Sanction Letter

Date:06-08-2025

To,
SUMAN KAR
Customer Address :559/N Talpukur Road sarsuna Kolkata
E-mail :SUMANKAR3275@GMAIL.COM
Contact No.: +91-9330048963
Pan No.:NBDPK6057G
Lead ID.:829059

Thank you for showing your interest in Sabkaloan.com and giving us an opportunity to serve you.
We are pleased to inform you that your loan application has been approved as per the below mentioned
terms and conditions.

Sabkaloan.com, A brand name under Mahashakti Financiers Ltd.

(RBI approved NBFC - Reg No. B-11.00019),
First Floor Plot No:-17, Pocket-8, Block-C, Sector-17, Dwarka New Delhi-110075.

This sanction will be subject to the following Terms and Conditions:

Customer Name SUMAN KAR

Sanctioned Loan Amount (Rs.) 13000.00

sabkaloan.com
Disbursal Loan Amount (Rs.)
Rate of Interest (% )
Date of Sanction
Total Repayment Amount (Rs.)
Tenure in Days
Repayment Date
11466
1.00(per day)
2025-08-06 15:28:38
16770
29
04 Sep,2025
Penal Interest(%) 2%
Processing Fee (Rs.) Rs.1300.00
GST 18% (Rs.) Rs.234
Repayment Cheque(s) -
Cheque drawn on (name of the Bank) -
Cheque and NACH Bouncing Charges (Rs.) 1,000.00/- per bouncing/dishonour
Annualised ROI (%) 365

Henceforth visiting (physically) you’re Workplace / Residence, contacting your reference or

reaching out to you by any number available in your documents in case you are not reachable has
your concurrence on it.

Kindly request you to go through above mentioned terms and conditions and provide your kind acceptance
over E- mail so that we can process your loan for final disbursement.

Best regards,

Team Sabkaloan.com
A Brand Name for Mahashakti Financiers Ltd
Registered Office: - Kahjuria Complex, Ward No 15 Kathua Jammu & Kashmir-184102

Signed by: SUMAN KAR

eSigned using Aadhaar (digio.in)
Date: 2025-08-06 15:31:32 IST
Kindly Note:

Non-payment of loan on time will adversely affect your Credit score, further reducing your chances
of getting loan again. As per RBI guidelines we inform all credit bureaus at the time of
disbursement and closure of loan.
Upon approval the processing fee will be deducted from your Sanction amount and balance amount will
be disbursed to your account.
This Sanction letter is valid for 24 Hours only.

You can Prepay/Repay the loan amount using our link https://sabkaloan.com/repayloan

Please note that this sanction letter is issued in response to your loan application and based on the
information you have provided to us.
The Processing fees as charged is mentioned above and the same will be deducted from your loan amount
upfront.
You are under no obligation to accept the sanctioned loan. If you do not accept the sanction letter and the
enclosed agreement your loan application will be considered withdrawn and you will not be liable to pay
any processing fees/charges.
If you wish to accept the sanction letter, please go through the enclosed Loan agreement and confirm your
acceptance of the agreement and the Terms of Sanction letter mentioned above.
The loan will be disbursed to your designated bank account after confirmation of your acceptance of this
sanction letter.

TERMS AND CONDITIONS

The Borrower confirms to have read and understood these Terms of Agreement before accepting a

sabkaloan.com
personal loan ("Loan") offer with us. By clicking on the "eSign" button, the Borrower shall be deemed to
have electronically accepted these Terms of Agreement. To the extent of any inconsistency, these Terms
of Agreement shall prevail.

The Loan shall carry a fixed rate of interest specified at the time of applying for the loan.
The Loan amount shall be disbursed, after debiting processing fees, in Borrower's account only with
the Bank on accepting the Personal Loan Terms of Agreement.
The repayment amount shall consist of principal and interest components. The Borrower confirms to
repay the repayment amount on the specified repayment date.
If repayment is not done by the specified date, the Borrower will be liable for penal interest.
If any repayment cheque is not honored, the Borrower will be liable for dishonor charges and penal
interest.
The Borrower agrees to pay the processing fee, payment dishonor charges, etc.
Any overdue payment incurs interest at the penal interest rate (which is higher than the usual
interest rate). We may change the interest rate if required by the statutory/regulatory authority.
The Borrower agrees that fees and charges specified may be revised from time to time and binding
on the Borrower.
The Borrower agrees to pay applicable Goods and Service Tax
The Borrower can make the prepayment at any time of the loan and no additional charges will be
levied.

