SL/Nov2023

LOAN SANCTION LETTER

Date: Apr-15-2024

To,

Mr ANKIT VATS

Mr LALIT SHARMA

Mrs MANISHA SHARMA

Address -

FLAT NO 304 J TOWER, CORONA OPTUS SOCIETY NEAR ESPLANADE MALL, SECTOR 37C BASAI FARRUKHNAGAR GURGAON,
FARRUKHNAGAR, CORONA OPTUS SOCIETY, REWARI, HARYANA, INDIA, 122006

Dear Sir/Madam,

Ref : Loan A/C No.: CHDEE00948947

With reference to your Loan Application dated 08-Apr-2024 to Avanse Financial Services Ltd., (the “Lender”). We are pleased to inform you that an
Education Loan of Rs. 6294277 /- (Rupees Sixty Two Lakh Ninety Four Thousand Two Hundred and Seventy Seven only) is sanctioned to you for
Pursuing MBA Course, from ( University Of Notre Dame - Mendoza Business School ) at ( University Of Notre Dame ) in < UNITED STATES OF
AMERICA >on the following terms and conditions mentioned below and additional conditions printed overleaf.
Loan Sanction Details:

Loan Amount Sanctioned in Rs * Rs . 6294277 /-

(Rupees Sixty Two Lakh Ninety Four Thousand Two Hundred and Seventy Seven Only)

Rate of Interest (ROI)

Floating ROI @ Floating ROI @11.5 p.a. (*Benchmark rate +/-Spread ) % p.a.(*Benchmark rate +/- Spread) post
completition of Fixed period rate.*Present Benchmark rate is 14.25 % p.a.

Total Tenure of the Loan in Months 120

Interest Period in Months 36

PMII (Pre-Monthly Instalment

10th of the subsequent month after disbursal date (Applicable for loan repayment mode PI or SI)
Interest) Start Date

PMII Amount in Rs ** 60320

PMII Amount Serviced during

2000 (Applicable for loan repayment mode PI, please refer to schedule details#)
moratorium period in Rs **

Principal Outstanding post unpaid

8787372 (Applicable for loan repayment mode PI, please refer to schedule details#)
interest in Rs **

MI Period in Months 84

MI(Monthly Instalment) Start

37th month onwards
Months/Date #

MI Amount in Rs *** 152781 /-

Loan Processing Fees(PF) inclusive 55705.0 .

of Applicable Taxes
[PF is non-refundable to be paid
before availing the
loan sanction]

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Mr ANKIT VATS (Leegality.com - N4oVDTL) Mrs MANISHA SHARMA
Mr LALIT SHARMA
Date: Fri Apr 26 18:29:29
___________________ IST 2024
___________________ Date: Fri Apr 26 18:39:58 IST___________________
___________________ 2024
Date: Fri Apr 26 18:33:01 IST 2024
Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

Loan Repayment Mode PSI

Penal charges / Default charges 2% p.m.

Security (if applicable):

NA

Type: NA NA

*Including Tuition Fee and insurance, if any, basis Borrower's request. Lender is entitled to directly disburse the premium amount to the Insurer.
*Living expenses of Rs. 2600000.0 /- may be credited to the Borrowers account/prepaid card (as applicable)

**Interest servicing i.e., Pre-Monthly Instalment Interest (PMII) will start immediately after the disbursement of First Instalment/Tranche Subject to change
based on disbursement taken and ROI.

***MI (Principal and Interest repayment), Subject to change based on disbursement taken and ROI.
**Assignment or endorsement of insurance policy shall be as per Borrower’s policy with its insurer
# Please refer to the schedule details overleaf for MI(Monthly Installment) start date/ month

Pre-Disbursement Conditions (If any):

1. All disbursement related documents to be executed prior to disbursement.

2. Required 3 NACH Forms 4 SPDC from STATE BANK OF INDIA BANK; Account Number 0033468282171

3. If any withdrawal limit is mentioned then extra 4 SPDC’s to be documented.

4. Processing Fee is Non-Refundable;

5. All Verifications to be positive.

6. Loan amount to be restricted to COE.

The Borrower to ensure , (i) timely NACH/bank mandates via acceptable banking channel/cheques (as such prevent unauthorised cash transaction)
7.
(ii) issuing security instrument/cheque to discharge outstanding /total dues under DPN.

