Unique Reference Number – 77000082332

Corporate Identification Number (CIN) - U65922MH1999PLC120106

Sanction Date: 08/07/2025

Letter Generation Date: 15/07/2025

Customer Name: GAYARAM JHA, RUNA JHA

Communication Address:H no 238 room no 13 main gali shiv colony, Naharpur Rupa Gurugram, Gurgaon, 122001

Phone: +91-9136832751
Email ID: jha.gayaram1979@gmail.com

Dear Sir / Madam,

Sub: Sanction Letter for ICICI HFC Facility (“Sanction Letter”)

(Franchisee Code: 345872 - DEEPAK CHAUHAN-HFC)

Thank you for choosing ICICI Home Finance Company Limited (ICICI HFC). We are pleased to inform you that with reference to the above
application, we have in-principle sanctioned you a Facility (the “Facility”). The said sanction of Facility is subject to key terms detailed in Annexure A
(Key Fact Statement) and other terms detailed in Annexure B (Terms and Conditions applicable to the Facility).

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 ANNEXURE A
PART 1 (Interest rate and fees/charges)
Key Facts Statement

1 Loan proposal/ account No. 77000082332 Type of Loan and Purpose/End Non Housing loan and Insurance
use of loan
2 Sanctioned Loan amount (in Rupees) 72271 (Rs. Seventy-Two Thousand Two Hundred and Seventy-One only)
3 Disbursal schedule: (i) Disbursement in stages or 100% 100% upfront
upfront (ii) If it is stage wise, mention the clause of loan
agreement having relevant details
4 Loan term (year/months/days) 120 months excluding the period of construction under which Pre-EMI will
be applicable as per Annexure B Part 2 Additional terms and conditions
clause B.
5 Instalment details
Type of instalments Number of EPIs (months) EPI (₹) Commencement of repayment, post sanction
EMI 120 938 Refer B under ‘Additional Terms and
Conditions’ under Annexure B Part 2
6 Interest rate (%) and type (fixed or floating or hybrid) 9.55 % p.a. Floating
7 Additional Information in case of Floating rate of interest
Reference Benchmark Benchmark Spread (%) Final rate (%) Reset periodicity (Months) Impact of change in the
rate (%) (B) (S) R = (B) + (S) reference benchmark (for 25
bps change in ‘R’, change in:)
B S EPI (₹) No. of EPIs
(Keeping (months)
tenure (Keeping EPI
constant) constant)
IHPLR (ICICI Home Prime 18.9 % (-)9.35 % 9.55 %p.a Once in 6 As and when 948 122
Lending Rate) months or as required
and when
required
8 Fee/Charges
Payable to the RE (A) Payable to a third party through RE (B)
One-time/ Recurring Amount (in ₹) or Percentage One- time/Recurring Amount (in ₹) or Percentage
(%) as applicable (%) as applicable
(i) Processing One time 853 NIL NIL
fees
(ii) Login Fee One time 0 NIL NIL
9 Annual Percentage Rate (APR) (%) (excluding stamp duty charges) For APR 9.55 % p.a.
calculation refer Annexure A.2.
10 Details of Contingent Charges (in ₹ or %, as applicable)
(i) Penal charges, if any, in case of delayed payment (In the event of default/delay in 1.50% per month (p.m.) on the overdue/defaulted amount over
payment/ repayment of any part of the loan amount on due date) and above the applicable Interest Rate (plus applicable taxes or
other statutory levies, if any)
(ii) Other penal charges , (in the event of breach of other material terms (other than ICICI HFC reserves the right to levy and recover the applicable
payment default)) Penal Charges at its discretion, at the rate specified on the
outstanding amount plus applicable taxes and other statutory
levies, if any
(iii) Full prepayment/Foreclosure charges, if applicable*
1) Floating rate Non Housing loan where the Borrower(s) is individual and the end use NIL
of the loan facility is other than business purpose.
2) Fixed rate non housing loans 4.00% + Applicable Taxes
* Charges, wherever applicable, will be applied to the outstanding loan amount and on all amounts tendered by the Borrower(s) toward
prepayment of the Facility during the last one year from the date of final prepayment.
Fixed rate loan is one where the rate is fixed for entire duration of the loan.

