Sanction Letter

Ref No:3000175634 Dated:11-Jul-2025

To,

MR. Gagandeep Singh, MRS. VARINDER KAUR

ST No 3 ,

Gobind Enclave, Ambika Enclave,

Village Singhpura Sanur, Patiala, Patiala, Patiala, Punjab, IND, 147103.

Sub: Your application for HOME LOAN_AHF from Aditya Birla Housing Finance

Limited Dear Sir/ Madam,

Thank you for choosing Aditya Birla Housing Finance Limited (ABHFL) for your loan needs.

We are pleased to inform that we have sanctioned a HOME LOAN_AHF, the details of which are given below and overleaf.
Particulars Description
Type of Loan HOME LOAN PURCHASE - BT Approved FI HOME LOAN PURCHASE - TOP Up (New)
Amount Sanctioned 23,31,826/- 2,80,145/-
Term/Tenor of the Loan 240 240
Mortgage of immovable properties:

Property 1: Unit No : NA, Floor No : NA, Building Name : NA, Project Name : NA, Revenue
Security Record No : Kothi wakya Buta Singh Wala, rakba Vill. Sanour, Teh. and Dist. Patiala.
According to Jamabandi 2018-2019 Khewat No. 1594/1574, Khatoni No. 2233, Khasra No.
161
//25/2(5-14) out of rakba 0-7 1/2 Marla means 223 square yards., Plot No : NA, Near Fun
World, NA, Patiala, Buta Singh Wala, Sanour, Gobind Enclave, Patiala, Patiala, Punjab,
147103
Property Surrounding North- Road East- Road 20ft South- Vacant Plot West- Vacant Plot
Latitude/Longitude Latitude- 30.296688 Longitude- 76.433174
Equated Monthly Instalment (EMI) 24,868/- 2,988/-
Interest Rate Type Floating Floating
Charges Primary Product Secondary Product
Balance fee or Sanction fee # 0/- 19058/-
Login fee # 590/- 0/-
CERSAI fee # 0/- 118/-
IMGC Premium # 0/- 0/-
Total processing fee (Non Refundable)
Legal Processing Charges # 0/- 0/-
** Inclusive of all tax
#Payable on Disbursement Lien Marking # 0/- 0/-
Mutation Charges # 0/- 0/-
E-agreement Execution Charges #
236/- 0/-
(applicable only for e-agreement cases)
Credit Enhancement Fees # 0/- 0/-
Processing Fee paid 826/-
Balance Fees to be collected 19176/-
ABHFL Reference Rate Affordable - HL – ABHFL Reference Rate Affordable - HL –
Salaried on date of this letter is 13.65% Salaried on date of this letter is 13.65%
ABHFL Reference Rate
(Prevailing Affordable - HL – Salaried will be (Prevailing Affordable - HL – Salaried will be
applicable) applicable)
Spread Spread on date of this letter is -2.15% Spread on date of this letter is -2.15%

Interest rate applicable to you Rate of interest is 11.50% (ABHFL Reference Rate of interest is 11.50% (ABHFL Reference
Rate + Spread) Rate + Spread)
Personal Use: Purchase / Construction / Personal Use: Purchase / Construction /
Purpose of Loan Renovation / Improvement of Residential Renovation / Improvement of Residential
Property/ Apartment Property/ Apartment
Foreclosure charges • Standard FC charges applicable as per Most Important Terms & Conditions (MITC).
Penal Charges • Penal Charges shall be applicable as per MITC
Equated Installment Date • 3rd of the next month from date of first disbursement
Sanction Letter Validity 60 days from the date of issuance, extension of the same is at the discretion of ABHFL
Aforesaid sanction of the Loan is subject to:

All internal assessments/ verifications carried out by ABHFL to be positive

Disbursal is subject to legal verification/ technical valuation of the underlying of
the property being positive as per ABHFL norms.
Any Letter issued prior to this Sanction Letter stands null and void.
All internal assessments/ verifications carried out by ABHFL to be positive.
Search Charges incurred by ABHFL for Search Report of the property under
mortgage consideration, shall be payable by the Borrower to ABHFL.
Initial Fee to be clear before Sanction Letter Issue.
Original property papers vetting by ABHFL appointed lawyer to be satisfactory
Deposition of all original title / property documents by borrower with ABHFL
Loan agreement and disbursement kit along with sanction letter & MITC to be
signed by borrowers/ co- borrowers in presence of ABHFL employee.
Declaration from the customer for submitting updated OVD with current address
within three months of the date of sanction, wherever applicable.
OC proof from banking to be documented before
disbursement. Original ATS between seller and buyer
required.
Seller KYC and favoring to be documented (if applicable)
Seller should not be running loan against property. If yes, same need to close
upfront (if applicable)
Furniture & fixture / Amenities should not exceed 100% of Sale Deed /
Agreement Value, if required.
PAN card of the contractor to be collected in cases wherein payment is going to
the contractor towards amenities / F&F Agreement.
Sanction Conditions Registry will be executed in name of co applicant or applicant/ co applicant.
Society Patta condition to be complied. (If Applicable)
PSL Declaration to be collected by customer for 1st dwelling unit per family
(Home Loan cases) (If Applicable)
Property Insurance, Life Insurance Cover to be taken. (If
Applicable) PMAY Declaration to be on record (If Applicable)
PMAY Ineligibility Declaration to be taken. (If Applicable).
BT Guidelines to be adhered.
Latest LOD & FC to be taken.
Over and above / Downsizing Letter to be taken (if any)
Initially the BT amount to be released. Top-up to be released after getting property
papers from BT bank.
Repayment to be taken from applicant Account Ending ****
4039 Latest Pay Slip and Credit Salary banking required.
HL running for Rs 24.46 Lacs and Rs 1.51 Lacs to be BT by ABHFL.
PL for Rs 12.75 Lacs to be closed from Top Up Lan.
2 years Form 16 to be documented
Both Lan to be Cross Linked.
Updated Banking till date to be
documented. Applicant clear Adhar Card
require
Co-Applicant Address proof require
We are release BT amount from first lane and BT insurance disbursal from second
lane
IMD fee confirmation pending
Maximum Top-up release from LAP lane of Rs.899000/- with 75% LTV
deviation in LAP.
Please sign and return this letter as a token of your acceptance of the terms & conditions, various charges, fees and premiums mentioned above
and overleaf and give us a signed copy of the letter:

For Aditya Birla Housing Finance Limited

Authorized Signatories

Please feel free to contact us on our Customer help line 1800-270-7000 for any clarification or assistance. We look forward to a long lasting
relationship with you.
Acceptance:

I/ We hereby accept all the terms and conditions mentioned above and overleaf

Borrower Signature Co-Borrower(s) Signatures

Terms and Conditions
This sanction is subject to execution of transaction documents including but not limited to Agreement, as may be required by Aditya Birla
Housing Finance Ltd. (“ABHFL").
The Loan mentioned overleaf will be available at ABHFL’s discretion and subject to compliance of all formalities and documentation as may
be specified/required by ABHFL.
ABHFL may revoke the sanction of the Loan at its discretion along with a reason for the same.
The borrower/s will create an Equitable Mortgage/ Registered Mortgage/Memorandum of Entry/Notice of Intimation/Memorandum of Deposit
of Title Deed of the property as may be stipulated by ABHFL at its discretion.
The term “borrower/s” shall also include co-borrower/s wherever applicable, except where the context implies otherwise.
"PEMI”or“Pre Equated Monthly Instalments” shall mean the monthly instalment(s) payable by the Borrower after 1st disbursement till such
period as ABHFL at its sole discretion may not disburse at any time, any amount under the Loan, unless the conditions stipulated in this Letter
or loan agreement or through any other mode of communication(s) are complied with by the Borrower(s).
In case of under construction property, you may choose to Pay Interest Only (PEMI) on the disbursed amount during construction period
which is allowed for maximum period of 36 months or as decided by ABHFL or Pay EMI from the first disbursal itself.
ABHFL shall have a right to cancel the entire Loan or any undrawn portion of the Loan at any time after issuance of this Letter, under
intimation to the Borrower(s), for violation of any terms and conditions of the loan including the creditworthiness of the Borrower (s).
The borrower shall immediately notify ABHFL any event of change in his / her repayment capacity which shall include but not limited to a
loss / change of job / profession etc. or any change in the formation stated in the application form.
ABHFL under intimation to the borrower, at its sole discretion may not disburse at any time, any amount under the Loan, unless the conditions
stipulated in this Letter or loan agreement or through any other mode of communication(s) are complied with by the Borrower(s).
For EMI or PEMI Repayment through National Automated Clearing House (NACH), you are required to submit NACH mandate.
Additionally, you are required to submit 6 (Six) PDCs.On the instalment due date, ABHFL will automatically debit your designated repayment
account for EMI or PEMI, or will present your PDCs.
Any fees and charges mentioned in the Sanction Letter and the rates applicable on the date of issue of the Sanction Letter are subject to change
from time to time at ABHFL’s discretion. Any changes in charges in the MITC and ABHFL reference rate will be published on ABHFL’s
website https://homefinance.adityabirlacapital.com/ Changes in the benchmark rates / charges would be prospective in effect and intimation of
such changes would be duly communicated to the customers through acceptable modes of communication channels such as SMS / email /
WhatsApp / letters, etc.
Please also refer our website https://homefinance.adityabirlacapital.com/ and FAQ section on the website for an illustrative impact of change in
interest rates / benchmark rates or leading to changes in EMI or tenor or both. Please refer to the MITC placed on our website for switch
charges applicable to your loan. In case of pre-payment or foreclosure of loan, charges will be applicable as per the schedule of charges in
MITC.
If you do not pay or there are delays in paying any EMI, ABHFL will have a right to report the non-payment to various credit bureaus. This
may have an adverse effect on your credit rating and affect your ability to obtain credit from other Lenders.
If an "Event of Default" (as defined in the Loan Agreement) happens, you will be obligated to pay Penal Charges as prescribed in the MITC
and the Loan Agreement
In case of non-compliance of Sanction Conditions,ABHFL is entitled to increase the Interest Rate at its sole discretion based on the risk
assessment and the same will be communicated to the Borrower in writing.
For loans sanctioned for under-construction or self-construction of your property, the loan may be disbursed in stages or completely as per
disbursement plan approved for your loan.
Borrower shall procure prior written consent of ABHFL before renting out the mortgaged property/ies or any part thereof or before making any
structural alterations in the mortgaged property/ies.
In case the property is an under-construction property, ABHFL has a right to instruct the builder of such under-construction property to not to
handover possession of the said property or any part thereof to the Borrower till all dues of ABHFL are paid in full by the Borrower to
ABHFL. ABHFL may recall the entire loan if construction is delayed / deviated from plan due to any reason whatsoever.
Borrower must keep ABHFL informed of any changes in schedule of construction or payments to the builder as well as registration of property
/ submission of the documents with ABHFL post registration of the property where ever applicable.
If a non-individual borrower has an aggregate exposure of 5 crore and above from banks and financial institutions, then that borrower shall
be required to obtain Legal Entity Identifier (LEI) code at the time of sanction. Borrowers who fail to obtain the LEI codes from an authorized
Local Operating Unit (LOU) within the timelines specified by RBI as per different exposure brackets shall not be sanctioned any new exposure
nor shall they be granted renewal/enhancement of any existing exposure.
On foreclosure of the aforesaid loan account, you or any person claiming to be your legal heir/ Co-Owner/Co-Borrower (in your absence)as
per his / her preference, may collect the collateral documents from the home branch within 30 days of full repayment / settlement of the loan
account. If you wish to collect the documents from any other active ABHFL branch, please inform us of your preferred branch location by
calling us on 1800-270-7000 or write to us on care.housingfinance@adityabirlacapital.com. The List of active branches is available on our
website
Please refer the Fair Practices Code and Policy adopted by ABHFL for determination of Interest Rates, Processing and Other charges placed
on ABHFL's website https://homefinance.adityabirlacapital.com/
The Sanction Letter, Application Form, MITC, Loan Agreement and any other related document shall be read in conjunction and not in
derogation. In case of inconsistency of terms in the aforesaid documents, opinion of ABHFL shall be binding on the Borrower(s) including co-
borrowers and authorised signatories.
Interest Rate Type
Floating Interest Rate- If the interest rate applicable to your loan is Floating Interest Rate as provided for in this Sanction Letter then ABHFL
may review and modify/change the Applicable Interest Rate on your loan on a periodic basis as decided in discretion of ABHFL.
Interest rate calculation-Interest on loan amount will be calculated at the then prevailing Interest Rate (ABHFL Reference Rate + Spread) per
annum on daily reducing balance basis with monthly resets.
The Borrower will consult/has consulted his tax advisors about taxation matters both direct and indirect related to this sanction and ABHFL
gives no representation as to any taxation issue.The Borrower will not hold ABHFL responsible for any tax benefit that the Borrower believed
he
/she/they is/are entitled to but is later on denied the same by the tax authorities.
Any GST as applicable on the Charges as per schedule shall be payable by the Borrower. Goods and Services Tax (GST) shall include the
Central Goods and Service Tax (CGST) and the State Goods and Service Tax (SGST), Integrated Goods and Service Tax (IGST) and any
other taxes levied under GST related legislation in India.

Borrower's Signature Co-Borrower's Signature