8. Students unconditional admit letter and & i20 (wherever applicable) to be documented.

9. Visa Copy to be forwarded immediately on receipt (wherever applicable).

10. disbursement shall be subject to no negative confirmation from the university/college

11. Property owner to be part of loan deal or Ownership proof required

12. Student salary banking & last 3 salary slips to be documented

13. Student authorisation consent letter to be documented

14. NA

15. NA

16. NA

17. NA

18. NA

19. NA

20. NA

The MI, Pre-MI interests shall be paid on or before 10th day of every month and/or as per the Repayment Schedule. The Borrower/s undertake to pay the
Interest on Broken Period (BPI) if any; and where applicable such BPI shall be paid along with the next PMII/MI as per the Repayment Schedule.

The Loan amount will be released directly in the name of the Educational Institute / authorized dealer / Borrower, as per their demand letter from the Institute /
College / University where the student has secured admission. The Lender shall have the discretion to credit living expenses in the customer's account or
reimburse basis the documents provided.

This sanction availability is valid for a period of 6 months from the date of issue of this letter. If the offer is acceptable to you, please sign on the duplicate
copy of the letter duly accepting the terms & conditions of the sanction letter and return the same within 30 days from the date of receipt of this letter.

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Mr LALIT SHARMA Mrs MANISHA SHARMA
Mr ANKIT VATS
___________________ Date: Fri Apr 26 18:29:29 Date: Fri Apr 26 18:33:01
___________________ IST 2024
___________________
Date: Fri Apr 26 18:39:58 IST ___________________
2024
IST 2024
Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

Important: All charges will attract applicable statutory levies and GST. Please visit our website www.avanse.com for details of other charges applicable to
this loan.

We also request to complete the Loan disbursement formalities as it is an integral process to disburse the Loan.

Additional Terms and Conditions:

1. The terms of this letter shall be binding on the Borrower(s) and shall form an integral part of the Transaction Documents including the Loan
Agreement (along with the Schedule thereto).

2. The Borrower undertakes to execute the Loan Agreement/ other Transaction Documents for the purpose of availing Loans in terms thereof and
pay/repay the Loan/s in a timely manner. This sanction is subject to realization of cheque / demand draft/ pay order towards the processing fees and
charges for loan sanctioning which will be non-refundable.

3. The Lender is entitled to cancel/revoke the unutilized sanctioned limit at its sole discretion. Where such decision to cancel/revoke the sanctioned
limits is taken for reasons attributable to the Borrower or its credit assessment, then the Borrower (without prejudice to other rights of the Lender) will
not be entitled to any part and proportionate refund of processing fees & charges.

4. Subject to the foregoing and unless expressly agreed by the Lender in writing, the Borrower shall not request draw down/shall not be entitled to avail,
any sanctioned limit (which is not cancelled or revoked as per this letter) upon completion of (i) Course Period or (ii) 24 (Twenty Four) months from
the date of sanction, whichever is earlier.

5. The Loan shall be disbursed in lump sum/in suitable Installments, to be decided by the Lender at its sole discretion. If the Lender disburses any
amount into prepaid card applied/to be applied by the Borrower then the Borrower acknowledges that such services will be facilitated at Borrower's
costs and expenses. In this regard, the Borrower/s expressly authorizes the Lender to disclose Borrower's information / KYC details to such issuer
/servicer. Also, the Borrower permits Lender to receive information from the servicer/issuer and use /process information regarding its card's usage
from time to time for promoting financial products or services (by itself and/or within its group).

