DISBURSEMENT LETTER

Ref. No. HOU/RGRN/0225/5149584

Sanction Letter Version No. 4

This is in reference to your Loan Application dated 06-02-2025 and the Sanction Letter bearing reference number
HOU/RGRN/0225/5149584 dated 19-03-2025 issued by PNB Housing Finance Limited ("PNBHFL") sanctioning your
Loan in principle on certain terms and conditions mentioned in the Loan Documents including but not limited to the
General Terms and Conditions ("GTC")*,the Sanction Letter, Loan Application and security documents.

Further to such sanctioning of your Loan, we hereby issue this “Disbursement Letter” which shall supersede all the
definitive documents executed prior to this Disbursement Letter including the above mentioned Loan Application and
Sanction Letter on the terms and conditions appearing hereinafter.
1. Execution Details : Date : 19-03-2025 Place : GREATER NOIDA
2. Branch: ROSHNI_GREATER NOIDA
3. Borrower(s) :
Mrs. SANTOSHI; S/O / D/O / W/O NANDAN SINGH; R/O A 206 GALI NUMBER 12 UMA GARDEN
PARDHAN ENCLAVE, BURARI, NORTH DELHI, ., Delhi, DELHI, 110084, New Delhi, India
Mr. RAJENDER SINGH RAWAT; S/O / D/O / W/O MAKAN SINGH; R/O A 206 GALI NO 11 NEAR UMA
GARDEN PRADHAN ENCLAVE VILLAGE, BURARI, NORTH DELHI, ., Delhi, DELHI, 110084, New Delhi,
India

4. Guarantor : N/A
5. Purpose of Loan : Plot + Construction loan-Roshni, Housing
6. Loan Amount :
a Loan Amount Sanctioned: 2000000
b Insurance Premium: 96569
Rs. 2096569 (Rupees Twenty Lakh Ninety Six Thousand Five Hundred and
c Total Loan Amount:
Sixty Nine Only)
7. Repayment Term: 120 months

8. Rate of Interest Scheme

Floating @PNBRRR -3.75% = 9.50%per annum on the date of execution of the Loan Documents.

9. PNB Housing Finance Limited Reference Rate (PNBRRR)* : 13.25% per annum.

10. Equated Monthly Installment ("EMI")**:

a. INR 27130.00 (INR Twenty Seven Thousand One Hundred Thirty Only)
b. Number of EMIs: 120
c. Due Date of the subsequent EMIs shall be payable on the same date of each month
d. Loan Amortization Schedule inter-alia encapsulating due dates for repayment of a loan, frequency
of repayment, breakup between principal and interest is annexed herewith as Annexure 1.

Signature of the Borrower(s)

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11. Due Date: 5th of Month

12. Prepayment Charges and Other Charges: Please refer the latest Schedule of Charges on PNBHFL’s website
(http://www.pnbhfl.com/fair-practice-code.aspx) and/or at the branch office of PNBHFL. The Schedule of
Charges would be revised by PNBHFL from time to time.
Overdue Charges: As mentioned in MITC duly updated on the website.

13. Security Cover/Loan to Value (LTV %): 37.17

14. Security :
The following Security shall be created by the Borrower(s) and/ or Co-Borrower and/ or Guarantor and/ or
Security Provider in favour of PNBHFL which shall hold the Security on First Charge basis:
1. Property Address -Plot No-136, Khata No.00460, Part OF Khasra No.1053, Situated in Village Dankaur Dehat
(Outside area of town), Pargana Dankaur, Tehsil Dankaur, GREATER NOIDA, Noida, GAUTAM BUDDH
NAGAR, Uttar Pradesh, India, 203201 Pincode - 203201Area - 1503.00Sq.ft ;Freehold

15. Additional Security / Interim Security (if any):

16. Disbursement: Disbursement may be made in one or multiple installments, as per sole discretion of the PNBHFL
in terms of the Disbursement request letter, applicable from time to time.

