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REF.NO:C AD/C FIA

DCB BANK
M/s. Kolkata Heights pvt Ltd.
9A,Lord Sinha Road,
Kolkata-700071

Kind Attention: Mr. Mahesh Kumar Sharma & Mr. I\dukesh Kumar Sharma
Dear Sir/s,

Sub: Sanction cf Construction Finance Loan of Rs 12.00 Crores +2.40 C rores contingency limit for your project
"Utopia"

With reference to your application for financial assistance, DCB Eank Ltd is pleased to sanction construction finance
loan of Rs Rs 12'00 Crores +2.40 Crores contingerrcy limit in favor of M/s.Kolkata Heights pvt Ltd. (hereinafter
refened to as borower) for your project " Utopia" situated at pREMtsEs No 7G1, MADURDAHA, MouzA
- -
MADURDAHA, CS DAG NO - 448, 450, RS DAG NO - 455, 457, RS KH NO - 189, 46, JL NO- 12, TOUZI NO
- 2998,
P.5 - TIUALA (NOW ANANDAPUR), KOLKATA - 7OO 107 underthe following major terms and conditions:

Loan limit Limit Rs 14.40 Crores

onstruction Finance Loan Rs. 12 Crores (Rs. Twelve Crores) +
n Limit- Rs. 2.4 Ctorcs Rs. Twc Crore and lakhs
B Lilargin/Promoters 48% to project cost.
Coirtribution
B Repayment of Loan [fenor: 48 Months from the date of 1st disbursal. ln the initial24 months recovery by
Way of 20% cut back from each creCit recelved in the account. Balance to be repaid
in 24 equal monthly installments.

Any inflow over and above the projections during and post completion would be
used to reduce the loan & also all inflow over and above the cash flow projections
provided to bank at the time of sanction \l,culd be used to reduce the loan.

Processing fees 1.00 % on the loan amount; plus service tax etc. as applicable
D Rate of lnterest* Floating

Applicable Rate of 14.00 o/o p.a., ( lnterest will be charged at monthly rests )
lnterest
Three month
Applicable MCLR Please visit our vr'ebsite www.dcbbank.ccm to know about MCLR

E Additional interest Additional interest @ 24 p.a. payable in advance at monthly rests (on 1st. ofor every
month)will be charged on the overdue amc:int of PEMI/ EMl.

ln case of occurrence of Events of Default, DCB bank may at its sole discretion
charge interest on the entire principal loan balance @ 24 p.a. payable in advance at
monthly rests.
E Primary Security Exclusive charge by way of registered/esrritable Mortgage ol the Project land of
"Utopia" situated at PREMISES NO - 761, I',4ADURDAHA, MOUZA -
MADURDAHA, CS DAG NO - 448, 450, iIS DAG NO - 455, 457, RS KH NO _ 189,
46, JL NO- 12, TOUZI NO - 2998, P.S - TIUALA (NOW ANANDAPUR), KOLKATA -
700 107

Exclusive drarge by way of hypoti)ecation cn ute present and future receivabies arising

a
\ \1 t x(/,^\ out of sale/Booking/alienation of units of tne project "Utopia" for the share of
borrower.
a')

Ch tt bollateral NA

DCB Bank Llmhed

& Registered Otfice: 6$ Floor, Tower A" peninsula
BuslnBs park Senapad gapd ftrarg, Lower pad, Mumbsl - 4mo j 3, MalErashtra
clN: L99s99MHl995PLco89oo8 Tet: +91 22 661g7om Fax: +9i 22 66589970 w6bsttE: w*lv.dcbbankco.n
 DCB BANK
D B B n

llateral

Guarantors 1. Mr. MAHESH KUMAR SHARMA

2. MT. MUKESH KUMAR SHARMA
3. MT. DEEPAK AGARWAL
4. Mr. RAKHI ROY
5. Mr. VIVEK JHUNJHUNWALA
6. Mr. UMANG AGARWAL
7. Mr. SUJATA CHOWDHURY
8. Mr. AMIT KUMAR SHARMA
9. Mr. MANISH KUMAR SHARMA
10. Mr. ATOSH DAS

I Corporate Guarantee
rporate guarantee of all 30 companies who own the land on which the
oject is coming along with the guarantors mentioned in point 'H'.
he list of 30 companies are given in Annexure 1'

J Disbursement fter execution of loan documents, disbursement will be made as s pecified in

isbursement Schedule in Annexure ll and cash flow.

isbursement will be made as per stages of construction subject to

isfactory technical 'compliance. The Facility will be disbursed in multiple
nches in accordance with the funding requirements of Project. Disbursement
ill be in line with estimated cash flows and in proportion to progress of projects
n terms of advance to contractors and other approvals available.

