Date:25/10/2024 Reference No: LAI-00363753

SANCTION LETTER AND KEY FACT STATEMENT (KFS)

Mr. Nirav Mukeshbhai Parekh (Co-Borrower: Rupal Nirav parekh )

om 10 vaishali nagar b h mahila college dimple maternity home kalawad road rajkot rajkot gujarat 360007
Rajkot,Gujarat-360007,India
Dear Mr. Nirav Mukeshbhai Parekh (Co-Borrower: Rupal Nirav parekh )
Sub: Your application for a Loan Against Property (LAP) from Home First Finance Company India Ltd. (HomeFirst)

We are pleased to inform you that your application for the Home Loan has been approved as per the Terms mentioned below:

Part 1 (Interest rate and fees/charges)

1 Loan Account No. LAI-00363753 Type of Loan Loan Against Property (LAP)
2 Sanctioned Loan amount (in Rupees) 1,200,000/-

House,Plot no 21, Nirav + LAP

WARD NO. 15, CITY S.R. NO. 626/P, T.P.S. NO. 1, O.P. NO. 13, F.P.
3 Property Description NO. 86, RAJKOT R.S. NO. 451/P, PLOT NO. 21/P,"OM", 10-VAISHALI
NAGAR, NR. RAILWAY LINE, NR. AMRAPALI FATAK, RAIYA
ROAD, RAJKOT 360007
Rajkot, 360007
4 Loan term (year) 15.0
5 Purpose of Loan Construction/Purchase of new residential unit
6 Security Mortgage of Property
Disbursal schedule
(i) Disbursement in stages or 100% upfront. As per fulfillment of criteria mentioned below.

(ii) If it is stage wise, mention the clause of loan The disbursement of the Loan is subject to completion of construction
7 agreement having relevant details stage, legal & technical clearance of the Property, creation of mortgage on
the Property and submission of relevant documents in such manner as
required by HomeFirst.
For more details, refer to the standard HomeFirst Loan Agreement (Clause
no. 2.8) on our website
Type of Commencement of repayment, post
No. of EMIs EMI ( )
8 Installment Details instalments sanction
Monthly 180 16671.93 4th of every month
Interest Rate (%) (P.A. calculated on daily
14.85 % [HFFC-PLR-2.25 %]
rests)
9
Interest Rate Type (fixed or floating or
Diminishing, Floating Rate
hybrid)
10 Additional Information in case of Floating rate of interest
Impact of change in the
reference
Benchmark Spread Final rate Reset periodicity
Reference benchmark (for 25 bps change
rate (%) (%) (%) R = (B) (Months)
Benchmark in ‘R’,
(B) (S) + (S) change in:)
B S EMI ( ) No. of EMIs
HomeFirst
17.10 % -2.25 % 14.85 % Monthly Monthly 205.07 180
PLR
11 Fee/ Charges Payable to the RE (A) Payable to a third party through RE (B)
Amount (in )
One-time/ One-time/ Amount (in ) or Percentage
or Percentage
Recurring Recurring (%) as applicable
(%) as applicable
On application: Rs.2,950/- (Includes GST @
(i) One Time NIL NIL
Login Fee (Non-Refundable) 18%)
(ii) Insurance charges NIL NIL NIL NIL
(iii) Valuation Fees (Legal &Technical) NIL NIL One Time Up to 10,000/-
Rs.18,000/- (Includes GST @
(iv) Project Appraisal Charges One Time NIL NIL
18%)
12 Annual Percentage Rate (APR) (%) 15.39
 Penal Charges & Other Charges for delayed
payments
Rs.500 + applicable taxes
a) Pre-EMI/EMI bounce charges
13 (Per Instrument/Transaction)
2% per month on overdue EMIs/PEMIs[for the overdue
(i) b) Default Penalty period] + applicable taxes As per actuals
c) Legal and Incidental Charges
Rs.10,000/-
d) Regularization Fee (for NPA cases)
2% of the realized sale amount
e) Recovery Fee (for sale of property in NPA cases
(ii) Foreclosure charges, if applicable NIL
(iii) Charges for switching of loans from floating to fixed rate and vice versa 2% on Principal Outstanding + applicable taxes
Any other charges (please specify)
During the term of the loan:
a) CERSAI Charges NIL
(iv) b) MOE Charges (Charges for stamp duty and As per the State Laws
registration of Memorandum of Equitable
Mortgage) First Time: NIL; Subsequently: Rs 100/
c) Document Charges (SOA/LOD/Outstanding Letter)
Part 2 (Other qualitative information)
Clause of loan agreement of relating to
14 engagement of recovery agents
Not Applicable
Clause of Loan agreement with grievance redressal Refer - Customer Services & Grievance Redressal:
15 mechanism details Clause No. 14 & 15
Phone number and email id of the nodal grievance Phone No.: 8880 54 9911
16 redressal officer Email ID: loanfirst@homefirstindia.com
Whether the loan is, or in future maybe, subject to
17 transfer to other REs or securitisation (Yes/ No)
Yes
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details may be
18 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
NA NA NA
In case of digital loans, following specific disclosures may be furnished:
(i) Cooling off/look-up period, in terms of RE’s board approved policy, Not Applicable
during which borrower shall not be charged any penalty on prepayment of
19 loan.

