GOLD LOAN KIT

Customer Name: ______________________________________________________________________

Applica�on No.: _______________________________________________________________________
Loan Account No.: _____________________________________________________________________
Maturity Date: ________________________________________________________________________
GOLD LOAN APPLICATION FORM

Application Date: ______________________ Application Form No.:_______________________ Scheme/Product Details:__________________________________________________

Branch Name:__________________________________________ Branch Code:__________________ Channel: Branch/Gold Loan Team/Others________________________________

Lead Generated by: Employee Name _________________________________________________________________________________________ Employee Code___________________

Lead Converted by: Employee Name _________________________________________________________________________________________ Employee Code___________________

3.5 cm

Instructions:
Please read all the instructions carefully. This application form is provided to obtain relevant details to help
Please paste
process your loan against gold. All details must be filled in (if not applicable please write N.A.) processing fee or

3.5 cm
latest photograph
any other fees as per scheme are non-refundable. Please attach all the necessary documents required to process of the Applicant
and sign across
the loan. Please write neatly and legibly in block letters. Please provide photo copy of filled application form to
customer for their record.

Personal Details:
1. Details of the Applicant:
Mr./Ms./Mrs.

Date of birth:

2. CIF No.: 3. Aadhaar Card No.:

4. PAN: (in absence of PAN, provide the form no. 60/61) 5. Voter ID card no./Passport/
Driving license no.:
6. Gender: Male Female Third Gender 7. Staff: Yes No If Yes Emp. Code:__________

8. Marital Status: Married Single 9. No. of dependants: Adult Child

10. Category: SC ST OBC General Others ___________________________________

11. Religion: _____________________________________________

12. Address: i) Present ii) Permanent

Landmark:

City:

State:

PIN code:

13. Mobile no.: 14. Landline no.:

15. Email ID: ________________________________________________________________________________________________________________

16. Residence Ownership: Owned Co. provided Parental Rented 17. Rent per month: INR ______________________________________

18. Years at the current residence: Years City Years

19. Education: Matriculate HS/Dip. Graduate PG & above Others (specify) ________________________________

20. Employment Details:

Name of the Employer/Business:

Employer’s/Business’ address:

Landmark: PIN code: City:

State: Landline No.:

Email ID: ________________________________________________________________________________________________________________________________________________

Mobile: Fax: Designation:

21. Occupation Details: (Specify nature of business)

Salaried Self-employed Self-employed professional Retired Housewife Student

Years at the current job/business: Years Months Net annual income

Page 01
GOLD LOAN APPLICATION FORM

22. Bank Details:

A) Bandhan Bank Account Number: Bank Account No.:

B) Others Bank Details: Bank Name & Branch: ___________________________________________________________________________________________________

Bank Account No.:

IFSC Code: Account Type: Savings Current Overdraft CC

23. Reference 1: Reference 2:

Name: Mr./Ms./Mrs. ___________________________________________________ Name: Mr./Ms./Mrs. ___________________________________________________

______________________________________________________________________ ______________________________________________________________________

Relationship with the Applicant: Friend Relative Relationship with the Applicant: Friend Relative

Email ID: _____________________________________________________________ Email ID: _____________________________________________________________

Mobile/Landline No.: __________________________________________________ Mobile/Landline No.: __________________________________________________

24. Income details/Source of income: _______________________________________________________________________________________________________________________

25. Vehicle(s) Two- No. of

used currently: Car wheeler NA
vehicles: One Two More Vehicle: Owned Co. provided Financed

26. Loan details:

Loan amount ______________________________________________________________ Tenure required ____________________________________________________ (months)

Purpose: Education Marriage Hospitalisation Travelling Home Renovation Other (Specify) _____________________________

Customer Declaration:
I. I hereby declare that the details furnished are true and correct to the best of my knowledge and belief, and undertake to inform the Bank of any changes therein
immediately.
II. I agree and confirm that the proposed loan will be used only for the purposes mentioned in this application form and will not be used for speculative/re-lending or
carrying on agricultural/ plantation activities or for investment in real estate business/purchase of gold/improper/illegal/unlawful/ in any form/anti-social purposes. In
case of any change in the intended purpose, I will seek prior concurrence of the same from the Bank. I understand that the Bank has the right to recall the loan at any
time if it is not used for the stated purposes.
III. I agree confirm that Bank shall have exclusive right to verify the end use as per the declaration to ensure that the loan advanced by Bank has been used only for the
purposes for which it has been sanctioned.
IV. My personal KYC details may be shared with central KYC registry and/or any other appropriate authorities.
V. I hereby consent to receive information from central KYC registry through SMS/Email on the above registered mobile number/Email address.
VI. I consent/do not consent to receive information for marketing purposes through mobile/SMS/emails by the Bank/its agents/representatives.
VII. I have not suppressed or furnished any wrong information. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am
aware that I may be held liable for it.
VIII. I confirm that no insolvency proceedings have been initiated against me, nor have I ever been adjudicated insolvent.
IX. I authorise the Bank to exchange/share all the information relating to my loan and repayment history with other bank/financial institution/credit bureaus/agencies/IUs/
auditors or any other appropriate statutory or regulatory bodies, as may be required. I shall not hold the Bank liable for any use of this information.
X. I further agree that my loan shall be governed by the terms and conditions/policies of the Bank which may be in force, from time to time.
XI. I undertake to bear the processing fees, service charges, documentation charges and/or any such miscellaneous expenses as may be required from time to time.
XII. I understand that any charges paid to the Bank towards out-of-pocket expenses; log-in fees; processing fees etc. are to be entirely borne by me and are non-refundable
even upon the application being withdrawn by me or being rejected by the Bank, at any pre-sanction or post-sanction stage. I understand that I shall not be entitled to
any refund, either in part or in full.
XIII. I understand that the Bank shall be entitled, at its sole discretion, to call back the entire /disbursed loan/advance whether due and payable or not at any time, without
assigning any reason and enforce its rights, remedies and securities.
XIV. The Bank may, at its sole discretion, sanction or decline the application of loan, as deemed fit, without assigning me/us any reason thereto.
XV. I shall furnish any additional document and information, as and when required by the Bank.
XVI. I agree that the loan, if sanctioned, shall be governed in accordance with the extant guidelines of RBI; basis on my exposure with the Bank as compared to my exposure
of the entire banking system and shall be subject to necessary modification, as and when there is a change in the existing exposure and/or upon my request.
XVII. I authorize the Bank to verify and authenticate my Aadhaar details during processing of the loan application and also authorize the Bank to share my Aadhaar related
details/information with regulatory statutory bodies, as and when required.
XVIII. I authorize the Bank to retain the photograph/s and documents submitted with this application, even if the loan has not been sanctioned.
XIX. I understand that if the loan is sanctioned, the disbursement will be subject to production of necessary documents as may be required by the Bank from time to time,
and upon satisfactory completion of the Bank's appraisal and documentation process in compliance with the Bank's laid down norms/guidelines.
XX. I acknowledge that the loan, if sanctioned, will be the basis of the representations provided by me and for the purposes specified by me and I have been read out and
explained, in the language known to me, the contents of this document/declaration and I have signed this document/terms after having completely understood the
same. I acknowledge that I shall abide with all the rules/regulations/ terms & conditions, as may be applicable, in relation to the loan.
XXI. I agree to submit to the exclusive jurisdiction of the courts located in Kolkata, India as regards any claims or matters arising under these terms. The Bank accepts no
liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than of India.

