SANCTION LETTER

To,
M/s SHREE KRISHNA RESIDENCY,

84 KIRAN VIHAR MANYAWAS RD

MANSAROVAR ,
Jaipur ,302019.

Sanction Date :30/06/2023

Sub.: Your application No APPL05265444

Dear Shubham Customer,

We are pleased to provide you an (in principal) approval of your loan request subject to details stated below and terms and conditions mentioned
overleaf.

Type of Loan Home Loan-Project

Loan Amount INR 5,00,00,000.00 (Rupees Five crore only)
Borrower(s) M/s SHREE KRISHNA RESIDENCY , Mr RAJENDRA PRASAD
Mr PANKAJ KUMAR GOYAL
Guarantor NONE
Tenor of the Loan 48 months
Variable Interest rate(applicable on date of sanction) 15.25%
Administrative and Operational Costs-At Disbursal-HL INR 5,90,000.00 (Rupees Five lakh ninety thousand only)
(Non refundable)
Administrative and Operational Costs-At Login (Non INR 4,500.00 (Rupees Four thousand five hundred only)
refundable)
CERSAI CHARGE (Non refundable) INR 118.00 (Rupees One hundred eighteen only)
Life Insurance Premium (Non refundable) INR 0.00 (Rupees Zero only)
NESL Data Submission Charge (Non refundable) INR 59.00 (Rupees Fifty nine only)
Re-pricing Frequency Monthly or as and when required
Monthly Installment INR 20,14,956.00 (Rupees Twenty lakh fourteen thousand nine hundred fifty six only)
Property to be financed PLOT NO. A -29, 34, 35, VIDHANSABHA NAGAR A, GRAM BALRAMPURA URF KHEJADO
KA BAS, JAIPUR , Jaipur-302021,Rajasthan
NESL data submission Rs 50+Applicable Taxes

CERSAI Charges Rs 50+Applicable Taxes if Loan amount <5 Lacs

Rs 100+Applicable Taxes if Loan amount >5 Lacs

Your profile as assessed by our company is categorised as : Medium

Your profile as assessed by our company is categorised as :

Your profile as assessed by our company is categorised as :

For Full disbursal loans- Pre – Emi will be charged in the first month after disbursal which will be interest from the date of disbursal till the end of that
particular month. The EMI as stated in the above table will commence from the subsequent month.
For Tranche disbursal loans. Pre EMI will be charged till full disbursal is made or 12 months from the month of disbursal, whichever is earlier. The EMI
as stated in the above table will commence from the subsequent month.
This in principle sanction is subject to the following:

1 The details given by you and the other applicants/guarantor in the application form are true and correct and there is no material change in
the same after making the application.
2 The original title documents of the property as required by Shubham shall be handed over and any other process required to create
mortgage will be completed prior to the disbursal of the loan.

3 Pre-emi will be charged in the first month .Full emi will be charged from subsequent due. For tranche loans, pre-emi will be charged for 12
months or until full disbursement of the loan, whichever is earlier.
4 The margin money/your equity will be paid to the developer/contractor or seller prior to the disbursal of the loan.
5 The loan is not to be used for any other purpose except for the purpose as mentioned in your application and/or in subsequent
discussions/undertakings.
6 The interest rate mentioned on the letter is as on the date of sanction and is subject to change from time to time. The final interest rate for
your loan will be confirmed post completion of all documentation as required by Shubham.

7 In case the property is yet to be finalised or the property evaluation is yet to be completed, then the above loan amount is liable to change
based on the value/nature of the property and after applying the LTV (Loan to Market Value) guidelines of Shubham. Please note that the
upper limit of LTV (Loan to Market Value) percentage will be specific to the loan product applied for as given above.
 upper limit of LTV (Loan to Market Value) percentage will be specific to the loan product applied for as given above.
8 The property selected should have a clear and marketable title and must conform to the technical standards and other requirements of
Shubham.
9 This sanction is valid for a period of 90 days from the date of this letter.

10 The Administrative and Operational Cost -At Disbursal as mentioned above will be deducted from the loan amount at the time of disbursal.
Kindly note that the Administrative and Operational Costs-At Login and Administrative and Operational Cost-At Disbursal are not refundable
under any circumstances.

11 The applicable premium payable against general insurance, health insurance and life insurance will be deducted from final sanctioned loan
amount and remitted to the insurance service provider on the request of customer

12 Disbursal of the loan will be subject to verification of all documents / information provided for processing the loan.

