Hyderabad

Registered office at 501, Salcon Aurum, Jasola District Centre, New Delhi, South Delhi -110 025.
GST No: 09ABDCS9427Q1ZF; CIN: U65900DL2020PLC366027 www.shivalikbank.com
Gold Loan Application Form

To,
Shivalik Small Finance Bank Ltd.
Hyderabad Branch
I/We hereby request the Bank, to consider granting me/us, a Loan of Rs. 1604400 /-(Rupees One million six hundred four thousand four hundred and zero Paise Only ),
against the security of Gold Ornaments/Jewellery specified below:
Occupation Details: Applicant Photograph
Gross Annual
Amount of Loan: Rs. 1604400 Rs. 500000.00
Income:
AGRICULTURE AND
CUID Number: 549170 Occupation:
ALLIED ACTIVITIES
Application Number: 89576 Nationality: Indian
Personal Details:
Mr. SEELAM DURGA PAN Card

Applicant Name: - BLMPS6927G Date of Birth: 1975-07-30
PRASAD No/Form 60:
No. of Years in
Gender: MALE Qualification: Graduate Current 18
Residence:
6-3-1245/408-D
block, Raj bhavan
staff quarters
somajiguda,
Marital Status: Married Address: khairatabad State: TELANGANA
Khairatabad,
Hyderabad
TELANGANA
500041
Khairatabad,
City: Hyderabad District: Pin Code: 500041
Hyderabad
Email Address: NA Primary

Land Mark: - samrudhi apartments 9963217756
Contact No:
ANY OTHER ALLIED Father/Husband

Purpose of Loan SRIRAMULU
ACTIVITY PURPOSE name
Nominee Details:
Nominee Nominee Ph.

Nominee Name: Mrs. ANANTHA LAXMI Spouse 9963217756
Relationship: No.:
Bank Details:
Bank Branch HYDERABAD - RAJ

Bank Name: - Bank of Baroda
Name: - BHAVAN ROAD
Bank Account
50100089247234 IFSC Code: HDFC0000512
Number:
Individuals: 1) Photo ID Proof 2) Residence Proof as per KYC policy of the Bank.
Details of the Pledged Articles
Qty Gross Weight (grams) Net Weight (grams) Packet No. Jewelry Photograph
eSigned using Aadhaar

(Leegality.com - yN5VJvo)
Mr. SEELAM DURGA PRASAD
Date: Tue Nov 12 12:03:30 IST
2024
23 286.2 Grams 276.7 Grams 1762969

I/We declare and understand that
Date: Tue Novpurity of the gold
12 12:03:30 IST as aforesaid is at least 18 00 carat. however same is subject to reconfirmation by Auditors/Valuers appointed by Shivalik
Small Finance Bank Ltd (referred to as Bank) whose decision will be final and binding on me/us ("Lender's Record"). The pledged gold's value has been arrived as per
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average of closing price of 22 carat gold for preceding 30 days as quoted by India Bullion and Jewellers Association Ltd. [formerly known as the Bombay Bullion Association
Ltd. (BBA)].
Signed by OTP
Signature of Applicant/Borrower
Acknowledgment of Gold Loan Application Form (To be Handed Over to Customer)

Dear Sir/Madam,
This is to acknowledge the receipt of the above Loan Application Form. It is our endeavor to process the Loan Application within 3 days, Subject to
furnishing of all the necessary documents as required by bank.
GOLD DEPOSIT RECEIPT
Date 12-11-2024
CUID No.: 549170 Applicants Name: - Mr. SEELAM DURGA PRASAD
Primary Contact
9963217756 Branch Code: 1039
No:
Plot No. 8/A, Road No. 2/5 & 2

Jubilee Hills, Near More
Branch Name: Hyderabad Branch Address:
Supermarket, Hyderabad,
500033
Applicant Photograph Jewelery Photograph
Details of the Pledged Articles
Qty Gross Weight (grams) Net Weight (grams) Packet No.
23 286.2 Grams 276.7 Grams 1762969

This is electronically generated document and does not require any signature from Lender’s representative.
2024 Signed by OTP
Signature of Borrower

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SANCTIONED TERMS & CONDITIONS
A. We refer to the application form dated: 12-11-2024 for grant of the Facility described below.
B. The Borrower acknowledges and confirms that the below mentioned are the most important terms and conditions in the application for the Facility
(and which would apply to the Borrower in respect of the Facility, if the request for the Facility is accepted by the Lender) and they shall be read in
conjunction witheSigned using Aadhaar
the Application
(Leegality.com Form(s) and the Standard Terms (Gold Loan Facility):
- yN5VJvo)
• Applicant Name: - Mr. SEELAM DURGA PRASAD
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• Facility: Gold Loan
• Scheme: GL Rebate
• Principal Amount: Rs. 1604400
• Tenure: 12 Months (Subject to Standard Terms)
• Repayment Frequency: Monthly
• Processing Fee+GST: Rs. 9466.00
• Rate of Interest: 22.20% P.A.
• Rate of Interest Type : Fixed
• Mode of Computation: Simple Interest
• Disbursal Date: 12-11-2024
• Principal Due Date: 12-11-2025 (Subject to Standard Terms)
• Purpose: ANY OTHER ALLIED ACTIVITY PURPOSE
• Insurance Charges: NIL
• Annualised Percentage Rate: 22.79% P.A.
• Foreclosure Charges: Up to 2 % of loan sanction amount plus GST, if loan is closed within 180 days
• Pledge: The gold ornaments/jewellery have been deposited with Bank to secure the Facility and only gold component of pledged Articles will be
considered for valuation.
• Margin: Borrowers shall ensure that the at all time, the aggregate amounts outstanding is not more than 90% of the value of pledged articles or such
threshold limit prescribed by RBI and amended from time to time.
• Auction: Bank may auction the Gold as per its policy in case of breach of terms.
Schedule of Charges (Exclusive of Taxes)
Particulars Charges
Processing Fees + GST Rs. 9466.00
Auction Charges As per Actuals
SOA issuance Charges NA
C. The Borrower acknowledges and confirms having received a copy of each Transaction Document and agrees that this letter is a Transaction
Document.
D. Borrower understands that all payment receipts are provided electronically only. However, if physical payment confirmation is required, please obtain
the same from our branch on paying nominal charges.
E. The expression ”Bank” shall unless it be repugnant to the context or meaning thereof, be deemed to mean and include, its successors and assigns
and the expression “Borrower” shall unless it be repugnant to the context or meaning thereof, be deemed to mean and include, the legal heirs,
executors, administrators, successors and assigns);
F. I hereby understand and agree that I may apply for loan by submitting the Application Form(s) and SHIVALIK SMALL FINANCE BANK LIMITED
(SHIVALIK SMALL FINANCE BANK LIMITED" or "Lender" or Bank) may agree to grant such loan (s) (each a "Loan" or "Facility") that are or will be
governed by these terms and conditions ("Standard Terms") read together with the Application Form(s), TC and any other document as exchanged
between the parties (together referred to as ''Transaction Document"). Capitalized terms used but not defined herein shall have the meaning ascribed
in Application Form and TC and other terms and conditions mentioned in the Transaction Documents. I hereby read, understand, agree, accept and
acknowledge all the terms and conditions governing such Loan(s) including the Standard Terms mentioned herein.
G. I/We declare and understand that purity of the gold as aforesaid is at least 18.00 carat. however same is subject to reconfirmation by
Auditors/Valuers appointed by Bank, whose decision will be final and binding on me/us ("Lender's Record"). The pledged gold's value has been
arrived as per average of closing price of 22 carat gold for preceding 30 days as quoted by India Bullion and Jewellers Association Ltd. [formerly
known as the Bombay Bullion Association Ltd. (BBA)]. eSigned using Aadhaar
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H. Terms & Conditions can be accepted by me electronically by verifying the One-Time Password (OTP) sent to me by my Lender. I understand that
such verification by way of OTP shall be conclusive evidence of my acceptance of these Terms & conditions and the same shall be binding on me.
I. This loan is facilitated by our Business Correspondent Flat White Capital Pvt. Ltd. and the Bank shall be responsible for all it's acts of omission and
commission to the Applicant/Borrower.
Signed by OTP

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General Terms & Conditions
1. Sanction and Disbursement
1.1 I understand and agree that the Lender may grant the loan against gold ornaments/jewellery ("Facility") on the basis of the representations made
by me. I understand and agree that the Lender may disburse loans to me (each disbursement referred to as "Loan").
1.2 I/We understand, agree, and hereby request the Lender to offer the Loan for a maximum period of 12 months, which is subject to the policy of the
bank applicable from time to time. Provided, however, I understand and agree that the initial grant of the loan will only be for the Tenure (with the
Loan Maturity Date) as stipulated in the Application Form. The renewal of the loan shall be done separately at the discretion of the bank as per the
renewal policy
1.3 I understand and agree that in the event that the Lender accepts my request for the Facility and sanctions the Facility, the Lender may disburse
Loans into my account.
2. Interest, other charges and Payments:
2.1 I understand and agree that the interest and charges on the Loan(s) shall be charged as specified in the Transaction Document and I
acknowledge and agree that the rate of interest specified is reasonable and as determined by the Lender.
2.2 I understand and agree that all income tax, any other tax, and all other imposts, duties including stamp duty and relevant registration and filing
charges in connection with the Facility (as applicable) shall be borne by me and that if any such cost is incurred by the Lender on my account, I
shall forthwith reimburse the same to the Lender.
2.3 I understand and agree that the interest shall be charged on an actual/reducing balance assuming a year of 365/366 days and interest shall be
payable on monthly intervals unless otherwise specified.
2.4 I understand and agree that I shall make each payment (in freely transferable funds, without any set off, counter claim or any deduction) on or
before the respective due date and if it is not a business day, then I agree to make payment on the preceding business day.
3. Terms in relation to Gold Ornaments/Jewellery:
3.1 I understand and agree that that I am the absolute owner and is in rightful possession of certain gold ornaments/jewellery (along with any stone or
diamonds attached to such jewellery) which have been pledged to the Lender by way of first and exclusive charge ("Pledged Articles") in a sealed
packet to be kept with Lender and there is no lien, encumbrance, charge(s) or claim(s) on the same apart from that created in favour of the
Lender.
3.2 I understand and agree that the Lender shall be entitled, without furnishing any notice or intimation, to open such sealed packets during the tenor
of the Loan and conduct investigation/sin connection with the quality of the Pledged Articles (including but not limited to melting/cutting/
conducting destructive tests or other tests on the Pledged Articles) at my risk and cost at any time and I hereby provide consent for the same. I
understand, agree and undertake that the findings of the Lender shall be final and binding and I shall not dispute the same in any manner
whatsoever.
3.3 I understand and agree that the Pledged Articles and any other security furnished by me to the Lender will be released only upon payment in full
of the dues outstanding under Loan(s) by me to the satisfaction of the Lender.
3.4 I understand and agree that my title to the Pledged Articles is not defective or challenged in any manner nor it is spurious or of inferior quality.
3.5 I understand and agree that in the event of loss of the Pledged Articles due to theft or any natural calamity like fire, floods, earthquake, etc., the
liability of the Lender is limited to replacing the lost Pledged Articles with the amount in cash equivalent to the value of gold in the Pledged Articles
as per the records of Lender, after adjusting all the outstanding dues of the Lender and further, that the replacement cost shall be calculated by
way of weight and purity (as maintained in Lender's record) and multiplying the same by current date price of gold as per published data and the
same shall be final and binding upon me.
4. Valuation of Pledged Articles:
4.1 I understand and agree that the valuation of the Pledged Articles shall be done by an assayer authorized and appointed by the Lender and the
Loan amount shall be determined by the Lender on the basis of the value of the Pledged Articles as set out in the valuation report supplied by the
assayer, after considering margin prescribed by Lender and amended from time to time.. Such value shall be subject to the market price of the
Pledged Articles from time to time.
4.2 I understand and agree and confirm that the value of the Pledged Articles as maintained in Lender's record is acceptable, conclusive, final and
binding upon me and the same shall not be disputed in any manner, at any point in time.
4.3 I understand and agree that by virtue of the Loan being sanctioned by the Lender to me, it does not mean, the Lender confirms or accepts the
gold ornaments/jewellery pledged is of a particular carat purity.
4.4 I understand and agree that if the Pledged Article is found to be fake or spurious or of lesser purity, or stolen, Lender reserves the right to initiate
appropriate investigation/criminal action as deemed fit and on account of this, if any loss incurred by the Lender, I shall be solely liable and
responsible for the same.
4.5 I understand, and agree that only gold component of the Pledged Articles shall be considered for any valuation purposes and Lender will not
consider the value of stone or diamond embedded in jewellery/ ornaments at any time including at the time of loss replacement.
5. Margin:
5.1 I shall ensure that at all time, the aggregate amounts outstanding is not more than 90% of the value of pledged articles or such threshold limit
prescribed by RBI and amended from time to time.
5.2 I understand and agree that the value of the Pledged Articles shall be monitored on regular basis and if value of the Pledged Articles is less than
the Margin requirements, Lender may demand creation of additional security or repayment of Loan in part or full and I shall promptly upon such
demand comply with the requirement.
5.3 I understand and agree that in case of failure to comply with additional margin requirements by me, additional margin shortfall charges for every
such breach shall be levied by the Lender and the same shall be payable by me without any delay, demur or protest.

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5.4 I understand and agree that notwithstanding anything mentioned herein, if in the opinion of the Lender, value of the Pledged Articles is not
sufficient to discharge my obligations or if there exists any circumstance/s which may materially affect my ability to fulfil my obligations under
these Standard Terms, Lender may sell the Pledged Articles by auction at any time by giving 7 days Notice, even before the expiry of tenure and I
hereby consent to the same and shall not dispute the same in any manner at any point in time.
6. Covenants:
6.1 I understand and agree that I shall indemnify, keep indemnified and hold harmless the Lender for all losses, expenses, charges, damages, costs
and liabilities (including due to claims by a third party), incurred by the Lender as a result of any breach by it of any Transaction Documents or any
misrepresentation made in relation to the Facility or Pledged Articles. I understand and agree that I shall also reimburse the Lender for any cost
and expenses in connection with the Loan(s) including insurance cost, enforcement costs, clearance of arrears of all taxes and any other levies of
Government, etc. without any delay, demur or protest.
6.2 I understand and agree that I shall not utilize the funds for purchase of gold in any form, (including primary gold, gold bullion, gold
ornaments/jewellery, gold coins, units of gold exchange traded funds (ETF) and units of gold mutual funds). I understand and agree that I shall
utilized the loan amount for the purpose stated in the loan application.
6.3 I understand and agree and accept that notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other applicable law or
anything contained in the Transaction Documents, the amounts repaid by me shall be appropriated first towards cost, charges and expenses and
other monies; secondly towards interest on the delayed payments; thirdly towards interest payable under the Transaction Documents and lastly
towards repayment of any principal amounts.
6.4 I understand and agree that I shall furnish all documents/information as may be required by the Lender from time to time and that the Lender may
by itself or through its agents verify any information given, check credit references, employment details and obtain credit reports or any other
information deemed necessary by the Lender, from time to time.
7. Events of Default: I understand and agree and accept that the following would include Events of Default:
7.1 Default has occurred in the payment/ repayment of any monies (whether at stated due date, by acceleration or otherwise) under the Transaction
Documents.
7.2 I have defaulted (other than a payment default) in the performance of any covenant and such covenant is not remedied with 3(three) days of such
breach.
7.3 I have, or there is a reasonable apprehension that I would, voluntarily or involuntarily become the subject of proceedings under any bankruptcy or
insolvency law.
7.4 My death, or the change of my constitution without the consent of the Lender.
7.5 Arrest or detention in prison on the ground of theft of ornaments or any suspicion of theft of ornaments.
7.6 The security, if any, for the Facility is in jeopardy or ceases to have effect.
7.7 If any of my representations are found to be false, misleading or incorrect.
7.8 Breach of any terms and conditions, obligations, representations contained herein and/or in the sanction letter, security documents, facility
documents etc.
7.9 Occurrence of any circumstances or event which adversely affects my/our capacity to repay the loan or to honour the obligations or which is
prejudicial to the interest of the bank.
7.10 Upon detection of any systemic fraud in relation to the quality of the Pledged Article.
7.11 If the value of the Pledged Articles falls lower than the required Margin as stipulated from time to time, due to change in market price or any other
reason. I understand, agree and accept that upon occurrence of any of the above, Lender may: (a) call upon me to pay forthwith the outstanding
balance of the Facility together with interest and all sums payable as per Transaction Documents;(b) call upon me to pay all claims, costs, losses
and expenses that may be incurred by the Lender because of any act or default on my part of with respect to the Facility and/or for the recovery of
the outstanding dues (including legal/attorney fee) and/or on account of my failure of any of the terms and conditions under the Transaction
Documents; (c) sell the Pledged Articles by auction.
7.12 Such other event as may be specified by the Bank in the Sanction Letter or otherwise. In the event of any default by the Borrower in duly
repaying/ paying the dues or any part thereof and/ or failure in the Borrower/ Pledgor performing its obligations in accordance with the provisions
of the Pledge Agreement/Transaction/Facility document the Bank shall, without the requirement of any consent or concurrence of the
Borrower/Pledgor, be entitled to do all or any of the following:
a) Upon the occurrence of any of event, the dues shall immediately become payable and the Bank shall be fully entitled to recall the loan facility.
b) invoke and enforce the pledge;
c) sell or otherwise dispose of all or any of the Pledged Commodities by public auction or in such manner, at such price and on such terms and
subject to such conditions as the Bank may think fit.
The Bank shall not in any way be liable for any loss or depreciation in value of the Pledged Gold Ornaments/Jewellery whilst in the possession of
the Bank or in the course of sale, realisation or disposal or otherwise.
Such invocation and sale of the Pledged Gold Ornaments/Jewellery shall be to the cost of the Borrower/Pledgor and any shortfall arising out of
such invocation and sale shall be made good to the Bank by the Borrower/Pledgor at his/its sole costs, risks and responsibility
7.13.1 I understand and agree that auction shall be conducted by the Lender by giving one advertisement in daily newspapers in vernacular language
and another advertisement in a national daily newspaper, after giving me a notice of 7 business days which I agree is a reasonable period for the
purposes of Section 176 of the Indian Contract Act. 1872. I understand and agree that the reserved price for the auction would not be less than
85% of the previous 30 days average closing price of 22 carat gold rate issued by the India Bullion and Jewellers Association Ltd. [formerly known
as the Bombay Bullion Association Ltd. (BBA)] or the historical spot gold price published by regulated commodity exchange.
7.13.2 I understand and agree that I shall be intimated by registered letter/courier service, SMS or telephone or personal intimation or via email or via
any other mode of communication regarding its intent to subject the Pledged Articles to public auction.
7.13.3 I understand and agree that the Auction shall be conducted as per the guidelines issued by Shivalik Small Finance Bank.
7.13.4 I/we understand and agree that the proceeds realized from the sale of the Pledged Articles shall be utilized towards the repayment of dues under
the Loan. In the event the proceeds realized are insufficient to meet the amount of dues, the Lender reserves its right to take further action at its
discretion. Additionally, in case of any excess amount, the bank shall refund the excess amount after adjusting all applicable dues.
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7.13.5 Disclose and publish the information about me and my default in the public domain including through social media.
7.13.6 Enforce any rights available to it under any law or contract.
8. Additional Facilities
8.1 I understand and agree that I may apply for further/additional facilities (continuing the pledge for such additional Loan(s)) using online secure
platforms (Online Facility) or by making the call to the toll-free numbers of the Lender. Lender may at its discretion extend such additional loan
subject to the Borrower complying with the Lender's credit parameters and submitting all documents/information as may be required. I understand
and agree that the Lender shall have the right of lien and set off in respect of the Pledged Articles and any proceeds of sale thereof, in respect of
any other facilities availed by me from the Lender from time to time.
9. Maturity:
9.1 Upon maturity, I/we shall either repay the loan facility along with interest, and such other dues as are payable by me/us to the Bank (“Dues”) or
I/we may, at any time request a renewal/ enhancement of the loan which the Bank may grant us at its sole and absolute discretion, subject to the
continuation of pledge over the Gold security in favour of the bank and provision of such other security and in such from as the bank may require
and such variation in the rate of interest as the bank may prescribe as per its policies prevailing at the time of such renewal/ enhancement.
10 Miscellaneous:
10.1 I understand and agree that any notice or request to be given by me must be in writing. All notices or requests shall be deemed to have been duly
received by the party to whom it is addressed if it is given or made at the address specified below or at such other address as may be agreed: For
the Lender Regd. Office: “ Shivalik Small Finance Bank Limited 2nd Floor, Add India Tower, Plot no 6A, Sector 125, Noida – 201303” For me: The
address as stated in the Application Form.
10.2 I understand and agree that any and all claims and disputes arising out of or in connection with the Transaction Documents or its performance
shall be settled by arbitration by a single arbitrator to be appointed by the Lender. The venue of arbitration shall be in Noida (U.P). The arbitration
shall be conducted under the provisions of the Arbitration and Conciliation Act, 1996 or any statutory modification or re enactment thereof for the
time being in force and the award of such arbitrator shall be final and binding upon the Borrower and the Lender. Subject to the Arbitration, the
courts of Noida shall have the exclusive jurisdiction.
10.3 In case of death of the borrower, the security items are to be released/ handed over to the nominee (appointed at the time of sanction of loan) only
after recovery of full dues including the principal, interest, penal interest if any, and charges after verification of original KYC documents of
borrower/nominee.
10.4 I understand and agree that the Lender shall, without prejudice to any other agreement, at its sole discretion, be at liberty to apply any other
money, amounts, securities and other property belonging to me (whether singly or jointly with another or others) in possession of the Lender or
any of its subsidiary/affiliate/associate company in or towards payment of the dues under any facility granted by the Lender to me.
10.5 I understand and agree that the Lender shall be entitled at my sole risk and cost to engage one or more person(s) to collect my dues and shall
further be entitled to share such information, facts and figures pertaining to me as the Lender deems fit.
10.6 I understand and agree that the Lender may, at any time, assign or transfer all or any of its rights, benefits and obligations under the Transaction
Documents.
10.7 I understand and agree that all transactions shall be only executed between the regular working hours of the Lender on business days only.
10.8 I understand and agree that the Lender reserves the right to amend the terms of these Standard Terms by intimating the same to me.
10.9 I understand and agree that by utilising the Facility provided, I am unconditionally and irrevocably accepting the terms and conditions listed
hereunder and as may be amended from time to time and shall abide by and be bound by them at all times.
10.10 FATCA: I understand, agree and hereby confirm that I am a citizen and permanent resident of India and subject to the tax regime of India. Pledge:
The gold ornaments/jewellery have been deposited with Bank to secure the Facility and only gold component of pledged Articles will be considered
for valuation. Margin: : Borrowers shall ensure that the at all time, the aggregate amounts outstanding is not more than 90% of the value of
pledged articles or such threshold limit prescribed by RBI and amended from time to time Auction: Bank may auction the Gold as per its policy in
case of breach of terms notified by the lender on its website from time to time.
10.11 The Fair Practice code applicable for is available on Banks website.Fair-Lending-Practice-Code-Policy.pdf
(shivalikbank.com).
10.12
In the event that the borrower fulfills their obligation by making monthly instalment payments on or before the due date, the applicable interest rate
for that specific month shall be reduced to the specified percentage per annum as mentioned in the table below under 'Rebate'. However, if the
borrower fails to make the payment on or before the due date, the standard interest rate applicable per annum at the time of loan sanction shall
apply. This provision is designed to incentivize timely payments and ensure optimal financial terms for the borrower. For example, if the interest
rate offered to a customer is 20% per annum for a loan amount of Rs 70,000, and the customer repays on or before the due date, the customer
will be eligible for a rebate of 6% per annum, resulting in a net effective interest rate of 14% per annum. Once the loan is overdue, the borrower
will not be eligible for a rebate for the remaining loan tenure.
Loan Amount Range Rebate Percentage P.A.
<=75,000 6.00%
>75,000 and <=1,25,000 6.60%
>1,25,000 and <=2,00,000 7.80%

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>2,00,000 and <=5,00,000 9.00%
>5,00,000 and <=10,00,000 10.80%
>10,00,000 and <=20,00,000 11.40%
>20,00,000 12.00%
11. Asset Classification
Pursuant to the Reserve Bank of India vide their Notification on "Prudential norms on Income Recognition, Asset Classification and Provisioning
pertaining to Advances - Clarifications" dated 12th November 2021, I, the Borrower shall note the following loan classification structure:
Classification DPD Bucket range Description
SMA-0 Up to 30 Days If due date of a loan account is March 31, 2021, and full dues are not received before the day-
end process for this date, the date of overdue shall be March 31, 2021 it shall get tagged as
SMA-0 on March 31, 2021.
SMA-1 More than 30 Days Continuing from the above, if the account continues to remain overdue, then it shall get tagged
and up to 60 Days as SMA-1 upon running day-end process on April 30, 2021 i.e., upon completion of 30 days of
being continuously overdue.
SMA-2 More than 60 Days Continuing from the above, if the account continues to remain overdue, it shall get tagged as
and up to 90 Days SMA-2 upon running day-end process on May 30, 2021 i.e., upon completion of 60 days of
being continuously overdue.
Non Performing Asset (NPA) More than 90 Days Continuing from the above, and if continues to remain overdue further, it shall get classified as
NPA upon running day-end process on June 29, 2021. Once an accounts become NPA i.e.,
remains continue overdue for 90 days, it will be tagged as NPA till it clears all overdue amount*
and its DPD becomes 0. Any partial payments made will not change the NPA status.
*Overdue amount is Interest due or Principal and Interest due as per the repayment schedule.
12. I expressly consent to and authorize the Bank (whether acting by itself or through any of its service providers, and whether in automated manner
or otherwise, to collect, store and process my application details, personal data and sensitive Information about me, information, papers and data
relating to know your customer (KYC) credit information, and any other information about me/pertaining to me or not as may be deemed relevant
by the Bank (collectively, “Information) and I hereby also expressly consent to and authorize the Bank to download KYC details from the CKYC
registry using my CKYC ID for the purpose of Gold loan application expressly consent Bank to share and disclose the Information to service
providers, consultants, credit information companies, information utilities other banks and financial institutions, affiliates, group companies,
subsidiaries regulators, investigating agencies. Judicial, quasi-judicial and statutory authorities, or to other persons/ Institutions/entities as may be
necessary in connection with the contractual or legal requirements or in the legitimate interests of the Bank or as per the consent, undertake to
process information Iing by way of storing, structuring, organizing, reproducing, copying, using, profiling, etc as may be deemed fit by the Bank and
for the purposes of credit appraisal, fraud detection, anti- money laundering obligations, for entering into contract, for direct marketing. I expressly
agree to the Bank, its service providers, agents and/or its affiliates for using, the information and for marketing promotion and cross selling to me
their various products and services of the Bank from time to time via telephone, SMS and/or email.
13. Grievance Redressal
Dear Customer, if you have any grievance or complaint, please contact our Customer Care Representative, or visit your nearest Branch. You may
also use Complaint Box or Complaint form available at Branch for submitting your complaints.Please use the following escalation matrix if your
grievances remain unresolved: (in Hindi)
LEVEL 1: BRANCH MANAGER / PHONE BANKING NUMBER / CUSTOMER CARE CENTRE
Please contact our Business Correspondent (BC contact details https://shivalikbank.com/regulatory-section/notice-

board/list-of-business-correspondents) or contact the Branch Manager at your nearest branch office or contact our Phone Banking
Officer at toll free number 1800-202-5333 or send an email to [email protected]
LEVEL 2: NODAL OFFICER

If you are not satisfied with the response received from the Branch/Phone Banking/ Customer Care Centre or if you don't receive a response within
7 working days, you may call or write to the Nodal Officer at the address and contact details provided below:
Nodal Officer
Name of Nodal Officer: Jayatri Singh

2024
Plot No – 2B, 6th Floor, Tower 3, India Glycols Building, Sector 126, Noida-201304
Contact Detail: 0120–4060000 Ext – 189
Email ID: [email protected]
Level 3 :
If you are not satisfied with the response received from the Nodal Officer or if you don't receive a response within 7 working days, please escalate
the same to the Principal Nodal Officer at the address and contact details provided below:
Principal Nodal Officer
Ravi Ratnaker Singh
Name of Principle Nodal Officer: Shivalik Small Finance Bank Ltd.
Plot No – 2B, 6th Floor, Tower 3, India Glycols Building, Sector 126, Noida – 201 304
Phone Number: 0120- 4060000 (Ext – 197)
Email ID: [email protected]
Our Principal Nodal Officer will endeavour to resolve the issue to the complainant’s satisfaction within 7 working days. In case, the complaint needs more
time to examine, the complaint shall be acknowledged by explaining the need for more time to respond.
Escalation to Integrated Ombudsman: We would like to inform all our customers that our bank is covered under THE RESERVE BANK - INTEGRATED
OMBUDSMAN SCHEME, 2021. If you are not satisfied with the resolution provided by the bank or if your grievance is not redressed within 30 days of
submitting your grievance, you may approach Integrated Ombudsman by filing an online complaint at https://cms.rbi.org.in
Complaints may also be submitted through physical mode to the ‘Centralized Receipt and Processing Centre’ (CRPC) established at Chandigarh
Address of CRPC: Centralized Receipt and Processing Centre (CRPC),

Reserve Bank of India, Central Vista, Sector 17,
Chandigarh – 160017 Email - [email protected]
RBI Contact Centre with toll free number – 14448
14. Engagement of Recovery Agent
(a) The Borrower acknowledges and agrees that the Bank or its Business Correspondent, at sole discretion of the Bank, may appoint a recovery agent to
act on behalf of the Bank in the event of any default by the Borrower in repaying the loan or any outstanding dues. The Bank reserves the right to assign,
reassign, or replace the recovery agent without prior notice to the Borrower.
(b)The appointed recovery agent shall have the authority to: (a) Collect overdue amounts, including principal, interest, penalties, and other charges, from
the Borrower on behalf of the Bank. (b) Negotiate, compromise, or settle any outstanding amounts owed by the Borrower, subject to approval from the
Bank. (c) Initiate legal or other actions, including but not limited to repossession of secured assets, in accordance with applicable laws and the terms of this
agreement.
(c)The Borrower agrees to cooperate with the recovery agent appointed by the Bank and to provide necessary information or documents requested by the
recovery agent to facilitate recovery. The Borrower shall not prevent or obstruct the recovery agent from performing its duties in any manner.
(d) The recovery agent shall follow all applicable laws, rules, and regulations, including guidelines laid down by the Reserve Bank of India (or relevant
regulatory authority), in performing recovery activities. The Borrower acknowledges that the Bank and the recovery agent shall maintain confidentiality and
follow ethical standards while conducting recovery actions.
(e) All reasonable costs and expenses incurred by the Bank and/or the recovery agent in connection with the recovery process, including legal fees, will be
borne by the Borrower and will be added to the outstanding dues.

2024
(f)The Bank reserves the right to transfer or assign its rights and obligations under this clause to any third party, including the recovery agent, without prior
notice to the Borrower.

2024

2024
Signed by OTP

Date: TueSignature of Borrower
Nov 12 12:03:30 IST
2024

2024
Disbursement Request Form

Date : 12-11-2024 Place: Hyderabad
To,
SHIVALIK SMALL FINANCE BANK
Name of Applicant: Mr. SEELAM DURGA PRASAD
Subject: Request for disbursal for loan
Dear Sir/ Madam,
This is with reference to my loan application dated 12-11-2024 ,I undersigned do hereby request you to issue my loan disbursal as per the details given
herein below:
Loan Particulars
Amount Rs. 1594934
Total Loan Amount Rs. 1604400
Processing Fees + GST Rs. 9466.00
Net Disbursal to Customer Rs. 1594934
Details of Disbursement through RTGS/NEFT/ IMPS FUND Transfer
Beneficiary Name SEELAM DURGA PRASAD
Bank Name Bank of Baroda
Bank A/C Number 50100089247234
IFSC Code HDFC0000512
Disbursement Amount Rs. 1594934
Shivalik Small Finance Bank, may deduct any Outstanding/ Advance EMI/PEMI Interest, Processing Fees+GST, or any other charges including applicable
taxes/fees, cost and expensed as per the accepted sanction terms and/or other conditions, from the total disbursed loan amount without any further
confirmation form the borrower.
Net Outflow to Customer
Disbursal Type Beneficiary Ac. No. Disbursed Amt.
Online 50100089247234 Rs. 1594934
Signed by OTP

2024
Key Fact Statement
S. No. Particulars Values
1 Customer Name Mr. SEELAM DURGA PRASAD
2 Customer ID 549170
3 Loan Proposal/ Account No. 89576
4 Type of Loan Gold Loan
5 Type of Scheme Demand Loans
Disbursal Schedule
1.) Disbursement in stages or 100% upfront

6 100% Upfront
2.) If it is stage wise, mention the clause of loan

agreement having relevant details
7 Sanctioned Loan Amount (in Rupees) Rs. 1604400
8 Net Disbursed Amount Rs. 1594934
9 Loan Tenure 12 Months
10 Annual Percentage Rate (APR)% 22.79%
11 Instalment details
Commencement of End Date of

Type of Repayment, post
Number of EPIs EPI (₹) Disbursement Date
Instalment sanction (EMI Start
date) Repayment
MONTHLY 12 29194.82 12-11-2024 12-12-2024 12-11-2025
*EPI to be calculated basis the actual number of days in a month
Interest Rate (%) &

12 Type (fixed or 22.20% P.A. & Fixed
floating or hybrid)
13 Additional Information in case of Floating rate of interest
Impact of change in
the reference
Reference Benchmark rate (%) Final rate (%) R= Reset periodicity
Spread (%) (S) benchmark for 25 bps
Benchmark (B) (B) + (S) (Months)
change in 'R', change
in.)
NA NA NA NA NA NA
14 Fees / Charges
Payable to RE(A) Payable to third party through RE(B)
Amount (in Rs.) Amount (in Rs.) or

One- time/
One Time/ Recurring or Percentage Percentage (%) as
Recurring
(%) as applicable applicable

2024
Rs. 9466.00
I) Processing fees One-Time (inclusive of NA NA
GST)
II) Valuation Charges NA NA NA NA
15 Details of Contingent charges (in Rs.or %, as applicable)
I) Overdue charges, if any ,in case of delayed payment NA
In the event that the borrower fulfills their obligation by making

monthly instalment payments on or before the due date, the
applicable interest rate for that specific month shall be reduced
to the specified percentage per annum as mentioned in the
table below under 'Rebate'. However, if the borrower fails to
make the payment on or before the due date, the standard
interest rate applicable per annum at the time of loan sanction
shall apply. This provision is designed to incentivize timely
payments and ensure optimal financial terms for the borrower.
For example, if the interest rate offered to a customer is 20%
per annum for a loan amount of Rs 70,000, and the customer
repays on or before the due date, the customer will be eligible
for a rebate of 6% per annum, resulting in a net effective
a.) For Rebate Scheme interest rate of 14% per annum. Once the loan is overdue, the
borrower will not be eligible for a rebate for the remaining loan
tenure.
Loan amount range Rebate Percentage P.A.
<=75,000 6.00%
>75,000 and <=125,000 6.60%
>125,000 and <=200,000 7.80%
>200,000 and <=500,000 9.00%
>500,000 and <=1,000,000 10.80%
>1,000,000 and <=2,000,000 11.40%
>2,000,000 12.00%
II) Other penal charges, if any NA
1.) For 6 Months Loan Tenure: Charges Up to 2% of loan

sanction amount, if loan is closed within 3 months of loan
disbursement
III) Foreclosure charges, if applicable
2.) For 12 Months Loan Tenure: Charges Up to 2% of loan
sanction amount, if loan is closed within 6 months of loan
disbursement
IV) Publication Charges On Actuals
V) Auction Charges On Actuals

2024
VI) Legal Notice Charges On Actuals
VII) Any other charge (please specify) NA
Part 2 (Other qualitative information)
Clause of Loan agreement relating to engagement of For engagement of recovery agents please refer Clause "14"
1
recovery agents "Engagement of Recovery Agent"
Clause of Loan agreement which details grievance For grievance redressal mechanism please refer Clause "13"
2
redressal mechanism "Grievance Redressal" of General Terms & Conditions”.
Phone number and email id of the nodal grievance For grievance redressal mechanism please refer Clause "13"
3
redressal officer "Grievance Redressal" of General Terms & Conditions”.
Whether the loan is, or in future maybe, subject to

4 Yes
transfer to other REs or securitisation (Yes/ No)
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),following additional details
5
may be furnished:
Name of the originating RE, along Name of the partner RE along with its
Blended rate of interest
with 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 approved policy, during which
NA
borrower shall not be charged any penalty on prepayment of loan
ii) Details of LSP acting as recovery agent and authorized to approach the
NA
borrower

2024
Applicant/Borrower Declaration
I/ We, Mr. SEELAM DURGA PRASAD the undersigned (hereinafter referred to as "I" with all its grammatical variations or "the Borrower" and the
term shall include their successors, transferees, novates and permitted assigns) represent and declare that-
a) I am a Citizen of India;
b) Director/Promoter or Member of Promotor Group Companies -I am not a director of a Lender Bank or any other bank. I am not a relative of any of the
directors of Lender Bank.
c) PEP - I declare that I am not a politically exposed person (PEP) nor I am related to any politically exposed person (PEP)
Definition -Politically exposed persons are individuals who are or have been entrusted with prominent public functions in a foreign country, e.g.,
Heads of States or Governments, senior politicians, senior government/ judicial/military officers, senior executives of state-owned corporations,
important political party officials, etc.
d) I have not submitted any application for insolvency, been declared insolvent nor has any insolvency/ bankruptcy proceeding been initiated against
me.
e) The information furnished by me in this Application is true and correct.
f) I have not defaulted on any repayment of any other loan interest or any other amount to any lender or creditor and my name does not appear on the
Reserve Bank of India's ("RBI") list of defaulters and Export & Credit Guarantee Corporation's ("ECGC") caution list or any list/notifications issued by
the RBI with respect to anti money laundering or combating financing of terrorism or any sanctions lists published by the United Nations Security
Council with respect to terrorist related activities;
g) I am the true and lawful owner of the gold ornaments/jewellery and other articles ("Pledged Articles").
h) I am residing at the address given hereinabove and that address is the address for all communications and I shall immediately intimate SHIVALIK
SMALL FINANCE BANK LIMITED, if there is any change in my address.
i) I confirm having read and understood the Standard Terms which would apply to the Facility being requested under this Application Form.
j) I understand that the sanction of the Facility and any disbursement thereunder is at the sole discretion of SHIVALIK SMALL FINANCE BANK
LIMITED, which reserves its right to reject the Application, and that SHIVALIK SMALL FINANCE BANK LIMITED shall not be responsible /liable in
any manner whatsoever for such rejection or any delay in notifying me of such rejection. I understand and agree that SHIVALIK SMALL FINANCE
BANK LIMITED reserve the rights to retain the photographs and documents submitted with this Application.
k) I shall promptly inform Bank about any change in any of the information furnished. The Borrower(s) further undertake to provide any further
information/ documents that Bank and/ or its agents may require.
l) I/We consent/ acknowledge the consent given by the Borrower/ such third parties (as required) to SHIVALIK SMALL FINANCE BANK LIMITED to
obtain Borrower's KYC and credit related information/documents from third parties including Unique Identification Authority of India, Credit Information
Bureau of India Ltd and other entities and also further consents that SHIVALIK SMALL FINANCE BANK LIMITED may, by its self or through
authorised persons, verify any information given, check credit references, employment details and obtain KYC related documents or credit reports to
determine genuineness of the Borrower and/or creditworthiness from time to time. The Borrower(s) have no objection to SHIVALIK SMALL FINANCE
BANK LIMITED exchanging and sharing information with its affiliates, regulatory bodies, governmenteSigned
and credit
usingagencies
Aadhaar and other such authority as
(Leegality.com
may be required. In case there are more than one Borrower(s), each Borrower shall be jointly and severally liable -to
yN5VJvo)
make payments under the Loan I
undertake that there is no change in my KYC information as already submitted to SHIVALIK SMALL FINANCE BANK LIMITED - only applicable in
top-up. Date: Tue Nov 12 12:03:30 IST
2024
m) I agree to receive SMS alerts/Emails/Phone calls related to my/our application status, account activity, service calls (including collections, advisories
and educational informative messages), regulatory updates as well as product use messages/ calls that the bank will send/make, from time to time,
on my /our mobile phone number as mentioned in the in this application form.
n) The valuation of the Gold Security shall be done by an independent assayer appointed by the Bank and the Loan amount shall be determined by the
Bank on the basis of the value of the Gold Security as set out in the valuation report supplied by the assessor. Such value shall be subject to the
market price of the Gold Security from time to time. The amount of the Loan will be conveyed to me/us by and under a sanction letter. I/We agree to
abide by the terms and conditions of the sanction letter.
o) The Gold Security and any other security furnished by me to the Bank will be released only upon payment in full of the said Dues by me to the Bank.
In case the value of Gold Security falls lower than the required margin of the Bank as applicable from time to time, without prejudice to the right to
declare an Event of Default /or to right to sell the Gold Security and/or exercise any other right or remedies available with the Bank hereunder or
under law, I/We shall, within 7 (seven) days of a notice from the Bank in this regard, at the Bank's sole discretion, deposit with the Bank, such
additional security, as may be required. In addition to any general lien or similar right to which the Bank as Bankers may be entitled by law, the Bank
may at any time and without notice to me/us combine or consolidate all or any of the my/our accounts with and liabilities to the Bank and set off or
transfer any sum or sums standing to the credit of any one or more of such accounts in or towards satisfaction of any of the my/our liabilities to the
Bank on any other account or in any other respect, whether such liabilities be actual or contingent, primary or collateral and several or joint.
p) I/We shall pay all costs, charges and expenses, including stamp duty and legal costs on actual basis and other charges and expenses which may be
incurred in preparation of any documents related and/or incidental to the Loan, as also for the enforcement or attempted enforcement of the security
created. I/We authorise you to debit/ credit my/our account(s) kept with Bank towards any charges/ servicing the Gold Loan.
q) I/We agree that, as per RBI guidelines classification of accounts as NPA is done borrower wise and not facility wise and hence it may be noted that in
case of non-payment of dues by the customer in case of any facility availed from Bank and consequently the account is to be classified as NPA, all
other loans accounts of the borrower, with the Bank and shall be classified as NPA as per the guidelines issued by RBI and it shall entitle Bank to
recall all such loans/facilities availed by the same customer from the Bank, irrespective of the regular/repayment in such accounts.
r) Renewal and Enhancement of Loan: SHIVALIK SMALL FINANCE BANK LIMITED may, at the request of the Borrower, renew/enhance the Loan on
such terms and conditions, interest, fees and charges as SHIVALIK SMALL FINANCE BANK LIMITED may prescribe and subject to the continuation
of the pledge over the Gold Security in favour of SHIVALIK SMALL FINANCE BANK LIMITED.
s) I/We have no objection to SHIVALIK SMALL FINANCE BANK LIMITED and/ or its agents providing me/us information on various products, offers and
services provided by SHIVALIK SMALL FINANCE BANK LIMITED through any mode (including telephone calls, SMSs/ emails, letters etc.) and
authorize SHIVALIK SMALL FINANCE BANK LIMITED and/ or its agents for the above purpose. I confirm that laws in relation to the unsolicited
communication referred in "National Do Not Call Registry" as laid down by 'TELECOM REGULATORY AUTHORITY OF INDIA' will not be applicable
for such information/ communication to me.

2024
t) The loan should not be utilised for any illegal or unlawful activities or speculative purpose.
u) The employee/ auditors of the Bank will have the right to verify the purity of the ornaments offered as collateral security adopting the standard
appraisal methods as laid down by the Bank whenever such verification is warranted.
v) Bank Shall have no liability for any loss/ damage caused to the pledged articles due to reasons beyond its control i.e., natural calamities such as fire,
floods, earthquake etc and in such eventualities the borrower shall receive only such compensation if and when received by the Bank from the
settlement of insurance.
Declaration on Pledging Broken Jewellery
I, hereby declare and confirm that the gold ornaments/jewellery provided for availing the loan from the bank is in broken state and request the bank to
accept the same. I further declare that the bank will not be responsible for any further damage to these ornament/s in future, if any.
Broken Jewellery Items.
1. NA 2. NA 3. NA
Declaration on submission of Chain with Black Beads for Gold Loan
I, hereby confirm that I have availed Gold Loan against Chain with black beads & other jewelry items and this has been submitted with my consent. In case
of any default against the extended loan I authorize the bank to auction Chain with black beads along with other jewellery as per the terms and conditions
mentioned and I do not have any objection to the same.
MSME Declaration (Applicable for MSME Loans)
I, Proprietor / Individual of M/s. --------------------- declare that, M/s. --------------------- is engaged into business of Manufacturing / Trading/ Services of ---
------------------ .The original cost / investment (Gross Block) of plant and Machinery / equipment used to run the business was ---------------------
(approximately) The Turnover of my business is --------------------- . Declaration has been given on behest of the bank for PSL Classification.
Declaration by Farmer (Agriculturist) (Not applicable on Non-Agri Loans)
I Mr. SEELAM DURGA PRASAD s/o SRIRAMULU hereby declare that I am a farmer/ sharecropper/ lessee of agriculture land measuring 2.00
acres.
I confirm that amount of loan being raised shall be used for agriculture & allied purposes as mentioned below:
purpose of funds: Agriculture & Allied Activities

I/We also declare that the above information is correct.
Signed by OTP

2024
Annexure
To Whomever It May Concern
This is to confirm that I/We have understood the concepts related to dues, due dates, and classification of our borrower accounts as SMA/NPA under conduct of the accounts
as mentioned below in reference to the Credit facility sanctioned to me/us vide sanction Letter dated 12-11-2024 .
Definitions:
Dues:
The principal / interest/ any charges levied on the loan account which are payable within the period stipulated as per the terms of sanction of the credit facility.
Overdue:
The principal / interest/ any charges levied on the loan account which are payable but have not been paid within the period stipulated as per the terms of sanction of the credit
facility. In other words, any amount due to the bank under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the bank.
Relevance of the Principle of ‘First In First Out’ (FIFO) in appropriation of payments into the borrower account:
The Principle of FIFO i.e., ‘First In, First Out’ accounting method is relevant to arrive at the No. of days of overdue for determining the SMA / NPA status. The FIFO
principle assumes that the oldest outstanding dues in the loan account needs to be cleared first. The FIFO method thus requires that what is due first must be paid by the
borrower first. For example, if in any loan account as on 01.02.2021 there are no overdue and an amount of Rs. X is due for payment towards principal
instalment/interest/charges, any payment being credited on or after 01 02.2021 in the loan account will be used to pay off the dues outstanding on 01.02.2021.
Assuming that nothing is paid /or there is partial payment (Rs Y) of dues during the month of February, the overdue as on 01.03.2021 will be Rs .X-Y. Additionally, an
amount of Rs.Z becomes due as on 01.03.2021, Now any payment /partial payment into the account on or after 01.03.2021 will be first utilized to pay off the partial due of
01.02.2021 ( Rs X - Rs.Y) If there is more recovery than the Rs X - Rs Y. then after recovering dues of 01.02.2021, the remaining amount will be treated as recovery towards
due of 01.03.2021.
Age of oldest Dues:
The age of oldest dues is reckoned in days from the date on which the oldest payment is due and continues to remain unpaid In the aforesaid illustration, if the Dues relating
to 1 st February 2021 remain unpaid till 01.03.2021, the age of the oldest dues is reckoned as 29 days on 02.03.2021.
Non-performing Asset (NPA):
Non-Performing Asset (NPA) is a loan or an advance where interest and/ or instalment of principal remains overdue for a period of more than 90 days in respect of a term
loan.
Classification as Special Mention Account (SMA) and Non-Performing Asset (NPA)
Lending institutions will recognize the incipient stress in loan accounts, immediately on Default, by classifying them as Special Mention Accounts (SMA) The basis of
classification of SMA / NPA Category shall be as follows:
Loans in the nature of Term Loans
SMA Sub-categories Basis for classification - Principal or interest payment or any other amount wholly or partly overdue
SMA-0 Up to 30 days
SMA-1 More than 30 days and up to 60 days
SMA-2 More than 60 days and up to 90 days
NPA More than 90 days
Illustrative movement of an account to SMA category to NPA category based on delay / nonpayment of dues and subsequent upgradation to Standard category at
day end process:

2024
Due Date of Payment Payment Covers Age of SMA / NPA SMA since NPA NPA Date
Payment Date Oldest Categorisation Date / SMA Categorisation
dues in class date
days
01.01.2022 01.01.2022 Entire dues up to 0 NIL NA NA NA

01.01.2022
01.02.2022 01.02.2022 Partly paid dues 1 SMA-0 01.02.2022 NA NA

on 01.02.2022
01.02.2022 02.02.2022 Partly paid dues 2 SMA-0 01.02.2022 NA NA

on 01.02.2022
01.03.2022 Dues of 29 SMA-0 01.02.2022 NA NA

01.02.2022 not
fully paid,
01.03.2022 is also
due at EOD
01.03.2022
Dues of 1 SMA-0 01.03.2022 NA NA

01.02.2022 fully
paid, Due for
01.03.2022 not
paid at EOD
01.03.2022
No payment of 31 SMA-1 01.02.2022 / NA NA

full dues of 03.03.2022
01.02.2022 and
01.03.2022 at
EOD 03.03.2022
Dues of 1 SMA-0 01.03.2022 NA NA

