WJANA SMALL FINANCE BANK

ASCHEDULED COMMERCIAL BANK

LOAN SANCTION LETTER

Sanction date: 26/03/2025

Letter Generation date: 26/03/2025

To,
KAPADIYA LINABEN RAJESHBHAI,

KAPADIYA ROHAN RAJESHBHA

NA

Sindhoi krupa mayur nagar, Street No 05 behind rajmoti Mill, Bhavnagar road, RAJKOT, GUJARAT- 360003

Dear
Sir/Madam,

Please refer to your Application No. 105140000001303 for availing the Housing Loan 942 ("Facility") from us.

We are pleased to inform you that in furtherance to the above application, we have in-principle sanctioned you a Facility
of such nature, up to such amount, as detailed hereinafter in the Annexure-l, subject to certain terms and conditions.

Kindly send us an accepted and duly signed/stamped copy of this Sanction Letter to indicate your acceptance of the same
and to enable us to proceed with the documentation thereafter.

This sanction will be valid for a period of 60 days from the sanction date stipulated above, provided processing fees are
paid in full within the deadline stipulated by the Bank. Completion of documentation is necessary for us to move to
disbursement thereafter, subject to conditions.

We look forward to our continued business relationship.

Yours Sincerely,

Jana Small Finance Bank Limited

 SCHEDULE- I

(Commercial Terms)

Particulars of the Facility Housing Loan 942

KAPADIYA LINABEN RAJESHBHAI

TRIVENI SOCIETY STREET NO 2,

SANT KABIR ROAD,
Name and Address of the Borrower(s) Near TriveniGate Rajkot,
RAJKOT,
GUJARAT,
360003.
KAPADIYA ROHAN RAJESHBHAI

TRIVENI NAGAR STREET NO 2,

Name and Address of the Co-Borrower(s)
SANT KABIR ROAD,
Nr TriveniGate Rajkot,
RAJKOT,
GUJARAT,
360003.
Name and Address of the Guarantor(s) NA
Branch Name Rajkot BB-4522
Type of Facility

Housing Loan

Facility Amount INR 1300000/

Purpose

Home Purchase
Detailed End Use description:
Tenure
Rome
180 months
anchuse

Rate of Interest

Interest shallbe charged at 12.5 %p.a. (fixed rate-for a periodof 39

months)

Total Fixed Tenure is 39 months. After completion of the fixed tenor, the
applicable rate of interest shall be TBLR (6 months T-Bill rate 6.6 %for
March 2025 + Margin Spread 5.9% p.a.)

[Hybrid interest rate]

Post completion of 39 months, you'l be given an option to switch the

rate type from floating to fixed rate loan. This option can be exercised
ewice during the tenure of your loan as per the Bank's policy. Please note
that there willbe no additional charges for switching the loan rate type.
 However the revised fixed rate will be communicated basis the prevailing
fixed rate at the time of switching.

Please note that, under floating rate, there might be an increase or

decrease in rate of interest by +/- 4% and subsequently in case of arate
increase, the resultant EMIshall increase upto ~30%.

Reset Frequency on floating rate Quarterly during the Floating interest rate tenure of the loan.

EMI Rs. 16023 /

Mode of communication of changes in interest Email/ Letter/ Bank's website
rates

=Rs.30680, shall bel

An upfront processing fee of Rs.26000 + Rs.4680
chargeable on the total exposure.

Processing Fees The processing fee is payable in full upon acceptance of this sanction
letter and is non-refundable (including in case the Facility is not drawn
down for any reason whatsoever).
Log In Fees 1500/- +GST 18% 270)Total =INR 1770/
Rs.l18 /

CERSAIRegistration Charges Rs. 50 + GST (For Loan Amount upto Rs. 5 lakhs)
Rs. 100 + GST (For Loan Amount greater than Rs. 5 lakhs)
a. Credit Information Company verification - Rs. 472/-Charges
inclusive of Goods and Service Tax
Other Charges (Applicable for Non-Individuals) b. ROCCharge Creation Charges inclusive of Goods and Service Tax
Rs 3000/