13 In case of partially disbursed loan, interest will be charged each month on the partially disbursed amount. Once the loan is fully disbursed,
EMI will be charged towards recovery of principal and interest each month. Final EMI amount will be communicated once loan fully
disbursed.

14 Shubham is entitled to add/delete/modify all or any of the terms and conditions of the sanction Letter and will notify such change to the
customer through letters/ email/ SMS correspondence

15 The CERSAI charges / NESL Charge as mentioned above will be deducted from the final disbursal amount and remitted to CERSAI/NESL

16. The policy issuance and related benefits will be activated against life insurance and any other general insurance only post clearance of the
disbursement cheque. This is as per arrangements with the insurance service provider.

In case of Self construction/Plot plus construction products the loan will be disbursed as per the schedule mentioned below.

Stage of construction Disbursal percentage

On completion of atleast 25% 25%
Completion of structure ie 50% 25%
Completion of structure ie 75% 25%
More than 90% 25%

Special Terms & Conditions:

1) .

Yours truly,

Authorised Signatory
Shubham Housing Development Finance Company Ltd.
You can contact us at the following address for further details of your loan sanction. The applicable schedule of charges as on date is also available at
the same address.
Branch Address: 425 Udyog Vihar , Phase IV, Gurgaon-, 122015, Haryana
 MOST IMPORTANT TERMS AND CONDITIONS OF OUR LOANS
Effective from 20.03.2023
Given below are the Most Important Terms & Conditions for getting a loan from Shubham. These will be detailed and given to a customer at
the time of signing of the loan agreement and the loan will be disbursed only after we have the customers consent on these terms

Agreement Schedule Report for Applicant No APPL05265444

Place of Agreement 425 Udyog Vihar , Phase IV, Gurgaon-, 122015, Haryana
Date of Agreement 30/06/2023
Product Type Home Loan
Name of the borrower M/s SHREE KRISHNA RESIDENCY
Name of the Coapplicants/Guarantor Mr RAJENDRA PRASAD
Mr PANKAJ KUMAR GOYAL
/ NONE
Address of Borrower 84 KIRAN VIHAR MANYAWAS RD
MANSAROVAR Jaipur 302019
Branch of shubham 425 Udyog Vihar , Phase IV, Gurgaon-, 122015, Haryana
Loan Amount INR 5,00,00,000.00 (Rupees Five crore only)
Prime Lending Rate (PLR) 17.5 % p.a.
Type of Interest Rate (Reset Linked to revision in PLR of Floating
Company/SHDFC)
Re-pricing Frequency Monthly or as and when required
Type of Interest Rate (Reset Linked to revision in PLR of 15.25 % per annum i.e. PLR ± -2.25%(Spread)
Company/SHDFC)
Penal Interest Rate 24% per annum
Type of Instalment Equated
th
Due Date 4 Every Month
EMI INR 20,14,956.00 (Rupees Twenty lakh fourteen thousand nine hundred fifty six only)
Pre – EMI
Mortgaged Property/Security/Collateral PLOT NO. A -29, 34, 35, VIDHANSABHA NAGAR A, GRAM BALRAMPURA URF
KHEJADO KA BAS, JAIPUR , Jaipur-302021,Rajasthan
Term/Tenor (In Months)/No. of EMIs 48
Charges:
Administrative and Operational Costs-At Disbursal-HL INR 5,90,000.00 (Rupees Five lakh ninety thousand only)
(Non Refundable) (inclusive of Applicable taxes)
Administrative and Operational Costs-At Login (Non INR 4,500.00 (Rupees Four thousand five hundred only)
Refundable) (inclusive of Applicable taxes)
CERSAI CHARGE (Non Refundable) (inclusive of INR 118.00 (Rupees One hundred eighteen only)
Applicable taxes)
Life Insurance Premium (Non Refundable) (inclusive of INR 0.00 (Rupees Zero only)
Applicable taxes)
NESL Data Submission Charge (Non Refundable) INR 59.00 (Rupees Fifty nine only)
(inclusive of Applicable taxes)
Duplicate statement Rs. 250
Emi Payment Instrument Swapping charges Rs. 500
Duplicate interest certificate Rs. 250
Copy of property documents Rs. 500
Cheque/ECS/NACH/SI bounce charges Rs. 500
Part payment charges NIL
Conversion Charges NIL
Preclosure charges NIL
Charges for non-availability of repayment instrument Rs. 500
EMI Due Collection Charges Rs. 400
Property Swapping Charge Rs. 3000
List of Documents Rs. 250
 Foreclosure statement charges Rs. 500
Custodial Fee for property documents in closed loans Rs 500 Per month (post 60 Days from Loan Closure Date)
Valuation fee in Construction Linked Loan cases First visit: No charges. Subsequent visits: Rs 500
Valuation fee for property revisit Rs.1500
Document retrieval charges on closure of loan (excluding Rs.1000
maturity closure)
Duplicate No Dues Certificate Rs.250
Re valuation charge for NPA cases Rs 1350
Legal Charges if any As per actual
Statuary Charges if any As per actual
Administrative and operational cost- at login additional*
* to be taken only if customer has identified the property 2000/- /-only (inclusive of GST).
and wish to pay upfront
Additional search charges* Up to 1000/-*
* to be charged in case of delayed disbursement * depends on the SRO
NESL data submission 50/-

