JAG25JA068648 Date:28-02-2025

CHITHAARI VASANTHA

Subject: Sanction Letter

Dear Sir / Madam,

Wearepleasedtoinformyouthat,basedyourrequest,wehavesanctionedtheloanasperthetermsandconditions mentioned below:

Loan Rate of Rate of Interest Type Tenure EquatedMonthly Login Fee Processing CERSAI FEE
Amount Interest Interest Instalment(EMI)* Fee
Sanctioned (Including (Excluding
Advance Advance
EMI) EMI)
₹ 9,50,000 /- 13.00% Per 13.00% Per Fixed 84 ₹ 23,292 /- ₹ 2,001/- ₹ 22,420/- ₹ 590/-
annum Annum Months (inclusiveof (inclusiveof (inclusiveof
GST) GST) GST)

(Hereinafter, referred as the“Loan”)

*Indicative and subject to change based on actual loan amount.

ThisSanctionLetterisbeingsenttoyouintwooriginals.Youarerequestedtoreturnthesecondoriginalofthisletterand Annexure – I duly signed
(on all pages) by all relevant parties as a token of having accepted the terms and conditions hereof.
Thissanctionisvalidfor60daysfromthedateofthisletterunlessextendedinwritingbytheLenderatitssolediscretion. The Terms used

in this Sanction Letter but not defined shall have the meaning assigned in the Loan Agreement.
This Sanction is subject to the legal, financial, technical, KYC and other due diligence of the Applicant, Co-Applicants and the

Property to the satisfaction of the Lender and the other conditions mentioned inAnnexure – I.

Ifyouneedanyclarificationpleasefeelfreetospeaktoourrepresentative.Welookforwardtobeinyourservice. For

Authorized Signatory

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

1
 Annexure – I

Terms and Conditions

1. Details of the Borrower(s) : CHITHAARIVASANTHA

H NO 4 45,
RECHAPALLY,
SARANGAPUR,
Sarangapur,
KarimNagar-505529,
Telangana.

CHITHAARIBHOODAVVA
H NO 4 45,
RECHAPALLY,
SARANGAPUR,
Sarangapur,
KarimNagar-505529,
Telangana.

2. Details of Security : Mortgage Charge on

1- CHITHAARI VASANTHA
H.No 5-87
ASSESSMENTNo.626
RECHAPALLY (V)
SARANGAPUR(M)JAGTIAL(D)KARIMNAGAR 505529
TELANGANA,
KarimNagar-505529,
Sarangapur,
Telangana.

3. Details of the Guarantor(s) :

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

2
 NALLAVINOSH
H NO 5 88 1,
KarimNagar-505529,
Telangana.

4. Type of Loan : LAP-Residential

5. Loan Amount : ₹9,50,000/-(RupeesNineLakhsFiftyThousand only)

6. Loan Term : 84 (months)

7. i)GeneralInsurancePremium : 10,405 /- (Rupees Ten Thousand Four Hundred AND Five only)
funded

ii) Life Insurance Premium funded 11,087 /- (Rupees Eleven Thousand Eighty-Seven only)

8. Repayment Date : 04th day of every month

9. PreEquatedMonthlyInstalment : PEMII shall be charged from the respective date(s) of the disbursement tothe
Interest (PEMII) date of commencement of Instalment/ EMI.
For disbursement done in tranches, the Borrower(s) shall be required to pay
PEMII (at the rate applicable to the loan) / EMI for the part disbursed loan,
subsequent to which EMI for the fully disbursed loan shall commence.

10. Penal Charges : 2% per month on the delayed amount for the delayed period only
(foranydefaultordelayin payments)

11. PartPrepaymentcharges.(Non a) Upto 12 months not allowed, Post 12 months customer can make part
individual / Fixed ROI Loans pre-paymentupto25%ofPrincipalOutstandingwithoutanycharges,beyond 25%
cases ) of Principal Outstanding customer has to pay applicable Foreclosure/ Pre
payment charges.

