Name of the Concern: rajesh yadav

Name of the Branch/RO: PARSURAMPUR

PARSURAMPUR

PARSURAMPUR ATPARSURAMPUR;[Link],PIN-276129

Ref. No. UBIM0000423194 Date: 19-01-2026

To,
rajesh yadav
sagari saidpur , parsurampur, maharajganj ,
parsurampur, AZAMGARH, UTTAR PRADESH, 276137

Dear Sir/Madam,

SUB: Your request for Sanction of Credit facilities

With reference to your online application for Credit facilities, we have pleasure in advising you that we
are agreeable to sanction credit facilities at our PARSURAMPUR branch to you as detailed hereunder for a
period of one year for meeting working capital requirements, subject to periodical review at the Bank's

Credit Facility Existing Limit Proposed Limit

Working capital demand loan 0.00 160000
Total 0.00 160000

The terms and conditions governing the Credit Facilities as mentioned above are detailed in Annexure 'A' .
rajesh yadav should also 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 by an authorized signatory of the
rajesh yadav in token of having accepted the terms and conditions as detailed in Annexure.

Accepted, the above on the terms and Conditions mentioned in Annexure A.

Yours faithfully

For Union Bank of India

(Digitally Approved)
(Signature of the Borrower)

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
Name of the Branch/RO: PARSURAMPUR

TERMS & CONDITIONS OF SANCTION

Annexure A
1 Name of Borrower (S) : rajesh yadav
sagari saidpur , parsurampur, maharajganj ,
2 Address :
parsurampur, AZAMGARH, UTTAR PRADESH, 276137
3 Branch : PARSURAMPUR
4 Regional Office : Azamgarh North
5 FGMO : Varanasi
6 Date of Sanction : 19-01-2026
7 Validity of Sanctions : 6 Months from the Date of Sanction
8 Purpose of Loan :
9 Due Date for Review/Renewal : One year from the Date of Sanction
DETAILS OF LIMITS WITH MARGIN/INTEREST/SECURITY
Sl.N Interest/
Nature of Limit Amount Margin Prime Security
o Commission
Working capital demand Asset bought out of
1 160000 10.0% EBLR* +1.75%
loan Bank's finance
Total 160000

*Currently EBLR is 8.0% with effective from 11-02-2025. EBLR is subject to periodic change as per Bank/RBI’s

B.1 Covered under CGTMSE Yes

I/We understand that this Credit facility is to be covered under CGTMSE & I/ We undertake the following:

a. 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.

b. Additional handling charges of 10% Over and above the CGTMSE Fees & applicable GST to be borne by
the Borrower.

c. 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.

d. 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 as per the latest directives of CGTMSE. Bank's handling charges is
non-refundable.
Repayment Schedule (Applicable for term loan)
Particulars Terms
Facility Working capital demand loan
Purpose of Loan
Amount 160000.0
Rate of Interest 9.75
Tenure of loan 36
Moratorium Nil

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
Name of the Branch/RO: PARSURAMPUR

Repayment Schedule 5121.43, commencing after 1 month of first

Interest Service
C Details of Guarantee (Personal)

[Link] Name of Guarantor Address of Guarantor Net worth as on

231 GRAM-SAIDPUR POST-ARAJI
1 RAJESH YADAV AMANI AZAMGARH UTTAR
PRADESH 276139
D Documents to be taken:
S. No. Type Documents
1 Borrower Appropriate D.P. Note
AD-09 (m) Letter of Continuity
AD-02(A) Letter of general lien & set off
AD-12 Letter of undertaking not to alienate Hypothecated Goods & Book Debts
AD-07/ AD-08/ AD-10/ AD-11 Undertaking depending on constitution
(In case of CC) SD-03 (Hypothecation of Goods Agreement) or SD-06
(Hypothecation of Goods & Book Debts)
(In case of TL) SD-19 (Hypothecation of Movable Assets)
(In case of WCTL) SD-20 (Composite Hypothecation Deed)
CIBIL Undertaking from the Borrower
CGTMSE Undertaking
2 Guarantor SD-01 Deed of Guarantee
CIBIL Undertaking from the Guarantor
E Details of Charges to be collected
Nature of Amount of charges to be collected as
Charge Type Frequency of collection
limits per rules (GST Extra)
At the time of Sanction. For
Processing Charge Nil Renewal/ Short Renewal (As
per extant guidelines)
Digital Convenience
1000.0 At the time of Sanction
fees
CERSAI 100 per movable asset Per instance
Inspection As applicable Quarterly
CIBIL Consumer 100 per report. Per instance
CIBIL Commercial 500 per report. Per instance
CGTMSE As applicable Annual
At the time of
Stamp Duty As per state stamp act
documentation
Note:
- Over and above these charges, out of pocket expenses will be recovered on actual incurred basis.
- Charges are subject to change from time to time.

F Pre disbursement Terms & Condition

• Unit inspection by Branch officials is to be carried out and report held on record before release of
credit facilities.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
Name of the Branch/RO: PARSURAMPUR

• The release of credit facilities is also subject to vetting of security documents and mortgage by the
bank's approved advocate, charges of same to be borne by the borrower.
• Borrower is to provide stock statement containing full details of stocks, debtors (age wise), creditors
(actual level) to the Branch.
• Personal guarantee of Proprietor/Promoter(s)/Partner(s)/Director(s) is to be ensured by Branch. In
case of Partnership firms, the borrower has to mandatorily deposit the Notarized/ Registered
partnership Deed and Branch has to cross check that the names of all partners as per the deed are
mentioned in the loan application submitted online by the applicant. In case of any mismatch the
sanction shall stand cancelled.
• In case of Company(s), the Branch (before disbursement) has to mandatorily obtain memorandum of
Association, Article of Association with certified copy of Board Resolution in connection with Loan
Application, Acceptance of terms and conditions as per sanction and to appoint authorized signatory
for Documentation and RoC Charge creation. Documentation to be done manually for
partnership/LLPs/Company/OPC.
• Account is subject to annual review as per extant terms and conditions at Bank’s sole discretion; upon
non meeting the defined criteria, account will be moved out of the purview of Digital Renewal and
will be treated as general CC account and will be processed by Branch manually after obtaining
required financial documents.
G Undertaking by the Borrower
I/ We Undertake that:
• None of the Name of the company/ directors/ associate concerns figure in defaulters list/ caution
list/ willful defaulters list/ ECGC, SAL List/ caution List of Exporters.
• None of the director/ partners/ proprietors is a director in our/ other Bank or is related to them,
• No litigation is in force against the Applicant Entity or against the Proprietor/Partners/ Directors,
• All information furnished by me/ us is true, correct, and complete,
• I/ We have no borrowing arrangements for the unit,
• There is no overdue/ statutory dues against the borrowing entity & its promoter(s).
• Details of net worth of the directors/partners/guarantors are true and correct,
• All the securities offered are free from any lien or charge,
• 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 pertains to 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’s dues including publication of
defaulters 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.
• The bank can pass all the information about the borrower or his account to RBI/Credit Information
Companies, set up by RBI who is authorized to collect, process and share credit information on the
borrowers among Banks and Financial Institutions.
• Annual Review/ Renewal of credit facility will be done as per extant guidelines.
H Penal rate of interest
In respect of the following, 2% Penal Interest to be charged:
a. Non submission of Audited Financials after closure of financial year within prescribed timeframe (if
applicable)
b. Delayed submission of CMA/Renewal data (for manual processing).
c. Excess over limit/Drawing Power: On the amount in excess of limit / DP for the period of excess
If any of the conditions spelt out hereunder are observed in the borrower account, the same will
attract Penal Interest of 1% p.a. each subject to maximum of 2% p.a.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
Name of the Branch/RO: PARSURAMPUR

d. Non-Submission/delayed submission of Stock Statements: submitted after 10th of the subsequent

month.
e. Non-compliance of any terms of sanction. Till such time the terms are complied with.
I Validity of Sanction: 03/06 Months (For Cash Credit/ Term Loan)
If the sanction terms are not compiled within prescribed time, the limits sanctioned will be treated as
cancelled automatically without any communication on the part of the Bank unless validity period, i.e. 3
months for Cash Credit facility and 6 months for WCTL/ Term Loan facility is extended in writing by the
Bank.

