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SANCTION LETTER

Date: Co-Applicant:
Applicant: Guarantor:
Address:

Sub: Your application for ${(product)!} with GRIHUM HOUSING FINANCE LIMITED (formerly known as Poonawalla Housing
Finance Limited)

Ref: Loan Account Number:

Dear Sir / Madam,

Thank you for choosing GRIHUM HOUSING FINANCE LIMITED (formerly known as Poonawalla Housing Finance Limited)
(“Grihum” or the “Lender”,which term shall mean and include its transferees, assigns and partner Co-lender(s,) as the case
may be) as preferred partner for loan. We are pleased to inform you that, with reference to the above application, we have
sanctioned you a loan facility as per the terms and conditions mentioned below and overleaf:

Sanctioned amount (In Rs.)

Type of loan
Loan tenure (months)
Interest type
Frequency of EMI payment Monthly
Grihum's Floating Reference Rate (FRR)
Margin /Spread
Rate of interest (in % per annum basis)
Sanction letter validity 60 (Sixty) days from date of issuance
Indicated Equated Monthly Instalment (EMI In Rs.)
Due Date of payment 7th of every month
Property Insurance Premium Amount (In Rs.)
Life Insurance Premium Amount (In Rs.)
Critical Illness Insurance Premium Amount (In Rs.)
Health Insurance Premium Amount (In Rs)
CERSAI Charges
Interest on Overdue EMI/ Instalment/ Pre-EMI At the same rate of interest applicable to the Loan
Late Payment Charges/ Penal Charges (in addition 12% per annum i.e., 1% of the overdue/ default
to interest on overdue EMI/ Instalment/ Pre- EMI, amount plus GST for each month of delay/ default in
payable in case delay in payment) payment of outstanding dues/ EMI/ Instalment/ Pre-
EMI
VAP Amount (In Rs.)
Mode of Payment NACH
Processing Fee (Non-Refundable) (In Rs.)
Login Fee to be paid upfront (Non-Refundable) (In
Rs.)
Balance Login Fee as applicable ( Non-
Refundable ) (In Rs.)
Loan Sourcing/ Loan Documentation/ Technical/
Valuation/ Legal/ CERSAI/ CKYC/ NeSL charges
including applicable taxes (Non- Refundable) (In

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
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Rs.)
Stamp duty, registration charges and other related To be borne by the applicant as per the prevalent
charges payable on the Loan Agreement, security stamp duty rates applicable in the respective State(s).
creation document(s) etc.
Prepayment charges Refer tariff sheet
No Prepayment/ Foreclosure Charges to be levied in the following scenarios:
(a) Where the housing loan is on floating interest rate basis and pre-closed from any source.
(b) Where the housing loan is on fixed interest rate basis and the loan is pre-closed by the borrower out of their
Own Sources***.
(c) Any floating rate term loan sanctioned for purposes other than business to individual borrowers.
End Use of Loan
Details of security and additional/ collateral security

Notes:

* Amounts are indicative and will be subject to change depending upon on the actual date of disbursement, change in rate of
interest, if any and not inclusive of other applicable charges payable in the event of default in repayment.
*** The term “Own Sources” shall mean any source utilized/ availed by the Borrower for the purpose of pre-payment/
foreclosure and which does not include any borrowing from a bank, housing financial company, non-banking financial company
and/ or a financial institution

Sanction Conditions:

Yours Truly

For Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)

Authorised Signatory

Acknowledgement and Acceptance

Signature: Signature: Signature:

Borrower Name: Co-Borrower Name: Guarantor Name

Date:

Place:

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

Additional Terms and Conditions

1. The term "Applicant" shall also include all co-applicants and Guarantors, wherever applicable, except where the
context implies otherwise and all references to Grihum, shall mean Grihum Housing Finance Limited (formerly known
as Poonawalla Housing Finance Limited) (Grihum), unless the context implies otherwise.
2. This Sanction Letter should not be construed as giving rise to any binding obligation on the part of Grihum to provide
the financial assistances/ facilities, mentioned overleaf, unless the Applicant has duly executed loan agreement and
security creation documents and other transaction documents, in a form and manner as may be required by the Lender,
from time to time.
3. The sanction is subject to legal scrutiny and diligence of title deeds/ documents and technical valuation of the Property
proposed to be mortgaged as and by way of security. Grihum’s opinion as to the validity and marketability of the title
and value of the Property shall be considered as final for the purpose of sanctioned loan.
4. The Applicant will create an Equitable Mortgage/ Registered Mortgage of the property as may be stipulated by the
Lender,. The Loan will be secured by first and exclusive mortgage of the property proposed for availing this loan and
/ or such other security, as Grihum may find necessary and acceptable. Such documents/ reports/ evidence as may
be required by Grihum shall be produced to ascertain that the property to be mortgaged with Grihum has a clear and
marketable title. The original title deed/s of the property(ies) proposed to be mortgaged shall be deposited by the
applicant with the Lender, for securing the loan.
5. Before commencement of an EMI, the Applicant shall be required to pay Pre-Equated Monthly Instalments (PEMIs) to
service the interest due on outstanding balance of the Loan. The Repayment Schedule shall provide break-up between
Principal and Interest components of EMIs/ PEMI and, in relation to the Loan, it shall be provided by the Lender to the
Borrower prior to first Due Date.
6. In case of Housing Loan for construction of dwelling unit or under construction residential unit, non-completion of
construction within 36 months of availing the Loan shall render absolute right to Grihum to convert the Loan to Non-
Housing Loan and to increase in rate of interest as per its internal policy, as applicable, with or without notice.
7. The Loan will not be disbursed in part or full, until own contribution (Margin) has been paid in full, i.e. the cost of the
dwelling unit less loan sanctioned by Grihum.
8. In case of additional limits, the existing mortgage shall be extended to cover the proposed additional limit and / or as
per the sanctioned conditions. Grihum may seek such additional securities as may be necessary to secure the
additional limits.
9. The Applicant shall be required to inform Grihum in writing about any changes in correspondence address, change in
employment, loss of job, business, profession, as the case maybe immediately after such change/ loss, notify the
causes of delay, loss / damage to the property, notify the additions / alterations to the property.
10. The Loan amount has been fixed, inter alia on the assumption that the cost of the dwelling unit to be purchased or
constructed will be as estimated in the application. In the event of the cost actually incurred being less, Grihum
reserves the right to suitably reduce the loan amount.
11. Notwithstanding anything stated elsewhere in this letter or otherwise, the facilities mentioned overleaf will be available
solely at Grihum's discretion and subject to compliance of all formalities and documentation as may be
specified/required by the Grihum. In the event of any non- compliance of with the same, all the fees paid to Grihum
will be non-refundable.
12. Login fees collected by the Lender is refundable only in the event such as death and severe disability of the applicant
during the underwriting process.
13. Login fees may be collected by the Lender in more than one tranches.
14. This letter of offer shall stand revoked and cancelled and shall be absolutely null and void if, (a) any material changes
occur in the proposal for which this Loan is sanctioned or; (b) any material fact concerning income, or ability to repay
or end-use or any other relevant aspect of the proposal or application for the Loan is withheld, suppressed, concealed
or not made known to Grihum or; (c) any statement made in the loan application is found to be incorrect or untrue.
15. All statutory levies like Stamp duty, Registration Charges etc. or taxes applicable from time to time will have to be
borne by the Applicant. The applicant is liable to pay other applicable charges notified under Grihum tariff sheet-
Schedule of charges enclosed/ updated on Grihum's website from time to time/ displayed at branches.
16. In case of floating rate loans or a combined rate loan (during the tenor when linked to the FRR), the rate of interest
applicable to the facilities shall be as per FRR prevailing on the date/s of disbursement(s). Grihum's shall, at its sole -
discretion, review and, if considered necessary, revise the FRR at any time and from time to time as per its internal
policy, market conditions and/or applicable laws and regulations, if any, during the tenor of the Loan, which shall be
intimated to the Borrower at the time of such revision.In case of such loan , the applicable interest rate may get revised
upward or downward, from time to time,as per the terms and conditions mentioned in the loan agreement.On reset of
the floating rate of interest,the applicant shall be given the choice to opt for any of the following options:
. enhancement in EMI or elongation of tenor or for a combination of both options; and,