(iv) Part Prepayment Fees NIL

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF–38–VER-11-01102024/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 (v) Charges for switching of loans from floating to fixed rate and vice versa NIL
(vi) Any other charges (please specify) *
(i) Cheque /ECS/NACH/Payment Instrument dishonor Charges, NIL
per transaction –
(ii) Repayment mode swap charges (PDC to PDC) – ₹1000/- (Rupees One Thousand only)
(iii) Charges on account of non-submission of any Payment ₹2000/- (Rupees Two Thousand only)
Instrument (PDC/NACH Mandate form, electronic security
mandates etc.) for payment of Instalment, per transaction –
(iv) Cheque / Repayment Mode swap charges other than PDC to ₹500/- (Rupees Five Hundred Only)
PDC –
(v) Charges for Amortisation Schedule – ₹100/- (Rupees One Hundred only)
(vi) Charges for Statement of account – ₹100/- (Rupees One Hundred only)
(vii) Charges for prepayment statement - ₹500/- (Rupees Five Hundred Only)
(viii) Charges for duplicate NOC / No due certificate - ₹500/- (Rupees Five Hundred only)

*subject to applicable taxes

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery agents Refer clause C under ‘Additional terms and conditions
under Annexure B
2 Clause of Loan agreement which details grievance redressal mechanism Refer clause D under ‘Additional terms and conditions’ in
Annexure B
3 Phone number and email id of the nodal grievance redressal officer GRO (Grievance Redressal Officer): 022-66493844 Email:
nodal.office@icicihfc.com
4 Whether the loan is, or in future maybe, subject to transfer to other REs or Refer D under ‘Additional terms and conditions in
securitisation (Yes/ No) Annexure B
5 In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details may be furnished:
Name of the originating RE, along with its funding Name of the partner RE along with its proportion of Blended rate of interest
proportion funding
NA NA NA
6 In case of digital loans, following specific disclosures may be furnished:
(i) Cooling off/look-up period, in terms of RE’s board approved policy, during which Not applicable
borrower shall not be charged any penalty on prepayment of loan
(ii) Details of LSP acting as recovery agent and authorized to approach the Not applicable
borrower

Definitions:
• Annual Percentage Rate (APR) is the annual cost of credit to the borrower which includes interest rate and all other charges associated with the
credit facility/ies.
• Equated Periodic Instalment (EPI) is an equated or fixed amount of repayments, consisting of both the principal and interest components, to be
paid by a borrower towards repayment of a loan at periodic intervals for a fixed number of such intervals; and which result in complete
amortisation of the loan. EPIs at monthly intervals are called EMIs.
Part 3
I/we acknowledge that
• ICICI HFC has an unconditional right to cancel the outstanding un-drawn commitments under the Transaction Documents at any time during the
currency of the Facility/ies and that ICICI HFC shall endeavor to provide prior intimation of the same to me/us.
• ICICI HFC follows defined instalment due date on a fixed day of each month which is decided on the basis of the date on which loan is disbursed.
Accordingly, accounting reconciliations would be suitably effected at the time of payment of the last Instalment. Instances wherein Disbursement is
delayed the Instalment amount may change accordingly.
• We have been informed that availing this loan along with the mortgage loan is NOT mandatory I/We are aware that the insurance plan that is
being availed by me/us has NO impact on outcome of the loan application appraisal
• I/We have carefully read and understood the terms and conditions of the insurance plan opted by me/us
• I/We have voluntarily availed the below mentioned insurance plan and is/are aware that the mortgage loan facility is available without the
insurance as well
The aforesaid sanction of the Facility will be subject to