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

1. KYC Compliance and Due Diligence
Branch to confirm that KYC/AML norms have been complied with and due diligence exercise carried
out and report submitted before release of credit limits.
[Link] 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.
3. Documentation
i. Applicable Security documents to be obtained from the borrower and guarantors.
ii. In case of companies/trust/societies, documents to be executed by authorized persons as per
resolution. Company resolution to be obtained for taking finance from bank.
iii. Common Seal of the company be affixed on the documents as per authorization (to be Governed
as per extant regulation of Companies Act).
iv. Certified copies of memorandum of association and articles of association of the company be kept
on record.
v. 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.
vi. In case of company, the borrower and the guarantors shall submit an undertaking that no
consideration whether it be by way of commission, fee, brokerage or in any other form shall be
paid by the former or received by the latter either directly or indirectly in regard to the personal
guarantee furnished by directors of the borrower company.
vii. Legal Entity Identifier (LEI)/GSTIN to be obtained in applicable cases.
4. Warranties, undertakings & guarantees to be made by the Borrower
i. Borrower to submit undertaking as per annexure -VI
ii. Share application money to be converted into equity. Borrower to give undertaking giving specific
date by which it is to be converted into equity. (in line with the sanction stipulation)
iii. Statutory dues, if any, to be paid by borrower before disbursement of the loan.
iv. 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.
v. Personal Guarantees of partners/ promoters/directors/guarantors/owners of mortgaged property
to be obtained as per stipulation.
5. Creation of security interests and charge

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
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i. Search to be conducted from ROC in case of companies for ascertaining the charges on its assets
and report to be held on records.
ii. Our bank’s charge to be registered with ROC within 30 days of documentation for limits &
securities and certificates to be held on record.
iii. Our Charge with CERSAI to be registered on immovable / movable properties as per extant CERSAI
guidelines.
[Link]
i. Security documents to be vetted by law officer/Bank’s advocate/Branch Head as per extant
guidelines.
7. 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 alongwith 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.
8. Tie up for Equity
i. Borrower to demonstrate to the bank that satisfactory arrangements have been made for tie-up
by way of equity from the promoters / private equity players / strategic investors / other
investors/ internal accruals.

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. Branch to obtain copies of original bills/cash memos, certified by promoters in respect of all fixed
assets/machinery items financed with bank loan, for records.
v. The loan to be released in stages depending upon the progress of the work.
vi. At each stage, the branch officials to carry out the inspection and verify the actual procurement
of assets. Inspection report to be submitted in LAPS.
vii. CA certificate (with UDIN) to be obtained regarding equity contribution and end use of bank
finance as per sanctioning authority stipulation. Statement of bank account revealing sources of
promoter contribution & end use to be provided to the bank by the borrower.
viii. Final post disbursement inspection to be conducted for physical verification of assets and report
be prepared and held on records on complete disbursement of loan. Valuation of assets financed
by bank is to be carried out after completion of project for which loan is disbursed. The same is to
be fed in CBS under value of security.
3. CONDITIONS SUCCEEDING DISBURSEMENT
a. Compliance Certificate
i. Branch to submit compliance certificate for having complied with all the terms of sanction to
controlling office within 10 days from the date of release of the credit limits
ii. The borrower to display a board in prominent place in the project/office premises indicating that
the assets/stocks are hypothecated to bank.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
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iii. 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. In case the borrower pays higher rate of interest/charges/commission to any other financing
bank/FI in the consortium, endeavor should be made to charge the same by our Bank in line with
the leader in consortium / multiple banking. All other terms and conditions stipulated by other
financing banks/FIs shall also apply “mutatis mutandis” for our share of credit facilities. Branch to
obtain the copies of sanction letters from other Banks in the consortium for comparison of
sanction terms
iii. 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.
iv. In case of account under EBLR regime, The Credit facility is floating in nature. Applicable Rate of
Interest = External Benchmark (RBI Policy Repo Rate) + Spread + Credit/Strategy Risk Premium
The prevailing components are as under:
• RBI Policy Repo Rate (A): ………
• Spread (B): ………
• Credit/Strategy Risk Premium (C): ………
• Total Applicable Rate (A+B+C):
(Branches have to mention the applicable Spread and Credit/Strategy premium at the time of the
sanction of loan.)
External Benchmark (RBI policy Repo Rate)- It will be reset at bimonthly intervals on the 11th
day of the respective month in which the RBI’s Repo rate is reviewed/changed. It can be either
increased or decreased based on the RBI monetary policy committee decision.
Spread - The spread once applied at the time of availing the loan will remain fixed for three years
from the date of sanction and subsequent reset will be done after every three years at the
prevailing spread of the Bank at that point in time.
Credit/Strategy Risk Premium – The reset of Credit/Strategy Risk premium of different categories
of loans will be fixed at the time of review/renewal of credit facilities based on the credit quality
of the borrower.
v. Borrower to route all cash flows through accounts with our bank/lead bank. Sales invoices of the
borrower to mention our bank/lead bank account details for direct deposit by the customers of
the borrowers.
vi. 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
4. REPAYMENT OF TERM LOAN/WCTL
i. Project must achieve COD as projected.
ii. Moratorium of null months will be allowed from first disbursement

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
Name of the Branch/RO: PARSURAMPUR

iii. Term loan to be repaid by the borrower in null monthly/quarterly installemts along with interest.
First installment to fall due on null (date/month/year)
5. OPERATION – CASH CREDIT LIMIT
[Link] of stock and book debt statements
i. The Borrower shall submit the monthly stock and book debt statement, to the Bank by 15th of
subsequent month. The delay in submission of Stock Statement attracts penal interest@1% subject
to maximum 2% over and above the interest rate charged.
ii. The stock and book debt statement shall contain the full details of stocks, debtors (agewise),
creditors (actual level) acceptances & details of usance LCs opened and insurance details, as on
date of stock statement.
iii. The book debt statement shall indicate the debts outstanding up to 90 days and above for
different slabs separately.
iv. The outstanding borrowings at all times be fully covered by the drawing power based on monthly
Stock and Book Debts Statement. If at any time, the drawing power falls below the amount
borrowed, the Borrower shall forthwith adjust such excess borrowings.
v. Letter of no lien and free access be obtained from the owner of premises in case the goods are
stored in rented premises.
2. Basis of Valuation of Stock
i. Raw materials, stores and spares at cost price or market price or Govt. controlled rate, invoice
rate; whichever is lower.
ii. Stock-in-process at conversion cost plus raw material cost or realizable value; whichever is lower.
iii. Finished goods at cost of sale, invoice price or market price / export prices; whichever is the
lowest.
iv. Book Debts: At realizable value
[Link] Power
i. DP to be allowed against paid up stock and eligible book debts.
ii. Book debts for more than 90 days will not be considered for the purpose of DP unless otherwise
approved by the Bank. Book debts more than 90 days/unpaid stocks will continue to be the part of
the prime security. The stock under D.A LC shall not be reckoned for arriving drawing power. The
creditors/acceptance(unpaid stock) shall be reduced while arriving at drawing power.
[Link] use of funds
i. Cash credit limit to be utilized only for working capital purpose for genuine business transactions
in which the party deals.
ii. No diversion of funds to be allowed for non business transactions or creation of fixed assets.
iii. Branch to ensure proper end use of funds.
6. CASH CREDIT– GENERAL TERMS
1. Commitment Charges
Branch to follow the extant guidelines on service charges.
i. Intra group transfers not to be allowed unless and until it is a genuine trade transaction in which
the borrower deals.
ii. No excess over limits to be allowed
iii. Borrower under sole Banking to exclusively Bank with us and shall submit an undertaking to this
effect.
iv. Borrower to maintain adequate books of accounts which should correctly reflect its financial
position & scale of operations and not to radically change its accounting system without prior

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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 Name of the Concern: rajesh yadav
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notice to the Bank.