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

. to prepay, either in part or in full, at any point during the tenor of the loan subject applicable foreclosure
charges/ pre-payment penalty.
17. In case of any change/revision in applicable FRR/ floating interest rate, the Applicant shall have the option to switch
over from floating rate to fixed rate subject to Grihum’s internal policy. However, such option to switch over from a
floating rate to a fixed interest rate or vice versa shall not be available more than two times during the entire tenor of
the loan subject to applicable charges.Further, Grihum may offer, at its sole discretion, an option to reprice/revise the
interest rate basis the vintage of business relationship and repayment track record of the Loan. Such switching/
repricing of interest rate shall be subject to payment of switch fee and other charges as mentioned in the tariff sheet,
Schedule of charges enclosed/ updated on Grihum's website from time to time/ displayed at branches and other
internal guidelines, which shall be decided by Grihum at its sole discretion.
18. Grihum may change the Pre-EMI option on your loan to EMI option, which shall be decided by Grihum at its sole
discretion and shall be duly intimated to the Borrower with respect to such change.
19. The Applicant shall provide 4 Security post-dated cheques (SPDCS), to be replenished, well in advance, as and when
they are exhausted towards payment of outstanding balances or bank account is closed.
20. The EMIs, Pre-EMI interests are to be paid by7th (seven) day of every month and in case that day is a Sunday or a
public holiday, on the immediately preceding day.
21. On the The Loan shall be utilised only for the Purpose entire Outstanding Balance, in the event of any occurrence and
continuance of any breach of terms of this Agreement (excluding the payment default as specified in Clause 3.8 (a)
above) by the Borrower. Such additional interest shall be applicable to the Borrower from the date of the breach of the
terms of this Agreement until such breach has been cured/rectified to the satisfaction of the Lender.
22. Top-up amount, if any, out of the total loan-exposure sanctioned, will be disbursed after adjusting current principal
outstanding in the existing Loan Account/ Proposal No.(s), as applicable. At the same time, all the loans
Accounts/Proposal Nos. will be linked to each other and related property- documents will not be released till the time,
all the Loan Accounts/Proposal Nos. are closed in the books of Grihum.
23. Insurance is a subject matter of solicitation. The Applicant has an option to enrol under Group Insurance scheme (with
Grihum as the Master Policyholder) to cover the loan facility availed in full or part-disbursal. However, the Applicant is
free to avail insurance from any of insurance intermediaries. In case of any violation, please report it to
nodalofficer@grihumhousing.com Please note that if the Applicant avails insurance cover, he/ she shall be required to
pay premium to the insurance company for the same which may be paid either directly by the Applicant or through
Grihum by deducting the premium from the loan amount at the request of the Applicant. All insurance (both Life and
non-life) policies are effective date of certificate of insurance.
24. The terms and conditions hereof will be subject to laws, rules, regulations, and guidelines as applicable to the credit
facilities and will be subject to change with notice as applicable.
25. The above Loan has been sanctioned for the purpose for which it has been applied for. If the Loan is used for any
other purpose or Grihum apprehends that the Loan is likely to be put to such other use, Grihum will have the right to
withdraw the Loan and recall the amounts due.
26. By accepting the Loan hereby granted, the Applicant accepts and confirms that the Loan availed by them, as also the
Loan to be availed by them have been / shall be utilized only for the purposes for which they have been granted.and
not for any illegal and /or antisocial and/or speculative purposes in any form.
27. All the credit facilities listed above and any disputes arising out of the same shall be governed in accordance with
Indian laws and shall be subject to the jurisdiction of courts in Pune.
28. In case of default in the repayment of the loan/ advances/ facility/ interest on due dates, Grihum will have an unqualified
right to disclose or publish the name of the Applicant(s) and/or its partners/ directors as defaulter in such manner and
through such medium as Grihum in their absolute discretion may think fit.
29. No modification, alteration or waiver of the terms and conditions of sanction as stated hereinbefore will be valid
enforceable and binding, unless such modification, alteration or waiver is ratified/ approved by Grihum. Grihum
expressly disclaims any liability for any such modification/ alteration or waiver to the terms and conditions of the facility
by way of electronic communication including but not limited to electronic mails unless the same has originated from
the following e-mail addresses:- customercare@grihumhousing.com .
30. Classification of any Loan Account as Special Mention Accounts (SMA)/Non-Performing Asset (NPA) and upgradation
of Loan account once classified as NPA as standard shall be as per the applicable regulatory requirements. The Loan
Account with overdue Principle or/and Interest or any other amount overdue (wholly/ partly) for a period upto 30 days
shall be classified as SMA-0, The Loan Account with overdue Principle or/and Interest or any other amount overdue
(wholly/ partly) for a period of more than 30 days and upto 60 Days shall be classified as SMA-1. The Loan Account
with overdue Principle or/and Interest or any other amount overdue (wholly/ partly) for a period of more than 60 days
and upto 90 Days shall be classified as SMA-2 and the Loan Account with overdue Principle or/and Interest for a
period of more than 90 days shall be classified as an NPA. Further, the Loan/ Borrower classified as NPA shall be
upgraded as Standard Asset only if entire principal and interest arrears is paid. This clause shall be subject to the
regulatory directions/ guidelines issued by the RBI from time to time. This classification as SMA/NPA and other
provisions are as per the presently applicable regulatory requirements and in case of any changes in the applicable
regulatory requirements, the classification shall be as per the changed/amended regulatory requirements.The

