Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 270277 Type of Loan Personal Loan

2 Sanctioned Loan amount (in Rupees) ₹32,738.00

3 Disbursal schedule

(i) Disbursement in stages or 100% upfront. 100% upfront

(ii) If it is stage wise, mention the clause of loan N.A.

agreement having relevant details

4 Loan term (Months) 24 Months

5 Instalment details

Type of instalments Number of EPIs EPI (₹) Commencement of repayment, post

sanction

Monthly 24 Months ₹1,500.00 As per disbursement date

6 Interest rate (%) and type (fixed or floating or hybrid) 20.00% (Reducing) Fixed

7 Additional Information in case of Floating rate of interest -- NA

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

B S EPI (₹) No. of EPIs

NA NA NA NA NA NA NA NA

8 Fee/ Charges: N/A

Payable to the RE (A) Payable to a third party through RE (B)

One-time/ Amount (in One- Amount (in ₹) or Percentage

Recurring time/Rec
₹) or (%) as applicable
urring
Percentage

(%) as applicable

(i) Processing fees One-time ₹386.31 One- ₹386.31

time

(ii) Insurance charges N.A. N.A. N.A. N.A.

(iii) Valuation fees N.A. N.A. N.A. N.A.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (iv) Any other (please Recurring ₹0.00 N.A. N.A.
specify)

9 Annual Percentage Rate (APR) (%) 10.48% annually

10 Details of Contingent Charges (in ₹ or %, as applicable)

(i) Penal charges, if any, in case of delayed payment 28.32% of charges + GST

(ii) Other penal charges, if any Late Fee: ₹0.00 (inclusive of GST)

Bouncing Charges: ₹590.00

(inclusive of GST)

(iii) Foreclosure charges, if applicable 0.00% of O/S loan amount + GST

(iv) Charges for switching of loans from floating to fixed rate and vice versa N.A.

(v) Any other charges (please specify) Mandate / Autopay cancellation

penalty: ₹0.00 (inclusive of GST)

Mandate / Autopay resetup

charge: ₹0.00 (inclusive of GST)

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of Refer to: Schedule III

recovery agents

2 Clause of Loan agreement which details grievance Refer to: Clause 15 Sub clause (12)
redressal mechanism

3 Phone number and email id of the nodal grievance Hindon Mercantile Limited:
redressal officer
Phone Number: 011-43094300

Email: helpdesk@mufinfinance.com

Mufin Green Finance:

Phone Number: 011-42610483

Email: helpdesk@mufinfinance.com

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

transfer to other REs or securitisation (Yes/ No)

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

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 proportion proportion of funding

Hindon Mercantile Limited, 5% Mufin Green Finance Limited, 95% 20.00%

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

(i) Cooling off/look-up period, in terms of RE’s board 10 days

approved policy, during which borrower shall not be charged
any penalty on prepayment of loan

(ii) Details of LSP acting as recovery agent and authorized BimaPay Finsure Private Limited
to approach the borrower

(Signature) (Signature) (Signature)

Hindon Mercantile Limited Mufin Green Finance Limited Mrinmoy Saikia (Borrower)

Designation: CFO Designation: CFO Designation: Self

REPAYMENT SCHEDULE *

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Installment Install Installment Principal Interest Closing
No. ment Amount
Amount Amount Balance
Due
Date

31-Jul-
1 ₹3,273.00 ₹3,273.00 ₹0.00 ₹29,465.00
2025

05-Sep-
2 ₹1,500.00 ₹1,008.92 ₹491.08 ₹28,456.08
2025

05-Oct-
3 ₹1,500.00 ₹1,025.73 ₹474.27 ₹27,430.35
2025

05-Nov-
4 ₹1,500.00 ₹1,042.83 ₹457.17 ₹26,387.52
2025

05-Dec-
5 ₹1,500.00 ₹1,060.21 ₹439.79 ₹25,327.31
2025

05-Jan-
6 ₹1,500.00 ₹1,077.88 ₹422.12 ₹24,249.43
2026

05-Feb-
7 ₹1,500.00 ₹1,095.84 ₹404.16 ₹23,153.59
2026

05-Mar-
8 ₹1,500.00 ₹1,114.11 ₹385.89 ₹22,039.48
2026

05-Apr-
9 ₹1,500.00 ₹1,132.68 ₹367.32 ₹20,906.80
2026

05-May-
10 ₹1,500.00 ₹1,151.55 ₹348.45 ₹19,755.25
2026

05-Jun-
11 ₹1,500.00 ₹1,170.75 ₹329.25 ₹18,584.50
2026

05-Jul-
12 ₹1,500.00 ₹1,190.26 ₹309.74 ₹17,394.24
2026

05-Aug-
13 ₹1,500.00 ₹1,210.10 ₹289.90 ₹16,184.14
2026

05-Sep-
14 ₹1,500.00 ₹1,230.26 ₹269.74 ₹14,953.88
2026

05-Oct-
15 ₹1,500.00 ₹1,250.77 ₹249.23 ₹13,703.11
2026

05-Nov-
16 ₹1,500.00 ₹1,271.61 ₹228.39 ₹12,431.50
2026

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 05-Dec-
17 ₹1,500.00 ₹1,292.81 ₹207.19 ₹11,138.69
2026

05-Jan-
18 ₹1,500.00 ₹1,314.36 ₹185.64 ₹9,824.33
2027

05-Feb-
19 ₹1,500.00 ₹1,336.26 ₹163.74 ₹8,488.07
2027

05-Mar-
20 ₹1,500.00 ₹1,358.53 ₹141.47 ₹7,129.54
2027

05-Apr-
21 ₹1,500.00 ₹1,381.17 ₹118.83 ₹5,748.37
2027

05-May-
22 ₹1,500.00 ₹1,404.19 ₹95.81 ₹4,344.18
2027

05-Jun-
23 ₹1,500.00 ₹1,427.60 ₹72.40 ₹2,916.58
2027

05-Jul-
24 ₹1,500.00 ₹1,451.39 ₹48.61 ₹1,465.19
2027

05-Aug-
25 ₹1,489.61 ₹1,465.19 ₹24.42 ₹0.00
2027

Post disbursement, Lenders will communicate the final repayment schedule to the Borrower within
07 (seven) working days.

I/ We accept the above Terms\charges and accept to pay the charges.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (Signature) (Signature) (Signature)

Hindon Mercantile Limited Mufin Green Finance Limited Mrinmoy Saikia (Borrower)

Designation: CFO Designation: CFO Designation: Self

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 DECLARATION AND UNDERTAKING

I Mrinmoy Saikia Son/Daughter/of N/A, the undersigned herein, do hereby state, declare, and
solemnly affirm as follows:

1. I, Mrinmoy Saikia have carefully reviewed and understood the contents of all the documents
related to the credit facilities/loan availed by me from Hindon Mercantile Limited (CIN:
U34300DL1985PLC021785) & Mufin Green Finance Limited (CIN: L65990RJ2016PLC054921).

2. The terms and conditions outlined in the facility documents, along with any ancillary
agreements, have been explained to me in a language that I fully understand.

3. I confirm that I have comprehended all the contents of the said documents and that I have
signed them of my own free will, with full knowledge and acceptance of the terms and
conditions contained therein.

4. By signing these documents, I acknowledge that I am fully aware of and agree to abide by all
the terms and conditions stipulated in the facility documents.

I declare that the statements made hereinabove are true and correct to the best of my knowledge
and belief.