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF–38–VER-11-01102024/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 1 The facility amount sanctioned shall be in the manner and subject to fulfilment of internal terms and conditions of the Lender including but
not limited to applicable regulatory guidelines from time to time.
2 Execution of Facility and other documents between you and ICICI HFC as per ICICI HFCs policy and format.
3 Terms and conditions as mentioned in Annexure B.
4 This sanction is valid subject to positive and satisfactory verification of all the documents provided by you.
5 All Verifications to be positive prior to disbursement
6 No Negative Hunter Matches found, same to be checked prior to disbursement.
7 OSV to be verified on KYC and income documents.
8 Positive RCU to be obtained prior to disbursement.
9 Submission of KYC documents which is mandatory for further processing
10 The aforesaid rate of interest would be valid for a period of 30 days from date of this sanction letter, subject to change in IHPLR.

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF–38–VER-11-01102024/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 Annexure _A.1. - Repayment schedule

Instalment No. Outstanding Principal (in Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)
1 72271 363 576 938
2 71908 366 573 938
3 71542 369 570 938
4 71174 372 567 938
5 70802 375 564 938
6 70428 378 561 938
7 70050 381 558 938
8 69670 384 555 938
9 69286 387 552 938
10 68900 390 549 938
11 68510 393 546 938
12 68117 396 543 938
13 67721 399 539 938
14 67322 402 536 938
15 66920 405 533 938
16 66514 409 530 938
17 66106 412 527 938
18 65694 415 523 938
19 65279 418 520 938
20 64860 422 517 938
21 64438 425 513 938
22 64013 429 510 938
23 63585 432 507 938
24 63153 435 503 938
25 62717 439 500 938
26 62278 442 496 938
27 61836 446 493 938
28 61390 449 489 938
29 60941 453 485 938
30 60488 457 482 938
31 60031 460 478 938
32 59571 464 475 938
33 59107 468 471 938
34 58639 471 467 938
35 58168 475 463 938
36 57693 479 460 938
37 57214 483 456 938
38 56731 487 452 938
39 56245 490 448 938
40 55754 494 444 938

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 Instalment No. Outstanding Principal (in Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)
41 55260 498 440 938
42 54762 502 436 938
43 54260 506 432 938
44 53754 510 428 938
45 53243 514 424 938
46 52729 518 420 938
47 52211 522 416 938
48 51688 527 412 938
49 51162 531 408 938
50 50631 535 403 938
51 50096 539 399 938
52 49556 544 395 938
53 49013 548 391 938
54 48465 552 386 938
55 47913 557 382 938
56 47356 561 377 938
57 46795 566 373 938
58 46229 570 368 938
59 45659 575 364 938
60 45084 579 359 938
61 44505 584 355 938
62 43921 588 350 938
63 43333 593 345 938
64 42740 598 341 938
65 42142 603 336 938
66 41539 607 331 938
67 40932 612 326 938
68 40320 617 321 938
69 39702 622 316 938
70 39080 627 312 938
71 38453 632 307 938
72 37821 637 301 938
73 37184 642 296 938
74 36542 647 291 938
75 35895 652 286 938
76 35243 658 281 938
77 34585 663 276 938
78 33923 668 270 938
79 33255 673 265 938
80 32581 679 260 938