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

Applicants hereby confirm that they have been duly explained the asset classification criteria with example by the
Lender in their vernacular language and that they have clearly understood the said asset classification criteria.
31. By accepting this Sanction Letter, you confirm that you have understood the approach adopted by Grihum for gradation
of risk and the rationale for charging different rate of interest to different categories of borrowers. In this regard, please
note that Grihum has adopted an Interest Rate model taking into account relevant factors such as cost of funds, margin
and risk premium to determine the rate of interest to be charged for loans and advances. For this purpose, Grihum
also considers the following factors like Income/ Employment Profile, Repayment Capacity, other Financial
Commitments, Credit History, Loan to Value Ratio, Type of Security/ Collateral, Purpose of Loan, Regulatory Capital/
Provisions required etc. Accordingly, Grihum may charge different rate of interest to different categories. For further
details in this regard, please refer to Grihum’s website.
32. 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 Grihum. It is further confirmed that
no cash/ bearer cheque has been collected from the Applicant with respect to the loan amount.
33. The Applicants hereby expressly confirm that they have read and fully understood the terms of the Sanction Letter.
The Applicant further confirms that the Lender has explained the terms of the Sanction Letter to them in their vernacular
language, and they have fully understood the same. The Applicants further represent and confirm to the Lender that
they have perused and understood all the terms and conditions of this Sanction Letter, which have been made
available to them in the language that they best understand on Grihum's website at https://grihumhousing.com .
34. Please note that, notwithstanding anything stated elsewhere in this Sanction Letter or otherwise, the Loan shall be
available solely at Grihum's discretion and subject to compliance with all requirements and documentation as may be
specified by Grihum. Further, Grihum may decide to repudiate and rescind this Sanction Letter or downsize the Loan
unilaterally, with or without assigning any reasons.
35. Within a period of 30 days after full repayment/ settlement of all loan related dues, the Lender shall release all original
property/ title documents submitted by the Borrower and take actions/ file charge satisfaction form with relevant registry
to remove charges registered, subject to continuance of any other charges or security interest in favour of Grihum,
wherever applicable.The original property/ title documents will be handed over to the Borrower either at branch of the
Lender from where the loan account was serviced or any other branch of the Lender where the said documents are
available, as per your preference.
36. In case the borrower has submitted the deemed OVD at the time of sanction of the loan, the borrower shall submit the
updated OVD within a time period of 90 days from the date of disbursement failing which the rate of interest shall
increase by 0.25% each quarter upto next four quarters upto a maximum 1%.The ROI is to be re-instated to the original
rate of interest with effect from the beginning of next quarter
37. A signed copy of this letter to be given to Grihum as acceptance of the terms and conditions mentioned above and
overleaf.
38. Grihum has right to enter into co-origination/ co-lending arrangement with Banks and Non-Banking Financial
Companies including Housing Finance Companies (referred to as “Co-lender” in this Sanction Letter) for the purpose
of extending financial assistance/ credit facility/ loan facility to one or more borrowers. By signing this Sanction Letter,
you, the Borrower, acknowledge that a portion of your loan may be financed by such Co-lender, as part of a co-lending
arrangement between Grihum and such Co-lender in accordance with the applicable guidelines, if any, issued by the
Reserve Bank of India. By acceptance of the Sanction Letter, you expressly consent to the assignment/ transfer of a
portion of your loan to such Co-lender which shall be subject to all related terms as set forth in the Loan Agreement
and the Most Important Terms and Conditions document.
39. Your acceptance of these terms confirms your understanding and agreement to the terms of the loan, including the
co-lending partnership and assignment process. It further represents your commitment to cooperate with both Grihum
and the Co-Lender in matters concerning the loan’s administration, servicing, and repayment.
40. For any information about applicable interest rate/charges related query or any other query please visit Grihum’s
website or its nearest branch or contact us at our customer care Email ID customercare@grihumhousing.com or call
us at our toll free number 1800-266-3204.

