

Type of machine Total Cost of Loan Required
for which Name of Supplier made by the promoters
/ Equipment Machine (Rs.)
required (Rs.)
72909-OTHER
PRIYANKA SINGH 1,050,000.00 262500.00 787000
[Link]
Total 1,050,000.00 262500.00 787000

I. Declaration:

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 2
I/ We hereby certify that all information furnished by me/ us is true, correct and complete that I/ We have no borrowing arrangements
for the unit except as indicated in the application; that there is no overdue/ statutory dues against me/us/promoters except as
indicated in the application; that no legal action has been/ is being taken/ initiated against me/us/promoters by any Bank/FIs. I/We
shall furnish all other information that may be required in connection with my/ our application that this may also be exchanged by you
with any agency you may deemed fit and you, your representatives or Reserve Bank of India or any other agency as authorized by you,
may, at any time, inspect/verify my/our assets, books of accounts etc in our factory/ business premises as given above. You may take
appropriate safeguards/action for recovery of Bank dues including publication of defaulter name in website/submission to RBI; further
agree that my/our loan shall be governed by the rules of your Bank which may be in force from time to time.

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 3
 Key Facts Statement
Mudra Loan STP

Applicant Name: Swati singh Date: 16-11-2025

1. Loan proposal/ account No. UBIM0000292695 Type of Loan Term Loan

2. Sanctioned Loan amount (in Rupees) 787000.00 (Rupees Seven Lakhs Eighty Seven Thousand
Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3. 100% UpFront
(ii) If it is stage wise, mention the clause of loan
agreement having relevant details
4. Loan term (year/months/days) 84 Months
5. Instalment details

Type of instalments Number of EMIs EMI (Rs.) Commencement of repayment, post

sanction
Monthly 84 13475.36 30 days
6. Interest rate (%) and Type 11% Floating
7. Additional Information in case of Floating rate of interest

Reset Impact of change in the reference

Reference Benchmark Final rate (%) periodicity benchmark
Benchmark rate (%) (B) Spread (%) (S) R = (B) + (S) (Months) (for 25 bps change in ‘R’, change in:)

B S EMI (Rs.) No. of EMIs

EBLR 8.25% 2.75% 11% - - 13579.00 84
8 Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)

Amount (in Rs.) Amount (in Rs.) or

Sl Particulars One-time or Percentage One- time/Recurring Percentage (%) as
(%) as applicable applicable

(i) Processing fees Nil - NA NA

(ii) Insurance charges Recurring As Applicable NA NA
(iii) Valuation fees Nil - NA NA
(iv) Digital convenience Fee One Time 1180.00 NA NA
(v) Documentation Charges One time 500.00 NA NA
(vi) CGTMSE Fees Recurring As Applicable NA NA
9 Annual Percentage Rate (APR) (%) 11.07%

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 4
 10 Details of Contingent Charges (in Rs. or %, as applicable)
(i) Penal charges, if any, in case of delayed payment 2% Above ROI
(ii) Other penal charges, if any (Limit Overdrawn/delayed submission of stock statement etc.) Nil
(iii) Foreclosure charges, if applicable Nil
(iv) Charges for switching of loans from floating to fixed rate and vice versa Not Applicable
(v) Any other charges (please specify) Nil

Other qualitative information

Document Type: SD- 19 [TERM LOAN

AGREEMENT (HYPOTHECATION OF
1 Clause of Loan agreement relating to engagement of recovery agents
MOVABLES)] Clause 26 of the above
agreement
Document Type: SD- 19 [TERM LOAN
AGREEMENT (HYPOTHECATION OF
2 Clause of Loan agreement which details grievance redressal mechanism
MOVABLES)]
Clause 27 of the above agreement
Mr. D. Sasidhar (Grievance Redressal
Officer-FinTech/Digital Lending)
Union Bank of India, Central Office
3 Phone number and email id of the nodal grievance redressal officer
Mumbai
Email- id dgro@[Link]
Land Line Number 022-45064197
Whether the loan is, or in future maybe, subject to transfer to other REs or
4 No
securitisation (Yes/ No)
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),following additional
5
details may be furnished:
Name of the originating RE, along Name of the partner RE along with its
Blended rate of interest
with its funding proportion proportion of funding
Nil Nil Nil
6 In case of digital loans, following specific disclosures may be furnished:
3 Days cooling off/Lookup period
(i) Cooling off/look-up period, in terms of RE’s board approved policy, during available to borrowers for pre-payment.
which borrower shall not be charged any penalty on prepayment of loan No additional charges only interim period
interest will be charged.
(ii) Details of LSP acting as recovery agent and authorized to approach the
Not Applicable
borrower
Validity of key fact statement: The KFS shall have a validity period of three working days for loans whose tenor is seven
days or more and validity period of one working day for loans having tenor of less than seven days

Computation of APR for MSME loans

Sr. No. Parameter Details

Sanctioned Loan amount (in Rupees) ( Sl no. 2 of the KFS template –
1 787000.00
Part 1)
Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part
2 84 Months
1)
No. of instalments for payment of principal, in case of non-equated
a) Not Applicable
periodic loans
Type of EPI
Monthly
Amount of each EPI (in Rupees) and
b) Rs. 13475.36
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 84 Months
(Sl No. 5 of the KFS template – Part 1)
c) No. of instalments for payment of capitalised interest, if any -