12. ForeclosureChargesand : Rate Description Charges

Pre-payment charges
Floating Rate of Interest
Foreclosure/Prepaymentchargeswillbe 4%
plus
GSTofPrincipleoutstandingifapplicant/ co
applicant or Guarantor are non individual
and party to loan, else
prepayment/Foreclosure charges will be
NIL
Fixed Rate of Interest Prepayment/Foreclosurechargeswillbe 4%
plus taxes of principal outstanding

13. OtherCharges(excluding : Annexure II – Part of MITC

applicable taxes)

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

3
14. Cancellation Charges If customer cancel the loan within 15 days, then cancellation charges is Rs.
10,000/- + GST; Also customer cancel the loan after 15 days, then cancellation
charges is 1% of the loan amount + GSTor Rs. 10000/- + GST whichever is higher.

15. The Borrower(s)/ Guarantor(s) confirm/declare/undertake:

a) That KYC documentation shall be completed as per policy of the Lender.
TheapplicantshallcreateanEquitableMortgage/RegisteredMortgageofthepropertyasmaybestipulatedby
b) the Lender at its discretion and the applicant/ mortgagor shall be responsible and liable to register / intimate such
Equitable Mortgage with the concerned authority, if required.
c) That they shall facilitate site visit for Lender’s representative to evaluate the Security and the constructionfinanced
by the Lender.
d) That the Security has approved plan/lay out and taxes with respect to the same shall be duly paid without failure
during the currency of the Loan.
e) That the Lender or its agents shall be eligible to verify details submitted/declared to it.
f) That they shall submit certifications required by the Lender (if any) before disbursement of the Loan.
g) That they shall execute documents required by the Lender for creation of Security Interest.
h) That they have not defaulted in any payment obligation under any financing obligation to any bank/ financial
institution in the past.
i) ThattheLoanisatthesolediscretionoftheLenderandtermsoftheLoanmaybemodifiedorcancelled,inwhole or in part, at
Lender’s sole discretion.
j) The sanction is also subject to the standard terms and conditions, according to the Lender’s rules / policies as
applicable from time to time. All statutory levies or taxes applicable from time to time will have to be borne by the
applicant.
k) Notwithstanding anything contained in the Sanction Letter, further the Lender shall have the right to cancel the
loan or portion of the limit sanctioned and shall have the right to request repayment of the loan in part or full or all
outstanding amounts owing under the Loan together with all interest and charges shall become immediately due
and payable, forthwith on demand.
l) This Sanction Letter does not obligate the Lender to enter into any further agreement; and/or to provide the Loan,
and any such obligation shall be contingent upon executing final definitive Loan Documents and creation of
security interest in favour the Lender. Further, this Sanction Letter shall stand revoked and cancelled, if there are
any material changes in the proposal for which the Loan is sanctioned; or If any event occurs which, in the sole
opinion of Lender, is prejudicial to its interest; or is likely to affect the financial condition of the Borrower; or his /
her / its ability to perform all or any of its obligations of the Loan; or any statement /representation made is found
to be incorrect; or untrue or material fact is concealed for obtaining this Loan.
m) TheApplicantshallhavetoinsurethepropertyforthereconstructionvalueofthepropertyandassignthesamein favour of
the Lender.
n) This Sanction Letter shall form integral part of the Loan Agreement executed by the Borrower and other Loan
Documents executed by the Security Provider and Guarantors (if any).
o) The Lender shall have the right to assign any portion of the Loan (disbursed or undisbursed) together with or
without the underlying security interest or the right in relation to the same.
p) The Lender may also avail refinance from any financial institution for the Loan and shall have right to transfer the
underlying security interest or the right in relation to the same.
q) The Lender may also arrange co lender or risk participants for the loan and assign its rights and obligation
together with or without the underlying security interest or the right in relation to the same.