Signature of the Borrower(s)

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 OTHER CONDITIONS
1.All capitalized terms used herein and not defined will have the same meaning ascribed to it under the General Terms and
Conditions (“GTC”)***.
2.All the special conditions including the other terms and conditions as specifically stated in the Sanction Letter shall be
applicable to the Borrower(s)in addition to the following:
a. OCR clearance (if applicable) to be taken before disbursement.
b. Affidavit-cum-undertaking from all the property owner that the built up property/constructed property has been/will be
constructed as per sanctioned plan and/or building bye-laws.
c. Application Form and KYCs to be signed by co-applicant.
d. Subject to satisfactory residence verification of applicant / co-applicant by FTE/ FI (to mitigate negative FI)
e. Autogenerated-Identity and Address proof of the seller of the property required
f. Ownership of property is to be with main applicant only
g. Subject to Legal and technical clearance of property
h. Properties with saleable area of 400 Sq. ft. and above to be funded
i. Repayment to be taken through NACH mode only from Salary account of the applicant
j. Subject to positive Internal checks
k. Seller KYC to be documented (If resale transaction)
l. LTV shall be restricted to lower of 90% of Cost of Property or Market Value
m. official HR mail confirmation to be documented prior disbursement

The Most Important Terms and Conditions (“MITC”)***of the Loan is in compliance with the NHB circular and a copy of
the same has been provided to the Borrower(s) alongwith this Disbursement Letter.

Further, this Disbursement Letter shall be read in conjunction with the Sanction Letter and the GTC for the purpose of
interpretation of any terms hereof. The Borrower(s) agrees and acknowledges that the copy of the Sanction Letter,
Disbursement Letter, MITC and the GTC has been duly received by him/her/them for which the Borrower(s) will sign and
submit the acknowledgement slip/declaration contained overleaf. Any terms and conditions not included in this
Disbursement Letter but contained in the Sanction Letter, MITC and GTC shall be treated as part of this Disbursement
Letter. In the event of a conflict between the terms and conditions contained herein in the Disbursement Letter,Sanction
Letter and GTC, the terms and conditions stated in this Disbursement Letter shall prevail.

Signature of the Borrower(s)

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*Subject to change from time to time at the sole discretion of PNBHFL and the same shall be notified by PNBHFL through
its website or account statements or its branches or any such medium as PNBHFL may consider appropriate.
**Subject to variation in accordance with the terms of the Sanction Letter, this Disbursement Letter and General Terms and
Conditions and may be revised by PNBHFL from time to time.
*** The terms and conditions mentioned in the GTC and MITC are also available on PNBHFL’s website
www.pnbhousing.com.
This General Terms and Conditions (“GTC”) is registered with the office of Sub-Registrar VII at New Delhi/ Delhi, on
24th June, 2022 having Registration Number 392 in Book No. 4, Vol. No. 1733 on Page Number 63 to 106 and is in
furtherance to the GTC which is registered at the office of Sub-Registrar VII at New Delhi/ Delhi, on August 03, 2021
having Registration Number 294 in Book no 4, Vol. No. 1708 on Page Number 114 to 157 and also at the office of Sub-
Registrar V A, Haus Khaz at New Delhi/ Delhi, on May 03, 2019 having Registration Number 867 in Book No. 4, Vol. No.
463 on Page Number 98 to 151 and also at the office of SubRegistrar VII at Delhi/New Delhi, on December 09, 2016
having Registration Number 979 in Book no 4, Vol. No. 1614 on Page Number 57 to 103 and also at the office of
Sub-Registrar at Karnal, Haryana on December 04, 2014 as Document Number 9326 under Book I, Vol. No. 534 at Page
Number 82.

Accepted, Signed and Delivered by the Borrower(s)

Name Signature
1. SANTOSHI _______________________________
2. RAJENDER SINGH RAWAT _______________________________

In presence of the following witnessess :

1.
2.

Signed by PNBHFL

Signature of the Borrower(s)

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Annexure 1

This Loan Amortization Schedule shall form an integral part of the Disbursement letter read with GTC.