Penal charges at the rate of 2% per month + applicable GST (On the
Penal Charges overdue amount) shall be payable by the Borrowers on occurrence of any
levent of default.
nstrument Return Charges Rs. 900 + applicable GST
Charges on low churning (Applicable for NA
Overdraft Facility only)
Part payment Conditionsand Charges I. For Individual -Part payment of up to 25% of the outstanding
principal amount will be allowed in each block of 1year consisting
of period between EMI 1- 12, EMI 13-24, EMI 25-36 and so on
without any charges. Any prepayment in excess of 25% willattract
a pre-payment charges,
II. For Non Individual -Part payment of up to 20% of the outstanding
principal amount will be allowed in each block of 1year consisting
of period between EMI 1- 12, EMI13-24, EMI 25-36 and so on
with 2.5% as part payment charges. Any prepayment in excess of
20% will attract additional pre-payment charges.
III. Any prepayment in excess as mentioned above will attract
prepayment penalty as below:

a. 2% calculated on the excess amount for Home Loan plus taxes as

applicable.
b. For individual -4% calculated on the excess amount for non-Home
Loan plus taxes as applicable.
 SCr lle

c. For non-individual - 5% calculated on the excess amount for non

Home Loan plus taxes as applicable. Sert

2. Part payment charges are only applicable for fixed rate of interest!
In case, of a non-individual being borrower/co-borrower, part
payment charges willbe applicable for both HL &non-HL under
both floating and fixed rate.

Unless otherwise stated by the Bank hereinafter:

i. For Individual - Home Loan with floating ROI- NIL foreclosure
charges
ii. For Individual - Home Loan with fixed RO|-2% + applicable taxes
Fullpre-payment/foreclosure charges on loan foreclosure charges
outstanding amount Including arrears iii. For Individual - Non Home Loan - 4% + applicable taxes
foreclosure charges
iv. For Non-Individual -Home Loan - 5% + applicable taxes
foreclosure charges
V. For Non-Individual -Non Home Loan -5% + applicable taxes
foreclosure charges
Insurance Opted (Y/N) As per the interest expressed by the Borrower(s) for seeking insurance
COver:

The premium amount of the Insurance product/ covers are included in

the sanction loan amount and details of which are as under:

1. Collateral Insurance:

If opted, flat coverage until sum assured; period for 120 months:
premium INR 8392-*
Tos3
The Borrower shall obtain and maintain
comprehensive insurance cover
for the security/ property charged to the Bank with the Bank endorsed
as loss payee' and submit proof of the same

2. Life Insurance:

If opted, reducing insurance cover for the loan principal outstanding

amount; period for 60 months; premium INR 30357/-*
Life insurance on the loan, shall be considered to be in force only if the
Borrower has received the policy from the insurance company. Borrower
is advised to connect with the insurance company in case of
non-receipt
of the policy within 60 days of date of disbursement.

3. Health Insurance:

If opted, period for 12 Months; premium INR 4480/*

 It is clarified that the Borrower(s) may opt for any one or all
Insurancel
cOver as aforesaid through the above insurance or any other insurance
underwriters as available in the open market at their sole discretion.
The sanction shall stand revoked and cancelled if:

I. There is any material adverse change in the opinion of the Bank on

the basis of which the loan has in principle, been sanctioned.
II. Any material fact concerning the Borrower, including his income,
employment or ability to repay, or any other relevant aspect of
Limit Cancellation clause the proposal for the loan is suppressed, concealed or not made
known to the Bank.
III. Any statement made in the application or otherwise is found to bel
misleading, incorrect or untrue.
V. Unsatisfactory track record in respect of any other finance facility
avaiied by the Borrower/s.

The Facility will be secured byway of:

Property situated at RS no 180P TPS no &FP no198 CS no 0010302

Chalta no 302p Plot no 11, New Gandhi Smruti Society SRS Triveni
Security (Movable/ Immovabie) |Society, STreet no 2Sheet no 001 Rajkot, Rajkot, RAJKOT, GUJARAT,
RAJKOT, 360003

The BORROWER shallensure creation and perfection of security,

including but not limited to equitable/registered mortgage of property,
in favour of and to the satisfaction of the Bank.
Timeline of Handing Over of Security Within 30 days of the closure of loan facility(ies) linked to the property
Documents mortgaged.
|Placeof Handing Over of Security Documents o Jana Small Finance Bank, The Fairway Business Park, #10/1, 11/2
&12/2B Off Domlur, Koramangala Inner Ring Road, Next to EGL,
Challaghatta, Bengaluru- 560071
o Rajkot BB-4522

Validity of acceptance This sanction letter is required to be accepted by the Borrower within 30|
days from the date of its issue.

*insurance disclaimer: Insurance is a subject matter of solicitation and underwritten by the insurance company, subject to
terms and conditions of the applicable policy. Borrowers are responsible for satisfying the terms and conditions within the
stipulated time, failure of the same may lead to non-issuance of the policy. In case of non-issuance of policy, the liability of
the Facility willremain with the Borrower and Co-borrower and no claim wilbe entertained by the insurance company.
The Bank shall not be held responsible for such non-issuance of policy.

The aforesaidsanction of the Facilityshall be subjectto compliance of below sanction conditions:

1. * Residence FI has been initiated and verification report of same to be positive * Business FI has been
initiated and verification report of same to be positive *Collateral FI verification report to be positive
2. *Subject to Positive Legal and technical reports *Present address proof declaration to be documented
3. *LTV to be restricted at 90% of market value *Borrower/ Co-borrower to sign dual DOBName
declaration in CIS form if required

4. *Seller/Bilder kyc and payment favoring details to be documented *Own contribution receipt along with
the bank statement showing the payment made by borrower to the seller/builder to be submitted
5.* MODTD MOE/EM/NOIRM tobe executed in name of JSFB as per legal requirement. * Digital aadhar
to be collected in case of negative KYC *Login fee and Legal fee to be clear before DB and its from
applicant account or ZH approval to be taken
cAalo
 General Terms and conditions:

1.The validity of this Sanction Letter and disbursement of the Facility would depend on nature of the property with
clear and marketable title as per the Bank's collateral policy norms and compliance cf such terms and conditions as
stipulated by the Bank from time to time.
2. The Faclity is subject to the sanctioned terms and conditions (subject to change as per RBldirectives / bank policies
from time to time) set out herein or as may be changed from time to time without prior notice at the sole discretion
of the Bank.
3. This Sanction Letter should not be understood as creating ay binding commitment from the Bank to provide the
Facility until and unless the Borrower, Co-Borrower and Guarantor as applicable, have executed and submitted the
application form and facility agreement/ documents as required in a form and manner of the Bank for
facility. availing
4. The Borrower/Co-Borrower shall submit required SI mandate/NACH/Cheques for repayment of Facility as
repayment schedule. per the
5. From the date of first disbursement, the Borrower shall be required to pay Pre-EMI interest (at the Interest Rate
applicable to the Facility) till the time the Facility is fully disbursed, subsequent to which your EMI payments will
begin.
6. The Bank shall be entitled to revise the
applicable rate of interest from time to time, at its sole discretion, as per the
money market conditions, its internal policies,
defined in the Facility Agreement occurs. Further, guidelines/directives issued by RBI or in case any Event of Default as
in the event of deterioration in the credit
Borrower/Co-Borrower, the Bank shallbe entitled to revise the existing rate of worthiness of the
to the Borrower/Co-Borrower. The interest by intimating the revised rate
tochange in EMI or change in tenureBorrower/Co-Borrower
or both.
understands that any change in Rate of interest may lead
7. Allstatutory levies or taxes applicable from time to
time will have to be borne by the
8. The Bank is entitled to gather
information's such as financial details, turnover details, Borrower/Co-Borrower.
shareholding pattern, any
change in constituency and other information as and when
9. To the extent applicable, the Borrower
required from the borrower.
understands that the Facility
assumption that the cost of dwelling unit constructed or to be purchasedamount will be
has been fixed, inter alia on the
as estimated in the application. In
the event of the cost actually incurred being less, the Bank
10. In the event of any change in the Borrower's reserves the right to suitably reduce the Facility Amount.
repayment
Bank. Without limitation, this includes, any loss or changecapacity,
the Borrowers are obligated to promptly notify the
in job/profession and any modifications to the
provided in the application for the Facility. information
11. The processing fees paid by the Borrower is non-
refundable. In the event of any non-compliance of legal and
technical formalities required by the Bank, all the fees paid to the Banks shall be non- refundable.
12. In case of Resale /NRP cases where property is occupied by
disbursement. Seller/Tenant, Property must be vacated before the
13. Unless otherwise agreed to or decided by the Bank, any
be appropriated towards the outstanding amounts in the
payment received by the Bank in relation to the Facility shall
following order iz: ()
monies and interest thereon; (i) Penal Charges, if any; (ii) Interest payable in Cost, charges, expenses and other
and/or (iv) Repayment of instalment of principal amount of the Facility under the terms of the Facility Documents;
Facility Documents.
Acceptance of this Sanction Letter is a confirmation that, the
as mentioned herein. Borrower/Co-Borrower has read and understóod the contents
14. The Borrower agrees and authorizes the Bank to
disclose, from time to time, any information and data relating to
the Borrower (including personal sensitive data or information and any
the Information Technology Act, 2008 and/or any other statute) information that requires a consent under
the Borrower and/or the 'financial information' as defined in and/or the Facility and/or other facilities availed by
Section 3(13) of IBC, in or outside India without
requirement of any notice or intimation to (a) any credit bureau, database/databanks, companies, banks, financial
institutions etc.,
(b) to any credit information company, other agencies or any
information utility or
including who may also use, process the said information and data disclosed by the other lenders of the Borrowers
fit bythem, and who may for consideration or otherwise furnish such Bank in the manner as deemed
processed information and data or products
thereof prepared by them, to banks/financial institutions and other credit guarantors or
specified by the RBI; registered users, as may be

15. The Bank reserves the right to stipulate any additional conditions at its sole
the above sanctioned amount.
discretion, prior to the disbursement of
16. The Borrower hereby agrees that this letter may be signed digitally by way of
electronic signature which shall be
considered an original signature for all purposes and shall have the same effect and force as ink signature. The

Reig
 executed.
Borrower shall not challenge the validity of this letter on the ground that the same has been electronically
in the latest document executed
17. In case of any conflict between any of the Facility Documents, the terms stipulated
between the Parties shallprevail.
in this regard, the Borrower shall confirm to
18. In line with the regulations stipulated by the Reserve Bank of India
accordance with the end-use as stated in the
the Bank that the proceeds of the Facility have been used in
confirmation given by the Borrower about the
Sanction Letter, within 60 days from the disbursal date. The
the applicable reasonable evidence such as a)
actual end-use of the Facility amount shall be supported by
equipment, raw-material, finished goods, services etc. b)
invoices or bank statements recording the purchase of works/irnproveinent works done on the property or
photographs of works completed e.g. reíurbishment/repair
through the Facility amount. In case the Borrower fails
equipment c) closure confirmation on the loans closed Facility or erroneous
120 days from the date of disbursal of
to furnish the evidence as aforesaid within
liberty to take appropriate legal actíon that may
confirmation is proided by the Borrower, the Bank shall be atin the applicabie Rate of interest or even criminal
withholding of further disbursals, increase
lead to, inter alia,
action. borrower(s)' premises to confirm
addition, the bank may, at its sole discretion, send its representative to visit
19. In
from the date of disbursal.
the usage of loan funds within 120 days the Borrower shall ensure
for purchase of vacant land/plot and construction thereon,
20. If the Facility is availed the date of disbursement of
construction work on the vacant/plot commences within 6 months from completed within 24
that the
Bank. Further, the Borrower shall ensure the construction work is
the Facility by the with the said
of disbursement of the Facility. In case the Borrower fails to comply
months from the date liberty to take such
shall be construed as an Event of Default and the Bank shal! be at
stipulation, the same Amount along with interest,
may deem fit including but not limited to recalling the entire Facility
action as it
charges and costs if any. Accounts, shall be released
the lien on fixed deposit maintained with the Bank for DSR
21. To the extent applicable, provided that the Borrower
the time period stipulated herein, at the sole discretion of the Bank,
on expiry of commiting any default.
has regularly re-paid the Facility without
Bank's other services are required,
information regarding the Facility or any of the
In case any further clarifications or Branch: Rajkot BB-4522.
please feel free to contact the Bank at

Limited
Jana Small Finance Bank

and conditions.
I/We acceFthe abQve terms

Accer

KAPADIYA LINABEN RAJESHBHAI

Borrower(s)
ROHAN RAJESHBHAI
Co- Borrower(s) KAPADIYA

Guarantor(s)