Effective Date :- These Terms of Agreement shall be effective from the date of disbursal of the loan
amount
Assignment :- The Borrower agrees that, with or without intimation to the Borrower, be authorized to sell
and /or assign to any third party, the Loan and all outstanding dues under this Agreement, in any manner,
in whole or in part, and on such terms as we may decide. Any such sale or assignment shall bind the
Borrower, and the Borrower shall accept the third party as its sole creditor or creditor jointly with us and
Signed by: SUMAN KAR
in such event, the Borrower shall pay us or such creditor or as we may direct, the outstanding
eSigned amounts
using Aadhaardue
(digio.in)
Date: 2025-08-06 15:31:32 IST
from the Borrower under this Agreement.
Borrower Representations :- The Borrower represents and covenants that the Borrower

will use the Loan amount for legitimate purposes.

will not use the Loan for any speculative, antisocial, or prohibited purposes. If the Loan funds have
been used for purposes as stated above, we shall be entitled to do all acts and things that we deem
necessary to comply with its policies. The Borrower agrees to bear all costs and expenses incurs as a
result thereof.
shall notify, within 7 calendar days, if any information given by the Borrower changes. In the
specific event of a change in address due to relocation or any other reason, the Borrower shall
intimate the new address as soon as possible but no later than 15 days of such a change.
information of the Borrower with us is correct, complete, and updated.
has read and understood the Privacy Policy available on our website.

Notice:- We may send Loan-related notices, statements, or any other communication to the Borrower by
in-app messages, short message system (SMS), Whatsapp messaging service, electronic mail, ordinary
prepaid post, or personal delivery to Borrower's registered communication address. Communication and
notices sent by in-app messages/facsimile/SMS/email will be considered to have been sent and received
by the Borrower on the same day irrespective of carrier delays. Communication and notices sent by pre-
paid mail will be considered to have been delivered on the day immediately after the date of posting.

Consent to Disclose

The Borrower has no objection in and gives consent for sharing Loan details including Borrower's
personal details to branches, affiliates, services providers, agents, contractors, surveyors, agencies,
credit bureaus, etc. in or outside India, to enable us to provide services under the arrangement with
the third parties including customized solutions and marketing services. The Borrower confirms that

sabkaloan.com
the authorization given above shall be valid till written communication of withdrawal of Borrower 's
consent is acknowledged by us.
The Borrower understands and accepts the risks involved in sharing personal information including
sensitive personal information like account details with a third party.
The Borrower consents to share Borrower's personal information with third parties for processing,
statistical or risks analysis, conducting credit or anti-money laundering checks, designing financial
services or related products, marketing financial services or related products, customer recognition
on our website/app, offering relevant product and service offers to customers, etc.
The Borrower agrees that we may disclose Borrower's information to the Reserve Bank of India,
other statutory/regulatory authorities, arbitrator, credit bureaus, local authorities, credit rating
agency, information utility, marketing agencies, and service providers if required.
The Borrower authorizes to provide monthly details of the Loan Account and the credit facilities
extended to the Borrower to credit information companies. We may obtain information on credit
facilities availed by the Borrower from other financial institutions to determine whether we can
extend additional credit facilities. On the regularization of the Borrowers account, we will update
the credit information companies accordingly.
The Borrower authorizes to verify any of the information of the Borrower including Borrower's
credit standing from anyone we may consider appropriate including credit bureaus, local authority,
credit rating agencies etc.
The Borrower authorizes us to inform Borrower's employer of any default in repayment and agrees
to do things necessary to fulfill Borrower's obligations.
Our records about the Loan shall be conclusive and binding on the Borrower.
In case of default in repayment of the Loan amount, Borrower authorizes us and our collection
assistance specialist engaged, to contact Borrower over phone, office or visit Borrower's residence
or such other place where Borrower is located.

Governing Law & Jurisdiction:- The Loan shall be governed by the laws of India and all claims and
disputes arising out of or in connection with the Loan shall be settled by arbitration. Any arbitration
award/ direction passed shall be final and binding on the parties. The language of the arbitration shallKAR
Signed by: SUMAN be
eSigned using Aadhaar (digio.in)
English/Hindi and the venue of such arbitration shall be in New Delhi. Date: 2025-08-06 15:31:32 IST