K Repayment Minimum selling, value to beachieved per Sft for eadlflat mortgaged with bank
will be Rs. 2900i- per sft.

lf for any reason, the sale is below the stipulated rate, the borrower will arrange
to prepay the loan for the differential arnount.
L Event of Default rcB Bank 1ts. will have the right to recall all or part of the loan in case the
schedule of construction and sales is not adhered to as mentioned in the
application submitted to bank.

However, in the event, sales schedule as stipulated are not adhered to by

the firm resulting into event of default being triggered, DCB Eank
reserves its rights to enforce its security on such number of units by way of
"SALE" or "AUCTION", as deemed flt. Borrower shall not raise any objections
for the same
4o/o ol the loan or Prepaid amount + Service Tax. Prepayment penalty
M Prepayment Charges Will not be payable in case the prepayment is from surplus cash flow generated
from the project.

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DCB B.nk Umlt d

Corpo(ab & Ftogistsed Offfca: 6' Flod, Towq A Peohsula B|lsll€ss PErk Sonapd Eapqt Msg, l-ows Par€|, Mur$d - /l(m13, lilarl48shra
CIN: L999g9MH1995PLC0B9008 T€l: +91 22 6618700 Fax +91 22 66589970 Wobsna: www.dcbbankcorn
 DCB BANK
.The interest rate would be DcB Bank 3 months MCLR + spread as mentioned in sanction letter. The same
will be subject to change as per changes in the DCB Bank 1 year MCLR.

DCB Bank 3 months MCLR shall be decided by DCB Bank and may change from time to time. This
information will be made available on DCB Bank's website www.dcbbank.com.

The rate of interest will be linked to the DCB Bank 3 months MCLR and is subject to change in 3 months
MCLR from time to time. The reset of loans linked to 3 months MCLR will be done in a quarterly on dates
specified on DCB Bank website www.dcbbank.com from time to time.

DCB Bank reserves the right to change the rate of intercst inter alia in case of any of the following

a delay in repayment,
b delay in regularisation of over limit,
c return of cheques (outward/inward),
d non-submission of stock statements,
e non-submission of documents requested by the Bank,
0 delay in submission of documents for renewal of facilities,
s) devolvement of Letter of Credit,
h) invocation of Bank Guarantee,
i) credit deterioration in another loan with the Bank,
i) credit deterioration reported by another bank,
k) name appearing in negative list / defaulter list of RBl, EcGc, etc.,
r) inaccuracies in documents submifted to the Bank,
m) routing of transactions to another bank account without the Bank's prior
approvar,
n) reduction in sales turnover,
o) any regulatory changes affecting the industry, and
p) Any other matter that is likely to affect the repayment capacity, timeliness,
etc.

s NNK I
o CAD rn

corpo'de & B€qknssd

*r*"ff"*llr.ffry1o*
o'fice: 6' Floor, Towr A
,*, .ortrs parsr, Munbai - i**ig, Maharastrra
tEiiicin-I"ri,
oN: Leesoe*Hleesprcoasooi rd, *gJ
zz 6658e970 W€b6ite: www.dcbbenkco.n
 DCB BANK
o. Other terms and conditions

a.ourlien/fundingtobeintimatedtotheprospective.customeftiandcommunicationtobesentto
airectly to our designated account'
the owneF of flats already iilil[piv'ments
".ti;;;;i ,.Preferred Finance Partner,., whereby we may
b, The borrowers shall agree to give US status of the
consider Housing Loans to eligible individual house purchasers'

c'AllHoardings/brochures/pamphlets/SaleAgreementoftheprojectwilldisgl?:e.!j':^TmeofDCB
put up a board at the worksite
Bank Ltd as the lender to *no-inl, pr,ipett, is mortgiged. The company will
provide NoC /
Jiiprrving in"t'rn!s project s npiroGJlno rinancel uiy ocB.aank Ltd' and that they will
peimilsi6ns ot DCB Bank Ltd for sale of flats / property if required'

d. The borrower will append the information relating to the mortgage while publishing advertisements of
the project in newspapers/ magazines etc.

e. ln the event of non-compliance of Legal Scrutiny Report (LSR) and Technical Scrutiny Report (TSR),
fees if any paid to DCB bank shall not be refunded.

f. The Loan will be utilized for the purpose it is granted and shall not be utilized for any other purpose or
for capital markets activities or any speculative purposes. An undertaking to this effect is to be given.