Name of Borrower: Mrinmoy Saikia

Signature of Borrower:

Place: undefined undefined undefined Bengena-Ati Puroni Satra Jorhat (785106) Assam India

Date: 30 July,2025

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 SANCTION LETTER

Hindon Mercantile Limited

201, 2nd Floor, Best Sky Tower Plot No. F-5, Netaji Subhash Place, North West, New Delhi, Delhi,
India, 110034

Mufin Green Finance Limited

201, 2nd Floor, Best Sky Tower Netaji Subhash Place, Pitampura, Delhi, Delhi, India, 110034

Mrinmoy Saikia

undefined undefined undefined Bengena-Ati Puroni Satra Jorhat (785106) Assam India

Dear Mrinmoy Saikia,

Date: 30 July,2025

This letter is made in reference to your loan application number 270277 dated 30/7/2025. Based on
the information you provided in your loan application; we are pleased to inform you of the approval
of your loan based on the following terms and conditions:

Loan amount of INR ₹32,738.00

Loan interest of 20.00% (Reducing basis) applicable in relation to market conditions upon the
disbursement of the loan.

Payment mode: Monthly Instalments

Collateral: Authorisation to cancel insurance policy and take refund from insurance company.

Disbursement shall be made upon completion of the required documents for the loan and of the
signing of the loan agreement.

Regards,

Hindon Mercantile Limited Mufin Green Finance Limited

Designation: CFO Designation: CFO

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 LOAN FACILITY AGREEMENT

THIS LOAN FACILITY AGREEMENT (“Agreement”) is made at New Delhi, on 30 July,2025 (“Execution
Date”)

BY AND AMONG

Hindon Mercantile Limited, hereinafter referred to “Lenders” (details described in Schedule 1),
(which expression shall, unless it be repugnant to the subject or context thereof, be deemed to mean
and include its successors and permitted assignees) of the FIRST PART;

Mufin Green Finance Limited, hereinafter referred to “Lenders” (details described in Schedule 1),
(which expression shall, unless it be repugnant to the subject or context thereof, be deemed to mean
and include its successors and permitted assignees) of the SECOND PART; AND

Mrinmoy Saikia, hereinafter referred to “Borrower” (details described in Schedule 1), (which
expression shall, unless it be repugnant to the subject or context thereof, be deemed to mean
include its successors and permitted assigns) of the THIRD PART;

The Lenders and the Borrower are hereinafter collectively referred to as the “Parties” and
each individually “Party”.

WHEREAS

A. The Borrower has requested the Lenders to sanction a credit facility for an aggregate amount
(hereinafter referred to as “Loan” which is more specifically mentioned in “Schedule – II” of this
Agreement) for a period (hereinafter referred to as “Tenure” which is more specifically mentioned in
“Schedule –II” of this Agreement).

B. The lenders shall process loans via Digital lending application (DLA) provided by BimaPay Finsure
Private Limited.

C. The Borrower has further assured that the Facility would be utilized only for the Purpose (defined
below) and repaid as per terms contained in the Schedule.

D. At the request of the Borrower and relying upon the correctness of the information provided and
on reliance of the representations and the assurances given by the Borrower, the Lenders have
agreed to sanction the Facility to the Borrower, on the terms and subject to the conditions contained
herein.

NOW THEREFORE IT IS HEREBY AGREED BY AND BETWEEN LENDERS AND BORROWER AS

FOLLOWS:-

1. DEFINITIONS AND INTERPRETATION

(A) Definitions

For the purposes of this Agreement, in addition to the terms defined elsewhere in this Agreement,
unless the context requires otherwise, the terms listed below shall have following meanings:

(a) Authorized Signatory (ies)” means the person(s) mentioned in “Schedule – I” who are authorized
to sign and execute this Agreement.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (b) Business Day” means a day which is not a Saturday, Sunday or a public holiday within the
meaning of Section 25 of Negotiable Instruments Act, 1881 and on which Banks are open for general
business.

(c) Default/Penalty Interest” means the interest rate specified in Schedule – II for default/ delay in
the repayment of Loan amount.

(d) Due Date” means the date(s) on which any amounts from the Borrower to the Lenders including
the principal amount of the Loan, interest and/or any other amounts, falls due under/as per this
Agreement and any other document executed with respect to the facility.

(e) Effective Date” shall mean as mentioned above in the agreement.

(f) Events of Default” means any of the Events of Default specified in Clause 11.

(g) Instalment” means the amount, determined by the Lenders, payable by the Borrower to the
Lenders, as per this Agreement or as agreed in writing between the Parties, to amortize the Loan
amount during the Tenure.

(h) Government” means the government of India or the Government of any state in India or any
Ministry or Department of the same and any local authority or any authority exercising powers
conferred by Law(s).

(i) Interest Rate/ Rate of Interest means the amount of interest chargeable on the Loan amount at
rate specifically mentioned in Schedule – II.

(j) Law(s)” includes all statutes, enactments, and acts of legislature, laws, ordinances, rules, bye laws,
regulations, notifications, guidelines, policies, directions, directives and orders of any Government,
statutory authority, court and tribunal having the force of law of any of the foregoing, by any
authority having jurisdiction over the matter in question.

(k) Prepayment” means premature repayment as per the terms and conditions laid down by the
Lenders in that behalf and in force at the time of prepayment.

(l) Outstanding Amount” means the amount outstanding to be repaid till realisation under the Loan
which amount shall include the principal, interest and such other expenses as are agreed to be borne
by the Borrower under this Agreement.

(m) Receivables” means and includes, without limitations, all accounts receivables and other sums
owing to the Borrower from time to time whether or not reflected in financial statements of the
Borrower;

(n) Schedule” means Schedules attached hereto and as modified from time to time and forming an
integral part of this Agreement.

(B) Interpretation

In this Agreement, unless the contrary intention appears a reference to:

Unless the context otherwise requires, words importing the singular shall include the plural and vice
versa and reference to the masculine gender includes feminine and neutral gender and vice versa.

Any reference to a statutory provision shall be deemed to include a reference to its statutory
amendment or re-enactment, currently in force.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Headings are only for the purpose of reference and shall not be taken into account in the
construction or interpretation of an article.

References to any article or Schedule without further designation shall be construed as references to
the article or Schedule respectively of this Agreement, so numbered.

2. REPRESENTATIONS AND WARRANTIES

The Borrower hereby declares, represent and warrant on a continuing basis that:

(1) It is an entity duly licensed and existing under the laws of India with power to enter into this
Agreement and to exercise its rights and perform its obligations hereunder.

(2) It is competent and fully authorized to issue such declarations, confirmations, representation,
agreements and undertakings for the purpose of borrowing/availing of the Loan and proper
performance of this Agreement.

(3) The execution and delivery of this Agreement and its performance of its obligations hereunder
does not contravene any applicable law, statute or regulation or any judgment or decree to which the
Borrower is subject to or in conflict or result in breach of any covenants, conditions and stipulation
contained in any existing agreement, to which the Borrower is a party.

(4) The execution, delivery and performance of this Agreement and documents referred to in this
Agreement shall not violate any mortgage, deed, contract or other undertaking to which the
Borrower is a party or which is binding upon it or any of its assets and shall not (save as
contemplated herein) result in creation or imposition of any charge or any other encumbrance
whatsoever of any of its assets.

(5) It has assets that exceed in value of its liabilities, shall be able to pay its debts as they fall due and
has reasonable capital to carry on its business.

(6) It is not in breach of or default under any agreement to which it is a party and which is binding on
it or any of its assets to an extent or in a manner that would have material adverse effect on its
financial condition or its ability to perform its obligations under this Agreement.

(7) No Event of Default has occurred and is continuing.