6. For the purpose of secured facility, unless otherwise agreed, the Loan shall be secured by first and exclusive charge on the immovable and movable
property and/or such other security, to the satisfaction of the Lender. For the purpose of disbursements, such documents/reports/evidence as may be
required by the Lender shall be produced to ascertain that the property to be mortgaged has a clear, marketable and unencumbered title. The
Borrower/Co-Borrower/s shall produce such original/copy of title deeds, documents, reports as may be required by the Lender. In case of additional
limits, the existing mortgage shall stand extended to cover the proposed additional limit and/ or as per the sanctioned conditions. The Borrower has
agreed to obtain insurance from an insurer of Borrower’s choice as approved by the Lender and with such terms agreeable to the Lender
which shall be endorsed/assigned in Lender’s favour and such endorsement/assignment shall be maintained throughout the term of the
loan until the entire repayment

7. The Borrower acknowledges that Lender's interest rate depends on many factors including cost of its borrowed funds. The Lender may vary the
interest rate prospectively as it may deem fit and/or in accordance with guidelines laid down by RBI, from time to time and will be published on its
website. Moreover, upon change in the base lending rate (BLR)/ Benchmark Rate, the Borrower will pay the Loans linked to BLR in accordance with
the revised rate announced by the Lender.

8. The Lender is hereby entitled to make proportionate changes in the repayment schedule, by increasing or reducing the EMI or extending the
Repayment Schedule or both, consequent to revision of interest rate. If any extension of the tenure of the Loan as is likely to exceed maximum
tenure assessed by the Lender for the Loan, then Lender may also give required effect in any number and amount of Instalment as it may deem fit
and appropriate.

9. The Lender shall be entitled to revise the due date cycle and the other components of amortization schedule in accordance with its policy or process
for administration of the loan accounts.

10. Conversion Charges for switching type of interest rate (floating – fixed): In case of reset in the applicable interest rates, the Borrower may exercise
an option for switch over upon payment of conversion charges on the loan outstanding. Such switchover shall be allowed only twice during the
tenure of the Loan . (conversion charges shall be as mentioned in the Schedule of charges).

11. Upon settlement or realization of entire dues (as acceptable to the lender) of all the loans/debts, the lender shall (within 30 days) release the original
property documents in its custody (if any) to the Property Owner(Borrower/Co-Borrower) or its nominee/ legal heir.

12. The Property Owner has expressly elected to receive the original property document at the branch/office location of the Lender (where document is
made available by the Lender).

13. Unless otherwise notified by the Lender in writing, this Sanction Letter shall stand revoked and cancelled if:

a. Any material changes occur in the proposal for which this Loan is, in principle sanctioned.

b. Any material fact concerning income or ability to repay or any other relevant aspect of the proposal or application for loan is withheld,
suppressed, concealed or not made known to the Lender.

c. Any statement made in the loan application is found to be incorrect or untrue.

d. Unconditional and absolute acceptance of the Sanction Letter has not been received by the Lender within thirty (30) days from the date of
issuance of this Sanction Letter;

e. the Lender at its sole discretion revoke / cancel / recall this Sanction Letter.

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Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA
___________________ ___________________
Date: Fri Apr 26 18:29:29 IST 2024 ___________________
Date: Fri Apr 26 18:33:01 IST 2024 ___________________
Date: Fri Apr 26 18:39:58 IST 2024
Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

14. Pre-MI interest at the rate, at which the MI has been calculated, shall be charged from the respective date(s) of disbursements to the date of
commencement of MI in respect of the Loan. The MI comprises of principal and interest calculated on the basis of monthly rest at the rate applicable,
which is rounded off to the next higher rupee. Subject to the Loan Agreement, eligible Borrowers', who have provided specific written request for
Lender to consider flexible operation such as switching, deferring or preponing MI/PMII (as the case maybe) during the loan tenor, will abide by the
repayment schedule provided by the Lender accordingly, pursuant to such request. The Borrower inter-alia acknowledges such request shall not
exceed for more than two (2) instances and shall be effective only if expressly agreed by the Lender in writing.

15. The Lender shall be informed in writing about any changes, in correspondence address, change in employment, loss of job, business, profession, as
the case may be immediately after such changes/ loss, notify the causes of delay, loss/damage to the property, notify the additions /alterations to the
property.

16. Stamp Duty, registration charges, or other taxes/levies as applicable from time to time, on the Loan and security documents or any document/s
executed by the Borrower/Co-Borrower/s including but not limited to the applicable service tax on the processing fee, in respect of the Loan and/or in
respect of the documents evidencing/concerning the Loan and/or any penalty(ies) that may be imposed, shall be borne and paid by the Borrower/Co-
Borrower/s without claiming any set-off, counter claim, damages etc. In addition to the above charges, the Borrower/Co-Borrower/s are also required
to pay the charges to be paid (if any) to CERSAI for creation/modification of charge /satisfaction of charge, as applicable from time to time.

