eSigned using Aadhaar

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01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL

Date: Fri May 09 13:30:06 IST 2025

 Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Doctor Loan Application Form

Please fill in all the required details in BLOCK LETTERS. Tick ✓ boxes as applicable. All Fields Mandatory

✓ Doctor's Loan Applicant Please Co-Applicant

paste passport- Please paste
Application Form No. DL00000011119 size photograph passport-size
here with photograph here
Requested Loan Amount 2 0 0 0 0 0 0 Tenure in Months 6 0
signature across with signature
across
Type of Loan ✓ New Top-Up BT Restructure Parallel

For office use only

Application Type* New Update

KYC Number

Account Type* Normal Simplified (for low risk customers) Small

Demographic Details

Personal Detail Applicant Co-Applicant/ Guarantor

M r . G I R R A J

Name* K H A N D E L W A L

M r . M A H E S H

Father's/ Spouse Name* G U P T A

Mother Name* M r s . K A N T A D E V I

Date of Birth* 3 0 0 8 1 9 9 3

Gender* ✓ Male Female Male Female

Marital Status* Single ✓ Married Single Married

Citizenship* ✓ Indian Other ISO 3166 Country Code I N Indian Other ISO 3166 Country Code

✓ Resident Individual Non Resident Indian Resident Individual Non Resident Indian
Residential status* Foreign National Person of Indian Origin Foreign National Person of Indian Origin

Occupation Type* ✓ Self Employed Service Self Employed Service

PAN* C K G P K 1 3 4 4 D

Qualification*
Relation with applicant
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Address

Current Address* 2 3 A S A R A S W A T I C O L
O N Y B E H I N D B P L G O D
O W N G O N E R R O A D J A M District
D O L I L U N I A W A S J A I P Pin/Post Code
U R State/U.T Code ISO 3166 Country Code
District J a i p u r
Pin/Post Code 3 0 2 0 3 1
State/U.T Code S T 2 6 ISO 3166 Country Code I N

No. of years at current address 2 0 0 0

No. of years in current city 2 0 0 0

Current Residence* ✓ Self Owned Rented Other (Please specify) Self Owned Rented Other (Please specify)

Correspondence / Local address ✓ Same as Current/Permanent/Overseas Address details (In case of Same as Current/Permanent/Overseas Address details (In case of
details multiple correspondence / local addresses, please fill 'Annexure Al') multiple correspondence / local addresses, please fill 'Annexure Al')
2 3 A S A R A S W A T I C O L
O N Y B E H I N D B P L G O D
O W N G O N E R R O A D J A M
D O L I L U N I A W A S J A I P
U R
District J a i p u r District
Pin/Post Code 3 0 2 0 3 1 Pin/Post Code
State/U.T Code S T 2 6 ISO 3166 Country Code I N State/U.T Code ISO 3166 Country Code

Preferred Mailing Address ✔ Current Office Permanent (Pls specify the reason for this selection)

Employment Detail Applicant Co-Applicant/ Guarantor

Occupation Salaried Self Employed ✓ Professional Salaried Self Employed Professional

Designation C A

Company/ Business Name* G I R R A J K H A N D E L W A L

9 5 0 0 3 : S t a f f l o a n s :
Industry Type p u r c h a s e o f c o n s
Business Type Trader Manufacturer ✓ Service Trader Manufacturer Service

Office Address* 2 0 3 A S H Y A M A N U K A M
P A A S H O K M A R G A H I N
S A C I R C L E C S C H E M E Pin
J A I P U R J A I P U R R A
J A S T H A N
Pin 3 0 2 0 0 1

Business Constitution I n d i v i d u a l

Off. Ph. with STD Code

Extn. No.

Official Email ID n a @ g m a i l . c o m

Total yrs in present occupation 2 0 0 0 years years

Total Work Experience 0 5 0 0 years years

Total Monthly Income

Other Income

Total

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Contact Details

Tel. (Off)

Tel. (Res)

FAX

Mobile* 8 5 6 0 8 4 2 0 1 9

g i r r a j k h a n d e l w a l 1 9
Email ID* 9 3 @ g m a i l . c o m
Proof of Identity (Pol)*

PAN No. C K G P K 1 3 4 4 D Aadhar No.

GST No. Voters ID

Passport No. if passport, passport expiry date.

Driving License if DL, DL expiry date

Others (Pls Specify)

NREGA Job Card (any document notified by the central government)

Simplified Measures Account - Document Type code Identification Number

Proof of Address (PoA)*

Address Type* ✓ Residential/ Business Residential Business Registered Office Unspecified

Proof of Address* Passport Driving Licence ✓ UID (Aadhaar) Voter Identity Card NREGA Job Card Others (Pls Specify)

Simplified Measures Account - Document Type code

Remarks (If any)

Existing Loans
Commencement Current
Loan/Facility Financer'sName Account No. Loan Amount Tenure Months EMI/Interest
Date Outstanding
0 0 116801.0
CREDIT CARD 0 0 0.0 24/02/2025 0
CREDIT CARD 0 589 0.0 04/12/2024 0
SECURED CREDIT
0 9000 0.0 20/11/2024 6570
CARD
BUSINESS LOAN -
0 2000000 48 54809.0 26/10/2024 1877020
UNSECURED
LOAN TO
0 1146805 96 13762.0 12/10/2024 1146805
PROFESSIONAL
CREDIT CARD 0 12727 0.0 27/02/2024 51250
CREDIT CARD 0 3940 0.0 06/02/2024 -297
CREDIT CARD 0 7252 0.0 30/10/2023 1426
OVERDRAFT 0 1096500 0.0 20/10/2023 1096498
CREDIT CARD 0 59364 0.0 12/09/2023 -46639
PERSONAL LOAN 0 23500 24 0.0 09/09/2023 0
CREDIT CARD 0 151337 0.0 01/07/2023 151337
CREDIT CARD 0 197233 0.0 08/05/2023 150117
PERSONAL LOAN 0 400 1.0 05/04/2023 0
CREDIT CARD 0 16340 0.0 07/12/2022 -739
CREDIT CARD 0 100792 0.0 16/08/2022 0
CREDIT CARD 0 588 0.0 29/06/2022 0
HOUSING LOAN 0 729276 180 8753.0 18/06/2022 674525
HOUSING LOAN 0 846145 180 9093.0 31/03/2022 763567
CREDIT CARD 0 150476 0.0 15/02/2022 149573
CREDIT CARD 0 6337 0.0 28/12/2021 0
CREDIT CARD 0 155909 0.0 21/10/2021 50446
BUSINESS LOAN -
0 300000 0.0 15/09/2021 50010
UNSECURED
CREDIT CARD 0 105126 0.0 24/02/2021 0
CREDIT CARD
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0 590 0.0 30/01/2021 0
(Leegality.com
CREDIT- CARD 0 142450 18 0.0 26/08/2020 136715
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CREDIT CARD 0 40969 0.0 06/01/2020 0

CREDIT CARD 0 24890 0.0 03/12/2019 780
CREDIT CARD 0 149572 0.0 12/11/2018 99715
CONSUMER LOAN 0 100000 666.0 11/10/2018 0
CREDIT CARD 0 67233 0.0 28/03/2018 2

Bank Details
Current/Savings/OD
Sr. No. Name of Account Holder Name of Bank Branch (If OD Please Account No. Banking Since
Specify Limit)
1 Mr. GIRRAJ KHANDELWAL STATE BANK OF INDIA Savings 00000051109582805
2 MR GIRRAJ KHANDELWAL HDFC BANK LTD Current 50100228424342

Insurance Declaration

I/We hereby declare that I/We would like to opt for insurance plan offered by insurance company in association with ABCL I/We have carefully read and understood the contents of the

brochure. I/We have understood that the Loan/Facility amount sanctioned by ABCL is unconditional to my/our opting for the Insurance & undertake to pay the requisite premium at the

time of disbursement of the loan. I confirm that I am voluntarily participating in this program and am aware that the loan is available without the insurance as well.