End use / Purpose of loan Business Purpose

Use of Property Vacant
Mode of repayment 1.PDC
2.Electronic Mode

In case disbursement is not availed then Administrative and Operational Cost plus Interest paid (if any) is non
refundable.

Note:- Above fee and charges are exclusive of ApplicableTaxes (GST) or any other govt taxes, levies etc unless mentioned otherwise and subject to
change and will be at sole discretion of Shubham Housing Development Finance Company Ltd.

The interest calculation is on 360 days for all years during the loan tenure and monthly interest calculation is on 30 days for all months

For Full disbursal loans- Pre – Emi will be charged in the first month after disbursal which will be interest from the date of disbursal till the end of that
particular month. The EMI as stated in the above table will commence from the subsequent month.

For Tranche disbursal loans. Pre EMI will be charged till full disbursal is made or 12 months from the month of disbursal, whichever is earlier.
Thereafter, the EMI as stated in the above table will commence from the subsequent month.

It is further clarified that amount of EMI/Pre-EMI not paid on due date mentioned above shall become overdue. Further your loan account in case of
default shall be liable to be classified by the Company as under:-

S. No. SMA Subcategories Basis for classification – Principal or interest payment or any other amount wholly or partly
overdue
(i) SMA-0 Upto 30 days
(ii) SMA-1 More than 30 days and upto 60 days
(iii) SMA-2 More than 60 days and upto 90 days
(iv) NPA More than 90 days

It is further clarified that once the loan accounts classified as NPAs cannot be upgraded as ‘standard’ asset until entire arrears of
interest and principal are paid by the borrower.

(Signature or thumb impression of the borrower/s) ( Signature of the authorized person of Lender)
 SANCTION LETTER
To,
M/s SHREE KRISHNA RESIDENCY,

84 KIRAN VIHAR MANYAWAS ROAD

MANSAROVAR
JAIPUR ,
Jaipur ,302019.

Sanction Date :07/07/2023

Sub.: Your application No APPL05274056

Dear Shubham Customer,

We are pleased to provide you an (in principal) approval of your loan request subject to details stated below and terms and conditions mentioned
overleaf.

Type of Loan LAP for Construction

Loan Amount INR 1,00,00,000.00 (Rupees One crore only)
Borrower(s) M/s SHREE KRISHNA RESIDENCY , Mr RAJENDRA PRASAD
Mr PANKAJ KUMAR GOYAL
Guarantor NONE
Tenor of the Loan 48 months
Variable Interest rate(applicable on date of sanction) 15.25%
CERSAI CHARGE (Non refundable) INR 118.00 (Rupees One hundred eighteen only)
Life Insurance Premium (Non refundable) INR 0.00 (Rupees Zero only)
NESL Data Submission Charge (Non refundable) INR 59.00 (Rupees Fifty nine only)
Administrative and Operational Costs-At Disbursal INR 1,18,000.00 (Rupees One lakh eighteen thousand only)
(Non refundable)
Administrative and Operational Costs-At Login-NHL INR 0.00 (Rupees Zero only)
(Non refundable)
Re-pricing Frequency Monthly or as and when required
Monthly Installment INR 4,02,992.00 (Rupees Four lakh two thousand nine hundred ninety two only)
Property to be financed PLOT NO. A -29, 34, 35, VIDHANSABHA NAGAR A, GRAM BALRAMPURA URF KHEJADO
KA BAS, JAIPUR , Jaipur-302021,Rajasthan
NESL data submission Rs 50+Applicable Taxes

CERSAI Charges Rs 50+Applicable Taxes if Loan amount <5 Lacs

Rs 100+Applicable Taxes if Loan amount >5 Lacs

Your profile as assessed by our company is categorised as : Medium

Your profile as assessed by our company is categorised as :

