Indiabulls LOAN FoR INSURANCE PRODUCT Customer Name Laas vu Loan Account, __VBoAB Ly Branch Name & Code _Plyrnedat bel } 1 ‘ 4 INDIABULLS HOUSING FINANCE LTD.INDIABULLS HOUSING FINANCE LIMITED (LOAN SANCTION LETTER) ~~ Lan No Date : Name of the Applicant Name of the Co-applicant Dear Customer, ‘Subject: Offer Lettor for Indiabulls Loan for purchase of Insurance Product vide CASID No: Tank you for choosing Indiabulls Housing Finance Limited (IHF. 2s your nancies for purchase of Insurance Product {oseoure yourliabily under Home Lon / Home Equity avaied fom Inciabuls, We are pleased to inform you tat with reference to the above application, we have in-principle sanctioned you a loan facility, the details of which are given below Type of Facity [Sanctioned Amount [Purpose of Loan Pruchase of Insurance Product of oan Tenure (Months) interest Type Fixed / Adjustable Rate of interest Details of Loan Facility : Rate of Interest ved eI) [0 po he tars ofthe loan agreement’) Adjustable interest Rate(AIR) ICLR (Indiabulls Commercial Landing Rata notified time to time) + Margin Fixed interest Rate Period [As per terms of loan agreement JAdjusiable Inierest Rate Period | As per the terms of he loan agreement Sanction Leer Valilly [30 days from the date of hs sanction fetter First instalment Amount Rs, “Fest EMI amoun> Processing Fee Received, itany | Rs. Je vide chyDD no. (Non Refundable) ‘érawn on (bank) Dated ‘jae incest Rat ( IR) means te ICLR + te margin ay, 8 spaite by IHL shal be epee on he rt fhe month lowing the mani of he yer (as per English ealenda) in which FRRis changes Mere paplsble axes duos and vies woud be addionaly charges as perl ‘Special Conatons (as appa) +. Exooubon of Loan Agreement and cer documents bebween you anéIHFL a pe its policy ard fort. 7. Other tens and conitons mentoned overeat ‘You inaouls Sales Manage! Relationship Manager Mr ‘en reach him/her on +91 wi esi youin loan csburserent. You Fae ater a kar OT your ozaGtace the tes and condone mentioned above and ove. ‘Thanking you eon Wve do her by conf Acceptence of the tr of is sanction later & reat af a copy ofthis sanction attr Ahora signatory Branch address Borrowers Signstue + Read overeat fo éetaied tems & conditions (alan sion wath,Terms and Conditions 1. The sanction of loan amount and its terms and concitions are subject to execution of Loan Agreementiand other documents and writings with Indiabulls Housing Finance Limited (hereinafter referred to as IHF"). The terms and Conditions of Loan Agreement andior the other documents will prevail upon this letter in case of any contraction! conflict itference. »: Ths sanction sallbe avaible othe Borower fra period of 30 days from date of hs ater provide he Borower omnstemh HFL the adminis charges expensex/precetermined expenses monioned overaa ato me of saree tne geceptod copy of Bis lle t AFL, The processing fe ceived i non-ofundable. Fr details ofthe various fees and charges eppicablo, please roferwebsio 3, This loan faclty is sanctioned for purchase of Insurance product, as per the request of the Applicant andlor Co Applicant, therefore, disbursal cheque will be prepered in favour of Insurance Company of selected! respective insurance product. Insurance isa subject matter of socitation and therefore, optional for the Borrowers toavall hese insurance covers: 4. This loen facility wil be available on demand, However, HFL shall be ented to withhold andor cancel the Loan or ‘any part thereof withoutassigning any reasonforthesame. 65: IHEFL shall be ented to revoke the sanction and to add, o delete or mocify all or any ofthe terms and coneitions of the faci inter aia, if there is any material change in the purpose(s) ofoan fait tfany information andlor statement {gwen by Borrower is found incocect, incomplate or misleading, i tere is breach ofthe terms and cordtons ofthe facil, if any roport ke lagaltechnicalvaluaton of the property isnot found satisfactory, tre Borrower does not submit duly accepted copy ofthis sanction letter to IHFL within stpulated perio, etc ete. NFL decision in respect of ‘material changes shall be final and binding an the Borrower. 6, Repayment of loan amount willbe through insalimentsiEM's comprising of principal and/or Interest. IHFL may ints ‘ole alscretion, alter the rate of interest suitably and prospectively unforeseen or extraordinary changes inthe money market conditions take piace. 