Date:05/01/2024 Reference No: LAI-00300401

Mr. Kalyan (Co-Applicant: Rekha )

malviya petrol pump ke piche, 74 gurunanak nagar, Indore, Indore, Madhya Pradesh - 452010
Indore,Madhya Pradesh-452010,India

Dear Mr. Kalyan (Co-Applicant: Rekha )

Sub: Your application for a Loan for Repair / Renovation / Extension from Home First Finance Company India Ltd. (HFFC)
Thank you for applying for a Home Loan from HFFC. We are pleased to inform you that your application for the Home Loan has been approved as per the terms mentioned
below:
House,80, Kalyan Jatav (Renovation/Extention)
Property Description Plot No. 80 Gurunanak Colony, Indore
Indore, 452010
Loan Amount Rs.792,000 /-
Security Equitable Mortgage of Property
Tenure 20 Years
HFFC PLR 16.75 %
Interest Rate(P.A,Calculated on
14.25 % [HFFC-PLR(-) 2.50 %]
monthly rests)
Type of Interest Diminishing, Floating Rate
Equated Monthly
Rs.9,993 /-
Installment(EMI)
Login Fees Rs.2,950/- (Includes GST @ 18%)
Project Appraisal Charges Rs.11,800/- (Includes GST @ 18%)
Special Credit Conditions
Terms and conditions of sanction of Loan for Repair / Renovation / Extension :
1. This Loan is subject to and shall be governed by the terms of the Loan Agreement to be executed between the applicant/borrower and HFFC.
2. The EMI mentioned above shall be payable from the 4th of the first month after complete disbursal of Loan amount/registration/possession of the property. Prior to
commencement of EMI, interest (Pre-EMI interest) shall be charged on the loan amount disbursed. Disbursals will be based on the schedule of payments indicated by the
builder. Interest charges on the disbursed amount shall be billed and become due on the 4th of each month.
3. The applicant/borrower agrees to provide all information and assistance to HFFC required in connection with the sanction, utilization of the Loan amount and anyother
information that HFFC may deem fit. In the event that HFFC is privy to any information that HFFC considers incorrect, misleading or that has been willfully concealed or
which may impact the loan repayment, the terms of sanction of the loan may be altered or withdrawn.
4. This sanction will remain in force only upon the execution/receipt of the following documents: (to be submitted within 15 days from the date of this sanction letter)
a. HFFC Loan Agreement
b. Original Agreement for Sale and Original Construction Agreement (Builder-Buyer Agreements)
c. Original Receipts for payments made to builder
d. NOC from builder
e. Cheque for processing fee for amount mentioned above favouring 'Home First Finance Company India Ltd.'
f. PDCs/ACH-Mandate for repayment of Pre-EMI and EMI
5. The loan amount is subject to change depending on variation in property price in order to adhere to Loan to Value norms.
Important
1. In the event a cheque provided by the applicant towards the processing amount mentioned above is dishonored for any reason, this sanction shall be rendered
invalid with immediate effect.
2. Original Sale Deed for the property has to be submitted within 15 days of registration of property
3. Stamp duty, e-filing charges, CERSAI filing charges and other statutory dues applicable on the Equitable Mortgage, will be charged in addition to processing fees
and will be payable by the borrower.
This sanction letter shall be valid for a period of 30 days, subject to legal/technical valuation and clearance. Failure of the applicant to accept the sanction within such time
shall render the sanction invalid. Pre-EMI payment option will be available during the moratorium period of 48 months from the date of first disbursal. Thank You for
choosing Home First Finance Company India Ltd. for your Home Loan facility.

*Please note that this is a system generated document and does not need signature*

I/We agree to the above terms and conditions and agree to furnish in this connection any details required by HFFC.