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 5
 Commencement of repayments, post sanction (Sl No. 5 of the KFS
d) 30 Days
template – Part 1)
3 Interest rate type Floating
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 11%
Total Interest Amount to be charged during the entire tenor of the loan as
5 344933.00
per the rate prevailing on sanction date (in Rupees)
6 Fee/ Charges payable (in Rupees) NA
A Payable to the RE (Sl No.8A of the KFS template-Part 1) 1680.00
Payable to third-party routed through RE (Sl No.8B of the KFS template –
B NA
Part 1)
7 Net disbursed amount (1-6) (in Rupees) 787000.00
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 1133613.00
Annual Percentage rate- Effective annualized interest rate (in percentage)
9 11.07%
(Sl No.9 of the KFS template-Part 1)
10 Schedule of disbursement as per terms and conditions 100% UpFront
11 Due date of payment of instalment and interest 16-12-2025

Repayment Schedule under Equated Monthly Instalment

Month Interest Principal Principal Outstanding Amount

1 7214 6261 780738 13476
2 7157 6318 774420 13476
3 7099 6376 768043 13476
4 7040 6435 761608 13476
5 6981 6494 755114 13476
6 6922 6553 748560 13476
7 6862 6613 741947 13476
8 6801 6674 735273 13476
9 6740 6735 728537 13476
10 6678 6797 721740 13476
11 6616 6859 714881 13476
12 6553 6922 707958 13476
13 6490 6985 700973 13476
14 6426 7049 693923 13476
15 6361 7114 686809 13476
16 6296 7179 679630 13476
17 6230 7245 672384 13476
18 6164 7311 665073 13476
19 6097 7378 657695 13476
20 6029 7446 650248 13476
21 5961 7514 642734 13476
22 5892 7583 635151 13476
23 5822 7653 627497 13476
24 5752 7723 619774 13476
25 5681 7794 611980 13476
26 5610 7865 604114 13476

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 6
 Month Interest Principal Principal Outstanding Amount
27 5538 7937 596177 13476
28 5465 8010 588166 13476
29 5392 8083 580083 13476
30 5317 8158 571925 13476
31 5243 8232 563692 13476
32 5167 8308 555384 13476
33 5091 8384 547000 13476
34 5014 8461 538538 13476
35 4937 8538 530000 13476
36 4858 8617 521383 13476
37 4779 8696 512686 13476
38 4700 8775 503911 13476
39 4619 8856 495054 13476
40 4538 8937 486117 13476
41 4456 9019 477098 13476
42 4373 9102 467995 13476
43 4290 9185 458810 13476
44 4206 9269 449541 13476
45 4121 9354 440186 13476
46 4035 9440 430746 13476
47 3949 9526 421220 13476
48 3861 9614 411605 13476
49 3773 9702 401903 13476
50 3684 9791 392112 13476
51 3594 9881 382230 13476
52 3504 9971 372259 13476
53 3412 10063 362195 13476
54 3320 10155 352040 13476
55 3227 10248 341792 13476
56 3133 10342 331449 13476
57 3038 10437 321012 13476
58 2943 10532 310480 13476
59 2846 10629 299850 13476
60 2749 10726 289124 13476
61 2650 10825 278299 13476
62 2551 10924 267374 13476
63 2451 11024 256350 13476
64 2350 11125 245224 13476
65 2248 11227 233997 13476
66 2145 11330 222667 13476
67 2041 11434 211232 13476
68 1936 11539 199693 13476
69 1831 11644 188049 13476
For Swati singh
Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 7
 Month Interest Principal Principal Outstanding Amount
70 1724 11751 176297 13476
71 1616 11859 164438 13476
72 1507 11968 152470 13476
73 1398 12077 140392 13476
74 1287 12188 128204 13476
75 1175 12300 115904 13476
76 1062 12413 103490 13476
77 949 12526 90964 13476
78 834 12641 78322 13476
79 718 12757 65565 13476
80 601 12874 52691 13476
81 483 12992 39698 13476
82 364 13111 26587 13476
83 244 13231 13356 13476
84 122 13356 0 13476

For Swati singh

Signature Not Verified
Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 8
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP45395138882172X

Certificate Issue Date 16-Nov-2025 10:13 AM

Account Reference No NESL (CR)/ UPSHCIL10/ LUCKNOW/ UP-LKN

Unique Doc. Reference UP0001INESL2025320326435

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 787000.00

First Party UNION BANK OF INDIA

Second Party SWATI SINGH

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 100.00

Description of Doc. Article 5c Agreement or Memorandum of an Agreement

QR
 Certificate Number: IN-UP45395138882172X

LETTER OF CONTINUITY AD-09(M)

Union Bank of India,

KATCHARA Branch

I/We beg to enclose a Demand Promissory Note of even dated for Rs. 787000.0 (Rupees Seven Lakhs Eighty Seven
Thousand Only ) signed by me/us which is given to you as security for the repayment of amounts outstanding with respect
to credit limits in my/our name or in the name of either of us and also for the repayment of any loans and advances to the
extent of Rs 787000.0 (Rupees Seven Lakhs Eighty Seven Thousand Only ) which I/We or either of us may avail of
hereafter and the said Promissory Note is to be security to you for the repayment of the ultimate balance or sum
remaining unpaid with respect to any loan or advance drawn under the credit limits sanctioned and I am/We are to remain
liable on the said Promissory Note.

"This Document is executed on the date specified along with signature/electronic signature."