Date of Principle Intrest Opening Principle Closing Outstanding

Sno. EMI
Payment Amount Amount Outstanding Balance
1 05-04-2025 10532 16598 27130 2096569 2086038
2 05-05-2025 10616 16514 27130 2086038 2075423
3 05-06-2025 10700 16430 27130 2075423 2064724
4 05-07-2025 10784 16346 27130 2064724 2053941
5 05-08-2025 10870 16260 27130 2053941 2043072
6 05-09-2025 10956 16174 27130 2043072 2032118
7 05-10-2025 11042 16088 27130 2032118 2021076
8 05-11-2025 11130 16000 27130 2021076 2009947
9 05-12-2025 11218 15912 27130 2009947 1998730
10 05-01-2026 11307 15823 27130 1998730 1987424
11 05-02-2026 11396 15734 27130 1987424 1976029
12 05-03-2026 11486 15644 27130 1976029 1964544
13 05-04-2026 11577 15553 27130 1964544 1952967
14 05-05-2026 11669 15461 27130 1952967 1941299
15 05-06-2026 11761 15369 27130 1941299 1929539
16 05-07-2026 11854 15276 27130 1929539 1917685
17 05-08-2026 11948 15182 27130 1917685 1905738
18 05-09-2026 12043 15087 27130 1905738 1893696
19 05-10-2026 12138 14992 27130 1893696 1881558
20 05-11-2026 12234 14896 27130 1881558 1869325
21 05-12-2026 12331 14799 27130 1869325 1856995
22 05-01-2027 12429 14701 27130 1856995 1844567
23 05-02-2027 12527 14603 27130 1844567 1832040
24 05-03-2027 12626 14504 27130 1832040 1819415
25 05-04-2027 12726 14404 27130 1819415 1806690
26 05-05-2027 12827 14303 27130 1806690 1793863
27 05-06-2027 12929 14201 27130 1793863 1780936
28 05-07-2027 13031 14099 27130 1780936 1767906
29 05-08-2027 13134 13996 27130 1767906 1754773
30 05-09-2027 13238 13892 27130 1754773 1741535
31 05-10-2027 13343 13787 27130 1741535 1728193
32 05-11-2027 13448 13682 27130 1728193 1714746
33 05-12-2027 13555 13575 27130 1714746 1701192
34 05-01-2028 13662 13468 27130 1701192 1687531
35 05-02-2028 13770 13360 27130 1687531 1673761
36 05-03-2028 13879 13251 27130 1673761 1659883
37 05-04-2028 13989 13141 27130 1659883 1645894
38 05-05-2028 14100 13030 27130 1645894 1631795
39 05-06-2028 14212 12918 27130 1631795 1617584
40 05-07-2028 14324 12806 27130 1617584 1603261

Signature of the Borrower(s)