7 The prepayment of the loan shall be made and accepted 2s per policy and rules of IHFL and in accordance wih sletutory guidelines, issued from time to time and as applicable at the time of prepayment. Where there fs no Pokey, fules and guideline then te prepayment fes and charges shallbe applicable as per tho tems of ean agreement and the mutualy agreed prepayment charges, more particularly mentioned in the schedule of the loan agreement. For tals, kindly refer the prepayment link provided on the Indiabulls website, £8, The rae of interest applicable tothe joantacity shal be as prevaiing onthe date of disbursement anda stated in the Loan Agreement. However, the rate of interest is subject to revision due to change in Ref, rate, wich in arn intuenees the EMl or tenure. Consequent fo any such upward change in rate of Interest, repayment period wil Be txtended subject oflfiment of Age ctiteria and maximum loan tenure futher upto 30 years, The reset date shal be ‘rectwe from 1st day of month following the montn in which IHFL Reference Rate is changed, All customers are intimated of any change in the applicable Ref rate. Further, besides sending of individual intimation, such changes 19 the rate ofinterest are duly notified & displayed on the website of Indiabulls. 9, 1HFL has sanctioned the losrVfacity on the basis of the calculation and estimation of the costs to Be incurred for futfling the Purpose(s).H the cost of fufiling the purpose(s inereasos above or fats below the calculated amour, IHFL reserves the right to cancelthe loarvfacility or reduce the amount sanctioned atthe soe discretion of MFL and ine tSifllee. (ae ah pirmy YH),decision of FL in that behalf 410-The foan amount nd terms sanctioned by IHFL, besides allother terms and concition, against applied amount and tenureis final and abiding to all the Borrower. +1, The Bortouers can access thoi loan account detalls through ertine login. The copy oF statement of account can ‘alsobe obtained on request rom thenearby branch. 42. Termsrelated toAdjustable interest Rate: {) Indiabulls Commercial Lending Rate (ICLR) shall mean the percentage rate per annum [rom tine to time and U Redlonngunced by IHFLin such rmandmanneras deemed appropiate by IHF rom time totime as C1 {i)Agjustable Interest Rate means ICLR and the margin. ian, as spectied by HFL shal be applied byIHFLon the first i resmonth felling the month (as per the Engish Calendar) in which ICLR changed. Adjustable Interest Rate would change based on changesin ICLR. 42: NBL shall not pass on loan 8 KYC related information ofthe Borrower, except for regulatory requrements Ike furnishing information to CIBIL, FIU or other to Statutory Bodies. 44, Recovery Overdues/Badl debs: Is duly ofthe Borrower to ropay loan amount wih applicable inierest alongwith ail dcelchargesfees levied 2 per agreed torms ofloan agreement. However, inthe event of defauitin re-payment of any ofthe above, IHFL reserve the rightto recover overdues by resorting to legal &parmissipiemeans. +5. indiabuls Housing Finance Limited facitates resolution of customer's grievances at reecfcosl. Inte evento! any omolein the Borrower may Visit the nearest IHFL branch or send e-mail at grievance. In@lnckabuls.com oF make calltocustomer care. {h Incase the grievance isnot resolved within reasonabetime, he may escalates complaints to he following higher sony: The generalmanager, Reserve Bank orci, Dept. of Nonbanking Superson, 6 Sansad Marg, New Dathi- +1000 . Email énbsnewdethi@rbi.or.in {iit tne Boroweris nat satsfedby the resolution ofered by IHFL, the Borrower may thot ake forwate is grievance eon Gonerel Manager, Clo, National Housing Bank, Deparment of Regulaton & Supervision, (Compal ‘Redrossel Cel) 4th Floor, Core 5A cia Habitat Conte, Lod Road, New Dehi-110003, Emil crcal@rhe O70 or tray upload hs complains though For any further query/comlan. please contact at Care Desk at Branches orecall at fol Free customer Care No 1800-200-7777 or write tocustomercareatnomeloans@inciabuls.com. + Fordetailed terms and Conditions, please referthe MITC documenton Website Borrowers’ Signature Sp Qaar wom soothLOAN AGREEMENT THIS LOAN AGREEMENT is rrade at the place and on the date set out in Schedule | hereunder between the Borrower(s), whose name(s}, addresses and otner details are mentionedin Schedule, and Wis. Indiabulls Housing Finance Limited, 2 company as defined in the Companies Act, 2013, with its registered eee situated at M62 & 63,1" Floor, Connaught Place, New Delhi 110001 and having Corporate identity