Page 02
GOLD LOAN APPLICATION FORM

XXII. I/We hereby declare and confirm in respect of relationship with Director/Senior Officer of the Bank/Any other Bank.
1. I am a Director of Bandhan Bank
Yes No

2. I am a Director of any other Bank

Yes No

If Yes, Name of the Bank ________

3. I/We am/are a relative of a director of Bandhan Bank/other bank/Senior Officer of Bandhan Bank
Yes No

If Yes, mention the details below: I/We declare(s) that I/We am/are related to the Director(s) and or Senior Officer(s) of Bandhan Bank or any other bank specified hereto.

Sr. No.

XXIII. I/We further declare that will not utilise borrowed money for purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of
Gold Exchange Traded Funds (ETF) & units of Gold Mutual Funds, investment in capital market instruments or in another scheme of mutual fund, speculative purpos-
es in silver, bullion, essential commodities, property rate arbitrage, small savings instruments etc.
XXIV. I/We further declare that proceeds of the borrowed money will not be remitted outside India.
In case it is observed that the borrowed money is utilised for the above purposes, the Bank at their sole discretion will recall the loan and take appropriate action
to close the loan & initiate legal proceedings against me/us.

XXV. In the event of my/our death, the gold security pledged and in custody of the Bank, may be returned by the Bank upon payment of outstanding amount in full to
my/our legal heirs subject to production of documents establishing heirship. At present, the details of my/our legal heirs mentioned below.

Sr. No. Name Relation Age Address

Date:

Place:________________________________
Signature of the Applicant

For office use only:

Self-certified documents received Yes No

Documents verification carried out by: Emp. Name ___________________________________ Emp. Code ___________________________________

Date:

Place:________________________________
Employee's Signature

Acknowledgement (to be returned to the Customer)

We have received loan/overdraft application from Mr./Mrs./Ms.___________________________________________________________________________________ for the loan

amount of INR __________________________________________________________________ on the dated______________________________________________

For Bandhan Bank

Date of Receipt:

Signature of the Bank official with seal

Page 03
Page 04
 Terms and Conditions for Loan against Gold Security
I hereby agree to abide by the following terms and condi�ons (“T&Cs”): with interest and other Dues thereon and also en�tling the Bank to enforce the charge
created over the Gold Security.
1 All par�culars/informa�on given in the applica�on form dated ……………. (hereina�er
called the “Applica�on Form”) are true and complete and no material informa�on has 10. I agree that, the Bank shall not be required to lend against the Gold Security any
been suppressed/withheld. I acknowledge that Bandhan Bank Limited, a company amount inclusive of interest exceeding such percentage of the net appraised value of
incorporated under the provisions of Companies Act, 2013 and a banking company the Gold Security as men�oned in the Sanc�on Le�er and/or other related transac�on
within the meaning of the Banking Regula�on Act, 1949, having its registered office at documents. The Bank shall be at liberty to vary the said margin from �me to �me at its
DN-32, Sector-V, Salt Lake City, Kolkata-700 091 and corporate office at Floors 12-14, sole discre�on. In case the value of Gold Security falls lower than the required margin
Adventz Infinity@5, Sector V, Salt Lake City, Kolkata - 700091 (WB) (hereina�er called of the Bank as applicable from �me to �me, whether pursuant to an Inspec�on, in case
the “Bank”) shall have no liability for any consequences arising out of any erroneous of downward fluctua�ons of price or upward movement of rate of interest, or
details provided by me for which I shall be solely liable. Based on the representa�on otherwise, without prejudice to the right to declare on Event of Default and /or to right
made by me in the Applica�on Form, the Bank has agreed to grant the loan of such to sell the Gold Security and/or exercise any other right or remedies available with the
amount (hereina�er called the “Loan”) on the terms and condi�ons as set out in the Bank hereunder or under law, I shall, within 7 (seven) days of a no�ce from the Bank in
Sanc�on Le�er No _________dated_____________ (hereina�er called the “Sanc�on this regard, make repayment to cover the margin and/or, deposit with the Bank, such
Le�er”) against the security of gold as specified in the 'Gold Deposit Receipt' which is addi�onal security, as may be required at the sole discre�on of the Bank.
agreed by me. The quantum of the Loan advanced to me shall be in line with the extant
internal policies of the Bank from �me to �me. I agree to abide by the terms and
condi�ons of the Sanc�on Le�er. 11. I agree that the Bank may at any �me require me to procure a guarantee for my
obliga�ons towards the Bank under the Loan, and I hereby consent to my obliga�ons
2. I declare that I shall u�lize the Loan solely for the purpose stated in the Applica�on under the Loan being guaranteed by such guarantor(s) as the Bank may require
Form and will not be used for any specula�ve or an�-social purpose. including without limita�on by any valuer or assayer.