(Borrower/s)(Co-Borrower/s)
Opportunity Name Kalyan
ROI 14.25
Loan Amount 792000.0
Tenure 240.0

PaymentNo Month Principal Interest Amount Balance Due Date

1 March 2024 587.81 9405.00 9992.81 791412.19 04-03-2024
2 April 2024 594.79 9398.02 9992.81 790817.40 04-04-2024
3 May 2024 601.85 9390.96 9992.81 790215.55 04-05-2024
4 June 2024 609.00 9383.81 9992.81 789606.55 04-06-2024
5 July 2024 616.23 9376.58 9992.81 788990.32 04-07-2024
6 August 2024 623.55 9369.26 9992.81 788366.77 04-08-2024
7 September 2024 630.95 9361.86 9992.81 787735.82 04-09-2024
8 October 2024 638.45 9354.36 9992.81 787097.37 04-10-2024
9 November 2024 646.03 9346.78 9992.81 786451.34 04-11-2024
10 December 2024 653.70 9339.11 9992.81 785797.64 04-12-2024
11 January 2025 661.46 9331.35 9992.81 785136.18 04-01-2025
12 February 2025 669.32 9323.49 9992.81 784466.86 04-02-2025
13 March 2025 677.27 9315.54 9992.81 783789.59 04-03-2025
14 April 2025 685.31 9307.50 9992.81 783104.28 04-04-2025
15 May 2025 693.45 9299.36 9992.81 782410.83 04-05-2025
16 June 2025 701.68 9291.13 9992.81 781709.15 04-06-2025
17 July 2025 710.01 9282.80 9992.81 780999.14 04-07-2025
18 August 2025 718.45 9274.36 9992.81 780280.69 04-08-2025
19 September 2025 726.98 9265.83 9992.81 779553.71 04-09-2025
20 October 2025 735.61 9257.20 9992.81 778818.10 04-10-2025
21 November 2025 744.35 9248.46 9992.81 778073.75 04-11-2025
22 December 2025 753.18 9239.63 9992.81 777320.57 04-12-2025
23 January 2026 762.13 9230.68 9992.81 776558.44 04-01-2026
24 February 2026 771.18 9221.63 9992.81 775787.26 04-02-2026
25 March 2026 780.34 9212.47 9992.81 775006.92 04-03-2026
26 April 2026 789.60 9203.21 9992.81 774217.32 04-04-2026
27 May 2026 798.98 9193.83 9992.81 773418.34 04-05-2026
28 June 2026 808.47 9184.34 9992.81 772609.87 04-06-2026
29 July 2026 818.07 9174.74 9992.81 771791.80 04-07-2026
30 August 2026 827.78 9165.03 9992.81 770964.02 04-08-2026
31 September 2026 837.61 9155.20 9992.81 770126.41 04-09-2026
32 October 2026 847.56 9145.25 9992.81 769278.85 04-10-2026
33 November 2026 857.62 9135.19 9992.81 768421.23 04-11-2026
34 December 2026 867.81 9125.00 9992.81 767553.42 04-12-2026
35 January 2027 878.11 9114.70 9992.81 766675.31 04-01-2027
36 February 2027 888.54 9104.27 9992.81 765786.77 04-02-2027
37 March 2027 899.09 9093.72 9992.81 764887.68 04-03-2027
38 April 2027 909.77 9083.04 9992.81 763977.91 04-04-2027
39 May 2027 920.57 9072.24 9992.81 763057.34 04-05-2027
40 June 2027 931.50 9061.31 9992.81 762125.84 04-06-2027
41 July 2027 942.57 9050.24 9992.81 761183.27 04-07-2027
42 August 2027 953.76 9039.05 9992.81 760229.51 04-08-2027
43 September 2027 965.08 9027.73 9992.81 759264.43 04-09-2027
44 October 2027 976.54 9016.27 9992.81 758287.89 04-10-2027
45 November 2027 988.14 9004.67 9992.81 757299.75 04-11-2027
46 December 2027 999.88 8992.93 9992.81 756299.87 04-12-2027
47 January 2028 1011.75 8981.06 9992.81 755288.12 04-01-2028