Your profile as assessed by our company is categorised as :

For Full disbursal loans- Pre – Emi will be charged in the first month after disbursal which will be interest from the date of disbursal till the end of that
particular month. The EMI as stated in the above table will commence from the subsequent month.
For Tranche disbursal loans. Pre EMI will be charged till full disbursal is made or 12 months from the month of disbursal, whichever is earlier. The EMI
as stated in the above table will commence from the subsequent month.
This in principle sanction is subject to the following:

1 The details given by you and the other applicants/guarantor in the application form are true and correct and there is no material change in
the same after making the application.
2 The original title documents of the property as required by Shubham shall be handed over and any other process required to create
mortgage will be completed prior to the disbursal of the loan.

3 Pre-emi will be charged in the first month .Full emi will be charged from subsequent due. For tranche loans, pre-emi will be charged for 12
months or until full disbursement of the loan, whichever is earlier.
4 The margin money/your equity will be paid to the developer/contractor or seller prior to the disbursal of the loan.
5 The loan is not to be used for any other purpose except for the purpose as mentioned in your application and/or in subsequent
discussions/undertakings.
6 The interest rate mentioned on the letter is as on the date of sanction and is subject to change from time to time. The final interest rate for
your loan will be confirmed post completion of all documentation as required by Shubham.
7 In case the property is yet to be finalised or the property evaluation is yet to be completed, then the above loan amount is liable to change
based on the value/nature of the property and after applying the LTV (Loan to Market Value) guidelines of Shubham. Please note that the
upper limit of LTV (Loan to Market Value) percentage will be specific to the loan product applied for as given above.
 8 The property selected should have a clear and marketable title and must conform to the technical standards and other requirements of
Shubham.
9 This sanction is valid for a period of 90 days from the date of this letter.

10 The Administrative and Operational Cost -At Disbursal as mentioned above will be deducted from the loan amount at the time of disbursal.
Kindly note that the Administrative and Operational Costs-At Login and Administrative and Operational Cost-At Disbursal are not refundable
under any circumstances.

11 The applicable premium payable against general insurance, health insurance and life insurance will be deducted from final sanctioned loan
amount and remitted to the insurance service provider on the request of customer

12 Disbursal of the loan will be subject to verification of all documents / information provided for processing the loan.

13 In case of partially disbursed loan, interest will be charged each month on the partially disbursed amount. Once the loan is fully disbursed,
EMI will be charged towards recovery of principal and interest each month. Final EMI amount will be communicated once loan fully
disbursed.

14 Shubham is entitled to add/delete/modify all or any of the terms and conditions of the sanction Letter and will notify such change to the
customer through letters/ email/ SMS correspondence

15 The CERSAI charges / NESL Charge as mentioned above will be deducted from the final disbursal amount and remitted to CERSAI/NESL

16. The policy issuance and related benefits will be activated against life insurance and any other general insurance only post clearance of the
disbursement cheque. This is as per arrangements with the insurance service provider.

Special Terms & Conditions:

1)

Yours truly,

Authorised Signatory
Shubham Housing Development Finance Company Ltd.
You can contact us at the following address for further details of your loan sanction. The applicable schedule of charges as on date is also available at
the same address.
Branch Address: 425 Udyog Vihar , Phase IV, Gurgaon-, 122015, Haryana
 MOST IMPORTANT TERMS AND CONDITIONS OF OUR LOANS
Effective from 20.03.2023
Given below are the Most Important Terms & Conditions for getting a loan from Shubham. These will be detailed and given to a customer at
the time of signing of the loan agreement and the loan will be disbursed only after we have the customers consent on these terms