Number: {hereinafter referred to as he Lender, which expression shall, unless repugnantto the subject, Zontextor meaning thereo}, be deemed toinclude its executors, successors and assigns). WHEREAS the Borrower(s) and the Lender have entered into a loan agreement dated andlor wadendum(sVamendment(s), any, thereto (Principal Loan Agreement(s)] for @ loan amount (Loan(s)), more fortculay mentioned inthe Arle 13 herein below, subject to the terms ane conditions contained in the Loan Documents. [AND WHEREAS (a) the Borrower(s) have now requested the Lendor for grant ofthe Loan (hereinafter defined) fo the Barronertalforavaiing insurance wit aniniention to secur thei allies under the “Principal Loan Agreement(s) aoee onder all flure loan agreements with the Lender; (b) after considering the request of the Borrower(s), ‘Re ree toe agreed to grant the Loan tothe Borrower(s) subject to the terms and conéitions contained in the Loan Documents. [AND WHEREAS pursuantto the aforesaig, the Parties have mutually agreed to execute this Loan Agreement, NOW THIS AGREEMENT WITNESSTH AS FOLLOWS: BOW TS fre Borrowerls) availed! intend to aval Insurance Product of hislherftherlts choice for his/herthatrits aneft and secur, The details ofthe Insurance Product(s) are more particulary detailed in the Article 42 of the Loan ‘Agreement. 2, Subject tothe provisions of the Loan Documents, the Lender agrees to land to the Borrower(s), and he Borrowerle) agree to Dortow from the Lender, the Loan mentioned in Schedule hereunder. The Loan (eublert aortic f any) may be disbursed i ful rin uch tranches as mentioned in he request for cisbursal ofthe Loan by the Borrower(s) oras deemed fitby the Lender 3, hasbeen futher mutual agreed and decided that alters and conditions of the Loan Agreement she oe Fe saris evithes been agreed and accepted inthe Principal Loan Agreemont(s) and the samehas not been repeated the saree sake of breviy. Is agroed thatthe Securites and guarantees created be created pursuant t he ae Loon Agreemen(e)infavourotthe Lende shal continue to subsist andbe vaitilthe payment repaymentoy cas eainis paysole/tepayabo by the Borrower(s) othe Lender as per the terms ofthe Principal Loan Agreement) adhe Leenégreement and such securities shallbe released after payment repayment of the entire amounts due fo the Lender, fromthe Borrower(s). ‘4, Notwithstanding anything tothe contrary contained inany agreements), the Borrower expressly accepts) ane doree(6) nat ia breach/defaul/an evont of default occurs under any agreements) (mciucing the Loan Documents) Perea) Tajine Boctower andlor eny group enitylenttisiassociale Company of the Borrower and (0) the Lenses ae arocan ofthe INDIABULLS Companies, thon such a breach/defaull event of default under such agreement(*) Sa! sre ec ar evento Defaull under the Loan Documents and vce versa and then in such an event, the Lender anolor ty REO INDIABULLS Companies shal, witout prejudice to any of tstheir speciicrghts under each ofthe agreement, Se absolutely entitled to exercise all or any of litho rights (including Loan recall) under any of Such. agreements facging the Loan Documents) altho sole discretion ofthe Lender andi the INDIABULLS Companies. The term (INDIABULLS Companies” shall mean and include the Lender, the promoter(s) of the Lender and/or any other ~associate/group companies/ entities ofthe Lender, present or future 5, Thattherepaymentof Loan Amount shal be done, in accordance with ne terms stipulated in the Schedule of fis Loan Agreement executed wih an intention to incorporate, besides the common details, the varying cetele of to reales! agreed fo aval by the Borrower(s) under this Agrecment and ts amortization, The schedue of is » tare tSemont hal be independent Principal Loan Agreement(s) and shal be enforceable, In case of at, sean aareety The schedules shall not have over citing effect on either of any of the schedules especialy fer eee eeaion of amorizaton process of oan facies under the Principal Loan Agreements" and tha of Loans) lent’ agreed tolend underthis Loan Agreement. aay sores Brith6, The Borrower(s) agree thal tis Loan Agreement constitutes legal, valid and binding obligation on hem, enforceable in accordance withitsterms, 7. The Borrower(s) agree thatthe execution, delvery and performance of tis Loan Agreement Have oo? 7. porzoh bral roquste organization acton and does not end will not volte any appcable lew, violate sete authored ya toh orany other formation or organizationel document, or contravene any provisions cf. of corstiute act oa orehy otnor agreement or Intrument to which ivherney isle a patyparies or by which Rhelthey or itsiisheir propertyiproperties may be bound. 