g. lnterest shall be charged from the date of first disbursement. The repayment will be in 24 monthly
installments commencing after 24' month from the date of first disbursement. The interest is payable on the 1- of
every month from the date of first disbursement including the rnitial moratorium period of 24 months lf there is a
default in payment of lnterest or Principal for 2 consecutive months, it shall be construed as violation of the
terms of sanction and the entire loan may be recalled.

h. Standing lnstructions to the extent of installments/EMl covering the tenor of loan to be furnished

i. The borrower and guarantors undertake that in an event of default or nonpayment of loan, they
will have no objection in DCB Bank Ltd transferring property rights/title of plot /flats to third party on as-is-
where-is basis.

j. Unsecured loans from the friends and relatives of Proprietor/Partner/Director/Companies, if any as on

the date of the first{isbursement under the loan, will not be repaid without prior permission of DCB Bank Ltd.

k. NOC from DCB Bank Ltd to be obtained for any loans to be raised for this project, in future, till such
time our dues are outstanding. The borrower will arrange to obtain an NOC in writing before raising any loans
for this project or permitting any charge to'be registered against the properties / flats/ bungalows/ units/ plots
mortgaged to DCB bank.

l. All the expenses in connection with execution of security documents shall have to be borne by the
borrower.

m This sanction may stand revoked and cancelled and shall be absolutely null and void if:
- Any material changes take place in the project for which this loan is sanctioned.
- lf it comes to the light that any material fact or other relevant aspect of the proposal was withheld,
suppressed concealed or not made known to DCB Eank Ltd.

n. DCB Bank Ltd reserves its right to review and revoke the balance / un-drawn proJect loan at the expiry
of 6 months from the date of sanction as per event of default.

o. The following details shall be submitted by the borrower at the periodically mentioned or whenever
demand ed by DCB Bank Ltd.
t( 1. Receipts & Payments Statement (Monthly)
\'._ 2. Details of the flats booked / sold by way of Agreement to Sale, Sale Deed, Registration of flats,
etc. during the month giving specific details of the flat and the payment terms. ( Quarterly)
cr,t I

3.P ress in construction work

Registered Offic€: 6" Floor, Tower A, peninsula Busin6s park, Sompati Bapst Marg, Low€. Par€|, Mumbal -
400013, Maha.ashtra
ctN: LgSSggMH1995PLC0890OB Tst: +91 22 66.lg7000 Fax: +g.t D 66589970 Website; www.dcbbankcorn
 DCB BANK
project the same shall
cost overrun/shortfall in fund for the
p The borrower shall ag ree that in case of anY promoters or loan arranged
be met by the borrower from fu rther equity
contribution / s ubordinate debt from the Bank Ltd
to DCB
project assets in a manner and to the satisfaction
by the pro moters without recou rse to the price negotiations or otheMise,
Savings on account of taxes,
Similarly in event of reduction of Project due to
rata reduction in all components of mea ns of Finance
there would be Pro

q,Anappropriateloandocumentcoveringalltheaboveconditionsandanyotheradditionalpointsthat
mav be reouired as Der DcB o".r Lli. itiit 6e executeo by the borrower, who will also execute our
otnLr .""riity oo"uments as forwarded ""rr.
by DCB bank Ltd

t Half CA,/Self Certified with followin d etails to be submitted.

Particulars
Nos Sale Value
Flats booked at the beginning of the half year

Flats booked during the half Year

Average rate at which sold

Total flats sold till date

I
___1
Total Value

Demand raised

Collection received --l

Balance to be received

s. Based on satisfactory verification of sales, receivables and construction expenses details of the prolect
"Utopia" by DCB officials or designated agencies of DCB (Not older than 3 months) disbursals will be made.

t. DCB Bank Ltd. shall have the right to inspect the books of account of the borrower at any time

u. DCB BANK LTD would have a Lien on all yet to be booked Units in Project. ln case Developer wants to
sell the unit to any prospective purchaser, they shall obtain an NOC from DCB BANK LTD to this effect.