Agreement Schedule Report for Applicant No APPL05274056

Place of Agreement 425 Udyog Vihar , Phase IV, Gurgaon-, 122015, Haryana
Date of Agreement 07/07/2023
Product Type Loan Against Property
Name of the borrower M/s SHREE KRISHNA RESIDENCY
Name of the Coapplicants/Guarantor Mr RAJENDRA PRASAD
Mr PANKAJ KUMAR GOYAL
/ NONE
Address of Borrower 84 KIRAN VIHAR MANYAWAS ROAD
MANSAROVAR
JAIPUR Jaipur 302019
Branch of shubham 425 Udyog Vihar , Phase IV, Gurgaon-, 122015, Haryana
Loan Amount INR 1,00,00,000.00 (Rupees One crore only)
Prime Lending Rate (PLR) 17.5 % p.a.
Type of Interest Rate (Reset Linked to revision in PLR of Floating
Company/SHDFC)
Re-pricing Frequency Monthly or as and when required
Type of Interest Rate (Reset Linked to revision in PLR of 15.25 % per annum i.e. PLR ± -2.25%(Spread)
Company/SHDFC)
Penal Interest Rate 24% per annum
Type of Instalment Equated
th
Due Date 10 Every Month
EMI INR 4,02,992.00 (Rupees Four lakh two thousand nine hundred ninety two only)
Pre – EMI
Mortgaged Property/Security/Collateral PLOT NO. A -29, 34, 35, VIDHANSABHA NAGAR A, GRAM BALRAMPURA URF
KHEJADO KA BAS, JAIPUR , Jaipur-302021,Rajasthan
Term/Tenor (In Months)/No. of EMIs 48
Charges:
CERSAI CHARGE (Non Refundable) (inclusive of INR 118.00 (Rupees One hundred eighteen only)
Applicable taxes)
Life Insurance Premium (Non Refundable) (inclusive of INR 0.00 (Rupees Zero only)
Applicable taxes)
NESL Data Submission Charge (Non Refundable) INR 59.00 (Rupees Fifty nine only)
(inclusive of Applicable taxes)
Administrative and Operational Costs-At Disbursal (Non INR 1,18,000.00 (Rupees One lakh eighteen thousand only)
Refundable) (inclusive of Applicable taxes)
Administrative and Operational Costs-At Login-NHL (Non INR 0.00 (Rupees Zero only)
Refundable) (inclusive of Applicable taxes)
Duplicate statement Rs. 250
Emi Payment Instrument Swapping charges Rs. 500
Duplicate interest certificate Rs. 250
Copy of property documents Rs. 500
Cheque/ECS/NACH/SI bounce charges Rs. 500
Part payment charges NIL
Conversion Charges NIL
Preclosure charges NIL
Charges for non-availability of repayment instrument Rs. 500
EMI Due Collection Charges Rs. 400
Property Swapping Charge Rs. 3000
List of Documents Rs. 250
Foreclosure statement charges Rs. 500
Custodial Fee for property documents in closed loans Rs 500 Per month (post 60 Days from Loan Closure Date)
Valuation fee in Construction Linked Loan cases First visit: No charges. Subsequent visits: Rs 500
Valuation fee for property revisit Rs.1500
Document retrieval charges on closure of loan (excluding Rs.1000
maturity closure)
Duplicate No Dues Certificate Rs.250
Re valuation charge for NPA cases Rs 1350
 Legal Charges if any As per actual
Statuary Charges if any As per actual
Administrative and operational cost- at login additional*
* to be taken only if customer has identified the property 2000/- /-only (inclusive of GST).
and wish to pay upfront
Additional search charges* Up to 1000/-*
* to be charged in case of delayed disbursement * depends on the SRO
NESL data submission 50/-

End use / Purpose of loan Home Renovation / Improvement

Use of Property Vacant
Mode of repayment 1.PDC
2.Electronic Mode

In case disbursement is not availed then Administrative and Operational Cost plus Interest paid (if any) is non
refundable.

Note:- Above fee and charges are exclusive of ApplicableTaxes (GST) or any other govt taxes, levies etc unless mentioned otherwise and subject to
change and will be at sole discretion of Shubham Housing Development Finance Company Ltd.

The interest calculation is on 360 days for all years during the loan tenure and monthly interest calculation is on 30 days for all months

For Full disbursal loans- Pre – Emi will be charged in the first month after disbursal which will be interest from the date of disbursal till the end of that
particular month. The EMI as stated in the above table will commence from the subsequent month.
For Tranche disbursal loans. Pre EMI will be charged till full disbursal is made or 12 months from the month of disbursal, whichever is earlier.
Thereafter, the EMI as stated in the above table will commence from the subsequent month.

It is further clarified that amount of EMI/Pre-EMI not paid on due date mentioned above shall become overdue. Further your loan account in case of
default shall be liable to be classified by the Company as under:-

S. No. SMA Subcategories Basis for classification – Principal or interest payment or any other amount wholly or partly
overdue
(i) SMA-0 Upto 30 days
(ii) SMA-1 More than 30 days and upto 60 days
(iii) SMA-2 More than 60 days and upto 90 days
(iv) NPA More than 90 days

It is further clarified that once the loan accounts classified as NPAs cannot be upgraded as ‘standard’ asset until entire arrears of
interest and principal are paid by the borrower.

(Signature or thumb impression of the borrower/s) ( Signature of the authorized person of Lender)