PROVISIONALLOAN SANCTION LETTER

Our Reference No.: IBLSHL0000072871 / EX-1326235 Date: 27-DEC-24

Name of the Applicant: Mr. Ranjot Singh
Address: H No-1361,, 2nd Floor,, Sector-45,, Jharsa, Dps Scholl, Gurugram, Haryana - 122003
Phone No.: 9781722995
SCL Branch Address: Plot No. 17-18 Ff Tag Tower Gurgaon -122015

Name of the Co-Applicant(s): Chandanpreet Kaur

Name of the Guarantor(s):

Dear Mr. Ranjot Singh ,

Subject: Your application for HOME LOAN Facility from SCL. Our Reference No: / EX-1326235

We thank you for choosing Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) (SCL) as your

n
financier for HOME LOAN. 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.

a
Type of Facility HOME LOAN (“Loan”)

a
Purpose of Loan PURCHASE OF RESI. PROPERTY

m
Sanction Amount with Insurance
13,500,000
Premium* (Rs.)

m
Equated Monthly Instalment (“EMI”)
128,911
Amount

a l
Loan Tenure (Months) 276

S a
Interest Type Adjustable Interest Rate

it
Rate of Interest ("ROI") 10.4% per annum

p
Retail Marginal Lending Rate (RMLR) ("Benchmark Rate") -2.2 ("Margin/Spread"), as notified
Adjustable Interest Rate

a
from time to time; Current Benchmark Rate - 12.6

Validity of Sanction Letter 30 days from the date of this offer.

C
Total Fees Applicable (including
0
Taxes)

Charge Type Charge Amount (Rs.)

Processing Fees 0
Fees and Charges Applicable
Transaction Handling Charges 0
(including Taxes)
Database Admin Fees 0

Legal and Valuation Charges 0

Fee Type Amount (Rs.) Cheque No. Cheque Date Bank Name
Fees paid/ remitted to SCL till date
(Non-Refundable) ADVANCE PF - ICICI BANK
590 126176 25/12/2024
RECD LIMITED

Total Balance Fees Payable -590

Moratorium for repayment/payment Upto initial 24 (Twenty Four) months from the date of first disbursal, where the loan is availed
of the principal amount of the Loan for construction/acquistion of under construction property.

* Insurance is subject matter of solicitation and sanction amount is inclusive of insurance premium of Rs. 0/-.

All the applicable taxes, duties and levies would be additionally charged as per law.
ROI will be as per the applicable Benchmark Rate at the time of disbursal.
ROI is determined on assessment of the risk profile of the Applicant(s), security offered and other parameters, as per SCL policy
and sanction conditions. Different rate of interest may be applicable to different categories of borrower depending on various
factors including but not limited to the risk profiling, nature of business activity, type of loan, loan size, type of security provided,
security cover, tenure of loan, etc.
This letter supersedes any sanction letter(s) issued earlier, with reference to application number / EX-1326235

Special Conditions (as applicable):

 1. Final loan approval/disbursal is subject to legal and technical clearance/verification of the property and title deeds/property
documents of collateral being offered as security in favour of SCL.
2. Execution of the loan agreement and loan documents by the Applicant and/or Co-Applicant(s) in favour of SCL, as per SCL
policy(ies) and formats.
3. The Applicant and/or Co-Applicant(s) shall bear stamp duty, registration fees and any other incidental charges, in relation to loan
documents including the charges for creation of security in favour of SCL. SCL shall not be liable to reimburse stamp duty and/or
other incidental charges to the Applicant and/or Co-Applicant(s), due to any reason, whatsoever.
4. Notwithstanding anything to the contrary, in case the Loan limit is not fully drawn/disbursed within 24 months from the date of first
disbursal, due to any reason whatsoever, the loan will get downsized to drawn limit, pursuant to which Equated Monthly
instalment (EMI) will start on drawn amount.
5. Further, if loan has been downsized pursuant to the provisions of loan documents, residual sale consideration or any other
amount payable to the builder/seller towards purchase / allotment / construction / extension or renovation of the Security is sole
liability of the Applicant and/or Co-Applicant(s) to ensure the same fully paid and/or constructed with satisfactory transfer of title in
favour of Applicant and/or Co-Applicant(s), thereby perfecting security interest/mortgage in favour of SCL.
6. The Applicant and/or Co-Applicant(s) shall be required to bring original passbooks/account statements and salary certificates
along with their original identity, residence, signature proofs and any such other documents as maybe required by SCL at the time
of execution of loan documents and at the time of the first disbursement of Loan.
7. Original property documents of the proposed Security should not be in laminated form.
8. If the borrower is a Non-Individual i.e. Company, Firm, HUF, LLP, Trust, Society or a Proprietorship, entity, and/or if loan is used