(8) No account of the Borrower or its group companies has been classified as SMA (Special Mention
Account) or declared NPA/ settled by giving rebate/ OTS by any bank/ Financial Institution.

(9) No legal proceedings have been commenced or, to its knowledge are threatened against the
Borrower until date which would have a material adverse effect on its financial condition or its ability
to perform its obligations under this Agreement.

(10) All information supplied to Lenders in contemplation or for the purpose of this Agreement or
the Loan was true and accurate in all material respects as at the date the information was supplied
and did not omit anything material and no charge has occurred since that date and the date hereof
which renders the same untrue or misleading in any material respect, and all projections and
statements of belief and opinion given by the Borrower to Lenders were made honestly and in good
faith after due and careful inquiry.

(11) It acknowledges and agrees that the Interest Rate/ Rate of Interest and Default/Penalty Interest
under this Agreement are reasonable and that they represent genuine pre-estimates of the loss
expected to be incurred by Lenders.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (12) It acknowledges and agrees that the Lenders reserves the right to retain any of the assets of the
Borrower towards Liquidation of the outstanding of the Borrower.

(13) Borrower shall provide a demand promissory note for the entire Facility amount.

(14) The Borrower understands and acknowledges that the Lenders shall have full right, power and
authority to make disclosure of any information relating to Borrower including personal information,
details in relation to documents, Loan, defaults, security, obligations of Borrower, to the credit
information companies, RBI and/or other affiliate/agencies/RAss for the purpose of the performance
or ensuring performance of the obligation by the Borrower under this Agreement.

3. UTILISATION OF LOAN FACILITY

The Borrower/Customer(s) hereby agrees, confirms and undertakes that the lenders shall directly
process the Premium amount (Loan) to the Insurance Company and Borrower/Customer(s) shall avail
the Loan Facility strictly for the purpose as detailed in the “Schedule-II” of this Agreement.

4. TENURE OF THE AGREEMENT

(1) Subject to the terms of this Agreement, the Parties herein acknowledges, agrees & confirms that
from the date of disbursement of Loan, the Loan amount shall be available to the Borrower for the
Tenure as mentioned in “Schedule – II” subject to the borrower meeting the other condition in the
agreement and to the termination clause.

(2) The Borrower herein agrees and confirms that subject to the Borrower being regular in payment
of interests as mentioned in this Agreement, Lenders in its absolute discretion, may agree to renew
the Loan on the terms and conditions, prevalent at the time of renewal.

5. DISBURSEMENT

(1) Schedule of Disbursement: The Facility shall be disbursed in single or in multiple tranches as may
be more specifically detailed in Sanction Letter.

(2) Mode of Disbursement: All payments to be made by the Lenders under or in terms of this
Agreement as per request of the Borrower.

6. REPAYMENT OF LOAN FACILITY

(1) Except as otherwise agreed by the Lenders, the Borrower shall repay the amounts under the
Facility outstanding from time to time on each and every Due Date in an amount equal to the
Installment as specified in the Repayment Schedule provided that:

(1.1) the Facility shall be Repaid in full by the final repayment date through such Repayment
Instruments as specified in the Schedule;

(1.2) the Lenders shall be entitled to demand immediate Repayment of the entire amount of the
Facility outstanding if any portion of the principal amount of the Facility or any interest due thereon
is not paid as and when it is due to be paid;

(1.3) The Borrower shall Repay the principal amount of the Facility under the agreement free from
and clear of any deduction and /or set off on any account whether by virtue of any legal provision,
statute or otherwise and any such deductions required by virtue of legal provision, statute or
otherwise shall be entirely borne by the Borrower. It is hereby clarified that in case the Borrower has

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 been sanctioned multiple facilities, there will not be any setoff without the prior written consent of
the Lenders;

(1.4) The Borrower shall pay all costs, Charges and expenses of the Lenders promptly as and when
required to do so by the Lenders; and

(1.5) The Lenders shall be under no obligation to provide the Borrower, Guarantor with any notice,
reminder or other intimation to the Borrower, Guarantor regarding its/their obligation to pay the
amount(s) payable under this Agreement, and it shall be entirely their responsibility to ensure
prompt and regular payment of the amount(s) payable by the Borrower to the Lenders as and when
due and in the manner provided herein. The Borrower hereby acknowledges that the Lenders shall
have the right to initiate or take necessary legal action against the Borrower, Guarantor in case of
dishonor/bouncing of any Repayment Instrument/Security Repayment Instrument on account of
insufficient funds/ non-maintenance of balance in the bank account etc., in addition to the levy of
such charges by way of penalty and other additional levies, as specified in the Agreement or
Sanction Letter or as the Lenders may deem fit from time to time. The Borrower shall be entitled to
prepay the Facility ( in full or in part) through such Repayment Instruments as specified in the
Schedule with the prior written consent of the Lenders (which may be granted by the Lenders at
their sole and absolute discretion) during Tenor of the facility subject to compliance of the
conditions as stipulated in the Sanction Letter or Schedule of this Agreement, by giving not less than
7 (seven) days’ notice to the Lenders (or such other period as may be decided by the Lenders), from
time to time and provided that any such prepayment (in full or part) shall be made subject to
payment of such prepayment costs (“Prepayment Charges”) as specified in the Schedule to this
Agreement. The Lenders shall provide to the Borrower a Prepayment Statement/ Foreclosure
Statement and the Borrower shall prepay the whole or any part of the Facility in accordance with the
Prepayment Statement/ Foreclosure Statement. Provided that, a Cooling off/look-up period (as
specified in Schedule II) shall be granted to the borrower during which borrower shall not be charged
any penalty on repayment of loan.

7. AMORTIZATION

(1) The Borrower will amortise the Facility strictly as stipulated in the Schedule, subject to any other
changes in such amortisation as communicated later in writing by Lenders to the Borrower. However,
in the event of delay or advancement, for any reason whatsoever, in the disbursement of Facility, the
Due Date of payment of first Instalment shall, in such case, be the corresponding day of the following
months to the day currently stated in the Schedule.

(2) The Borrower shall also pay to Lenders, the Pre-Instalment Interest as maybe applicable on the
Facility under the terms of this Agreement.

(3) The Borrower agrees that the amount shall be remitted to Lenders on each and every Due Date of
the Instalments. In the event of any dishonour of any Repayment Instrument/ Security Repayment
Instrument, the Borrower agrees to pay dishonour charges per instance as mentioned in the Sanction
Letter and/or in this Agreement, in addition to any Additional Interest/ Default Interest/ Penal
Interest payable in terms of this Agreement.

(4) Cancellation of Policy: In Case, the borrowed money is used to purchase an insurance policy, then
the Borrower Further agrees that in the event of any dishonour of any Repayment Instrument/
Security Repayment Instrument, the Borrower grants an irrevocable consent to Lenders to terminate
his policy (as specified in Cancellation of Policy letter) and return the applicable premium amount
directly to the lenders, in accordance to the applicable terms and conditions of Policy.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (5) In the event of any variation in the date of payment of Instalments/the amount of Interest,
principal or Instalments/the numbers thereof, the Borrower undertakes to forthwith issue fresh
Repayment instrument(s), Security Repayment Instrument(s) as may be required by Lenders.

(6) Notwithstanding anything herein, Lenders shall always have the right to review and reschedule
the repayment terms of the Facility or of the outstanding amount thereof in such manner and to
such extent as Lenders may decide on prospective basis with prior written notice to the Borrower. In
such event/s the Borrower shall repay the Facility or the Outstanding Amount thereof as per the
revised Schedule as may be determined by Lenders/s in its/their sole discretion.