Reference 1 Reference 2

Name S H A R A D Name A S H W A N I

Relationship R e l a t i v e Relationship F r i e n d
If Personal Guarantor Yes ✓ No If Personal Guarantor Yes ✓ No

Current Address J A I P U R Current Address J A I P U R

Landmark City J A I P U R Landmark City J A I P U R

State R A J A S T H A N Pin 3 0 2 0 3 1 State R A J A S T H A N Pin 3 0 2 0 3 1

Landline Landline

Mobile 9 7 9 8 9 1 2 4 4 5 Mobile 9 0 7 9 2 3 2 9 3 6

Acknowledgement Application Form No. DL00000011119

Dear Sir/Madam,

This is to acknowledge that ABCL has received your application form for _________________________ of Rs _________________________ ABCL shall communicate its decision on your application
within 15 working days. This is subject to submission of all documents and conforming to internal guidelines of ABCL. Terms and Conditions are also available on our website :
www.adityabirlacapital.com

Business Development Manager: ______________________ Channel Name: _______________________ Contact No: _______________________
Date: _______________________ Email ID: ______________________________________________ Signature: _______________________
Declaration

1. I/We, hereby declare that the details furnished above are true and correct to the best of my knowledge and belief and I under take to inform you of any changes therein, immediately. In case any of the above
information is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it. 2. I /We, confirm that no insolvency proceedings or suits for recovery of outstanding dues or
monies whatsoever and/ or any criminal proceedings have been initiated and /or are pending against me/ us and that I/We, have never been adjudicated insolvent by any court or other authority. 3. No action nor other
steps have been taken or legal proceedings started by or against me/us in any court or law/other authorities for winding up, dissolutions, administration or reorganization or for the appointment of the receiver,
administrator, administrative receiver, trustee or similar officer for my /our assets. 4. I/We, declare that I/We have not made any payments in cash, bearer cheque or kind along with or in connection with this application
to the executive collecting my/our application. I/we, shall not hold Aditya Birla Capital Limited. (hereinafter referred to" ABCL") liable for any such payments made by us to the executive collecting this application. 5.
I/We, understand and acknowledge that ABCL shall have the absolute discretion, without assigning any reasons (unless required by applicable law) to reject our application and ABCL shall not be responsible in any
manner whatsoever to me/us for such rejection or any delay in notifying me /us of such rejection and any costs, losses, damages or expenses, or other consequences, caused by reasons of such rejection, or any delay in
notifying me/us of such rejection, of our application. 6.I/We, understand and am/are aware that the processing fees collected from me/us by ABCL, is for the purpose of ABCL reviewing this loan application as per its
own parameters and is not refundable to me/us under any circumstances whatsoever, irrespective of whether ABCL sanctions this loan application of mine or not. 7. I/We. confirm that I /we, shall not use the products or
the credit /loan facility(s) (or any part thereof) for any improper/illegal or unlawful purpose/ activities. 8. I/We, shall inform to ABCL regarding any changes in my /our address(s) or my employment or profession.
9.I/We, hereby confirm that I/we, am/are competent and fully authorized to give declarations, undertaking etc. execute and submit this application form and all other documents for the purpose of availing the loan,
creation of security and for all the purposes mentioned /required to be done for this. 10. I/We, confirm that I/we, shall cooperate with ABCL and furnish additional documents and/or shall execute such other documents,
if necessary to enable ABCL to abide by/comply with all other existing /further directives of the statutory /regulatory authorities/any other authority acting under any Law. 11. I/We, hereby give consent to the ABCL or
its Authorized Agents and third party service providers to use information/data provided by me to contact me through any channel of communication including but not limited to email, telephone, sms, etc. and further
authorize the disclosure of the information contained herein to its affiliates/group companies or their Authorized Agents or Third Party Service Providers in order to provide information and updates to me on various
financial and investment products and offering of other services. 12. I/We, Agree that all personal or transactional related information collected/provided by me can be shared/transferred and disclosed with the
abovementioned parties including with any regulatory, statutory or judicial authorities for compliance with any law or regulation in accordance with privacy policy as available at the website of the ABCL.13.I/We,
hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number/email address. 14. I/We, hereby provide our consent to ABCL to obtain the Applicant(s)
information from Credit Information Company and/or information utility and/or such institution set up under the provisions of law from time to time, as and when required. 15. I/We hereby undertake to ABCL that,
I/we shall submit the OVD's (any one of the a) Passport, b) Aadhaar, c) Voter ID, d) Driving License e) NREGA Job Card) with the current address details within a period of 3 months from the date of submission of
Deemed OVD's (if it has been submitted at the time of applying loan). Non submission of the same shall be an event of default. 16. I/We hereby authorize and give consent to ABCL to share, make disclosure(s) without
notice to me/us of any information relating to me/us including personal information, details in relation to loan, security, defaults etc with/to ABCL's branches/subsidiaries/associates/affiliates, RBI/CIBIL/credit bureaus/
rating agencies/ other governmental/regulatory/statutory or private agency/entity, service providers, any third parties, any assignees/potential assignees or transferees, who may need to process and publish the
information in such manner and through such medium as it may be deemed necessary by ABCL/ above entities, for purposes including but not limited to, KYC information verification or other verification, credit risk
analysis, investigation, collections/recovery as also publishing the name as part of wilful defaulter's list as and when required or for any other purpose incidental, related or ancillary thereto.

IMPORTANT NOTE
• That the receipt of your application form for the loan does not imply automatic approval of your loan by ABCL. ABCL may request additional documents other than those in connection with the application. I/We
confirm that the executive who collected my/our applications/documents has informed me/us and I/we am/are fully aware: 1. That Government Tax as may be applicable from time to time will be charged in
connection with the Loan. 2. That ABCL will not be liable for loss or delay in receipt of the documents. 3. That incomplete/defective applications will not be processed, and ABCL shall not be responsible in any
manner for the resulting delay or otherwise. 4. That the application forms, documents/photographs will not be returned under any circumstances once submitted to ABCL. 5. That approval for the applications is at the
sole discretion of ABCL. 6. That the quantum of the loan will be finally decided by ABCL, and ABCL has not made any commitment to me/us regarding the same. 7. That equated installments (EMI) will be due on
1st/5th of every month (strike out which is not applicable).

• The Most Important Terms and Conditions mentioned above are an indicative list of terms and conditions of our loan products. These Terms and Conditions are further described in our loan agreement under
relevant sections/schedules and therefore should be read in conjunction with those mentioned in the loan agreement.

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X
Jaipur

Place

Applicant's Signature Co-Applicant's Signature

09/05/2025

Date

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FOR OFFICIAL USE ONLY

Documents Received Self-Certified True Copies Notary Risk category ✓ Low Medium High
In Person Verification Carried Out By Institution Details
Identity Verification Done Date 0 9 0 5 2 0 2 5 Name
N I Y O G I N F I N T E C H L I M I T E D
Emp. Name RA V I S H A N K A R Code A B C 0 0 0 0 0 0 1 8 3 4
Emp. Code BG 4 7 6 9 5 5

Emp. Designation
Emp. Branch J a i p u r

[Employee Signature] [Institution Stamp]

Aditya Birla Capital Limited

Registered Office: Indian Rayon Compound, Veraval - 362 266, Gujarat | +91 28762 43257 | CIN: L67120GJ2007PLC058890.
Corporate Office: One World Centre, Tower 1, 18th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone
Road, Mumbai - 400 013. Tel No: 91-22-6723 9101 | abc.secretarial@adityabirlacapital.com | www.adityabirlacapital.com
For customer care and other queries: care.finance@adityabirlacapital.com | Toll-free no.: 1800-270-7000
Terms and conditions apply. Credit at sole discretion of Aditya Birla Capital Limited (ABCL) and subject to credit appraisal,
eligibility check, rates etc. ABCL may use the services of their authorized agencies in servicing the requirements.

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Business Installment Loan (BIL) /

Doctors Loan (DL) Documentation
Borrower Name:
Mr. GIRRAJ KHANDELWAL

Relationship Manager Name:

RAVI SHANKAR

Branch:
Jaipur

Date of Execution:
09-05-2025

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INDEX

Particulars Details To be executed for To be stamped

MII Form Most Important Information Acknowledgment Form All Cases Yes

Standard Terms and

Terms and conditions accepted by the Borrower All Cases Yes
Conditions

Most Important
Terms and conditions accepted by the Borrower All Cases No
Terms & Conditions

Request for
Borrower's request for disbursement All Cases No
Disbursal

Confirmation by the Borrower regarding

Declaration for
understanding the terms & conditions of the
signing in As Applicable No
Agreement where the Borrower is not conversant
vernacular language
with English Language

Incase case the payment is to be made to ABCL Only ABC

DAS Form No
through Deduction at Source Employees

Cheque Submission
Record of PDCs submitted As Applicable No
Form

Key facts of the loan agreement in standardised RBI

Key Facts Statement All Cases No
Format

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MOST IMPORTANT INFORMATION

Attention: Please read carefully before signing
ACKNOWLEDGEMENT FORM
CUSTOMER COPY APP ID # DL00000011119
(For Office Use Only)

I/We refer to final application form No. DL00000011119 Dated 09-05-2025 submitted by me/us to Aditya Birla Capital Limited.

