DA Print Date: November 23, 2021

I(“Applicant”) request you i.e. IDFC First Bank Limited to grant me a loan for the purchase of consumer durable (“Durable Loan”)
as follows:
Official E-mail: [email protected]
Personal E-mail: [email protected]
SFID No: 0368481189
Branch: DELHI
Sales Point Name: SARGAM IND ELEC PVT LTD ROHINI SEC 17
DELHI 110085
Sales Point Code: 15270
BDO SM Code:
BDO SM Name: SHIPRA SONI
593035
SO Name: NEENA DEVI SO Code: 66649
Disbursal Type: Physical File
Disbursal Declaration:
FINANCE REQUIREMENT
Manufacturer/Make: USHA Product Type: AIR PURIFIER
Model Name: VANILLA AIR PURIFIER Asset Cost: 10300
Loan Amount: 10299.00 Margin Money: 1 Scheme Name: DS_DEALER60MR
Opening POS: 10299.00
PERSONAL DETAILS
Name: MR. Anuj Singh
Gender: Male
Date of Birth: May 11, 1977 Marital Status: Married No.of Dependents :
Religion: HINDU
Loans to:
Others(Please specify)_____________________
Current Residential Address Line 1: E 1 207 ROHINI SECTOR 11
Address: Address Line 2: North West Delhi
Address Line 3:
Landmark: State:DELHI
City: NORTH WEST DELHI Pin: 110085
Residence Status:
Permanent Residential Address Line 1: E 1 207 ROHINI SECTOR 11
Address: Address Line 2: North West Delhi
Address Line 3:
Landmark: State:DELHI
City: NORTH WEST DELHI Pin: 110085
Residencial Status:
Telephone: STD code: No: Mobile: 8586851170
Alternate Mobile No.: Citizenship:
Country of birth: India Place of birth:
Country of residence as per tax laws:
Foreign TIN:
India
TIN Issuing Country:
Director Of Bank Yes No Director Of Other Bank Yes No
Relative To Bank Director Yes No Relative To Other Bank Director Yes No

Identification Document
PAN: Driving License No: Driving License Expiry Date:
Passport No: Passport Issue Date: Passport Expiry Date:
Voter Id: Aadhaar Card: XXXXXXXX3609
Corresponding ID No.: Corresponding ID Expiry:
Additional ID no.(if any):

OCCUPATION DETAILS
Type of Employment: Self Employed Designation: OTH Department:
Company name:
Company Address: Address Line 1:
Address Line 2:
Address Line 3:
Landmark: State:
City: Pin:

Telephone: STD code: No: Mobile: 8586851170

Gross Income: 650000
Note:

1. The Durable Loan and/ or offerings are at the sole discretion of IDFC First Bank Limited.
2. The Durable Loan is available without other offerings.

OSV
Details of the employee/Sales Officer doing the OSV:
Name: NEENA DEVI Id: 66649 OSV done Digitally:

--------------------------------------------------------------------------------------------------------------------------------------------
CKYC DETAILS
CKYC Number: Mother's Name:DIVAYANI DEVI
Father's Name:SP SINGH Spouse's Name:
REFERENCES

Name: DIPIKA K Relationship: PARENT

Telephone: STD code: No: Mobile: 9310124389
Email:

Name: MONIKA K Relationship: PARENT

Telephone: STD code: No: Mobile: 8588064119
Email:

*This document is digitally verified. No signature required.