3. I agree that the Loan shall be disbursed by the Bank to my bank account as may be 12. This Declara�on has been made by me irrevocably and uncondi�onally and shall
designated by me in the Applica�on Form. remain valid and in force �ll such �me as the Bank may determine in its discre�on and
shall be applicable so as to cover the Loan for the en�re tenure. The tenure of the Loan
4. I agree that the Loan along with interest, unpaid principal, compound interest, default shall be of such period from the date of the first disbursement of the Loan (or of any
interest and such other charges as specified in Bank’s approved schedule as updated part of the Loan) as may be set out in the Sanc�on Le�er.
on the Bank’s website from �me to �me and men�oned in the Sanc�on Le�er and in
the Most Important Terms & Condi�ons (MITC) duly signed/accepted by me (hereinaf- 13. In case the Loan is repayable by way of bullet repayment, forthwith upon maturity of
ter called the “Schedule of Charges”) shall be paid by me to the Bank (hereina�er the Loan (maturity of the Loan shall mean the expiry of the tenure of the Loan) or
collec�vely referred to as “Dues”) by way of equated monthly installments or by way earlier termina�on of the Loan, as the case may be, I shall repay the principal/loan and
of bullet repayment and in a manner as may be specified in the Sanc�on Le�er or as pay the then outstanding Dues to the Bank.
may otherwise be in�mated by the Bank to me from �me to �me.
14. In case the Loan is repayable by way of equated monthly instalments, the
5. I hereby represent that I am the owner and am in possession of certain gold including principal/loan and the other then outstanding Dues to the Bank, if not demanded
in the form of jewellery/ornaments/gold coins, (as detailed in the Gold Deposit earlier by the Bank, shall be paid/repaid by me together with the interest calculated on
Receipt) (hereina�er called the “Gold Security”) over which I have created/will create the reducing principal balance by way of equated monthly instalments (“EMI(s)”), for
a first and exclusive charge in favour of the Bank by deposi�ng the same with the the amounts and on the due dates as set out in the Sanc�on Le�er. Provided that the
Bank, in a manner as acceptable to the Bank, and such Gold Security which shall Bank shall be en�tled to recompute and/or modify the amounts cons�tu�ng the
remain deposited with the Bank �ll any Dues hereunder remain owed by me to the EMI(s) and the dates for payment thereof by me/us on the occurrence of any event
Bank. I confirm that my �tle to the Gold Security deposited/to be deposited by me as which in the opinion of the Bank necessitates a recomputa�on/modifica�on of the
security is not defec�ve/challenged by any person in any manner nor is it spurious or same. In the event of any such modifica�on, I agree and undertake to issue fresh,
of inferior quality as it has been acquired by me from genuine sources, is genuine gold, standing instruc�ons or debit authorisa�ons, as the case may be, as the Bank may
is my bonafide property and no other person has any claim, lien or charge against it. require. I hereby agree and confirm that in order to work out suitable EMIs to be paid
by me towards repayment/payment of the Loan and interest, the Bank has adopted a
6. I agree that, the valua�on of the Gold Security shall be done by an independent reasonable and proper basis and I agree to pay the EMIs calculated as aforesaid. I
appraiser/valuer/assayer appointed by the Bank and the loan amount shall be/has understand that strict compliance with the payment schedule as set out in the
been determined by the Bank on the basis of the value of the Gold Security as set out Sanc�on Le�er is an essen�al condi�on for the grant of the Loan.
in the valua�on report provided by the appraiser/valuer, and I hereby waive any
objec�on I may have in that regard. Such valua�on shall be subject to the market price 15. I agree that any payments required to be made by me hereunder or towards the Dues
of the gold ornaments/coins from �me to �me. including but not limited to the interest/change/revision/maintenance/enhancement
of margin/ processing fees/payment of Loan amount/principal, in whole or part, shall
7. I understand and agree that the Gold Security deposited with the Bank shall be kept at be made by me through such modes as the Bank may permit including (without
my risk in the ordinary safes by the Bank. I understand that the Bank will exercise only limita�on) Electronic Clearing System (“ECS”), Standing Instruc�on (“SI”), by use of
the ordinary care of the safe custody of the Gold Security. The Bank shall not be liable /authorizing debit/use of credit cards or debit cards, online payment through the
in case of any damage to the ar�cles, beyond the control of the Bank, including but not official website of the Bank, mobile pla�orms, mobile banking, cash or such other
limited to by reason of accident, force majeure, act of God etc. modes specified by the Bank, and subject to such further terms and condi�ons in this
regard as may be communicated to me by the Bank. I fully understand and agree that
8. I agree that the Bank shall be en�tled to conduct, without my presence, inves�ga�on, the Bank shall in no manner be responsible for the consequences of any disclosure on
inspec�on and/or audit of/in connec�on with the quality, purity, value of Gold my part of any personal and/or loan details to any unauthorized personnel falsely
Security in the manner deemed fit by the Bank (collec�vely, “Inspec�on”), at my cost represen�ng himself/herself as being in any manner connected to the Bank, and all
at any �me �ll any Dues hereunder remain owed to the Bank by me without no�ce to risks in this regard shall lie with me.
me. I agree that the Bank shall be en�tled to open seals and packets during the tenor
of the Loan and conduct Inspec�on in connec�on with the quality of Gold Security at 16. I agree that the Loan may be prepaid in whole or in part, by me, if so s�pulated under
my cost any �me and I would be solely responsible for any discrepancy in the the Sanc�on Le�er and/or any other related transac�on document. The Bank may
purity/weight of such Gold Security. I agree that the Bank has the right at any �me to grant on such condi�ons as it may deem fit, including without limita�on the payment
re-appraise/verify the Gold Security deposited with the Bank by me. I voluntarily of prepayment or part payment charges as the case may be, as s�pulated by the Bank
hereby provide my uncondi�onal consent to the Bank for conduc�ng Inspec�on for in the Schedule of Charges/Sanc�on Le�er, which prepayment and/or part payment
the purpose of valua�on of the Gold Security in my presence or without my presence, charges may be applied and collected by the Bank. .
including pointed scratching and acid test or any other verifica�on or tes�ng as the
Bank may require and the Bank shall not be held liable in case of any damage to the 17. I agree that the interest calcula�on will be done on the basis of the daily outstanding
Gold Security on account of such Inspec�on. balance. Subject to prevailing policy of the Bank with regard to the Loan applied for by
me and/or sanc�oned to me, the interest shall be payable at such rate, on such dates
9. The findings of the Bank pursuant to its Inspec�on including any specific findings on and for such periods as may be specified by the Bank and notwithstanding anything
the quality, purity or value of the Gold Security would be binding on me and I shall not contained herein or elsewhere, the interest payable by me shall be subject to the
in any manner dispute the same and I shall do all such acts, as the Bank may require changes in interest rates made by the Reserve Bank of India (“RBI”) from �me to �me
pursuant to such Inspec�on. I recognize and agree that any failure on my part to as also the Bank shall have the discre�on of changing or revising such interest rate,
comply with the direc�ons of the Bank and/or if the Gold Security is found by the Bank interest payment dates or periods from �me to �me based on the Bank’s internal
to be not genuine or of disputed value, quality or purity, it shall amount to an Event of policy decisions which decision(s) of the Bank shall be final and binding on me and the
Default (as defined hereunder), en�tling the Bank to forthwith recall the Loan along
Page 05
 Bank shall not be required to give any reasons therefor and I hereby waive any 24. I hereby represent(s) and warrant(s) that:
objec�on I may have in that regard. Upon any change/revision in the mode or manner
or period of payment of interest or amount of interest, I shall execute such revised a. I am ci�zen(s) of India;
ECS/SI mandate as the Bank may in its sole discre�on require.
b. All declara�ons made by me including the declara�on on rela�onship with other
18. Without prejudice to any other rights that the Bank may have under law, in case of bank(s)/the Bank herein are true and complete and no material informa�on has been
non-payment of any Dues, I agree to be liable to pay the Bank penal charges at the suppressed /withheld;
rates s�pulated in the Sanc�on Le�er/Schedule of Charges and/or any other related
transac�on document, on the balance due to the Bank from the date of my/or failure c. I shall perform and am bound by all the covenants/condi�ons set out herein, in the
in maintaining the margin, or in failure/neglect in repaying the balance dues to the Sanc�on Le�er and any further condi�ons as may be prescribed by the Bank; and
Bank. I agree that the penal charges may be revised from �me to �me in accordance
d. I confirm the Bank is not represen�ng the value of the Gold Security to me in any
with the Bank’s policy and such revised charges would be prospec�vely made
manner whatsoever. I recognize that for valua�on at �mes detailed Inspec�on are
applicable. Without prejudice to any other rights that the Bank may have under law, in
required, which the Bank may conduct in its discre�on from �me to �me.
case of non-payment of any Dues, I shall be liable to pay addi�onal interest/default
interest at such rate as may be s�pulated by the Bank in the Sanc�on Le�er/Schedule
25. The Bank may, without assigning any reason and upon wri�en no�ce to me cancel in
of Charges and/or any other related transac�on documents on the en�re Loan plus full or in part the Loan and demand repayment thereof. Upon such no�ce, the said
the interest due and expenses incurred, if any, on that date. Dues shall become forthwith due and payable by me to the Bank.