(7) In case any amount is prepaid by the Borrower, unless otherwise decided by the Lenders in its
discretion, the same shall be adjusted/appropriated towards the Pre-Instalment Interest, other
applicable interest, principal outstanding and the balance towards other charges under the Facility.

(8) All payments to be made by the Borrower to the Lenders under this Agreement including
amounts towards repayment of Loan amount, payment of Interest, shall be payable by the Borrower
to ensure that the Lenders realizes the monies on such deemed Due Date.

8. TERMINATION

(1) The Agreement shall stand terminated on the date the Borrower has repaid the Loan Amount in
full along with Interest, overdue interest, Bank charges and other charges as mentioned in this
Agreement, and fulfilled all other obligations under the Agreement to the satisfaction of the Lenders,
whether before or on completion of Term.

(2) The Borrower shall have the right to terminate the Agreement by repaying the entire amount due
to the Lenders under this Agreement.

9. INDEMNIFICATION

(1) The Borrower shall unconditionally and irrevocably indemnify and hold harmless Lenders, its
directors, officers, employees, customers, subsidiaries, affiliates, sub-contractors and assignees, or
any of them, from and against Any losses, damages, liabilities, expenses (including reasonable
attorney’s fees) costs, claims, suits, disbursement, demands, actions, causes of action, proceedings,
judgments, assessments, deficiencies and charges resulting from: -

(a) any act of omission or commission by the Borrower in connection with this Agreement.

(b) any material misrepresentation of the terms of any agreement which the Borrower may execute
with the third party.

(c) any material misrepresentation of the terms of any agreement which the Borrower may execute
with the third party.

(2) Any claims or demands made against Lenders or its employees, directors, shareholders by any
sub-contractors, employees, workers, consultants and the like engaged by Borrower under this
Agreement.

(3) The certificate of costs, charges, and expenses, as certified by Lenders shall be conclusive
evidence against the Borrower for the amount due and payable under this clause.

(10) AMENDMENT TO SCHEDULE-II

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Subject to mutual consent, Borrower hereby agrees that Lenders by giving 15 (Fifteen) working day
notice in writing has an exclusive right to change/modify/alter/add any and/or all terms of this
Agreement inter alia with respect to “Schedule – II” including but not limited to rate of interest,
prepayment charges, penalty charges and other charges/interest/cost/penalties/heads/

particulars as mentioned in “Schedule – II” of this Agreement. Borrower herein agrees that any such
change shall come into effect on the date as notified by the Lenders.

11. BORROWER’S UNDERTAKINGS

The Borrower hereby undertakes to the following:

(1) Not to enter into any agreement with any other Person, so that any provisions of such an
agreement may conflict with or result in a breach of any provisions of this Agreement.

(2) Do or permit the Lenders to do every act or thing which the Lenders may from time to time
require for the purpose of enforcing the-rights of the Lenders thereunder.

(3) Furnish to the Lenders at the Borrower’s own expense information and documents as
communicates by the Lenders and/or such other information and reports as the Lenders may
reasonably request.

(4) Furnish to the Lenders at the Borrower’s own expense information and documents as
communicates by the Lenders and/or such other information and reports as the Lenders may
reasonably request.

(5) It shall comply with all applicable Law (s), rules and regulations and regularly pay all taxes and
other governmental levies,

(6) Forthwith report to the Lenders all frauds /defalcations along with the action taken /proposed
report.

(7) Promptly inform the Lenders of the occurrence of any Event of Default or of the occurrence of an
event which, with the passage of time or on giving of the notice would become an Event of Default,
and also, where applicable, of the steps being taken to remedy the same, and will, from time to
time, if so requested by the Lenders, confirm to the Lenders in writing that save as otherwise stated
in such information, no Event of Default has occurred and/or is continuing.

12. EVENT OF DEFAULT

(1) The following shall be classified as Event of Default by the Borrower:

(a) If the Borrower fails to pay on Due Dates or with the time stipulated and, in the manner, specified
in this Agreement for any amount due for 2 consecutive quarters from the Borrower hereunder
and/or in accordance with terms of any other document executed or written in pursuance thereof.

b. The Borrower utilises the Loan amount for a purpose other than for the intended purpose as set
out in the Agreement or otherwise agreed in writing amongst the Parties. The Borrower fails to carry
out and perform any of its obligations mentioned in this Agreement and related finance documents
or commits a default/breach of any provision of this Agreement and said finance documents and the
same is not cured within a period of 30 (Thirty) days from the date of occurrence of such default or
breach.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 c. The Borrower fails to carry out and perform any of its obligations mentioned in this Agreement and
related finance documents or commits a default/breach of any provision of this Agreement and said
finance documents and the same is not cured within a period of 30 (Thirty) days from the date of
occurrence of such default or breach.

d. The Borrower is unable to pay its debts or admits in writing its inability to pay debts, or to makes a
general assignment for the benefit if the creditors, or initiates proceedings for taking it into
liquidation, either voluntarily or compulsory or any proceeding is instituted by or against the
Borrower seeking reorganisation of the Borrower, or seeking arrangement, compromise,
adjustment, protection relief, or composition of its debts under any law relating to bankruptcy,
Insolvency or reorganisation or relief of debtors or receiver or liquidator is appointed or allowed to
be appointed in relation to all or any part of the undertaking of the Borrower.

e. Any representation, statement, warranties, assurances and particulars made/given by the

Borrower under or in connection with this Agreement or any finance document which in the opinion
of Lenders has turned out to be false, incomplete, incorrect and/or misleading.

f. Judgements:

(i) Any Judgement or order for payment of money if made against the Borrower that could
reasonably be expected to have material adverse effect on Lenders’ rights and interests;

(ii) Any non-monetary judgement or order rendered against the Borrower that could reasonably be
expected to have a material adverse effect on Lenders’ rights and interests;

(iii) Any litigation, arbitration or administrative proceeding or claim before any court, tribunal,
arbitrator or other relevant authority, which, by itself or together with any other such proceeding or
claim, would constitute a material adverse effect on the rights and interest of Lenders and Borrower
is not discharged, or the proceedings are not withdrawn or discontinued within thirty (30) days of
commencement of such proceedings.

g. Any Government authority takes any action to appropriate, condemn, confiscate, nationalise,
seize, assume custody or control of, or otherwise expropriate, any shares of capital stock or any
other property and assets of the Borrower or any portion of any of the foregoing, or takes any action
to displace the management or ownership or the Borrower from carrying on any part of its business
or operations and such appropriation, condemnation, confiscation, nationalisation, seizure
assumption, or displacement, or the effects thereof, continues for more than 7 (seven) days after the
commencement or occurrence thereof.

h. Material Adverse Effect

(i) Any change whether by way of coming up of any law, rule, regulation, ordinance or circumstances
whether attributable to Borrower or not which has a material adverse effect occurs and continues for
more than fourteen (14) days.

(ii) Any act or omission on the part of the Borrower or any circumstance which in the sole
judgement/discretion of the Lenders may prejudice the interest & rights of the Lenders and/or which
in any manner is detrimental to the terms and conditions of this Agreement.

(2) The Borrower herein agrees, confirms and declares that on the occurrence of any event of
default, the Borrower shall forthwith give notice thereof to Lenders in writing specifying the nature
of such Event of Default and the steps being taken by the Borrower to remedy such Default.

eSigned using Aadhaar (Leegality.com - eSigned using Doc Signer (Leegality.com

01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (3) Consequences

(a) At any time after the occurrence of a Default, the Lenders may charge a rate of Interest as
described in Schedule II.