(ii) Details of LSP acting as recovery agent and authorized to approach the Not Applicable
borrower.
20 Special Credit Conditions

Terms and conditions of sanction of Home Loan:

1. This Loan is subject to the terms of the Loan Agreement to be executed between the applicant/borrower and HomeFirst.
2. The EMI mentioned above shall be payable from the 4th of the first month after complete disbursal of Loan amount. Prior to commencement of EMI, interest
(Pre-EMI interest) shall be charged on the loan amount disbursed and become due on the 4 th of each month.
3. The borrower agrees to provide all information and assistance to HomeFirst required in connection with the sanction, utilization of the Loan amount and any other
information that HomeFirst may deem fit. In the event that HomeFirst is privy to any information that it considers incorrect, misleading or that has been willfully
concealed or which may impact the loan repayment, the terms of sanction of the loan may be altered or withdrawn.
4. This sanction will remain in force only upon the execution/receipt of the following documents: (to be submitted within 15 days from the date of this sanction
letter)
a. HomeFirst Loan Agreement
b. Original title documents for the mortgaged property
c. Original Receipts for downpayments, where applicable
d. NOC from builder, where applicable
e. All applicable fees and charges
f. ACH-Mandate for repayment of Pre-EMI and EMI
5. The loan amount is subject to change depending on variation in property price in order to adhere to Loan to Value norms.
6. End use of the funds: The loan amount should be used by the borrower exclusively for the purpose mentioned above.
7. Release of Original Property Documents: All the original property documents that were provided by the borrower at the time of loan approval shall be released
along with release of any charge on property within a period of 30 days after full repayment/closure of the loan account.The original property documents will be
made available for retrieval at the same branch of Home First, at which the customer’s loan was disbursed. Alternatively, if the customer prefers to collect the
original property papers from a different branch, they can place this request at the time of loan closure.
8. The borrower shall have an option to convert from floating rate of interest to fixed rate of interest or vice versa at the sole discretion of HomeFirst by
paying the applicable conversion fee, provided all pending dues are cleared. The request for ROI conversion can only be placed after 12 months from
the date of first disbursement.
9. This sanction letter shall be valid for a period of 30 days, subject to legal/technical valuation of property and clearance. Failure of the applicant to
accept the sanction within such time shall render the sanction invalid.
10. Pre-EMI payment option will be available for up to period of 48 months from the date of first disbursal.

Thank You for choosing Home First Finance Company India Ltd. for your Home Loan facility.

I/We agree to the above terms and conditions.