I/We have been provided the following information and I/we have read and understood the following information and agree with the

same and have accordingly filled up the aforesaid application form.

Nature of Facility Personal Power

Type of Facility Term Loan ✓ Flexi Loan (tick as applicable)

Facility Amount Not Exceeding 590580

Amount 1^ of each Instalment 14,050

No. of Monthly Instalments 60

First Instalment Date 02-07-2025

Due Dates for Installments 2 day of each month

Rate of Interest 15.0 % per annum (p.a.)

Processing Fees (non-refundable) Rs. 11812.0 +Taxes as applicable

Credit Administration Fees Rs. 1181.0 +Taxes as applicable

Stamp Duty Charges (non-refundable) As per State Stamp Act

Cheque Bounce Charges & Late Payment fee As mentioned in the Schedule of Charges

Prepayment/Foreclosure charges As mentioned in the Schedule of Charges

Advance EMI

1For Flexi Loan - the amount of each installment shall vary, it shall be calculated as per the amount withdrawn from the approved

Loan limit.

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^BPI will be deducted along with First EMI - Please refer welcome letter received on your registered e-mail I'd for exact amount of

First EMI.

I/We acknowledge that:

• I hereby acknowledge receipt of copy of Most Important Information, Standard Terms & Conditions and Most Important Terms &
Conditions.
• I/We have not made any payment in cash/bearer cheque or kind along with or in connection with this application form
• I/We are aware of the fact that it is not mandatory for Aditya Birla Capital Limited to inform either in advance or subsequently of
the levy of any charges and/or change in the levy or introduction of such levy.
• Aditya Birla Capital Limited is entitled to add, to delete, to recall the loan in event of default without any notice or modify any of
the aforesaid terms and conditions and the same shall be binding on me/us.
• In the event of any change of address for communication, any change in job, profession by me or my co borrower, the same should
be intimated to Aditya Birla Capital Limited one month in advance.
**Interest on the Personal Power loan shall accrue from the date on which the disbursal has been effected in the loan account and
accordingly the computation of the first EMI shall be calculated only for the actual number of days remaining for the due date of first
instalment. ABCL shall charge and collect BPI (Broken Period Interest). This will be deducted along with First EMI - Please refer
welcome letter received on your registered e-mail I'd for exact amount of First EMI. For rest of the instalments the entire period of 30
days based on a pre drawn schedule shall be taken into consideration. The disbursement of the Personal Power loan will be done by
issuing the disbursement Pay order I Demand dra or otherwise Without the Bank concerning itself with the receipt of such
disbursement by the Beneficia / Recipient and also with the realisation of such payment order I Demand dra or the time taken In such
realization. The interest will be calculated on a daily basis and will be applicable on the outstanding balance or the utilized Loan limit
amount. *All loans are at the sole discretion of Aditya Birla Capital Limited. I/we have read and understood terms & conditions
regarding non-disbursement of the Loan on account of non-fulfilment of the documents/- formalities as required by Aditya Birla
Capital Limited and agree with the same.

Name of the Applicant(s) Mr. GIRRAJ KHANDELWAL

Sign. Date 09-05-2025 Location Jaipur

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SCHEDULE OF CHARGES
BUSINESS INSTALLMENT LOAN (BIL) / DOCTORS
Type of Charges
LOAN (DL) (GST shall be levied wherever applicable)

3% p.m. (36% p.a.) on the overdue amount for the delayed

Penal charges (charges levied for non-payment of dues)
period

Penal charges for non-compliance with material terms

and conditions (covenants/stipulated conditions) 2% p.a. on the outstanding loan amount till the date of
mentioned in the Sanction Letter / Loan Agreement, compliance
wherever applicable

Cheque return/bounce charges/ECS/SI/NACH failure

Rs. 1,000 per instance
charges

Processing fees Upto 2.75% of the loan sanctioned amount (Non-refundable)

Mandate Cancellation Charges (One-time levied in

case customer cancels an active mandate
Rs. 450
instruction for recurring repayment(s) and no
new mandate is registered ):

Cheque Re-issuance charges Rs. 500 per instance

Rs. 2,000
- Cancellation allowed within 15 days from the date of
Loan cancellation charges disbursal
- The applicable processing fee to be retained before
reversing the funds

Statement of Account/ Repayment Schedule/ any other

For Physical copy Rs. 500 per request
document/statement

Duplicate No Due Certificate issuance charges Rs. 1,000 per instance

No-Objection Certificate issuance charges Rs. 500 per instance

Charge For Exchanging PDCs, Security Cheques (Per

Rs. 750 per instance
Set) / ECS / NACH re-registration charges

Rs. 750 per instance

Note: Interest accrued (from original EMI date to revised
EMI cycle change date EMI date), if any, on account of EMI date change shall be
applicable and payable upfront over and above the EMI
change date charges

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Loan Re-schedulement charges (on request from

Rs. 7,500 per instance
applicants, approval to be at sole discretion of ABCL)

For Flexi Loan:

Annual Maintenance Charges upto 0.50% on total withdrawable amount irrespective of
utilisation on the date of levy of such charges

Rs. 50 per instance for Consumer and Rs. 500 per instance
CIBIL/Credit report retrieval fee
for commercial CIBIL/Credit Report

Stamp Duty As per actuals, where applicable

Legal and other statutory charges As per actuals, wherever applicable

Filing Financial information with Information Utility

As per actuals, wherever applicable
(NeSL)

Insurance Premium As per actuals, wherever applicable

For Term Loan:

Upto 4% of the principal outstanding

Foreclosure charges For Flexi Loan:

Upto 4% of the withdrawable amount
Foreclosure is allowed only after 12 months from the date of
Loan disbursal

For Term Loan:

Upto 4% of the part pre-payment amount, subject to
following:
• Total of 20% of the Principal outstanding will be allowed
for part pre- payment twice during the tenor of loan
• Part pre-payment amount shall be equal to or greater than
total of 3 EMIs
Part Pre-payment charges
• No pre-payment is allowed in first 12 months from the date
of disbursement

For Flexi Loan:

No charges for part pre-payments through mobile app/portal
Part pre-payment of loan facility toward limit reduction is
not available

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STANDARD TERMS AND CONDITIONS

THE STANDARD TERMS AND CONDITIONS set out herein (the "Standard Terms") shall be applicable to the Term Loan/ Flexi
Loan provided/ to be provided by Aditya Birla Capital Ltd ("ABCL") to the Borrower(s).

1. Upon the representation and information provided by the Borrower(s) in the application for the loan made to ABCL, ABCL hereby
agrees to lend to the Borrower(s) the sum specified in the Most Important Information section of this document for the
personal/business requirements of the Borrower(s), which shall hereinafter be referred to as the 'Loan".

2. The ABCL shall have the right to recall the Loan at any time at its discretion, without assigning any reasons for such recall, and
upon such recall, the Loan and all other amounts stipulated by the ABCL shall be payable forthwith.

3. The Borrower(s) shall be liable for all amounts due and all costs, duties, levies etc. incurred in enforcing this Standard Terms or in
undertaking any recovery proceedings with respect to the Loan. The Borrower(s) acknowledges that the stamp duty is applicable to
this Standard Terms and accordingly has paid the same, in case of any deficit the Borrower(s) shall be liable for the same.

4. The Borrower(s) shall repay the Loan, and the interest payable thereon, in monthly instalments as per the repayment schedule
specified in the Most Important Information section, which instalments are hereinafter referred to as "The Equated Monthly
Instalments" or "EMI". Any dispute, including that relating to the interest computation, shall not entitle the Borrower(s) to withhold
payment demanded by the ABCL and/or payment of any EMI. The repayment schedule for the Loan is without prejudice to the
rights of the ABCL to re-compute the interest, in case of any variation of the same. On such re-computation, payments shall be made
by the Borrower(s) in accordance with such amended repayment schedule(s), as may be intimated by the ABCL to the Borrower.

5. The Borrower(s) agrees to issue Cheques/NACH/Sls (referred to as "Repayment Instructions") prior to the disbursement of the
Loan for the repayment of the Loan and is fully cognizant that dishonour of the repayment of the Loan is a criminal offence under
the law. Additionally, ABCL will also accept payment through NEFT/ RTGS and the Borrower(s) can choose to avail such options
when required to make payment towards the Loan account.