(b) Declare the principal and all accrued interest on the Loan Facility availed and all other amounts
payable under this Agreement and other finance documents to be immediately due and payable,
whereupon the same shall become due and payable;

(c) Notwithstanding with dispute resolution clause, lenders may take all the necessary legal steps not
limited to civil, criminal liability to recover the debts and exercise all other rights, remedies and
discretion available to Lenders under this Agreement, finance documents and the law of the land;

(d) At the risk and expense of the Borrower, after giving notice, at any time after such occurrence of
event of default, in its sole Judgement/discretion, may refuse to grant the Loan Facility or any part
thereof which may remain to be disbursed;

(e) On the question or controversies that whether any of the events, matters or circumstances
mentioned above have actually occurred or not, the opinion of the Lenders shall be final, conclusive
and binding on the Borrower, both in and out of court/ judicial/ quasi-judicial authority.

Beside of the above clause borrower also accepting following clause with respect to the
Payments/Collection/Cancelation/Refund:

(a) Borrower shall be liable to pay monthly instalment amount of premium of policy to Lenders as
per payment schedule of repayment or terms of repayment until the full settlement repayment of
loan.

(b) The borrower authorizes the lenders to make payment of insurance premium on his behalf to the
insurance company after the loan is sanctioned.

(c) The borrower authorizes the Lenders to cancel the insurance policy with the Insurance Company
via digital aggregator platform in the event of default for repayment of loan or EMI to the lenders.

(d) The borrower also agrees that in case of cancellation of insurance policy due to default or any
other reasons, the refund amount of the policy after cancellation of the policy shall be deposited
directly into lenders account.

13. JURISDICTION

For any dispute arising under this Agreement and for the recovery of the amount due and payable by
the Borrower, the Courts of Delhi will have exclusive jurisdiction to try and adjudicate the same.

14. ARBITRATION MECHANISM

(1) Any dispute, difference, controversy or claim (“Dispute”) arising amongst the Parties, in relation
to or in connection with this Agreement and/or other Loan, of the breach, termination, effect,
validity, interpretation or application of this Agreement as to their rights, duties or liabilities
thereunder, or to act, matter or thing arising out of, consequent to or in connection with this
Agreement shall be settled by the Parties by mutual negotiations and agreement. If, for any
reason, such Dispute cannot be resolved amicably by the Parties, the same shall then be referred to
and settled by way of arbitration proceedings in accordance with the Arbitration and Conciliation Act,
1996 or any subsequent enactment or amendment thereto (“Arbitration Act”). A sole Arbitrator shall
be appointed and such Arbitrator shall be appointed by the Lenders. The decision of the Arbitrator

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 shall be final and binding upon the Parties. The venue of arbitration proceedings shall be New Delhi.
The language of Arbitration and the award shall be English. This Agreement shall be construed in
accordance with the laws of India.

(2) In the event, Arbitration proceedings are invoked by Lenders, the Borrower herein agrees,
confirms and undertakes to pay all the cost and expenses including the litigation expenses,
Arbitrator’s fee, expenses incurred for booking the venue for Arbitration & all the other expenses
incurred for conducting such proceedings. It is further agreed between the Borrowers that in the
event, the Borrower does not pay the said cost/ expenses, the said cost/expenses may be included in
the final award which may be passed by the Arbitrator.

(3) The Borrower herein acknowledges confirms and agrees that the Lenders reserve its rights to
approach appropriate Courts of law for the purpose of including but not limited to preservation of
security by moving appropriate applications/ petitions under Section 9 of the Arbitration and
Conciliation Act, 1996 as amended from time to time.

15. MISCELLANEOUS PROVISIONS

(1) Cumulative Rights: The Parties hereby agrees, confirms and declares that the rights and remedies
of the Lenders under this Agreement are cumulative and are in addition to and not in substation of
any of the Lenders’ rights or remedies provided under this Agreement and/or related
agreements/finance documents and law of the land.

(2) Waiver: The Parties herein agrees, confirms and declares that any forbearance of failure or delay
by the Lenders in exercising its rights, powers or remedies hereunder shall not be deemed to be
waiver of such right, power or remedy and any single or partial exercise of any right, power or
remedy hereunder shall not preclude the further exercise thereof and every right and remedy of the
Lenders shall continue in full force and effect until such right, power or remedy is specifically waived
by an instrument in writing executed by the Lenders duly signed by the borrower.

(3) Notification: (i) In the event, Lenders makes a claim in case of default, Lenders shall notify the
Borrower and deliver to the Borrower, a copy of any such claim, demand, assertion, imposition levy
or assessment made against Lenders by the competent authority, provided however, that nothing
herein shall require Lenders to disclose any confidential information relating to its affairs. (ii)
The Borrower herein agrees, confirms and undertakes that it shall not make any deduction or
withholding from any sum payable by the Borrower hereunder under this Agreement without the
written approval of Lenders duly signed by its director.

(4) Service of Notice: Any notice of demand required to be given herein under this Agreement shall
be given to the Parties hereto in writing shall be addressed at the respective address given by the
Borrower in the application form as more specifically mentioned in “Schedule – I” of this Agreement
or via respective email addresses of the parties. In event of any change in the address of the
Borrower shall forthwith intimate the same to Lenders, failing which service of notice or
correspondence sent by the Lenders to the Borrower shall be deemed to have been served. The
Parties herein acknowledge, agree & confirm that Notice may be sent either by registered post, or
telegram or by courier and/or by fax or by email.

(5) Variation: No variation of this Agreement shall be binding on any Party unless, and to the extent
that such variation is recorded in a written document executed by such Party, but where any such
document exists and is so signed such Party shall not allege that such document is not binding by
virtue of an absence of consideration.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (6) Severability: If any provision of this Agreement is invalid, unenforceable or prohibited by law, this
Agreement shall be considered divisible as to such provision and such provision, shall be inoperative
and shall not be part of the consideration moving from either Party hereto to the other, and the
remainder of this Agreement shall be valid, binding and of like effect as though such provision was
not included herein.

(7) Amendment: The Parties herein agrees and confirms that except for the provisions of the present
Agreement wherein the Lenders possess the unilateral right to amend/change the terms, no
modification, amendment or alteration of this Agreement shall be binding upon the Parties unless
contained in writing and signed by both the Parties.

(8) Successors and Assigns: This Agreement binds and benefits the respective successors and
assignees of the Parties and, in respect of the individuals who are parties, their respective heirs,
executors, administrators and legal representatives.

(9) Assignment: The Borrower shall not have any right to assign this Agreement and/or any right or
obligation hereunder or part hereof. The Lenders may assign/securitize/transfer/novate its rights
under this Agreement and may notify the Borrower accordingly of such an assignment/securitization
if required.

(10) Entire Understanding: This Agreement constitutes the entire agreement between the Parties
and supersedes and extinguishes all previous agreements, promises, assurances, warranties,
representations and understandings between them, whether written or oral, relating to its subject
matter.

(11) No Remedies: Each Party agrees that it shall have no remedies in respect of any statement,
representation, assurance or warranty (whether made innocently or negligently) that is not set out in
this Agreement.