Yours faithfully,

Full Names Signature

SWATI SINGH

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh

For Swati singh

 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP45395140010972X

Certificate Issue Date 16-Nov-2025 10:13 AM

Account Reference No NESL (CR)/ UPSHCIL10/ LUCKNOW/ UP-LKN

Unique Doc. Reference UP0001INESL2025320326436

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 787000.00

First Party UNION BANK OF INDIA

Second Party SWATI SINGH

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 100.00

Description of Doc. Article 5c Agreement or Memorandum of an Agreement

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 Certificate Number: IN-UP45395140010972X

AD-02A
To be stamped as simple agreement

UNION BANK OF INDIA

KATCHARA Branch

Place GHAZIPUR

Date X-X-X-X-X-X

Dear Sirs,

In consideration of your from time to time making advances to me/us and/or giving me/us banking accommodation and
facilities, I/We agree with you as follows :-

1. That you may hold all securities belonging to me/us (Which may now be in your possession or which may at any time
hereafter come into your possession) and the proceeds thereof respectively not only for the specific advance made
thereon but also as collateral security for any other moneys now due or which at any time be due from me/us to you,
whether singly or jointly with another or others.

2. That in addition to any general lien or similar right to which you as bankers may be entitled by law, you may at any time
and without notice to me/us combine or consolidate all or any of my/our accounts with and liabilities to you and set off or
transfer any sum or sums standing to the credit of any one or more of such accounts in or towards satisfaction of any of
my/our liabilities to you on any other account or any other respect whether such liabilities be actual or contingent, primary
or collateral and several or joint.

Yours faithfully,

"This Document is executed on the date specified along with signature/electronic signature."

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP45395302869079X

Certificate Issue Date 16-Nov-2025 10:13 AM

Account Reference No NESL (CR)/ UPSHCIL10/ LUCKNOW/ UP-LKN

Unique Doc. Reference UP0002INESL2025320326438

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 787000.00

First Party UNION BANK OF INDIA

Second Party SWATI SINGH

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 150.00

Description of Doc. Article 40 Deed of Hypothecation

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 Certificate Number: IN-UP45395302869079X

TERM LOAN AGREEMENT (HYPOTHECATION OF MOVABLES) (SD 19)

THIS AGREEMENT made at GHAZIPUR this X-X-X-X-X-X day Of X-X-X-X-X-X 20 X-X-X-X-X-X BY Swati singh .

(Hereinafter called ‘the Borrower’ more fully described in Schedule I hereunder, which expression shall include its heirs,
administrators, executors, Trustees, members, Survivor(s) and Successors-in-interest as the case may be, unless repugnant
to the context thereto) IN FAVOUR OF Union Bank of India, a Body Corporate constituted under Banking Companies
(Acquisition & Transfer of Undertakings) Act, 1970 having its having its Head Office at 239, Vidhan Bhavan Marg, Nariman
Point, Mumbai - 400021 and having a branch at/named KATCHARA .(Hereinafter called ‘the Bank’ which term unless the
context otherwise requires includes its successors and assigns from time to time)
The expression “the Borrower” shall when the Borrower is:
(a) an individual, include his/her heirs, executors, administrators and assigns;
(b) a firm, include its partners, their respective heirs, executors, administrators, assigns and/or the surviving partners;
(c) a Company, include its successors and assigns;
(d) a joint and Undivided Hindu family or a joint family firm, include its co-parceners
(e) an association, corporate or unincorporated include its successors and assigns and all members and their
respective heirs, executors, administrators and assigns;
(f) a trust, whether public or private, include the trustees representing the firm.
WHEREAS the Borrower has applied to the Bank for a Term Loan/Deferred Payment Guarantee Letter (Hereinafter
referred to as DPGL) for the purpose of procuring the machinery / plant / vehicle/ craft /capital goods / assets or for any
other purpose connected with the conduct of the business of the Borrower on the security of all the movable assets of the
Borrower, and the Bank having agreed to the same and the Bank having sanctioned a Term Loan/DPGL of Rs. 787000.0
(Rs. Seven Lakhs Eighty Seven Thousand Only )
(Hereinafter called ‘the loan’ or ‘the loan account’ depending on the context) subject to the terms and conditions
conveyed to the Borrower by the Bank vide Sanction Letter No UBIM0000292695 dated 16-11-2025 and those terms &
conditions shall be treated as part and parcel of this Agreement and, the Borrower hereby agrees and confirms the various
terms and conditions stipulated by the Bank as contained hereinafter
NOW IT IS HEREBY AGREED DECLARED RECORDED AND CONFIRMED BY THE BORROWER AS FOLLOWS:
1. This Agreement shall operate as a security to the Bank in addition to any other security already held by the Bank for
repayment to the Bank of the loan and/or the balance outstanding due to the Bank by the Borrower at anytime.
2. The Borrower hereby hypothecates and charges to the Bank:
A) All those machinery / plant / vehicle / capital goods / assets purchased or to be purchased by the Borrower out of
this loan as specified in Schedule II A (1) herein below whether installed or not, or whether lying loose or in cases
or in transit to Borrower’ s premises ( strike out the portion if not applicable) AND
B) All those existing and future machinery/plant/vehicle/capital goods/assets/craft and all those assets/ movable
properties capable of passing by delivery as specified in Schedule II A (2)whether installed or not and whether now
lying loose or in cases and now being or at any time hereafter during the continuance of this Agreement brought
into or upon or at any time in course of transit to the premises/factory of the Borrower at11, Arvind singh, Barhat,
Barhat, Barhat, Ghazipur, GHAZIPUR, UTTAR PRADESH, 233311
Whatsoever and wherever in the possession or occupation of the Borrower
as security for the payment to the Bank of the loan or the Balance due to the Bank by the Borrower on the Loan
Account, hereunder referred to as “the Hypothecated Assets”.

