Ref: HR/Appt/ OL/121150
Date: 07-January-2026
Mr. Ayushman Sonkar
SH 9/126, Suddhipur
Shivpur
Tarna
Varanasi -221003
Uttar Pradesh
Emp Code: 314636
Sub: Your appointment in our organization as Relationship Executive in our office at Gurugram with effect
from 12-January-2026 join at time 09:30 AM
Dear Mr. Ayushman Sonkar,
With reference to your application for employment in our organization, the subsequent interviews our
executives had with you and also on the basis of information submitted by you, we are pleased to appoint
you in the position, location and from the date as mentioned above.
As your appointment is subject to performance & productivity and your consolidated (all-inclusive) salary is
as mentioned in the accompanying statement. (Refer Annexure-I).
The terms and conditions of your employment with us are appended to this letter, which you are required to
go through and understand. (Refer Annexure-II)
As a token of your accepting this appointment on the terms and conditions mentioned in the appendix and
on the salary mentioned in the accompanying statement (both signed by the undersigned), please return the
duplicate copy of this letter to our office after you sign it.
Yours faithfully,
For Calibehr Business Support Services Pvt. Ltd.
Israr Siddique
Vice President - Operations
Annexure-I
Ref: HR/Appt/ OL/121150/24 dated 07-January-2026
Components Monthly (INR) Annually (INR)
Basic 12,430 149,160
HRA 5,606 67,272
City Compensation Allowance 2,987 35,844
Bonus 1,036 12,432
Gross Total Earnings (A) 22,059 264,708
Employee PF 1,800 21,600
Employee LWF 34 408
MediclaimD 225 2,700
Total Deductions (B) 2,059 24,708
Net Salary (A-B) 20,000 240,000
Employer PF 1,950 23,400
Employer LWF 68 816
GPA 50 600
Total Benefits (C) 2,068 24,816
Total Cost to Company (A+C) 24,127 289,524
Bonus and Gratuity will be paid as per the law.
Annexure-II
Appendix to Appointment Letter: - HR/Appt/OL/ OL/121150/24
Date: 07-January-2026
Calibehr Business Support Services Pvt. Ltd.
Terms and Conditions of Employment
1. Your employment in our organisation shall be for a probationary period of 6 months from the date of your
joining our organisation, during which period your services are liable to be dispensed with, without any
notice and without assigning any reason. The management may, at its discretion, extend the period of
probation by intimating you of the same in writing.
2. Your appointment will be deemed to be confirmed on expiry of the probation period of 6 months or on
expiry of the extended probation period, whichever is later.
3. If you wish to discontinue your service during the probation period, you are required to submit your
resignation in writing 15 days in advance or on payment of 15 days salary in lieu of notice. Your dues will be
settled only after returning all the documents and properties of the company that are held by you, and after
obtaining clearance in writing from the head of your department.
4. After the expiry of the probation period, either side may terminate the service by giving the other, 30 days’
notice in writing or an amount of 30 days salary (last drawn, all inclusive, as mentioned in clause 1 above)be
paid in lieu thereof. Settlement of your dues will be subject to your returning all the documents and
properties of the company that are held by you as on the last date of your service with us, and after
obtaining clearance in writing from the head of your department.
5. On your joining to Calibehr, your background verification process will be initiated. If you fail to submit
experience certificate & relieving document, all education certificates, present & permanent address proof,
identity proof and bank proof within 7 to 10 days, Calibehr reserves the right to de-board you with
immediate effect.
6. There will be a onetime non-refundable deduction of Rs. 750/- as administrative cost from associate’s first
salary on your joining to Calibehr.
7. You are entitled for a monthly retention program wherein we will be deducting 500/- per month for a
period of 6 months from your date of joining. If you continue working with us for a period of more than 6
months, in addition to the amount retained we will pay excess 500/- to the associate on 7th month. If you
fail to work for more than 6 months and leave the organization prior to completion of 6th months from your
date of joining, said charges/ deduction will be forfeited.
8. Calibehr might allot EKYC device to you for which an amount of Rs.3525/- will be deducted from your first
salary. You will not be liable to return the EKYC device at the time of leaving the organization.