(12) The Lenders & LSP shall handle all the queries from the Borrower(s) arising in relation to the
Facility and give appropriate feedback to the Borrower(s) in relation thereto. The Lenders & LSP shall
seek to redress grievances of the Borrower(s) in relation to the Facility as and when they come.
However, the Lenders shall endeavor to resolve the queries and complaints of the Borrower(s) as per
the applicable guidelines/ regulations, as may be issued/ revised by RBI and any other appropriate
authority, from time to time. Borrower(s) may refer the Grievance Redressal Mechanism as set out in
the Grievance Redressal Policy at the below link for redressal of their grievances:

URL- https://hindon.co/wp-content/uploads/2021/08/Grievance_Redressal_Policy.pdf

URL- https://mufingreenfinance.com/wp-content/uploads/2024/09/Customer-Grievance-Redressal-
Policy.pdf

For details of Principal Nodal Officer(s)/Nodal Officer(s), customer may refer the below link available
on the website of the Company:

URL- https://hindon.co/contact

URL- https://mufingreenfinance.com/contact/

(13) Cost and Expenses: The Borrower shall pay all transaction costs and expenses including legal
advisor expenses (if any) and other costs and expenses incurred in the course of performance of
their obligations under the Agreement.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 IN WITNESS WHEREOF the parties hereto have signed this Agreement in acceptance of all terms and
conditions stated above at Delhi on 30 July,2025.

(Signature) (Signature) (Signature)

Hindon Mercantile Limited Mufin Green Finance Limited Mrinmoy Saikia (Borrower)

Designation: CFO Designation: CFO Designation: Self

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 SCHEDULE I

Details of the Lenders- First Part

Name Hindon Mercantile Limited

Registered Address 201, 2nd Floor, Best Sky Tower Plot No. F-
5, Netaji Subhash Place, North West,
New Delhi, Delhi, India, 110034

Corporate Address 201, 2nd Floor, Best Sky Tower Plot No. F-
5, Netaji Subhash Place, North West,
New Delhi, Delhi, India, 110034

Details of the Lenders- Second Part

Name Mufin Green Finance Limited

Registered Address SP-147, RIICO INDUSTRIAL AREA,

BHIWADI, Rajasthan, India, 301019

Corporate Address 201, 2nd Floor, Best Sky Tower Netaji

Subhash Place, Pitampura, Delhi, Delhi,
India, 110034

Details of the Borrower

Name Mrinmoy Saikia

Status or Type of Entity Individual

PAN No. FQMPS3946C

Current Address undefined undefined undefined Bengena-

Ati Puroni Satra Jorhat (785106) Assam
India

Permanent Address undefined undefined undefined Bengena-

Ati Puroni Satra Jorhat (785106) Assam
India

Email ID mrinmoysaikia299@gmail.com

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Contact No 8876546942

Schedule II

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan proposal/ account No. 270277 Type of Loan Personal Loan

2 Sanctioned Loan amount (in Rupees) ₹32,738.00

3 Disbursal schedule

(i) Disbursement in stages or 100% upfront. 100% upfront

(ii) If it is stage wise, mention the clause of loan N.A.

agreement having relevant details

4 Loan term (Months) 24 Months

5 Instalment details

Type of instalments Number of EPIs EPI (₹) Commencement of repayment, post

sanction

Monthly 24 Months ₹1,500.00 As per disbursement date

6 Interest rate (%) and type (fixed or floating or hybrid) 20.00% (Reducing) Fixed

7 Additional Information in case of Floating rate of interest -- NA

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

B S EPI (₹) No. of EPIs

NA NA NA NA NA NA NA NA

8 Fee/ Charges: N/A

Payable to the RE (A) Payable to a third party through RE (B)

One-time/ Amount (in One- Amount (in ₹) or Percentage

Recurring time/Rec
₹) or (%) as applicable
urring

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Percentage

(%) as applicable

(i) Processing fees One-time ₹386.31 One- ₹386.31

time

(ii) Insurance charges N.A. N.A. N.A. N.A.

(iii) Valuation fees N.A. N.A. N.A. N.A.

(iv) Any other (please Recurring ₹0.00 N.A. N.A.

specify)

9 Annual Percentage Rate (APR) (%) 10.48% annually

10 Details of Contingent Charges (in ₹ or %, as applicable)

(i) Penal charges, if any, in case of delayed payment 28.32% of charges + GST

(ii) Other penal charges, if any Late Fee: ₹0.00 (inclusive of GST)

Bouncing Charges: ₹590.00

(inclusive of GST)

(iii) Foreclosure charges, if applicable 0.00% of O/S loan amount + GST

(iv) Charges for switching of loans from floating to fixed rate and vice versa N.A.

(v) Any other charges (please specify) Mandate / Autopay cancellation

penalty: ₹0.00 (inclusive of GST)

Mandate / Autopay resetup

charge: ₹0.00 (inclusive of GST)

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of Refer to: Schedule III

recovery agents

2 Clause of Loan agreement which details grievance Refer to: Clause 15 Sub clause (12)
redressal mechanism

3 Phone number and email id of the nodal grievance Hindon Mercantile Limited:
redressal officer
Phone Number: 011-43094300

Email: helpdesk@mufinfinance.com

Mufin Green Finance:

Phone Number: 011-42610483

Email: helpdesk@mufinfinance.com

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 4 Whether the loan is, or in future maybe, subject to Yes
transfer to other REs or securitisation (Yes/ No)

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

Hindon Mercantile Limited, 5% Mufin Green Finance Limited, 95% 20.00%

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

(i) Cooling off/look-up period, in terms of RE’s board 10 days

approved policy, during which borrower shall not be charged
any penalty on prepayment of loan

(ii) Details of LSP acting as recovery agent and authorized BimaPay Finsure Private Limited
to approach the borrower

(Signature) (Signature) (Signature)

Hindon Mercantile Limited Mufin Green Finance Limited Mrinmoy Saikia (Borrower)

Designation: CFO Designation: CFO Designation: Self

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 REPAYMENT SCHEDULE *

Installment Install Installment Principal Interest Closing

No. ment Amount
Amount Amount Balance
Due
Date

31-Jul-
1 ₹3,273.00 ₹3,273.00 ₹0.00 ₹29,465.00
2025

05-Sep-
2 ₹1,500.00 ₹1,008.92 ₹491.08 ₹28,456.08
2025

05-Oct-
3 ₹1,500.00 ₹1,025.73 ₹474.27 ₹27,430.35
2025

05-Nov-
4 ₹1,500.00 ₹1,042.83 ₹457.17 ₹26,387.52
2025

05-Dec-
5 ₹1,500.00 ₹1,060.21 ₹439.79 ₹25,327.31
2025

05-Jan-
6 ₹1,500.00 ₹1,077.88 ₹422.12 ₹24,249.43
2026

05-Feb-
7 ₹1,500.00 ₹1,095.84 ₹404.16 ₹23,153.59
2026

05-Mar-
8 ₹1,500.00 ₹1,114.11 ₹385.89 ₹22,039.48
2026

05-Apr-
9 ₹1,500.00 ₹1,132.68 ₹367.32 ₹20,906.80
2026

05-May-
10 ₹1,500.00 ₹1,151.55 ₹348.45 ₹19,755.25
2026

05-Jun-
11 ₹1,500.00 ₹1,170.75 ₹329.25 ₹18,584.50
2026

05-Jul-
12 ₹1,500.00 ₹1,190.26 ₹309.74 ₹17,394.24
2026

05-Aug-
13 ₹1,500.00 ₹1,210.10 ₹289.90 ₹16,184.14
2026

05-Sep-
14 ₹1,500.00 ₹1,230.26 ₹269.74 ₹14,953.88
2026

05-Oct-
15 ₹1,500.00 ₹1,250.77 ₹249.23 ₹13,703.11
2026

eSigned using Aadhaar (Leegality.com - eSigned using Doc Signer (Leegality.com

01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 05-Nov-
16 ₹1,500.00 ₹1,271.61 ₹228.39 ₹12,431.50
2026