2. If any of the conditions spelt out hereunder are observed in the borrower account, the same will
attract Penal Interest of 1% p.a. each subject to maximum of 2% p.a. (Wherever applicable)
i. Non-compliance of terms of sanction. Till such time the terms are complied with.
ii. Non-Submission/delayed submission of Stock Statements: submitted after 15th of the subsequent
month.
In respect of the following, 2% Penal Interest to be charged (Wherever applicable):
i. Return of Cheques Purchased/Discounted: from the date of purchase till adjustment
ii. Return of Bills Purchased/Discounted: from the date of purchase till adjustment.
iii. Non submission of Audited Financials in time: Penal Interest to be charged from 15th November
(for unlisted companies) and from 15th July (for listed companies) till the date of submission.
iv. Delayed submission of CMA/Renewal data (for the period beyond due date)
v. Delayed payment of Term Loan/DPGL installments: for the period of delay in respect of the
installments delayed.
7. CREDIT MONITORING
i. Branch/RO to monitor the account regularly.
ii. Periodic inspection to be carried out by the branch officials to satisfy themselves about end use of
funds and to ensure project implementation as per schedule and hold report on record. Alert to
be exercised and corrective measures be taken immediately in situations where progress is not as
planned or any misuse of funds is noticed.
iii. Branch to carry out periodic inspection of securities regularly and submit report to the controlling
office. Inspection report to be submitted in LAPS. M-6 Godown inspection report must be
submitted on quarterly basis.
iv. Branch to submit MCMR as per bank’s guidelines to the respective authority.
v. Yearly Debit Balance Confirmation to be obtained
vi. Branch to carry out necessary action to rectify the Audit irregularities and send confirmation to
controlling office
vii. Yearly review of the credit facilities to be carried out and borrower to submit all requisite papers
one month in advance
viii. Financial covenants and testing
a) DER following any disbursement to not exceed the Project DER
b) The financial covenants shall be tested on an annual basis from the financial year in which
the principal repayment commences. It should be ensured that FACR/DER/CR/TOL to
TNW/DSCR are maintained as projected.
c) Non maintenance of financial covenants will attract penal charges if sanctioned as per
approval note.
d) Bank shall compare financials submitted by the borrower to the bank with the financials
submitted to ROC. Any variation shall be treated as misrepresentation to the bank.
ix. Book Debts beyond cover period, written off and subsequent realizations should also be deposited
directly into account of our bank/consortium.
x. For all business loans, borrowers to submit monthly stock and book debts statements to bank.
xi. Bank shall carry out due diligence of stock/book debts position including visit, directly obtaining
balance confirmation from debtors, appointing Stock & Book Debts audit.
xii. Based on Stock and Book Debt statements and monthly sales routed by the borrower, bank shall
monitor cash inflows vis a vis routing through bank/consortium to ascertain diversion, if any.
8. DEFAULT AND RECOVERY

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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1. Prepayments of Term Loan

i. The Borrower shall have the option to prepay the Facility in part or full within 30 days after each
Reset Date(s) without payment of prepayment premium. Such prepayment shall be made by giving
an irrevocable notice within 15 business days after each Reset Date.
ii. Prepayment charges of 2% p.a shall be applicable in case the prepayment is done on any other
dates.
iii. Prepayment penalty will also be payable @ 2% in case the borrower prepays the debt by way of
funds other than fresh equity or internal accruals.
2. 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/consortium and/or routing
cash flows through those accounts.
v. Non-compliance of any term or condition stipulated by bank.
3. 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

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

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Name of the Branch/RO: PARSURAMPUR

4. 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
5. 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. Request Bureau of Immigration (BOI) through CRD, CO for issuance of Look Out Circular (LOC), if
required.
iii. Examine the role of Chartered Accountants (CA) of borrowers for reporting to ICAI and inclusion in
Police/CBI complaint.
iv. Examine the role of TPE viz. Adv, Valuer, Stock Auditor etc for reporting to IBA/Police/CBI.
v. Take up with non-lending/non consortium banks for closure of accounts opened without NOC of
the bank/consortium and transfer of available balance to the bank/consortium.
v. Borrowers to make all efforts for deposit of all cash inflows into designated account with
bank/Consortium.
6. Solvency
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.
9. Terms and Conditions in case of Assignment/Securitization
1. The Borrower shall not be entitled to transfer or assign any of the Borrower’s rights or obligations
under this Agreement to any person directly or indirectly without the prior written consent of the
Lender. This Agreement shall bind the successors of the Borrower too.
2. The Borrower further agrees that the Lender may at any time transfer, assign or novate by way of
securitization, direct transfer and assignment or otherwise any of its rights, benefits or obligations
under this Agreement to any party without the requirement of any further consent of the
Borrower. This Agreement shall also ensure for the benefit of the successors of the Lender.
3. In case of an assignment of the entire Loan by the Lender to a bank or financial institution, even
though the Interest Rate applicable to the Loan on the date of assignment vis-à-vis the assignee
will be the same as was applicable vis-à-vis the Lender on such date, it will be computed with
reference to the reference rate of the assignee bank/ financial institution and accordingly the
spread applicable with reference thereto shall be adjusted by such assignee lender.
4. In the event of demand made by any banks or financial institution(s) from whom the Lender has
obtained financial assistance, the Borrower shall pay the EMI directly to such banks / financial
institutions. The Borrower(s) agrees that he shall not do or cause to be done anything which will
impede the rights of such banks / financial institutions in their recovery of any dues, including the
rights over the product, if any.
10. Terms and Conditions in case of Assignment/Securitization
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

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 11
 Name of the Concern: rajesh yadav
Name of the Branch/RO: PARSURAMPUR

accepted the stipulations of sanction along with the guarantors if any.

Yours Faithfully

For Union Bank of India (Digitally Approved)

(Signature of the Borrower) Accepted all the terms and conditions
Place: AZAMGARH
Date: 19-01-2026

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 12
 LOAN APPLICATION FORM PRADHAN MANTRI MUDRA YOJANA – KISHOR/TARUN

A. For office Use:

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

rajesh yadav UBIM0000423194 PARSURAMPUR Kishor

B. Business Information:

Name of the Enterprise rajesh yadav

URN UDYAM-UP-07-0035051
GSTIN Not Available
Constitution OTHERS
Current Business Address (CBS) sagari saidpur , parsurampur, maharajganj , parsurampur, AZAMGARH, UTTAR PRADESH, 276137
State: UTTAR PRADESH PIN Code: 276137
Telephone No. Mobile No. 91 8726601414
E-mail: test@[Link]
Business Activity null(null)
Date of Commencement (DD/MM/YYYY) 01/01/2020
Whether the Unit is Registered √ Yes
Reg. No: (URN) UDYAM-UP-07-0035051
sagari saidpur , parsurampur, maharajganj , parsurampur, AZAMGARH, UTTAR
Registered office Address
PRADESH, 276137
Social Category OBC

C. Background Information of Proprietor/ Partners:

Residential Address Experience in the

[Link] Name Date of Birth Sex
with Mobile No. line of activity (Years)
231 GRAM-SAIDPUR POST-ARAJI AMANI
1 RAJESH YADAV 04-07-1994 M AZAMGARH UTTAR PRADESH 276139, 6
8726601414

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 RAJESH YADAV AOYPY2972F 488073684114 No Not Applicable Not Applicable

D. Net Worth Details:-

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 1
 Total Networth as on 19-01-
Name Total Assets Total Liabilities
2026

rajesh yadav 100000.00 50000.00 50000.00

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: 634546764
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 188,000.00 0.0
Total 188,000.00 0.0

