HOME LOAN SANCTION LETTER

Date - 15/04/2025

To,
MR. GUNTTI BHARATH KUMAR , MR. GUNTI NAVEEN KUMAR
5 66 A 1 G FLOOR PANCHAVATI COLONY RD NO 3 MEDIPALLY ,500098
Ph: +919703479487
Dear Sir/Madam ,

Subject: Your Home Loan Application No. APPL50694949,Dated - 11/04/2025

We are pleased to inform you that based on your above mentioned application to Tata Capital Housing Finance Limited, (hereinafter referred to as the
"Company") under its Home Loan Residential program, has in principle sanctioned the loan on the terms and conditions mentioned hereafter and printed
overleaf against the following property/ies

Description of the Property:

Property Not Identified

The salient features of financial covenants of loan are as under:

Total Amount Insurance Rate of Interest Current TCHFL Spread over Tenor Monthly Total Processing
Sanctioned NRPLR* TCHFL NRPLR Installment(EMI) Fee

INR 4,921,000/- INR 0 10.8% -2.05% 240 INR 43,487/- INR 7080/-
8.75% (Floating) (Inclusive of GST)
Months
*New Retail Prime Lending Rate - NRPLR is the rate of interest announced by TCHFL from time to time as th
its retail prime lending rate and shall govern the Rate
of Interest for your loan contract from time to time. NRPLR shall be effective on all new sanctions from 12 April 2024.
**In case you have opted for Fixed Rate of Interest, the rate of interest shall be fixed for the period mentioned herein-above and upon expiry of the period of
Fixed Rate of Interest, the Loan shall attract floating (Adjustable) Rate of Interest based on the then prevailing TCHFL NRPLR. Such floating rate of interest
shall vary in accordance with the TCHFL NRPLR announced by the Company from time to time as its new retail prime lending rate.

Special Conditions:
1.Title deeds of the property/ies in original as per the legal report shall be submitted prior to disbursement.
2.If the property is jointly owned by more than one person then all owners of the property shall be co- applicants to the loan.
3.Loan shall not be used for any other purpose except the purpose as represented in the application form.
4. EMI to be deducted 50 % each from Applicant's account HDFC Bank A/c No. 50100234062311 and from Co-applicant's account HDFC Bank A/C
50100018533716
5. MOE on proposed collateral.
6. Subject to positive FI, RCU, Legal and Technical reports.
7. BT + Top up norms to be met.
8. FC and LOD from HDFC Bank to be documented.
9. End use letter to be documented.
10. Top up amount shall be released after submission of original documents.
11. Closure of PL -1605918/- from top up funds.
12. This is a financial sanction only, final loan amount and ROI might vary basis valuation reports only

The sanction shall stand revoked and cancelled if:

1.There is any material adverse change in the opinion of the Company on the basis of which the loan has, in principle, been sanctioned.
2.Any material fact concerning your income, employment or ability to repay, or any other relevant aspect of your proposal for the loan is suppressed, concealed
or not made known to us.
3.Any statement made in the application or otherwise is found to be misleading, incorrect or untrue.
4.Unsatisfactory track record in respect of any other finance facility availed by the applicant/s.
5.In case if the Property is not identified then above mentioned rate of interest is subject to change depending on the due diligence of the property being
finalized. This will be considered as in-principle sanction and TCHFL reserves its right to terminate this Sanction Letter in case of misrepresentation of property /
other documents etc.

This sanction is valid for 45 days from the date of this letter unless waived by the company at its sole discretion.

Yours truly,
For Tata Capital Housing Finance Limited

Authorized Signatory

Applicant / Co-Applicant Signature

This is a system generated sanction letter and does not require signature of TCHFL Page 1 of 3
 Terms and conditions:
1.The applicant will create an Equitable Mortgage**/ Registered Mortgage of the property as may be stipulated by the Company at its discretion and the applicant/
mortgagor shall be responsible and liable to register / intimate such Equitable Mortgage with the concerned office of sub-registrar of assurances, if required.
2.The Terms and Conditions are subject to change without prior notice and at the sole discretion of the Company.
3.Notwithstanding anything stated elsewhere in this letter or otherwise, the facilities mentioned overleaf will be available solely at Companys discretion and subject to
compliance of all formalities and documentation as may be specified/required by the Company. The continuance of the facilities is subject to cancellation and /or repayment
to the Company on demand without assigning any reasons for the same.
4.Part pre-payment and Foreclosure Charges will be applicable as per below details:

RATE DESCRIPTION PARTY TO THE AGREEMENT FORECLOSURE CHARGES* PARTIAL PREPAYMENT CHARGES
CLOSURE BY OWN
CLOSURE BY BALANCE TFR CLOSURE BY OWN FUNDS
FUNDS
INDIVIDUAL/ NON-INDIVIDUAL
FLOATING RATE
BORROWERS / CO- NO CHARGES NO CHARGES NO CHARGES
SCHEME
BORROWERS
INDIVIDUAL/ NON-INDIVIDUAL
FIXED RATE SCHEMES BORROWERS / CO- NO CHARGES 2% + GST* NO CHARGES
BORROWERS
* In case of Semi-Fixed Loans(fixed rate for initial period and then floating),the foreclosure and Pre-payment norms for floating rate loans would be applicable on loan being
converted into floating rate
5. The rate of interest applicable to the facilities shall be as prevailing on the date/s of disbursement(s). The Company shall review and, if considered necessary, revise the
Rate of Interest at any time and from time to time as per its policy, market conditions, TCHFL NRPLR and/or applicable laws and regulations, if any, during the tenor of the
loan at its sole discretion.
6. In case of any revision in rates as mentioned in above clause, MI amount and/or tenure of repayment may be varied.
7.Penal Charges :
a) For default in payment of interest and/ or principal amounts – 2.00% P.M. (24.00% P.A.) on the defaulted amount
b) For Dishonour Charges/ Mandate rejection charges: 700/- per instrument per process.

8.Other charges applicable to the loan

a) Processing Fee Up to 3.00% of the loan amount + GST(Up to 10,100 + GST upfront and balance at the time of disbursement)
b) Swapping charges for replacement of PDCs Rs.550/- per swap instance
c) Loan cancellation charges Rs.5,000/- plus GST
d) Other Charges incurred by the Company Actual charges incurred by the Company
e) One time account maintenance charges Rs.2000/-
f) Additional Processing fee towards Admin charges: Rs.3540/- (Including GST) (If applicable)
g) Any Other Charges will be applicable as per MOST IMPORTANT TERMS AND CONDITIONS (MITC) to be signed by the applicant

