Date : Aug 7, 2025
To : SATADHAR ELECTRONICS AND ELECTRICALS VED ROAD SURAT
Dear Sir/Madam,
We are pleased to inform you that the loan application of Mr. Raana Jayantibhai Mithapra has been approved
for Consumer Durable/Consumption Loan vide approval no. 101060810403 as per the details mentioned
below;
1. Product Details
A Application ID 101060810403
B Customer Name Mr. Raana Jayantibhai Mithapra
C Brand | Asset Category HAIER REFRIGERATOR
D Model Number HRD2103BSBP
E Scheme Name BS_HAIER124AUG25P5
F ROI % 25.36%
G Gross | Net Tenor (months) 12 | 8
H Advance EMIs (no.) 4
I Serial Number BS00U60AH01T3R4ELFW1
2. Disbursement Break-Up (in )
A Cost Of Product 15000.00
B DBD % (excl. GST) 2.00
C DBD Amount (incl. GST) 354.00
D Down Payment Collected (from customer) 5000.00
E=A-C-D Net Disbursement Amount 9646.00
3. Split of Downpayment (in )
F Margin Money paid by customer 0.00
G Total Down-Payment 5000.00
Advance EMI Amount (refrigerator) 5000
4. Cashback Details (in )
Wallet cashback given by the Bank 0.00
The required formalities with the customer have been completed and hence we request you to collect the down payment
and deliver the product at the following address
Customer Address:
212 SATYA NARAYAN SOC 2ND FL
KAPODRA CIRCLE PUNAGAM
SURAT, GUJARAT 395010
Thanking you,
IDFC FIRST Bank
#alwaysyoufirst
Terms & Conditions
1. This is a computer generated delivery advice (DA) and does not require any signature.
2. This DA is valid for 15 days from the date of issuance. For whatever reason, if the loan is not disbursed
within 15 days of issuance of this DA, then the Bank will not be liable to pay the dealer.
3. In case, if it is later found that customer has a different product or same product with different IMEI/Serial
No. than the one mentioned on the invoice provided by the dealer, then the Bank will not be liable to pay
for that case. In case amount is transferred already, the Bank is allowed to adjust the same from subsequent
disbursal(s) along with penalty.
4. Products such as Air Conditioners, Panel LED above 32 inch, Refrigerators, Washing Machines, Furniture,
Solar Panels and Kitchen Appliance like Chimney and Hob need to be delivered on the address mentioned
on the Delivery Advice and not over the counter, irrespective of the urgency of the customer. Other
products can be delivered to the customer over the counter against proper acknowledgement thereof.
5. Date on the invoice should not exceed beyond 2 days from the date on the DA. It is mandatory to capture
IMEI/Serial No. on the invoice.
6. Basis the bank’s requirement, the dealer needs to provide the delivery challan to IDFC FIRST Bank within
7 days of request.
7. Where the customer cannot be traced but the dealer has confirmed the delivery of the product as per the DA
address, the staff needs to do a joint visit with the bank’s team to establish the same.
8. The dealer has to check original photo ID proof of their customer before handing over any goods. Dealer
staff is expected to match
a. The name in original ID card with the name given in this DA
b. Photo in ID card with the person to whom goods are being given. This is required for all cases and
products.
9. It is the dealer’s responsibility to have delivery proof with customer acknowledgement on records and to
share it with IDFC FIRST Bank as and when requested.
10. Customer’s actual Rate of Interest may vary from that mentioned in the Sanction Letter which is due to
system logics and rounding off mechanism. However, customer's EMI amount will remain the same.
11.
11. In case of customer denying delivery of product or raising concerns on defective/ damaged product post
disbursal, it will be the dealer’s responsibility to foreclose the loan with IDFC FIRST Bank
12. Other charges pertain to cost incurred to pull customer’s bureau details.