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.)
0.00 47193.38 188000
Total 0.00 47193.38 188000

I. Declaration:

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.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 2
Signature Not Verified
Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 3
 Key Facts Statement
Mudra Loan STP

Applicant Name: rajesh yadav Date: 19-01-2026

1. Loan proposal/ account No. UBIM0000423194 Type of Loan Working Capital Demand Loan
2. Sanctioned Loan amount (in Rupees) 160000.00 (Rupees One Lakhs Sixty Thousand Only
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) 36 Months
5. Instalment details

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

sanction
Monthly 36 5121.43 30 days
6. Interest rate (%) and Type 9.75% 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 8.00% 1.75% 9.75% - - 5144.00 36
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) (%) 10.48%

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 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- 20 [COMPOSITE

1 Clause of Loan agreement relating to engagement of recovery agents HYPOTHECATION DEED] Clause 33 of
the above agreement
Document Type: SD- 20 [COMPOSITE
2 Clause of Loan agreement which details grievance redressal mechanism HYPOTHECATION DEED] Clause 34 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 160000.00
Part 1)
Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part
2 36 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. 5121.43
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 36 Months
(Sl No. 5 of the KFS template – Part 1)
c) No. of instalments for payment of capitalised interest, if any -
Commencement of repayments, post sanction (Sl No. 5 of the KFS
d) 30 Days
template – Part 1)

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 5
3 Interest rate type Floating
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 9.75%
Total Interest Amount to be charged during the entire tenor of the loan as
5 25308.00
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) NA
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) 160000.00
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 186988.00
Annual Percentage rate- Effective annualized interest rate (in percentage)
9 10.48%
(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 19-02-2026

Repayment Schedule under Equated Monthly Instalment

Month Interest Principal Principal Outstanding Amount

1 1300 3821 156178 5122
2 1269 3852 152326 5122
3 1238 3883 148442 5122
4 1206 3915 144527 5122
5 1174 3947 140579 5122
6 1142 3979 136600 5122
7 1110 4011 132588 5122
8 1077 4044 128544 5122
9 1044 4077 124467 5122
10 1011 4110 120356 5122
11 978 4143 116213 5122
12 944 4177 112035 5122
13 910 4211 107824 5122
14 876 4245 103578 5122
15 842 4279 99299 5122
16 807 4314 94985 5122
17 772 4349 90635 5122
18 736 4385 86250 5122
19 701 4420 81829 5122
20 665 4456 77373 5122
21 629 4492 72880 5122
22 592 4529 68351 5122
23 555 4566 63785 5122
24 518 4603 59181 5122
25 481 4640 54541 5122
26 443 4678 49862 5122
27 405 4716 45146 5122
28 367 4754 40391 5122

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 6
 Month Interest Principal Principal Outstanding Amount
29 328 4793 35598 5122
30 289 4832 30766 5122
31 250 4871 25894 5122
32 210 4911 20983 5122
33 170 4951 16031 5122
34 130 4991 11040 5122
35 90 5031 6008 5122
36 49 6009 0 5122

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 7
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP58680917356645Y

Certificate Issue Date 19-Jan-2026 02:53 PM

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

Unique Doc. Reference UP0001INESL2026019620461

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 160000.00

First Party UNION BANK OF INDIA

Second Party RAJESH YADAV

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-UP58680917356645Y

LETTER OF CONTINUITY AD-09(M)

Union Bank of India,

PARSURAMPUR Branch

I/We beg to enclose a Demand Promissory Note of even dated for Rs. 160000 (Rupees One Lakhs Sixty 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
160000 (Rupees One Lakhs Sixty 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

RAJESH YADAV

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP58682045669140Y

Certificate Issue Date 19-Jan-2026 02:53 PM

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

Unique Doc. Reference UP0001INESL2026019620468

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 160000.00

First Party UNION BANK OF INDIA

Second Party RAJESH YADAV

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-UP58682045669140Y

AD-02A
To be stamped as simple agreement

UNION BANK OF INDIA

PARSURAMPUR Branch

Place AZAMGARH

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."

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP58682292630195Y

Certificate Issue Date 19-Jan-2026 02:53 PM

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

Unique Doc. Reference UP0001INESL2026019620476

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 160000.00

First Party UNION BANK OF INDIA

Second Party RAJESH YADAV

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-UP58682292630195Y

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

Place AZAMGARH
Date X-X-X-X-X-X

The Branch Manager,

UNION BANK OF INDIA
PARSURAMPUR Branch

In consideration of the Bank having advanced to us Cash Credit/overdraft facility to the extent of Rs 160000 (Rupees One
Lakhs Sixty 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)

RAJESH YADAV

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

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Digital e-Stamp
INDIAN – NON JUDICIAL
GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp

Certificate No IN-UP58681987206918Y

Certificate Issue Date 19-Jan-2026 02:53 PM

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

Unique Doc. Reference UP0002INESL2026019620485

Purchased by UNION BANK OF INDIA

Consideration Price (Rs) 160000.00

First Party UNION BANK OF INDIA

Second Party RAJESH YADAV

Stamp Duty Paid By UNION BANK OF INDIA

Stamp Duty Amount (Rs) 150.00

Description of Doc. Article 40 Deed of Hypothecation

QR
 Certificate Number: IN-UP58681987206918Y

COMPOSITE HYPOTHECATION DEED (SD 20)

TO
UNION BANK OF INDIA
PARSURAMPUR BRANCH

IN CONSIDERATION OF Union Bank of India, a Body Corporate, constituted under Banking Companies(Acquisition &
Transfer of Undertakings) Act, 1970, having its Head Office at 239, Vidhan Bhavan Marg, Nariman Point, Mumbai and
having a Branch office inter alia at/named (hereinafter called 'the Bank' which expression unless the context otherwise
requires includes its successors and assigns from (time to time) at the request of 160000.0 (herein after called 'the
Borrower' more fully described in Schedule I hereunder) opening and or continuing in the books of the Bank a Banking
Account or Accounts of the Borrower and from time to time at the request of the Borrower granted/agreeing to grant
advances to the Borrower by way of all or any of the facilities viz. Cash Credit (Hypothecation), Cash Credit (Book-Debts),
Secured Overdraft, Letter of Guarantee Limit, Packing Credit, Inland Letter of Credit, Import Letter of Credit, Bill
Purchase/Discounting (Foreign/inland), working Capital Demand Loan, Term Loan etc. (hereinafter collectively referred to
as the ('Credit Facilities'.)with a total limit of Rs. 160000.0 (Rupees One Lakhs Sixty Thousand Only ) either individually or in
different combination of limits, more particularly described in the Schedule II hereto, the Borrower hereby enters into this
Agreement.

The Borrower hereby agrees records and confirms with the Bank as follows:

1. The expression 'the Borrower' shall when the borrower is:-

(a) An individual include his or her or the irrespective heirs, executors and administrators;

(b) A firm includes its partners of the firm, their respective heirs, executors, administrators, and/or the surviving
partners.

(c) A Company include its successors;

(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 all members and their respective heirs,
executors, administrators and assigns;

(f) A trust, whether public or private, include the trustee or trustees representing the said trust.

The expression “the Borrower” may include apart from the above a co-operative society registered under the Co-operative
Societies Act, a society registered under Societies Registration Act or any other appropriate enactment, a Non-Banking
Finance Company or any co-operative or commercial Bank or any other Body or Entity duly recognized by law.

2. That the Borrower agrees that upon his/their request Bank has sanctioned an advance/ limit aggregating to Rs. 160000.0
upon the terms & conditions conveyed to the Borrower by the Bank vide Sanction Letter No. UBIM0000423194 dated X-X-
X-X-X-X and those terms & conditions shall be treated as part and parcel of this Agreement.