v. Till such time DCB bank's loan is fully repaid, the borrower, without prior written permission of DCB
bank shall undertake not to:
- Effect any change the managemenu capital structure/Shareholding patlern of the bonower
entity of this project for
-Formulate any scheme of merger /acquisition /amalgamation / reconstitution
-Undertake guarantee obligation on behalf of any other company, firm or person for this project
-Declare dividends for any year, if there is default in repayment obligation of the Borrower.
However, dividends may be declared without prior written permission of DCB bank out of
profits related to that year after paying all DCB bank's dues and making provisions as required
for that year.
- Create any further charge, lien or encumbrance over the assets and properties charged to
DCB bank, in favor of Bank, financial institution, company, firm or person
- lnvest / deposit / lend funds to group / family members and relatives / other corporate bodies /
firms / persons.
- Undertakes any transaction within the groupkelated parties/companies which are no of
accommodative nature.
i'.N - Not to embark upon any expansion / diversification / restructuring /alliance /mergers/
o \ ,-r, acquisitions without prior permission in writing from us.
o
DCB Bank Llmtt€d
& Feghter€d Ofllco: 6" Floor, Tow€. A, p€flinsula Bdn€€s Part Senapaff
L99g99MH1 995PLCO890OB T€l: +91 22 66187000 Fax +91 22 65589970 W€b6ite:
{
Bapst Mary, Lot Palst, Mumbai - /Om13, Mah8lBhta
www.dcbbank.co.n
 DCB BANK
pending against them on account of excise default
lndemnifv that no case /proceedings are
il"d";;tHili: i;i"r" il"i"ti"". i.o eiihanse-contror Resulations Also that the
and their
i*iiomp"nvltt'eir sister or associate/-i-o'noigroup/f;mily conce-rns
rpf,"", on nal's list.of defaulters and EcGC's caution
Directors/partnerslproprietor etc.
such pro"""o"ig- i;in'til[J uy of such departments' information will be
list. Further, if any'BANK at a
pi"riOti t" OCA "ny
LTD i.r""Oiit"ty tn caie this information is found to be incorrect
LTD is fully
i;;;;tr"" or non-reporting of any subsequent proceedings' DCB BANK
ure criminil actio;/other suitable proceedings against the borrower'
"rnpo*"i"Jto performance-annually'
The Borrower undertakes to notify us of impacts on its financial position/
its financial
The firm/company will keep us iniormed of any circumstances adversely affecting
on.

Other S lConditions

1. All approvals required to be in place before disbursement

2. Rs 12 Crs will be disbursed in stages based on level of construction and expenses incurred and Rs 2.4
Crs will be disbursed for meeting any contingency at the sole discretion of the Bank.
The Contingency limit would be Offered at the specific approval of Head Credit only and could be
contingent on the stretch in receivables, inventory and as a line to meet short/Medium term
exigencies/expenses.
3. Latest cA certificate confirming promoter contribution infused in this project

4. Latest CA Certificate confirming Net worth of guarantor as on Mar 2017

5. Borrower to open No debit account with us & all the receivable from this project should be routed
through us, No other account with any other Bank for this project. Existing account to be closed
withan 30 days from the date of first disbursal, whichever is earlier.

5. Existing flat buyers will be intimated to deposit their dues henceforth to our account and further
booking agreements will have our Bank account as designated account.

7. All the agreements should have our DCB Bank account number for remitting their dues by the flat
owners.

8. An affidavit cum undertaking must be obtained from the applicant that they will stick to the approved
plan for construction and will take prior approval from DCB Bank in case of any deviation.

9. Disbursement subject to satisfactory review of booking and collection made till date.

10. Undertaking to the effect that the entire project collection/progressive receipts from the customer
will be deposited in the DCB Bank A,,/c and no funds will be diverted for any other project.

t t:

) Cr.D
I

/
Ll }T

ccpo'ae & Resbre€d orfics: 6- Floo., row€rA"

:1"g"^ffir$lliffi*
crN: r-99ge9MH1995pLCO890o8 Td: +91 * u*, Low{ Munbal ,m13, p8rat,
z eorezooo irriigl 66589970 WeErrle: wyrw.dcbb.nkco.n
22
_ M8h8.Eshtra
 DCB BANK
monitori ng on the following
um 85% with continuou s monthlY
11, Collection efficiencY s hould be minim
key items

Projected Actuals
Parameter
(in Crs)

Promote/s contribution
Units booked

Cash lnflow from booked unit

Stage of construction

Construction Expenses
cash capturing in DCB Bank account

Any other account with any other Bank for this

project?

Any delay in pro.ject

Letter to the owners of the booked units

Site Visit :
RM visiting the site
Gist of discussion

Booking cancellation, if any and % of cancellations

12. Unsecured loan if any cannot be withdrawn during loan period and repayment of loan will commence
only after our loan is fully paid.

13. Booking cancellation exceeding 10% will require approval from Head Credit-Construction Finance and
gap in cash flow to be met by the promoter.

14. Minimum Security Cover of 2.00 times on the outstanding loan amount to be maintained during the
tenure of the loan facility.

