SANCTION LETTER

Date : 14-10-2024

Loan Application No. 36008246663388

Date 14-10-2024

Applicant Name, Address & Mobile Number:

E Mail ID

Subject Your application for from Manappuram Finance Limited

Dear Sir/Madam,

We thank you for choosing Manappuram Finance Limited (MAFIL) as your financial partner and look forward to an
enduring relationship with you.

With reference to your loan application we are pleased to offer you an In- principle sanction for a loan of Rs.
211707/- (Rupees Two Lakh Eleven Thousand Seven Hundred and Seven )as per the below mentioned terms and conditions.

Loan Type

Purpose of Loan

Amount sanctioned/limit 211707/- (Rupees Two Lakh Eleven Thousand Seven

Hundred and Seven )

Loan Tenure 36 months

Interest Type Diminishing Balance

Annualized Rate of Interest 24 % p.a

Insurance Insurance Amount: Rs 1707/-( Rupees One Thousand

Seven Hundred and Seven )

Broken Interest Depending on the date of disbursement Broken period

interest will be deducted from the disbursement amount.

Periodicity of Interest Application Monthly

Applicant Signature Co Applicant(s) Signature

Security Property The Property is situated at
1) Nadergul Village,Balapur
Mandal,Badangapet,Rangareddy Distic Telangana,
Pin-501510 501510
SyNo. : NILL

LAND AREA : 799.92 Sq.ft

Boundaries:
EAST : PLOT NO. 411
WEST : PLOT NO. 413
NORTH : PLOT NO. 487
SOUTH : PLOT NO. 412 SOUTH WEST PART , P.NO.
412 MIDDILE PART (6' COMMON PASSAGE), &
PLOT NO.412 SOUTH EAST PART

Mode of charging the Security Equitable mortgage/Registered mortagage by deposit of

title deeds in favour of MAFIL.

Sanction Letter Validity Up to 30 Days from the date of sanction

Equated Monthly Installment (EMI) Rs.8306 /-

Advance EMI

Total Processing Fees @ 2.5 % of loan amount (plus GST) Rs.5292.68 /-plus GST (Rs 952.68/-)

Penal Charges In case of delay in payment of Monthly Installment, the

Lender shall charge Penal Charges @ 1.5% per month on
an amount of Monthly Installment outstanding as on that
date.

Part Prepayment At the request of the borrower, MAFIL may accept part
payment of the loan up to 25% of the Loan amount in a
loan repayment year. Part payment in excess of this limit
will be subject to Pre-Payment charge of 3% of the
Prepayment amount prepaid.It is further agreed, between the parties
that the borrower should have paid at least 3 EMIs prior
to making part payment of the said loan. Based on part
payment made by the borrower, as stated above either the
tenor of loan will be reduced to the extent of part
payment made or EMI amount will be reduced to the
extent of part payment made or EMI amount will be
reduced by keeping the tenor of loan as it is with the
mutual consent of the parties.
Full Payment At the request of the borrower(s), MAFIL may permit
foreclosure of the loan by accepting 3% of the Loan
Amount outstanding as foreclosure charges plus
applicable taxes. However, it is agreed, between the
parties, that the borrower should have paid at least 3
EMIs prior to foreclosure of the said loan.

Property Address 1) HARIKA DEVI

Nadergul Village,Balapur
Mandal,Badangapet,Rangareddy Distic Telangana,
Pin-501510 501510

Applicant Signature Co Applicant(s) Signature

 SyNo. : NILL

LAND AREA : 799.92 Sq.ft

Boundaries:
EAST : PLOT NO. 411
WEST : PLOT NO. 413
NORTH : PLOT NO. 487
SOUTH : PLOT NO. 412 SOUTH WEST PART , P.NO.
412 MIDDILE PART (6' COMMON PASSAGE), &
PLOT NO.412 SOUTH EAST PART

Sanction Condition nill

The aforesaid sanction of the loan will be subject to:

1) Repayment to be through NACH/ PDC

2) Submission of all documents as prescribed by the company.