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

Most Important Terms and Conditions (MITC)

The Most Important Terms and Conditions of the Loan under Loan Account no. ${(applicationNumber)!} agreed to by and
between Grihum Housing Finance Limited (formerly known as Poonawalla Housing Finance Limited) (hereinafter referred to
as 'Grihum' or “Lender”) and Mr./Ms. ${(primaryCustName)!} (hereinafter referred as 'Borrower') and other
${(TP_CoApp1Na)!},${(TP_CoApp2Na)!},${(TP_CoApp3Na)!} () are as under:
1. Loan
Sanctioned Amount: ${(sanctionedLoanAmount)!}
2. Interest
(i) Type (Fixed or Floating or Dual/ Special Interest Rate): ${(interestRateType)!}
(ii) Floating Reference Rate (FRR) (as on date): ${(TP_Prate)!} % per annum
(iii) If on Floating Rate, applicable Interest Rate: FRR (+/-) ${(interestRate)-(TP_Prate)!} % per annum
(iv) If on Fixed Rate, applicable Interest Rate: ______ % per annum
(v) If on Combined Rate, applicable Interest Rate (as on date): On Fixed Rate: ______ % per annum for ______ months and
on Floating Rate: FRR (+/-) ____% = ______% per annum
with effect from ____________
(vi) Moratorium or Subsidy: Please refer to the Sanction Letter and the Loan Agreement for detailed terms and conditions on
Moratorium or Subsidy, as applicable, to the Loan.
(vii) Date of reset of interest Rate: A Floating Rate Loan or a Combined Rate Loan (during the tenor when linked to the FRR)
shall be reset as and when the FRR is revised by Grihum. For any reset of Interest Rate or revision in FRR, Grihum shall follow
its internal Policy for Determining Interest Rates. In the case of such loan, the applicable interest rate may get revised upward
or downward, from time to time, as per the terms and conditions mentioned in the loan agreement.
On reset of the floating rate of interest, the Borrowers shall be given the choice to opt for any of the following options:
(a) enhancement in EMI or elongation of tenor or for a combination of both options; and,
(b) to prepay, either in part or in full, at any point during the tenor of the loan subject applicable foreclosure charges/ pre-
payment penalty.
In case of any change/revision in applicable FRR/ Floating Interest Rate, the Borrower shall have the option to switch over
from floating rate to fixed rate subject to Grihum’s internal policy. However, such option to switch over from a floating rate to a
fixed interest rate or vice versa shall not be available more than two times during the entire tenor of the loan subject to
applicable charges. Further, Grihum may offer, at its sole discretion, an option to reprice/revise the interest rate basis the
vintage of business relationship and repayment track record of the loan. Such switching/ repricing of Interest Rate shall be
subject to payment of switch fee or other charges as mentioned in the tariff sheet schedule of charges enclosed/ updated on
Grihum's website from time to time/ displayed at branches and other internal guidelines, which shall be decided by Grihum at
its sole discretion.
(viii) Modes of communication of changes in interest rate: Grihum shall provide information, including any revision thereof, on
Interest Rate, various types of Fees and Charges through any one or more of the following media:
• Putting up notices at Grihum's branches.
• Through telephone or helpline.
• Notice through Short Messaging Service/ E-Mail/ Electronic Message or notice
• in writing.
• On Grihum's Website.
• Through designated staff / helpdesk.

Once rate of interest, fee and charges are notified through any of above media, the Borrower shall be deemed to have noticed
changes in Interest Rate, various types of Fees and Charges.
3. Installment Types: Monthly, unless otherwise mentioned in the Sanction Letter/ Loan Agreement.
4. Equated Monthly Instalment (“EMI”): Rs ${(monthlyEmi)!}.
In case of partially disbursed cases, ‘Pre-Equated Monthly Installment’ (“PEMI”) to be paid on monthly basis on Due Date.
PEMI will be charged from the date of first disbursement to the date of commencement of EMI.
5. Loan Tenure: ${(tenure)!}
6. Purpose of Loan: ${(TP_App_Prps)!}
7. Fee and Other Charges: As mentioned in Schedule of Charges enclosed with the letter
8. Security/Collateral for the Loan: The following property has been mortgaged as security for the Loan:
(i) Address of the Property: [#if collateralAddressList?has_content][#list collateralAddressList as
collateralAddress]${(collateralAddress)!}[/#list][/#if]