9. You shall faithfully, diligently and to the best of your ability perform all the legitimate duties that may be
entrusted to you by the Management or your superiors from time to time and you shall observe discipline,
decorum and discretion while doing anything pertaining to the duties. Your job with us shall be full and as
such you shall not engage yourself in any trade, business or employment during your working hours as
assigned by the company at its discretion, as permitted by law.
10. Please note that increments in salary and promotions are not automatic. The quantum and timing of
increments and / or promotions shall be based, among other things, on merit and evaluation of your overall
performance by the management of the company. The company reserves the right to deny, withhold or
defer increments in case of unsatisfactory performance, as assessed by the management.
11. In the event of you being late on duty due to whatever reason, you are liable to be turned away from the
place of your work and treat you as absent from duty.
12. In case you are not found in the place of your duty after reporting for work or otherwise fail to perform your
part of the terms of employment as given herein, the management, without prejudice to its other rights,
will be entitled to deduct your salary for the duration of your absence from the place of your work and / or
for the duration of non-performance the terms of employment, for the whole day or part of the day, as the
case may be.
13. While in the service of the company, it is explicitly and unambiguously understood that you will be
transferred and posted to any of the existing or future branch offices or any other place of business
interests of this company in any part of India or abroad, shifted from one job or department to another, or
from one work shift to another, provided it does not involve any reduction in your total emoluments or
remuneration.
14. You shall be entitled to leave and other benefits according to the rules applicable to the employees of our
establishment.
15. You are liable to be superannuated or retired on reaching the age of 58 years as per the existing rules.
16. You will be given weekly off on any day, not necessarily on Sunday, depending on the company’s
requirements.
17. When eligible, you shall be entitled to the statutory benefits under the provisions of The Employees
Provident Fund and Family Pension Fund Act - 1952 as amended from time to time and the schemes there
under, The Employees State Insurance Act - 1948 as amended from time to time and the rules and
regulations there under, The Payment of Bonus Act - 1955 and The Payment of Gratuity Act – 1972.
18. You will, from time to time, be allotted duty hours at the discretion and convenience of the management,
including shifts and split shift system, in accordance with the provisions of law.
19. Absence for a continuous period of three days without prior approval of your superior, (including overstay
of leave / training), would be treated as abandonment of service. As a process the company may serve you
notice on the 8th day from absence in the form of registered letter at your last known address calling upon
you to report for duty within 4 days from the date of issue of the letter. Unless you report for work within
the stipulated time as mentioned above or you fail to give a satisfactory explanation for your failure to
report on duty, you shall be deemed to have voluntarily left our service and your services shall stand
terminated from the date of commencement of absence as mentioned above. Please note that for this
purpose, sending you a registered letter as mentioned above will be construed as serving the notice as
above, irrespective of your not receiving it due to any reason whatsoever, and the date of your failure to
report on duty will be taken as the date of return of the undelivered registered letter to the company.
Hence, it is essential that you keep the company adequately informed of the changes in your correct and
traceable residential address. The final letter of abandonment of services would be issued on the 12th day
from the absence.
20. Your continuance in service with the company is subject to your remaining, physically and mentally fit. You
will submit yourself to medical examination as per the direction of management, if required to do so.
21. The management shall be at liberty to require you to subject yourself to medical examination at any time,
at its cost, by any registered medical practitioner of its choice.
22. In case you refuse to accept any communication, the content of the same shall be read over and explained
to you verbally in the presence of two witnesses and contents of the said communication will be binding
upon you.
23. If you are suspended pending enquiry into any act of misconduct reported to have been committed by you,
you will not be entitled to any salary or any compensation in lieu thereof, during such suspension.
24. The company shall be entitled to terminate your service without notice on any of the following grounds:
a. That you are declared insolvent
b. That you are convicted of a criminal offence by a competent court
c. That you are found guilty of committing breach of any of the conditions of employment or rules and
regulations of the company, issued / amended from time to time
d. That you participated in any strike which is illegal or deemed to be illegal
e. That you committed any act, which is incompatible with the due performance of express or
implied terms of your employment
f. That you have suppressed any information or given false information while applying for
employment in the prescribed form
g. That you committed an act of violence, fraud, financial irregularity, caused loss to the company or to
its property or misappropriated company’s funds or indulged in disorderly behavior whenever and
wherever committed
h. That you remained absent on medical grounds for a period of 90 days or more in a span of one year
either continuously or intermittently
i. The Company shall take all appropriate actions to recover the amount from the associates for any
financial loss that the company may suffer on account of above clauses.