n
for business purpose and/or prepayment of loan made during the applicability of Fixed Rate of Interest, Pre-Payment charges
shall be applicable as per policy of SCL. Please refer the pre-payment charges on SCL website:

a
https://www.sammaancapital.com/home-loan/home-loan-prepayment-charges

a
9. The Loan has been sanctioned strictly for utilization towards stated purpose only. Hence, it would be the responsibility of the
Applicant(s) and the Co-Applicant(s) to furnish the proof of end use within 30 days from the date of disbursement of loan.
10. Please note that processing fees and the taxes applicable therein are non-refundable in nature.

m
11. Other terms and conditions mentioned in Most Important Terms and Conditions.

S a m a l
a p it
C
 LOAN SANCTION LETTER
Our Reference No.: / EX-1326235 Date: 27-DEC-24
Name of the Applicant: Mr. Ranjot Singh
Address: H No-1361,, 2nd Floor,, Sector-45,, Jharsa, Dps Scholl, Gurugram, Haryana - 122003
Phone No.: 9781722995
SCL Branch Address: Plot No. 17-18 Ff Tag Tower Gurgaon -122015

Our representative , phone can assist you further in case of requirement.

Please sign this letter as token of your acceptance of the terms and conditions mentioned above and overleaf.

Yours Sincerely,

n
For Sammaan Capital Limited

a
(formerly known as Indiabulls Housing Finance Limited)

m a
Authorised Signatory:

m
I/We acknowledge the receipt of copy of Sanction Letter and Accept the offer

S a l
Applicant's Signature:

p it a
C a
 LOAN SANCTION LETTER
Our Reference No.: / EX-1326235 Date: 27-DEC-24
Name of the Applicant: Mr. Ranjot Singh
Address: H No-1361,, 2nd Floor,, Sector-45,, Jharsa, Dps Scholl, Gurugram, Haryana - 122003
Phone No.: 9781722995
SCL Branch Address: Plot No. 17-18 Ff Tag Tower Gurgaon -122015

MOST IMPORTANT TERMS AND CONDITIONS

1. The sanction of the loan amount and its terms and conditions are subject to execution of a loan agreement and other related loan
documents with Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) (hereinafter referred to as
“SCL”). The terms and conditions of the loan agreement and the loan documents will prevail upon this letter, in case of any
contradiction/conflict/difference.
2. The validity of this sanction letter is thirty (30) days from the date mentioned on the sanction letter, provided the Applicant and/or
Co-Applicant(s) deposits with SCL, the administrative charges/ expenses/ pre-determined expenses mentioned as per sanction
terms at the time of delivering the accepted copy of the sanction letter to SCL. For details of the various fees and charges

n
applicable, please refer to SCL website.
2.1 All fees and charges shall be applicable, as per the prevailing rates published by SCL on its website. On the failure of the

a
Applicant and/or Co-Applicant(s) to comply with any of the terms of the loan documents, including but not limited to the failure to
create security and/or pay any amount payable to SCL on due date(s), the Applicant and/or Co-Applicant(s) shall be subject to the

a
levy of Penal Charges, as published on SCL website: https://www.sammaancapital.com/home-loan/home-loan-fees-and-charges ,
unless otherwise specified in the loan agreement and loan documents.

m
3. The Applicant and/or Co-Applicant(s) shall strictly utilize the Loan for specific purpose mentioned in the Sanction Letter only,
during the tenure of the Loan and Applicant and/or Co-Applicant(s) shall not utilize the Loan for any illegal, money laundering,
anti-social or speculative purposes, in any manner. SCL shall be entitled to revoke this sanction or add, delete or modify all or any

m
of the terms and conditions mentioned in the sanction letter, inter alia, if: (i) there is any change in the purpose of the loan facility.
(ii) any information and/or statement given by Applicant and/or Co-Applicant(s) is found incorrect, incomplete or misleading by

a
SCL, (iii)there is a breach of the terms and conditions of the facility by the Applicant and/or Co-Applicant(s), (iv) any legal/

l
technical/ valuation report of the property is found unsatisfactory by SCL; (v) the Applicant and/or Co-Applicant(s) fails to submit a