(Borrower/s)(Co-Borrower/s)
Opportunity Name Nirav Mukeshbhai Parekh
ROI 14.85
Loan Amount 1200000.0
Tenure 180.0

PaymentNo Month Principal Interest Amount Balance Due Date

1 December 2024 1821.93 14850.00 16671.93 1198178.07 04-12-2024
2 January 2025 1844.48 14827.45 16671.93 1196333.59 04-01-2025
3 February 2025 1867.30 14804.63 16671.93 1194466.29 04-02-2025
4 March 2025 1890.41 14781.52 16671.93 1192575.88 04-03-2025
5 April 2025 1913.80 14758.13 16671.93 1190662.08 04-04-2025
6 May 2025 1937.49 14734.44 16671.93 1188724.59 04-05-2025
7 June 2025 1961.46 14710.47 16671.93 1186763.13 04-06-2025
8 July 2025 1985.74 14686.19 16671.93 1184777.39 04-07-2025
9 August 2025 2010.31 14661.62 16671.93 1182767.08 04-08-2025
10 September 2025 2035.19 14636.74 16671.93 1180731.89 04-09-2025
11 October 2025 2060.37 14611.56 16671.93 1178671.52 04-10-2025
12 November 2025 2085.87 14586.06 16671.93 1176585.65 04-11-2025
13 December 2025 2111.68 14560.25 16671.93 1174473.97 04-12-2025
14 January 2026 2137.81 14534.12 16671.93 1172336.16 04-01-2026
15 February 2026 2164.27 14507.66 16671.93 1170171.89 04-02-2026
16 March 2026 2191.05 14480.88 16671.93 1167980.84 04-03-2026
17 April 2026 2218.17 14453.76 16671.93 1165762.67 04-04-2026
18 May 2026 2245.62 14426.31 16671.93 1163517.05 04-05-2026
19 June 2026 2273.41 14398.52 16671.93 1161243.64 04-06-2026
20 July 2026 2301.54 14370.39 16671.93 1158942.10 04-07-2026
21 August 2026 2330.02 14341.91 16671.93 1156612.08 04-08-2026
22 September 2026 2358.86 14313.07 16671.93 1154253.22 04-09-2026
23 October 2026 2388.05 14283.88 16671.93 1151865.17 04-10-2026
24 November 2026 2417.60 14254.33 16671.93 1149447.57 04-11-2026
25 December 2026 2447.52 14224.41 16671.93 1147000.05 04-12-2026
26 January 2027 2477.80 14194.13 16671.93 1144522.25 04-01-2027
27 February 2027 2508.47 14163.46 16671.93 1142013.78 04-02-2027
28 March 2027 2539.51 14132.42 16671.93 1139474.27 04-03-2027
29 April 2027 2570.94 14100.99 16671.93 1136903.33 04-04-2027
30 May 2027 2602.75 14069.18 16671.93 1134300.58 04-05-2027
31 June 2027 2634.96 14036.97 16671.93 1131665.62 04-06-2027
32 July 2027 2667.57 14004.36 16671.93 1128998.05 04-07-2027
33 August 2027 2700.58 13971.35 16671.93 1126297.47 04-08-2027
34 September 2027 2734.00 13937.93 16671.93 1123563.47 04-09-2027
35 October 2027 2767.83 13904.10 16671.93 1120795.64 04-10-2027
36 November 2027 2802.08 13869.85 16671.93 1117993.56 04-11-2027
37 December 2027 2836.76 13835.17 16671.93 1115156.80 04-12-2027
38 January 2028 2871.86 13800.07 16671.93 1112284.94 04-01-2028
39 February 2028 2907.40 13764.53 16671.93 1109377.54 04-02-2028
40 March 2028 2943.38 13728.55 16671.93 1106434.16 04-03-2028
41 April 2028 2979.81 13692.12 16671.93 1103454.35 04-04-2028
42 May 2028 3016.68 13655.25 16671.93 1100437.67 04-05-2028
43 June 2028 3054.01 13617.92 16671.93 1097383.66 04-06-2028