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

(ii) Details of the Guarantor(s) for the Loan, if any: ${(TP_Gur_cons)!}

(iii) Details of other Security(ies), if any:
9. Insurance of the Property/Borrowers: The Borrower should, at his/ her own cost, insure the mortgaged assets against all
insurable risks and for such amounts and for such period and forms as Grihum may require and ensure that Grihum is
mentioned as the loss payee or assignee of such policy. It is suggested that the Borrower should take a life insurance plan to
cover his liabilities towards the Loan availed, which may arise in case of any eventuality. The Borrower, at his/ her own
discretion, may choose insurance cover from any reputable insurance company.
10. Conditions for Disbursement of the Loan: As per terms and conditions mentioned in the Sanction Letter and the Loan
Agreement.
11. Repayment of the Loan & Interest: Repayment of the Loan shall be through EMIs comprising of Principal and Interest
components or PEMIs comprising of Interest as per terms and conditions mentioned in the Sanction Letter and the Loan
Agreement, as applicable. Grihum shall provide the Repayment Schedule to capturing break-up of an EMI between Principal
and Interest after disbursement of the Loan. Based payment of dues towards the Loan, Grihum shall classify the Loan as
Special Mention Account (“SMA”) or Non-Performing Asset (“NPA”) in accordance with the regulatory requirements. An
illustrative example in this regard is given below:
If due date of the Loan, as per the Agreement, is 31st March, 2021, and full dues are not received before the day-end process
for this date, then date of overdue shall be 31st March 2021. If the overdue continues, then the Loan shall be tagged as SMA-
1 on running day end process of 30th April, 2021 (i.e., upon completion of 30 days from due date). If the Loans continues to
remain in overdue, it shall be tagged as SMA-2 upon running day end process on 30th May, 2021 (i.e., upon completion of 60
days from due date). If the Loan further continues to be in overdue category, it shall be tagged as NPA upon running day end
process on 29th June 2021 (i.e., upon completion of 90 days from due date).
12. Brief procedure to be followed for Recovery of overdues: In case of non-payment of dues by the customer, Grihum
shall have right to initiate legal action against the Borrower in accordance with provisions of the Loan Agreement and applicable
laws. Before initiating any such legal action, Grihum shall send notice to the Borrower as required under applicable laws.
13. Date on which annual outstanding balance statement will be issued: ____________
14. Customer Services:
(i) Office Visiting Hours - Weekdays and Third, Fourth & Fifth Saturday (if any) of the Month From 10:00 AM to 5:00 PM for all
Months.
(ii) Contact Person- Customer Service Desk
(iii) Procedure to obtain various documents- Customer need to call on help line 1800 2663204 on Monday to Saturday from
from 9:00 A.M. to 7:00 P.M or can write us on customercare@grihumhousing.com
(iv) Turn Around Time (TAT) for obtaining the following documents:
 To retrieve SOA – 30 working days on mail and mailing address.
 To retrieve copy of documents -15 working days on mail & 17 working days on mailing address
 To retrieve original property documents on closure/ transfer of the Loan- Within a period of 30 days after full
repayment/ settlement of all loan related dues, the Lender shall release all original property/ title documents submitted by the
Borrower and take actions/ file charge satisfaction form with relevant regis-try to remove charges registered, wherever
applicable. The original property/ title documents will be handed over to the Borrower either at branch of the Lender from where
the loan account was serviced or any other branch of the Lender where the loan documents are available, as per your
preference, post confirmation call.

15. Grievance Redressal

In case of any query/ grievance, you will have option to reach the Lender's representatives as per the enclosed Query
Resolution Process.

16. Acknowledgment and Consent to Co-Lending and Assignment

Grihum has right to enter into co-origination/ co-lending arrangement with Co-lender(s) for the purpose of extending financial
assistance/ credit facility/ loan facility to one or more borrowers. By signing/accepting the Sanction Letter, you, the Borrower,
acknowledge that a portion of your loan may be financed by other financial institution(s)/ bank(s) having a co-lending
arrangement with Grihum in accordance with the applicable guidelines, if any, prescribed by the Reserve Bank of India. You
expressly consent to the assignment/ transfer of a portion of your loan to the Co-lender subject to all related terms as set forth
in the Loan Agreement and the Most Important Terms and Conditions (MITC) document. Your acceptance signifies your
comprehensive agreement to these arrangements without the need for additional documents or formalities.