15. Minimum 20 Yo cul back on receipts to be adjusted against loan outstanding and interest to be repaid
separately

15. Any inflows over and above projection to be used to reduce our exposure or taken to separate DSRA
account,

17. The withdrawal in the accounts are to be done only for construction cost of the project and should
not be used for any repayment to promoters / relatives.

ln case of any shortfall in inflow, promoters shall make good the difference
18. The borrower should not pay any consideration by way of commission, brokerage, and fees or rn any
other form to guarantors directly or indirectly.
l 19. DCB BANK LTD will have the right to examine at all times the borrower's books of accounts and to
q. have the borrowe/s work site/uniuoffice inspected from time to time by its office(s). The cost of such
inspections will be borne by the borrower.
20. M/s- Kolkata Heights Pvt Ltd to provide copy of sale deed/s executed for sale of flats prior applying for
o s1'.'.' NoC from DCB BANK LTD for the O$SHrJX,:f;$structed by M/s. Kolkata Heights Pvt Ltd.
UT e Regin€'€d ofllc8: 6' Floo{, T(xxer Ai P€oinsuh Busln6s Park senapat Bspat
MsIg, towq p8rd, Murbaj - 4{Dolg, Mahsrsshtra
crN: r.99999MH1995pLC089008 Tel: +91 22 66187000 Fax: +91 22 6d5S9970
wobsito: wvw.dcbbankcorn
 DCB BANK
21 TheBorrowertopublishinalltheirmarketingmaterial'thefactthattheProiecthasbeenfinancedby
for the Pioject would be subject to
DCB BANK LTD. The marretingiatJiai r.".,i' UV
in.'O"reloper
icrutiny by the DCB BANK LTD at any point of time'

22. Each disbursal request should be accompanied by

o the construction is in
ArchitecuEngineer certificate conflrming the stage of completion & that
Authority
compliance iith approved plan and neclssary approvals from Competent
o and are fully
CA certificate confirming that the amount incurred are towards construction cost
paid & are not reimUuise.enurepayment of monies to promoter /Group/Associates/related
parties.
.CA or Self certificate confirming the demand raised have been as per the agreements for sale
and the same has been collected or Rs. is in arrears'
23. DCB BANK LTD would have the statement valid-ated through its panel Valuer and the same would be
-
certified by the Valuer in his Project Technical report.
24. The Comfany /Firm /Borrower igrees for appointment of Valuers and Lawyer and or other agencies as
may be nlceisary for review and monitoring of Project on a specific period(initially before seeking first
disbursement and thereafter quarterly ) and agrees that expenditure to be incurred for availing services
from these agencies shall be borne by the Borrower. The Borrower will ensureiundertakes that the
issues raised by these agencies i.e. Lawyers and valuers, CA would be resolved by the Company to
the satisfaction of the Bank
25. The Company undertakes to obtain and maintain all necessary statutory and non-statutory
ls/clearances uired durin tm ementation and/or eration of the ect.

Post Disbursement Documents

I The borrower shall maintain appropriate books and records which should correctly reflect their financial
position and operations and it should submit to DCB BANK LTD at regular intervals such statements as
may be prescribed by DCB BANK LTD in terms of the RBI's instructions issued from time to time.

Please sign on the duplicate copy of this letter' as a token of your acceplance of lhe terms and condition of the
sanction and return to us the signed copy for our records. Please also arrange for the compliance of the required
formalities for documentation and disbursement. This sanction is valid for acceptance for a period of 1 (one)
month from the date of this lefter and sanctioned credit facility/ies should be availed within 3 (three) months from
the date of this lefter, where after it need to be revalidated or the Bank may, at its discretion, treat the sanction as
withdrawn.

Thanking You,
Yours faithfully,
t.l
For DCB Bank Ltd,

i r-r
I
t-

r^,,18
Authorised Signatories

(Accepted Terms & Conditions of your sanctron letter no CAD/CF/ANB/2017-18/99 Dated :10.10.2017)

For M/s. Kolkata Heights Pvt Ltd.

DCB Bank Umitod

Corporats & R€gbt€.€d Offcs: 6' Floor, Towg A P€nlr}3uh Busln€s parh S€napat Bapst Marg, Lowtr parol, Mumbd - /t{lq)13, Maharasnta
Authorize€ll}gffA€tuU1ggsPlcD8g@8 Tet +91 22 66187m F8,c +9'l 22 66589970 wobElre: w r.dcbbsrkqr
 DCB BANK
AND Guarantors
(Accepted Terms & Conditions of your sanction leter no CAD/CF/ANB/2017-18/99 Oatsd:10 10 2017)

FO. KOLMTA HEIGHTS (P) LTD. FoT KOLKATA HEIGHTS (P) LTD.