6. The Borrower(s) acknowledges that the Cheques/NACH/SI mode of repayment is issued in favour of the ABCL, in advance for
the payment of the EMls (as applicable). ABCL may at any time at its sole discretion, with prior notice to the Borrower(s), make a
demand for the repayment of the Loan and dues thereto. The Borrower(s) shall not revoke the Cheque/NACH/SI mode for payment
of the EMls (as applicable) during the tenure of this Loan, except with the prior approval of the ABCL. In case the Borrower(s)
revokes his/her/their/its consent to participate in the NACH/SI mode without obtaining the prior written consent of the ABCL, the
same shall be deemed to be an 'Event of Default', as defined in this Standard Terms and ABCL shall have the right to forthwith
recall the Loan without giving any notice to the Borrower(s). Notwithstanding anything contained herein, ABCL shall have the right
to initiate criminal action or take any other action/remedy available under the applicable laws against the Borrower(s).

7. In case of Term Loan, the Borrower(s) may prepay the entire outstanding balance of the Loan or may opt for part -prepayment,
basis the norms and charges as mentioned in the schedule of charges. Pre-Payment amount will get adjusted towards interest,
principal amount outstanding and other charges. The prepayment shall take effect only if the standard NACH/SI payment for the
month or alternate payment made through NEFT/RTGS has been cleared and proceeds thereof realized by the ABCL in clear funds.

8. In case of Flexi Loan , the Borrower(s) shall have option to withdraw any amount from the approved Loan limit as per his/her/
their/its requirement and accordingly the interest payable thereon shall be computed by ABCL which shall be communicated to the
Borrower. Borrower(s) shall also have an option of repayment through the ABCL mobile app/website without any application of
pre-payment charges to manage his/her/their/its Loan outstanding. The Borrower may also foreclose the Loan basis the norms and
charges as mentioned in the Schedule of Charges.

9. The records maintained by the ABCL shall be conclusive proof of the amounts outstanding from and due by the Borrower(s).

10. A certificate issued by the ABCL stating the amount due at any particular time shall be conclusive evidence as against the
Borrower(s). However, nothing herein shall prejudice the ABCL's interests or rights if there is any clerical or arithmetical error in
the interest calculations due and payable by the Borrower(s).

11. ABCL shall have a right to sell or transfer (by way of assignment, securitization or otherwise) whole or part of the outstanding
amounts under the Loan or any other rights under this Standard Terms or any other document pursuant hereto to any person in a
manner or under such terms and conditions as ABCL may decide in its sole discretion, without any notice to the Borrower(s). The
Borrower(s) shall not transfer or assign his/her/their/its rights under the aforesaid Loan.

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
7/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Borrower(s)'s Representations, Warranties, Covenants and Undertakings

With a view to request ABCL to grant the Loan to Borrower(s), the Borrower(s), hereby represents, warrants to, covenants and
undertakes with ABCL that he/she/they/it-

1. Has given complete and correct information and details in the application form about himself/herself/themselves/itself

2. ABCL's associates, agencies, Credit Information companies and/or any other agency so authorized may use, process the said
information and data disclosed to ABCL in the manner as deemed fit by them and

3. Has no pending claims demands litigation or proceedings against him/her/them before any court or authority (public or private);

4. Shall ensure that the purpose for the Loan advanced by ABCL is fulfilled in all respects and produced to ABCL, the necessary
documents, as may be required by ABCL;

5. Shall in addition to the income/ financial statement/s required by ABCL furnish such other information/ documents concerning
his/her employment, trade, business, profession or otherwise as ABCL may require from time to time;

6. Shall promptly and without requiring any notice or reminder from ABCL, repay to ABCL the Loan in accordance with the
Repayment Terms mentioned herein

7. Shall (in case of more than one borrower) be jointly and severally liable to repay the Loan, interest and all other sums due and
payable under this Loan document and to observe its terms and conditions;

8. Where applicable, shall inform ABCL of any likely change in his/her employment or his/her/their/its business, trade as the case
maybe.

9. Shall not stand surety or guarantor for any third-party liability or obligation without the prior consent of ABCL;

10. Being a resident in India, shall not leave India for employment or business or long stay without first fully repaying the Loan then
outstanding due and payable with interest and other dues, including prepayment charges, if any;

11. The Borrower(s) shall, in case the borrower(s) is a company/firm/body corporate, notify ABCL at least 30 days in advance of any
intended a) change in business, constitution or constitution documents or b) closure of its business or c) change in address

12. The Borrower(s) hereby undertakes to keep the ABCL informed of any change in the Borrower(s)'s e-mail ID, Telephone
number, Mobile number and Address. The Borrower(s) authorizes ABCL to update the contact information change that ABCL may
be informed of and hereby authorizes ABCL to contact the Borrower(s) at the updated contact details, by post, telephone, e-mail,
SMS/text messaging. Borrower(s), hereby undertake that all communication as required under the Loan shall be made by the
Borrower(s) from the email id as communicated, which is in Borrower(s) name or in the name of authorised representative of the
Borrower(s). Borrower(s) further state that ABCL shall be free to communicate with the Borrower(s) on the communicated email id
and/or the Mobile number with regards to any kind of communication as may be required pertaining to the Loan and the same shall
be valid and binding on the Borrower(s).

13. The Borrower(s) agrees and undertakes not to and warrants and represents to ABCL that the Borrower(s) shall not utilize the
Loan for any antisocial, unlawful, or speculative purposes and/or capital market purposes.

14. The Borrower(s) agrees that ABCL shall send any notice/letter/other document meant for the Borrower(s) at the address last
intimated by the Borrower(s) and shall be deemed to have been delivered within 48 hours afer it has been sent by registered post,
under certificate of posting, ordinary post or courier or email at the discretion of ABCL. All writings from the Borrower(s) to ABCL
must be received from the Borrower(s) at the address specified in the Loan application form.

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
8/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

15. ABCL shall have the sole right to decide on whether to avail CGTMSE coverage (which is subject to a specified capping of
funds) on amount advanced by ABCL to the Borrower in respect of or under the aforesaid Facility Agreement. This CGTMSE
coverage shall be additional and without prejudice to the terms and conditions of the Facility Agreement as agreed upon between the
Parties.

16. The Borrower(s) agrees and undertake that any notice/letter/communication/draft served by ABCL on any of the Borrower/- Co-
Borrowers shall be deemed to be served on each of them.

17. The Borrower agrees that ABCL shall have the right to appoint external auditors to conduct an audit of the Borrower's financial
statements, accounts and related records at any time during the term of this Agreement. The Borrower shall fully cooperate with the
auditors appointed by ABCL and shall provide all necessary information, documents and access to records required to complete the
audit.

Default

ABCL may by a written notice to the Borrower(s), in its sole discretion, declare all sums outstanding under the Loan (including the
principal, interest, charges, expenses) to become due and payable forthwith and enforce the security (if applicable) in relation to the
Loan upon the occurrence of any one or more of the following:
1. The Borrower(s) fails to pay to ABCL any amount when due and payable as per the terms and conditions of the Loan.
2. The Borrower(s) fails to pay to any person other than ABCL any amount when due and payable or any person other than ABCL
demands repayment of the loan or dues or liability of the Borrower(s) to such person ahead of its repayment terms as previously
agreed between such person and the Borrower(s);
3. The Borrower(s) defaults in performing any of his/her/their/its obligations under this Loan or breaches any of the terms or
conditions as mentioned herein;
4. The Borrower(s) opts to resign or retires from the employment prior to the age of superannuation or is discharged or removed from
service before such date for any reason whatsoever
5. Any of the information provided by the Borrower(s) to avail the Loan or any of his/her/their/its Representations, Warranties herein
being found to be or becoming incorrect or untrue;
6. Any person other than ABCL commencing proceedings to declare the Borrower(s) insolvent or if the Borrower(s) become
bankrupt or insolvent or commit act of insolvency;
7. In case the Borrower fails to cooperate with external auditors in conduction of audit, leading to delays or inconclusive audit
findings. Additionally, ABCL reserves the right to determine the status of such Borrower's account based on the material available
on record and if necessary declare the account as fraudulent, without further input from the Borrower.

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
9/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Grievance Redressal Mechanism:

Customers who wish to provide feedback or send in their complaint may use the following channels:
• Call at our Customer Care number between 9:00 am & 7:00 pm from Monday to Sunday: 18002707000.
• Email at:
care.digitalfinance@adityabirlacapital.com for raising Queries / Request
grievance.finance@adityabirlacapital.com for raising Complaints
• Write to us at the below mentioned address: Aditya Birla Capital Ltd, Ground floor, R Tech Park, Nirlon Complex,
Goregaon,Mumbai - 400063.