01.02.2022 fully
paid, Due for
01.03.2022 not
fully paid at EOD
1.03.2022
01.04.2022 No payment of 60 SMA-1 01.02.2022 / NA NA

dues of 03.03.2022
01.02.2022,
01.03.2022 and
amount due on
01.4.2022 at EOD
01.04.2022
No payment of 61 SMA-2 01.02.2022 / NA Date: TueNA
Nov 12 12:03:30 IST
dues of 02.04.2022 2024
01.02.2022 till
01.04.22 at EOD
02.04.2022
01.05.2022 No payment of 90 SMA-2 01.02.2022 / NA NA

dues of 02.04.2022
01.02.2022 till

2024
01.05.22 at EOD
01.05.2022
No payment of 91 NPA NA NPA 02.05.2022

dues of
01.02.2022 till
01.05.2022 at
EOD 02.05.2022
01.06.2022 01.06.2022 Fully Paid dues of 93 NPA NA NPA 02.05.2022

01.02.2022 at
EOD 01.06.2022
01.07.2022 01.07.2022 Paid entire dues 62 NPA NA NPA 02.05.2022

of 01.03.2022 &
01.04.2022 at
EOD 01.07.2022

of 01.05.2022 &
01.06.2022 at
EOD 01.08.2022

of 01.07.2022 &
01.08.2022 at
EOD 01.09.2022
01.10.2022 01.10.2022 Paid entire dues 0 Standard Account with NA NA STD from
of 01.09.2022 & No Overdues 01.10.2022
01.10.2022
I/we also understand that the aforesaid few examples are illustrative and not exhaustive in nature covering common scenarios, and that, the IRACP norms and clarifications
provided by RBI on the subjects referred above will prevail.
From: Mr/Ms/ M/s: Mr. SEELAM DURGA PRASAD 6-3-1245/408-D block, Raj bhavan staff quarters somajiguda, khairatabad Khairatabad, Hyderabad
TELANGANA 500041 .
(Name and address of the borrowers)
Signed by OTP
Date: 12-11-2024
Place: Hyderabad

2024
The Branch Manager

Branch – Hyderabad
Dear Sir,
I/ We have examined and assessed the gold Ornament/Jewellery and hereby certify the purity and weight of the gold ornaments/jewellery as specified in below
table:
*Gold Value of
Gross Pure
No of Stone wt. Dirt Net Wt. Melting Gold Market security
Details of Item wt. melting Carat
Pcs (grams) (grams) Assessment Wt. Rate @
(grams) loss (grams) 22 (₹)
(grams) Carat*
Chain 1 29.9 0 0 29.9 20K 83.3% 24.9 7066 192066.84
Ring 3 14.2 1.2 0 13 21K 87.5% 11.37 7066 87682.66
Mangalsutra 1 45.4 5 0 40.4 22K 91.6% 37 7066 285466.4
Bracelet 1 20.2 0 0 20.2 22K 91.6% 18.5 7066 142733.2
Chain 1 18.8 0 0 18.8 22K 91.6% 17.22 7066 132840.8
Bracelet 1 16 0 0 16 22K 91.6% 14.65 7066 113056
Chain 1 33.9 1.9 0 32 22K 91.6% 29.31 7066 226112
Chain 1 8.3 0 0 8.3 22K 91.6% 7.6 7066 58647.8
Bangle 4 39.1 0 0 39.1 22K 91.6% 35.81 7066 276280.6
Stud
8 26.1 1.1 0 25 21K 87.5% 21.87 7066 168620.5
Earrings
Necklace 1 34.3 0.3 0 34 22K 91.6% 31.14 7066 240244

2024
286.2 9.5 276.7 249.37 Rs.

Total 23
Grams Grams
0
Grams Grams 1923750.8
I hereby declare and certify that:
• The ornament mentioned in the above schedule has been tested by me.
• They are made of gold and are of the gross weight, net weight and the appraised value as per details furnished in the Schedule. I guarantee the
above Valuation.
Divyansh Saxena & 1190

Emp code & Signature of Valuer 1 With Stamp Emp code & Signature of Valuer 2 With Stamp
Date: 12-11-2024
Place: Hyderabad
For office use only
Value of Security Loan to Value ratio Loan eligibility Amount Sanctioned ROI Applied Approved Discount ROI Sanctioned
Rs. 1923750.8 83.4 Rs. 1604400 Rs. 1604400 22.20% 22.20%
Divyansh Saxena & 1190
(BC representative 1- Name & Emp code)
Signed by OTP
(BC representative 2- Name & Emp code)

2024

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Registered office at 501, Salcon Aurum, Jasola District Centre, New Delhi, South Delhi -110 025.

GST No: 09ABDCS9427Q1ZF; CIN: U65900DL2020PLC366027 www.shivalikbank.com

Gold Loan Application Form

Occupation Details: Applicant Photograph

Application Number: 89576 Nationality: Indian

Mr. SEELAM DURGA PAN Card

Email Address: NA Primary

ANY OTHER ALLIED Father/Husband

Nominee Nominee Ph.

Bank Branch HYDERABAD - RAJ

Details of the Pledged Articles

eSigned using Aadhaar

23 286.2 Grams 276.7 Grams 1762969

eSigned using Aadhaar

Acknowledgment of Gold Loan Application Form (To be Handed Over to Customer)

GOLD DEPOSIT RECEIPT

CUID No.: 549170 Applicants Name: - Mr. SEELAM DURGA PRASAD

Plot No. 8/A, Road No. 2/5 & 2

Applicant Photograph Jewelery Photograph

Details of the Pledged Articles

Qty Gross Weight (grams) Net Weight (grams) Packet No.

23 286.2 Grams 276.7 Grams 1762969

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SANCTIONED TERMS & CONDITIONS

• Principal Amount: Rs. 1604400

• Tenure: 12 Months (Subject to Standard Terms)

• Repayment Frequency: Monthly

• Processing Fee+GST: Rs. 9466.00

• Rate of Interest: 22.20% P.A.

• Rate of Interest Type : Fixed

• Mode of Computation: Simple Interest

• Disbursal Date: 12-11-2024

• Principal Due Date: 12-11-2025 (Subject to Standard Terms)

• Purpose: ANY OTHER ALLIED ACTIVITY PURPOSE

• Insurance Charges: NIL

• Annualised Percentage Rate: 22.79% P.A.

Schedule of Charges (Exclusive of Taxes)

Processing Fees + GST Rs. 9466.00

Auction Charges As per Actuals

SOA issuance Charges NA

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General Terms & Conditions

1. Sanction and Disbursement

2. Interest, other charges and Payments:

3. Terms in relation to Gold Ornaments/Jewellery:

4. Valuation of Pledged Articles:

eSigned using Aadhaar

7.7 If any of my representations are found to be false, misleading or incorrect.

7.13.6 Enforce any rights available to it under any law or contract.

Loan Amount Range Rebate Percentage P.A.

>75,000 and <=1,25,000 6.60%

>1,25,000 and <=2,00,000 7.80%

eSigned using Aadhaar

>2,00,000 and <=5,00,000 9.00%

>5,00,000 and <=10,00,000 10.80%

>10,00,000 and <=20,00,000 11.40%

11. Asset Classification

Classification DPD Bucket range Description

13. Grievance Redressal