9.The due date for the payment of MI shall depend on date of part / full disbursement of loan. From the date of first disbursement till the time the loan is fully disbursed, the
Applicant will be required to pay Pre-Monthly Installment Interest (at the rate applicable to the loan) / MI for the part disbursed loan, subsequent to which MI for the fully
disbursed loan shall commence.
10.The applicant shall immediately intimate the Company in the event of any change in his repayment capacity. Without limitation; this shall include a loss/change in job/
profession etc. as also any change in any information stated in the application.
11.The Applicant will have to insure the property for the reconstruction value of the property and assign the same in favor of the Company.
12.The applicant shall mention their application number for any service related queries.
13.Please note that the payment of non refundable processing fee is a prerequisite for the loan to be sanctioned.
14.The term Applicant shall also include Co Applicant wherever appropriate, except where the context implies otherwise and all references to Company, shall mean Tata
Capital Housing Finance Limited, unless the context implies otherwise.
15. In case of Life Insurance coverage, If you come under medical category then you need to complete the medical formalities as soon as possible so as to enable
insurance company to take decision on acceptance of risk and the cover to commence .The policy cover does not commence unless the formalities are completed and the
risk is accepted by the insurance company on the basis of the medical results. In case of rejection the premium amount deducted will be transferred to your Loan account.
16. I am aware about that the Insurance has been taken along with my Loan and my insurance cover will start only after issuance of the policy. I understand that, if the
policy is not issued for any reason, then my loan will not be covered under the Insurance.
17.Acceptance of this letter is a confirmation that, the applicant has read and understood the contents as mentioned aforesaid and it also confirms that the applicant has
not been promised any free gifts/discounts or any other commitment whatsoever which is not documented in the loan agreement with the Company. It is further confirmed
that no cash/bearer cheque has been collected from the applicant with respect to the loan.
18.Original Property Documents will be released within 14 working days from the date of account closure. We request all the property owners or power of attorney holder
of the property owner (in case the property owner is a corporate entity or as may be applicable on a case-to-case basis) to visit the branch with the original KYC document
to collect the same.Please note that property documents will be handed over post closure of all the linked loan contracts (if any) availed from Tata Capital Housing Finance
Limited. Tata Capital Housing Finance Limited at its sole discretion may retain the original property documents offered as security under the Loan until all the linked
contracts/any other loan with Tata Capital Housing Finance Limited is/are fully repaid and closed or in terms of the provisions of the loan agreement. In case of any
registered charge created on the property by TCHFL as per the applicable state laws, we request the customer to kindly coordinate with the concerned SRO (Sub-Registrar
Office) to take necessary appointment & intimate TCHFL with prior notice to ensure the charge is released within 30 days from date of full repayment. TCHFL shall send
suitable intimation to customers upon loan termination & request them to initiate the process. In case of any delay from customers in coordinating with TCHFL to release
the charge, TCHFL shall not be responsible or liable for the same in any manner.
19. If the Applicant does not make a disbursal request within 24 months from the date of the last disbursal, the Company reserves the right to cancel the undisbursed
portion of the sanctioned loan.
20. I /We understand that these Terms and Conditions are an indicative list of terms and conditions of our loan products. These Terms and Conditions are further described
in other financing documents (such as Specific Agreements, Master Terms and Conditions, other loan documents) under relevant sections / schedules and therefore
should be read in conjunction with such financing documents. Please also visit the Company's website www.tatacapital.com for the Fair Practices Code and Policy for
determination of Interest Rates, Processing and other charges adopted by the Company.
This sanction letter is subject to the legal, financial, technical and other due diligence of the Applicant, Co-Applicants and the property to the satisfaction of TCHFL. The
Applicant and Co-applicants shall make available all necessary and material information and extend full cooperation to lawyers and other advisors of TCHFL for
undertaking the due diligence. In addition to the above, the sanction is also subject to the standard terms and conditions, according to the company rules / policies as
applicable from time to time. All statutory levies or taxes applicable from time to time will have to be borne by the applicant.
Notwithstanding the APF done by TCHFL, the Borrower/s shall conduct his / her own legal and technical due diligence of the property and independently verify the title of
the property, encumbrances and pending litigations, if any, concerning the property and the project land. TCHFL will not be held liable / responsible for any losses /claims
arising out of any pending litigations / defects in title / encumbrances of whatsoever nature, in connection with the said property / project.

In the event of default in repayment of the loan by the borrower/beneficiary to the Second Party and the loan becoming Non-performing assets (NPA), the lender/second
party will proceed for recovery of the dues through such measures as considered appropriate, including foreclosure of the property. In all such cases, the amount of the
recoveries will be charged to the subsidy amount on a proportionate basis (in proportion to the loan outstanding and subsidy disbursed)

This is a system generated sanction letter and does not require signature of TCHFL Page 2 of 3
Please note that this communication should not be construed as giving rise to any binding obligation on the part of TCHFL unless (i) you have returned the duplicate copy
of this letter duly signed in token acceptance and , (ii) signed/executed the agreements and (iii) signed/executed the security /other documents in connection with the
aforesaid facilities. Until and till such time, the sanction letter same may be cancelled without any prior notice.
This Letter of sanction does not create any binding obligations on us to disburse funds till the execution of appropriate loan and security documents and till
such time same may be cancelled without any prior notice. In case you require any further clarifications or information regarding the loan account or any of
our other services are required please feel free to contact Tata Capital Housing Finance Limited at 18602676060

ACCEPTED
Name Signature
Primary Applicant MR. GUNTTI BHARATH KUMAR
Co-Applicant MR. GUNTI NAVEEN KUMAR
Guarantor

This is a system generated sanction letter and does not require signature of TCHFL Page 3 of 3