05-Dec-
17 ₹1,500.00 ₹1,292.81 ₹207.19 ₹11,138.69
2026

05-Jan-
18 ₹1,500.00 ₹1,314.36 ₹185.64 ₹9,824.33
2027

05-Feb-
19 ₹1,500.00 ₹1,336.26 ₹163.74 ₹8,488.07
2027

05-Mar-
20 ₹1,500.00 ₹1,358.53 ₹141.47 ₹7,129.54
2027

05-Apr-
21 ₹1,500.00 ₹1,381.17 ₹118.83 ₹5,748.37
2027

05-May-
22 ₹1,500.00 ₹1,404.19 ₹95.81 ₹4,344.18
2027

05-Jun-
23 ₹1,500.00 ₹1,427.60 ₹72.40 ₹2,916.58
2027

05-Jul-
24 ₹1,500.00 ₹1,451.39 ₹48.61 ₹1,465.19
2027

05-Aug-
25 ₹1,489.61 ₹1,465.19 ₹24.42 ₹0.00
2027

Post disbursement, Lenders will communicate the final repayment schedule to the Borrower within
07 (seven) working days.

I/ We accept the above Terms\charges and accept to pay the charges.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 (Signature) (Signature) (Signature)

Hindon Mercantile Limited Mufin Green Finance Limited Mrinmoy Saikia (Borrower)

Designation: CFO Designation: CFO Designation: Self

DISBURSEMENT DETAILS

Name of Insurance Company Star Health & Allied Insurance Co Ltd

Bank details of the IC NA

Premium Amount ₹32,738.00

(Signature) (Signature) (Signature)

Hindon Mercantile Limited Mufin Green Finance Limited Mrinmoy Saikia (Borrower)

Designation: CFO Designation: CFO Designation: Self

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 SCHEDULE III

Code of Conduct for Recovery Agents

The LSP/Service Provider/RAs agrees that it will adhere to the collection and recovery process
detailed herein below while acting as an agent of the Lenders.

Name of the LSP acting as a Recovery BimaPay Finsure Private Limited

Agent(s)

Contact Details 0

CODE FOR COLLECTION OF DUES

Foreword

The Collections Code encapsulates minimum requirements that need to be adhered by the RAs/ their
authorized representatives while contacting a customer for overdue payments. The requirements are
aligned to minimum standards set forth by regulatory authorities. Employees/agency/vendors or
their employees are authorized by the RAs for contacting customers. The code details the mandatory
standards that all employees, individual’s/persons/ vendors/entities are required to adhere as a
qualification before engaging a customer.

All customers (including those customers who are late in making their payments or have defaulted in
their payment schedule) must be treated with respect, dignity, courtesy and fairness in debt
collection efforts. The RAs believes that this is not only the right thing to do, but also the most
effective thing to pursue as well.

It is imperative that the persons involved in collection related activities should adhere this code,
abide by standards mentioned below before commencement of collection activities. This policy
applies to all the employees of the RAs, vendors/ agents or its employees which are hired or retained
to collect dues and over dues from the customers.

The following are the core bedrocks of the collection process

1. Customers to be treated with dignity: Employees/agency or its employees should always have a
professional approach while addressing the customer over the telephone or during visits. No verbal
or written threats, mishandling or boorishness is permitted. Employees/ agency or its employees use
only acceptable business language even if the other party does not.

2. Employee or the Agency Employee to be treated with dignity: In case of an abusive customer,
every employee of the RAs or of an agent has to bring it to the notice of his line manager. If the
customer becomes abusive or threating over a call, the same should be documented appropriately.

3. Call Recordings: All calls being made to the customer(s) must be recorded as per the requirement
of the code of conduct stipulated by Reserve bank of India. Employee or the agency employee should
first identify herself/himself and the company/entity that they represent at the very beginning of
every interaction with customers.

4. Privacy: Customer are entitled to privacy, privacy policy to be applied to all conversation with
agents of the company.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 5. Code: All collection activities should be unswerving with the guidelines provided in the document
and in compliance with code for collections of dues stipulated (from time to time) by Reserve Bank of
India. All emails, letters, and other communications must be in the format approved by collections
and legal department.

6. Timings: Customers should be called only between 0930 Hrs and 1830 Hrs.

7. Convenience: Customers should be called only to the extent reasonable in the context of the debt
and the convenience of the customer(s) to talk, should be enquired at the beginning of each call.
Such conversations should be logged on the system for record purposes.

8. Alternative: Customer requests that calls/ visits to place of work be stopped are to be honored, if
he/ she provides a suitable alternate where he/she may be reached during collection working hours.
Such customers should be asked to provide an alternate address/phone number where they may be
reached.

9. Information: Customer’s questions should be answered in full. They should be provided

with information requested, given assistance and attempt to resolve the issues within the permitted
parameters if any. Accounts with unresolved issues are to be escalated to line managers.

10. In case the customer or related party requests to speak to supervisor the same should be
honoured.

11. Updates: Update by the employee on the collection system should be clear, concise and
accurate. All attempts, contacts, conversation and actions for a particular case are to be recorded on
the collection system.

The need for contacting a customer

A customer is to be contacted for debt collection only under the following circumstances:

• When not contacting the customer, it may lead to the imposition of an additional cost on customer
or may impact customers credit history/rating; and/or

• When the customer has not paid on payment date (including grace days) and this is likely to impact
the customer’s credit history and/or is likely to cause a financial loss to company.

When to get in touch with a customer

Calls must normally be limited from 0930 Hrs to 1830 Hrs.

Where to get in touch with a customer

The first visit/contact with the customer should be at his/her place of residence or on his/her mobile.
When the collection unit is unable to contact the customer at his residence/ mobile, - other
telephone numbers like employment may be used or

- the customer may be contacted at his/her other address or number/through customer/s or

reference or guarantor.

All visits by the employee or the collection agent should be done at a designated or mutually agreed
upon place and the visit to be documented as a trail for future correspondence.

Language or mode of communication and how to address a customer

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 To try and use the language with which the customer is comfortable. In case of a language barrier,
the employee or the agent may take the assistance of an intermediary (i.e. immediate supervisor) to
explain in detail. To have a professional approach while addressing the customer, to be treated with
respect and dignity and not use impolite/harsh/threatening words during a collection call or
discussions or deliberations.

Frequency of calls

The purpose of a collection call is to bring to the customer’s notice the obligation to pay and to seek
a commitment to pay on a specified date. Once a promise is elicited, a call/visit may be made to
serve as a reminder and for confirmation of payment.

In the event a commitment is not forthcoming or has been broken, calls/visits may be made at
reasonable frequency, based on amount owed, product, ageing of debt and account history, so is the
case with field visits. Excessive number of calls or visits closely bunched together in the same day
may be construed as a harassment.

Borrowers/Customer’s Privacy

The borrower/customer’s debt/obligation may normally be discussed only with the borrower and co-
borrower or the guarantor/surety to the loan agreement, and the employer in cases of corporate
facilitated loans. Not to be discussed with the third party unless and until explicitly authorized by the
customers.

As informed to borrowers/customers in the terms and conditions of the credit facility, customer debt
details can be discussed with Regulatory/Law enforcement agencies, as well as third party RAss who
are contracted with, to provide debt collection and support services.

Employee of the company, may communicate with a third party about the customer’s debt to the
extent doing so is necessary to enforce a decree.

Leaving messages and contacting persons other than the borrower at the telephone
numbers/addresses provided by the borrower or made available to company, during the time when
attempts are being made to contact the borrower.