3. That the Borrower hereby HYPOTHECATES BY WAY OF FIRST CHARGE IN FAVOUR OF THE BANK:

(a) all the goods, stocks, raw materials, plant, machinery, fixtures, implements, fittings and other installations,
furniture, vehicles, computers and all other articles and things both present and future, whether installed or not,

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 1
 Certificate Number: IN-UP58681987206918Y

whether lying loose or in cases, at site or in transit or which may at any time hereafter during the continuance of
this security be installed or lying loose or in cases or being in or upon or about the Borrower's factory premises,
warehouses and Godowns at ...........…………………………………………………………………………………… or wherever else the
same may be or be held by any party anywhere to the order and disposition of the Borrower or in the course of
transit to the Borrower (including those goods, machinery, implements etc. purchased out of the Term Loan
sanctioned by the Bank covered under this Agreement) described in general terms in the schedule hereto (all of
which are hereinafter referred to as “Hypothecated Property” and more particularly described in the Schedule III
A &B)
; AND

(b) all the Borrower’s present and future book debts, outstanding monies, receivables, claims, bills, contracts,
securities, investments, rights, and assets (hereinafter referred to as the 'Book Debts' and more particularly
described in Schedule III C) as security for due repayment to the Bank at any time on demand the total balance
outstanding in the various accounts and in installments as agreed in respect of the term loan account along with
the interest at the rate hereinafter provided and all costs (including all costs between Attorney and Client)
commission, charges and expenses incurred by the Bank for the preservation, protection, defence and perfection
of the security or for attempted or actual realization thereof AND ALSO as security for advances made or which
may be made to the Borrower or any one or more of them whether alone or jointly on any account current or
otherwise and for any liability on bills discounted or held by the Bank at the Borrower's request or bearing the
Borrower's name and also for any other liability on the Borrower's part to the Bank incurred or which may be
incurred at the Borrower's request on any account whatsoever and whether as principal debtor, surety or
guarantor, together with interest and all customary charges thereon.

4. That the credit facilities hereunder granted or continued by the Bank shall be applied and utilized by the Borrower in
the ordinary course and only for the purpose for which the credit facilities are granted.

5. That all the Hypothecated Property and Book Debts and all sales and realizations and Insurance proceeds thereof
from all or any of them shall be held by the Borrower in trust for and on account of the Bank as the Bank's exclusive
property especially appropriated to this security and the Borrower shall not create any charge, lien or encumbrance
affecting them or any part thereof or do anything which would prejudicially affect this security and the Borrower shall
not part with the Hypothecated Property and Book Debts save and except by way of sale in the ordinary course of the
Borrower's business and as hereinafter provided, nor shall any sale be made after prohibition in writing by the Bank
against selling and as regards the Hypothecated Property in Schedule III A the same shall not be sold or alienated
unless specifically permitted by the Bank.

6. That the Borrower shall be at liberty from time to time to sell or dispose of in any manner, the Hypothecated Property
in Schedule III B or any part thereof in due course of business PROVIDED the Borrower shall on any such sale on
receipt of the documents or sale proceeds deliver the documents or pay the sale proceeds to the Bank towards
reduction of the Borrower's liability or goods of a similar nature to those or any of those mentioned in the schedule
hereto and of at least equal value are substituted for the goods so sold or disposed of and the margin required on the
security is fully maintained.

7. That the Borrower shall permit the Bank, their agents and servants from time to time and at all times to enter upon
any godowns or premises wherein the Hypothecated Property or any part thereof and and/or all records of the
Borrower may for the time being be, and to view, inspect and value the same and make inventories thereof and
render to the Bank and their agents all facilities as may be required for any of the purposes aforesaid. All costs,
charges and expenses incurred by the Bank or anything incidental to such inspection and valuation, possession and
removal shall be paid by the Borrower to the Bank and if not paid be debited to the borrower's account which shall
attract interest at the rate hereinafter mentioned. Any such valuation shall be conclusive and binding on the

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 2
 Certificate Number: IN-UP58681987206918Y

borrower.

8. That the Borrower shall at the Borrower’s risk, cost and expenses preserve the Hypothecated property in good
condition and recondition the same from time to time. The Borrower shall put necessary notice board indicating
hypothecation charge in favour of the Bank over the Hypothecated Property in a conspicuous part of the
godowns/premises where all or any of the Hypothecated Property is situate/stored/processed. The Borrower shall
punctually pay all rents, rates, taxes, cesses, duties and other outgoing of the factory premises and godown wherein
the Hypothecated Property shall be and keep the Hypothecated Property free from distress. In default, the Bank may
without affecting its rights hereunder or at law and without being bound to do so pay such rents, rates, taxes, cess,
duties and other outgoings and any such amount paid by the Bank shall be repaid by the Borrower on demand and in
default of such payment the said amount shall be debited to such account/s of the Borrower as the Bank shall think fit
and shall carry interest at the rate hereinafter mentioned and be a charge on the Hypothecated Property.

9. (a) That all the Hypothecated Property, which is the subject matter of this Agreement, shall be insured and kept
insured by the Borrower against loss or damage by fire, theft, robbery, lightening, riot, civil commotion,
malicious damages, strikes and/or any other risk as the Borrower may think necessary or as may be required by
the Bank in its discretion in the joint name of the Borrower and the Bank with an Insurance
Company/Companies approved by the Bank to the extent of at least 10% in excess of actual value of the
Hypothecated Property and the Borrower shall punctually pay the premium due for such insurance and that the
cover note/s or the insurance policy/policies or certificate/s or copies thereof shall be delivered to the Bank.

(b) If the Borrower fails to effect such insurance the Bank may, but without being bound to do so insure the
hypothecated Property against any one or more the aforesaid risks as may be deemed necessary by the Bank in
its discretion in such joint names and any premium and other charges paid by the Bank shall be paid by the
Borrower and until payment is received the said amount shall be debited to such account of the Borrower as
aforesaid as the case may be and until repayment interest at the rate hereinafter mentioned shall be charged on
the said amount.

(c) In the event of loss, destruction by fire or otherwise or damage to the hypothecated property or any part
thereof, the Bank shall be entitled to recover and receive all moneys payable under the insurance. In the event
of the Bank not receiving the entire amount payable for any reason whatsoever the Borrower shall be bound to
pay forthwith the entire balance due to the Bank.

(d) All sums of money recovered or received under the last preceding clause may at the discretion of the Bank be
applied either towards repairing/replacing/reinstating

(e) the Hypothecated Property or be applied towards the liquidation and satisfaction of the balance due to the
Bank and if any part of the insurance moneys shall remain in the hands of the Bank after such application as
aforesaid, the Bank shall be entitled to apply the same towards any other sum/sums of money which may be
due and owing by the Borrower to the Bank on any other account whatsoever. If after settlement of all claims of
the Bank against the Borrower any surplus remains, such surplus shall remain at the disposal of the Borrower
but if the sum or sums of money realized from the insurance be insufficient to cover the balance due to the
Bank and other moneys due to the Bank as aforesaid the Borrower agrees forthwith to repay to the Bank the
deficiency on demand.

(f) The Bank shall be entitled to adjust, settle, compromise or refer to arbitration any dispute between the
insurance company and the Borrower arising under or in connection with the insurance policy and such
adjustment, settlement, compromise and any award made on such arbitration shall be valid and binding on the
Borrower. The Borrower shall as and when called upon by the Bank give all necessary assistance necessary to
enable the Bank to recover the amount of insurance claim.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 3
 Certificate Number: IN-UP58681987206918Y

(g) The Borrower shall not at any time raise any question that a larger sum might or ought to have been received
under such settlement, compromise or award as the case may be or be entitled to dispute its liability for the
balance remaining due to the Bank.