19. I shall pay all costs, charges and expenses, including stamp duty, if applicable and legal 26. Upon the occurrence of any of the following events (each an “Event of Default”), the
costs on actual basis and other charges and expenses which may be incurred in Dues to the Bank shall become immediately due and payable by me to the Bank and
prepara�on of any documents related and/or incidental to the Loan, as also for the further enable the Bank inter alia to recall the Loan and/or enforce the Gold Security
enforcement or a�empted enforcement of the security created to secure the Dues and other security, if any, furnished hereunder:
and miscellaneous charges included but not limited to costs involved in newspaper
publica�ons and disposal of the Gold Security, in the manner deemed appropriate and a) Failure on my part to perform any of my obliga�ons hereunder or under the Sanc�on
fit by the Bank. I hereby authorize the Bank to debit my account(s) kept with Bank Le�er and/or any other related transac�on document and/or if any circumstance or
towards any charges /servicing the Loan and other Dues and upon my failure to meet event occurs which adversely affects my capacity to repay the Loan or any part thereof
any shor�all in case the value of Gold Security falling lower than the required margin or perform any of my obliga�ons.
of the Bank as applicable from �me to �me.
b) If any of the representa�ons, declara�ons, or statements or par�culars made by me in
the Applica�on Form, or herein or any related document, including in rela�on to the
20. I understand and agree that the charges and expenses payable by me in connec�on
quality and quan�ty of the Gold Security, are found to be false, misleading or incorrect.
with the Loan are subject to change as per Bank's discre�on and/or as per the extant
regulatory requirements, from �me to �me and that Goods and Services Tax (GST)
c) If the Dues are not repaid on the date of maturity/as per the �meline, in the manner
and/or any other applicable taxes/service charges will be charged extra as per the
specified by the Bank.
applicable rates, on all the charges and fees (wherever applicable).
d) In the event of non-servicing of interest by me on any due date.
21. I hereby authorize the Bank to carry out the Real Time Gross Se�lement (“RTGS”) /
Na�onal Electronic Fund Transfer (“NEFT”) transac�on as per details men�oned in the e) Upon detec�on of any fraud in rela�on to the quality of the Gold Security by the Bank.
Applica�on Form. I understand that RTGS/NEFT request is subject to the RBI
regula�ons and guidelines governing the same. f) If the value of the said Gold Security falls lower than the required margin of the Bank
as applicable from �me to �me, due to change in market price (whether actual or
22. I shall at all �mes maintain sufficient balance in such account for the purposes of reasonably an�cipated) or any other reason or if there is any deteriora�on or
payment of the Dues and periodic payment of interest; and I confirm that such impairment of any security or any part thereof, which causes the security in the
account, the bank and the form and manner of the said mandate and execu�on and judgement of the Bank to become unsa�sfactory in character or value.
acceptance thereof shall be as may be required by the Bank and to the complete
sa�sfac�on of the Bank. I agree and confirm that, in case of ECS, forthwith upon the g) If it is discovered that there is any collusion between the assayer/appraiser/valuer and
Bank issuing instruc�ons to the bank to which the ECS mandate is given by me, the said me resul�ng in a fraudulent or erroneous valua�on of the Gold Security or in case the
bank shall transfer a sum equivalent to the Dues (as communicated by the Bank) or as Bank has a reasonable suspicion in this regard.
the case may be equivalent to the interest amount and/or other charges due from me
h) If any a�achment, distress, execu�on or other process against me or any of the
(as communicated by the Bank) to the account specified by the Bank in this regard. In
security is enforced or levied upon;
case of SI, I hereby irrevocably authorize the Bank to debit from my designated
account held by me with the Bank such sums towards the Dues or as the case may be
i) In the event of my death, insolvency, failure in business, commission of an act of
interest (as communicated by the Bank) on the respec�ve due date(s). I agree that I bankruptcy;
shall be solely and fully liable and responsible for all risks associated with the aforesaid
modes of payment and for ensuring that adequate security measures are taken while j) If at any �me before the Loan is repaid in full along with all Dues to the Bank, there is
using any of the aforesaid modes of payment; I agree and acknowledge that the Bank any withdrawal, revoca�on or variance/modifica�on (except with the express consent
shall not in any way be responsible or liable for the same. I shall make myself aware of in wri�ng of the Bank) of any ECS and/or SI mandate/instruc�ons and/or any other
all risks related to and security measures required for the aforesaid purpose including instrument/mode of payment issued by me pursuant to the terms hereof ;
from our bankers and service providers. I agree that I shall not, at any �me un�l the
Loan is repaid in full along with all Dues to the Bank, withdraw, revoke or vary (except k) any dishonour/bounce of cheques, ECS, SI mandate or any other instrument/mode of
with the express consent in wri�ng of the Bank) any such ECS and/or SI mandate/in- payment;
struc�ons or any other instrument/mode of payment issued by me as aforesaid. I
hereby confirm that I am aware of the fact that any dishonour of any cheque/ECS/SI so l) An a�empt by me, without prior wri�en consent of the Bank, to create any charge,
issued by me and presented by the Bank for payment would cons�tute an offence lien, mortgage or any other encumbrance over the Gold Security.
under applicable law and the Bank may ini�ate appropriate legal ac�on against me as
may be advised. On the applicable due date the Bank shall have, in its discre�on, 27. Upon the occurrence of an Event of Default, I authorize the Bank to sell or otherwise
dispose off the Gold Security, either together or in lots or separately, in a manner and
uncondi�onal and irrevocable authority and powers, as hereby given in favour of the
at such price as the Bank in its sole discre�on may deem fit, a�er giving me a no�ce of
Bank, to deposit the same towards payment/repayment of the Dues.
not less than 7 (seven) days through speed/registered post, which I agree is a reasona-
ble period for the purposes of Sec�on 176 of the Indian Contract Act, 1872. The
23. I agree that the Demand Promissory Note executed by me in the favour of the Bank for
realizable value as per net weight will only be considered as the floor price, value of
securing the Loan shall operate as con�nuing security to the Bank, to be enforceable
precious stone and other fixtures will not be considered, while determining the sale
for the repayment of the ul�mate balance or all such sum remaining unpaid under the price. I agree that I shall not have any claim against the Bank or its agents, nominees
Loan now or herea�er. I do hereby also waive my rights of the presentment of the in respect of any loss arising out of any sale conducted pursuant to provisions stated
aforesaid Demand Promissory Note and further request the Bank to note to dispense above or any postponement thereof howsoever caused and whether or not a be�er
with a no�ce of dishonour in terms of sec�on 98(a) of Nego�able Instruments Act, price could or might have been obtained upon the sale or disposi�on of the whole or
1881, and that in the event of payment not being made on demand by me, the Bank, any part of the Gold Security by deferring or advancing the date of such sale or
may at its sole discre�on give �me for payment to me without discharging me from otherwise. The proceeds so realized from the sale of the Gold Security shall be u�lized
any liability. towards the repayment of Dues under the Loan. In the event that the proceeds so
realized or insufficient to meet the amount of Dues, I agree to forthwith repay the
Page 06
 balance amount as demanded by the Bank. The Bank may take such other and further envelope was so posted shall be conclusive proof of delivery, if given or made by email,
ac�ons as it may deem necessary to realize the balance amount from me. Provided on the date it is sent, unless the Bank receives an automated message that the email
that the Bank shall not be obligated to first exhaust the remedy of enforcing/selling the has not been delivered, in case any such no�ce is sent by more than one of the modes
Gold Security before ini�a�ng any other legal ac�ons/proceedings and shall be specified in this Clause, whichever is the earliest. I hereby undertake to keep the Bank
en�tled to take/ini�ate such legal proceedings/ac�ons against me and/or other informed at all �mes in wri�ng of any change in my mailing address, email id, phone
persons at any �me at Bank’s discre�on, whether prior to, simultaneously or and mobile number(s) and to obtain Bank’s wri�en acknowledgement on the
subsequent to other remedies including sale/enforcement of Gold Security. in�ma�on given to Bank for any such change.