24. If you are found guilty of misconduct you may be:
a. Warned
b. Fined
c. Suspended without wages by order in writing signed by Director or Manager, for a period not
exceeding ten days
d. Reverted to the lower grade
e. Denied normal annual increment
f. Discharged with one month’s notice or payment in lieu thereof.
g. Dismissed without notice
25. Any absence from duty without approved leave in writing may be treated as break in service.
26. You shall communicate to the management any change in your residential address, local and permanent.
The communication sent to you at your last known residential address shall be deemed to have been duly
served upon you.
27. When you leave the company due to your resignation or on your services with the company having been
terminated, you will take a formal relieving letter from the company. If you do not take a relieving letter
and leave, it will be presumed that even though your employment with the company remains terminated,
you have not settled your dues to the company and the company may proceed against you as such.
28. Any disputes arising out of this contract of employment will be subject to jurisdiction of Mumbai courts
only.
29. In case we fail to generate your Unique Account Number (UAN) on PF portal due to mismatch of your Aadhar
details, then we reserve the right to hold your compensation, salary etc. we shall have right to recover the
final damages, penalty, interest, claims, liabilities from your salary due to such delayed generation of UAN
and untimely compliance of payments to the government.
30. You are required to complete your documentation process including E KYC verification and UAN generation
within 7 days from the date of issue of this letter, failing which we reserve our right to hold/deduct your
salary in full or in part without prior intimation.
31. This offer/appointment letter issued to you for engagement of your services will be valid and subsisting
subject to existence of our Client Service Agreement. Your employment shall be co-existing and
co-terminus with the Master Services Agreement entered into with the Client.
32. The organization reserves the right to enroll or register you in any government beneficial program such as
NATS/NAPS or any other program by any nomenclature and you hereby give your free consent to the
organization and shall abide by the process and training in respect of the same.
33. Associates will receive payment only after successfully completing NHO training. The payment will be made
from the joining date rather than the date of completing NHO training. Furthermore, in the event of
unsuccessful training, neither Calibehr nor SBI Cards will be liable for any payments.
Signature of the applicant:
Date:
(Authorized Signatory)
Israr Siddique
Vice President - Operations
Date: 07-January-2026
SELF DECLARATION
I hereby declare that, I Mr. Ayushman Sonkar designated as Relationship Executive with Calibehr Business
Support Services Private Limited (SBI CARDS AND PAYMENT SERVICES LIMITED), is selected and deputed to work
for Company’s Client location Gurugram as an outsourced employee of Calibehr Business Support Services
Private Limited.
I hereby confirm and declare that, for this employment no sourcing fees is demanded by Calibehr Business
Support Services Private Limited and I further state that this employment is accepted by me with my free will
and personal interest.
I hereby Acknowledge and agree that, this Declaration is issued by me with my own accord and without
coercion, intimidation, guidance or undue pressure.
Thanking you,
Signature: …………………………………………..
Name of Employee: Mr. Ayushman Sonkar
Employee Code: 314636
Designation: Relationship Executive
NFTE Code of Conduct
1. This code will apply to all agents and their representatives involved in sales, marketing and distribution of
any financial / payment product of SBI CARDS AND PAYMENT SERVICES LIMITED.
2. The Agents, Sales Executives/Business Relationship Executive and Tele Marketing Executive working for the
Agencies must agree, in writing, to abide by this code prior to undertaking any direct sale or marketing
operation on behalf of SBI CARDS AND PAYMENT SERVICES LIMITED.
3. All agents and their representatives involved in sales, marketing and distribution of any financial
/ Payment product of SBI CARDS AND PAYMENT SERVICES LIMITED must mark their attendance in Force24
platform for all days which they have attended/come to office/work.
4. All agents and their representatives should always carry a valid ID card issued by their respective Agencies.
Such Employees should always be dressed in appropriate formal attire. Jeans / T-shirt and open sandals are
not allowed.
5. All agents and their representatives should refrain from using inappropriate and abusive language.
Intimidation or harassment of any kind, either verbal or physical is strictly prohibited.