48 February 2028 1023.76 8969.05 9992.81 754264.36 04-02-2028
49 March 2028 1035.92 8956.89 9992.81 753228.44 04-03-2028
50 April 2028 1048.22 8944.59 9992.81 752180.22 04-04-2028
51 May 2028 1060.67 8932.14 9992.81 751119.55 04-05-2028
52 June 2028 1073.27 8919.54 9992.81 750046.28 04-06-2028
53 July 2028 1086.01 8906.80 9992.81 748960.27 04-07-2028
54 August 2028 1098.91 8893.90 9992.81 747861.36 04-08-2028
55 September 2028 1111.96 8880.85 9992.81 746749.40 04-09-2028
56 October 2028 1125.16 8867.65 9992.81 745624.24 04-10-2028
57 November 2028 1138.52 8854.29 9992.81 744485.72 04-11-2028
58 December 2028 1152.04 8840.77 9992.81 743333.68 04-12-2028
59 January 2029 1165.72 8827.09 9992.81 742167.96 04-01-2029
60 February 2029 1179.57 8813.24 9992.81 740988.39 04-02-2029
61 March 2029 1193.57 8799.24 9992.81 739794.82 04-03-2029
62 April 2029 1207.75 8785.06 9992.81 738587.07 04-04-2029
 63 May 2029 1222.09 8770.72 9992.81 737364.98 04-05-2029
64 June 2029 1236.60 8756.21 9992.81 736128.38 04-06-2029
65 July 2029 1251.29 8741.52 9992.81 734877.09 04-07-2029
66 August 2029 1266.14 8726.67 9992.81 733610.95 04-08-2029
67 September 2029 1281.18 8711.63 9992.81 732329.77 04-09-2029
68 October 2029 1296.39 8696.42 9992.81 731033.38 04-10-2029
69 November 2029 1311.79 8681.02 9992.81 729721.59 04-11-2029
70 December 2029 1327.37 8665.44 9992.81 728394.22 04-12-2029
71 January 2030 1343.13 8649.68 9992.81 727051.09 04-01-2030
72 February 2030 1359.08 8633.73 9992.81 725692.01 04-02-2030
73 March 2030 1375.22 8617.59 9992.81 724316.79 04-03-2030
74 April 2030 1391.55 8601.26 9992.81 722925.24 04-04-2030
75 May 2030 1408.07 8584.74 9992.81 721517.17 04-05-2030
76 June 2030 1424.79 8568.02 9992.81 720092.38 04-06-2030
77 July 2030 1441.71 8551.10 9992.81 718650.67 04-07-2030
78 August 2030 1458.83 8533.98 9992.81 717191.84 04-08-2030
79 September 2030 1476.16 8516.65 9992.81 715715.68 04-09-2030
80 October 2030 1493.69 8499.12 9992.81 714221.99 04-10-2030
81 November 2030 1511.42 8481.39 9992.81 712710.57 04-11-2030
82 December 2030 1529.37 8463.44 9992.81 711181.20 04-12-2030
83 January 2031 1547.53 8445.28 9992.81 709633.67 04-01-2031
84 February 2031 1565.91 8426.90 9992.81 708067.76 04-02-2031
85 March 2031 1584.51 8408.30 9992.81 706483.25 04-03-2031
86 April 2031 1603.32 8389.49 9992.81 704879.93 04-04-2031
87 May 2031 1622.36 8370.45 9992.81 703257.57 04-05-2031
88 June 2031 1641.63 8351.18 9992.81 701615.94 04-06-2031
89 July 2031 1661.12 8331.69 9992.81 699954.82 04-07-2031
90 August 2031 1680.85 8311.96 9992.81 698273.97 04-08-2031
91 September 2031 1700.81 8292.00 9992.81 696573.16 04-09-2031
92 October 2031 1721.00 8271.81 9992.81 694852.16 04-10-2031
93 November 2031 1741.44 8251.37 9992.81 693110.72 04-11-2031
94 December 2031 1762.12 8230.69 9992.81 691348.60 04-12-2031
95 January 2032 1783.05 8209.76 9992.81 689565.55 04-01-2032
96 February 2032 1804.22 8188.59 9992.81 687761.33 04-02-2032