28. I agree that, in the event of there being a surplus available of the net proceeds of such 35. Any no�ce as aforesaid by the Bank to me to any of the aforesaid address, email id,
sale of Gold Security a�er payment in full of the balance due to the Bank under the phone and mobile number(s), shall be valid and due no�ce by the Bank to me and shall
Loan, it shall be lawful for the Bank to retain and apply the said surplus towards be deemed to have been properly and fully delivered to/on me and the service
payment of any other money which shall be or may become due from me to the Bank, completed on the respec�ve days/dates as men�oned aforesaid irrespec�ve of the
whether individually or jointly with any other persons and whether as a principal fact that the same may be returned undelivered for any reason and in any such case of
debtor or surety. non-delivery the Bank shall not be required give any further no�ce through said modes
or alterna�ve modes even if postal authori�es or the other medium(a) advise/inform/-
29. In case of my failure to repay the loan, I hereby authorize the Bank to publish my show in such case that I am not residing or available or found at such addresses or for
name, photograph, loan details, Gold Security details, default details, in the print any address or number not being func�onal, in order or matched, and I shall not be
media or otherwise under the �tle of a defaulter of loan. I am also aware that the right en�tled to raise any objec�on and hereby waive any objec�on I may have in respect of
to publish the photograph shall solely be with the Bank and the Bank shall have the non-delivery etc. including for any of those address, email id, phone and mobile
discre�on to publish the photographs of all or selected defaulters and cost of such number(s) furnished by me being incorrect or improper or in case of any change in the
publica�on shall be recovered from me by the Bank. same which is not communicated by me to the Bank in wri�ng with acknowledgement
thereon of the Bank obtained prior to any such no�ce by the Bank. The �me required
30. I agree that, as per RBI guidelines, classifica�on of accounts as non-performing asset for delivery will be included in the no�ce period hereinabove and shall not be in
(NPA) is done borrower wise and not facility/loan wise and hence, I understand that in addi�on to the said no�ce period. The mailing address, email id, phone and mobile
case of non-payment of dues by me in case of any facility/loan availed from the Bank number(s) as provided by me in the applica�on form (and as may be communicated in
and consequently the account is to be classified as NPA, all of my other loan accounts wri�ng by me to the Bank in case of change as aforesaid with Bank’s acknowledgement
with the Bank also shall be classified as NPA as per the guidelines issued by RBI and it thereon obtained) are/shall be fully correct and proper and in case any of them turn
shall en�tle the Bank to recall all such loans/facili�es availed by me from the Bank, out to be incorrect or improper, I agree that I shall be solely and absolutely liable for
irrespec�ve of the regular repayment in such accounts. the same and the consequences arising therefrom including for consequences of
non-delivery of any no�ce/communica�on addressed to me by the Bank at the
31. I acknowledge that the circular on the Pruden�al Framework for Resolu�on of aforesaid mailing address, email id, phone or mobile number(s).
Stressed Assets requires the lenders/banks to recognize incipient stress in borrower’s
accounts, immediately on default, by classifying them as special men�on accounts 36. The Gold Security or such part of the Gold Security which has not been sold pursuant
(SMA). The basis for classifica�on of SMA categories is as follows: to this T&Cs will be released only a�er payment in full of the said Dues by me to the
Bank to the complete sa�sfac�on of the Bank and only a�er a no�ce given therea�er
Loans other than revolving Loans in the nature of revolving facili�es like cash by me to the Bank of at least 7 (seven) working days (being days on which the Bank is
facili�es credit/overdra� working) from the date of such final payment. The Bank may release the Gold Security
SMA Sub- Basis for classifica�on – SMA Sub- Basis for classifica�on – Outstanding as aforesaid to me. Upon failure on my part to collect the Gold Security from the Bank
categories Principal or interest categories balance remains con�nuously in excess within 7 (seven) working days as aforesaid, the Bank shall charge service charges at
payment or any other of the sanc�oned limit or drawing power,
amount wholly or partly whichever is lower, for a period of: such rate as shall be specified by the Bank in the Sanc�on Le�er or otherwise, for each
overdue day a�er the 7th working day on which the Gold Security con�nues to be kept with the
SMA-0 Upto 30 days Bank and once such service charges become applicable due to my failure to collect the
SMA-1 More than 30 days and SMA-1 More than 30 days and upto 60 days Gold Security from the Bank within the s�pulated �me, the Bank shall release the Gold
upto 60 days Security only upon payment by me of the service charges to the Bank in full. However,
in case of any failure on my part to so collect the Gold Security for a period of 3 (three)
SMA-2 More than 60 days and SMA-2 More than 60 days and upto 90 days
upto 90 days months from the date of closure of the Loan, the Bank shall have the right to sell or
otherwise dispose off the Gold Security for the purposes of recovering the service
The date of SMA/NPA reflects the asset classifica�on status of an account at the day-end of
charges due from me to the Bank on account of such failure on my part; and in case
that calendar date. Example: If due date of a loan account is March 31, 2021, and full dues are
there is any balance remaining post the appropria�on of the sale proceeds towards
not received before the lending ins�tu�on runs the day-end process for this date, the date of
the service charges due from me, the Bank may send the same via demand dra� or pay
overdue shall be March 31, 2021 and this account shall get tagged as SMA-0 upon running
day-end process on March 31, 2021. If it con�nues to remain overdue, then this account shall order to my address as set out in the Applica�on Form.
get tagged as SMA-1 upon running day-end process on April 30, 2021 i.e. upon comple�on of
30 days of being con�nuously overdue. Accordingly, the date of SMA-1 classifica�on for that 37. I agree that, in addi�on to any general lien or similar right to which the Bank as
account shall be April 30, 2021. Similarly, if the account con�nues to remain overdue, it shall bankers may be en�tled by law, prac�ce, custom or otherwise, the Bank may at any
get tagged as SMA-2 upon running day-end process on May 30, 2021 and if con�nues to �me and without no�ce to me combine or consolidate all or any of the my accounts
remain overdue further, it shall get classified as NPA upon running day-end process on June with and liabili�es to the Bank and set off or transfer any sum or sums standing to the
29, 2021. credit of any one or more of such accounts in or towards sa�sfac�on of any of my
liabili�es to the Bank on any other account or in any other respect, whether such
32. I understand that as a pre-condi�on, rela�ng to grant of the loans/advances/other liabili�es be actual or con�ngent, primary or collateral and several or joint. The Bank
funds based and/or non fund based credit facili�es to me, the Bank requires my may also exercise lien on any Gold Security in respect of Dues in rela�on to any other
consent for the disclosure by the Bank of informa�on and data rela�ng to me of credit account/s held by with the Bank.
facility/loan availed of/to be availed, by me, by obliga�ons assumed/to be assumed,