10. (a) Subject to Clause 10(c) below the Borrower shall pay interest to the Bank in respect of the said Credit Facilities
from time to time on the outstanding in their respective credit facility accounts at the respective rate/s as
contained in the sanction advice forming part of the Schedule II hereunder written PROVIDED HOWEVER the
Bank shall at any time or from time to time be entitled to change or vary the rate of interest in respect of any
one or every facility. Notice of variation of rate of interest from time to time as per the directions of the Reserve
Bank of India/or as per interest Rate fixed by the Bank is waived. Such variation in the rate notified in the Notice
Board in the Bank premises shall be sufficient notice to the Borrower and Borrower agrees to pay interest at the
rate notified in the notice board from time to time until all dues are cleared in full. Provided further that the
interest payable by the Borrower shall be subject to the change in interest Rate of the Bank from time to time as
determined and/or interest that may be levied/prescribed by the Bank and/or RBI from time to time and this
Deed shall be construed as if such revised rate/s of interest were already mentioned in the said Schedule and
agreed to be paid by the Borrower and hereby secured. The Bank shall be entitled to demand payment of
interest for the time being due or other amounts payable by the Borrower under these Presents without at the
same time demanding payment of the balance due to the Bank inclusive of such interest or other amounts.

(b) Interest payable at the rate/s aforesaid shall be calculated on the daily debit balance in cash credit, current
account, Term Loan and other Credit Facility/account(s) and charged accordingly in the said account(s) of each
month or quarter or half-year as the Bank may decide, provided however the Borrower shall also be bound to
pay the interest accrued in the respective accounts as per terms of this Agreement but not actually debited to
the respective accounts.

(c) In the event of the Borrower not paying any amount due on account of interest, fees, costs, charge and
expenses payable from time to time under these presents the Bank shall be at its discretion entitled to debit or
charge such amount(s) to any of the Credit Facility account(s) namely the Overdraft Account, Cash Credit
Account, Current Account or any other account of the Borrower. Any amount(s) so debited to the overdraft
account, cash credit account, current account or any other account of the Borrower with the Bank shall form
part of the account(s) to which such amount(s) is/are debited and shall carry interest at the rate or rates in force
at the relevant time applicable to the account(s) to which the amount(s) is/are so debited.

(d) The Borrower agrees to pay and shall pay to the Bank commission, fees on the bills of exchange
accepted/agreed to be accepted/discounted within the specified limits and the guarantees issued/agreed to be
issued/letters of Credit opened/to be opened and deposit/keep deposited with the Bank margin money at such
rate or rates as the Bank may specify from time to time and the Borrower further understands that the rate/s of
commission shall also vary from time to time depending on the directives of FEDAI and the rate/s so specified
shall be deemed to be the rate/s expressly agreed to by the Borrower and as if mentioned in these Presents and
the security hereby created shall be deemed to be securities created for securing such bills of exchange from
time to time within the specified limit as mentioned in the sanction letter.

(e) The Borrower further agrees that if default shall be made in payment of any installment on due dates or in
compliance of terms & conditions of sanction the Borrower shall pay 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.

11. (A) In the event of one or more of the following events occurring, viz.,

i. If the Borrower makes default in payment on demand of the balance due to the Bank, the payment whereof is

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 4
 Certificate Number: IN-UP58681987206918Y

hereby secured or in the performance or observance of any term or undertaking contained in this Agreement
and on the part of the Borrower to be observed and performed;

ii. If any of the representations made by the Borrower in the application for granting Credit Facilities is found to be
untrue or false.

iii. If the Borrower commits default in repayment of any installment of the principal or interest in the Term Loan

iv. If an Order is made or a resolution passed for the winding up of the Borrower or a Petition for such winding up is
filed or notice of a meeting to pass such a resolution issued;

v. If the Borrower shall become bankrupt or is adjudicated an insolvent or an insolvency petition is filed against the
Borrower;

vi. If the Borrower being a partnership firm is dissolved or a notice for dissolution is issued and/or any of its partner
or partners is/are adjudicated insolvent;

vii. If the Borrower enters into a composition with its creditors;

viii. If a Receiver is appointed of the Borrower of all or any part of the property of the Borrower;

ix. If the Borrower ceases or threatens to cease to carry on business;

x. If any execution or other similar process is levied or issued against the Borrower;

xi. If any circumstances shall occur which in the opinion of the Bank is prejudicial or imperils or is likely to prejudice
or imperil the security of the Bank

the entire loan/advance outstanding under the Credit Facilities shall forthwith become payable and the Bank shall be at
liberty to recall the entire credit facilities and/or to realize the security hereby created. (The Bank shall be the sole judge to
determine whether any of the event stated above has actually occurred or not and the Bank may at its full discretion
decide either to recall the advances or to enforce the securities or to continue the Credit facilities after the occurrence of
such event)

(B) That on the happening of any of the event above stated above, if the Bank decides for realization of security, the
Bank’s Official/s or any person authorized by the Bank may at any time/s, enter the premises or place where the
Hypothecated Property may be and take & retain possession of the Hypothecated property and seize and
recover or remove the Hypothecated Property to any place or places as the Bank shall think fit with or without
notice to the Borrower and for those purpose or any of them break open any place/s where the Hypothecated
Property may be installed, lying or stored. The Borrower shall on being required by the Bank take all steps
necessary to give to the Bank or its nominee/s possession and control of the Hypothecated Property and for
that purpose the Borrower shall endorse or deliver to the Bank all documents and do all such acts and things as
may be required by the Bank.

(C) After the Bank shall have taken possession of, seized and/or removed the Hypothecated Property as aforesaid,
the Borrower shall from time to time on demand by the Bank forthwith pay all rents chargeable in respect of
any place or places of storage where the Hypothecated Property shall have been stored, salary and wages of
watchmen, peons or any other persons employed by the Bank and all other charges, costs and expenses
incurred or paid or chargeable by the Bank in the exercise of and give effect to the powers vested in the Bank.

(D) The Hypothecated Property thus taken possession of or any part thereof may be sold by public auction or

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 5
 Certificate Number: IN-UP58681987206918Y

private treaty and/or otherwise disposed of as the Bank may deem fit. The Bank shall be entitled to deduct and
appropriate from the sale proceeds all or any expenses incurred or paid or chargeable in connection with the
exercise of the powers of the Bank and the Bank will be entitled to appropriate the net sale proceeds towards
the balance due to the Bank under this agreement and the Bank shall also be at liberty to enforce, realise, settle,
compromise, deal with any of the rights aforesaid without being bound to exercise any of the powers or being
liable for any loss incurred in the exercise thereof and without prejudice to the Bank's rights and remedies of
suit or otherwise against the Borrower and the Borrower hereby agrees to sign all such documents, furnish all
such information, deliver all relative documents and do all such acts and things as may be required by the Bank
for enabling or facilitating any such sale or realization of or dealing with the Hypothecated Property or any rights
as aforesaid and the Borrower hereby further agrees to accept the Bank's account of realisation and to pay any
shortfall or deficiency therein shown.

12. That if the net sum realised by such sale be insufficient to cover the balance then due to the Bank, the Bank shall be at
liberty to apply any other money or monies in the hands of the Bank standing to the credit of or belonging to the
Borrower in or towards payment of the balance for the time being due to the Bank and in the event of there not
being any such money or monies as aforesaid in the hands of the bank or in the event of such money or monies being
still insufficient for the discharge in full of such balance the Borrower promises and agrees forthwith, on production of
an account prepared and signed as hereinafter provided, to pay any further balance which may appear to be due by
the Borrower thereon PROVIDED ALWAYS that nothing herein contained shall be deemed to negative, qualify or
otherwise prejudicially affect the right of the Bank (which it is hereby expressly agreed the Bank shall have) to recover
from the Borrower the balance for the time being remaining due from the Borrower to the Bank upon the said
Account or Accounts notwithstanding that all or any of the said Hypothecated Property may not have been realised
for any reason whatsoever.