44 July 2028 3091.81 13580.12 16671.93 1094291.85 04-07-2028
45 August 2028 3130.07 13541.86 16671.93 1091161.78 04-08-2028
46 September 2028 3168.80 13503.13 16671.93 1087992.98 04-09-2028
47 October 2028 3208.02 13463.91 16671.93 1084784.96 04-10-2028
48 November 2028 3247.72 13424.21 16671.93 1081537.24 04-11-2028
49 December 2028 3287.91 13384.02 16671.93 1078249.33 04-12-2028
50 January 2029 3328.59 13343.34 16671.93 1074920.74 04-01-2029
51 February 2029 3369.79 13302.14 16671.93 1071550.95 04-02-2029
52 March 2029 3411.49 13260.44 16671.93 1068139.46 04-03-2029
53 April 2029 3453.70 13218.23 16671.93 1064685.76 04-04-2029
54 May 2029 3496.44 13175.49 16671.93 1061189.32 04-05-2029
55 June 2029 3539.71 13132.22 16671.93 1057649.61 04-06-2029
56 July 2029 3583.52 13088.41 16671.93 1054066.09 04-07-2029
57 August 2029 3627.86 13044.07 16671.93 1050438.23 04-08-2029
58 September 2029 3672.76 12999.17 16671.93 1046765.47 04-09-2029
59 October 2029 3718.21 12953.72 16671.93 1043047.26 04-10-2029
60 November 2029 3764.22 12907.71 16671.93 1039283.04 04-11-2029
61 December 2029 3810.80 12861.13 16671.93 1035472.24 04-12-2029
62 January 2030 3857.96 12813.97 16671.93 1031614.28 04-01-2030
63 February 2030 3905.70 12766.23 16671.93 1027708.58 04-02-2030
 64 March 2030 3954.04 12717.89 16671.93 1023754.54 04-03-2030
65 April 2030 4002.97 12668.96 16671.93 1019751.57 04-04-2030
66 May 2030 4052.50 12619.43 16671.93 1015699.07 04-05-2030
67 June 2030 4102.65 12569.28 16671.93 1011596.42 04-06-2030
68 July 2030 4153.42 12518.51 16671.93 1007443.00 04-07-2030
69 August 2030 4204.82 12467.11 16671.93 1003238.18 04-08-2030
70 September 2030 4256.86 12415.07 16671.93 998981.32 04-09-2030
71 October 2030 4309.54 12362.39 16671.93 994671.78 04-10-2030
72 November 2030 4362.87 12309.06 16671.93 990308.91 04-11-2030
73 December 2030 4416.86 12255.07 16671.93 985892.05 04-12-2030
74 January 2031 4471.52 12200.41 16671.93 981420.53 04-01-2031
75 February 2031 4526.85 12145.08 16671.93 976893.68 04-02-2031
76 March 2031 4582.87 12089.06 16671.93 972310.81 04-03-2031
77 April 2031 4639.58 12032.35 16671.93 967671.23 04-04-2031
78 May 2031 4697.00 11974.93 16671.93 962974.23 04-05-2031
79 June 2031 4755.12 11916.81 16671.93 958219.11 04-06-2031
80 July 2031 4813.97 11857.96 16671.93 953405.14 04-07-2031
81 August 2031 4873.54 11798.39 16671.93 948531.60 04-08-2031
82 September 2031 4933.85 11738.08 16671.93 943597.75 04-09-2031
83 October 2031 4994.91 11677.02 16671.93 938602.84 04-10-2031
84 November 2031 5056.72 11615.21 16671.93 933546.12 04-11-2031
85 December 2031 5119.30 11552.63 16671.93 928426.82 04-12-2031
86 January 2032 5182.65 11489.28 16671.93 923244.17 04-01-2032
87 February 2032 5246.78 11425.15 16671.93 917997.39 04-02-2032
88 March 2032 5311.71 11360.22 16671.93 912685.68 04-03-2032