17. The Borrower shall register under the Central Goods and Services Tax Act, 2017 (CGST Act), the State Goods and Services Tax(SGST) Act, 2017,
Integrated Goods and Services Tax (IGST) Act, 2017, Union Territory Goods and Service Tax (UTGST) Act,2017 (hereinafter individually/collectively
called as "GST Law") as applicable to him and disclose the registration number to the Lender, failing which it will be considered as if the Applicant is
not registered under the GST law and the provisions as may be applicable to unregistered Borrower would be applicable.

18. In case of violation of any provisions of taxation law including GST laws by Borrower then the Borrower undertakes to indemnify the Lender for any
loss or claim or demand or penalty, if any, which may be incurred or suffered by the Lender.

The Borrower will pay other applicable charges as per the Lender's schedule of charges as updated/ may be updated on its website from time to
19.
time.

20. Notwithstanding the issuance of this Sanction Letter and the acceptance thereof, The Lender in its sole discretion may decide to not disburse the
Loan, repudiate and rescind this Sanction Letter unilaterally without being required to give the Borrower any prior notice and without assigning any
reasons.

21. The post-dated cheques (PDCs) if any, issued towards repayment of loan to be replenished as and when they are exhausted towards payment of
balance monthly / periodic Installments, till such time the entire loan is paid off.

The Lender is entitled to add to, delete or modify all or any of the terms and conditions of the Loan applicable to the Loan by providing a written
22.
notice to the Borrower.

23. The Borrower acknowledges that, by giving the loan facility, Lender have not and do not intend to give any professional advice or make any
statement regarding taxation and related benefits. The Borrower/s will independently consult/have consulted its tax advisors/ other professionals for
their financial planning and tax assessment/s.

24. The Borrower/s expressly undertake that.

• Payment of installments shall be under the NACH/ECS mandate for appropriate administration of loan account;

• Lender will be entitled to present NACH on the due date, despite prior or additional payments if any;

• Any additional payment in the loan account will be adjusted against the amounts payable/ in terms of the loan agreement;

• Lender will not be obliged to suspend NACH presentation for any reason whatsoever.

25. Penal Charges Penal Charges for default in payment of EMI/PMI/MI/SI: 2% per month or 24% per annum

Charges for Non Compliance/Default Charges: Without prejudice to Lender’s right under the loan agreement, in case of an Event of Default /
26. Noncompliance of material terms and conditions, the Borrower shall be liable to pay charges for such noncompliance until such default is cured. (
Default charges shall be as mentioned in the Schedule of charges).

27. For providing timely end-use confirmation of the loan, the Borrower(s) shall remit the disbursed amount through an authorized dealers/banks as per
applicable law (“FX Dealers”) to the relevant Educational Institute. The Borrower may select the FX Dealer from those approved by the Lender.
Alternatively, the Borrower may remit the monies through their own authorized dealers/banks and immediately submit the remittance proof to the
Lender”

28. The Borrower shall furnish proof of specific VISA within maximum timeline of 270 days from the date of loan disbursement failing which it shall be an
event of default. Without prejudice to Lender’s right , the Borrower agrees to pay Default charges for such non compliance, until such default is cured
and shall adhere to the cure period granted by the Lender on such continuing default.

29. The Borrower shall furnish forex remittance proof within a maximum timeline of 30 days from the date of loan disbursement or from the date of the
Lender releasing freeze/lien on disbursed funds, failing which it shall be an event of default. Without prejudice to Lender’s right under the loan
agreement, the Borrower agrees to pay Default charges for such non compliance until such default is cured and shall adhere to the cure period
granted by the Lender on such continuing default.