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 Instalment No. Outstanding Principal (in Principal (in Rupees) Interest (in Rupees) Instalment (in Rupees)
Rupees)
81 31903 684 254 938
82 31218 690 249 938
83 30529 695 243 938
84 29834 701 238 938
85 29133 706 232 938
86 28427 712 227 938
87 27715 717 221 938
88 26998 723 215 938
89 26275 729 210 938
90 25546 735 204 938
91 24811 741 198 938
92 24071 746 192 938
93 23324 752 186 938
94 22572 758 180 938
95 21813 764 174 938
96 21049 770 168 938
97 20279 777 162 938
98 19502 783 156 938
99 18719 789 149 938
100 17930 795 143 938
101 17135 802 137 938
102 16333 808 130 938
103 15525 814 124 938
104 14711 821 118 938
105 13890 827 111 938
106 13062 834 104 938
107 12228 841 98 938
108 11388 847 91 938
109 10540 854 84 938
110 9686 861 78 938
111 8825 868 71 938
112 7957 875 64 938
113 7083 882 57 938
114 6201 889 50 938
115 5312 896 43 938
116 4417 903 36 938
117 3514 910 28 938
118 2604 917 21 938
119 1687 925 14 938
120 762 762 7 769

Annexure _A.2.
Computation of APR for the facility

Sr. Parameter Details

No.
1 Sanctioned Loan amount (in Rupees) (SI no. 2 of the KFS) 72271
2 Loan Term (in years/ months/ days) (SI No.4 of the KFS) 120

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 a) No. of instalments for payment of principal, in case of non - equated periodic loans Not applicable
b) Type of EPI EMI
Amount of each EPI (in Rupees) and 938
nos. of EPIs (e.g., no.of EMIs in case of monthly instalments)
SI No. 5 of the KFS
c) No. of instalments for payment of capitalised interest, if any Not applicable
d) Commencement of repayment post sanction (SI No. 5 of the KFS) Refer B under ‘Additional Terms and
Conditions’ under Annexure B Part 2
3 Interest rate type (fixed or floating or hybrid) (SI No. 6 of the KFS) Floating
4 Rate of lnterest (SI No. 6 of the KFS) 9.55 % p.a.
5 Total Interest Amount to be charged during the entire tenor of the loan as per the rate 40177
prevailing on sanction date (in Rupees)
6 *Fee/Charges payable (in Rupees) 853
A. Payable to the RE (SI No.8A of the KFS) 853
B Payable to third-party routed through RE (SI No.8B of the KFS template) NIL
7 Disbursed amount (1-6) (in rupees) for APR calculation (excluding stamp duty charges) 0
8 Total amount to be paid by the borrower (sum of 1 and 5) (in Rupees)** 112448
9 Annual Percentage rate- Effective annualized interest rate (in percentage) (Sl No.9 of the 9.55 %
KFS)
10 Schedule of disbursement as per terms and conditions Refer point 3 of the KFS
11 Due date of payment of instalment and interest Subject to the date of final Disbursement or
the Repayment option opted
by the customer, as applicable

*For upfront fees/charges which are deducted from disbursement amount , please refer Annex A , Sr no 8 (Fees/ Charges)
**Fees/Charges wherever paid by customer through cheque/online/any other mode, these fees /charges are not considered for the computation of
Sr.No.7 (Net disbursed amount) & Sr.No.8 (Total amount to be paid by the borrower).
ANNEXURE B
PART 1
TERMS AND CONDITIONS ATTACHED TO SANCTION LETTER:
Definitions
“Transaction Document(s)” means this Sanction Letter along with the all Schedules hereto, Sanction Letters all writings, undertakings,
authorizations, , and other documents, as required/ may be required by the ICICI HFC, executed or entered into or to be executed or entered into/ by
the Borrower or, as the case may be, any other person, in relation to, or pertaining to the Facility therefor or anything pursuant to this Agreement,
and each such Transaction Document as may be amended from time to time.
1. This letter should not be construed as giving rise to any binding obligation on the part of ICICI HFC to provide the financial assistance/s /
facilities mentioned overleaf (the "Facilities"), unless you have executed transaction documents, in a form and manner as may be required by
ICICI HFC in connection with the Facilities.
2. The Facility Agreement/Credit Facility Application Form and other transaction documents may/will contain terms and in addition to or in
modification of those set out in this letter.
3. Notwithstanding anything stated elsewhere in this letter or otherwise, the Facilities mentioned overleaf will be available solely at ICICI HFC's
discretion and subject to compliance of all formalities and documentation as may be specified/required by ICICI HFC. The continuance of the
Facilities is subject to cancellation and/or repayment to ICICI HFC on demand without assigning any reason for the same.
4. ICICI HFC shall be entitled to revoke the sanction of the Facilities, inter alia, in any of the following circumstances:
a) there is any material change in the purpose(s) for which the Facilities has been sanctioned ("the Purpose(s)");
b) in the sole judgement of ICICI HFC, any material fact has been concealed and/or become subsequently known;
c) any statement made by or on your behalf in your application or otherwise, is incorrect, incomplete or misleading;
d) the accepted copy of this letter duly signed by you is not received by ICICI HFC within the specified validity period;
e) there is a default under or a breach of the terms and conditions of this letter or any other loan/facility offered by ICICI HFC to you/any
of you;
5. The validity of the sanction for this Facility shall be available on the basis of validity of sanction for the linked mortgage loan of the Borrower
stated in Part 3 of the KFS in this Sanction. Repayment of facilities could be through Installment/EMl's comprising of principal and Interest/by
way of Minimum Amount Due
6. ICICI HFC is entitled to add to, delete or modify all or any of the terms and conditions for the facility and/or the Standard Terms applicable to
the Facilities.