97 March 2032 1825.64 8167.17 9992.81 685935.69 04-03-2032
98 April 2032 1847.32 8145.49 9992.81 684088.37 04-04-2032
99 May 2032 1869.26 8123.55 9992.81 682219.11 04-05-2032
100 June 2032 1891.46 8101.35 9992.81 680327.65 04-06-2032
101 July 2032 1913.92 8078.89 9992.81 678413.73 04-07-2032
102 August 2032 1936.65 8056.16 9992.81 676477.08 04-08-2032
103 September 2032 1959.64 8033.17 9992.81 674517.44 04-09-2032
104 October 2032 1982.92 8009.89 9992.81 672534.52 04-10-2032
105 November 2032 2006.46 7986.35 9992.81 670528.06 04-11-2032
106 December 2032 2030.29 7962.52 9992.81 668497.77 04-12-2032
107 January 2033 2054.40 7938.41 9992.81 666443.37 04-01-2033
108 February 2033 2078.79 7914.02 9992.81 664364.58 04-02-2033
109 March 2033 2103.48 7889.33 9992.81 662261.10 04-03-2033
110 April 2033 2128.46 7864.35 9992.81 660132.64 04-04-2033
111 May 2033 2153.73 7839.08 9992.81 657978.91 04-05-2033
112 June 2033 2179.31 7813.50 9992.81 655799.60 04-06-2033
113 July 2033 2205.19 7787.62 9992.81 653594.41 04-07-2033
114 August 2033 2231.38 7761.43 9992.81 651363.03 04-08-2033
115 September 2033 2257.87 7734.94 9992.81 649105.16 04-09-2033
116 October 2033 2284.69 7708.12 9992.81 646820.47 04-10-2033
117 November 2033 2311.82 7680.99 9992.81 644508.65 04-11-2033
118 December 2033 2339.27 7653.54 9992.81 642169.38 04-12-2033
119 January 2034 2367.05 7625.76 9992.81 639802.33 04-01-2034
120 February 2034 2395.16 7597.65 9992.81 637407.17 04-02-2034
121 March 2034 2423.60 7569.21 9992.81 634983.57 04-03-2034
122 April 2034 2452.38 7540.43 9992.81 632531.19 04-04-2034
123 May 2034 2481.50 7511.31 9992.81 630049.69 04-05-2034
124 June 2034 2510.97 7481.84 9992.81 627538.72 04-06-2034
125 July 2034 2540.79 7452.02 9992.81 624997.93 04-07-2034
126 August 2034 2570.96 7421.85 9992.81 622426.97 04-08-2034
127 September 2034 2601.49 7391.32 9992.81 619825.48 04-09-2034
128 October 2034 2632.38 7360.43 9992.81 617193.10 04-10-2034
129 November 2034 2663.64 7329.17 9992.81 614529.46 04-11-2034
130 December 2034 2695.27 7297.54 9992.81 611834.19 04-12-2034
131 January 2035 2727.28 7265.53 9992.81 609106.91 04-01-2035
132 February 2035 2759.67 7233.14 9992.81 606347.24 04-02-2035
133 March 2035 2792.44 7200.37 9992.81 603554.80 04-03-2035
134 April 2035 2825.60 7167.21 9992.81 600729.20 04-04-2035
135 May 2035 2859.15 7133.66 9992.81 597870.05 04-05-2035
136 June 2035 2893.10 7099.71 9992.81 594976.95 04-06-2035
137 July 2035 2927.46 7065.35 9992.81 592049.49 04-07-2035
138 August 2035 2962.22 7030.59 9992.81 589087.27 04-08-2035
139 September 2035 2997.40 6995.41 9992.81 586089.87 04-09-2035
140 October 2035 3032.99 6959.82 9992.81 583056.88 04-10-2035
141 November 2035 3069.01 6923.80 9992.81 579987.87 04-11-2035
142 December 2035 3105.45 6887.36 9992.81 576882.42 04-12-2035
143 January 2036 3142.33 6850.48 9992.81 573740.09 04-01-2036
144 February 2036 3179.65 6813.16 9992.81 570560.44 04-02-2036