89 April 2032 5377.44 11294.49 16671.93 907308.24 04-04-2032
90 May 2032 5443.99 11227.94 16671.93 901864.25 04-05-2032
91 June 2032 5511.36 11160.57 16671.93 896352.89 04-06-2032
92 July 2032 5579.56 11092.37 16671.93 890773.33 04-07-2032
93 August 2032 5648.61 11023.32 16671.93 885124.72 04-08-2032
94 September 2032 5718.51 10953.42 16671.93 879406.21 04-09-2032
95 October 2032 5789.28 10882.65 16671.93 873616.93 04-10-2032
96 November 2032 5860.92 10811.01 16671.93 867756.01 04-11-2032
97 December 2032 5933.45 10738.48 16671.93 861822.56 04-12-2032
98 January 2033 6006.88 10665.05 16671.93 855815.68 04-01-2033
99 February 2033 6081.21 10590.72 16671.93 849734.47 04-02-2033
100 March 2033 6156.47 10515.46 16671.93 843578.00 04-03-2033
101 April 2033 6232.65 10439.28 16671.93 837345.35 04-04-2033
102 May 2033 6309.78 10362.15 16671.93 831035.57 04-05-2033
103 June 2033 6387.86 10284.07 16671.93 824647.71 04-06-2033
104 July 2033 6466.91 10205.02 16671.93 818180.80 04-07-2033
105 August 2033 6546.94 10124.99 16671.93 811633.86 04-08-2033
106 September 2033 6627.96 10043.97 16671.93 805005.90 04-09-2033
107 October 2033 6709.98 9961.95 16671.93 798295.92 04-10-2033
108 November 2033 6793.02 9878.91 16671.93 791502.90 04-11-2033
109 December 2033 6877.08 9794.85 16671.93 784625.82 04-12-2033
110 January 2034 6962.19 9709.74 16671.93 777663.63 04-01-2034
111 February 2034 7048.34 9623.59 16671.93 770615.29 04-02-2034
112 March 2034 7135.57 9536.36 16671.93 763479.72 04-03-2034
113 April 2034 7223.87 9448.06 16671.93 756255.85 04-04-2034
114 May 2034 7313.26 9358.67 16671.93 748942.59 04-05-2034
115 June 2034 7403.77 9268.16 16671.93 741538.82 04-06-2034
116 July 2034 7495.39 9176.54 16671.93 734043.43 04-07-2034
117 August 2034 7588.14 9083.79 16671.93 726455.29 04-08-2034
118 September 2034 7682.05 8989.88 16671.93 718773.24 04-09-2034
119 October 2034 7777.11 8894.82 16671.93 710996.13 04-10-2034
120 November 2034 7873.35 8798.58 16671.93 703122.78 04-11-2034
121 December 2034 7970.79 8701.14 16671.93 695151.99 04-12-2034
122 January 2035 8069.42 8602.51 16671.93 687082.57 04-01-2035
123 February 2035 8169.28 8502.65 16671.93 678913.29 04-02-2035
124 March 2035 8270.38 8401.55 16671.93 670642.91 04-03-2035
125 April 2035 8372.72 8299.21 16671.93 662270.19 04-04-2035
126 May 2035 8476.34 8195.59 16671.93 653793.85 04-05-2035
127 June 2035 8581.23 8090.70 16671.93 645212.62 04-06-2035
128 July 2035 8687.42 7984.51 16671.93 636525.20 04-07-2035
129 August 2035 8794.93 7877.00 16671.93 627730.27 04-08-2035
130 September 2035 8903.77 7768.16 16671.93 618826.50 04-09-2035
131 October 2035 9013.95 7657.98 16671.93 609812.55 04-10-2035
132 November 2035 9125.50 7546.43 16671.93 600687.05 04-11-2035
133 December 2035 9238.43 7433.50 16671.93 591448.62 04-12-2035
134 January 2036 9352.75 7319.18 16671.93 582095.87 04-01-2036