30. Approach for Gradation of Risk:

Interest Rate comprising risk premium/spread has been provided inter-alia basis nature of loan, borrower’s creditworthiness, nature of security,
nature of product, borrower/risk
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repayments, borrower's loan tenure
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using Aadhaar (location).
Fees & charges applicable to the loan
(Leegality.com facility are levied inter-alia
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Mr LALIT SHARMA for product/services,
- N4oVDTL) encourage financial discipline,
Mr ANKIT VATS Mrs MANISHA SHARMA
Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024
Date: Fri Apr 26 18:39:58 IST 2024

___________________ ___________________ ___________________ ___________________

Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

competition/industry benchmarking, market practices for the loan type and quantum, in compliance with regulatory guidelines.

31. In the event of any conflict between the terms, conditions and provisions of this sanction letter and the Loan Agreement or any document referred to
herein, the terms, conditions and provisions of this sanction letter shall prevail.

Note : This is a computer generated Letter hence no signature is required.

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Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA
Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
___________________ ___________________ ___________________ ___________________
Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

ADDITIONAL DETAILS OF THE LOAN

The below details shall form an integral part of the Sanction Letter/Loan Agreement.

1. Loan Account No. CHDEE00948947

2. Due Date1 for Repayment 10th day of every Month

3. Frequency of Repayment Monthly

4. Break up between Principal and Interest

Please refer to the enclosed Amortisation Chart provided along with this
5. Date of commencement of repayment, after completion of
Sanction Letter/ Loan Agreement.
moratorium period (if granted by the Lender).

Note: The Amortisation Chart shall undergo change due to variations in

Regular EMI [i.e., Principal + Interest] Commencement Date) the loan amount, tenure, moratorium period, rate of interest etc., payable
by borrower.
Note: Borrower will pay the instalment applicable as per the
moratorium terms during moratorium period.

6. Examples of Special Mention Account (SMA) and Non- Performing PLEASE READ THE FOLLOWING INFORMATION CAREFULLY. AS IT
Asset (NPA) classification dates. CONTAINS VERY IMPORTANT INFORMATION ABOUT
CLASSIFICATION OF YOUR LOAN ACCOUNT BASIS OVERDUE
STATUS. SUCH CLASSIFICATION CAN HAVE MATERIAL IMPACT ON
YOUR CREDIT STANDING IN CASE FINANCIAL DISCIPLNE IS NOT
FOLLOWED IN REPAYING THE LOAN
ON TIME.

Borrower(s) to note the below: -

The Loan Account shall be automatically reported as NPA strictly on the 90th Day of it remaining as Overdue2.

The status of the account cannot be upgraded/ regularized to standard from NPA, until all the unpaid instalments are fully repaid along
with the other charges/arrears.

The Loan Account shall continue as NPA even though the Loan Account is credited with certain months of the instalments out of all the
unpaid instalments/arrears.

Borrower(s) shall ensure (i) to make timely repayment of the instalment on its due date and (ii) in any case prevent 90 Days Overdue
causing NPA.

Mentioned below is the illustration for Special Mention Account (SMA) / Non- Performing Asset (NPA) classification dates.

Due Date Date of Overdue Basis for classification Account Classification

Principal or interest payment SMA

or any other amount wholly or partly overdue Sub-categories

10th March’2023 10th March’2023 Upto 30 days SMA-0

10th April’2023 09th April’2023 31-60 days SMA-1

10th May’2023 09th May’2023 61-90 days SMA-2

10th June’2023 08th June’2023 More than 90 days NPA

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Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA
Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
___________________ ___________________ ___________________ ___________________
Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

1 Due Date: The date as specified in the Amortization Chart on which the instalment is due to be paid.
2 Overdue – Instalment due but not paid on its due date specified by the Lender, before the Lender runs the day-end process (the accounts are closed for
the day) for that day.

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(Leegality.com - N4oVDTL) Mr LALIT SHARMA (Leegality.com - N4oVDTL)
Mr ANKIT VATS Mrs MANISHA SHARMA
Date: Fri Apr 26 18:33:01 IST 2024
Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024

___________________ ___________________ ___________________ ___________________

Signature Borrower Co-Borrower/s Guarantor
SL/Nov2023

Explanation:-
If the due date of an account is 10th March’ 2023, and the full dues/instalment is not received before the Lender runs its day-end process
for this date, the date of overdue shall be 10th March’ 2023.