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 1
 Certificate Number: IN-UP45395302869079X

3. The Borrower hereby:

a) warrants the correctness of each and every representation, statements and particulars contained in the
application or otherwise submitted by the Borrower to the Bank for the sanction of the loan.
b) undertakes to comply with each and every assurances contained in the application submitted to the Bank in the
manner and within the time therein mentioned.
c) agrees that the loan advanced / agreed to be advanced by the Bank shall be governed by the terms stipulated in
the sanction letter
d) agrees to furnish all such information as the Bank may require for its satisfaction as to due compliance with the
terms of the proposal and of the sanction letter and the utilization of the said advance at such times in such terms
and informing such particulars as the Bank may call for.
e) expressly agree with the Bank that the Bank shall be entitled to refuse to grant the said loan or part thereof, which
remains to be advanced in the event:
(i) representations / statements contained in the application are found to be incorrect, the opinion of the Bank
in this regard being final.
(ii) the Borrower fails to utilize the loan or any part thereof for the purpose and in the manner as mentioned in
the application.
(iii) fails to provide the security/ies as per the sanction stipulations to the satisfaction of the Bank.
4. (a) The Borrower shall duly and punctually repay the loan in installments commencing from 30 days after sanction date
as per the tenure described in the Schedule B(I) hereto and the installment amount may be for the principal amount and
interest separately or principal and interest together as the Bank may decide in each case and further the Bank may at its
discretion, alter/amend the amount of installment, number of installments or due dates as the case may be and the
above-said decisions of the Bank would be acceptable to the Borrower
4. (b) (In the case of DPGL) The Borrower undertakes to repay the DPGL of Rs. _________________ in installments and
shall duly and punctually make available to the Bank the installment amount on the respective due dates on which the
installments are payable to the beneficiary of DPGL or his banker and as detailed in the Schedule B (II) hereto or as may be
communicated by the Bank from time to time On the respective due dates, if the Borrower fails to make the installment
amounts available to the Bank, the Bank may effect payment of the installment to the beneficiary by creating loan in the
name of the Borrower or by debiting the Current account of the Borrower together with interest, commission, charges,
etc. and the said loans/overdraft thus created would attract the same rate of interest applicable for the liability covered
under DPGL.
(strike out whichever is not applicable)
5. (a) The Borrower shall repay to the bank the loan along with the interest on the amount of outstanding from time to
time at the rate of,

i) ___________________ percentage per annum with _________________ rests.

or
ii) _______________ % per annum being the applicable Bank's lending rate /1 yr/2 Yr/3 Yr/6 M/3 M/1 M/Overnight - MCLR
rate which is ____________________ % per annum at present plus spread of ____________________ % per annum being
monthly/quarterly/Half Yearly /Annual rests
or
iii) 11.0 % per annum being EBLR rate (comprising of RBI Repo Rate and Spread) which is 8.25 % per annum at present plus
Premium of 2.75 % at present compounded monthly/quarterly/half yearly/annually (Spread means the rate chargeable to
the Borrower by the Bank to cover its costs and shall comprise of operating cost and capital charge. Premium means the
rate chargeable to the Borrower by the Bank based on the yearly credit assessment/rating of the Borrower and shall

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 2
 Certificate Number: IN-UP45395302869079X

comprises of credit risk premium and strategic premium)

(strike out whichever is not applicable) or
at such other rate/s as may be prescribed by the Bank from time to time depending upon the changes in the interest Rate
of the Bank or the directives of Reserve Bank of India from time to time or the policy of the Bank, such interest to be
payable, whether actually debited to the account or not, and until so paid shall form part of the loan granted to the
borrower. The borrower shall be deemed to have notice of revision of interest whenever such revision in the rates is
displayed on the Bank's website or notice board of the Bank/Branch or by publication in any newspaper on revision of
interest rates or made known through an entry in the statement of account.
(b) Provided further, without prejudice to the Bank’s other rights and remedies, that the Bank shall be entitled to charge,
in its discretion, penal charges as specified in the sanction letter for each default subject to maximum of 2% p.a. plus
applicable taxes from the date of such default till regularising or clearing the account/s in full as the case may be.
6. The Hypothecated Assets shall at all times during the currency of this security and so long as any money shall remain
due and owing in the said Loan Account be maintained in good and saleable condition and kept insured by and at the
expenses of the Borrower against fire, lightening, riot, strike, malicious damage and such other risk as may be required
by the Bank or as may be required by law to the full extent of the value thereof with an insurance Company approved
by the Bank in the joint name of the Bank and the Borrower and the policy/ies or copy/ies thereof shall be handed
over to the Bank. The Borrower shall duly and punctually pay the premia due on the policy/ies at least one week
before the same shall have become due or payable and hand over the receipt to the Bank and the Borrower agrees not
to raise any disputes as to the amount of the insurable interest of the Bank. If the Borrower makes default in effecting
such insurance as aforesaid or renewing any policy or in payment of such premia or in keeping the hypothecated assets
so insured or in delivering to the Bank receipts for the premia it shall be lawful (but not obligatory) for the Bank to
effect such insurance or to renew or to pay such premia and to keep the hypothecated assets insured and to debit the
expenses incurred by the Bank for the purposes to current account of the Borrower and the same shall be treated as
loan secured by this Agreement. The Borrower agrees to pay the same with interest/charges as provided in clause 5
hereof. All sums received under any such insurance as aforesaid shall after deduction of all expenses be applied in or
towards the liquidation of the balance due to the Bank for the time being and in the event of there being a surplus the
same shall be applied towards any other dues owed to the Bank by the Borrower. The Borrower agrees that if any
moneys under any such insurance are received by the Borrower the same will be forthwith paid to the Bank. The
Borrower further agrees that the Bank would be entitled to adjust, settle, compromise or refer to arbitration any
dispute between the insurance company and the insured arising under or in connection with such policy/ies and the
certificate or any claim made hereunder and to give a valid receipt thereof and the Borrower shall not raise any
question that a larger sum might or ought to have been received.
7. It shall be lawful for the Bank and its Agents without notice to enter into or upon the offices, godowns, factory, or
places of storage of any of the Hypothecated Assets for the purpose of taking inspection of or checking the
Hypothecated Assets and making account and inspecting the books of account of the Borrower and it shall also be
lawful for the Bank to have all or any of the Hypothecated Assets valued by the appraiser or other valuer to be
appointed by the Bank and all such expenses and the fees and expenses of such valuation/inspection shall be debited
to the Borrower in the said Loan Account / Cash Credit/ Current Account of the Borrower and be payable accordingly
and shall until payment be treated as forming part of the loan secured by this Agreement.
8. The Borrower shall cause the Bank’s name board to be placed and at all times maintained in a conspicuous place upon
and with all godowns, or other places of storage into or upon which any of the Hypothecated Assets for the time being
are or shall be brought during the continuance of this Agreement.
9. The Borrower shall from time to time on demand by the Bank in writing furnish to the Bank a full and correct
statement with such particulars as the Bank may require of the Hypothecated Assets together with its value and
produce such evidence in respect thereof as the Bank may from time to time require.