3) The loan amount is to be used only for the purpose mentioned above

4) The insurance premium shall be deducted from the loan amount.

Other Terms and Conditions:

1. MAFIL reserves right to amend any of the terms and conditions or cancel or recall or accelerate the loan facility as per the
terms & conditions more particularly stated in Loan Agreement.

2. All the terms and conditions mentioned in this letter are subject to the execution of the Loan agreement and other
documents and writings as MAFIL may specify in its prescribed format.

3. Prepayment terms to be changed in accordance with the Schedule of the Loan Agreement.

4. Any and all applicable stamp duty for the execution/enforceability of a document shall be borne by the applicant(s).

5. Pre-EMI interest as applicable will be chargeable from the applicant(s).

6. The offer may be kept open at the sole discretion of MAFIL after 30 days from the date hereof subject to such terms and
conditions as MAFIL may specify in its sole discretion.

7. This letter is being sent in duplicate. Please sign this letter as a token of your acceptance of the terms and conditions
mentioned on all pages and give us signed copies of this letter.

8. Bounce charges in case of any EMI/other dues bounced is Rs.500/- for the first instance, Rs.750/- for the 2nd instance and
Rs.1000/- for every subsequent instance of bounce. Penal charges will be charged @1.5% Per Month on overdue amount
for actual days of due.

9. The aforesaid sanction of the loan facility will be advanced depending on the term of the facility type of property/ legal
and technical valuation clearance on the property received by MAFIL.

10. Equitable mortgage by deposit of title deeds in favour of MAFIL.

11. The charges for Legal Scrutiny Report, Vetting report, Valuation Report, etc. shall be borne by the applicant(s) and the

Applicant Signature Co Applicant(s) Signature

 same is payable before disbursement of loan. If the loan is rejected due to any issues highlighted in the Legal Scrutiny
Report or a lower valuation or if the customer rejects the loan amount after valuation and/or Legal Scrutiny Report the
amount collected from the customer shall not be refunded.

12. This letter of offer shall stand revoked and cancelled and shall be absolutely null and void when:

(a) there are any material changes in the proposal for which this loan facility is,in principle, sanctioned;

(b) any material fact concerning your income, or ability to repay, or any other relevant aspect of your proposal on
your application for loan is suppressed,concealed or not made known to us;

(c) any Statement made in the loan application is found to be incorrect or untrue;

(d) the processing fee has not been received by MAFIL within 30 days of the date of this letter. In case of any
request for transfer of the borrowal account , the consent or otherwise shall be communicated to the borrower
within 21 days. However the same shall be subject to contractual terms and in consonence with applicable law.

13. The rate of Interest shall be based on cost of borrowed funds, matching tenor, market liquidity, refinance
avenues,offerings by competition, tenor of customer relationship, cost of disbursement (cost of funds). In addition to
cost of fund, the rate of interest shall be further determined based on inherent credit and default risk in the products and
customer per se arising from customer segment, profile of the customers, professional qualification, stability in earning,
repayment ability, overall customer yield, risk premium, nature and value of primary and collateral securities (if any),
past repayment track records of the customers, external ratings of the customer, industry trends etc.

14. MAFIL shall, through its Branch release all the original property documents and remove charges registered with any
registry within a period of 30 days after full repayment/ settlement of the loan account.In case of delay in releasing the
said documents within the stipulated time frame, MAFIL shall communicate to the borrower via Registered notice for
the reasons for such delay. In case where the delay is attributable to MAFIL, the Company shall compensate the
borrower at the rate of Rs.5,000/- for each day of delay.
In case of loss/damage to original movable / immovable property documents, either in part or in full, MAFIL shall
assist the borrower in obtaining duplicate/certified copies of the movable / immovable property documents and shall
bear the associated costs, in addition to paying compensation as indicated in the above paragraph. However, in such
cases, an additional time of 30 days will be available to complete this procedure and the delayed period penalty will be
calculated thereafter.

We request you to please acknowledge and return the duplicate copy of this sanction terms as a token of having accepted
the terms and conditions mentioned above.

Your faithfully, Accepted,

For Manappuram Finance Limited. (Applicants and Co-applicant to sign below)

Authorized Signatory,

1. (Applicant)

Name : (57306)-VENKATESWARLU BOOTAM

Designation : Branch Manager / Head NGL

Department :

Date :.......................................

Applicant Signature Co Applicant(s) Signature

The Key Fact Statement is enclosed. We request you to please acknowledge and return the duplicate copy of this sanction
terms and Key Fact Statement as a token of having accepted the terms and conditions mentioned above.

Applicant Signature Co Applicant(s) Signature

 Office Copy

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan Application 36008246663388 Type of Loan

Number

2 Sanctioned Loan amount (in Rupees) Rs.211707

3 Disbursal schedule

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

(ii) If it is stage wise, mention the clause of loan
agreement having relevant details

4 Loan term (year/months/days) 36 Months

5 Instalment details

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

EMI 36 8306 16 Of Every Month

6 Interest rate (%) and type (fixed or floating or hybrid) 24 % Fixed

7 Additional Information in case of Floating rate of interest

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

B S EPI (Rs) No. of EPIs

NA NA NA NA NA NA NA NA

8 Fee/ Charges

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

One-time/ Amount (in Rs.) or One-time/ Amount (in Rs.) or

Recurring Percentage (%) as Recurring Percentage (%) as applicable
applicable

(i) Processing fees One-time Rs.5292.68

(ii) Applicable GST One-time Rs. 952.68

Applicant Signature Co Applicant(s) Signature

 (iii) Insurance charges One-time Rs.1707

(iv) Any other (please specify) Nil Nil Nil Nil

9 Annual Percentage Rate (APR) (%)

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

(i) Penal charges, if any, in case of delayed payment 1.5% per month on overdue amount for actual days of due

(ii) Other penal charges, if any SI / NACH dishonor charges:

Rs. 500 for the first instance, Rs. 750 for the 2nd instance
and Rs. 1,000 for every subsequent instance of bounce.

(iii) Foreclosure charges, if applicable For full pre-payment of the loan charges applicable would
be 3% of principal outstanding plus applicable taxes.

(iv) Charges for switching of loans from floating to fixed NA

rate and vice versa

(v) Any other charges (please specify) Nil

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery agents

The company may engage and appoint a recovery agent for the purpose of taking possession of the
Hypothecated/mortgaged Assets ('Recovery Agent'), the appointment and engagement of such Recovery Agent shall
be in accordance with the applicable law, including but not limited to guidelines issued by the Regulator from time to
time. Such recovery agents on the notice if any, issued by the Lender in its sole discretion deems fit, at the risk and
expenses of the Borrowers take charge, possession, seize, recover and handover the same to Company. They have the
right to enter into or upon the premises of the Asset(s) and inspect or calculate the value of the Asset(s) at the costs
and expenses of the Borrowers; they are also authorised to sell by public auction or private contractor tender,
dispatch or consign for realization or otherwise dispose of or take possession of or deal with the Asset(s) in the
manner that the Lender deems fit.

The Company shall use written communications, telephonic reminder(s), or visits by Agents/ staff/ Authorized
Representatives as measures for collection of dues on a regular basis. The Company shall not initiate any legal or
other recovery measures including security repossession without giving due notice in writing to the borrower. Where
the borrower has not received the notice due to non-availability/ refusal/ avoidance, the Agents/ staff shall carry copy
of notice and the authorization letter along with identity card issued by the Company/ Agency.

2 Clause of Loan agreement which details grievance redressal mechanism

Grievance Redressal Mechanism: Customers can forward their grievances/ complaints at the registered address/
branch address of the Company. The Company has grievance redressal mechanism within the organization to resolve
disputes with its customers. All grievances in respect of the Company's transactions in the market and in respect of
Fair Practice Code will be addressed to Head Customer Service Cell, Manappuram Finance Ltd, W-4/638A,
Manappuram House, P.O.Valapad,Thrissur,680 567,Kerala,India,who will be the nominated officer in respect of
compliance with said code. All such complaints will be addressed within a month. If the complaint/dispute is not
redressed within a period of one month, the customer may apply to 'The Ombudsman, Reserve Bank of India,
Bakery Jct Rd, Palayam, Thiruvanathapuram, Kerala 695 033.

Applicant Signature Co Applicant(s) Signature

3 Phone number and email id of the nodal grievance redressal Email ID:crm@manappuram.com,
officer Toll free no:1800 420 22 33

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

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

NA NA NA

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

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

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

(ii) Details of LSP acting as recovery agent and NA

authorized to approach the borrower

Note:- This KFS will have a validity period of 3 days

MAFIL Employee,

Name : (57306)-VENKATESWARLU BOOTAM 1. (Applicant)

Key Fact Statement-Acknowledgment

The details conveyed through the KFS was explained to me in vernacular language and the terms and conditions of the loan
are understood by me. I acknowledge receipt of the copy of Key Fact Statement.

Applicant Signature Co Applicant(s) Signature

 Computation of Annual Percentage Rate (APR)

Part 1 (Interest rate and fees/charges)

Si No Particulars Details

1 Sanctioned Loan amount (in Rupees) Rs.211707

2 Loan Term (in years/ months/ days) 36 Months

a No. of instalments for payment of principal, in case of -

none-equated periodic loans

b Type of EPI Monthly

Amount of each EPI (in Rupees) and 8306

nos. of EPIs 36

c No. of instalments for payment of capitalised interest, if any -

d Commencement of repayments, post sanction 30 days

3 Interest rate type (fixed or floating or hybrid) Fixed

4 Rate of Interest 24 %

5 Total Interest Amount to be charged during the entire tenor

of the loan as per the rate prevailing on sanction date (in
Rupees)

6 Fee/Charges payable(in Rupees) 7952.360000000001

a Payable to the RE 6245.360000000001

b Payable to third-party routed through RE 1707

7 Net disbursed amount (in Rupees) 203754.64

8 Total amount to be paid by the borrower (in Rupees)

9 Annual Percentage rate- Effective annualized interest rate (in

percentage)

10 Schedule of disbursement as per terms and conditions Detailed schedule to be provided

11 Due date of payment of instalment and interest

Applicant Signature Co Applicant(s) Signature

 Custmer Copy

Key Facts Statement

Part 1 (Interest rate and fees/charges)

1 Loan Application 36008246663388 Type of Loan

Number

2 Sanctioned Loan amount (in Rupees) Rs.211707

3 Disbursal schedule

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

(ii) If it is stage wise, mention the clause of loan
agreement having relevant details

4 Loan term (year/months/days) 36 Months

5 Instalment details

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

EMI 36 8306 16 Of Every Month

6 Interest rate (%) and type (fixed or floating or hybrid) 24 % Fixed

7 Additional Information in case of Floating rate of interest

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

B S EPI (Rs) No. of EPIs

NA NA NA NA NA NA NA NA

8 Fee/ Charges

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

One-time/ Amount (in Rs.) or One-time/ Amount (in Rs.) or

Recurring Percentage (%) as Recurring Percentage (%) as applicable
applicable

(i) Processing fees One-time Rs.5292.68

(ii) Applicable GST One-time Rs. 952.68

Applicant Signature Co Applicant(s) Signature

 (iii) Insurance charges One-time Rs.1707

(iv) Any other (please specify) Nil Nil Nil Nil

9 Annual Percentage Rate (APR) (%)

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

(i) Penal charges, if any, in case of delayed payment 1.5% per month on overdue amount for actual days of due

(ii) Other penal charges, if any SI / NACH dishonor charges:

Rs. 500 for the first instance, Rs. 750 for the 2nd instance
and Rs. 1,000 for every subsequent instance of bounce.

(iii) Foreclosure charges, if applicable For full pre-payment of the loan charges applicable would
be 3% of principal outstanding plus applicable taxes.

(iv) Charges for switching of loans from floating to fixed NA

rate and vice versa

(v) Any other charges (please specify) Nil

Part 2 (Other qualitative information)

1 Clause of Loan agreement relating to engagement of recovery agents

The company may engage and appoint a recovery agent for the purpose of taking possession of the
Hypothecated/mortgaged Assets ('Recovery Agent'), the appointment and engagement of such Recovery Agent shall
be in accordance with the applicable law, including but not limited to guidelines issued by the Regulator from time to
time. Such recovery agents on the notice if any, issued by the Lender in its sole discretion deems fit, at the risk and
expenses of the Borrowers take charge, possession, seize, recover and handover the same to Company. They have the
right to enter into or upon the premises of the Asset(s) and inspect or calculate the value of the Asset(s) at the costs
and expenses of the Borrowers; they are also authorised to sell by public auction or private contractor tender,
dispatch or consign for realization or otherwise dispose of or take possession of or deal with the Asset(s) in the
manner that the Lender deems fit.

The Company shall use written communications, telephonic reminder(s), or visits by Agents/ staff/ Authorized
Representatives as measures for collection of dues on a regular basis. The Company shall not initiate any legal or
other recovery measures including security repossession without giving due notice in writing to the borrower. Where
the borrower has not received the notice due to non-availability/ refusal/ avoidance, the Agents/ staff shall carry copy
of notice and the authorization letter along with identity card issued by the Company/ Agency.

2 Clause of Loan agreement which details grievance redressal mechanism

Grievance Redressal Mechanism: Customers can forward their grievances/ complaints at the registered address/
branch address of the Company. The Company has grievance redressal mechanism within the organization to resolve
disputes with its customers. All grievances in respect of the Company's transactions in the market and in respect of
Fair Practice Code will be addressed to Head Customer Service Cell, Manappuram Finance Ltd, W-4/638A,
Manappuram House, P.O.Valapad,Thrissur,680 567,Kerala,India,who will be the nominated officer in respect of
compliance with said code. All such complaints will be addressed within a month. If the complaint/dispute is not
redressed within a period of one month, the customer may apply to 'The Ombudsman, Reserve Bank of India,
Bakery Jct Rd, Palayam, Thiruvanathapuram, Kerala 695 033.

Applicant Signature Co Applicant(s) Signature

3 Phone number and email id of the nodal grievance redressal Email ID:crm@manappuram.com,
officer Toll free no:1800 420 22 33

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

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

NA NA NA

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

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

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

(ii) Details of LSP acting as recovery agent and NA

authorized to approach the borrower

Note:- This KFS will have a validity period of 3 days

MAFIL Employee,

Name : (57306)-VENKATESWARLU BOOTAM

Applicant Signature Co Applicant(s) Signature

 Computation of Annual Percentage Rate (APR)

Part 1 (Interest rate and fees/charges)

Si No Particulars Details

1 Sanctioned Loan amount (in Rupees) Rs.211707

2 Loan Term (in years/ months/ days) 36 Months

a No. of instalments for payment of principal, in case of -

none-equated periodic loans

b Type of EPI Monthly

Amount of each EPI (in Rupees) and 8306

nos. of EPIs 36

c No. of instalments for payment of capitalised interest, if any -

d Commencement of repayments, post sanction 30 days

3 Interest rate type (fixed or floating or hybrid) Fixed

4 Rate of Interest 24 %

5 Total Interest Amount to be charged during the entire tenor

of the loan as per the rate prevailing on sanction date (in
Rupees)

6 Fee/Charges payable(in Rupees) 7952.360000000001

a Payable to the RE 6245.360000000001

b Payable to third-party routed through RE 1707

7 Net disbursed amount (in Rupees) 203754.64

8 Total amount to be paid by the borrower (in Rupees)

9 Annual Percentage rate- Effective annualized interest rate (in

percentage)

10 Schedule of disbursement as per terms and conditions Detailed schedule to be provided

11 Due date of payment of instalment and interest

Applicant Signature Co Applicant(s) Signature