145 March 2036 3217.40 6775.41 9992.81 567343.04 04-03-2036
146 April 2036 3255.61 6737.20 9992.81 564087.43 04-04-2036
147 May 2036 3294.27 6698.54 9992.81 560793.16 04-05-2036
148 June 2036 3333.39 6659.42 9992.81 557459.77 04-06-2036
149 July 2036 3372.98 6619.83 9992.81 554086.79 04-07-2036
150 August 2036 3413.03 6579.78 9992.81 550673.76 04-08-2036
151 September 2036 3453.56 6539.25 9992.81 547220.20 04-09-2036
152 October 2036 3494.57 6498.24 9992.81 543725.63 04-10-2036
153 November 2036 3536.07 6456.74 9992.81 540189.56 04-11-2036
154 December 2036 3578.06 6414.75 9992.81 536611.50 04-12-2036
155 January 2037 3620.55 6372.26 9992.81 532990.95 04-01-2037
156 February 2037 3663.54 6329.27 9992.81 529327.41 04-02-2037
157 March 2037 3707.05 6285.76 9992.81 525620.36 04-03-2037
158 April 2037 3751.07 6241.74 9992.81 521869.29 04-04-2037
159 May 2037 3795.61 6197.20 9992.81 518073.68 04-05-2037
160 June 2037 3840.69 6152.12 9992.81 514232.99 04-06-2037
161 July 2037 3886.29 6106.52 9992.81 510346.70 04-07-2037
162 August 2037 3932.44 6060.37 9992.81 506414.26 04-08-2037
163 September 2037 3979.14 6013.67 9992.81 502435.12 04-09-2037
164 October 2037 4026.39 5966.42 9992.81 498408.73 04-10-2037
165 November 2037 4074.21 5918.60 9992.81 494334.52 04-11-2037
166 December 2037 4122.59 5870.22 9992.81 490211.93 04-12-2037
167 January 2038 4171.54 5821.27 9992.81 486040.39 04-01-2038
168 February 2038 4221.08 5771.73 9992.81 481819.31 04-02-2038
169 March 2038 4271.21 5721.60 9992.81 477548.10 04-03-2038
170 April 2038 4321.93 5670.88 9992.81 473226.17 04-04-2038
171 May 2038 4373.25 5619.56 9992.81 468852.92 04-05-2038
172 June 2038 4425.18 5567.63 9992.81 464427.74 04-06-2038
173 July 2038 4477.73 5515.08 9992.81 459950.01 04-07-2038
174 August 2038 4530.90 5461.91 9992.81 455419.11 04-08-2038
175 September 2038 4584.71 5408.10 9992.81 450834.40 04-09-2038
176 October 2038 4639.15 5353.66 9992.81 446195.25 04-10-2038
177 November 2038 4694.24 5298.57 9992.81 441501.01 04-11-2038
178 December 2038 4749.99 5242.82 9992.81 436751.02 04-12-2038
179 January 2039 4806.39 5186.42 9992.81 431944.63 04-01-2039
180 February 2039 4863.47 5129.34 9992.81 427081.16 04-02-2039
181 March 2039 4921.22 5071.59 9992.81 422159.94 04-03-2039
182 April 2039 4979.66 5013.15 9992.81 417180.28 04-04-2039
183 May 2039 5038.79 4954.02 9992.81 412141.49 04-05-2039
184 June 2039 5098.63 4894.18 9992.81 407042.86 04-06-2039
185 July 2039 5159.18 4833.63 9992.81 401883.68 04-07-2039
186 August 2039 5220.44 4772.37 9992.81 396663.24 04-08-2039
187 September 2039 5282.43 4710.38 9992.81 391380.81 04-09-2039
188 October 2039 5345.16 4647.65 9992.81 386035.65 04-10-2039
189 November 2039 5408.64 4584.17 9992.81 380627.01 04-11-2039
190 December 2039 5472.86 4519.95 9992.81 375154.15 04-12-2039
191 January 2040 5537.85 4454.96 9992.81 369616.30 04-01-2040
192 February 2040 5603.62 4389.19 9992.81 364012.68 04-02-2040