Calls must first be placed to the borrower and in the event the borrower is not available, a message
may be left for the borrower to an adult family member. The aim of the message should be to elicit a
return call from the customer only and not to divulge the details of the credit facility availed by the
borrower.

Post leaving a message and when there is no reciprocity from the borrower, then it is permissible in
follow-up calls to include:

●In generic terms to state that the call is pertaining to the NBFC’s related loan;

●In generic terms to state that his/her/company’s account has become overdue;

●To mention about the overdue amount that needs to be paid immediately to regularize the
account;

●Under any circumstances no third party can be asked to make payment on behalf of the borrower;
and

●Collections can disclose the loan obligations to co-borrower or the co-guarantor.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Leaving messages and contacting the third party

When the borrower cannot be contacted at the assigned numbers/ address message with a call back
request may be left with the third party.

There could be a situation, wherein the borrower has alienated the [vehicle/asset] or pledged to a
third party and not making repayments in spite of loan being recalled, collection team can disclose to
such third party about the overdue obligations on the part of borrower to resolve the impending
issue.

If third party who is in the custody of the [vehicle/asset] wishes to resolve the issue by closing the
loan, then the payments can be received from the third party with prior consent being obtained from
the borrower.

Employee/agents can always seek the help of the third party in case the borrower cannot be
contacted on the given phone numbers and addresses. While seeking such help, the employee or the
agent need to identify himself or may not identify depending on the situation.

In case of any financial guarantee by the third party, in such cases the third party may be summed to
discuss the obligation.

No misleading of statements or Misrepresentation facts

•No misleading of statements or misrepresentation of facts are permitted on the part of the
employee or the agent.

• Not to use legal jargon or threating the borrower with legal consequences.

Gifts or Bribes

Employee or the agents shall not accept any form of inducements/gifts of any kind from the
borrowers, in case of any, the employee or the agent should bring it his/her immediate supervisor.

Precaution to be taken during a residence visit

• To respect the personal space of the borrower;

• Not to enter borrower’s residence against his/her wish or when borrower is not found during a
visit;

• Not confine illegally the borrower at his residence during a visit;

• Not remain in the borrower house over stipulated time or post deliberations;

• To respect borrower’s privacy i.e. not to embarrass him in front of his relatives or his neighbours;

• Not to visit residence if customer explicitly requests;

• Not to visit borrower’s residence in case of a bereavement or in case of a serious Ailment; and/or

• Not to visit borrower’s residence in the case of social engagement.

Precaution to be taken during a work place visit

• Not to visit unless and until there is a request from the borrower;

• To respect the personal space of the borrower;

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 • Not to enter borrower’s workplace against his/her wish or when borrower is not found during a
visit;

• Not to confine illegally the borrower at his/her workplace during a visit; and/or

• Not to remain in the borrower works place over stipulated time or post deliberations.

• Employee or Agent should refrain themselves from offering assistance to borrower by driving
him/her to the company/Bank/ATM or any other place where the money to repay the debt to be
collected.

If the customer declines to pay

If the customer declines to pay, consequences of such decision may be explained to him/her,

• Impact on Credit History;

• Cancellation of Insurance Policy;

• Possible inclusion in repository of negative data base;

• Possible Legal actions and its ramifications;

• Costs and consequences there off in case of a legal action; and/or

• Further denial to pay in such cases the case may referred to line managers.

In case of a dispute with respect to borrower’s account

For dispute resolution the case may be referred to line manager in case of an employee and in case
of agent it shall be referred to agency supervisor.

Appearances and Dress Code

Well-groomed appearance by employee or the agent is desired.

Letter and other communications

Communications to the customer either through letters or mails to be handled by the employee of
the company. Mail dunning/telegrams/Phonograms/ shall be in a format approved by collections,
compliance and the legal unit of the company. All such mails shall be in envelopes that do not bear
any marking on the outside to indicate their content (aside The RAs and return mail address). Post
cards/other open media is strictly out of bonds.

Recruitment, Training and Supervision

• Debt collection agency to ensure due diligence is excised while recruiting the employee, preferably
minimum 10th Standard pass.

• Company’s employees/collection managers to impart training to the new employees/ agents along
with handouts with respect to do’s and don’ts while carrying out collection activity and the same to
documented from an audit perspective.

• Collection managers to review/supervise the collection agency at regular intervals with respect to
process and policies adherence, compliance issues, from audit perspective and the same to be
adequately documented.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Compensation/Remuneration: The agency to ensure that its employees are adequately
compensated for the services rendered and the same needs to be documented and to be open for
inspections.

Penalties: Any act of misconduct, misrepresentation of facts, misappropriation of company funds or

assets, any malafide act on the part of the agency or its employee which would result in monetary
loss, collateral damage or reputational risk, service level agreement (SLA) or such similar agreement
to be invoked for levying penalties.

Important points

Key Factors Do’s Don’ts

Appearance and ●Well Groomed No Chappals or Sandals

Dress Code ●Clean & Tidy

●Formals

Speech ●Introduce Yourself with identity ●Do not get aggressive or

card abusive

●To address formally ●Do not shout or scream

●Tone to be polite ●Not to get personal

●Decency and decorum to be

maintained

Belongings ●Identity Card

●Letter of Authority

●Receipt Book

●Stat Card

●DCR Booklet

Ethics ●Being fair and ethical while ●No false promises

dealing with customers verbally or in writing

●Collections interaction should ●No personal dealing

with the
be based on courtesy, fair
borrower/customer
treatment and persuasion

Information and Confidentialit ●Present only the customer ●Unauthorized info

y information required in an orderly
written/verbal cannot
fashion.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 be revealed to any

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Annexure-A

ASSIGNMENT LETTER

To,
Star Health and Allied Insurance Co. Ltd

I Mrinmoy Saikia S/o (or) D/o Deba Kanta Saikia aged about 29 yrs, along with other
policy holder(s), if any ("Proposer ”), do hereby authorize and instruct Star Health and
Allied Insurance Co. Ltd (“Star Health”) to refund, the premium (in full or pro-rated as
the case may be) in terms of free look cancellation / withdrawal of insurance cover
granted to me / Cancellation of the Policy as per the terms and conditions of the
Policy, to Hindon Mercantile Limited.

The refund of premium may be processed and deposited in the designated bank
account of Hindon Mercantile Limited
Account Number - 409001919562
Bank Name – RBL Bank
IFSC - RATN0000190

I hereby provide my irrevocable consent that in case I am not able to repay the
installment towards the loan issued by Hindon Mercantile Limited via Bimapay to me
for financing of premium payment for the policy issued vide Policy no.
vo2583a472273631ddc688a4d
within 15 days of due date, Star Health may terminate my policy and return the
appropriate premium amount (as the case may be) directly to Hindon Mercantile
Limited in accordance to the applicable terms and conditions of the Policy.

In the event Star Health refunds the premium amount as per instructions above, it
shall be construed as full and complete discharge of any liability by Star Health
towards me and I shall not have any objection to such refund in any case whatsoever
and Star Health shall not be liable in any manner whatsoever to me for such refund
subsequent to payment as per above instructions.

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025
 Mrinmoy Saikia

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01K1D1NGETQQH4XM5CW4BGHPSY) -
Mrinmoy Saikia 01K1D1NGETQQH4XM5CW4BGHPSY)
Date: Wed Jul 30 12:22:59 IST 2025 Hindon -- Hindon
Hindon Mercantile Limited
Date: Wed Jul 30 12:23:58 IST 2025