Details of the Grievance Redressal Officer / Principal Nodal Officer along with the details of escalation mechanism and the complaint
lodging portal of the Ombudsman are available on the website and branches of the Company. For information on grievance redressal
visit: abcl.adityabirlacapital.com/_layouts/15/ABC.FINPLF/GrievenceNew.aspx

Cross Default:

Any default by the Borrower(s) or its/their promoters/ affiliates/ agents/ associates/ group companies/ directors (independent or
executive)/ subsidiaries /assigns, under this or any other agreement or other writing between the Borrower(s) (including its/their
promoters/ affiliates/ agents/ associates/group companies/ directors (independent or executive)/ subsidiaries/ assigns) and ABCL or
its promoters/ affiliates/ subsidiaries, assigns or any group company, or under any other agreement or writing of indebtedness of the
Borrower(s) or its/their promoters/ affiliates/ agents/associates/group companies/ directors (independent or executive) /subsidiaries/
assigns, or in the performance of any covenant, term or undertaking thereunder, or any indebtedness of the Borrower(s) or its/their
promoters/ affiliates/ agents/associates/group companies/ directors (independent or executive)/ subsidiaries /assigns, not being paid
when due or any creditor of the Borrower(s) or its/their promoters/ affiliates/ agents/associates/group companies/ directors
(independent or executive)/subsidiaries /assigns becoming entitled to declare any indebtedness due and payable prior to the date on
which it would otherwise have become due or any guarantee or indemnity or collateral given or other support agreement entered into
by the Borrower(s) or its/their promoters/ affiliates/ agents/ associates/ group companies/ directors (independent or
executive)/subsidiaries /assigns not being honored when due and called upon.

Settlement of Disputes

Any differences or disputes arising out of or in relation to the terms and conditions contained herein shall be referred to a sole
Arbitrator, who shall be appointed by ABCL. The arbitration shall be governed by the Arbitration Act, 1996 or any statutory
modification or re-enactment thereof and the Rules made thereunder and for the time being in force. The award of the Arbitrator shall
be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be in the English
language only.

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
10/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

MOST IMPORTANT TERMS & CONDITIONS ("MITC")

SCOPE

The MITC covers the following Loan products:

■ Business Loan (BL)
■ Doctor's Loan (DL)

PURPOSE OF LOAN

Business Loan (BL)

Business Loan is an unsecured loan proposition for emerging small & medium businesses to fulfill various commercial needs such as
working capital requirements, asset purchase, growth expenditure etc.

Doctor's Loan (DL)

Doctor's Loan is an unsecured loan proposition for self employed/consulting doctors for the purpose of meeting working capital
requirements, business expansion etc.

The Borrower hereby undertakes that the monies which will be drawn by the Borrower under the Credit Facility shall be used for the
purpose of as agreed in the Loan Application. Further the Borrower represent, warrant and confirm that the aforesaid purpose is a
valid purpose and also agree and undertake to utilize the Credit Facility only for the agreed purpose and that the Credit Facility shall
not be used for any of the following purpose:
• Illegal & antisocial activity
• Speculative investment in real estate
• Investment I securities, debentures or the stock markets
• Money lending activities
• Speculative activities not mentioned above
• Or for any other activities for which the Credit Facility is not extended

Borrower further agree, confirm, and undertake that the purpose of use of funds under the Loan shall not be changed in any manner
during the tenure of the Loan; or that such change in purpose shall take place only with the prior written permission of Aditya Birla
Capital Limited.

RATE OF INTEREST
Borrower(s) would be required to service the loan monthly at such rate as set out in the Most Important Information section of this
Loan document.

FEES AND CHARGES

■ Please refer to the Schedule of Charges for the latest fees and charges updated on our website http://adityabirlacapital.com.
Borrower(s) can also make enquiries at any branch of Aditya Birla Capital (ABCL) or with ABCL's Customer service.
■ Any fees and charges mentioned in the Most Important Information section and/or Schedule of Charges are the rates applicable on
the date of issuance/approval of the Loan and are subject to change from time to time, which shall be notified/updated on ABCL's
website.
■ Any Taxes as applicable on the fees and charges shall be payable by the Borrower(s).

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
11/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

LIABILITY OF BORROWER
Where the Loan is provided to more than one Borrower, then the liability of the Borrower(s) to repay the Loan together with interest
and all other amounts and to observe the terms and conditions as contained herein and any other document(s) made between the
Borrower(s) and ABCL in respect of the Loan is joint and several.

CONDITIONS FOR DISBURSEMENT OF LOAN

■ ABCL shall be entitled to revoke the sanction of the Loan,inter alia, in any of the following circumstances:
■ Assessment / verification checks not satisfactory to ABCL.
■ There is any material change in the purpose(s) for which the loan is being sanctioned.
■ In the sole judgement of ABCL, any material fact has been concealed and/or ABCL becomes subsequently aware of during the
tenor of the loan.
■ Accepted copy of this Loan document not received within the period specified by ABCL.
■ Any statement/ information made by or on Borrower(s) behalf is misleading, unsatisfactory or is incorrect.
■ There is a default or breach or violation of any condition of this or any other facility offered/availed by Borrower(s) from ABCL.
■ Loan document/ any other documents related to disbursement being incomplete, incorrect or unsatisfactory, in a form and manner
as may be required by ABCL in connection with the Loan.
■ Provided further that notwithstanding anything to the contrary contained herein , ABCL may in its sole and absolute discretion at
any time, terminate, cancel or withdraw the Loan or any part thereof (even if no/ partial disbursement is made) without any liability
and without any obligations to give any reason whatsoever, whereupon all principal monies, interest thereon and all other costs,
charges, expenses and other monies outstanding (if any) shall become due and payable to ABCL by the Borrower(s) forthwith upon
demand from ABCL.

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
12/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

REPAYMENT
■ "El" or "Equated Instalments" shall mean the amount payable by the Borrower(s) at such periods as provided for in the Most
Important Information section of this Loan document, to ABCL comprising of Interest, or as the case may be, principal and Interest
calculated on the basis of such Interest Rate as applicable as stated in the Most Important Information section and is rounded off to
the next rupee.

DEFAULT
■ If the Borrower(s) commits default in payment of the EI or are is late in paying any El, ABCL will report the non-payment to
various credit bureaus. This may have an adverse effect on the Borrower(s)credit rating and may affect Borrower(s) ability to obtain
credit from other lenders. To avoid any adverse credit history with credit bureaus, Borrower(s) should ensure that timely payment of
the amount due on the Loan amount is duly made.
■ If an "Event of default" (as defined under the Standard Terms herein), Borrower(s) shall be asked to pay penal charges or such
other rate of interest as decided by ABCL. For default interest rate/ charges for non-conformance/compliances, please refer to the
Schedule of Charges for more details.
■ In case of non-payment of the loan amount, interest, and other charges as per the terms of the loan documents, the Lender reserves
the right to engage recove agents / service providers for the purpose of recovering any outstanding / overdue amount and other
charges. Lender or its authorized service provider(s) may approach the borrower, co-borrower, and guarantor for the payment of the
outstanding /overdue amount and other charges, by way of call(s), SMS(s), email(s), and in person visit(s), in accordance with the
Fair Practice code stipulated by the Reserve Bank of India. Notwithstanding anything mentioned hereinabove, in the event of non-
payment of the outstanding/ overdue loan amount and other charges by the borrower/ co-borrower/guarantor, the Lender may resort
to legal recourse. The Borrower agrees, confirms and understands that the Lender might resort to such legal recourse either directly,
or through the Lending Service Provider, or any of its third party agents, officers or collections agencies.

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
13/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

PREPAYMENT AND FORECLOSURE

■ The Borrower(s) shall have option to prepay /foreclose Ipart prepay the Loan by giving a notice in writing and shall pay in
accordance with the prepayment /foreclose rules of ABCL, along with prepayment/foreclosure charges if any ( please refer to
Schedule of Charges for more details).
■ The original documents of the Borrower(s) submitted with ABCL, would be returned within 15 days of satisfactorily closing the
Loan as per the terms and conditions of this Loan document.

INSURANCE
Borrower(s) hereby declare that the Borrower(S) would like to opt for insurance plan offered by insurance company in association
with ABCL. Borrower(s) have carefully read and understood the contents of the insurance brochure. Borrower(s) have understood
that the Loan amount sanctioned by ABCL is unconditional to Borrower(s)'s opting for the insurance & undertakes to pay the
requisite premium at the time of disbursement of the Loan. Borrower(s) confirm that he/she/they are voluntarily participating in this
program and are aware that the Loan is available without the insurance as well.