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 Date of Principle Intrest Opening Principle Closing Outstanding
Sno. EMI
Payment Amount Amount Outstanding Balance
41 05-08-2028 14438 12692 27130 1603261 1588825
42 05-09-2028 14552 12578 27130 1588825 1574274
43 05-10-2028 14667 12463 27130 1574274 1559608
44 05-11-2028 14783 12347 27130 1559608 1544825
45 05-12-2028 14900 12230 27130 1544825 1529926
46 05-01-2029 15018 12112 27130 1529926 1514909
47 05-02-2029 15137 11993 27130 1514909 1499773
48 05-03-2029 15257 11873 27130 1499773 1484517
49 05-04-2029 15378 11752 27130 1484517 1469140
50 05-05-2029 15499 11631 27130 1469140 1453642
51 05-06-2029 15622 11508 27130 1453642 1438021
52 05-07-2029 15746 11384 27130 1438021 1422276
53 05-08-2029 15870 11260 27130 1422276 1406407
54 05-09-2029 15996 11134 27130 1406407 1390412
55 05-10-2029 16123 11007 27130 1390412 1374290
56 05-11-2029 16250 10880 27130 1374290 1358041
57 05-12-2029 16379 10751 27130 1358041 1341663
58 05-01-2030 16509 10621 27130 1341663 1325155
59 05-02-2030 16639 10491 27130 1325155 1308517
60 05-03-2030 16771 10359 27130 1308517 1291747
61 05-04-2030 16904 10226 27130 1291747 1274844
62 05-05-2030 17037 10093 27130 1274844 1257808
63 05-06-2030 17172 9958 27130 1257808 1240636
64 05-07-2030 17308 9822 27130 1240636 1223329
65 05-08-2030 17445 9685 27130 1223329 1205884
66 05-09-2030 17583 9547 27130 1205884 1188302
67 05-10-2030 17723 9407 27130 1188302 1170580
68 05-11-2030 17863 9267 27130 1170580 1152718
69 05-12-2030 18004 9126 27130 1152718 1134715
70 05-01-2031 18147 8983 27130 1134715 1116569
71 05-02-2031 18290 8840 27130 1116569 1098279
72 05-03-2031 18435 8695 27130 1098279 1079845
73 05-04-2031 18581 8549 27130 1079845 1061265
74 05-05-2031 18728 8402 27130 1061265 1042537
75 05-06-2031 18877 8253 27130 1042537 1023661
76 05-07-2031 19026 8104 27130 1023661 1004636
77 05-08-2031 19177 7953 27130 1004636 985461
78 05-09-2031 19328 7802 27130 985461 966133
79 05-10-2031 19481 7649 27130 966133 946653
80 05-11-2031 19636 7494 27130 946653 927018

Signature of the Borrower(s)

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 Date of Principle Intrest Opening Principle Closing Outstanding
Sno. EMI
Payment Amount Amount Outstanding Balance
81 05-12-2031 19791 7339 27130 927018 907228
82 05-01-2032 19948 7182 27130 907228 887281
83 05-02-2032 20106 7024 27130 887281 867176
84 05-03-2032 20265 6865 27130 867176 846912
85 05-04-2032 20425 6705 27130 846912 826488
86 05-05-2032 20587 6543 27130 826488 805902
87 05-06-2032 20750 6380 27130 805902 785153
88 05-07-2032 20914 6216 27130 785153 764239
89 05-08-2032 21080 6050 27130 764239 743160
90 05-09-2032 21247 5883 27130 743160 721915
91 05-10-2032 21415 5715 27130 721915 700501
92 05-11-2032 21584 5546 27130 700501 678917
93 05-12-2032 21755 5375 27130 678917 657163
94 05-01-2033 21927 5203 27130 657163 635236
95 05-02-2033 22101 5029 27130 635236 613136
96 05-03-2033 22276 4854 27130 613136 590861
97 05-04-2033 22452 4678 27130 590861 568410
98 05-05-2033 22630 4500 27130 568410 545781
99 05-06-2033 22809 4321 27130 545781 522972
100 05-07-2033 22990 4140 27130 522972 499983
101 05-08-2033 23172 3958 27130 499983 476812
102 05-09-2033 23355 3775 27130 476812 453458
103 05-10-2033 23540 3590 27130 453458 429919
104 05-11-2033 23726 3404 27130 429919 406193
105 05-12-2033 23914 3216 27130 406193 382280
106 05-01-2034 24104 3026 27130 382280 358177
107 05-02-2034 24294 2836 27130 358177 333884
108 05-03-2034 24487 2643 27130 333884 309398
109 05-04-2034 24681 2449 27130 309398 284718
110 05-05-2034 24876 2254 27130 284718 259843
111 05-06-2034 25073 2057 27130 259843 234771
112 05-07-2034 25271 1859 27130 234771 209501
113 05-08-2034 25471 1659 27130 209501 184030
114 05-09-2034 25673 1457 27130 184030 158358
115 05-10-2034 25876 1254 27130 158358 132482
116 05-11-2034 26081 1049 27130 132482 106402
117 05-12-2034 26288 842 27130 106402 80115
118 05-01-2035 26496 634 27130 80115 53621
119 05-02-2035 26706 424 27130 53621 26916
120 05-03-2035 26917 213 27130 26916 0

Signature of the Borrower(s)

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