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 DCB BANK

DaiLIitS iP) LiD For LAXt!'ll TRl.DECCl.l (P) Lm. For MiLESTONE 0ISTRIBUIORS (P) LTO.
For NEPTUNE
Utr! h-l l*^ulalt Vu;'ltr1*- l-tw^aul,- ydln*1h*ut,'t"
I Director
' Direclor Dlrsctor

FOT NUTSiiELt I,IAiKEIING (P) LTD For Fl,Ri, ,-; .i l. : , . _. .

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tt^W*/* ,,4rtt^^r,a^ v4*k-ru.-
' Director
Direct:r

For ANJ (P)LTD t"*ryt''"'o' For CiTiLii.,i R (P) Lro.

ro,coue@l Director
PTI LID S
FoTAJAN
Direcbr Director
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Director
Director Oiredor
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Director

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For FINETR/I, iESAGENCTES {P) rrD.
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Director

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 DCB BANK
Annexure 1

SL NO CO NAME
1
A.JANTA D EALERS PVT. LTD
ANJANI PvT LTD
2
3 APURVA COMM OTRAD E PVT.LTD.
4 BRIGHTEX MERCHANTS PVT. LTD
5 CITILINE VYAP AAR PVT. LTD
6 COMPANION TRADERS PVI. LTD
7 COMPASS VINI MAY PVT, LTD

8 DIGNITY TRADERS PVT. LTD.

9 FINETRADE SALES AGENCIES PVT. LTD

10 FRONTRAD E VINTMAY PVT.LTD

11 GAII.IWELL SUPPLIERS PVT, LTD

12 GENTEX TRADING PVT,LTD

13 GENTEX CO PVT. LTD
14 GOODWILL VINIMAY PVT. LTD
15 GOODWIN SALES AGENCY PVT. LTD

16 INTEGRAL VINIMAY PVT, LTD

17 JETAGE VINIMAY PVT, LTD.

18 XUSUM AGENTS PVT. LTD,

19 LAXMI TRADECON PVT, LTD

20 MILESTONE DISTRIBUTORS PVT. LTD

21 NEPTUNE DEALERS PVT. LTD
22 NUTSHELL MARKETINC PVT. LTD
23 ORACLE COMMERCE PVT. LTD

24 PURBASHA MERCHANTS PVT. LTD

25 SOLIDEX VINIMAY PVT, LTD

26 SYMPHOI'{Y COMMODITIES P\/T, LTD
27 ULEKH SALES AGENCY PVT. LTD

28 LORDSINHA DEVELOPERS PRIVATE LIMITED

29 S N TOWERS PRIVATE LIMITED
30 NATURAT. TOWERS PRIVATE LIMITED

Annexure 3

Details of Project land & list of Flats to be mortgaged & receivables thereof hypothecated to DCB bank Ltd

Reoistered Mortqaoe of the followinq Propertv:

Project Land of 'Utopia ' situated at PREMISES NO - 761, MADURDAHA, MOUZA -MADURDAHA, CS DAc NO -
448, 450, RS DAG NO - 455, 457, RS KH NO - 189, 46, JL NO- 12, TOUZT NO - 2998, p.5 - TTUALA (NOW
ANANDAPUR), KOLKATA - 700 107. along with the developers share of unsold present & future construction
theleon.

\Y
:)
o
\
a Besbter€d orfico: 6' Ftoor, rows A p€nh*rff6i:ri#* Bapar M8rs, Lours pard, Murnb.l - 40oor3, Mahsrashra
crN: r..99099MH1995pL@a9oo8 T6r: +91 22 06187,o i*iidE-dsdgszo w6bsn€: www.dcbbenkcom
 DCB BANK
Exclusivechargebywayofhypothecationonthereceivablesfromtheproject.Utopia"alongwithpresentand
future unsold construction tnereon ii anJ including
but not limited to the following:

NAME OF PARTIES SALE CARPET sord/

Area Area Unsold
SR No Wing Floor FLAT No Type
7527 1744 Unsold
7 1A 1st 3 BHK

2nd 3 BHK 1527 It44 Unsold

2 1A
3 1A 3rd 3 BHK 1521 l!44 U nsold

4 1A 4th 3 BHK !521 Lt44 Unsold

A 3 BHK 1527 7744 Unsold

5 1A 5th
6 1A 6th 3 BHK Dinesh Mehta 1521 Ll44 Sold

7 1A 7th 3 BHK 1527 !144 U nsold

8 1A 1st B 3 BHK t562 7L74 Unsold

9 1A 2nd B 3 BHK 1562 7774 Unsold

10 1A 3rd B 3 BHK 7562 Ll14 Unsold

11 1A 4th I 3 BHK Dinesh Mehta 7562 7774 Sold

72 1A 5th B 3 BHK t562 !!74 Unsold

13 1A 6th B 3 BHK 1562 7174 Unsold

14 1A 7th B 3 BHK 1562 7774 U nsold

15 1A 1st c 3 BHK 1366 7027 Unsold

16 1A 2nd c 3 BHK 1366 7027 Unsold
77 1A 3rd c 3 BHK Lila Mukherjee 1366 1027 Sold