CUSTOMER SERVICE
For any service-related issue, Borrower(s) may get in touch with ABCL by:
■ Calling ABCL Customer Service Desk on the numbers provided on ABCL's website.
■ Placing a request online by logging onto www.adityabirlacapital.com
■ Contacting the concerned Relationship Manager (RM) at any of ABCL's branches.

DISCLOSURE
■ The Borrower(s)acknowledges the right of ABCL to provide details of the Borrower(s)'s account to third party agencies for the
purpose of availing support services of any nature by ABCL, without any specific consent or authorisation from the Borrower(s).
■ ABCL has the right to recall the Loan in the event of the Borrower(s) failing to submit all/any post disbursal documents.
■ ABCL is authorized to disclose from time to time any information relating to the Loan to any credit bureau (existing or future)
approved by Government of India and Reserve Bank of India without any notice to the Borrower(s). ABCL is also authorized to
make inquiries with the Credit Information Bureau of India (CIBIL) and get the applicant's Credit Information Report.
■ ABCL staff shall never collect cash from Borrower(s) or ask for sharing of any passwords. Borrower(s) acknowledges that no
cash has been paid to ABCL staff along with Loan application and that the application has not been made against promise of any
gifts or special waivers.
■ The Most Important Terms and Conditions mentioned above are an indicative list of terms and conditions of ABCL's Loan
products. The MITC should be read in conjunction with the Standard Terms, Most Important Information and such other documents
signed by the Borrower(s) in relation to the Loan sanctioned/to be sanctioned by ABCL.

Applicant Signature Co-Applicant Signature

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
M)
GIRRAJ KHANDELWAL
14/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

REQUEST FOR DISBURSAL

Date: 09-05-2025

To,
Aditya Birla Capital Limited
Indian Rayon Compound,
Veraval, Gujarat - 362266, India.

Sub: Request for disbursal of loan facility/ies sanctioned in my/our favour vide Letter dated 09-05-2025

Ref: My/Our Application No: DL00000011119 dated 24/04/2025

Dear Sir/Madam,
This is with reference to my/our facility/ies sanctioned by your office and in furtherance of the same I/we request you to kindly
disburse the Loan amount in following manner:

Favouring 1: Favouring 2:
Favouring GIRRAJ KHANDELWAL Favouring Login Fee
Facility A/c No. 00000051109582805 Facility A/c No.
Amount 563551 Amount 1393

Favouring 3: Favouring 4:
Favouring STAMP DUTY Favouring Sanction Fee - Deduct from Disb
Facility A/c No. Facility A/c No.
Amount 118.0 Amount 13938

Favouring 5: Favouring 6:
Favouring Aditya Birla Insurance Favouring MediBuddy
Facility A/c No. Facility A/c No.
Amount 9080.0 Amount 2500.0

Bank Details / Cheque in Favour of:

Mode of Disbursement: RTGS
Beneficiary Name: GIRRAJ KHANDELWAL,
Beneficiary Account Number: 00000051109582805, Bank Name: STATE BANK OF INDIA,
Bank Branch Name: SHF BRANCH, JAIPUR IFSC Code (only for RTGS): SBIN0004403, MICR Code: 302002024

(If the above account is not mapped to your loan account already, please submit a cancelled cheque from a personalized
(corporate/Individual) cheque book OR copy of bank statement)

I/We hereby declare that,

1. I/We shall be responsible and liable for the above disbursement made by ABCL as requested for above and the same shall be
treated as a Loan under all the documents executed/to be executed with respect thereto.
2. Interest calculation will start from the date of respective disbursal irrespective of the date of realization of funds in my/our
account.

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
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GIRRAJ KHANDELWAL
15/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

3. Interest shall be payable by me/us even in case the disbursement amount instrument is not deposited by me/us in the bank for
realization or disbursement amount is not utilized by me/us.
4. I/We hereby confirm that as per the terms of the Loan document, ABCL shall deduct Pre EMI/BPI from the disbursed amount.
5. I/We hereby understand that the actual disbursal amount shall be subject to change, basis the outstanding balance of any existing
loans and shall vary from that of the sanctioned amount stated in the Loan document. I/We further agree, undertake and confirm not
to bring any claim or protest against ABCL or any of its officers for the said disbursed amount.

Name of Applicant Name of Co-Applicant

Mr. GIRRAJ
KHANDELWAL

Note: Every cancellation/correction/modification needs counter signature by borrower. ABCL will not be responsible for any change
with respect to a person favouring, other than filled as herein.

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
M)
GIRRAJ KHANDELWAL
16/40
Date: Fri May 09 13:30:06 IST 2025
Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

DECLARATION FOR SIGNING IN VERNACULAR LANGUAGE

I, __________________________________________, son/daughter/Wife __________________________________________ of

______________________________________________ adult and inhabitant of ______________________________residing at
____________________________________,
do hereby state and declare as solemn affirmation as under:-

I have been read out and explained the contents of the facility documents, security documents and all other documents incidental to
availing the loan of an amount equivalent to _____________________________ from Aditya Birla Capital Limited by me / by Mr./
Ms ______________________________________ in the language known to me, and I have signed / put my thump impression the
said documents after having understood them and by signing / putting my thump impression the same I do hereby agree to abide by
all the terms and conditions of the loan and the clauses of the same.

I declare that whatever I have stated herein above is true and correct to the best of my knowledge and belief.

Solemnly affirmed at ___________________________________________on this________________ day of_____________

20______.

Signed: _____________________ ---------------------------------------------------

Signature of Applicant / Co-applicant signing in
Vernacular Language / Thumb impression
Name: _____________________

Relation to Applicant: _____________________ Date: _____________________ Place: _____________________

SBorrower (x) Co-Borrower (x)

Witness:

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Name: ______________________________________________________

Address:
_____________________________________________________

______________________________________________________

______________________________________________________

Signature of Witness: ___________________________________________

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DEDUCTION AT SOURCE

Date:____________________
To,
The Payroll Team
________________________________________________
Re: Request to deduct EMI from salary for Loan availed from Aditya Birla Capital Ltd. For
____________________________________________________________________________________/- (in words)

Dear Sir/Ma'am
I Shri/Smt/Kum ___________________________________________________ (Name of employee)__________ aged
about__________ (age) residing at ___________________________________________________________________ (address) am
a employee with________________________________________ (name of Co) and my employee ID is__________________. Ihave
availed a Loan from Aditya Birla Capital Limited.("ABCL") on_______________ (date) vide the Loan document
dated_____________ (hereinaer the Loan).As per the terms of the Loan, I am liable to repay the Loan to ABCL by way of equated
monthly instalments (EMI).

Therefore, I hereby request and duly authorize you the Payroll team / _______________________________________
____________________________________________ to deduct the EMI payable to ABCL, as communicated to you the Payroll
team /_______________________________________ on the (____________) day of eve month by ABCL from the sala and the
total emoluments payable to me /my payroll and credit the same towards my Loan Account No. ________________________ held
with ______________________ (ABCL) as per this one time instruction.

With respect to the aforesaid, I hereby authorise you the payroll team /_______________________________________as follows:

1. On the __ day of each month, salary paid out to me will be net of the EMI payable to ABCL

2. In case of any shortfall to cover the EMI as mentioned in point no 1 above, you are requested to share my entire salary and/or
emoluments and/or bonus, if any with ABCL, who is authorised to recover the balance through a direct debit instruction given on
my savings account no __ (please provide savings account no)

3. I understand that the Loan is on a fixed rate of interest.

4. I hereby authorize you the payroll team / _______________________________________________ to transfer the EMI so
deducted from the salary or bonus or emoluments to ABCL towards the repayment of the Loan

5. I shall not unilaterally rescind / revoke / cancel / withdraw the aforesaid instructions at any given time or without prior written
approval of ABCL.

6. This letter / authority / declaration shall be binding on me and my legal heirs, representatives, executors, administrators and
permitted assigns and shall inure for the benefit of ABCL its successors and assigns.

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7. I shall not object / protest / obstruct in any manner whatsoever, the payment of the EMI from my salary including and not limited
to or from any bonus or any emoluments due and payable to me as an employee.

8. I have issued this letter freely and voluntarily to attest to the foregoing facts and statements and for whatever legal purpose it may
serve.

Yours Faithfully

(Name of employee)

(Employee ID)

Signature

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

CHEQUE SUBMISSION FORM

Date: 09-05-2025
IMPORTANT INSTRUCTIONS:
Cheque should be crossed as "Account Payee Only".
The Cheque should be drawn in favour of "Aditya Birla Capital Limited" only.
Please ensure that amount in words and figures are the same.
Please ensure that all corrections have been countersigned by the Applicant.
EMI cheques to be dated as per your Repayment Schedule.