8, __ThePartesagree thatthis Loan Agreement shat be binding upon and shal inure othe benefitofthe Parties. ©. Any capitalized terms used and not defined herein shall have the meaning 26 ascribed to such terms in the Loan Documents. 10. That noting in the present loan fect shal be construed as contrary o the terms and condions of the Principal Loan Agreement(s). 44. That the borrowers agrees with the Lender that all terms, covenants, representations, warrapiees, 2S 7 ponse a the principal loan documents challbe applicable with fl force and effet fr this Loan Agreement re under 42. Thattheloan acoount number's of Principal Loan Agreement(s)" DETAILS OF PRINCIPAL LOAN AGREEMENTS A, LoanAlcNo. => B, LoanAlcNo. = CG. Loan Ale NO, sesrstnsarsternten 43, That the dotails of Insurance Product of Borrowers choice are as under:- Name of Insurance Company: = ‘Tenure of Insurance Cover = Premium Paymenl cheque favoring = [gaan arary yw, SilSCHEDULE I APSID : 1130764 Product : HE |S.No. Items Information to be Inserted J. __ Date of the Agreement 09-AUG-2021 2 Loan Upto Rs.95411 /-(Rupees Ninety-Five Thousand Four Hundred Eleven Only) 7 i 60. ( Sixty ) months from the Date of Disbursement of the Loan or any part thereof, Seon whichever is earlier, under this Agreement, unless otherwise spectied by the Lender 3s per Tenure”) the terms ofthe Loan Documents, Subject to the other provisions of the Agreement: the interest Rate(s) per annum shall be at par with the prevating Retal Commercial Lending Interest Rate(s) Rate (per annum) ("Benchmark Rate”) as dedared by the Lender(s) (or any successor(s) (“Interest Rate(s)”) thereof) from time ta time less ~3.75 basis points (ve. the spread(s)). {ls clarified that the current Benchmark Rate is 12% per annum and therefore, the current applicable Interest Rate is 8.25% per annum. 5, Processing Fees ‘As mentioned in the Sanction Letter dated 09-AUG-21 Namme:SANTOSH MANGLAJI PRAJAPATI Constitution INDIVIDUAL Age (i applicable): 44 Borrower(s) Father's name(if applicable): MANGLASI NAVAN PRALAPATI ba Address/Registered Office Address: A/10 , NAIMESH SOCIETY , NR JALTARANG BUS STOP, SIVRA PARK ARMEDABAD AHMEDABAD Corporate Identty Number (# appable): Permanent Aecount Number:AODPP6OS7H Tame:PRAJAPATI DINESHAUMAR MANGLAII ConsttioNOIVIDUAL i Age (i apcable)-42 a Co-Borrower(s) Father's neme(if applicable):MANGLAJI PRAJAPATI Address /Reaistered Office Address:A/10 , NAINESH SOCIETY NR JALTARANG BUS STOP, 5IVRA PARK ARVEDABAD AHMEDABAD Corperote Identity Number (F applicable) Permanent Account Humber:AOIPFO3S6A Nome: Constitution eareartal ‘Age (Ff applicable): 8 Father's name(( appicabe) Address (Registered Ofice Acldres ans aes Corporate Identity Number (f applicable) Permanent Account Number: CConstitution:INDIVIDUAL ‘Age (F applicable):44 ; Hypothecator Father's name(f applicable): MANGLAII NAVATI PRAJAPATI ‘Address/Registered Office Address: A/10 , NAIMESH SOCIETY , NR JALTARANG BUS STOP, JIVRAJ PARK AHMEDABAD AHMEDABAD “arporale entity Number (¥ applicable): Permanent Account Number:AODPP60S7M | ‘As mentioned in the Losn Documents including this Agreement and such other Security and 10, Security ‘addtional Securty as the Lender may require from time to time in terms of the provisions of | : the Loan Documents. Prepayment/Foreclosure charges Payment Dishonor. a 12 gore mer ee PY ERE ns.750/-r per instance of dishonor plus apnlcable taxes13, ‘Default nterest Rate 2% (two perent) per mont. In the case ofthe Borroners) andar the Obkgor(); [Address :A/10 , NAIMESH SOCIETY , NR JALTARANG BUS STOP, JIVRA2 PARK AHMEDABAD ANMEDABAD i ii | Notices Phone 924223523 = Ft Fax: Email address:santoshprajapati4949@gm: Attention of ‘SANTOSH MANGLASI PRAJAPATT 15. Place of Execution : Ahmedabad F Sos (gear minds oan,SCHEDULE 11 ‘Subject to the provisions of the Loan Documents, the Payment/Repayment Schedule has been more particularly mentioned and enclosed herewith in Annexure I: SCHEDULE IIT ‘SAID PROPERTIES Al that pieces or parcels of land/properties as under together with all te present and/or future structures, buildings, furniture, fixtures, fittings, standing and/or plant and machinery installed/ to be installed and/or constructed)to be constructed thereon and al the