18 1A 4th c 3 BHK 1366 7027 Unsold

19 1A 5th c 3 BHK 1366 702t Unsold
20 1A 6th c 3 BHK 1366 L027 Unsold

27 1A 7th c 3 BHK Suresh Kumar Dalmia 1366 7027 Sold

22 1A 1st D 4 BHK 7927 7449 Unsold
1A 2nd D 4 BHK 7921 7449 Unsold
24 1A 3rd D 4 BHK 7927 1,449 Unsold
25 1A 4th D 4 BHK 7927 7449 Unsold
26 1A 5th D 4 BHK Pallan Realtors (P) Ltd 7927 7449 Sold
27 1A 6th D 4 BHK 7927 1449 U nso ld

28 1A 7th D 4 BHK t927 7449 Unsold

29 1B 1st A 3 BHK 1,521 tt44 Unsold
30 1B 2nd 3 BHK 7527 1744 Unsold
31 1B 3rd 3 BHK 752L 7744 Unsold
32 1B 4th A 3 BHK !527 1144 Unsold
33 1B 5th 3 BHK 1521 7744 Unsold
34 1B 6th A 3 BHK 1521 7744 Unsold
35 1B 7th A 3 BHK 1521 7144 Unsold
36 1B 8th A 3 BHK 7527 7744 Unsold
\37 1B 1st 3 BHK 7562 7774 Unsold
/i: '\o\ 3s 1B 2nd
B

B 3 BHX 1562 1714 Unsold

/..Y
I d:1
DCB A.nk LImIH
& R€gktor€d Otfc6: 6" Floor, TowsA PeniBula BlJsln€ss Pad( S€ns@ Bapat Marg, Lows ParBl, Mumbsl - 400013, MatEr8stlt'a
u CIN: LlrEg99MH1995PLC089o08 Tst +91 22 66187(m Fax +91 22 86589970 wsbsite: www.dcbbsrkcorn
 DCB BANK
1562 1174 Unsold
39 1B 3rd B 3 BHK
7562 7774 Unsold
40 1B 4th I 3 BHK
7562 7774 Unsold
47 1B 5th B 3 8HK
7562 1174 Unsold
42 1B 6th B 3 BHK

1B 7th B 3 BHK 1562 lLl4 LJ nsold

3 BHK 1562 7714 Unsold

44 18 8th B
1366 7027 Unsold
45 1B 1st c 3 BHK
1366 1027 Unsold
46 1B 2nd c 3 BHK
c 3 BHK 1366 L027 Unsold
47 18 3rd
4th c 3 BHK 1366 7027 Unsold
48 1B
c 3 BHK 1366 1027 Unsold
49 1B 5th
c 3 BHK 1366 1027 Unsold
50 1B 6th
7th c 3 BHK 1366 L027 Unsold
51 1B

52 1B 8th c 3 BHK 1366 7027 Unsold

53 1B 1st D 4 BHK 7927 7449 Unsold

54 1B 2nd D 4 BHK L927 t449 Unsold

55 1B 3rd D 4 BHK 1927 1449 Unsold

56 1B 4th D 4 BHK 1927 1449 Unsold

5th 4 BHK 7927 7449 Unsold

f-'*;t
57 1B D

58 1B 6th D 4 BHK 7927 Unsold

59 1B 7th D 4 BHK L927 I raag Llnsold

60 1B 8th D 4 BHK ,r.T-i'f-l unsold

67 ta--__l ;--] A 3 BHK 1s21 | i.L44 Unsold

62 2A ;-- A 3 BHK
'',,T,;l
I
1s21
Unsold

trl ffi
63 2A 3rd A 3 BHK 7744 Unsold
2A 4th A l3 BrK ,srft-14.-l Unsold
65 7521 t 1144Tu"-td
66 2A 5th r; BHK 1521 - 11441unsotd -
67 ffirgHx I rszr I iM Unsold