CUSTOMER DETAILS
Applications No. DL00000011119 LAN No.
Name of Applicant(s) Mr. GIRRAJ KHANDELWAL

Cheque Details

Purpose
(EMI/ Amount of
Sr. Date of
Cheque Number Bank and Branch Security) each Cheque
No Cheque
PDC/PEMI (INR)
etc.

STATE BANK OF INDIA

1 123456 N/A SPDC 590580.0
SHF BRANCH, JAIPUR

I declare that, I have not given any cheque other than the ones mentioned above and all cheques are drawn in favour of "Aditya Birla Capital
Limited".
I / We have been informed by ABCL and I / We give our consent that ABCL, may at its discretion, shred the Security / EMI cheques on closure
of the Facility without any intimation to me.

Name of the Applicant: Mr. GIRRAJ KHANDELWAL

Signature of Applicant: ________________________________[x]

RECEIVED BY
Name of Employee: RAVI SHANKAR Employee ID: BG476955
Signature: ________________________________________
Name and Signature of the person providing the cheques to be taken in case they are from a person other than the applicant.

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

CHEQUE SUBMISSION FORM (CPU COPY)

Date: 09-05-2025
IMPORTANT INSTRUCTIONS:
Cheque should be crossed as "Account Payee Only".
The Cheque should be drawn in favour of "Aditya Birla Capital Limited" only.
Please ensure that amount in words and figures are the same.
Please ensure that all corrections have been countersigned by the Applicant.
EMI cheques to be dated as per your Repayment Schedule.

CUSTOMER DETAILS
Applications No. DL00000011119 LAN No.
Name of Applicant(s) Mr. GIRRAJ KHANDELWAL

Cheque Details

Purpose
(EMI/ Amount of
Sr. Date of
Cheque Number Bank and Branch Security) each Cheque
No Cheque
PDC/PEMI (INR)
etc.

STATE BANK OF INDIA

1 123456 N/A SPDC 590580.0
SHF BRANCH, JAIPUR

I declare that, I have not given any cheque other than the ones mentioned above and all cheques are drawn in favour of "Aditya Birla Capital
Limited". I / We have been informed by ABCL and I / We give our consent that ABCL, may at its discretion, shred the Security / EMI cheques
on closure of the Facility without any intimation to me.

Name of the Applicant: Mr. GIRRAJ KHANDELWAL

Signature of Applicant: ________________________________[x]

RECEIVED BY
Name of Employee: RAVI SHANKAR Employee ID: BG476955
Signature: ________________________________________

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KEY FACTS STATEMENT

Part 1 (Interest rate and fees/charges)

Type of
1. Loan proposal/ account No. DL00000011119 Dropline Flexi OD
Loan

Sanctioned Loan amount (in

2. 590580
Rupees)

Disbursal schedule

(i) Disbursement in stages or 100%

upfront.

3. (ii) If it is stage wise, mention the 100% upfront

clause
of loan agreement having relevant
details.

4. Loan term (year/months/days) 60 months

5. Instalment details

Commencement of repayment, post

Type of instalments Number of EPIs(EMI) EPI (₹)
sanction

Monthly 60 14050 02/06/2025

Interest rate (%) and type

6. 15.0 % & Fixed
(fixed or floating or hybrid)

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7. Additional Information in case of Floating rate of interest

Impact of change in
Benchmark Spread Final rate the reference
Reference
rate (%) (%) (%) Reset periodicity (Months) benchmark (for 25
Benchmark
(B) (S) R=(B)+(S) bps change in 'R',
change in:)

No.
B S EPI (₹) of
EPIs

8. Fee/Charges

Payable to a third party through RE

Payable to the RE (A)
(B)

Amount (in ₹) Amount (in ₹)

One- or Percentage One- or Percentage
time/Recurring (%) as time/Recurring (%) as
applicable applicable

(i) Processing fees One Time 13938.0

(ii) Insurance charges One Time 11580

(iii) Valuation fees NA NA

(iv) Stamp Duty Fees One Time 118.00

Credit Administration
(v) One Time 1393.0
Fees

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(vi) Advance EMI

Annual Percentage
9. 17.15 %
Rate (APR) (%)

10. Details of Contingent Charges (in ₹ or %, as applicable) Note: GST shall be levied wherever applicable

Penal charges, if any, in case of delayed 3% p.m. (36% p.a.) on the overdue amount for the delayed
(i)
payment period

(ii) Other penal charges, if any

Penal charges for non-compliance with

material terms and conditions (covenants /
2% p.a. on the outstanding loan amount till the date of
(a) stipulated conditions) mentioned in the
compliance
Sanction Letter / Loan Agreement, wherever
applicable

The applicable processing fee to be retained before

reversing the funds Cancellation fee of Rs. 2000 will be
(b) Charges for Cancellation of Loan
levied. Cancellation allowed within 15 days from the date
of disbursal

Cheque return/bounce charges /

(c) Rs. 1000 per instance
ECS/SI/NACH failure charges

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

For Term Loan:

Upto 4% of the part pre-payment amount, subject to
following:
Total of 20% of the Principal outstanding will be allowed
for part pre-payment twice during the tenor of loan
Part pre-payment amount shall be equal to or greater than
total of 3 EMIs
No pre-payment is allowed in first 12 months from the
date of disbursement
(d) Part pre-payment charges
For Flexi Loan:
No charges for part pre-payments through mobile
app/portal
Part pre-payment of loan facility toward limit reduction is
not available
Part prepayment charges shall not be levied in the cases of
floating rate term loan sanctioned, for purposes other than
business, to individual borrowers with or without co-
obligant(s).

For Term Loan:

Upto 4% of the principal outstanding

For Flexi Loan:

Upto 4% of the withdrawable amount
In case of loan with Fixed rate of interest, foreclosure is
(iii) Foreclosure charges, if applicable
permitted only after 12 months from the date of disbursal
of loan.
Foreclosure charges shall not be levied in the cases of
floating rate term loan sanctioned, for purposes other than
business, to individual borrowers with or without co-
obligant(s).

Charges for switching of loans from floating

(iv) NA
to fixed rate and vice versa

(v) Any other charges (please specify)

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Mandate Cancellation Charges (One-time

levied in case customer cancels an active
(a) mandate instruction for recurring Rs. 450
repayment(s) and no new mandate is
registered ):

Statement of Account/ Repayment Schedule /

(b) For Physical copy Rs 500 per request
any other document/statement

Duplicate No Due Certificate issuance

(c) Rs. 1000 per instance
charges

(d) No-Objection Certificate issuance charges Rs. 500 per instance

Charge For Exchanging PDCs, Security

(e) Cheques (Per Set) / ECS / NACH Re- Rs. 750 per instance
registration Charges

Rs. 750 per instance

Note: Interest accrued (from original EMI date to revised
(f) EMI cycle change date EMI date), if any, on account of EMI date change shall be
applicable and payable upfront over and above the EMI
change date charges

Loan Re-schedulement charges (on request

(g) from applicants, approval be at sole Rs. 7,500 per instance
discretion of ABCL)

For Flexi Loan:

(h) Annual Maintenance Charges Upto 0.50% on total withdrawable amount irrespective of
utilisation on the date of levy of such charges

Rs. 50 per instance for Consumer and

(i) CIBIL report retrieval fee
Rs. 500 per instance for commercial CIBIL/Credit Report

(j) Stamp Duty As per actual, where applicable

(k) Legal and other statutory charges As per actual, where applicable

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Filing Financial information with

(l) As per actual, where applicable
Information Utility (NeSL)

ABCL shall charge and collect BPI (Broken Period

(m) Broken Period Interest
Interest) as applicable based on actual disbursement date

(n) Cheque Re-issuance charges Rs. 500 per instance

Part 2 (Other qualitative information)

Engagement of recovery agents:

In case of non-payment of the loan amount, interest, and other charges as per the terms of the loan
documents, the Lender reserves the right to engage recovery agents / service providers for the
purpose of recovering any outstanding / overdue amount and other charges. Lender or its
authorized service provider(s) may approach the borrower, co-borrower, and guarantor for the
payment of the outstanding /overdue amount and other charges, by way of call(s), SMS(s),
Clause of
email(s), and in person visit(s), in accordance with the Fair Practice code stipulated by the
Loan
Reserve Bank of India. Not withstanding anything mentioned hereinabove, in the event of non-
agreement
payment of the outstanding/ overdue loan amount and other charges by the borrower/ co-
1. relating to
borrower/guarantor, the Lender may resort to legal recourse. The Borrower agrees, confirms and
engagement
understands that the Lender might resort to such legal recourse either directly, or through the
of recovery
Lending Service Provider, or any of its third party agents, officers or collections agencies.
agents

The abovementioned clause can be referred in the Loan Agreement under clause no. - MITC -
Default - clause 3

Details of recovery agent(s) authorized to approach the borrower

https://finance.adityabirlacapital.com/abcl-collection-and-recovery-agency-lists

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Grievance Redressal Mechanism:

Customers who wish to provide feedback or send in their complaint may use the following
channels:
. Call at our Customer Care number between 9:00 am and 7:00 pm from Monday to Sunday:
18002707000
. Email at:
Clause of
care.digitalfinance@adityabirlacapital.com for raising Queries/Request
Loan
grievance.finance@adityabirlacapital.com for raising Complaints
agreement
. Write to us at the below mentioned address: Aditya Birla Capital Ltd, Ground floor, R Tech
2. which details
Park, Nirlon Complex, Goregaon, Mumbai - 400063
grievance
redressal Details of the Grievance Redressal Officer / Principal Nodal Officer along with the details of
mechanism escalation mechanism and the complaint lodging portal of the Ombudsman are available on the
website and branches of the Company.
For information on grievance redressal visit:
abcl.adityabirlacapital.com/_layouts/15/ABC.FINPLF/GrievenceNew.aspx
The above mentioned clause can be referred in the Loan Agreement under clause no. Standart
Terms and Conditions - Default - Grievance Redressal Mechanism

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Phone No.: 08045860196

Phone number and email id of the nodal grievance redressal
3. Email Id.:
officer
grievance.finance@adityabirlacapital.com

Whether the loan is, or in future maybe, subject to

4. Yes
transfer to other REs or securitisation (Yes/No)

In case of lending under collaborative lending arrangements (e.g., co-lending/outsourcing), following additional
5.
details may be furnished:

Name of the originating RE, along with its Name of the partner RE along with its Blended rate of
funding proportion proportion of funding interest

NA NA NA

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

Cooling off/look-up period, in terms of RE's board approved

i. policy, during which borrower shall not be charged any penalty NA
on prepayment of loan

Details of LSP acting as recovery agent and authorized to

ii. NA
approach the borrower

Computation of APR

Sr No Parameter Details

1. Sanctioned Loan amount (₹) 590580

2. Loan Term (in years/ months/ days)

a) No. of instalments for payment of principal, in case of non-equated periodic loans

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Sr No Parameter Details

b) Type of EMI Monthly

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Amount of each EPI (in Rupees) and 14050

nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 60

c) No. of instalments for payment of capitalised interest, if any

d) Commencement of repayments, post sanction 27 days

3. Interest rate type (fixed or floating or hybrid) Fixed

4. % Rate of Interest 15.0 %

Total Interest Amount to be charged during the entire tenor of

5. 258357.0
the loan as per the rate prevailing on sanction date (₹)

6. Fee/ Charges payable (₹) 27029.00

A Payable to the RE 15331.0

B Payable to third-party routed through RE 11698.00

7. Net disbursed/received amount (1-6) (₹) 563551.00

8. Total amount to be paid by the borrower (sum of 1 and 5) (₹) 848937.0

9. Annual Percentage rate - Effective annualized interest rate (%) 17.15 %

As per Terms and conditions/Special

10. Schedule of disbursement as per terms and conditions
conditions mentioned in sanction letter

11. Due date of payment of instalment and interest 02/06/2025

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Repayment Schedule

Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

0 590580 0 5906 5906

1 583913 6667 7383 14050

2 577162 6751 7299 14050

3 570327 6835 7215 14050

4 563407 6920 7130 14050

5 556400 7007 7043 14050

6 549305 7095 6955 14050

7 542122 7183 6867 14050

8 534849 7273 6777 14050

9 527485 7364 6686 14050

10 520029 7456 6594 14050

11 512480 7549 6501 14050

12 504836 7644 6406 14050

13 497097 7739 6311 14050

14 489261 7836 6214 14050

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Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

15 481327 7934 6116 14050

16 473294 8033 6017 14050

17 465161 8133 5917 14050

18 456926 8235 5815 14050

19 448588 8338 5712 14050

20 440146 8442 5608 14050

21 431598 8548 5502 14050

22 422943 8655 5395 14050

23 414180 8763 5287 14050

24 405308 8872 5178 14050

25 396325 8983 5067 14050

26 387230 9095 4955 14050

27 378021 9209 4841 14050

28 368697 9324 4726 14050

29 359256 9441 4609 14050

30 349697 9559 4491 14050

31 340019 9678 4372 14050

32 330220 9799 4251 14050

33 320298 9922 4128 14050

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

34 310252 10046 4004 14050

35 300081 10171 3879 14050

36 289783 10298 3752 14050

37 279356 10427 3623 14050

38 268798 10558 3492 14050

39 258108 10690 3360 14050

40 247285 10823 3227 14050

41 236327 10958 3092 14050

42 225232 11095 2955 14050

43 213998 11234 2816 14050

44 202623 11375 2675 14050

45 191106 11517 2533 14050

46 179445 11661 2389 14050

47 167639 11806 2244 14050

48 155685 11954 2096 14050

49 143582 12103 1947 14050

50 131327 12255 1795 14050

51 118919 12408 1642 14050

52 106356 12563 1487 14050

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Instalment Outstanding Principal (in Principal (in Interest (in Instalment (in
No. Rupees) Rupees) Rupees) Rupees)

53 93636 12720 1330 14050

54 80757 12879 1171 14050

55 67717 13040 1010 14050

56 54514 13203 847 14050

57 41146 13368 682 14050

58 27611 13535 515 14050

59 13907 13704 346 14050

60 0 13907 174 14081

This document is valid till 12/05/2025

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Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

IMPORTANCE OF FOLLOWING
REPAYMENT SCHEDULE

The repayment schedule/payment advice that you receive while taking a loan from ABCL is
a document that helps you to know the dates when you are required to pay interest, principal
and other charges if any, to ABCL for the loan availed and helps you to manage your loan
account efficiently and meet the obligations in a timely manner.

Basis the number of days your dues (dues means installment of principal, interest and other
charges if any) remain unpaid and overdue, your loan account gets classified into various
categories. These categories influence your Credit Bureau Score, which may further affect
your borrowing capacity in future.

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The above illustration is also applicable for revolving facilities where either outstanding
balance remains continuously in excess of the sanctioned limit/drawing power whichever is
less or interest is overdue and not paid on due dates.

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Source :
RBI circular no. RBI/2021-2022/125 DOR.STR.REC.68/21.04.048/2021-22 on ‘Prudential norms on Income Recognition,
Asset Classification and Provisioning, pertaining to Advances − Clarifications’ dated 12th November, 2021. Here’s a
comprehensive table explaining the Special Mention Account (SMA) and Non-Performing Asset (NPA)
classification.

Loans in the nature of revolving facilities like cash

Loans other than revolving facilities
credit/overdraft

Basis for classification −

Outstanding balance
Basis for classification −
remains continuously
Principal or interest
in excess of the
SMA Sub-categories payment or any other SMA Sub-categories
sanctioned limit or
amount wholly or
drawing power,
partly overdue
whichever is lower,
for a period of:

SMA-0 Upto 30 days

More than 30 days and More than 30 days and

SMA-1 SMA-1
upto 60 days upto 60 days

More than 60 days and More than 60 days and

SMA-2 SMA-2
upto 90 days upto 90 days

NPA More than 90 days NPA More than 90 days

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
M)
GIRRAJ KHANDELWAL
39/40
Date: Fri May 09 13:30:06 IST 2025
 Stamp Document ID(s): UI128AB000 Stamp Sr. No.: IN-RJ99438528098182X

Aditya Birla Capital Limited

Registered Office: Indian Rayon Compound, Veraval - 362 266, Gujarat | +91 28762 43257 | CIN: L67120GJ2007PLC058890.
Corporate Office: One World Centre, Tower 1, 18th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone
Road, Mumbai - 400 013. Tel No: 91-22-6723 9101 | abc.secretarial@adityabirlacapital.com | www.adityabirlacapital.com
For customer care and other queries: care.finance@adityabirlacapital.com | Toll-free no.: 1800-270-7000

Terms and conditions apply. Credit at sole discretion of Aditya Birla Capital Limited (ABCL) and subject to credit appraisal,
eligibility check, rates etc. ABCL may use the services of their authorized agencies in servicing the requirements.

eSigned using Aadhaar

(Leegality.com -
01JTT0XFXQEVFF576FAXP040E
M)
GIRRAJ KHANDELWAL
40/40
Date: Fri May 09 13:30:06 IST 2025