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 3
 Certificate Number: IN-UP45395302869079X

10. The Borrower shall hold in trust for the Bank the Hypothecated Assets and insurance proceeds, if any, on account of
the Bank and as the Bank’s exclusive property, specially appropriated to the security and the Borrower shall not create
any charge, lien or encumbrance affecting them or any part thereof nor do anything which would prejudice the
security and the Borrower shall not part with the Hypothecated Assets to anyone other than the Bank.
11. The Borrower shall punctually pay all the rents, rates, taxes and other outgoings of the godowns and premises wherein
the Hypothecated Assets are kept and shall keep the same unencumbered at all times and free from distress.
12. If the Hypothecated Assets include any motor vehicle/s as defined by the Motor Vehicles Act, 1988 the Borrower
agrees to furnish to the Bank with all particulars of registration entered in the Registration Book of Vehicles maintained
by the Local Road Transport Authority and to have the Bank’s charge recorded in the Registration Book and all such
particulars shall be lodged with the Bank within 15 days from the date of this Agreement or such other extended date
as the Bank may grant and the Borrower agrees to insure the vehicle/s against all risks (including third party risk) as
specified in Clause(6) above.
13. (a) If the Borrower fails to carry out and perform any of the obligations under these Presents or in the event of any
damage occurring to the Hypothecated Assets from any cause whatsoever or if the Borrower is / are declared insolvent
or if an order for dissolution/winding up of the Borrower has been made by any court or if the Borrower decides to
wind up the business or if a decree or order for payment of money is passed or made against Borrower by a Court of
Law and remains unsatisfied for a week after passing or making of the said order or decree or if execution is levied
against any property of the Borrower or if any event shall happen or is believed by the Bank to have happened so as in
the opinion of the Bank may impair the security hereby created or the credit of the Borrower or if the Bank shall be of
opinion that the security hereby created is, otherwise imperilled (as to all or any of such matters the opinion of the
Bank shall be conclusive) it shall be lawful for the Bank, its Agents and Nominees with a view to obtain possession for
and on behalf of the Bank at all times and without assigning any reason and without any previous notice to the
Borrower but at the Borrower’s risk and expenses and if so required as Attorney for and in the name of the Borrower
to enter any place where the Hypothecated Assets or any of them may be and take charge and / or possession of all or
any part of the Hypothecated Assets and the Borrower shall afford every facility for placing and shall place the
Hypothecated Assets and every part thereof as the Bank may require in the exclusive possession of and the exclusive
control of the Bank in such manner that such possession and control shall be apparent and indisputable. The Bank may
also if deed fit appoint security guards to protect the Hypothecated Assets till such time the Hypothecated Assets can
be sold off and the expenses incurred thereon shall be reimbursed by the Borrower.
(b) The Bank shall not be liable or responsible for any loss, damage or depreciation which the Hypothecated Assets
may suffer or sustain on any account whatsoever while the same are in possession of the Bank during the
continuance of this Agreement or thereafter and all such damage or depreciation shall be wholly on account of the
BorrowerhowsoeverthesamehavebeencausednorshalltheBankberesponsibleforany shortage resulting from theft
or pilferage or otherwise howsoever notwithstanding that the Hypothecated Assets may be in the possession of or
under the control of the Bank.
14. (a) It shall be lawful for the Bank at any time after taking possession of the Hypothecated Assets (without prejudice to
the Bank’s right of suit or any other right against the Borrower) to recover, receive, appoint receivers of or remove and
/ or sell either by public auction or private contract after giving 2 days’ notice subject to such conditions as the Bank
shall think fit or otherwise dispose of or deal with at any time or times the Hypothecated Assets or any part or parts
thereof and/or to enforce, realise, settle, compromise and to deal with any rights or claims regarding any of the
Hypothecated Assets without being bound to exercise or non-exercise thereof and notwithstanding that there may be
any pending suit or other proceedings the Borrower undertakes to transfer and deliver to the Bank all relative
contracts, securities, bills notes, hundies and documents and any acts of the Bank in this regard shall be binding on the
Borrower.
(b) The Bank shall apply the sale proceeds towards the loan Account to the extent of the balance due to the Bank or
so much thereof as shall remain unpaid including interest at the rate aforesaid until payment and including all