193 March 2040 5670.16 4322.65 9992.81 358342.52 04-03-2040
194 April 2040 5737.49 4255.32 9992.81 352605.03 04-04-2040
195 May 2040 5805.63 4187.18 9992.81 346799.40 04-05-2040
196 June 2040 5874.57 4118.24 9992.81 340924.83 04-06-2040
197 July 2040 5944.33 4048.48 9992.81 334980.50 04-07-2040
198 August 2040 6014.92 3977.89 9992.81 328965.58 04-08-2040
199 September 2040 6086.34 3906.47 9992.81 322879.24 04-09-2040
200 October 2040 6158.62 3834.19 9992.81 316720.62 04-10-2040
201 November 2040 6231.75 3761.06 9992.81 310488.87 04-11-2040
202 December 2040 6305.75 3687.06 9992.81 304183.12 04-12-2040
203 January 2041 6380.64 3612.17 9992.81 297802.48 04-01-2041
204 February 2041 6456.41 3536.40 9992.81 291346.07 04-02-2041
205 March 2041 6533.08 3459.73 9992.81 284812.99 04-03-2041
206 April 2041 6610.66 3382.15 9992.81 278202.33 04-04-2041
207 May 2041 6689.16 3303.65 9992.81 271513.17 04-05-2041
208 June 2041 6768.59 3224.22 9992.81 264744.58 04-06-2041
209 July 2041 6848.97 3143.84 9992.81 257895.61 04-07-2041
210 August 2041 6930.30 3062.51 9992.81 250965.31 04-08-2041
211 September 2041 7012.60 2980.21 9992.81 243952.71 04-09-2041
212 October 2041 7095.87 2896.94 9992.81 236856.84 04-10-2041
213 November 2041 7180.14 2812.67 9992.81 229676.70 04-11-2041
214 December 2041 7265.40 2727.41 9992.81 222411.30 04-12-2041
215 January 2042 7351.68 2641.13 9992.81 215059.62 04-01-2042
216 February 2042 7438.98 2553.83 9992.81 207620.64 04-02-2042
217 March 2042 7527.31 2465.50 9992.81 200093.33 04-03-2042
218 April 2042 7616.70 2376.11 9992.81 192476.63 04-04-2042
219 May 2042 7707.15 2285.66 9992.81 184769.48 04-05-2042
220 June 2042 7798.67 2194.14 9992.81 176970.81 04-06-2042
221 July 2042 7891.28 2101.53 9992.81 169079.53 04-07-2042
222 August 2042 7984.99 2007.82 9992.81 161094.54 04-08-2042
223 September 2042 8079.81 1913.00 9992.81 153014.73 04-09-2042
224 October 2042 8175.76 1817.05 9992.81 144838.97 04-10-2042
225 November 2042 8272.85 1719.96 9992.81 136566.12 04-11-2042
226 December 2042 8371.09 1621.72 9992.81 128195.03 04-12-2042
227 January 2043 8470.49 1522.32 9992.81 119724.54 04-01-2043
228 February 2043 8571.08 1421.73 9992.81 111153.46 04-02-2043
229 March 2043 8672.86 1319.95 9992.81 102480.60 04-03-2043
230 April 2043 8775.85 1216.96 9992.81 93704.75 04-04-2043
231 May 2043 8880.07 1112.74 9992.81 84824.68 04-05-2043
232 June 2043 8985.52 1007.29 9992.81 75839.16 04-06-2043
233 July 2043 9092.22 900.59 9992.81 66746.94 04-07-2043
234 August 2043 9200.19 792.62 9992.81 57546.75 04-08-2043
235 September 2043 9309.44 683.37 9992.81 48237.31 04-09-2043
236 October 2043 9419.99 572.82 9992.81 38817.32 04-10-2043
237 November 2043 9531.85 460.96 9992.81 29285.47 04-11-2043
238 December 2043 9645.05 347.76 9992.81 19640.42 04-12-2043
239 January 2044 9759.58 233.23 9992.81 9880.84 04-01-2044
240 February 2044 9880.84 111.97 9992.81 0.0 04-02-2044