13. That in the event of there being a 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 monies belonging to the Borrower for the time being in the hands of the Bank in or under whatever
account as far as the same shall extend against in or towards payment or liquidation of any and all other monies
which shall be 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 Bills, letter of Credit, Guarantees, charges or of any other debt
or liability including Bills, Notes, Credits and other obligations current though not then due or payable or other
demands, legal or equitable which the Bank may have against the Borrower whether the Borrower shall become or be
adjudicated bankrupt or insolvent or be in liquidation or otherwise, and interest thereon from the date on which any
advance/advances in respect thereof shall have been made at the rate or respective rates at which the same shall
have been so advanced.

14. Without prejudice to the provisions contained in Clause 11 above, the Bank shall be entitled to appoint any Receiver,
Manager or other person to exercise all or any of the powers hereby vested in the Bank with reference to the security
hereby created and shall be entitled to recover and receive from the Borrower the remuneration and/or alternatively
charges of such Receiver, Manager or other person. The Bank shall not be liable and shall be entitled to be
indemnified and kept indemnified by the Borrower for and in respect of all acts, defaults, negligence and mistakes
(whether arising in the usual course of business or otherwise of any such Receiver, Manager or person) and all losses,
claims, demands, suits, proceedings, costs, charges and expenses sustained or made in respect thereof.

15. That the Borrower agrees to accept as conclusive proof the correctness of any sum claimed to be due from the
Borrower to the Bank under this Deed statement of account made out from the books of the Bank and signed by the
accountant or other duly authorised officer of the Bank without the production of any other voucher, document or
paper. The Borrower also agrees to repay the amount accrued but not debited to the account/s.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 6
 Certificate Number: IN-UP58681987206918Y

16. That this Agreement is to operate as continuing security for the ultimate balance or aggregate balances with interest
thereon to become payable upon the said account or accounts as aforesaid and the said account or accounts is/are
not to be considered to be closed for the purpose of this security and the security is not to be considered exhausted
merely by reason of the said account or accounts or either or any of them being brought to credit at any time or from
time to time or of the Borrower having drawn to the full extent of the limits granted for respective accounts if
afterwards an account or accounts is/are reopened by a payment to credit, and if the whole of term loan or the whole
the Bank's advances shall be repaid and the whole of the security be withdrawn the account or accounts or either or
any of them may nevertheless at any time before such account or accounts has or have been closed be continued
under this Agreement upon security as aforesaid being again furnished.

17. That the Borrower hereby declares that all the Hypothecated Property are the absolute property of the Borrower at
the sole disposal of the Borrower and free from any prior charge or encumbrance and that all future goods and
property hereunder shall be likewise their unencumbered property and that the Borrower has not done or knowingly
suffered or been a party or privy to anything whereby he is anyway prevented from hypothecating the hypothecated
goods in the manner aforesaid and assuring the hypothecated goods or any part thereof in favour of the Bank as shall
be required by the Bank and/or their officer/s, attorney/s for and in the name of the Borrower to act on behalf of the
Borrower and to execute and do any act, assurance and things which the Borrower ought to execute and do under
these Presents and generally to do all the acts in the name of the Borrower in exercise of the powers hereby
conferred.

18. That the Borrower shall not during the continuance of this Agreement hypothecate or otherwise charge or encumber
any of the hypothecated goods over which the lien of the Bank shall extend or be expressed or intended to extend to
others nor do or permit any act whereby the security hereinbefore expressed to be given to the Bank shall be in any
way prejudicially affected, and that the Borrower shall not open any other Bank Account or avail credit facility from
any other Bank/institution without the express written consent of the Bank.

19. No changes whatsoever that may take place in the constitution of the Borrower or Bank (Whether by amalgamation
or otherwise) shall impair or discharge the liability of the Borrower hereunder.

20. Without prejudice to the general terms and conditions in this Agreement, the Borrower hereby consents interalia for
the specific terms with regard to the Cash Credit (hypothecation) of goods as under:

(a) That the Borrower shall submit stock statement to the Bank at regular intervals as stipulated by the Bank and
also to maintain stipulated margin.

(b) that the hypothecated stock shall be sold or disposed of in such a manner that the advance value of the goods is
paid to the Bank towards reduction of the Borrower’s liability or goods of similar nature is substituted for the
goods to be disposed of.

21. As regards the Cash Credit (Book Debts) facility, the Borrower interalia (without prejudice to the general terms)
agrees to the following terms:

(a) The Borrower shall submit a statement of Book debts on a monthly basis or at such other intervals as advised by
the Bank

(b) The Borrower shall endeavor to follow up with the debtors to enable the bank to obtain the payment of the
debts on their respective due dates

(c) The Borrower shall not release or compound any of the said debts without the consent in writing of the Bank
and will not do anything impeding recovery of the debts by the Bank

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 7
 Certificate Number: IN-UP58681987206918Y

(d) The Borrower hereby appoints the Bank as its agent or Attorney in its name and on its behalf on demand, sue
for, recover and give effectual discharges for all or any of the book debts hereby hypothecated to the Bank and
for that purpose to file suits, to declare plaints, make affidavits, to employ advocates, to compromise and do all
other acts and things as could have been done by the Borrower for the recovery of the debts.

22. Without prejudice to the general terms and conditions in this Agreement, the Borrower agrees to interalia on the
following specific terms and conditions with regard to the Packing Credit facility:

(a) That the Borrower shall produce necessary confirmed export orders/Letters of Credit as the case may be against
which only the Bank would grant this facility.

(b) That the amount advanced shall be exclusively used for purchase of goods meant for
export/processing/packing/transportation/shipping etc. of the goods meant for export.

(c) That the stock under this facility shall be kept separately from other stock/goods.

(d) That immediately on shipment, the Borrower shall submit the Bills of Exchange, Bills of Lading, invoices etc.
required for negotiation of Bills and/or required under the Letters of Credit

(e) That the Borrower shall produce to the Bank necessary permissions, licenses or other documents required by
law necessary for foreign trade transactions.

(f) That the amounts under this facility shall be covered by the Bank at its discretion under the Whole Turnover
Guarantee policy or any other policy of the Export Credit Guarantee Corporation and all related expenses shall
be debited to the Borrower’s Account.

(g) That the Borrower shall have to pay overdue interest/charges as prescribed by the Bank from time to time if the
Borrower fails to ship the goods and/or hand over the shipping documents within the time stipulated by the
Bank/RBI from time to time.

23. As regards the other limits without prejudice to the general terms and conditions, the Borrower agrees interalia as
follows:

(a) In terms of the Letter of Guarantee Limit, the Bank is authorized to issue as many Letters of Guarantee to those
beneficiaries as the Bank may deem fit, at its discretion, subject to compliance by the Borrower of the Bank’s
stipulations from time to time with regard to the margin, security, payment of commission etc. On invocation of
the guarantee/s the Borrower shall provide the funds required less the margin to enable the Bank to effect the
payment of the Guarantee/s. The Borrower further agrees that the Borrower shall arrange to collect and return
the Original Guarantee deeds in respect of expired Guarantees soon after the validity period of the said
Guarantees expired and also comply with all the rules/practices of the Bank with respect of Letter of Guarantee
facility. Until the original letters of Guarantee are returned or till the Borrower produces discharge letters in
respect of expired Guarantees, the Bank shall be entitled to retain the Bank’s charge over the Hypothecated
Property.

(b) As regards the Letter of Credit facility, the Borrower hereby agrees to comply with all the rules/practices of the
Bank with regard to the Letter of Credit facility and also the guidelines of Reserve Bank of India and FEDAI with
regard to payment of interest, commission charges, etc. Borrower also agrees to comply with necessary
formalities such as Import License, necessary permissions as required by Foreign Exchange Management Act etc.
and that the Borrower shall execute necessary documents required by the Bank for opening Letter of Credits in
each individual case

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 8
 Certificate Number: IN-UP58681987206918Y

(c) As regards Bill Purchase/Bill Discounting facility (Inland/foreign), the Borrower agrees to abide by the
rules/practices of the Bank in this regard and also agrees to execute necessary documents required for the
purpose of the said advance.