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 4
 Certificate Number: IN-UP45395302869079X

costs as between Attorney and Client, charges and expenses incurred by the Bank on any account whatsoever. If
the net sum realised by such sale be insufficient to cover the balance due to the Bank, the Borrower shall be liable
forthwith on production to the Borrower a statement prepared by the Bank to pay the balance appearing due to
the Bank.
(c) In the event of there being surplus available of the net proceeds of such sale after payment in full of the balance
due to the Bank it shall be lawful for the Bank to retain and apply the said surplus together with any other money
or moneys belonging to the Borrower for the time being in the hands of the Bank in or under whatever accounts
as far as the same shall extend against in or towards payment or liquidation of any and all other moneys that shall
or may become due from the Borrower whether solely or jointly with any other person or persons, firm or
company to the Bank by way of loans, discounted bill, letters of credit, guarantees, charges or of any other debits
to liability including bills, notes, credits and other obligations, current though not then due or payable or other
demands legal or equitable which the Bank have against the Borrower and whether the Borrower shall become or
be adjudicated bankrupt or insolvent or be in liquidation or otherwise with interest thereon from the date on
which any and all advances in respect thereon shall have been made at the rate of or respective rates at which the
same shall have been advanced.
(d) The Borrower agrees to accept without question in and out of Court a statement of account made out from the
papers and / or Books of the Bank and signed by the Manager or other duly authorised officer of the Bank as
conclusive proof of the amount realised by any such sale as aforesaid and of any sum claimed to be due from the
Borrower to the Bank under this Agreement and of the costs and expenses incurred in connection therewith
without the production of any other voucher, document or paper.
15. The Agreement is not to prejudice the rights or remedies of the Bank against the Borrower in respect of any other
advances made or to be made by the Bank to the Borrower.
16. No changes whatsoever that may take place in constitution of the Borrower or Bank (whether by amalgamation or
otherwise) shall impair or discharge the liability of the Borrower hereunder.
17. The Borrower further agrees that the Bank shall have a right of general lien and set off on the other accounts of the
Borrower with the Bank either held singly or jointly with others and/or securities in the custody of the Bank offered by
the Borrower for other advance/s from the Bank or kept in safe custody and that the Bank may if deemed fit in case of
the loan becoming overdue and irregular, liable to be set off against the amount available in other accounts and/or
dispose of such securities and realise the proceeds in satisfaction of the dues
18. The Borrower also agrees that notwithstanding anything hereinbefore contained the Bank shall not be bound to allow
or continue the Loan Account to any extent or for any time than the Bank shall in its absolute discretion deems fit.
Delay in exercise or omission to exercise any right, power or remedy accruing to the Bank or its
representatives/agents, upon default under this Agreement shall not impair any of the Bank’s rights/remedies/powers
nor shall be construed as waiver thereof or acquiescence in such default.
19. Notwithstanding what is contained hereinabove with reference to repayment by installment/(s) and date/(s) of
payment of installment/(s), upon the happening of any of the following events, the whole of the balance outstanding
at the time of happening of the event shall at the option of the Bank become forthwith due and payable by the
Borrower to the Bank:-
(i) Any of the installment amount referred to hereinabove being unpaid on the due date for payment thereof
mentioned hereinabove.
(ii) Any representation and / or the statements made by the Borrower in the Application being found to be incorrect
and / or the Borrower committing any breach of default in the performance or observance of any terms,
conditions or provisions contained in the said Application and / or the letter of sanction and / or contained
herein.
(iii) The Borrower entering into any arrangement or composition with Borrower’s creditors or committing any act the

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 5
 Certificate Number: IN-UP45395302869079X

consequence of which may lead to the Borrower (in case of an individual) being declared insolvent (and in case
of public or a private limited company) of being ordered to be wound up.
(iv) Any process being issued against the Borrower for execution of a Decree and / or for attachment before
judgement resulting in any of the property belonging to and / or under the control of the Borrower being
attached.
(v) Any Order being made or a Resolution being passed for the winding up of the Borrower (in the case of a
Company)
(vi) A Receiver being appointed of the entire properties or any part thereof belonging to or under the control of the
Borrower.
(vii) The Borrower ceasing or threatening to cease to carry on business or giving or threatening to give notice of
Borrower’s intention to do so.
(viii) A firm of Accountants appointed by the Bank certifying that the liabilities of the Borrower exceed the assets
owned and / or under the control of the Borrower and / or that the Borrower is carrying on business in loss.
(ix) The occurrence of any event or circumstance which would or is likely to prejudicially or adversely affect in any
manner the capacity of the Borrower either to repay the said advance or to carry out the said proposal.
On the question whether any of the matters, events or circumstance mentioned in sub clause (i) to (ix) herein above has
happened the opinion and / or the decision of the Bank shall be conclusive, final and binding on the Borrower.
20. The Borrower agrees to accept as conclusive proof of the correctness of any sum due from them to the Bank under
this Agreement or statement of account made out from the Books of the Bank signed by the authorised official of the
Bank without production of any other voucher, documents or paper as also to pay all the interest accrued/to accrue
in the loan account but not actually debited to the loan account.
21. The Borrower hereby further agrees that in case the Borrower commits default in the repayment of the loan or in the
repayment of interest/charges thereon on due date/s, the Bank and/or Reserve Bank of India will have an unqualified
right to disclose or publish the name of the Borrower or its Directors/partners/proprietor as defaulter in such manner
and through such medium as the Bank or Reserve Bank of India in their absolute discretion may think fit.
22. The Borrower further agrees that in the event the loan is eligible for the cover of the Credit Guarantee Fund Scheme
formulated by Small Industries Development Bank of India or any other such Scheme formulated by Government of
India, the Borrower agrees to pay the guarantee fee and annual service fee thereon and in the absence of such
payment Bank may debit the current or cash credit account of the Borrower for the said amount/s and it is further
agreed that the said debits shall form part of the loan and that such payment/debit shall not reduce the liability of the
Borrower under these Presents nor the Borrower stake any claim over the amount settled by the Corporation on
invocation of the Guarantee.
23. Any notice in writing required to be served hereunder shall be deemed to be sufficiently served if addressed to the
Borrower at the Borrower’s address registered with the Bank or in the event of such address not being registered, at
the last known place of residence or business and left at such address or place or forwarded to the Borrower by post
at the address or place aforesaid. Notice sent by post shall be deemed to be given at the time when in due course of
post it would be delivered at the address to which it is sent, and in proving that such notice was posted, a certificate
signed by the Bank’s authorised officer that envelope was so posted shall be conclusive.
24. The Borrower hereby agrees that the Bank may hold all securities belonging to him/them (Which may now be in Bank’
s possession or which may at any time hereafter come into Bank’s possession) and the proceeds thereof respectively
not only for the specific advance made thereon but also as collateral security for any other moneys now due or which
at any time be due from him/them to the Bank, whether singly or jointly with another or others.
25. The Borrower hereby agrees that in addition to any general lien or similar right to which the Bank may be entitled by
law, Bank may at any time and without notice to him/them combine or consolidate all or any of his/their accounts