 DECLARATION

I declare that all the particulars and information given in the Application Form are true, correct, complete and up-to-date in
all respects aspect and I have not withheld any information whatsoever. I conrm that no suit for recovery of outstanding
dues or monies whatsoever and/or criminal proceedings have been initiated and/or pending against the Applicant/s. I hereby
conrm that no action or any steps have been taken or legal proceedings started by or against the Applicant in any court of
law/other authorities for winding up, dissolution, administration or re-organization or for the appointment of a receiver,
administrator, administrative receiver, trustee or similar ofcer or for Applicant(s)' assets. I declare that I have not made any
payment in cash, bearer, cheque or kind along with or in connection with this Application except for the application fees
mentioned for or Processing fees or any other fees prescribed in the Application Form to the executive collecting my/our
application/and I/Applicant(s) shall not hold the Bank liable for any such payment made by us to the executive collecting
this application. I further declare and conrm that the credit facilities if any enjoyed by the Applicant(s) with other
banks/nancial institutions/non- banking nance companies has been disclosed hereinabove. I hereby conrm that I am/are
competent and fully authorized to give declaration, undertakings etc. and to execute and submit this Application Form and
all other documents on behalf of the Applicant(s) for the purpose of availing loan, creation of security and representing
generally for all the purposes mentioned/required to be done for these presents. I hereby agree to abide by and be bound by
all applicable rules/regulations/instruction/guidelines including but not limited to those issued by the Reserve Bank of India,
including the FEMA Regulations 2000 Governing EEFC Accounts, the Foreign Exchange Management Act, 1999 and
Foreign Account Tax Compliance Act, 2010 (to the extent applicable to India) and the Common Reporting Standards
(CRS), in force from time to time. I conrm having declared our status as per the rules applicable under section 285BA of the
Income Tax Act, 1961 (the Act) as notied by Central Board of Direct Taxes (CBDT) in this regard. I conrm that except to
the extent disclosed to the Bank, no director or a relative (as specied by RBI) of a director of a banking company (as specied
by RBI) or a relative of a senior ofcer of the Bank (as specied by RBI) is - the applicant(s), or a partner, managing agent,
manager, employee, director of our concern, or of our subsidiary or our holding company, or a guarantor on my/our behalf,
or holds substantial interest in our concern or my/our subsidiary or holding company. I/myself declare/conrm that the
current residence address mentioned/shared with IDFC FIRST Bank, in my Consumer Durable Loan application, is correct
and I/myself stay at the same address. I hereby submit voluntarily, at my/our own discretion, the physical copy of Aadhaar
card/physical e-Aadhaar / masked Aadhaar / ofine electronic Aadhaar xml as currently issued or in any other/additional
form made available, from time to time, by UIDAI (Aadhaar), to IDFC FIRST Bank for the purpose of establishing my
identity / address proof and voluntarily give my consent in connection with me availing the Financial Facility from IDFC
and processing instructions for the said purpose and hereby give consent to IDFC FIRST Bank for verication of my Aadhaar
to establish its genuineness through any such acceptable manner stipulated by UIDAI or under any Act or law from time to
time. I have also been explained that submission of this document is not mandatory. I have the option to submit any one of
the document(s) as per the list of Ofcially Valid Documents (updated by the RBI from time to time). The consent and
purpose of collecting Aadhaar has been explained to me in local language. IDFC FIRST Bank has informed me that I am
are required to redact/ blacken out the rst eight digits of Aadhaar number so that only last four digits of the Aadhaar number
are visible; and in case I do not redact/ blacken out the rst eight digits of Aadhaar number, I authorized IDFC FIRST Bank
to redact/blacken out the Aadhaar number through appropriate means on my behalf. IDFC FIRST Bank has also informed
me that this consent and my Aadhar will be stored with IDFC. I/myself declare/conrm that the current address
mentioned/shared with IDFC First Bank, in my Consumer Loan application, is correct and I/myself stay at the same
address.

I have been read out and explained in the language known to me, the contents of the loan documents and all other
documents incidental to availing the loan from IDFC FIRST Bank Ltd. And I have provided the consent for the said
document through an OTP validation. I hereby agree to abide by all the terms and conditions of the loan and the clauses of
the same.

AUTHORISATION

i. I hereby authorize IDFC FIRST Bank Limited (“the Bank”), to conduct credit checks, references, make enquiries, in its
sole discretion and also authorize the Bank and its agents to share and obtain information, records from any agencies,
statutory bodies, credit bureau, bank, nancial institutions, or any third party in respect of the application, as it may consider
necessary, the Bank shall not be liable for use/ sharing of the information

ii. I authorize IDFC First Bank and its representatives to communicate by way of E-mail, Call, SMS or WhatsApp or
through any other mode regarding my application, account activities, updates and offers from the Bank. This consent
overrides any registration for DNC / NDNC. I conrm that I am citizen and resident of India. Further, I understand that the
consent to receive calls / communications / offers shall be valid and shall prevail over my current or any subsequent
registration of mobile number for DNC / NDNC and shall continue to be treated as my consent/ acceptance.
iii. The Bank reserves the right to retain the photograph and documents submitted with the application and shall not returned
back.

iv. I authorize the Bank to submit application/other relevant documents submitted by me to CERSAI. I hereby provide my
consent to receive information from Central KYC Registry through SMS/mail on the above registered number/email
address.

v. I authorize the Bank to nance us/Borrower for the premium of any third-party product available with the Bank, taken by
Borrowers as per Borrower's own wish from the said third-party of Borrower's choice under the Loan and all the terms and
conditions shall be additionally applicable thereto. All expenses, charges, fees, taxes etc., as applicable on any such
third-party product shall be incurred and paid by the Borrower, however, in case borrower has availed such product, then
Bank will not be responsible for any cancellations of any third-party product and or after sales service.

TERMS & CONDITIONS (“T & C”) FOR EASY BUY CARD (“EBC”) OF IDFC First BANK LIMITED (“THE BANK”)

Easy Buy EMI Card

Below T & C shall be applicable to the Applicant for Easy Buy EMI card offer (Only applicable if EBC offer selected)

1. The non-refundable application fees for the Card is Rs.0.00/-. The Card will be issued to the Applicant in 45 days after
the payment of 4/6 successful EMI's.

2. Applicant can also access the Virtual Easy Buy EMI Card through our IDFC FIRST Bank Loans App https://idfcr.st /app

3. The limit mentioned to the Applicant is the limit at the time of application of the Card and subject to change at the Bank's
discretion.

4. If the Applicant loses the Card, the Applicant can apply for fresh card and the Bank will issue it on the Applicant's paying
application fees for fresh card.

5. Customer is responsible for submission of complete documents, as per the checklist in the form, for processing his / her
durable loan at the Bank, before delivery of product. He/ She has to ensure that documents reaches the Bank Operations
ofce.

6. The annual fee for Easy Buy EMI card is 99/-.

7. Customer can use this card to apply for future loans with IDFC FIRST Bank. This is not a credit card. Any future loans
taken using the Easy Buy EMI card, may require additional checks at bank's end.

Standard Conditions:
1. IDFC FIRST Bank constantly evaluates your credit score. Some of the parameters we check include: Performance of
your other loans, your repayment track record, discipline of payments, etc

2. Ensure that payment for your loans, with all lenders are always made on time, failing which your card may get blocked
EMI
1. A charge of 400/- will be levied against your account in case of EMI bouncing due to insufcient balance.

2. Customer to maintain sufcient balance in your bank account from which EMI is to be debited. The account should be
funded at least 1-2 working days before the EMI due date.

3. A second attempt to recover EMI will be made 2-3 working days after the rst presentation of every month. If sufcient
balance is not maintained, by this second attempt, a further bounce charge of 400/- will be levied.

4. Please also note that non-payment of EMI within the calendar month will result in a penal charge of 2% of the unpaid
EMI or 300/- whichever is higher. For any clarications of charges applicable to your account, refer Schedule of Charges.

*This document is digitally verified. No signature required.

 SANCTION LETTER

Loan reference No: Print Date : November 23, 2021

SFDC ID: 0368481189 DA Ready Date : November 21, 2021
MR. Anuj Singh ("Borrower")
Place : DELHI

We refer to your application for Durable Loan and are pleased to inform the sanction of loan as follows, subject to the terms and Conditions stated
overleaf:

USHA, MRAPVL,
Dealer's Name - SARGAM IND ELEC PVT
Product Details (Brand + Product + Model) VANILLA AIR
LTD ROHINI SEC 17 DELHI 110085
PURIFIER
Cost of Product (A) 10300.00 Tenure (Gross|Net) 6|6
Rate Of Interest 17.08 Down Payment of Asset as per scheme (M) 0.00
Margin Money (B) 1.00 Future Generali Extended Warranty down payment * (N) 0
10299.00
Loan Amount to Customer Credit Vidya down payment * (O) 0
ICICI Lombard GIC Ltd. Group Takecare Policy down
EBC Charges *(paid upfront) (D) 0.00 0
payment * (P)
Airtel Plan * (A1) 0.00 Airtel Plan DownPayment* (A2) 0.00
Add-On EBC Fee (ABF) 0
Customer Proc Fee * (paid upfront) (E) 0 Future Generali Mobile Insurance down payment * (Q) 0
Future Generali Machinery Breakdown * ( Paid
0 Chqbook Suraksha down payment * (R) 0
Upfront) (F)
Future Generali Extended Warranty *( Added to
0 Advance interest calculated on Bullet payment (AI) 0.00
Loan) (G)
Credit Vidya * (Added to Loan) (H) 0 Gross Loan Amount (T) 10300.00
ICICI Lombard GIC Ltd. Group Takecare Policy
0 Discount passed to customer (C) 0.00
* ( Added to Loan) (I)
VIL Plan * (V1) 0.00 VIL Plan DownPayment* (V2) 0.00
Airtel Plan * (A1) 0.00 Airtel Plan DownPayment* (A2) 0.00
Future Generali Mobile Insurance * (Added to
0 Opening POS (U) =(T-B-M-N-O-P-Q-R-C-W) 10299.00
Loan) (J)
Chqbook Suraksha * ( Added to Loan) (K) 0 No of Monthly EMIs 6
Chqbook Suraksha Proc Fee *(Paid upfront) (W) 0 EMI's for customer 1803.00
Other Charges *(Paid upfront) (OC) 49.00 Dealer Deductible Charge 0.0
Total Down Payment Amount from customer to dealer (S)
Total Cost to the customer (L) = (
10349 = 50.00
A+D+E+F+G+H+I+J+K+W+OC+ABF+V1+A1)
(B+D+E+F+M+N+O+P+Q+R+W+AI+OC+ABF+V2+A2)
Bullet Payment (Moratorium Amount) 0.00 Moratorium tenure 0.00

1st EMI Due Date 2/12/2021 5:30 am Mode of Repayment of Loan NACH/PDC/Direct Debit
Cancellation and 1000 or 5% of loan amount (Exclusive of EMI Bounce charges per
400 Exclusive of GST
Rebooking charges GST)- whichever is higher presentation
Part Payment charges Part Payment is not allowed Cheque Swap charges (per swap) 500 (Exclusive of GST)
Physical Repayment 5% of the balance principal outstanding
500 Exclusive of GST Foreclosure / Prepayment charges
Schedule Exclusive of GST
Document retrieval charges Duplicate No Objection Certificate
500 Exclusive of GST 500 Exclusive of GST
(per retrieval) Issuance Charges
Easy Buy Card
100 Exclusive of GST Physical Statement of Account 500 Exclusive of GST
Replacement Fee
EMI Pickup/ Collection
350 Exclusive of GST Stamping Charges As per Actuals
Charges
Easy Buy Card Annual Fee 99 Exclusive of GST
NOTE:

The aforesaid sanction of the loan will be subject to:

1. The aforesaid terms will be valid for a period of 45 days from date of this Sanction letter.
2. This Sanction letter should not be construed as giving rise to binding obligations on the part of the Bank to provide the loan mentioned overleaf (the “Facility”). The Facility
mentioned overleaf will be available solely at the Bank’s discretion.
3. In the event, the customer does not want to avail the loan after the receipt of the sanction letter, then the processing fees paid are not liable to be refunded under any
circumstances.
4. The Bank shall at its own discretion and upon Borrower’s request, also finance the Borrower for the premium of any third-party product available with the Bank, taken by
Borrowers as per Borrower’s own wish from the said third-party of Borrower’s choice under the Loan and all the terms and conditions shall be additionally applicable thereto.
5. All expenses, charges, fees, taxes etc., as applicable on any such third-party product shall be incurred and paid by the Borrower, however, in case borrower has availed such
product, then Bank will not be responsible for any cancellations of any third-party product and or after sales service.
6. T & C pertaining to Cash Back Offers from the Bank are available on the Bank’s Website; www.idfcfir.st/cdoffer
7. The Loan shall be utilized solely towards purchase of consumer durable products and shall not utilize the loan proceeds for any purpose which is in violation of applicable law.
8. Any other terms and conditions as stipulated by the Bank from time to time. In case of any dispute, please call on our customer service number on 18605009900.

* : All the amounts mentioned here are inclusive of GST

** : All the amounts mentioned here are exclusive of GST

I/We Authorize IDFC First Bank and its representatives to communicate by way of E-mail, Call, SMS or WhatsApp or through any other mode regarding my/our application, account
activities, updates and offers from the Bank. This consent overrides any registration for DNC / NDNC. I/We confirm that I am/We are citizen and resident of India. Further, I /We
understand that the consent to receive calls / communications / offers shall be valid and shall prevail over my/our current or any subsequent registration of mobile number for
DNC/NDNC and shall continue to be treated as my/our consent/ acceptance.
I / We have read the terms and conditions mentioned in this Sanction letter and accept the same.

*This document is digitally verified. No signature required.

 FORM 60

[See third provision to of Rule 114B]

Form of Declaration to be filled by the person who does not have either permanent acoount number of general
index Register Number and who makes payment in respect of transaction specified in clauses (c) to (f) of rule 114B
of the income Tax Act. 1962.

1. Full Name and Address of the declarant. Anuj Singh

E 1 207 ROHINI SECTOR 11 North West Delhi NORTH WEST DELHI, DELHI 110085 - Property Status:
Owned

2. Particulars of transaction
Account Type SAVINGS Number 38344948588

3. Amount of the transaction Rs. 1803.00

4. Are you assessed to tax? Yes/No

5. If yes,

i) Details of Ward/Circle/Range where the last return of income was filed

ii) Reason for not having permanent account number/ General Index Register Number

6. Details of Document being Produced in support of address in column (1)

Verification

I Anuj Singh do hereby declare that what is stated above is true to the best of my knowledge and belief.

Date:

Place: DELHI

..................................

Signature of the declarant

"Consent for this agreement no 0368481189 dated was electronically provided by Anuj Singh on 23/11/2021
07:30:41 AM GMT registered mobile number 8586851170 ."
Instructions: Documents which can be produced in support of the address are:
(a)Ration Card
(b) Passport
(c) driving License
(d) Identity card issued by any
institution
(e) Copy of Electricity bill or Telephone bill showing residential address.
(f) Any documnet of communication issued by authority of Central Government or local bodies showering
residential address.
(g) Any other documentary evidence in support of his address given in the declarartion

Note: Amendment with effect from 1st November, 1998 as per Income Tax Act, 1962 Rule 114 B: para (c) A time
deposit exceeding Rs. 50,000/- with a banking company : para (f) opening an account with a Banking Company