6. All agents shall submit only valid & genuine bills / vouchers (in original, where required) for any claim for
reimbursement.
7. Unless specifically permitted, mobile phones are not allowed inside the office premises. The mobile
phones should be on silent mode & locked in duly assigned drawers/inside the bag during working hours
(except-breaks).
8. No agent should use mobile phones for making any sales related calls unless specifically authorized.
9. 100% National Do Not Call Registry check must be done on all data called upon by agents.
10. The lead generation sales call should be made from +140 numbers only.
11. The calling data sheets must be given back to authorized persons every day, post completion of the
Tele-calling process on those sheets.
12. Back Check/Common Call must be done for all applications processed as per approved script.
13. No Agent or Data Operator or sales team member to hold any application or customer documents post
collection of the same. No applications should be withheld during month end and all the applications
should be submitted for onwards processing within designated time.
14. No documents from the customers are to be taken by any agent without customer consent and duly signed
and verified. Agents must keep all the customer and company related information strictly confidential. No
agent or Data Operator or sales team member record, store document or any customer or company data
with him and shall not make copies of or otherwise transfer / email such information to any third party or
his / her own personal ID. Any breach of confidentially of the Customer or company information, may lead
to strict action against the concerned agent and the Agency.
15. No agent shall hold or maintain applications of other banks, unauthorized data, bank stamps, letterheads
etc.
16. No Agent or Data Operator or sales team member should fudge or tamper any application form, documents,
photographs etc. provided by the customers.
17. No Agent or Data Operator or sales team should fudge or tamper any bill.
18. There should be no mismatch in the information in the application form as compared with documents
provided by the customer.
19. All Agent or Data Operator or sales team member should provide information and documents submitted by
customer only.
20. No Agent or Data Operator or sales team member to misuse/unauthorized use of partner's data,
infrastructure or system at any time.
21. There should be No misreporting of numbers/dispatch figures/incentive or any other relevant information.
22. There should be no condoning of deliberate acts of miss-selling or miss-communication by any Agent or
Data Operator or sales team member during any month. Any such act should be immediately reported to
the concerned authorities.
23. Only those prospects should be contacted who have has expressed their desire to acquire a SBI CARDS AND
PAYMENT SERVICES LIMITED product through different modes like website, reference, call center, branch
etc.
24. Agents must help prospect understand SBI CARDS AND PAYMENT SERVICES LIMITED products, services,
documents requirements and terms and conditions in a simple manner.
25. Customer must normally be contacted between 10 a.m. – 7 p.m. Avoid calls at a time or at a particular place
if requested by the customer.
26. During the call to the Customer agents to identify themselves as only agents of SBI CARDS AND PAYMENT
SERVICES LIMITED while interacting with the customers and state reason of their call.
27. Do not discuss the product and offer other than the prospective customer or person authorized by the
customer on his behalf.
28. Do not mislead the prospective customer on any service /product offered, business or organization’s name,
or falsely represent yourself. Don’t make any false /unauthorized commitment of behalf of SBI CARDS AND
PAYMENT SERVICES LIMITED for any facility/service.
29. No Agent or Data Operator or sales team member should accept or offer any gift(s)/ bribe in cash or kind or
any other means to or from prospect to gain favor.
30. Always respect Customer privacy;
31. Do not enter the prospect's residence/office against his/her wishes.
32. Provide your telephone number, supervisor's name or the concerned SBI CARDS AND PAYMENT SERVICES
LIMITED officer's contact details, if asked for by the customer.
33. Any communication sent to the prospect shall be only in the mode and format approved by SBI CARDS AND
PAYMENT SERVICES LIMITED.
34. OTP or mobile App code must be taken only from customers while application sourcing.
35. Under no circumstances agent can use his own phone number or that of a family member/colleague for
completing the QDE process. Any such issue if reported shall be treated as a serious breach and necessary
consequence management shall be invoked.
36. Agents will never use the name of SBI CARDS AND PAYMENT SERVICES LIMITED or SBI CARDS AND PAYMENT
SERVICES LIMITED (May be used the name / brand of PSA vendor / partner’s client) in any capacity on any
media or platform and for addressing grievances will write only to respective employer HR or grievance
redressal authorities not to the SBI CARDS AND PAYMENT SERVICES LIMITED or SBI CARDS AND PAYMENT
SERVICES LIMITED (PSA vendor / partner’s client) officials at any level.