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 6
 Certificate Number: IN-UP45395302869079X

with and liabilities to the Bank and set off or transfer any sum or sums standing to the credit of any one or more of
such accounts in or towards satisfaction of any of his/their liabilities to the Bank on any other account or any other
respect whether such liabilities be actual or contingent, primary or collateral and several or joint.
26. The Borrower hereby agrees that in case of non-compliance of sanction terms & conditions, including default in the
repayment of the interest/instalment of the loan/advances, the Bank at its sole discretion may engage the services of
any external agency including the Recovery Agent and/or external Auditors and charges incurred if any shall be
recovered from the Borrower.
27. In case of any grievance, Borrower may register his/ her grievance through an online grievance portal available on the
Bank’s website or with the respective Regional Grievance Redressal Officer at the address displayed in the Notice
Board of the Branches. Borrower may also send his/her complaint/s to the Principal Nodal Officer of the Bank at the
following address:
The Principal Nodal Officer cum Chief Grievances Redressal Officer,
Union Bank of India, Customer Care Unit,
Operations Department, Central Office,
World Trade Centre, The Arcade, Tower 4,
Cuffe Parade, Mumbai – 400005.
Email: cgo@[Link]
28. Borrower hereby acknowledges the receipt of Key Facts Statement from the Bank in the format prescribed by Reserve
Bank of India and same may be read as part and parcel of this Loan Agreement.

SCHEDULE I

DESCRIPTION OF BORROWER

Sr No Full Name and Mobile No & Email ID Present Permanent / Regd. Photograph with
PAN / CIN /Communication Office Address (if signature across (for
Address applicable) individuals)

1 SWATI SINGH 9451609037 VILL BARHAT POST VILL BARHAT POST

BARHAT VILL BARHAT BARHAT VILL BARHAT
POST BARHAT POST BARHAT
GHAZIPUR UTTAR GHAZIPUR UTTAR
PRADESH 233311 PRADESH 233311

SCHEDULE II “A”
1. All assets created out of Bank Finance.
2. All the tangible movable machinery and plant of the Borrower together with spares, tools and accessories and other
movables, both present and future, whether lying loose or in cases which are now lying or stored in or about or shall
be brought into or be stored or be in or upon or about the Borrower’s premises and godowns or wherever else the
same may be or be held by any party to the order or disposition of the Borrower relating to or pertaining to the
Borrower’s works at Ghazipur

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 7
 Certificate Number: IN-UP45395302869079X

SCHEDULE II “B”

(I) Term Loan

[Link] Installments Amount of Installments Tenure

84 13475.36 84

(II) D.P.G.L. –Due Dates

Date Amount Date Amount Date Amount Date Amount

IN WITNESS WHEREOF the Borrower has hereunto put his hand and seal this day of X-X-X-X-X-X of X-X-X-X-X-X 20X-X-X-X-
X-X .

SIGNED AND DELIVERED BY

the within named Borrower

"This Document is executed on the date specified along with signature/electronic signature."
Signature Not Verified
Digitally signed by SWATI SINGH
ForDate:
Swati singh10:21:24 IST
2025.11.16
Reason: Agreement Executed
Location: Uttar Pradesh

Page 8
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP45395171273853X

Certificate Issue Date 16-Nov-2025 10:13 AM

Account Reference No NESL (CR)/ UPSHCIL10/ LUCKNOW/ UP-LKN

Unique Doc. Reference UP0001INESL2025320326439

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 787000.00

First Party UNION BANK OF INDIA

Second Party SWATI SINGH

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 100.00

Description of Doc. Article 5c Agreement or Memorandum of an Agreement

QR
 Certificate Number: IN-UP45395171273853X

LETTER OF UNDERTAKING NOT TO ALIENATE HYPOTHECATED GOODS (AD-12)

Place GHAZIPUR
Date X-X-X-X-X-X

The Branch Manager,

UNION BANK OF INDIA
KATCHARA Branch

In consideration of the Bank having advanced to us Cash Credit/overdraft facility to the extent of Rs 787000.0 (Rupees
Seven Lakhs Eighty Seven Thousand Only ) we have executed the hypothecation agreement dated X-X-X-X-X-X whereby
we have hypothecated the firm’s machinery/stocks which are more particularly set out in the schedule to the aforesaid
Hypothecation Agreement.