present and/or future rights, ttle and/or interests of SANTOSH MANGLAII PRAJAPATI therein UNIT NO ~ A/10, NAIMESHCHSL,, SURVEY NO - 478, TPS NO - 2, FP NO - 94, NR, JALTARANG BUS STOP, JIVRAIPARK, VEJALPUR, AHMEDABAD-380015,GUJARAT IN WITNESS WHEREOF, the Parties have affixed their signatures hereunto to this Agreement on the date mentioned in Schedule I of this Agreement. Signed and delivered by the BORROWER(S): Jaaar rnd, Wild,‘Sani eos‘ANNEXURE I Subject to the provisions of the Loan Documents, the Borrower(s) shall repay/pay the Loan(s), as per the Payment/Repayment Schedule mentioned herein below or in accordance with such Payment/ Repayment Schedule, as ‘may be specified/ communicated by the Lender from time to time, Total Amount payable St. No, “bue Date(s) Interest payable (RS) Peincpal payabie (Rs) Tote 1 (05-SEP-21 655.95 1291.05 1947 7 2 " os-ocr-21 647.07 1299.93 1947 3 o5-nov-24 ese. 1308.86 1947 4 os-pec-21 620.14 1317.86 1947 5 o5-3ane-22 620.08, 1326.92 1947 “6 © as-FeB-22 610.96 1336.0 1947 7 o5-waR-22 601.77 1345.23 1947 8 05-Apr-22 592.52 1354.48 1947 9 OS-MAY-22 583.24 1363.79 1947 1 oSs7OTe “S783 S375 a5 aw (05-JUL-22 | 564,39 1382.61 1947 2 os-auc-22 554.69 asst 1947 13 o5-sep-22 545.32 1401.68 1947 14 os-oct-22 535.68 1411.32 3947 15 : 05-NOV-22 525.98 1421.02 1947 16 05-DEC-22 516.21 1430.79 1947 wy (05-JAN-23 506.37 1440.63 1947 4 18. O5-FEB-23 496,47 1450.53. A947 3 os-Man-23 4865 14605 1947 20 05-aR-23 476.45 147055 1947 a O5-WAY-23 466.34 1490.66 1947 2 05-20N-23 456.16 1490.84 1947 23 os-2uL-23 445.92 1501.08 1947 2 “os-aue-23 4356 asia 1947 2s 05-Sep-23 | asa sae 1947 =e EEE ~T s-0cT-23 14.74 2. “9947 So 27 os-nov-23 408.23 1947 28 (05-DEC-23 | 393.6 1947 2 os-3aN-24 302.02 1947 20. O5-EEB=24. 322.2 aEeueees a0: “3a TN OSMAR-24 |: S6L.34 1565.66 32 o5-aPR-24 | 30.46 1596.56 33 os-may-24 339.46 1607.54 34 os-3UN-24 | 328.44 1618.59 35 o5-3UL-24 | 317.28 1629.72 36 s-aue-2¢-————-a06.08-- .e4002-— — - 37 » OS+SEP-24 294.8 1652.238 05-OCT-24 283.44 1663.56 1947 40 05-DEC-24 ) 260.49 1686.51, 1947 42 05-FEB-25 237.22 1709.78 1947 a * gs-mar-25 225.46 1721.54 1947 is os-aPn-25 2383 insicr 1947 46 05-JUN-25, Hi ‘189,71, 1757.29 1947 a7 © os-suL-25 177.63 ” 1769.37 1947 as os aie28 i sesar a 1987 | 49 05-SEP-25 H 153.22 1793.78 1947 . ‘50 : 05-0cT-25 140.89 1806.11 1947 st 05-Nov-25 | ze? te18ss 1947 | a 52 (05-DEC-25, 115.97 : 1831.03 1947 (O5-JAN-26 103.38, 1843.62 1947 : a OS-FEB-26.0 (90.7 © 4686.3 ~~ 4947 ss oeiuwe aos is0?7 ee b 60. | os-aue-26 Saas 1862.2 1875 mI sworn t\, |To, Indiabulls Housing Finance Ltd,, Request For disbursal Loan A/C No. Dear Sir/Madam This is with reference to my loan sanctioned by your office. Request you to issue my loan disbursal cheque as + follows. Favoring 1: Favoring eee ae Loan Account No: z Amount $< Fe Favoringys* an Bank Name é A/e No Amount Favoring 3: Favoring Bank Name & A/c No: Amount Favoring 4: Favoring . Bank Name & A/c No: ‘Amount ~~ For, SRUDLD PES GALLEY eae aeeeee daar wane MY) (Signature of Co-Borrower) GianauhE ot BoroRes prietor x Name Name: ‘Signature of Co-Borrower) ” (Signature of Co-Borrower) Name: a Note: Every cutting need counter sign by borrower & co-borrower. Company will not be responsible for any change in favoring other than filled in this form.DECLARATION AND ACKNOWLEDGEMENT Schedule I 1. Mortgagor(s) - S.No Name of the Mortgagor(s) 1 | SANTOSH MANGLAII PRAJAPATI ‘AODPPEOS7M Permanent Account Number 2. Borrower(s)(including Co-Borrower(s)/ co-applicant(s), if any) = S.No: Name of the Borrower(s) Permanent Account Number 1 SANTOSH MANGLAII PRAJAPATT ‘AODFP6OS7M 2 PRAJAPATI DINESHKUMAR MANGLAIT AOIPPO3S6A 3, Loan Agreement(s) Date - 09-AUG-2021 4. Loan(s)- Upto Rs. 95411 /- (Ninety-Five Thousand Four Hundred Eleven Only) 5. Place of deposit of the Title Deeds : Ahmedabad 7. Date of execution of this Declaration and Acknowledgement : 8. Place of execution of this Dectaration and Acknowledgement : Ahmedabad 9, Notice/communication to the Mortgagor(s) : ‘Address :A/10 , NAIMESH SOCIETY , NR JALTARANG BUS STOP, JIVRAJ PARK AHMEDABAD ANTMECABAD Email Address : santoshprajenatil4949@amall.com Telephone : 9924223523 o By ~ Attention of ‘SANTOSH MANGUUT PRAJAPATI Schedule I-A ak er OP hh Sescription of the property | UNIT NO- A/T0, WAINESHCHSL,, SURVEY NO 478, TPS NO ~2, FPWGES4, NR. DADEARANG BUS ‘STOP, JIVRAJPARK, VEJALPUR, AHMEDABAD-380015,GUIARAT 7 sete gab ‘Schedule 1 er Title Deeds (day mom, Ash,DEMAND PROMISSORY NOTE prace fUrnedaled & DATE 64! Rs. : ondemand, wwe Sumbast, Men lot) Pusuta tt (Jointly and Severally) the undersigned, hereby unconditionally promise to jointy and severally pay INDIABULLS HOUSING FINANCE LIMITED (|HFL) having its Regd. Office at M-62 & 63, tet Floor, Connaught Place, New Delhi - 110001 or order at Delhi the sum of B Rs_ 484 (Rupees MY nm only) along with interest @ 4.26 —__% p.a. orat such other rate as INDIABULLS HOUSING FINANCE LIMITED may fix from time to time, payable with monthly, for value received isoy 2 stamp to be affixed) presence of below mentioned ed by the respective Boards of Directors. rectors, pursuant of Board Resolution (B.R.) pass Co. Name/B.R. Date Co. Name /B.R. Dale Co, Name/B.R. Date Director Name & Sign Director Name & Sign Director Name & Sign Director Name & Sign Director Name & Sign Director Name & Sign O Su 2 Cae nts wt i 1yptn : : | { vie mee, aeeeeeactehtBi. ‘Our Reference No. Name of the Applicant 1130764 Address 380084 Gt Phone No, 99242235; Name of the Co-Applicant ‘iGuarantor 41724900 ladiabulls HOME LOAN: LOAN SANCTION LETTER Date 09.AUG-2021 MR. SANTOSH MANGLAWI PRAJAPATI ‘N10, NAIMESH SOCIETY , NR JALTARANG BUS STOP, JIVRAJ PARK AHMEDABAD AHMEDABAD UJARAT INDIA 23 PRAJAPATI DINESHKUMAR MANGLAJI Dear MR, SANTOSH MANGLAJI PRAJAPATI ‘Subject : Your application for HOME EQUITY facility rom indiabulls: Our Reference No: 1130764 ‘We thank you for choosing Indiabulls Housing Finance Limited as your financier for HOME EQUITY, We are pleased to inform you that with reference to the above application, we have in-principle sanctioned you a loan facility, the details of Which are given below “Type of Facity HOWE EQUITY “Sanalon Amount wit Insurance ‘eat Premiurr (Rs. Reto Ei Ament : Loan Tenure (ont) 30 terest ype AR ie aie ofteres 225% Per anu Tet Adstable Iieest Rate/R) 'RCIR (Reta Conmercal Lending Rate) 375% Magn Curen RCLA-I2% ‘Sanction Letter Valsty ‘BO days from the date of his offer. Tat otal Processing Fee Applicable Nit EU IS Pro. Fee (Non Retursabe) a ct ai ij iv Balance Proc. Fee payable(tobe | NIL rt OVEN AA ecucies tenrditersemert : ci} kt) Wc ‘Adaress of Properly Ofered a ~ | UNIT NO- A/t0, NAIMESHCLSL SURVEY NO; 176, TPS NO - 2, FP NO-04NR. Securtly 4 [AALTARANG BUS STOP JIVRAJPARKVEJALPUR AHMEDABAD GUJARAT 300015 Database Admin Fee {/eeprren 7 7 > | Roncaleony'n the fit insia a france‘ he same propery. Tega & Vataton fee 77] Re O00 auene ores =~ Tote f ye + nadlancs thea materstfoleton. } AL | ‘ile appicabe faxes Cues apd levies woul be acionaly Charged as er aw + ROL ite sper aplablerekerenoe te tthe ie of disbura RObisidetesmined on aséesmentof the tisk profie of the Applicant(s)and-other parameters. ——- = This lelter supersedes any sanction Iter issued earter, with reference to eppication number 1130764 ‘Special Conditions (as applicable) : 1. Legal and Technical clearance / verification ofthe property being financed and verification of documents subrritted. 2. Execution of Loan Agreement snd other documents between you and, Indiabulls Housing Finance Limited as per its policy _—-and.fownal nba 3 The Borroxtér/s Shallbear stamp duty, registratich fe8s znd other incidental charges/eosts, in relation to the Loan Documents including charges for creation of secutty in favour of Lender. 4 Notwithstanding anything to the contrary, in cage the Loan limit is Not fully drawn/disbursed within 12 months from the date of frst disbursal, due to any reason whatsoever, Indiabulls reserves right fo suspend further disbursement of the Loan and dovinsize the loan limit to avalied amount, pursuant to which, the Borrower shall be liable to commence payment of Equated Monthy Instalments (EMI). Banking/SOA of Santosh Mt Prajapati/ the KCCB Lid / Ac No 03040100140 to be documented in fle CA certified financial of both applicant CONE eaTHTETE 8. F&F agreement to be documented 9 Banking of Santosh Prajapati/ ICICI Bank / Ac No 346601002243 for last 9 mths to be dacument in fle 40 BT-norms to be met 1 ‘0 be completed 8 6 aw Garden, esridge ‘G79: 3DHB4GOO Page 1016 coreBEE EEE eee eee eee eee eee z . s1724000 Indiabulls ‘ FOIEUSENS 4 LOAN SANCTION LETTER ita ur Reference No, ‘20764 Date 02.aUG-2021 Name ofthe Appicant MR, SANTOSH MANGLAI PRAJAPATI ress AIO, NAIMESH SOCIETY, NR JALTARANG BUS STOP, JIVRAJ PARK AHMEDABAD AHMEDABAD 380051 GUJARAT INIA Phone No, 9924223523 12 _Allthe applicants & Co applicant of BT Loan to be taken on loan structure 13 ITRs of Mr Dinesh M Prajapati to be document in file 14 Sub to positive legal and technica, 15 Sub to positive credit checks, 46 KYC norms to be met . | 17 Lady Co Applicant to be taken on loan structure 18 Latest LOD and LOS to be documented 19° Life Insurance Must 20 Registered Mortgage is mandatory. 21 Repayment from Appiicant?s operating current account only 22 SPD Letter to be document | 23. Sub toposive F1.& FCU 24 _if the borrower is_a Non-Individval ie. Company, Fim, HUF, LLP, Trust, Society or a Proprietorship , entity, andlor if loan is used for business purpose , Pre-Payment charges shall be applicable as per the policy of the IBHFL. Further, ‘prepayment of loan during the appliccbilty of Fixed Rate of Interest shall be subject to pre-payment charges iespective of ‘nature oF type of borrower or co-borower - Refer the pre-payment charges on the Indiabulls website: ‘ww indiabullshomeloans.com - ‘ 25 Other terms and conditions mentioned overteet, faye 26 Final loan approvaldisbursal is subject to legaltechnical verification. ‘achia, Opp, Mayors Burgeo, Law Goren, Eisbége _Armedsbed 380006 Gujarat Inga Ph 7S GOO Page 2 0f5 omits ara ——41724900 fndiabulls fadirtauks fect LOAN SANCTION LETTER i Our Reference We sora dae 08.aU6-201 Name che Appian MR. SANTOSH MANGLAM PRAJAPAT! padess ‘A, NAESH SOCIETY , NR JALTARANG BUS STOP, .IVRAJ PARK AHIIEDABAD AKMEOABAD 380051 GUJARATINOIA Prone Ne, 223823, MOST IMPORTANT TERMS AND CONDITIONS 1, The sanction of loan amount and its terms end conditions are subject to execution of Loan Agreement and other documents, ‘and writings with Indiabulls Housing Finance Limited (hereinafter referred to 2s “IMFL'). The terms and conditions of Loan ‘Agreement andfor other documents will prevail upon ths letter in case of any contradicion/confictiference. 2, This sanction shall be available fo the Borrower for 2 period of 30 days from date of this letter orovided the Borrower deposits with IHL the administrative charges/expensesiore-determined expenses mentioned ovedeat at the time of delivering the ‘accepted copy of this letler fo IMFL. The processing feas received is non refundable, For details of the vatious fees and charges applicable, please refer website. 2.1 All Fees and charges shall be applicable as per prevaling cates published by the company on its website, facity, inter alia, there is any material change in the purpose(s) of loan faciiy, if any information andior statement given by borrower is found incorrect, incomplete or misleading, if there is breach of the tems and conditions of-the facity, if any report like legaltechnicalivluation of the property is not found satisfactory, if the borower does not submit duly accepted copy of this sanction letter 10 IHFL within stipulated period, etc. etc. IHFL decision in respect of material changes shall be final and binding (on the borrower. 4. Repayment of loan amount wil be through insialiments/EMIs comprising “of principal andlor intrest. Repayment of loan ‘amount can be done through electronic mode only. IHFL may in lis sole disoretion alter the rate, of inlefest Suitably and prospectively if unforeseen or extraordinary changes in the money markél conditions take place. ya ay \ a \ \ 5. rre pnt fe. tans eae at sel at iE then the pepoyment foes and chops sale cpolcale ae erhe agreed Yeris of aan agfeenart more garicisry mentored te sched of be lode arian ay Elle, nd rele) te Freamént ik proved onthe Indaba websie. ya \ Ale) LN 6. The ale of interest apoticableo the. \Ganifaciy ‘shal.be_aé prevalng' onthe date of disbursement and as sated in the Loon Agreentent.| However.“thé rate of intereXt:is|sbbject Yo. revision® which in tum influences the Eifl or tenure.Consequent to any such uBward ctiange in.rate\Of Interest, residual repaymeni-period cen be extended beyond-approved loan tenure to adjust such~ inarease| wiereve,requied’ The reset date shall be eflecive Vi’ 16 day of month folowing the monin in which THFL Reterence Rete is ‘changed AN Customer’ are intimated of any change in the applicable Ref rate. Further, besides sonding of individual ntenatlon, Such changes nthe rate of interest are duly notified & displayed onthe webste of Incabus 7. THFL. has"senctioned the loan/fecity on the basis of the calculation and estimation of the cosis to be incurred for futiling the Purpose(s). if the cost of fulfling the purpose(s) increases above o falls below the calevlated amounts, IHFL reserves the right to cancel the loanfacity or reduce the amount sanctioned at the sole discretion of [HFL and the decision of IMFL in that behalf shall be binding on the Borrowers. final and abiding to ali the borrowers. However, IHFL reserves its right to review and reappraise the loan facilty during its continuity in terms ofthe loan agreement fo be executed towards disbursal of the loan amount. 9. IHFL arrangesHfeciltates services to those customers who are interested in obtaining Life and Non Life insurance cover from ‘certain Insurers. Insurance is a subject matter of solicitation and therefore, optional for the Borrowers to avail these insurance covers. 10. The Borrowers can access their loan account detais through online login. The copy of slatement of account can also be Dblatned 07 request om The nearby branch ‘est oor, Radhika, Opp, MayorS Bungalow, Law Garden, eisbridge Al Oa SDEBAOT = Page actfadiabulls eee OMe LOANS LOAN SANCTION LETTER ‘Our Reference No, 1130764 Date 08-AUG-2621 Name of the Applicant «MIR, SANTOSH MANGLAJIPRAJAPAT Address ANNO , NAIMESH SOCIETY , NR JALTARANG BUS STOP, JIVRAJ PARK AHMEDABAD AHMEDABAD 380051 GUJARAT INDIA Phone No. 9924223523 PDD to be collected of Link LAN’s TaN Ho Tate Documents 1128365 (Cu SALE O=eD LEGAL VETTING WOE ‘RO DUES CERTIFICATE TRO OBIECTIONTUEN LETTER ‘OTHER DOCUMENTS! SALE DEED -N- ‘SALE OEED- NZ "SHARE CERTIFICATE -N BORROWER WAME Please sign this itn of your acceptance othe arms and conions mentoned above and overeat pGNA Lites ‘ 1 We acknowedge the receipt of copy of Sanction Letter and Accept the offer : wih f - - yobs Authorised Signatory Date Applicant's Signature / i ; sah (Ce % 9 | 2 st \ ic Page Risa piven CN. 11724900 : Incliabulls ACEEIZaNS He LOAN SANCTION LETTER | ur Reference No 4130764 Date 08-AUG-2021 | Name of he Applicant MR. SANTOSH MANGLAJI PRAJAPATI | ‘A‘10 , NAIMESH SOCIETY , NR JALTARANG BUS STOP, JIVRAJ PARK AHMEDABAD AHMEDABAD 380051 GUJARAT INDIA Phone No, 9926223523 11, Terms related to Adjustable Interest Rete. () Indiabulls Housing Finance Limited - Retail Commercial Lending Rote (IHFL-RCLR) shall mean the percentage rate pet ‘annum from time 10 time and notified/announoed by IHFL in such form and manner as deemed appropriate by IHFL from time to time ag ]HFL-RCLR, (i) Adjustable lnterest Rate means the IHFL-RCLR and the margin, if any, as specified by IHFL shall be applied by IHFL on the first of the month following the month (as per the English Calendar) in which IHFL-RCLR changed. Adjustable Interest Rate would change based on changes in the IHFL-RCLR, 42. IHFL shall not pass on loan & KYC related information of the borrower, except for regulatory requirements like furnishing information to CIBIL, FIU or other to Statutory Bodies. 18. Recovery of Overdues/Bad debis: It is duty of the borrawer fo repay loen amount with applicable interest along with all dues/cherges/fees levied as per agreed terms of loan agreement. However, in the event of default in re-payment of any of the ve sservethe rghtioxc00v. 9 fesorting totegel-permissiblemesns— Address 14. Indiabuls Housing Finance Limited fecittates resolution of customer's grievances at fee of cast, In the event of any complain, borrower may visit nearest branch, register query via grievance form available, on our website at ink hitosd/ywwindiabullshomeloans.com/contact-usicustomer-service! or call our customer (Care.if the borrower is not cased bythe resoliion offered by the company, helshe may Ie to lake forward hisher eieverce wih National Housing Bank and may todge complaint in online mode at the lnk Hips:Vgrds.ntbontine.orgin OR in offine mode by post, in preccibed format avaiable. at Wik hifsdinhb.orginkiizencherterComplint formpdl, 12 cofplaat Restessal Cel, Besetment of Regulation & Sypenision, Natonal Housing ank, Departmen! of Reguaién & \Suponisisn, (Complaint Redressal Cel), 4th Floor Core 5A, India Habitat Centre, Lodhi Road, New Delhi - 110003. \ \ \ C Co For any further queryloomplaint please contac at Care Desk at Branches or call atl 1a tustomer Care No_ 1800 572.7777 or write to customer care at homeloans@indiabulls.com. EL ri tiyiicty —-¥ Fordtaied ts and Gorions, peste efer te MTG document’ on WabsTe “SSH We acknowledge the receipt of copy of Sanction Letter and “Actept the offer \ A Further uWe have read the mode! Loan AgredmenipiSaded on the offal website-of India At a and understood the terms & condons stipulated inten. | : bulls Housing Financo Limited \ : Suit \ ppticanvs Sign —aati, I eT