S a
duly accepted copy of the sanction letter to SCL within the period stipulated by SCL, etc.

t
4. Repayment of the Loan amount will be through instalments and/or equated monthly instalments (or pre- equated monthly

i
instalments) comprising of principal and/or interest, as per the terms and conditions of the loan documents. Subject to provisions
of applicable laws, the borrower shall repay/pay the Loan/ borrower’s dues through an electronic clearing system/ NACH / RTGS/

p
any other method, as may be specified by SCL, from time to time SCL may, in its sole discretion, alter the rate of interest suitably
with prospective effect, due to any reason whatsoever (including but not limited to change in the risk profile of any of the

a
borrower(s) or Collateral and/or,changes in money market conditions, etc.).
5. The prepayment of the Loan shall be made and accepted as per the policy(ies) and rules of SCL, read in conjunction with the

C
provisions of the loan document and statutory guidelines, issued by the concerned authorities from time to time and as applicable
at the time of prepayment. For details, kindly refer to the prepayment link provided on SCL website.
6. The rate of interest applicable to the Loan/facility shall be as per the Benchmark Rate prevailing on the date of disbursement and
as specified in the loan agreement. However, the rate of interest applicable to the loan is subject to revision at the sole discretion
of SCL and such revision may be on account of either change in the Benchmark Rate and/or the Spread or both. As a result, any
change in the Benchmark Rate and/or the Spread may subsequently have an effect on the equated monthly instalments amount
and/or the tenure of the Loan or combination of both. Any modification/ change in the applicable rate of interest shall be notified to
the Applicant and/or Co-Applicant(s) by email or updation on SCL website or by any other manner as shall be intimated by SCL
subsequently. In such event, the Applicant(s) shall have the choice to opt for (i) enhancement in EMI amount or extension of
tenure or a combination of both options, as permitted by SCL; and/or (ii) to prepay, either in part or in full. In case of non-receipt of
any response from the Applicant(s) within stipulated period, SCL may, at its discretion, pass on the impact of change in the ROI
on EMI amount and/or the tenure of the Loan or both, as initially intimated by SCL. The revised rate of interest shall be binding
and applicable on the Applicant and/or Co-Applicant(s) with effect from such date(s) as may be specified by SCL.
7. Subject to the provisions of the Loan Document, SCL, at the request of the Borrowers or otherwise as required, may provide the
option to the Borrowers to revise the spread during the Tenure of the Loan. In such case, the Borrowers will have the option to
avail revised spread/switch facility against the Loan with prospective effect subject to necessary verifications and on payment of
fees and execution of additional documents as may be required by SCL (in a format satisfactory to SCL), in this regard. It shall be
the responsibility of the Borrowers to keep themselves informed about the switch facility/revision of the spread and benchmark
rate(s), from time to time. Please note that it shall be the sole discretion of SCL to provide the option/switch facility for
reduction/revision of spread against the Loan(s) and as such, SCL reserves the right to reject / withdraw / annul the same, at any
time. For detailed terms and conditions, please refer to ‘ROI Switch Policy’ available on SCL website.
8. SCL has sanctioned the Loan/facility on the basis of calculations and estimations assessed by SCL of the costs to be incurred by
the Applicant and/or the Co-Applicant(s) for fulfilling the purpose for which the Loan/facility is being availed. If the cost of fulfilling
the purpose increases above or falls below the calculated amounts, SCL reserves the right to cancel the Loan/facility or reduce
the amount sanctioned at its sole discretion and its decision in this regard shall be binding on the Applicant and/or Co-
Applicant(s).
9. The loan amount and terms sanctioned by SCL, besides all other terms and condition, against applied amount and tenure is final
and abiding to all the borrowers.
10. SCL arranges/facilitates services to those customers who are interested in obtaining life and general insurance covers from
certain insurers. Insurance is a subject matter of solicitation and therefore, its optional for the Applicant and/or Co-Applicant(s) to
avail these insurance covers.
11. The Applicant and/or Co-Applicant(s) can access their loan account details by logging in onto SCL online portal. Further, the copy
of statement of account can be obtained on request from the nearby branch and/or by marking a mail to
homeloans@sammaancapital.com through the registered email ID(s) of the Applicant and/or Co-Applicant(s) or by enabling
communication with SCL via Whatsapp by sending "Hi/Hello" on 8929899391 through your registered mobile number.
 12. Terms related to Adjustable Interest Rate:
Adjustable Interest Rate means the Benchmark Rate(s) and the Spread (if any), as specified by SCL and any change in the
Benchmark Rate(s) and/or the Spread shall be applied by SCL on such date(s), as may be specified by SCL, in writing.
13. SCL will not pass on loan and KYC related information of the Applicant and/or Co-Applicant(s) to any third party entity, except for
complying with regulatory requirements like furnishing information to CIBIL, FIU or to other statutory bodies.
14. The Applicant and/or Co-Applicant(s) shall be required to provide duly signed repayment instruments/NACH mandate Form
authorizing SCL to debit the EMI amount on their respective due dates.
15. Recovery of overdue/ bad debts: It is the duty of the Applicant and/or Co-Applicant(s) to repay the loan amount with the applicable
interest along with all dues/charges/fees levied as per the agreed terms of the loan agreement. However, in the event of default in
re-payment of any of the above, SCL reserves the right to recover the overdue by resorting to legal and permissible means.
Subsequent to payment default under the Loan Documents, SCL shall classify such Loan as Special Mention Account(s) (“SMA”)
or Non-Performing Asset, as the case may be. For further details, please refer SCL website i.e.
https://www.sammaancapital.com/uploads/downloads/Borrower-Education-Classification-of-Loan-Accounts-as-SMA-NPA-
IHFL.pdf
16. SCL facilitates resolution of customer’s grievances free of cost. In the event of any complaint, the Applicant and/or Co-
Applicant(s) may visit their nearest branch, register their query via a grievance form available on its website at link-
https://www.sammaancapital.com/contact-us/customer-service/ or call on its customer care number provided herein. If the
Applicant and/or Co-Applicant(s) is not satisfied by the resolution offered by SCL, he/she may take his/her grievance forward with
Reserve Bank of India and may lodge his/her complaint in online mode at the link https://cms.rbi.org.in OR in offline mode by post

n
to the office of Integrated Ombudsman, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh - 160017.
17. The Applicant and/or Co-Applicant(s) agrees that, without any approval of or notice to any of the Applicant and/or Co-Applicant(s),

a
SCL shall be entitled to assign any/all of its rights and obligations (including the borrower's dues/Loan or any part thereof with or

a
without any Security) under the loan documents to any person(s) / bank / financial institution / asset reconstruction companies /
entity under co-lending model or by way of direct assignment or any other arrangement, on such terms and conditions as SCL
may deems fit. The details of co-lending partners can be accessed on SCL website at link i.e.

m
https://www.sammaancapital.com/uploads/downloads/list-of-co-lending-partnerships-ibhfl-v2.pdf
18. Subsequent to closure of the Loan, SCL will issue confirmation mail regarding Loan closure and thereafter, the Applicant and/or
Co-Applicant(s) are required to collect the title deeds/ property documents from SCL within 30 days from the date of full

m
repayment/settlement of the Loan. The Applicant(s) may collect the property documents from the sourcing and servicing branch or
any other SCL branch where the documents are made available. The list of SCL branches can be accessed on SCL website at

a l
link - https://www.sammaancapital.com/contact-us/branch-locator. The detailed process and policy relating to the handover of the
property documents can be accessed on SCL website at link https://www.sammaancapital.com/uploads/downloads/borrower-

S a
awareness-procedure-for-handover-of-property-documents-v1.pdf.

it
For any further query/complaint, please contact a care desk at any of SCL branches or call on its toll free customer Care No 1800-572-
7777 or write to customer care at homeloans@sammaancapital.com.

p
* For detailed terms and conditions, please refer to the MITC document on SCL Website.

a
I/We acknowledge the receipt of a copy of the Sanction Letter and Accept the offer.

C
Further I/We have read the model Loan Agreement uploaded on the official website of Sammaan Capital Limited (formerly known as
Indiabulls Housing Finance Limited) and understood the terms & conditions stipulated therein.

Signature of the Applicant(s)

Date:
 a a n
a m m
S it a l
C a p
 Annex A
Key Facts Statement (“KFS”)
Part 1 (Interest rate and fees/charges)

Loan
IBLSHL0000072871 / Type of
1 proposal/account HOME LOAN(“Loan”)
EX-1326235 Loan
No.

2 Sanctioned Loan amount(in Rupees) 1,35,00,000.00

Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited)

(“Lender”) may disburse the Loan (or any part thereof) only upon the fulfillment by
the Obligor(s) of all the conditions precedent as may be specified by the Lender.
3 Disbursal schedule
The Loan (subject to deductions, if any) may be disbursed in full or in such tranches
as mentioned in the request for disbursal of the Loan by the Borrower(s) or as

n
deemed fit by the Lender.

a
4 Loan term (year/months/days) 276 Months

a
5 Instalment details

Number of Equated

m
Type of instalments Periodic Instalments EPI (₹) Commencement of repayment, post sanction
(“EPI”)

m
Monthly 276 Months 1,28,911

a
Interest rate (%) and type (fixed or
6 10.4% per annum - (Floating Rate of Interest)

l
floating or hybrid)

S a
7 Additional Information in case of Floating rate of interest

it
Impact of change in the
reference benchmark (for 25 bps

p
Benchmark rate (%) Spread Final rate (%) R Reset periodicity change in ‘R’, change in:)
Reference Benchmark Final Rate + .25 =

a
(B) (%) (S) = (B) + (S)
10.4 + .25 = 10.65

C
B S EPI (₹) No. of EPIs

Scenario 1: Scenario 1:
Impact on EPI Impact on EPI
amount with amount with
no change in no change in
Number of Number of
EPIs EPIs
EPI Amount = Number of
131268.96 EPIs = 276
Retail Marginal Current RMLR- 12.60 10.4% per
-2.2 % Monthly Monthly
Lending Rate (RMLR) % annum Scenario 2: Scenario 2:
Impact on Impact on
Number of Number of
EPIs with no EPIs with no
change in EPI change in EPI
Amount Amount
EPI Amount = Number of
128,911 EPIs = 301

8 Fee/ Charges

Payable to the Lender (A) Payable to a third party through Lender (B)

Amount One-
One-time/ Recurring Amount (in ₹)
(in ₹) time/Recurring

(i) Processing Fees One-time 0

Transaction
(ii) One-time 0
Handling Charges

Database Admin
(iii) One-time 0
Fees
 Legal and
(iv) One-time 0
Valuation Charges

9 Annual Percentage Rate (APR) (%) 10.40%

10 Details of Contingent Charges (in ₹ or %, as applicable)

Penal charges, if any, in case of delayed

(i) 24% (twenty four percent) per annum on the outstanding of EMI/ Pre-EMI
payment

Penal Charges for breach of other terms &

(ii) conditions of agreement (other than default 2% (two percent) per annum on the outstanding amount of loan
in payment)

(iii) Foreclosure charges, if applicable Not Applicable

Not Applicable
Charges for switching of loans from floating
(iv) The details of switch policy can be accessed on the Lender’s website: ROI Switch
to fixed rate and vice versa
Policy | Sammaan Capital

n
The Borrower(s) shall also be liable to pay to the Lender any other fee/charges, as
applicable under the Loan Documents and/or as specified by the Lender. For details

a
(v) Any other charges (please specify) of various charges/ fees can be accessed on the Lender website:

a
https://www.sammaancapital.com/home-loan-fees-and-charges ,unless otherwise
specified in the Loan Documents.

m
11 Validity of Key Facts Statement (‘KFS’) 30 days from the date of this KFS

S a m a l
a p it
C
 Part 2 (Other qualitative information)

Clause of Loan
agreement relating to The Lender reserves the right to engage recovery agents, at its sole and absolute discretion, as per the
1
engagement of recovery Lender’s Collection Policy and regulatory guidelines.
agents.

In the event of any complaint/ grievance, the Borrower(s) and/or Co-Borrower(s) may visit their nearest
Lender’s branch office and register their query/complaint via a grievance form (available on the Lender’s
website at link https://www.sammaancapital.com) or contact the Lender on its toll free number at 1800-
Clause of Loan
572-7777 or write to customer care at homeloans@sammaancapital.com If the grievance/ complaint has
agreement which details
2 not been resolved within a 30 days, the Borrower(s) and/or Co-Borrower(s) may directly write to Reserve
grievance redressal
Bank of India (“RBI”) and/or upload their complaint at CMS (Complaint Management System) in online
mechanism
mode facility being available at the web site of RBI on link: https://cms.rbi.org.in OR in offline mode by
post/ physical letter to the office of Integrated Ombudsman, Reserve Bank of India, 4th Floor, Sector 17,
Chandigarh - 160017