If the account continues to remain overdue, then this account shall get tagged as SMA-1 upon running day-end process on 09th
April’2023 i.e., upon completion of 30 days of being continuously in overdue. Accordingly, the date of SMA-1 classification for that account
shall be 09th April’2023.

Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2 upon running the day-end process on 09th May’2023;
and

If the account continues to remain overdue further, it shall get classified as NPA upon running day-end process on 08th June’ 2023.

If the instalments of “March’2023” & “April’2023” are collectively repaid post “08th June’ 2023”, then also the account shall continue to be
reported as NPA.

If all the unpaid instalments (in the above example from “March’2023” till actual realization) are fully paid along with the other
charges/arrears, then only the account will be upgraded/regularized as standard asset and shall not be reported as NPA.

SIGNED, SEALED AND DELIVERED

Borrower Co-Borrower 1 Co-Borrower 2 Co-Borrower 3

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Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA
Date: Fri Apr 26 18:29:29
___________________ IST 2024
___________________ Date: Fri Apr 26 18:39:58 IST
Date: Fri Apr 26 18:33:01___________________
IST 2024 2024
___________________
Signature Borrower Co-Borrower/s Guarantor
 EL/SL -ver. Nov'23

Schedule Details

LAN
CHDEE00948947
ID:
Total Ending
S.No Date Cal.Interest/Rate Interest Principal
installment Balance
0 24/04/2024 0 0 0 0 6,294,277
1 10/05/2024 32,171 0 0 0 6,294,277
2 10/06/2024 60,320 34,171 0 34,171 6,352,597
3 10/07/2024 60,879 2,000 0 2,000 6,411,476
4 10/08/2024 61,443 2,000 0 2,000 6,470,919
5 10/09/2024 62,013 2,000 0 2,000 6,530,932
6 10/10/2024 62,588 2,000 0 2,000 6,591,520
7 10/11/2024 63,169 2,000 0 2,000 6,652,689
8 10/12/2024 63,755 2,000 0 2,000 6,714,444
9 10/01/2025 64,347 2,000 0 2,000 6,776,791
10 10/02/2025 64,944 2,000 0 2,000 6,839,735
11 10/03/2025 65,547 2,000 0 2,000 6,903,282
12 10/04/2025 66,157 2,000 0 2,000 6,967,439
13 10/05/2025 66,771 2,000 0 2,000 7,032,210
14 10/06/2025 67,392 2,000 0 2,000 7,097,602
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

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Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA

Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
 EL/SL -ver. Nov'23

15 10/07/2025 68,019 2,000 0 2,000 7,163,621

16 10/08/2025 68,651 2,000 0 2,000 7,230,272
17 10/09/2025 69,290 2,000 0 2,000 7,297,562
18 10/10/2025 69,935 2,000 0 2,000 7,365,497
19 10/11/2025 70,586 2,000 0 2,000 7,434,083
20 10/12/2025 71,244 2,000 0 2,000 7,503,327
21 10/01/2026 71,907 2,000 0 2,000 7,573,234
22 10/02/2026 72,576 2,000 0 2,000 7,643,810
23 10/03/2026 73,254 2,000 0 2,000 7,715,064
24 10/04/2026 73,936 2,000 0 2,000 7,787,000
25 10/05/2026 74,625 2,000 0 2,000 7,859,625
26 10/06/2026 75,321 2,000 0 2,000 7,932,946
27 10/07/2026 76,024 2,000 0 2,000 8,006,970
28 10/08/2026 76,734 2,000 0 2,000 8,081,704
29 10/09/2026 77,450 2,000 0 2,000 8,157,154
30 10/10/2026 78,172 2,000 0 2,000 8,233,326
31 10/11/2026 78,903 2,000 0 2,000 8,310,229
32 10/12/2026 79,640 2,000 0 2,000 8,387,869
33 10/01/2027 80,383 2,000 0 2,000 8,466,252
34 10/02/2027 81,135 2,000 0 2,000 8,545,387
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

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Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA

Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
 EL/SL -ver. Nov'23

35 10/03/2027 81,894 2,000 0 2,000 8,625,281

36 10/04/2027 82,659 2,000 0 2,000 8,705,940
37 10/05/2027 83,432 2,000 0 2,000 8,787,372
38 10/06/2027 84,212 84,212 68,569 152,781 8,718,803
39 10/07/2027 83,556 83,556 69,225 152,781 8,649,578
40 10/08/2027 82,891 82,891 69,890 152,781 8,579,688
41 10/09/2027 82,222 82,222 70,559 152,781 8,509,129
42 10/10/2027 81,546 81,546 71,235 152,781 8,437,894
43 10/11/2027 80,863 80,863 71,918 152,781 8,365,976
44 10/12/2027 80,174 80,174 72,607 152,781 8,293,369
45 10/01/2028 79,478 79,478 73,303 152,781 8,220,066
46 10/02/2028 78,776 78,776 74,005 152,781 8,146,061
47 10/03/2028 78,066 78,066 74,715 152,781 8,071,346
48 10/04/2028 77,351 77,351 75,430 152,781 7,995,916
49 10/05/2028 76,627 76,627 76,154 152,781 7,919,762
50 10/06/2028 75,898 75,898 76,883 152,781 7,842,879
51 10/07/2028 75,161 75,161 77,620 152,781 7,765,259
52 10/08/2028 74,417 74,417 78,364 152,781 7,686,895
53 10/09/2028 73,666 73,666 79,115 152,781 7,607,780
54 10/10/2028 72,908 72,908 79,873 152,781 7,527,907
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

eSigned using Aadhaar eSigned using Aadhaar

eSigned using Aadhaar (Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL)
(Leegality.com - N4oVDTL) Mr LALIT SHARMA Mrs MANISHA SHARMA
Mr ANKIT VATS
Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
Date: Fri Apr 26 18:29:29 IST 2024
 EL/SL -ver. Nov'23

55 10/11/2028 72,142 72,142 80,639 152,781 7,447,268

56 10/12/2028 71,370 71,370 81,411 152,781 7,365,857
57 10/01/2029 70,590 70,590 82,191 152,781 7,283,666
58 10/02/2029 69,801 69,801 82,980 152,781 7,200,686
59 10/03/2029 69,007 69,007 83,774 152,781 7,116,912
60 10/04/2029 68,204 68,204 84,577 152,781 7,032,335
61 10/05/2029 67,393 67,393 85,388 152,781 6,946,947
62 10/06/2029 66,575 66,575 86,206 152,781 6,860,741
63 10/07/2029 65,749 65,749 87,032 152,781 6,773,709
64 10/08/2029 64,914 64,914 87,867 152,781 6,685,842
65 10/09/2029 64,073 64,073 88,708 152,781 6,597,134
66 10/10/2029 63,222 63,222 89,559 152,781 6,507,575
67 10/11/2029 62,365 62,365 90,416 152,781 6,417,159
68 10/12/2029 61,497 61,497 91,284 152,781 6,325,875
69 10/01/2030 60,623 60,623 92,158 152,781 6,233,717
70 10/02/2030 59,740 59,740 93,041 152,781 6,140,676
71 10/03/2030 58,848 58,848 93,933 152,781 6,046,743
72 10/04/2030 57,948 57,948 94,833 152,781 5,951,910
73 10/05/2030 57,039 57,039 95,742 152,781 5,856,168
74 10/06/2030 56,122 56,122 96,659 152,781 5,759,509
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

eSigned using Aadhaar

(Leegality.com - N4oVDTL)
eSigned using Aadhaar eSigned using Aadhaar Mrs MANISHA SHARMA
(Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL)
Mr ANKIT VATS Mr LALIT SHARMA Date: Fri Apr 26 18:39:58 IST 2024
Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024
 EL/SL -ver. Nov'23

75 10/07/2030 55,195 55,195 97,586 152,781 5,661,923

76 10/08/2030 54,260 54,260 98,521 152,781 5,563,402
77 10/09/2030 53,316 53,316 99,465 152,781 5,463,937
78 10/10/2030 52,363 52,363 100,418 152,781 5,363,519
79 10/11/2030 51,401 51,401 101,380 152,781 5,262,139
80 10/12/2030 50,428 50,428 102,353 152,781 5,159,786
81 10/01/2031 49,448 49,448 103,333 152,781 5,056,453
82 10/02/2031 48,458 48,458 104,323 152,781 4,952,130
83 10/03/2031 47,458 47,458 105,323 152,781 4,846,807
84 10/04/2031 46,448 46,448 106,333 152,781 4,740,474
85 10/05/2031 45,430 45,430 107,351 152,781 4,633,123
86 10/06/2031 44,401 44,401 108,380 152,781 4,524,743
87 10/07/2031 43,362 43,362 109,419 152,781 4,415,324
88 10/08/2031 42,313 42,313 110,468 152,781 4,304,856
89 10/09/2031 41,255 41,255 111,526 152,781 4,193,330
90 10/10/2031 40,186 40,186 112,595 152,781 4,080,735
91 10/11/2031 39,107 39,107 113,674 152,781 3,967,061
92 10/12/2031 38,018 38,018 114,763 152,781 3,852,298
93 10/01/2032 36,918 36,918 115,863 152,781 3,736,435
94 10/02/2032 35,807 35,807 116,974 152,781 3,619,461
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

eSigned using Aadhaar eSigned using Aadhaar eSigned using Aadhaar

(Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL)
Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA

Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
 EL/SL -ver. Nov'23

95 10/03/2032 34,687 34,687 118,094 152,781 3,501,367

96 10/04/2032 33,555 33,555 119,226 152,781 3,382,141
97 10/05/2032 32,412 32,412 120,369 152,781 3,261,772
98 10/06/2032 31,259 31,259 121,522 152,781 3,140,250
99 10/07/2032 30,094 30,094 122,687 152,781 3,017,563
100 10/08/2032 28,918 28,918 123,863 152,781 2,893,700
101 10/09/2032 27,731 27,731 125,050 152,781 2,768,650
102 10/10/2032 26,533 26,533 126,248 152,781 2,642,402
103 10/11/2032 25,323 25,323 127,458 152,781 2,514,944
104 10/12/2032 24,102 24,102 128,679 152,781 2,386,265
105 10/01/2033 22,868 22,868 129,913 152,781 2,256,352
106 10/02/2033 21,623 21,623 131,158 152,781 2,125,194
107 10/03/2033 20,367 20,367 132,414 152,781 1,992,780
108 10/04/2033 19,097 19,097 133,684 152,781 1,859,096
109 10/05/2033 17,817 17,817 134,964 152,781 1,724,132
110 10/06/2033 16,523 16,523 136,258 152,781 1,587,874
111 10/07/2033 15,217 15,217 137,564 152,781 1,450,310
112 10/08/2033 13,899 13,899 138,882 152,781 1,311,428
113 10/09/2033 12,567 12,567 140,214 152,781 1,171,214
114 10/10/2033 11,225 11,225 141,556 152,781 1,029,658
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

eSigned using Aadhaar eSigned using Aadhaar eSigned using Aadhaar

(Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL)
Mr ANKIT VATS Mr LALIT SHARMA Mrs MANISHA SHARMA

Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:33:01 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
 EL/SL -ver. Nov'23

115 10/11/2033 9,867 9,867 142,914 152,781 886,744

116 10/12/2033 8,498 8,498 144,283 152,781 742,461
117 10/01/2034 7,115 7,115 145,666 152,781 596,795
118 10/02/2034 5,720 5,720 147,061 152,781 449,734
119 10/03/2034 4,310 4,310 148,471 152,781 301,263
120 10/04/2034 2,887 2,887 149,894 152,781 151,369
121 10/05/2034 1,450 1,450 151,369 152,819 0
Total 4150441 8787372
_____________ _____________ _____________ _____________
Signature Borrower Co-Borrower/s Guarantor
Date: ____________

eSigned using Aadhaar eSigned using Aadhaar

eSigned using Aadhaar (Leegality.com - N4oVDTL)
(Leegality.com - N4oVDTL) (Leegality.com - N4oVDTL)
Mr ANKIT VATS Mrs MANISHA SHARMA
Mr LALIT SHARMA
Date: Fri Apr 26 18:29:29 IST 2024 Date: Fri Apr 26 18:39:58 IST 2024
Date: Fri Apr 26 18:33:01 IST 2024