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 7. The borrower/s shall immediately intimate ICICI HFC in the event of any change in the repayment capacity of the borrower/s. Without
limitation, this shall include a loss/change in job/profession etc. as also any change in any information stated in your application for the
Facilities.
8. The rate of interest applicable to the Facilities shall be as prevailing on the date/s of disbursement(s) / drawal(s) and as mentioned in this
sanction letter and more particularly detailed in the Facility Agreement/Credit Facility Application Form.
9. No disbursements/drawals under the Facilities shall be permitted until and unless the borrower/s has made its contribution towards the
Purpose(s) as mentioned overleaf, executed the required agreements, documents and writings and performed such other acts and deeds and
created such security as may be required by ICICI HFC.
10. ICICI HFC has sanctioned the Facilities on the basis of the calculation and the estimation of the costs to be incurred for fulfilling the
Purpose(s). If the cost of fulfilling the Purpose(s) increases above or falls below the calculated amounts, ICICI HFC reserves the right to cancel
the Facilities or reduce the amount sanctioned at the sole and exclusive discretion of ICICI HFC and the decision of ICICI HFC in that behalf
shall be binding on the borrower/s.
11. For all products, ICICI HFC may, in its sole discretion and on such terms for payment of prepayment charges etc. as it may prescribe (subject
to applicable laws/regulations from time to time) and compliance with any other conditions as it may specify from time to time, permit prepayment/
acceleration in payment of EMIs/installment at the request of the borrower/s. In the event ICICI HFC permits any prepayment/acceleration,
the repayment schedule for such facility shall be amended/altered by ICICI HFC for giving effect to such prepayment/acceleration repayment
schedules shall be binding on the borrower/s. In case if any amount is prepaid by the borrower/s, the same shall be adjusted first towards the
incidental charges, penal charges, PEMII, EMI outstanding, EMI of the current month and balance towards the principal amount of such
facility. ICICI HFC, at its sole discretion, may permit swap of the post-dated cheques for re-scheduling of EMI only if such minimum amount,
as may be decided by ICICI HFC from time to time is prepaid.
12. The Borrower(s) hereby agrees and covenants that the Facility shall be utilized for the Purpose as mentioned under this sanction letter,
Facility Agreement along with Schedules thereto, End Use letter, executed or entered into or to be executed or entered into by the
Borrower(s), as the case maybe and each such Transaction Document as maybe amended from time to time.