It is hereby agreed that for detail terms and conditions of the loan, the parties hereto shall refer to and rely on the loan
agreement and other security documents executed/ to be executed by them.

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
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The above terms and conditions have been read by the Borrowers(s)/ read over to the borrower by Mr./ Ms. _______________
of Grihum and have been understood by the borrower(s).

For Grihum Housing Finance Ltd. Borrower(s): :

(Formerly Poonawalla Housing Finance Limited)

Authorized signatory Borrower(s) / Co-Borrower(s) signature

Guarantor(s)

Guarantor(s) signature

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

Tariff Sheet /Schedule of Charges (*please refer to the Notes below)

# Particulars Applicable Amount

1 Login Fee (Non-Refundable) (which may be Not to exceed Rs.10,000/-

collected in one or more tranches at the option of
the Lender)
2 Processing Fee (Non-Refundable) upto 0.50% of sanctioned loan amount
plus GST, subject to minimum of Rs
2,000 plus GST
3 Loan Sourcing/ Loan Documentation/ Technical/ Upto 2% of Sanctioned loan amount
Valuation/ Legal/ CKYC / NeSL Charges (Non- ( Inclusive of Processing Fee )
Refundable)
4 Stamp duty, registration charges and other To be borne by the applicant as per the
related charges payable on the Loan Agreement, prevalent stamp duty rates applicable in
security creation on document(s) etc. the respectiveState(s).
5 Charges on cancellation of loan/ rebooking Rs. 5,000/-
6 Payment Instrument Bounce Charges (Cheque/ Rs. 600/- per instance
ACH or any other mandates)
7 Interest on Overdue EMI/ Instalment/ Pre- EMI At the same rate of interest applicable
to the Loan.
8 Penal Charges for delay in payments of 12% per annum i.e., 1% of the overdue/
outstanding dues (in addition to interest on default amount plus GST for each
overdue EMI/ Instalment/ Pre- EMI) month of delay/ default in payment of
outstanding dues/ EMI/ Instalment/ Pre-
EMI
9 Charges for switching from floating to fixed 0.50% on outstanding principal amount
interest rate and vice-versa; or Repricing of the
Loan
10 Payment instrument Swap fee for changing Rs. 500 /- per swap
repayment instrument/NACH
11 Statement of Accounts Rs. 500/- per statement
12 (Duplicate copy of Interest Statement/ NOC/ Rs. 250/- for soft copy shared through
Foreclosure Letter/ Welcome Letter/ Amortization Email or Digital Link and Rs. 550/- on
Schedule/ Loan Agreement) apart from hard copy
Statement shared annually or Loan Agreement
Copy provided with Welcome letter at the time of
Loan Disbursement
13 List of Document Charges Rs. 500/-
14 Retrieval of copy of document Rs. 250 /- for one document, Rs. 500/-
for 2 to 4 documents, Rs. 750 /- for
more than 4 documents
15 Part payment charges & Pre-payment/ 4% for loans under Fixed Interest Rate
Foreclosure Charges (Applicable on outstanding Cases or under Fixed Interest Rate
principal amount at the time of closure) period for loans under Combined
Interest Rate and payment is not out of

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

borrower's own source; OR

4% for loans on floating interest rate for

loans extended for business purposes.
16 Charges for issuance of Foreclosure Letter Rs. 1500/-
17 Collection Charges Rs. 600/- per visit collection of dues
from the customer Residence/ Office
18 Differential Interest (Any interest accrued due to Will be refunded or charged at any time
gap in applicable rate of interest and existing suitable to customer or at the time of
rate of interest of any loan account) closure of the loan
19 Any other incidental charges incurred by Grihum Assigned/ allocated to the loan account
Housing Finance during the course of the loan
20 Over the Counter Service charges - Repayment As applicable at the time of services
or Others Matters
21 CERSAI Charges Rs.50 plus GST for loan amount upto
Rs.5 lakhs
Rs.100 plus GST for loan amount
above Rs.5 lakhs

Please note:

1. Floating Rate of Interest (ROI) chargeable on loan is linked to benchmark Floating Reference Rate(FRR) Rate of
Interest on a loan shall be payable as per the corresponding revision in benchmark Floating Reference Rate
(FRR).
2. All applicable taxes, duties and levies would be additionally levied on the above charges from time to time as per
the applicable law.
3. Login fees collected by the Lender is refundable only in the event such as death and severe disability of the
borrower during the underwriting process.
4. Above Tariff Schedule/Schedule of Charges is not exhaustive and the charges presently mentioned are at the
rates currently prevalent and can be changed from time to time, at the sole and absolute discretion of the Lender
and such changes shall be final and binding on all its customers. For latest update on applicable Fee/charges or
change in Floating Reference Rate (FRR) please refer to our website www.grihumhousing.com or visit the
Lender’s nearest branch as same is displayed on the branch’s notice board. Upon any revision of the charges, the
Lender shall intimate the Borrower of the revision, through any of the means like display on website, display on
notice board at branches, short messaging service, e-mail, electronic message, calls or notice in writing and the
Borrower shall be required to make payment of applicable charges at revised rates. In case of change in your
contact details including Mobile No. please intimate to the Lender for updation at the earliest.
5. The term “Own Sources” shall mean any source utilized/ availed by the Borrower for the purpose of pre-payment/
foreclosure and which does not include any borrowing from a bank, housing financial company, non-banking
financial company and/ or a financial institution.
6. For any further clarifications, please contact us at our toll-free customer care helpline number 1800 266 3204 on
Monday to Saturday from 9:00 A.M. to 7:00 P.M.or write to us at customercare@grihumhousing.com
7. You can also make payment online, through the Quick pay option at our website www.grihumhousing.com and
follow the instruction detailed under the link.
8. All the foreclosure requests by the borrower will be addressed by the lender within a period of 21 working days
from the date of receipt of such request by the lender.

For Grihum Housing Finance Ltd. Borrower(s):

(Formerly Poonawalla Housing Finance Limited)

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

Authorized signatory
Borrower(s) / Co-Borrower(s) signature

Guarantor(s)

Guarantor(s) signature

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com
The picture can't be display ed.

CUSTOMER QUERY RESOLUTION PROCESS:

Call Us
For any of your queries or service requirements, please call us at 1800 266 3204. We would be eager to serve you better. Our
customer care call center is available between 9:00 am and 7:00 pm from Monday to Saturday.
You may also write to us at the address:
Manager - Customer Services,
GRIHUM HOUSING FINANCE LIMITED
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
You have option e-mailing us at: customercare@grihumhousing.com (Please mention your Loan Account Number and
Contact Number in the subject line).
We will endeavor to resolve your query within 7 working days of receiving your letter or within 48 hours of receiving your email.
If we are not able to resolve your query within 7 working days, then we would explain you the reason why the Lender would
need more time to respond.
Escalation 1 :
In case you are not satisfied with the response from our Customer Care/Helpline, you can write to Head-Operations at
head.customercare@grihumhousing.com (Please mention your Loan Account Number and Contact Number in the subject
line).
Escalation 2 :
If you are still not satisfied, you can write to the Nodal Officer at nodalofficer@grihumhousing.com
Escalation to National Housing Bank (NHB):
In case you do not receive the response from the Lender within one month of making the first complaint or you are dis-satisfied
with the response received, you may approach the Complaint Redressal Cell of NHB through the following modes of
communication:
(a) Online mode- You may click on following link for registering complaint: https://grids.nhbonline.org.in.
(b) Offline Mode- In offline/ physical mode by post, you may write in prescribed format available at link
https://www.nhb.org.in/grievance-redressal-%20officer/
The Grievance Redressal Department, National Housing Bank, Core 5A, India Habitat Centre, Lodhi Road, New Delhi- 110
003.

For Grihum Housing Finance Ltd. Borrower(s):

(Formerly Poonawalla Housing Finance Limited)

Authorized signatory Borrower(s) / Co-Borrower(s) signature

Guarantor(s)

Guarantor(s) signature

Grihum Housing Finance Limited

(Formerly known as Poonawalla Housing Finance Limited)
CIN: U65922PN2004PLC208751
Registered Office: 6th Floor, B- Building, Ganga Trueno, Lohegaon, Pune-411014, Maharashtra
T: +91 020 67808091 | E: customercare@grihumhousing.com | W: www.grihumhousing.com