37. It is mandatory to handover any device / assets or company belongings back to the local authorities
available at Centre or Locations
38. In case of rehire, agent must use newly issued ID card not the previously given and not surrendered at the
time of separation
39. All employees of the Agency shall at all times must abide by highest standards of integrity and ethics while
applying for, using and closure of any Client’s payment/financial product (including Credit Cards)
irrespective of the capacity in which they hold such product. All information and documents etc. submitted
or shared for availing such products shall be accurate and devoid of any errors, inaccuracy, fabrication or
misrepresentation. In the event any such misconduct is detected, then necessary action as per applicable
law, code of conduct shall be undertaken.
The Code of Conduct declaration of to be undertaken from the NFTEs
I Mr. Ayushman Sonkar resident of Gurugram undertake and confirm that I am aware that my employer,
Calibehr Business Support Services [Link]. has entered into an Agreement with (SBI Card). I fully understand
that this Agreement imposes certain obligations on the personnel. I agree voluntarily to provide this
undertaking to ensure my understanding and compliance with these obligations.
1. I understand that I may have access to certain data and documents that may contain confidential information
(“Confidential Information”) of SBI Card, Confidential Information includes, but is not limited to any
information relating to organizational structure, customer information / data, personnel data, marketing
philosophy and objectives, project plans, business initiatives, systems, designs , processes, product features,
financial results, and materials related to same, technology, customer lists, product development, advertising
or sales programs of SBI Card and any other information which would give SBI Card an opportunity to obtain an
advantage over their competitors or which SBI Card is ethically obliged to protect from unauthorized sources.
None of such Confidential Information shall be deemed to be in the public domain.
To enable SBICPSL to protect its confidential information, I agree to safeguard all confidential Information and
not to reveal, transfer or otherwise disclose Confidential Information to any third party. I will not discuss the
confidential information at any public place.
Upon termination of my employment with the employer or otherwise upon my disengagement from the
performance of services for SBICPSL, I agree to destroy or return promptly all Confidential Information to
SBICPSL including all copies thereof in whatever form, including electronic form.
2. I shall perform my services to the best of my abilities in a bona fide manner and shall exercise due diligence
and utmost care, in respect thereof. I will be bound by all the rules, regulations, and policies of SBI Card as
promulgated from time in relation to my conduct of the services.
3. I understand, acknowledge and agree that if I threaten to or actually breach or fail to observe any of the
obligations set forth in this undertaking then:
a) SBI Card will be subject to irreparable harm and I therefore agree that SBI Card shall be entitled to injunctive
relief, damages and/or any other remedies permitted under law, to ensure and enforce my compliance with
these obligations provided, however, that no specification herein of any particular legal or equitable remedy
shall be constructed as a waiver, prohibition or limitation of any other legal or equitable remedies.
b) My services can be terminated and/or such disciplinary action and/or such legal action taken against me as
they may deem fit.
4. I further agree and understand as below:
a. General:
i. I have/shall have a thorough and clear understanding of its key responsibility areas and any business specific
requirements, including the agreed SLAs and the service requirements.
ii. I shall complete all trainings, induction program and orientation sessions that SBI Card or my employer may
conduct in relation to the services to be performed by the NFTEs.
iii. As per the business requirements given to me, I shall identify myself as a contractor / agent of SBI Card while
interacting with any customer or any other SBI Card stakeholder.
Format of the Code of Conduct declaration of to be undertaken from the NFTEs
iv. I shall carry a valid Identity card issued by my employer.
v. I shall not use any inappropriate and abusive language.
vi. I shall adhere to all applicable policies and processes of SBI Card, while performing their duties.
vii. I shall take good care of the physical assets / resources provided by SBI Card, including Desktops, laptops,
and mobile phones.
viii. I shall ensure strict confidentiality of any or all confidential and proprietary information / documents / data
of SBI Card (please refer to the section C below for more detailed responsibilities of the NFTEs in this regard).
ix. I shall adhere to an appropriate dress code.
x. I shall take due care of the SBI Card property and ensure that no damage is caused to such property.
Name of the NFTE: Mr. Ayushman Sonkar
Function: Open Market
Date: 07-January-2026
Signature: