Please Read Carefully

Date: May 20, 2025

Dear EMA NASRIN JULEKHA AHMED
C/O: YAKUB ALI AHMED JHAGRARPAR PT 1 CHOTO BASHJANI DHUBRI ASSAM 783324,CHOTO BASHJANI,
ASSAM, 783324

We refer to your application no. 2848787 and are pleased to advise the sanction of Facility as per following terms
and conditions:

Date of Application/Renewal May 20, 2025

Lead ID lead1irm36po74359
Name of the Borrower/Co-borrowers
EMA NASRIN JULEKHA AHMED
(“Borrower”)
Nature of Facility Personal Loan
Purpose of Facility Personal Loan
Facility Limit 0.00
Interest Type NA
0% p.a. Interest amount if
repayment is done before due date
A. Interest to be borne by the else Late Fee + Penal Interest &
Borrower
Rate of Interest charges will apply
(Per Annum on Reducing Balance
Applied monthly) B. Interest to be borne by the Partner
(Applicable in case of 18% per annum
subvention/no cost EMI or
subsidized interest)
Effective rate of interest 18%
Due Date from Drawdown As per the due date specified for respective tranches (“Tenor”)
Tenure of the Facility 36 months
Validity of the Sanction Letter 1 month
Processing Fee: Nil
Fees and Charges Part-prepayment Fee: Nil
Foreclosure Fee: Nil
Late Payment fees: Rs 500 Plus applicable Taxes (incl GST)
In the event there is default in Repayment at the end of the Tenor, Interest
at the rate 36% p.a. to be paid by the Customer/ Borrower under the
Charges for delayed payments
Loan/Credit Facility from the date of disbursement till repayment of all
the outstanding amounts by the Customer/ Borrower (“Additional
Interest”)
All taxes including goods and services tax, duties and levies as per applicable law
Taxes & Levies pertaining to the transaction (including on the charges mentioned above) whether
present or in future to be borne by the Borrower.

1. TO AVOID ANY PENAL CHARGES FOR DELAYED PAYMENT, IT IS ADVISED TO MAKE

PAYMENT BEFORE DUE DATE.
2. PLEASE DO NOT PAY CASH / OTHER EQUIVALENT FORM TO ANYONE FOR THE PROCESSING OF YOUR
LOAN, IF PAYMENTS MADE TO ANY REPRESENTATIVE OF AEFPL TOWARDS ANY FEE / CHARGES,
PLEASE ASK FOR VALID RECEIPT.
3. IN CASE ANY DEMAND FOR CASH IS MADE PLEASE REFUSE AND CONTACT US ON THE DETAILS
MENTIONED BELOW.
4. IF ANY VERBAL COMMUNICATION MADE TO YOU IS IN CONTRADICTION TO THE ABOVE
TERMS & CONDITIONS OR IF YOU HAVE ANY GRIEVANCE REGARDING THE CREDIT
FACILITY, PLEASE CONTACT US AT support@aefpl.in.
5. All charges mentioned above will either be payable upfront or deducted from the disbursal amount.
6. “Drawdown” means each amount of the Loan facility to be borrowed or actually borrowed under this
Agreement. Further the Borrower can avail multiple Drawdowns subject to not breaching Facility Limit
and Facility Limit being valid at the time of Drawdown.
7. “Drawdown Date” means the date when Drawdown is requested by the Borrower. Except otherwise
mentioned any interest, penalty or other charges applicable to the Facility Account, would be charged
 from drawdown date.