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

4
 r) The Borrower irrevocably grants its consent for the terms mentioned in this Sanction Letter by accepting theterms
of this Sanction Letter and also agree execute documents in form and manner satisfactory to the Lender.
s) Upon full repayment/settlement of the loan account, all the original immovable property documents and removalof
charges registered with any registry will be done by the Lender within a period of 30 working days. The original
documents will be returned to the Borrower by the Branch issuing this letter.

Annexure – II MITC

Most Important Terms and conditions

MITC
Other Charges a) Cheque/ECSbouncecharges:₹1000+applicabletaxesperdishonour
cheque

b) CERSAI Charges:₹ 500 + applicable taxes, All applicable charges as

stipulatedbyCERSAIandasmaybesetoutintheloanagreementtobeexecuted

c) ForProvidingAdditionalcopiesofAgreement(Titledocument):Rs1500/- plus
applicable taxes

d) Statement of Accounts :- Rs 750 plus applicable taxes

e) Chequeswappingcharges(ECSChangecharges):Rs500plusapplicable taxes

f) List of Documents Charges : - Rs 500 plus applicable taxes

g) PartPrepaymentCharges:-upto12monthnotallowed,post12monthsupto 25%
of Principal Outstanding NIL, Beyond 25% of Principal Outstanding as per
applicable Foreclosure charges. ( Non individual/Fixed ROI Cases )

h)ForeclosureStatement :- Rs 750 plus applicable taxes

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

5
 Sanction Conditions

1.To be collect 2000/- towards legal and inspection fee

2.1. Guarantor to be added Before Disbursal
3.2. Positive Legal report
4.2. collect ICD form Below one Year Document
5. Repayment to be taken from, CHITHAARI VASANTHATHE GAYATRI CO-OPERATIVE URBAN BANK LTD , A/C No :
100020021227676
6. One Advance EMI

Acceptance of this letter is a confirmation that, the applicant has read and understood the contents as mentioned aforesaid and it
also confirms that the applicant has not been promised any free gifts/discounts or any other commitment whatsoever which is not
documented in the loan agreement with the Lender. It is further confirmed that no cash/bearer cheque has been collected from the
applicant with respect to the loan.

(SignatureofallBorrower(s)) Place:

Date:

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

6
 Annex A
Key Fact Statement
Part 1 (Interest rate and fees/charges)
1 Loan proposal/ account No. JAG25JA068648 Type of Loan LAP-Residential
2 Sanctioned Loan amount (in Rupees) 9,50,000
3 Disbursal schedule Upfront / Stagewise disbursement will be based on
(i) Disbursement in stages or 100% upfront. therequestsubmittedbythecustomeratthetimeof
(ii) Ifitisstagewise,mentiontheclauseofloanagreementhaving disbursement.
relevant details
4 Loan term (year/months/days) 84 Months
5 Instalment details
Type of instalments Number of EPIs EPI (₹) Commencement of repayment, post sanction
Monthly 84 23292 Repaymentwillcommencefrom4thdateofthe
following month of full disbursement.
6 Interest rate (%) and type (fixed or floating or hybrid) 23.75% Per Annum (Fixed Rate)
7 Additional Information in case of Floating rate of interest
Reference Benchmark Spread (%) (S) Finalrate(%) R Resetperiodicity Impact of change in the
Benchmark rate (%) (B) = (B) + (S) (Months) reference
benchmark(for25bpscha
ngein‘R’, change in:)
NA NA NA NA B S EPI (₹) No. of EPIs
NA NA NA NA

8 Fee/ Charges
Payable to the RE (A) Payable to a third party through RE (B)
One-time/ Amount(in₹)or One-time/Recurring Amount(in₹)orPercentage (%)
Recurring Percentage(%) as applicable
as applicable
(i) Processing fees One Time 22,420
(ii) Insurance charges One Time 21,492
(iii) Login fees One Time 2001
(iv) Cersai One Time 590
9 Annual Percentage Rate (APR) (%) 24.54% Per Annum
10 Details of Contingent Charges (in ₹ or %, as applicable)
Infinity Fincorp Solutions Pvt. Ltd.
CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

7
(i) Penal charges, if any, in case of delayed payment 2% per month on the
delayedamountforthe
delayed period only
(ii) Other penal charges, if any NA
(iii) Foreclosure charges, if applicable A) Part Pre Payment
Charges : Part Payment
upto12monthsareallowed,
post12monthsupto25%of
Principal Outstanding NIL,
Beyond 25% Principal
Outstanding as per
applicable foreclosure
charges. (Non individual/
fixed ROI cases).

B) ForeclosureStatement:
Rs750plusapplicabletax.

C) Prepayment/Foreclosure
charges will be 4% plus
taxes of Principal
Outstanding.
(iv) Charges for switching of loans from floating to fixed rate and vice versa NA
(v) Any other charges (please specify) a) Cheque/ ECS bounce
charges:₹1000+applicable
taxes per dishonour cheque

b) CERSAICharges:₹500+
applicable taxes, All
applicable charges as
stipulated by CERSAI
andasmaybesetoutintheloan
agreement to be executed

c) For Providing Additional

copiesofAgreement(Title
document):Rs1500/-plus
applicable taxes

d) Statement of Accounts :-
Rs 750 plus applicable taxes

e) Cheque swapping
charges(ECSChange
charges):Rs500plus
applicable taxes

f) List of Documents
Charges:-Rs500plus
applicable taxes

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

8
 Part 2 (Other qualitative information)
1 ClauseofLoanagreementrelatingtoengagementof recovery No External Agents.
agents
2 ClauseofLoanagreementwhichdetailsgrievanceredressal PolicyonGrievanceRedressalMechanismhostedon
mechanism website.
3 Phonenumberandemailidofthenodalgrievanceredressal Name : Sudhir Dike
officer Mobile:9819264948
Mail ID : sudhir@infinityfincorp.com
4 Whethertheloanis,orinfuturemaybe,subjecttotransfer to Yes
other REs or securitisation (Yes/ No)
5 Incaseoflendingundercollaborativelendingarrangements(e.g.,co-lending/outsourcing),followingadditionaldetails may be
furnished:
NameoftheoriginatingRE,alongwithits NameofthepartnerREalongwithits Blended rate of interest
funding proportion proportion of funding
NA NA NA
6 In case of digital loans, following specific disclosures may be furnished:
(i) Coolingoff/look-upperiod,intermsofRE’sboardapprovedpolicy,duringwhich NA
borrower shall not be charged any penalty on prepayment of loan
(ii) DetailsofLSPactingasrecoveryagentandauthorizedtoapproachthe NA
borrower

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

9
 Annex B
Illustration for computation of APR for Retail and MSME loans
Sr. Parameter Details
No.
1 Sanctioned Loan amount (in Rupees) 9,50,000
2 Loan Term (in years/ months/ days) 84 Months
a) No. of instalments for payment of principal, in case of non-equated periodic loans NA
b) Type of EPI Monthly
Amount of each EPI (in Rupees) and 23292
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 84
c) No. of instalments for payment of capitalised interest, if any NA
d) Commencement of repayments, post sanction Repayment will
commencefrom4th
dateofthefollowing
month of full
disbursement.
3 Interest rate type (fixed or floating or hybrid) Fixed
4 Rate of Interest 23.75%PerAnnum
(Fixed Rate)
5 Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing 1006548

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

10
 onsanction date (in Rupees)
6 Fee/Charges Payable Total should include all the deduction amount 46,503
A Payable to the RE 24,421
B Payable to third-party routed through RE 22,082
7 Net disbursed amount (1-6) (in Rupees) 903497
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees) 1956548
9 Annual Percentage rate- Effective annualized interest rate (in percentage) 25.73% Per Annum
10 Schedule of disbursement as per terms and conditions Detailedscheduletobe
provided
11 Due date of payment of instalment and interest

Annex C
IllustrativeRepaymentScheduleunderEquatedPeriodicInstalmentforthe
hypothetical loan illustrated in Annex B

Instalment No. OutstandingPrincipal Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
(in Rupees)
1 950000 4490 18802 23292
2 945510 4579 18713 23292
3 940931 4669 18623 23292
4 936262 4762 18530 23292
5 931500 4856 18436 23292
6 926644 4952 18340 23292
7 921692 5050 18242 23292
8 916642 5150 18142 23292
9 911492 5252 18040 23292
10 906240 5356 17936 23292
11 900884 5462 17830 23292
12 895422 5570 17722 23292
13 889852 5680 17612 23292
Infinity Fincorp Solutions Pvt. Ltd.
CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

11
 Instalment No. OutstandingPrincipal Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
(in Rupees)
14 884172 5793 17499 23292
15 878379 5907 17385 23292
16 872472 6024 17268 23292
17 866448 6144 17148 23292
18 860304 6265 17027 23292
19 854039 6389 16903 23292
20 847650 6516 16776 23292
21 841134 6645 16647 23292
22 834489 6776 16516 23292
23 827713 6910 16382 23292
24 820803 7047 16245 23292
25 813756 7186 16106 23292
26 806570 7329 15963 23292
27 799241 7474 15818 23292
28 791767 7622 15670 23292
29 784145 7772 15520 23292
30 776373 7926 15366 23292
31 768447 8083 15209 23292
32 760364 8243 15049 23292
33 752121 8406 14886 23292
34 743715 8573 14719 23292
35 735142 8742 14550 23292
36 726400 8915 14377 23292
37 717485 9092 14200 23292
38 708393 9272 14020 23292
39 699121 9455 13837 23292
40 689666 9642 13650 23292
41 680024 9833 13459 23292
42 670191 10028 13264 23292
43 660163 10226 13066 23292
44 649937 10429 12863 23292
45 639508 10635 12657 23292
46 628873 10846 12446 23292
47 618027 11060 12232 23292
48 606967 11279 12013 23292
49 595688 11502 11790 23292
50 584186 11730 11562 23292
51 572456 11962 11330 23292
52 560494 12199 11093 23292
53 548295 12440 10852 23292

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

12
 Instalment No. OutstandingPrincipal Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
(in Rupees)
54 535855 12687 10605 23292
55 523168 12938 10354 23292
56 510230 13194 10098 23292
57 497036 13455 9837 23292
58 483581 13721 9571 23292
59 469860 13993 9299 23292
60 455867 14270 9022 23292
61 441597 14552 8740 23292
62 427045 14840 8452 23292
63 412205 15134 8158 23292
64 397071 15433 7859 23292
65 381638 15739 7553 23292
66 365899 16050 7242 23292
67 349849 16368 6924 23292
68 333481 16692 6600 23292
69 316789 17022 6270 23292
70 299767 17359 5933 23292
71 282408 17703 5589 23292
72 264705 18053 5239 23292
73 246652 18410 4882 23292
74 228242 18775 4517 23292
75 209467 19146 4146 23292
76 190321 19525 3767 23292
77 170796 19912 3380 23292
78 150884 20306 2986 23292
79 130578 20708 2584 23292
80 109870 21117 2175 23292
81 88753 21535 1757 23292
82 67218 21962 1330 23292
83 45256 22396 896 23292
84 22860 22860 452 23312
Grand Total 950000 1006548 1956548

Infinity Fincorp Solutions Pvt. Ltd.

CIN : U65999MH2016PTC287488
Registered & Corporate Office : B-003, Ground Floor of the Building B, 215-Atrium 151 Andheri-Kurla Road, Andheri (E) 400093

Branch Address: null

Tel. +91 022-40356600 | info@infinityfincorp.com| www.infinityfincorp.com

13