by me, in rela�on thereon to and default, if any, commi�ed by me, in discharge 38. I agree that the Bank may open mul�ple loan accounts in my name/s within the
thereof. aggregate facility(ies)/loans sanc�oned to me and these T&Cs shall be applicable to
each and all such loan accounts opened/ to be opened with the Bank.
33. I agree that the dues of the Bank shall be recovered from me together with all costs,
interests, charges and expenses including the adver�sement expenses, li�ga�on 39. The Bank shall have the right to s�pulate any other and further terms and condi�ons
expenses and misc. expenses etc. incurred towards the Loan and I am liable to pay the that it may deem fit at any �me prior to or a�er the grant of the Loan, which shall be
same while repayment/closure of the Loan. binding on me. All rights of the Bank s�pulated herein shall be in addi�on to the rights,
powers and remedies available to the Bank under law. The Bank reserves the right to
34. I agree that any no�ce (including no�ce of sale of Gold Security) be addressed at my retain the photographs and documents submi�ed with this applica�on and will not
address men�oned in the Applica�on Form (and as may be communicated in wri�ng return the same to me. The Bank shall, without reference to or any in�ma�on to me,
by me to Bank in case of change as aforesaid with Bank’s acknowledgement thereon be absolutely en�tled and have full power and authority to sell, transfer, assign or
obtained) are/shall be fully correct and proper, and may be sent via: (a) Register AD; securi�ze to any third party or person as the Bank may decide, the facility/loan, any
(b) hand delivered; or (c) sent via email to the email address men�oned in the and all outstanding Dues, any rights, benefits and/or obliga�ons hereunder in any
manner, in whole or in part and on such terms as the Bank may decide. Any such
Applica�on Form; (d), short message service (SMS) to my mobile phone(s); (e) by any
assignment shall be binding on me. I shall not be en�tled directly or indirectly to
other postal mode; or (f) by courier. Such service shall be deemed to have been
sell/transfer/assign my benefits or obliga�ons hereunder without the prior wri�en
affected in case of delivery by Registered AD or any other mode of postal service, on
permission of the Bank.
the expiry of the 4th day of such pos�ng and in case of delivery by hand or by courier
on the date on which it is delivered and in proving that such no�ce was posted a
40. I agree that my liability to pay the Dues to Bank, shall not, in any manner, be affected,
cer�ficate signed by the Bank’s local manager or agent or other authorized officer that
or discharged by my death, insolvency, legal incapacity or otherwise and these T&Cs
Page 07
 shall con�nue to apply to and bind my legal heirs/successors �ll the repayment of the The Bank shall have the right to make disclosure of informa�on rela�ng to me, Loan,
Loan, to the sa�sfac�on of the Bank. facility, security, defaults, obliga�ons assumed by me, to the Credit Informa�on
Bureau of India (CIBIL) and/or any other governmental/regulatory/statutory or private
41. All disputes arising out of and/or rela�ng to the Loan and this document including any agency as required under law from �me to �me. I hereby authorize and give consent
collateral document shall be governed by laws of India and subject to the exclusive to the Bank to disclose, without no�ce to me, informa�on rela�ng to me, the Loan,
jurisdic�on of the Courts/Tribunals of Kolkata. The disputes shall be referred to facility, security, defaults, obliga�ons assumed by me, as also any informa�on
arbitra�on in accordance with the provisions of the Arbitra�on and Concilia�on Act, furnished by me in applica�on form(s)/related documents executed/to be executed in
1996 as may be amended, or its re-enactment, by a sole arbitrator, appointed by the rela�on to the facili�es availed from the bank, to CIBIL, RBI, the Bank’s other
Bank. The costs of such arbitra�on shall be borne by the losing party or otherwise as branches/subsidiaries/affiliates/credit bureau/ra�ng agencies, service providers,
determined in the arbitra�on award. If a party is required to enforce an arbitral award other banks/financial ins�tu�ons, governmental/regulatory authori�es or third
by legal ac�on of any kind, the party against whom such legal ac�on is taken shall pay par�es who may process the informa�on, publish if required, as also use for KYC
all reasonable costs and expenses and a�orney’s fees, including any cost of addi�onal informa�on verifica�on, credit risk analysis, or for other related purposes. I waive the
li�ga�on or arbitra�on taken by the party seeking to enforce the award. The privilege of privacy and privity of contract.
Arbitra�on proceeding shall be conducted in the English language. The award passed
by the Arbitrator shall be final and binding on the Par�es. The venue and seat of the 44. I hereby give specific consent to the Bank for disclosing/submi�ng the ‘financial
Arbitra�on shall be Kolkata or such other place as may be determined by the Bank. informa�on’ as defined in Sec�on 3 (13) of the Insolvency and Bankruptcy Code, 2016
(‘Code’) read with the relevant Regula�ons/Rules framed under the Code, as amended
42. I understand that the sanc�on of this Loan is at the discre�on of the Bank and upon my and in force from �me to �me and as specified thereunder from �me to �me, in
execu�ng necessary documents, crea�ng necessary security and comple�ng other respect of the Loan availed from the Bank, from �me to �me, to any ‘Informa�on
formali�es as required by the Bank. U�lity’ (‘IU’) as defined in Sec�on 3 (21) of the Code, in accordance with the relevant
Regula�ons framed under the Code, and direc�ons issued by RBI to banks from �me to
43. I authorize the Bank to conduct such credit checks as it considers necessary in its sole �me and hereby specifically agree to promptly authen�cate the ‘financial informa�on
discre�on and also authorize and give specific consent to the Bank to release such or submi�ed by the Bank as and when requested by the concerned ‘IU’.
any informa�on in its records, including i) informa�on and data rela�ng to me, ii) the
informa�on and data rela�ng to any credit facility/loan availed of/to be availed by me 45. I understand that disbursal of the Loan as also my acceptance of the Sanc�on Le�er
and iii) default, if any, commi�ed by me, in discharge of any such obliga�ons, as the issued by the Bank shall be a deemed confirma�on, agreement and declara�on on my
Bank may deem appropriate and necessary to disclose for the purpose of credit part that these T&Cs shall apply to the Loan disbursed/sanc�oned. I uncondi�onally
appraisal/sharing or for any other purpose. I further authorize the Bank to make any accept and agree that these T&Cs may be amended by the Bank at any �me and I shall
enquiries with any other finance company/bank/registered credit bureau/credit be bound by such amended terms and condi�ons as updated on the Bank’s website
informa�on companies (CIC) regarding my credit history with them and also authorize from �me to �me.
Bank to provide details of my credit history to any other bank/finance company/
registered credit bureau. I, undertake that: 46. I confirm having received, read and fully understood the terms and condi�ons
applicable to the Loan and accept uncondi�onally hereby without no�ce any addi�on-
a) CICs, and any other agency, so authorized may use, process the said informa�on and al terms and condi�ons that the Bank may at any �me s�pulate and I will be bound by
data disclosed by the Bank in a manner as deemed fit by them; and such amended terms and condi�ons.
b) CICs, and any other agency, so authorized may furnish for considera�on, the
processed informa�on and data or product there of prepaid by them, to Bank/FIs and
other credit grantors or register users, as may be specified by the RBI in this behalf.

NOMINATION
Nomina�on in respect of Gold Security in the custody of Bank.

I ________________________name (s) and address(es) nominate the following person to whom in the event of my death the Gold Security over which charge is created in favour of and is in the
custody of Bank, par�culars whereof are given below, may be returned by the Bank upon payment of outstanding amount under the Loan in full.
Name & address of the Nominee_________________________________________________________ (please ensure that the nominee is not a minor).
Rela�onship with Applicant, if any_______________________
Age____
I confirm that this nomina�on shall override any other disposi�on made by me, whether testamentary or otherwise and the nominee shall become en�tled to the return of the Gold Security over
which charge is created in favour of the Bank and is in the custody of the Bank against payment of all outstanding to the Bank to the exclusion of all other persons. I further confirm that on such
return the Bank shall stand released and discharged.

Name of the Applicant(s): _______________

Place: _______________
Date: _______________
Signature of the Applicant(s): _______________

VERNACULAR DECLARATION
(In case of illiterate customers/vernacular language)
I have been read out and explained in the language known to me, the contents of the loan documents and all other documents incidental to availing the loan from Bandhan Bank Limited and I have
signed the said documents a�er having understood them and by signing the same I do hereby agree to abide by all the terms and condi�ons of the loan and the clauses of the same..

Signature of Witness:............................................... (To be signed by a third party other than Bank employee)

Name of Witness:……………………………..……………………………..

Applicant Name:..........................................……………………

Applicant Signature:………………………………………………………

Page 08
 Customer SI Debit Authorisation Form
Date: …...........................

To,
The Branch Manager
Bandhan Bank Ltd
…............................ Branch

Dear Sir/Madam,
Loan Account Number: _____________________________________________________
SA/CA Account Number: ____________________________________________________

SI Amount: Actual accrued instalment (Applicable for Monthly Interest Scheme)/EMI_________________________________ (In words _________________________________________
______________________________________________________________________________________________________________________________________________________)

I have taken a …................................... loan from Bandhan Bank and would like to avail of the standing instruc�on facility offered by your bank to make repayments towards my loan.
I therefore, request you to accept this mandate to debit my Account Number as men�oned above towards recovery of repayment dues of my loan account as per due dates & terms and
condi�ons men�oned in the loan agreement schedule or as per revised instruc�ons basis requirements as communicated from my end in the line with the Bank's Policy.
I undertake to maintain sufficient balances to cover the loan repayment dues (and charges, if any) on the s�pulated due dates. I also understand that failure to repay my loan amount
through this standing instruc�on shall be treated as default in repayment of dues and all charges/penal�es/levies as covered by the agreement will hold good towards the non-payment
of obliga�ons.
Please treat this as an irrevocable consent and authorisa�on to debit my account every month with the required amounts towards the repayment of my loan.
In the event of the above account ge�ng closed/transferred for any reason, I will in�mate to the Bank the new account opened with the Bank to debit the loan repayment amounts as
per the agreement. Further, I undertake the responsibility to provide the fresh set of mandate and security PDCs for such new account, as per terms of the agreement in lieu of exis�ng
instruc�ons.
I also understand and accept that the amount can be revised at the sole discre�on of the bank, in case of any change in the interest rate and the Bank will have the right to set-off, without
prior in�ma�on to me, the available balance in the designated account for recovery of overdue instalments and/or charges (if any) in the loan account.
Thanking you,
Yours truly
________________________________________________________ ________________________________________________________
[Name of the Account Holder] [Signature of the Account Holder]

(FOR OFFICE USE ONLY)

VERIFIED
1. Customer Account Number ___________________________________________________
2. Customer Signature _________________________________________________________
3. Customer Account Status is Ac�ve _____________________________________________
4. Mode of Opera�on verified __________________________________________________
(Seal and Signature of Bandhan Bank Offical)

DEMAND PROMISSORY NOTE

` …................................................

ON DEMAND, I, ….............................................................................................................................................., promise to pay to BANDHAN BANK LIMITED (“the Lender”) or order the sum of
` …........................... (Rupees ….................................................................................................................................. only) together with interest from the date hereof, at …..................% per
annum or such other rate the Lender may fix from �me to �me, compounding and payable with daily/monthly/quarterly rests, for value received.

Place: _________________
Date: …...../......../20…… Revenue Stamp
The borrower/s has/have to sign across the revenue stamp & DP note. of ` 1/-
to be affixed

Page 09
 Important Terms and Conditions – Gold Loan:
(To be signed with the application form)

Gold Loan will be available against Gold Ornaments only.

Processing Fees: The Bank shall charge a non-refundable processing fees at a certain % of the loan amount plus GST (If applicable) as per schedule of charges updated in the website from
�me to �me.
Rate of Interest: Fixed Rate of Interest: Interest on the loan shall be charged at the fixed rate of interest (detailed ROI for specific case as men�oned in the sanc�on le�er) on daily
reducing balance at monthly rests. Conversion of fixed rate to floa�ng rate of interest will not be permissible at any �me during the loan tenor.
Schedule of Charges: The Bank retains the rights to alter/add any charges or fees from �me to �me or introduce any new charge or fees, as it may deem appropriate. The charges as on
date are as follows
Gold Loan- Schedule of Charges **
Descrip�on Charges
Loan Processing Charges 1% of disbursement amount
Cheque Bouncing or Failed SI Charges Nil
Late Payment/Overdue Charges NA
Part Payment Charges Nil
Repayment swapping charges Nil
Foreclosure statement Nil
Foreclosure charges on Fixed rate Nil
Document Retrieval charges NA
Duplicate Amor�za�on schedule NA
Statement of Account Nil
Duplicate NOC Nil

**Subject to modifica�ons as no�fied by the Bank on its official website, from �me to �me.

Repayment: The loan is to be repaid in Monthly Interest/Equated Monthly Instalments over the tenure of the loan. The repayment of instalment commences from a date specified in the
sanc�on le�er. The liability to the Bank will be ex�nguished only when the outstanding in the loan account becomes Nil, on payment of residual amount, if any.
Primary Security: The loan at all �mes will be secured against the gold ornaments against which the loan is to be sanc�oned. Such collateral should be in a form acceptable to the Bank
and shall be in Bank’s custody �ll the loan has been repaid in full, to the sa�sfac�on of the Bank.
U�liza�on or End use of the loan: The amount of the loan shall be u�lized strictly for the purpose as expressed by the borrower in the applica�on. The borrower shall not divert any part
of the loan amount towards any wrongful ac�vi�es or specula�ve purposes.
Copy of Documents: The Bank at specific request of the borrower, shall one �me provide authen�cated copies of the loan documents executed by the borrower at no cost. However,
charges will be levied for addi�onal authen�cated copies if applicable.
Disbursement of the loan: The loan amount shall be disbursed a�er relevant loan and security documents prescribed by the Bank have been duly executed by the
borrower(s)/guarantor(s) to the sa�sfac�on of the Bank.
In the event of default: If the amount due is not paid by due date, the borrower shall be sent reminders for payment of any outstanding on his loan account, by post, fax, call, email, SMS
messaging and/or through third par�es appointed for collec�on purpose to remind, follow-up and collect dues. Any third party so appointed, shall adhere to the Indian Banks
Associa�on’s (IBA) code of conduct on debt collec�on. Notwithstanding what is stated herein, it shall be the liability of the customer to ensure that the dues are regularly paid on the due
dates.
Bandhan Bank is authorized to disclose any informa�on rela�ng to the loan to any credit bureau (Exis�ng or Future) approved by Government of India and RBI or any such govt. agencies
without any no�ce to the borrower. Bandhan Bank is also authorized to make inquiries with any Credit Bureau or any other bank if required. To avoid adverse impact on the credit history,
it is advised that the borrower should ensure �mely payment of the amount due on the loan amount.

Declara�on: I have been read out and explained in the language known to me, the contents of the loan documents and all other documents incidental to availing the loan from Bandhan
Bank Limited and I have signed the said documents a�er having understood them and by signing the same I do hereby agree to abide by all the terms and condi�ons of the loan and the
clauses of the same.

----------------------------------------
Name & Signature
(Borrower)

Date:
Place:

Page 10
Declara�on of the Borrower and/or the Co-borrower Signature of the Borrower Signature of the Co-borrower

Page 11