(d) As regards the Term Loan/Working Capital Term Loan facility, it is hereby agreed that the Borrower shall
execute separate Loan Agreement or any other document as may be stipulated by the Bank, notwithstanding
creation of charge over the goods/Machinery/plant/implements, if any purchased out of such Term Loan being
covered by these Presents.

24. In the event of default as specified in Clause 11 above, the Bank shall without prejudice to other rights available to
the Bank shall also at its discretion in exercise of its right of set off appropriate any deposits standing to the credit of
the Borrower either singly or jointly towards the dues of the Bank in respect of the Credit Facilities under this Deed.
The Bank shall also have a right of general lien on any of the securities in the custody of the Bank other than those
available under this Deed and those items in safe custody standing in the name of the Borrower.

25. Delay in exercising or omission to exercise any right, power or remedy accruing to the Bank or its
representatives/agents, upon any default under this Deed shall not impair any of the Bank’s rights/remedies/powers
nor shall be construed to be a waiver thereof or any acquiescence in such default nor shall the action or inaction of
the Bank in respect of any default, affect or impair any right/power or remedy of the Bank in respect of any other
default.

26. It is hereby further agreed by the Borrower that the sanctioning letter/s issued by the Bank sanctioning the Credit
Facilities shall always be deemed to form part of this Deed and be deemed to be incorporated herein provided in the
event of any conflict between such sanction letter/s and these presents the provision contained in this Deed shall
prevail and take precedence.

27. The Borrower further agrees that if the advance 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 such payment/debit shall not reduce the liability of the Borrower under these Presents.

28. The Borrower hereby further agrees that in case the Borrower commits default in the repayment of the credit
facilities in the repayment of interest thereon on due date/s, the Bank and/of 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.
The Bank may as well provide information about the advances to Reserve Bank of India, enforcement Directorate,
Export Credit Guarantee Corporation or any other Statutory Authorities as may be deemed necessary.

29. Any notice or demand to be given or made to Borrower shall be deemed to have been duly given or made if
addressed to the Borrower or any of the individuals constituting the Borrower personally or may be left at the last
known place of business or residence of the Borrower or may be sent by post to the Borrower or

30. any of such individuals as aforesaid and if sent by post such notice shall be deemed to have been given at the time
when it would be delivered in due course of post and in proving such notice when given by post it shall be sufficient
to prove the envelope containing the notice so posted and a certificate signed by the Bank's Manager or agent that
the envelope was so posted shall be conclusive.

32. 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

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 9
 Certificate Number: IN-UP58681987206918Y

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.

33. 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.

34. 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]

35. 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.

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 10
 Certificate Number: IN-UP58681987206918Y

THE SCHEDULE ABOVE REFERRED TO

SCHEDULE I

DESCRIPTION OF BORROWER
Photograph with
Sr Full Name and PAN Mobile No & Email Present/Communic Permanent /Regd. Office
signature across (for
No / CIN ID ation Address Address (if applicable)
individuals)
231 GRAM-SAIDPUR
231 GRAM-SAIDPUR POST-ARAJI
POST-ARAJI AMANI
1 RAJESH YADAV 8726601414 AMANI AZAMGARH UTTAR
AZAMGARH UTTAR
PRADESH 276139
PRADESH 276139

SCHEDULE II

Nature of facility Limit (Rupees) Rate of Interest Margin of Security

Working Capital
160000.0 9.75
Demand Loan

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 11
 Certificate Number: IN-UP58681987206918Y

SCHEDULE III
II. (A) All tangible movable machineries, plant , machinery fixtures, fittings, other installations, cranes, furniture,
computers & other accessories, vehicles together with spares, tools and accessories and all other articles lying
on the premises sagari saidpur , parsurampur, maharajganj , parsurampur, AZAMGARH, UTTAR PRADESH,
276137 or in the godowns of the Borrowers or in the custody of any person who are Mercantile Agents of the
Borrower or in the course of transit which may hereinafter be brought, stored or be lying in or upon the said
premises of the Borrower

(B) The whole of the Borrower's movable goods and assets, both present and future and including but without
prejudice to generality of the foregoing words, all stocks of raw materials, work-in-progress, semi-finished goods
and finished goods such as X-X-X-X-X-X packing materials, consumable stores & spares etc. whatsoever and
wheresoever situate and/or in transit whether now belonging to or that may at any time during the continuance
of this security belong to the Borrower or that may be held by any party anywhere to the order and disposition
of the Borrower.

(C) All the present and future book-debts, outstanding, monies receivable, claims, bills contracts, engagements and
securities which are now due and owing or which may at any time hereafter during the continuance of this
security become due and owing to the Borrower in the course of its business by any person, firm, company or
body corporate or by the Government of India or any State Government or Indian Railways or any Government
Department or Office or any Municipal or Local or Public or Semi-Government body or authority whatsoever
including those relating to the assets leased out and/or given on hire purchase basis.

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

SIGNED AND DELIVERED BY

RAJESH YADAV

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 12
 Certificate Number: IN-UP58681987206918Y

IN WITNESS WHEREOF the Borrower has hereunto put his hand and seal on the date and year first hereinabove
written.

SIGNED AND DELIVERED BY

RAJESH YADAV

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh

Page 13
 DEMAND PROMISSORY NOTE
EBLR LINKED

Place AZAMGARH
Date X-X-X-X-X-X

Rs. 160000

On demand, I / We RAJESH YADAV M/s rajesh yadav (jointly and severally)* promise to pay UNION BANK OF INDIA,
PARSURAMPUR Branch or order sum of Rupees 160000 together with interest on such sum at the rate of External
Benchmark Lending Rate (EBLR) comprising of RBI Repo Rate + Spread which is presently 8.0 % per annum plus Premium of
175 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."

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Union MUDRA

Annexure - II

UNDERTAKING
To,
The Union Bank of India, Place AZAMGARH
PARSURAMPUR Branch Date X-X-X-X-X-X

I/We am/are thankful to Union Bank of India for sanctioning me/us a working capital of Rs. 160000 (Rupees One Lakhs
Sixty Thousand Only (in words), repayable in ____________ months.

I/We understand that rate of interest of the Loan account is EBLR +1.75 % (spread) and the rate is subject to change, which
will result in change in final effective rate. Final rate of interest as on today is 9.75 which may increase or reduce till the
end of loan.

I/We understand that Equated Monthly Installment (EMI) of the Loan is Rs. ____________ ,which is fixed considering
present effective interest rate of 9.75 which may be changed (increase or decrease) due to change in EBLR rate till the end
of loan.

In view of above, I/We authorize Union Bank of India to increase or decrease the EMI as per applicable guidelines.

I/We undertake to pay the Union Bank of India as per the revised EMI in sync with the rate of interest (EBLR).
In case bank is not modifying (increasing or decreasing) the EMI due to change in Rate of Interest, I/We undertake to pay
at the end of Loan period along with the last EMI, the residual amount of loan with interest if any, which is payable to the
Union Bank of India due to increase in EBLR during the tenure of the loan.

Signed, sealed and delivered by the

within named BORROWER and GUARANTOR

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

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Letter of undertaking from Borrower(s)

The Branch Manager

Union Bank of India,
PARSURAMPUR Branch

Dear Sir,

My/Our Loan A/c No. ____________________ Dated X-X-X-X-X-X for Rs. 160000 .

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."

Signature Not Verified

Digitally signed by RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh
 Letter of Undertaking from Guarantor/s

The Branch Manager

Union Bank of India,
PARSURAMPUR Branch

Dear Sir,

Account No. .
Dated X-X-X-X-X-X For Rs. 160000.0 in the name of rajesh yadav .

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. rajesh yadav 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 AZAMGARH
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 RAJESH YADAV
Date: 2026.01.19 15:17:49 IST
Reason: Agreement Executed
Location: Uttar Pradesh