PART 2
ADDITIONAL TERMS AND CONDITIONS
B. Equated Monthly Installments
1. In case of the Facility sanctioned for the purpose of purchase of under construction property or for purchase of a plot for construction of the
property, prior to the start of the principal Instalments, the Borrower shall pay the interest at the applicable Interest Rate to the ICICI HFC by
way of the Pre-EMI Interest.
2. Where the Facility is disbursed by a single tranche, the Facility shall be repaid in accordance with the agreed repayment schedule as
specified in Annexure A.1. Where the Facility is disbursable in more than one tranches, the Borrower has by mutual agreement with the ICICI
HFC, may chose one of the following three options as further detailed under the Facility Agreement

C. Engagement of Recovery Agents

The Borrower hereby agrees and acknowledges that the ICICI HFC shall be entitled at its discretion to engage/ avail of, at the risk and cost of the
Borrower, services of any person/third party service provider/agent/agency, for anything required to be done for/ in relation to/ pursuant to the
Facility, including collections, recovery of dues, enforcement of security, getting or verifying any information of the Borrower/ assets, and any
necessary or incidental lawful acts/ deeds/ matters and things connected thereto, as the ICICI HFC may deem fit and all such incidental costs and
expenses shall borne by the Borrower.
D. Assignment
The Borrower hereby provides consent to the ICICI HFC to securitize, sell, assign, discount or transfer all or any part of the ICICI HFC’s rights and/or
obligations under the Facility, this Sanction Letter and all Transaction Documents executed from time to time in relation to the Facility to any
person(s), at any time in the future. Any such sale, assignment, securitization or transfer shall conclusively bind the Borrower and all other persons.
The Borrower shall not be entitled to directly or indirectly assign or in any manner transfer, whether in whole or part, any rights, benefits or
obligations under or in relation to the Facility, the Transaction Documents or any part thereof.

* All taxes, duties and levies, including but not limited to Goods and Services Tax, and any other tax/levy applicable as per law and as may be
amended from time to time would be additionally charged.

From the date of first disbursement, you will be required to pay Pre - EMI interest (at the rate applicable to your facility) till the time your facility is
fully disbursed, subsequent to which your EMI payments will begin.

ICICI HFC provides ECS and/or Direct Debit facilities as modes of repayment wherever these facilities are available. We encourage customers to
avail ECS/Direct Debit facilities for repayment.

The signing of this letter by the Borrower constitutes acceptance and acknowledgement of the terms herein contained. ICICI HFC Official Aditya Rai
will assist you with all your requirements pertaining to the above facility. You can reach him /her on 7011942122.

We look forward to a long-lasting relationship with you.

Thanking you,
Yours sincerely

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025

 Name: Aditya Rai
Designation: Portfolio
ICICI HFC PAN: AAACI6285N

ICICI HFC GSTN: 27AAACI6285N1Z0

Website: www.icicihfc.com
This is a system generated letter and does not require any physical signature.

I/We accept the above terms & conditions.

I hereby expressly acknowledge that I have been informed about the loan amount, tenure, applicable interest and other terms of the said loan. I
hereby affix my signature in acceptance of the same.

___________________________________________________________________________________
Customer Signature

To be signed by all Borrower/co-borrower.

ICICI Home Finance Company Limited

Registered Office: Corporate Office: Toll free number for new customers:1800 267 4455
ICICI Bank Towers, ICICI HFC Tower, Website : www.icicihfc.com
Bandra-Kurla Complex Andheri Kurla Road, J.B. Nagar, CIN:- U65922MH1999PLC120106
Mumbai 400 051, India. Andheri (E), Mumbai-400 059. HF– I- 38–VER-11-01062025/KFS

10

eSigned using Aadhaar (Leegality.com -

01K06A47NT2C7JYB0JJ4XMMWBR)
Aditya Rai eSigned using Aadhaar (Leegality.com -
01K06A47NT2C7JYB0JJ4XMMWBR)
Date: Tue Jul 15 11:21:13 IST 2025 GAYARAM JHA

Date: Tue Jul 15 11:30:27 IST 2025