n
Phone number and
Ph: 0124-6048088
3 email id grievance

a
Email - Grievance@sammaancapital.com
redressal officer

a
Whether the loan is, or
The Lender shall be entitled to sell, securitize, transfer, encumber and/or assign any/all of its rights and
in future maybe, subject
obligations (including the Borrower's Dues/Loan or any part thereof with or without any Security) under
4 to transfer to other

m
the Loan Documents to any person(s)/entity and on such terms and conditions as the Lender, in its sole
Lenders or securitization
and absolute discretion deems fit.
(Yes/ No)

m
5 In case of lending under collaborative lending arrangements (e.g., co-lending/outsourcing)

a l
Name of the originating
Lender, along with its Name of the partner Lender along with its proportion of funding Blended rate of interest

S a
funding proportion

it
Not Applicable Not Applicable Not Applicable

p
6 In case of digital loans, following specific disclosures may be furnished:

a
(i) Cooling off/look-up
period, in terms of Lender’s

C
board approved policy,
Not Applicable
during which borrower shall
not be charged any penalty
on prepayment of loan

(ii) Details of LSP acting as

recovery agent and
Not Applicable
authorized to approach the
borrower
 The Borrower(s) agrees and confirms as follows:

a) That the Borrower(s) accepts Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) Key Facts Statement
along with Annexures and its calculation method, Other Charges and all other amounts payable as per the KFS are reasonable and
the Borrower(s) has understood the meaning of each KFS points and its financial implications, amounts payable and liabilities and
obligations created herein.

b) This KFS shall, as may be considered appropriate/relevant by Sammaan Capital Limited (formerly known as Indiabulls Housing
Finance Limited), be read as an integral part of, and be enforceable along with, the Loan Agreement and any documentation
accompanying the Loan agreement.

c) The Borrower(s) has read and understood Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited) Key
Facts Statement and agrees to be bound by the KFS. In the event the Borrower(s) is illiterate and/or cannot read English language,
the terms of this KFS have been read over, translated and explained in detail in the vernacular language to the Applicant (s).

Date : 27-DEC-24

n
For Sammaan Capital Limited

a
(formerly known as Indiabulls Housing Finance Limited)

m a
Authorized Signatory Acknowledgment and acceptance by the
Borrower(s)

S a m a l
Signature of Borrower(s)

a p it
C
 Annex B

Illustration for computation of APR for Retail and MSME loans

Sr.
Parameter Details
No.

Sanctioned Loan amount (in

1 1,35,00,000.00
Rupees)

2 Loan Term (in years/ months/ days) 276 Months

No. of instalments for payment of

(a) principal, in case of non- equated Not Applicable
periodic loans

Type of EPI Monthly

n
Amount of each EPI (in Rupees) 1,28,911

a
(b)
Nos. of EPIs (e.g., no. of EMIs in

a
276
case of monthly instalments)

No. of instalments for payment of

m
(c) -
capitalised interest, if any

Commencement of repayments,

m
(d)
post sanction

a l
Interest rate type (fixed or floating
3 Floating
or hybrid)

S t a
4 Rate of Interest 10.4% per annum

i
Total Interest Amount to be charged

p
during the entire tenor of the loan
5 0
as per the rate prevailing on

a
sanction date (in Rupees)

6 Fee/ Charges payable (in Rupees) 0

C
A Payable to the Lender 0

Payable to third-party routed

B 0
through Lender

Net disbursed amount (1-6) (in

7 1,35,00,000
Rupees)

Total amount to be paid by the

8 borrower (sum of 1 and 5) (in 1,35,00,000
Rupees)

Annual Percentage rate- Effective

9 annualized interest rate (in 10.40%
percentage)

Sammaan Capital Limited (formerly known as Indiabulls Housing Finance Limited)

(“Lender”) may disburse the Loan (or any part thereof) only upon the fulfillment by the
Schedule of disbursement as per
10 Obligor(s) of all the conditions precedent as may be specified by the Lender. The Loan
terms and conditions
(subject to deductions, if any) may be disbursed in full or in such tranches as mentioned in
the request for disbursal of the Loan by the Borrower(s) or as deemed fit by the Lender.

Due date of payment of instalment

11
and interest

** Due date for payment of EPI may vary in case of principal moratorium.