Terms & Conditions:

I/We acknowledge that:

1. These are the most important terms of the aforesaid Facility, and all other terms and conditions of the
Facility shall be as specified in the Loan Agreement.
2. There shall be no refund of Processing Fee paid to AEFPL in any case whatsoever.
3. Further it is sole responsibility of the Borrower to check the available Facility Limit before any
Drawdown and also to enquire the validity of Facility Limit, to avoid any inconvenience of decline of
Drawdown by the Borrower.
4. The above charges may be modified by AEFPL without notice in case prescribed by any of the
regulatory authorities and with due notice or intimation in any other scenarios through any of the
communication process mentioned in the Agreement
5. AEFPL, at its sole discretion, shall be entitled to revoke this sanction upon occurrence of any of the
following events:
o There is any material change in the purpose(s) for which the Facility has been sanctioned.
o In the sole judgment of AEFPL, any material facts have been concealed and / or become
subsequently known.
o Any statement, declaration, undertaking or disclosure made by, or on behalf of, the
Borrower/Customer in the application or otherwise is incorrect, inaccurate, incomplete or
misleading.
o There is a default or a breach of the terms and conditions of this Sanction Letter, the Loan
Documents or any other loan offered by AEFPL or its group company to the Borrower/Co-
Borrower.
o If there is any bankruptcy or insolvency proceeding filed or admitted against the
Borrower/Customer.
o Relevant documents are not executed by the Borrower as per AEFPL’s policy and format.
6. I/We are aware that the Sanction Letter, Loan agreement and other incidental documents executed by
me/us integrate all the conditions mentioned herein or incidental thereto, and supersede all
negotiations or prior writings, except for those provisions specified herein. In the event of any conflict
between the terms, conditions and provisions of the Sanction Letter/Loan agreement/ documents
executed incidental thereto with the terms mentioned herein, then in such an event the terms,
conditions and provisions mentioned in the Loan agreement shall prevail.
7. The sanction of the above mentioned Credit Facility and all the terms and conditions mentioned in this
Sanction Letter are subject to the execution of a Loan Agreement and other documents in writing in
physical or digital form (“Loan Documents”) as AEFPL may specify in the prescribed formats. This
Sanction Letter intends to summarize certain basic terms of the Facility and the Loan Documents and
does not reflect the complete agreement between AEFPL and the Borrower in relation to the Facility.
8. The Sanction Letter shall contain additional terms and conditions which may have not been set out in
the Loan agreement shall be read together with the terms and conditions specified in the Loan
Agreement.
9. Notwithstanding the issuance of this Sanction Letter and the acceptance thereof, AEFPL may decide
to not disburse the entire or part of the Facility, repudiate and rescind this Sanction Letter unilaterally
without assigning any reasons.
10. Disclosure: As a precondition to the Credit Facility to be granted to the Borrower by the AEFPL, the
Borrower by accepting this Sanction Letter authorize, consent and agree for the disclosure and
sharing by the AEFPL of all or any information and data relating to the Borrower to the Reserve Bank
of India (“RBI”) and/or to the Credit Information Bureau (India) Ltd (“CIBIL”) and/or to information
utilities (“IUs”) and/or to any other agency authorized in this behalf by RBI / CIBIL, to the AEFPL’s
professional advisers and consultants, to its affiliates/ subsidiaries and to its service providers. In case
of default in the repayment of the loan/advances/facility/interest on due dates, the AEFPL and/or the
RBI / CIBIL will have an unqualified right to disclose or publish the name of the Borrower and its
directors / partners as defaulter in such manner and through such medium as the bank or the Reserve
Bank of India in their absolute discretion may think fit.
11. In the event of any change of address for communication, any change in the job/ profession of the
Borrower, the same needs to be intimated by the Borrower to AEFPL, within one month.
12. Confidentiality: The Sanction Letter and its content are intended for the exclusive use of the Borrower
and shall not be disclosed by the Borrower to any person other than the Borrower’s legal advisors for
the purposes of the proposed transaction unless the prior written consent of the Lender is obtained.
13. Representations and Warranties: Usual and customary for transactions of this nature, including but
not limited to maintenance of existence; notices of default, material litigation; compliance with
applicable laws and decrees; payment of taxes; maintenance and insurance.
*** This is a System Generated Sanction letter and does Not Require any Signature***