TVS CREDIT SERVICES LIMITED

M/s Jaya Kannan 20/01/2024

Cuddalore
NEAR BY AMMAN KOIL
Cuddalore
TN 607001
Agmt No. : PY3001CD0320701
Mobile No. : 6380154862
Customer No. : 30072894

Sub: Welcome to the TVS Credit family!

Dear Mr./Ms. Jaya Kannan,

We are happy to welcome you to the ever-growing family of TVS Credit.

Further to your request, we have extended a credit facility to you upon execution of the necessary loan
documents. Also, we confirm that we have collected necessary documents for loan sanction and disbursal,
as mentioned in the annexure.

Attached herewith are some important details with regard to your loan that you will find useful as annexure
to the second schedule of the agreement and as explained to you earlier in vernacular.

Terms and Conditions:

If you are a cash repayment mode customer, ensure that you remit the dues on or before the due
date and collect the acknowledgement.
If you are a PDC / ECS / ADM repayment mode customer, ensure that your bank account is
adequately funded to avoid levy of additional charge for non-receipt of payment (s).
In case of any direct payments through the Mobility App, the SMS received from TVS Credit's domain
is a valid acknowledgement for the payment made by you.
In case of repossession of the asset, you will have to pay tow-away charges, godown charges,
rentals and other expenses incurred by the Company for effecting repossession of the asset.
Company will send the pre-seizure intimation letter to you as per the terms and conditions
mentioned in loan agreement (Intimation letter may be treated / considered with the default
intimation (or) 138 notice intimation on cheque bounce).
Company will send the pre-sale intimation letter to you as per the terms and conditions mentioned in
loan agreement to settle the dues before disposing of the asset
Company will dispose the asset either through online bidding / physical presence of the buyer.
However, the Company will sell / consider the higher price only.
Ensure that your asset is adequately insured at any point of time to protect yourself from theft /
damage / any claims arising from usage of the asset. The Company is not responsible for any loss of
life / damage to the asset.

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Customer Care Number: 044-66123456 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

Schedule of Charges:

Schedule of charges Charges (inclusive of GST)

ACH Failure Charges Rs.500
Bounce Charges Rs.500
Cash Collection / Visit Charges Rs.100 per visit
Credit Verification Charges Rs.118
Duplicate NDC/NOC charges Rs.250
Duplicate Repayment Schedule - hard copy Rs.250
3% on principal outstanding for all interest-bearing
Foreclosure Charges
schemes,Nil for non-interest-bearing schemes
Insurance Related
1. Credit Shield At Actuals
2. Insurance Premium Charges
Legal, Repossession & Incidental Charges At Actuals
For Interest bearing schemes - Rs.1000+Broken period
Loan cancellation charges
interest For non-interest-bearing schemes - Rs.1000
Mandate Registration Charges Rs.118
Mandate Rejection Charges Rs.500
Penal Charges (exclusive of GST) 36% per annum on unpaid installment
Processing Fees Up to 10%
Stamp Duty/Stamping/Franking Charges Rs.250
Statement of Accounts - hard copy Rs.250
Swap Charges Rs.500
Value Added Services
At Actuals
Mobile Protection
Value Added Services
At Actuals
T - Health

“T-Health” includes additional products and benefits or a combination of either of these as provided by
certain identified third-party service providers.

Please refer to the welcome kit for details about the product features and benefits of “T-Health”. Kindly visit
https://tvscs.in/SeyHoai for more detailed terms and conditions related to T-Health

We value your relationship with us and believe that your becoming a part of the TVS Credit family would be
a truly rewarding one. Once again, we extend you a warm welcome and assure you the best of our services
at all times.

Warm Regards,

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Customer Care Number: 044-66123456 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

TVS Credit Services Limited

Please note this is a computer generated letter and hence requires no signature.

If you require any further details on your loan account, please feel free to reach us on 044-66123456 or
email us at [email protected]. Please quote your loan agreement number on all future
correspondences. You may also log in to our website-www.tvscredit.com or download the TVS Credit
Saathi App, to view your latest statement of accounts and other related information.

Other Conditions:

Event of Default by the Borrower(s):

a. Failing to pay EMI or insurance premiums on the due dates
b. Misrepresents facts or fails to produce documents
c. Dies or becomes insolvent or wound up or any criminal proceedings initiated
d. Creates any encumbrance on the asset or uses the asset for illegal activities
e. Any other acts which jeopardizes the interest of the Company
Alteration and Rescheduling of the Instalments:
a. By prepayment of the entire loan amount along with interest and foreclosure charges
b. By request from the Borrower
c. Rate of Interest shall be as per the RBI guidelines as on the date of rescheduling

Repossession:
a. When the Borrower fails to pay any amount or any amount becoming due or if an event of
default occurs
b. After repossession of the asset(s) and after giving notice to the Borrower, if the Borrower fails
to pay the total outstanding amount, interest and expenses, the Company shall have the right
to sell or dispose of the asset as per law
c. The Borrower shall be liable to pay all expenses for the repossession of the asset

Termination:
The agreements shall be terminated only on repayment of the entire loan, interest and all other
charges or on termination of the agreement by the company on events of default.

Company’s Rights:
a. Repossess the asset in event of default
b. Right to sell or dispose or transfer of the asset in the event of default
c. Initiate criminal action for cheque bounce and ECS bounce
d. Initiate arbitration and other proceedings for the recovery of the outstanding amount, interest
and other
expenses
e. Disclose all or any default if committed by the Borrower to CIBIL or any other agency so
authorised by law

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Customer Care Number: 044-66123456 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

Borrower's Details

Customer Name Jaya Kannan Proposal No. 3001CD0320701

Father Name SUBRAMANIYAN Agreement No. PY3001CD0320701

Asset Model OPPO MOBILE A596GB128CPH2617 Customer No. 30072894

Loan Details

Amount Financed Rs. 15699/- No. of Instalments 7

34.27% p.a. (Monthly

Customer IRR (Fixed) First Instalment Date 03-MAR-24
reducing balance method)

Finance Charges Rs. 0/- Last Instalment Date 03-SEP-24

Processing Charges Rs. 471/- Payment Cycle 3

(non- refundable)

Mobile Accidental Damage Credit Shield Insurance

Rs. 0/- Rs. 0/-
/ Liquid Damage Fee Premium With Loan Amount

Health Insurance Premium Extended Warranty Fee

Rs. 0/- Rs. 0/-
with Loan amount with Loan amount

T-HEALTH Subscription fee Cancer Suraksha Insurance

Rs. /- Rs. /-
with Loan Amount Premium with Loan amount

Total Loan Amount Rs. 15000/- Insta Card Enrolment Fee Rs. 699/-

Also, we confirm that we have collected the following documents for loan sanction and disbursal

Application Form YES Proof of Identity YES

Loan Agreement YES Proof of Residence YES

Original DP Receipt YES Proof of Signature YES

Repayment Mode ACH Security PDC (applicable if NO

repayment mode as ECS)

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Customer Care Number: 044-66123456 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

M/s Jaya Kannan 20/01/2024

Cuddalore
NEAR BY AMMAN KOIL
Cuddalore TN
607001

ஒபத எ : PY3001CD0320701
ெமாைப எ : 6380154862
வாைகயாள எ : 30072894

ெபா: TVS கிெர பதி வரேவகிேறா!

அைடய தி/திமதி/ெசவ Jaya Kannan,

வளசிபாைதய ெதாட ேனற கவ TVS கிெர பதி உகைள வரேவபதி

நாக மகிசியைடகிேறா.

உக ேகாைகய ெதாடசியாக, ேதைவயான கட ஆவணகைள நக ெசயபதியத ேப

நாக உக கட வசதிைய வழகியகிேறா. ேம, கட அமதி ம வநிேயாகதி
ெபா பேசைகய றிபளவா அதியாவசிய ஆவணக ெபளைத நாக
உதிெசகிேறா.

இகதட உகள கட ெதாடபான சில கிய வவரகைள, உக ஏகனேவ உக வடார
ெமாழிய வளகியப இத ஒபததி 2வ அடவைண பேசைகயாக இைணதிகிேறா.

வதிைறக ம நிபதைனக:

நக கடைன ெராகமாக திப ெச வாைகயாள எறா, உகள நிைவைய, இதி
நா அேறா அல அத ேபா ெசவைத அதகான ஒைகசீ ெபவைத
உதிெசக.
நக, PDC / ECS / ADM லமாக கடைன திப ெச வாைகயாள எறா, உக
வகிய ேபாதிய அள உளைத உதிெச, பண ெபறபடாத பசதி, த கடணக
வதிகபவைத தவதிக.
ெமாைப ெசயலிக ல ேநரயாக பண ெசதப பசதி, வஎ கிெர
ெடாைமனலி ெபறப எஎஎ ஆன, நக பண ெசதியதகான ஒ ெசலதக
ஒைக ஆ.
ெசா ம  ெகாைக (repossession) ஏப பசதி, நிவன ெசலவழித ேடா-அேவ (Tow-away)
கடண, கிட கடண, வாடைக ம இதர கடணக ஆகியவைற நக ெசதிய பறேக
ம  ெகாைக அமதிகப.
கட ஒபத வதிைறக ம நிபதைனகளப, ஜதி பாக அறிவ கத ஒைற
நிவன உக அ. (இத அறிவ கதமான, தவைண தவத அறிவ (அல)
காேசாைல மகபட றித 138 ேநா ஆகியவட இைண கதபடலா /
ைகயாளபடலா).
கட ஒபத வதிைறக ம நிபதைனகளப, ெசாைத வபைன ெசவத பாக,
நிைவ ெதாைகைய அைடமா, வபைன ைதய அறிவ கத ஒைற நிவன
உக அ.
நிவனமான, ஆைல வைலள லமாகேவா, வாபவட ேநரயாகேவா ெசாைத
வபைன ெச. எத வைகய இதா, அதிகபச வைல மேம ெசா பசீலிகப
/ வகப.
உக ெசா தி ேபாத / ேசதமைடத / அத பயபா காரணமாக ஏதாவ ேகாைக எத
ஆகியைவகள இ உகைள பாகாக, எெபா ேபாதிய அள காப ெசயபபைத
உதிெசக. உயேகா அல ெசாேகா ேசத ஏபடா, அத நிவன
ெபாபாகா.

பதி அவலக: ைசதயா, எ.12, காத நவா கா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2833 2800 ஃேப: 044-2833 2113
காபேர அவலக: எ.29, ெஜயலமி எேட, 3வ தள, ேஹேடா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2828 6500
ஃேப: 044-2828 6570 வைலதள: www.tvscredit.com வாைகயாள ேசைவ எ: 044-66123456 சிஐஎ: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

ெபாதய கடணகள அடவைண:

கடணகள அடவைண கடணக (ஜிஎ உபட)

ACH தவற கடண .500/-

ப கடண .500/-

பண வ / வைக கடண வைக ஒ .100/-

கிெர சபாத கடண .118/-

NDC/NOC நக கடண .250/-

திப ெச அடவைணய நக - அசிடபட .250/-

வ ெபா அைன

திடக அச நிைவய
ய  கடண
3%, வ ெபாதா திடக
என, இைல

காப ெதாடபானைவ:
1. கிெர ஷ உளபயான
2. காப மிய கடண

சடவ, திப ெபத ம தெசய

உளபயான
கடணக:

வ ெபா திடக

.1000/- + ேராக பய வ
கட ர கடண
வ ெபாதா திடக
.1000/-

ேமேட பதி கடண .118/-

ேமேட நிராக கடண .500/-

ெசதபடாத தவைண ம 
அபராத கடண (ஜிஎ வ ேசகபடாத)
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ெசயலாக கடண Up to 10%

திைர வ/திைரயட/ஃராகி கடண .200/-

கண வவர அறிைக - அசிடபட .250/-

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மதி ய ேசைவக

உளபயான
ெமாைப பாகா

மதி ய ேசைவக

உளபயான
T-ெஹ

”T-Health” ஆன, அறியபட சில றாதர ேசைவ வழநகளா அளகபகிற த ராடக
ம பலக அல இவர பலகைள உளடகிற.

இத ”T-Health” ராட அசக ம பலக பறிய வபரகைள அறிய தயெச ெவக
கிைட பாைவயட. T-Health ெதாடைடய வவான வதிைறக ம நிபதைனக அ
https://tvscs.in/SeyHoai ஐ பாைவயட.

எகடனான உக உறைவ நாக மதிபட, வஎ கிெர பதி ஓ அகமாக நக
ேசதிப உைமய மனநிைற அளபதாக இ என நகிேறா. ம  ஒ ைற,
உகைள உளவமாக வரேவ எெபா சிறத ேசைவகைள வழேவா எற உதிைய
உக ைவகிேறா.

பதி அவலக: ைசதயா, எ.12, காத நவா கா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2833 2800 ஃேப: 044-2833 2113
காபேர அவலக: எ.29, ெஜயலமி எேட, 3வ தள, ேஹேடா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2828 6500
ஃேப: 044-2828 6570 வைலதள: www.tvscredit.com வாைகயாள ேசைவ எ: 044-66123456 சிஐஎ: U6592OTN2008PLCO69758
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மிக மயாைதட,

வஎ கிெர சவச

 லிமிெட

இ கணனயா தயாகபட கதமாைகயா ைகெயாபதிகான அவசிய இைல.

உக கட கண ெதாடபாக உக ேம அதிக வவரக ேதைவபடா, தயகாம
044-66123456 எற எண ெதாட ெகாள அல [email protected] எற மினச கவய
ெதயபத. தய ெச உகள கண எைண அைன தகவ பமாறகள
றிபட. எம வாைகயாள ேசைவ பரதிநிதி உக ேதைவயான உதவைய ெசதவா.
ேம, நக www.tvscredit.com எற எம இைணயதளதி ைழ அல வஎ கிெர சாதி
ெசயலிைய பதிவறக ெச உகள சம பதிய கண வவர அறிைக ம அ ெதாடபான இதர
வவரகைள பாைவயடலா.

இதர நிபதைனக :

கட வாகியவ(க) தவைண ெசத தவ பசதி :

a. ெசத ேவய ேததிய EMI அல காப மிய ெசத தவத
b. உைம றபான தகவக தத அல ஆவணகைள ெகாவர தவத
c. மரணத, ெநாேபாத அல வத அல றவய நடவைகக
உளாத
d. ெசாதி ம  வலக ஏேத ஏபத அல ெசாைத சடவேராத
நடவைகக பயபத
e. நிவனதி நெபய களக உடா இனபற ெசயகள ஈபத

தவைணகைள மாத ம ம அடவைணபத :

a. கட ெதாைகைய வ ம ய கண  கடண உபட
ேய ெசவத காரணமாக;
b. வாைகயாள ேகாைக வரெபவத காரணமாக
c. ம அடவைணபத தினத இதிய ச வகி வழிகாதகளப
நைடைறயள வவத
 கணகிடப.

மவாதன :
a. கட வாகியவ, எதெவா ெதாைகைய ெசத தவ ேபா, அல ஏதாவ ெதாைக
நிைவயலி ேபா அல ெசத தவத ேந ேபா.
b. ெசா(க) மவாதன ெசயபட பற, ம கட வாகியவ அறிவ ெகாத
பற, ஒ ேவைள, கடதார, ெமாத நிைவ ெதாைகைய, வ ம ெசலவனகைள
ெசத தவ பசதி, சடவமாக, அத ெசாைத வகேவா, அறபதேவா
நிவனதி உைம உ.
c. ெசா மவாதனதிகா அைன ெசலகைள கட வாகியவ ெசத
கடைமபளா.

தைன :
இத ஒபதக, ெமாத கட ெதாைக, வ ம இதர கடணக ைமயாக திப
ெசதப ேபா அல தவைண ெசத தவறியைதெயா, நிவனதா ஒபத இர
ெசயப ேபா மேம  ைவகப.

நிவனதி உைமக:
a. தவைண ெசத தவ ேபா, ெசாைத மவாதன ெசய .
b. தவைண ெசத தவ ேபா, ெசாைத அறபத அல வக அல உைம
மாற ெசய .
c. காேசாைல ம ECS ப ஆ பசதி, றவய நடவைக ேமெகாள .
d. நிைவ ெதாைகைய வ ம இனபற ெசலகட ேச வலிபத ெபாவ

பதி அவலக: ைசதயா, எ.12, காத நவா கா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2833 2800 ஃேப: 044-2833 2113
காபேர அவலக: எ.29, ெஜயலமி எேட, 3வ தள, ேஹேடா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2828 6500
ஃேப: 044-2828 6570 வைலதள: www.tvscredit.com வாைகயாள ேசைவ எ: 044-66123456 சிஐஎ: U6592OTN2008PLCO69758
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e. CIBIL அல சட அதிகார அளள பற ஏெஜஸி கட வாகியவ அைன
அல எதெவா தவைண தவறைல ெதயபத .

கட வாகியவ வவரக

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தைதய ெபய SUBRAMANIYAN ஒபத எ PY3001CD0320701

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ெமாத கட ெதாைக . 15000/- . 699/-
ேசைக கடண

ேம, கட அமதி ம வநிேயாக ெசவதகாக பவ ஆவணகைள நாக

ெபெகாேடா எபைத உதிபகிேறா.

வணப பவ YES அைடயாள சா YES

கட ஒபத YES ய சா YES

அச DP ரசீ YES ைகெயாபதி சா YES

பாகா PDC (திப

திப ெச ெச ைற ECS
ACH NO
ைறைம ஆக இதா
ெபா)

பதி அவலக: ைசதயா, எ.12, காத நவா கா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2833 2800 ஃேப: 044-2833 2113
காபேர அவலக: எ.29, ெஜயலமி எேட, 3வ தள, ேஹேடா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2828 6500
ஃேப: 044-2828 6570 வைலதள: www.tvscredit.com வாைகயாள ேசைவ எ: 044-66123456 சிஐஎ: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

Repayment Schedule :

Balance Insurance Monthly Due

S.No Due Date EMI (Rs.) Principle (Rs.) Interest (Rs.) Remark
Principle (Rs.) (Rs.) (Rs.)

1 03-03-2024 2243 2243 0 13456 0 2243

2 03-04-2024 2243 2243 0 11213 0 2243

3 03-05-2024 2243 2243 0 8971 0 2243

4 03-06-2024 2243 2243 0 6728 0 2243

5 03-07-2024 2243 2243 0 4485 0 2243

6 03-08-2024 2243 2243 0 2242 0 2243

7 03-09-2024 2243 2243 0 0 0 2243

*Please note:
The disbursement of Loan, i.e., the actual date of transfer of funds by Lender, shall be subject to submission of all the necessary
documents by the Borrower to the satisfaction of the Lender and not immediately upon execution of the Agreement. The final Repayment
Schedule shall be computed from the date of disbursement of Loan and communicated to the Borrower, which shall, in the event of any
conflict, supersede and override the Repayment Schedule which is attached herein with the Agreement. Such subsequent communication
containing the final Repayment Schedule shall be binding on the Borrower and form part and parcel of the Loan Agreement.
The interest shall become payable from the date of disbursement of Loan. The amount of first and last EMI may vary depending upon the
date of disbursement.

Example:
Scenario 1: For Loans disbursed between 01-01-2024 to 4-01-2024 , the Due Date of first EMI shall be on or before 05-02-2024. In this
case the amount of first EMI shall be higher than the rest of the EMI amounts and last EMI amount may be higher or lower than the
remaining EMI amounts.
Scenario 2: For Loans disbursed between 05-01-2024 to 19-01-2024 , the Due Date of first EMI shall be on or before 05-02-2024. In this
case the amount of first EMI shall be same with the rest of the EMI amounts and last EMI amount may be higher or lower than the
remaining EMI amounts.
Scenario 3: For Loans disbursed between 20-01-2024 to 31-01-2024, the Due Date of first EMI shall on 05-03-2024. In this case the amount
of first EMI shall be higher than the rest of the EMI amounts and last EMI amount may be higher or lower than the remaining EMI
amounts.
The above scenarios are only for illustrative purposes. The actual Due Dates and amount of each EMI are to be referred and read from the
final Repayment of Schedule only.

பதி அவலக: ைசதயா, எ.12, காத நவா கா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2833 2800 ஃேப: 044-2833 2113
காபேர அவலக: எ.29, ெஜயலமி எேட, 3வ தள, ேஹேடா ேரா, கபாக, ெசைன-600 006. ெதாைலேபசி: 044-2828 6500
ஃேப: 044-2828 6570 வைலதள: www.tvscredit.com வாைகயாள ேசைவ எ: 044-66123456 சிஐஎ: U6592OTN2008PLCO69758