135 February 2036 9468.49 7203.44 16671.93 572627.38 04-02-2036
136 March 2036 9585.67 7086.26 16671.93 563041.71 04-03-2036
137 April 2036 9704.29 6967.64 16671.93 553337.42 04-04-2036
138 May 2036 9824.38 6847.55 16671.93 543513.04 04-05-2036
139 June 2036 9945.96 6725.97 16671.93 533567.08 04-06-2036
140 July 2036 10069.04 6602.89 16671.93 523498.04 04-07-2036
141 August 2036 10193.64 6478.29 16671.93 513304.40 04-08-2036
142 September 2036 10319.79 6352.14 16671.93 502984.61 04-09-2036
143 October 2036 10447.50 6224.43 16671.93 492537.11 04-10-2036
144 November 2036 10576.78 6095.15 16671.93 481960.33 04-11-2036
145 December 2036 10707.67 5964.26 16671.93 471252.66 04-12-2036
146 January 2037 10840.18 5831.75 16671.93 460412.48 04-01-2037
147 February 2037 10974.33 5697.60 16671.93 449438.15 04-02-2037
148 March 2037 11110.13 5561.80 16671.93 438328.02 04-03-2037
149 April 2037 11247.62 5424.31 16671.93 427080.40 04-04-2037
150 May 2037 11386.81 5285.12 16671.93 415693.59 04-05-2037
151 June 2037 11527.72 5144.21 16671.93 404165.87 04-06-2037
152 July 2037 11670.38 5001.55 16671.93 392495.49 04-07-2037
153 August 2037 11814.80 4857.13 16671.93 380680.69 04-08-2037
154 September 2037 11961.01 4710.92 16671.93 368719.68 04-09-2037
155 October 2037 12109.02 4562.91 16671.93 356610.66 04-10-2037
156 November 2037 12258.87 4413.06 16671.93 344351.79 04-11-2037
157 December 2037 12410.58 4261.35 16671.93 331941.21 04-12-2037
158 January 2038 12564.16 4107.77 16671.93 319377.05 04-01-2038
159 February 2038 12719.64 3952.29 16671.93 306657.41 04-02-2038
160 March 2038 12877.04 3794.89 16671.93 293780.37 04-03-2038
161 April 2038 13036.40 3635.53 16671.93 280743.97 04-04-2038
162 May 2038 13197.72 3474.21 16671.93 267546.25 04-05-2038
163 June 2038 13361.05 3310.88 16671.93 254185.20 04-06-2038
164 July 2038 13526.39 3145.54 16671.93 240658.81 04-07-2038
165 August 2038 13693.78 2978.15 16671.93 226965.03 04-08-2038
166 September 2038 13863.24 2808.69 16671.93 213101.79 04-09-2038
167 October 2038 14034.80 2637.13 16671.93 199066.99 04-10-2038
168 November 2038 14208.48 2463.45 16671.93 184858.51 04-11-2038
169 December 2038 14384.31 2287.62 16671.93 170474.20 04-12-2038
170 January 2039 14562.31 2109.62 16671.93 155911.89 04-01-2039
171 February 2039 14742.52 1929.41 16671.93 141169.37 04-02-2039
172 March 2039 14924.96 1746.97 16671.93 126244.41 04-03-2039
173 April 2039 15109.66 1562.27 16671.93 111134.75 04-04-2039
174 May 2039 15296.64 1375.29 16671.93 95838.11 04-05-2039
175 June 2039 15485.93 1186.00 16671.93 80352.18 04-06-2039
176 July 2039 15677.57 994.36 16671.93 64674.61 04-07-2039
177 August 2039 15871.58 800.35 16671.93 48803.03 04-08-2039
178 September 2039 16067.99 603.94 16671.93 32735.04 04-09-2039
179 October 2039 16266.83 405.10 16671.93 16468.21 04-10-2039
180 November 2039 16468.21 203.72 16671.93 0.0 04-11-2039