We, hereby, declare that the said machinery/stocks are the absolute property of the firm / company and in which no other
person has any right, title or interest or any lien or charge thereon. We undertake that till such time as our liability to the
Bank is outstanding we will not create any charge in any manner whatsoever so as to prejudice the security created in your
favour under the aforesaid hypothecation agreement dated X-X-X-X-X-X .

Yours faithfully,

(Full Names) (Signature)

SWATI SINGH

"This Document is executed on the date specified along with signature/electronic signature."

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Letter of undertaking from Borrower(s)

The Branch Manager

Union Bank of India,
KATCHARA Branch

Dear Sir,

My/Our Loan A/c No. ____________________ Dated X-X-X-X-X-X for Rs. 787000.0 .

With reference to the above, I/we hereby undertake/authorize the following:

1. I/We, understand that as a pre-condition, relating to grant of loans/advances/other non-fund based credit
facilities to me/us, your Bank, requires my/our consent for the disclosure by the Bank, of information and
data relating to me/us, of the credit facility availed off to be availed, by me/us, obligations assumed/to be
assumed by me/us, in relation thereto and default, if any committed by me/us, in discharge thereof.

2. Accordingly, I/We, hereby agree and give consent for the disclosure by your Bank of all or any
[i] information and data relating to me/us
[ii] the information or data relating to any credit facility availed
of/to be availed, by me/us, and
[iii] default, if any, committed by me/us in discharge of my/our such obligation

As your Bank may deem appropriate and necessary, to disclose and furnished to Credit Information Bureau (India) Ltd.
and any other agency authorized in this behalf by Reserve Bank of India.
3. I/We, declare that the information and data furnished by me/us to your Bank are true and correct.
4. I/We, undertake that:

[a] the Credit Information Bureau (India) Ltd. and any other agency so authorized may use, process the said information
and data disclosed by the Bank in the manner as deemed fit by them and

[b] the Credit Information Bureau (India) Limited and any other agency so authorized may furnish for consideration, the
processed information and data or products thereof prepared by them, to Banks/financial Institutions and other
credit grantors or registered users, as may be specified by the Reserve Bank of India in this behalf.

Yours faithfully

Signature of Borrower(s)

"This Document is executed on the date specified along with signature/electronic signature."

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 DEMAND PROMISSORY NOTE
EBLR LINKED

Place GHAZIPUR
Date X-X-X-X-X-X

Rs. 787000.0

On demand, I / We SWATI SINGH M/s Swati singh (jointly and severally)* promise to pay UNION BANK OF INDIA,
KATCHARA Branch or order sum of Rupees 787000.0 together with interest on such sum at the rate of External Benchmark
Lending Rate (EBLR) comprising of RBI Repo Rate + Spread which is presently 8.25 % per annum plus Premium of 275 basis
points or such other rate as may be prescribed by the Bank from time to time upon interest rate reset, with monthly rests,
for value received.

Revenue
stamp
Re1/-

Authorised Signatory
Designation

SD-21 B (EBLR)

*Strike out if not applicable

"This Document is executed on the date specified along with signature/electronic signature."

For Swati singh

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Letter of Undertaking from Guarantor/s

The Branch Manager

Union Bank of India,
KATCHARA Branch

Dear Sir,

Account No. .
Dated X-X-X-X-X-X For Rs. 787000.0 in the name of Swati singh .

With reference to the above, I/we hereby undertake/authorize the following :

1. I/we, understand that as a pre-condition, relating to grant of the loans/advances/other non-fund based credit facilities
to M/s. Swati singh and furnishing guarantee in relation thereto, your bank requires consent of the guarantor/s of the
credit facility, granted/to be granted by the bank for the disclosure by the bank of information and data relating to
guarantor/s, any credit facility availed of by the guarantor/s obligations assumed/tobe assumed by me/us, in relation
thereto and default, if any committed by me/us, in discharge thereof.

2. Accordingly, I/we, hereby agree and give consent for the disclosure by your bank of all or any

[i] information and data relating to me/us;

[ii] the information or data relating to my/our obligations in any credit facility granted/to be granted, by
the bank and guaranteed by me/us, as guarantor and
[iii] default, if any, committed by me/us, in discharge of my/our such obligation.

As your bank may deem appropriate and necessary to disclose and furnish to Credit Information Bureau (India) Ltd. and
any other agency authorized in this behalf by Reserve Bank of India.

3. I/we, declare that the information and data furnished by me/us to the your bank are true and correct.
4. I/we, undertake that :

[a] The Credit Information Bureau (India) Ltd. and any other agency so authorized may use, process the said
information and data disclosed by the bank in the manner as deemed fit by them and
[b] The Credit Information Bureau (India) Ltd. and any other agency so authorized may furnished for
consideration, the processed information and data or products thereof prepared by them, to banks/financial
institutions and other credit grantors or registered users, as may be specified by the Reserve Bank of India in
this behalf.

Yours faithfully

Signature of Guarantor(s)
Place GHAZIPUR
Date X-X-X-X-X-X

"This Document is executed on the date specified along with signature/electronic signature."

Signature Not Verified

Digitally signed by SWATI SINGH
Date: 2025.11.16 10:21:24 IST
Reason: Agreement Executed
Location: Uttar Pradesh