ffi
68

ffi
69
f;T
I rssz I
,,o
.'ril
Unsold
Unsold
70l2A la'o la lEsxx I rsez I t774 Unsold
ffi
17
t--------f--------
I 1562 I
I rssz I
7774
77i4
Unsold
Unsold
.nl2^ lat lg lgeHx I I rtez I 777t Unsold

ffi I rssz I r\74 Unsold

7sl2A Irr, Ic ffi13s6
IseHr | 1020 Unsold
7612^ lzna lc Irsnr ras6 I 1o2o lunsotd
l2A l3rd IC 13s6T loro
t*t
77 I3BHK Soumendra Biswas I Sold
tltt
78 12A l4th lC I3BHK 1356 Unsold
I trh Tc L |
13s6
E,h I.
79 2A BHK 1o2o Unsold

lro L'* t r.*T--;;l

[;;l-;;l
2A Unsold

Prasun Kumar Das Sold

\ll I
io\ lro lt', lo lraHr t462 1099 Unsold

!. \ \ 83 I ,o lzna E I4BHK 7462 1099 Unsold

DCB Bank Limited
& R€gistor€d Penlnsula Busln€ss Parlq S€oaps0 Bspat Matg, Lowsr Par€1, Mumb€l - ,()m13, Manarashtra
Offc6: 6r Floor, Tows A
clN: 199999MH1995PL@89fl)8 Tel: +91 22 66187(m F6x: +91 22 665&1970 Wsbsite: www.dcbbankcom
 DCB BANK
L462 1099 Unsold
84 2A 3rd D 4 BHK
7462 1099 Unsold
85 2A 4th D 4 BHK
7462 1099 Unsold
85 2A 5th D 4 BHK
7462 1099 Unsold
87 2A 6th D 4 BHK
4 BHK 1462 1099 Unsold
88 )L 7th D

1st
!527 tt44 unsold
89 28
A 3 BHK 1521 1L44 Unsold
90 28 2nd
3 BHK 752L 1744 unsold
91 28 3rd
4th 3 BHK Dinesh Agarwal 7527 1744 So ld
92 28
93 28 5th 3 BHK Dinesh Agarwal !s27 tL44 sold
94 2B 6th A 3 BHK 7521 7744 Unsold

95 28 7th A 3 BHK t527 7LM Unsold

96 28 8th 3 BH( 1s21 1744 Unsold

97 2B 1st B 1562 r!74 unsold

98 2B 2nd B 3 BHK trsorT-;rl Unsold

99 2A 3rd B 3 BHK I rsoz I rrzr I Unsold

I I
t;;l;;
,,4 rssz 1174 Unsold
100 4th B 3 BHK I

101 2B 5th B 3 BHK Murari Lal Agarwal Sold

702 28 6th B 3 BHK I Irssz lr74 Unsold

ffi
I

103 Seema Srivastava I rsoz I ln74l Sold

104 t28 tSth lB t3BHK t;;-] 117 4 Unsold
l28 llst lc I3BHK t";l 1020 Unsold

ffi
105

106 1355 L020 Unsold

I roz lze lgra Ic lssHr 1355 1020 Unsold
I 108 l28 I4th lC I3BHK I rrss I 1o2o Unsold
I rog lzs lsrt lc IseHx Neha Agarwal
|---i_--
I 1356 I 1020 Sold
I uolzs le,n Ic t-------t--------
IrsHx | 13s5 I 1020 Unsold
I rllza lztr lc laeHr Seema Srivastava rase I
I|--J----.r 1o2o sold
tt2 l2B Jsth Jc I3BHK I I 13s6 | 1020 Unsold
113 l28 llst lD l38HK L4621 togg I unsold
:;1621

I
-
uolzs
- lqth lo lgaHx
ffi
I I
rqsz
1099 | Unsotd

loss Unsold
I rrzlza ls,rr lo IseHx Nisha Agarwal E46rl 10* Sold
I rre lze letn lo leaHr ffi *t
720 2B 8th D I**l [;;l
ffi
unsold

Annexure ll

1 Disbursement Up to 100 Lac:

As per the current stage of construction and sales.

3 & 4 tranche disbursement:

rri' lTF every quarter upon satisfactory progress in the stage of construction and sales as per cash flows submitted
s

DCB B.nI Llmlt d

(") & R€giste.Ed Ofice: 6" Floor, Towq A P€nlmula Busln6 P8r& S€n€pd 8€pst Marg, towr Par€l, MtIISol - /$m13, Maharashfa
CIN: LgS99MH1995PLCO8gfg Tol: +91 22 6687m0 F8x +91 22 66589970 Wsbalte: wrw.dcbbankcorn