BAJAJ FINANCE LIMITED ("BFL")

Date:28-09-2024 13:54:36

Sub:Sanction letter cum Charge Slip.

Customer Name SHABEER AHMED Customer Mobile Number 9738772711

Customer Address #OLD NO 249 NEW NO Customer Email ID shabberahmad05@gmail.com

60 6TH MAIN ROAD null
#OLD NO 249 NEW NO
60 6TH MAIN ROAD
NEAR MACCA MASJID
560039 BANGALORE

Add-on Card Holder Name Add-on Card Holder Mobile

Number

Dealer/Merchant/Manufacturer AMAZON ONLINE Dealer/Merchant/Manufacturer 195298

Name DISTRIBUTION Code
SERVICES PL
_BANGALORE

Dear SHABEER AHMED

In reference to your loan request to purchase consumer durable and other value-added service, Bajaj Finance Ltd (“BFL”), has
approved your loan request. This Approval is as per the details provided in:

1. Section 1. Sanction letter cum Charge Slip

2. Section 2. Terms and Conditions

For customer convenience purpose, incase of loan sanctioned for multiple products, BFL shall facilitate opening of separate
sub-loan account for each such product. It would enable ease of understanding to the customer regarding the specific EMI
applicable against the respective product and separate Statement of Account for each Product(s)/services shall be accessible to
the customer.

Please note all details given in respective sections. Your submission of the OTP sent by BFL and/or providing physical signature
will constitute a valid acceptance by you of the Terms and Conditions contained herein and same shall have binding effect on
you.

Thanking You,

Authorised Signatory,
Bajaj Finance Ltd

SECTION 1 Sanction letter cum Charge Slip

Customer ID 127179645 Partner Order ID ZBF48SY01XS116

Purpose of Loan Purchase of Product for Personal Use

Product(s)/Services(s) Consumer Durable Product Price 25498.00
availed on loan Furniture/clothes/
(“Product”) Products/Services

Sanctioned Loan 25498.00 Product Loan Tenure (Months) 9

Amount for availing
Product

Rate of Interest per ROI/Upfront interest payable 0%

annum for Loan: (% p.a.) by Customer (% p.a.)

ROI being paid by BFL’s Internal Rate of Return (IRR) shall be upto 42 % on an
Dealer/Manufacture upfront annualized basis considering the following:
(% p.a.) (a) Interest subsidy/pay-out % (full or in part) received from the
Manufacturer/Dealer/insurance partner directly to BFL; and
(b) ROI/ Upfront interest amount payable by Customer..

Method of Interest Written Down Value

EMI Details

EMI Amount for Product 2833.00

Loan

EMI Start Date 02-11-2024 EMI End Date 02-07-2025

In case of any change in EMI Date, the same shall be communicated in advance through SMS and/or welcome letter, after the
loan is booked.

Down Payment made

Advance EMI Amount 0.00 Advance EMI Tenure 0

Total 0.00

Fees and Charges to be collected along with 1st EMI

Convenience Fee 236.00 Processing Fee (Inclusive of 176.00
(Inclusive of applicable applicable taxes)
taxes)

Bank Details
NACH Mandate (ECS) 85162300420218003943 Account Number 520101259625954

Bank Name UNION BANK OF INDIA IFSC Code UBIN0921441

Sr. Fees and Amount (₹) / Percentage (%)

No. Charges Name

1 Processing Fees Up to ₹ 5000/- (Inclusive of applicable taxes) will be collected along with 1st EMI

2 Bounce Charges Rs.500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment
instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of
payment mandate or non-registration of the payment mandate or any other reason.

3 Penal Charges Delay in payment of instalment(s) shall attract penal charges of Rs. 4/- per day per
instalment from the respective due date until the date of receipt of the full instalment(s)
amount.

4 Convenience Fee ₹ 236/- (Inclusive of applicable taxes) will be collected along with 01st instalment.
5 Pre-payment Full Pre-payment
charges Nil, Any time post disbursement of loan

Part Pre-payment
Nil, Any time post disbursement of loan

*Additional cess as may be applicable in respective state laws will be levied on all the charges. All charges are inclusive of
applicable taxes, unless specially mentioned otherwise.
*The aforementioned charges/fees may be modified by Bajaj Finance Limited from time to time upon prior intimation via
Acceptable Modes of Communication from Bajaj Finance Limited in this regard.
*The Annualized ROI as mentioned on the LTS/Charge slip may marginally vary against the Annualised ROI mentioned on
the Welcome Letter & SOA and rounded to the nearest rupee.

Loan Amortization Schedule for Product:

Repayment Detailed loan repayment schedule covering EMI dates with bifurcation of principal and interest component will
Schedule form part of Welcome Letter, post creation of loan account. The same can also be accessed in Customer
Portal-'Experia' (https://customer-login.bajajfinserv.in/)

REGULATORY REQUIREMENT ILLUSTRATION

Classification as Special Criteria for classification of Loan account, is based on Date of payment of Loan Dues
Mention Account (SMA) / Non-receipt of Principal or interest payment or any (January 07, 2022) & its classification
Non-Performing Asset (NPA) other amount wholly or partly overdue (shortly referred upon non-payment
below as “Loan Dues”)

SMA-0 Non-receipt of Loan Dues till 30 days from the Due SMA-0: Upto February 05, 2022
Date.

SMA-1 Non-receipt of Loan Dues for more than 30 days and SMA-1: On February 06, 2022, it shall
upto 60 days from the Due Date. be classified as SMA-1 if complete
loan dues are not paid to BFL.

SMA-2 Non-receipt of Loan Dues for more than 60 days and up SMA-2: On March 08. 2022, it shall be
to 90 days from the Due Date. classified as SMA-2 if complete loan
dues are not paid to BFL.

NPA Non-receipt of Loan Dues as of 91st day from the Due NPA: On April 07, 2022, it shall be
Date. classified as NPA if complete loan
dues are not paid to BFL.

SECTION 2 Terms and Conditions

I hereby agree, acknowledge, and agree as under:

1) The Loan is availed for buying products/value added services/extended warranty/insurance or for any other general
purpose, except for any speculative activities (“Product(s)”). The loan amount will be disbursed to company/entity who is
providing the products/services for which the loan is being availed.

2) The loan availed shall be governed by Master Terms and Conditions, prescribed by BFL and available on website:
https://www.bajajfinserv.in/master-terms-and-conditions.pdf (https://www.bajajfinserv.in/master-terms-and-
conditions.pdf) (Master Terms).

3) BFL provides an explicit option to the borrower to exit loan within the Cooling off/Look-up period, by repaying the principal
amount and the proportionate Annual Percentage Rate (APR) without any penalty during the said period. For borrowers
continuing with the loan even after Cooling period/Look-up period, option of pre-payment shall continue to be available as
per extant RBI guidelines, as applicable from time to time.
Cooling off/Look-up period is a period of three (3) days from the date of disbursement of the loan provided to the Borrower
as a time window for exiting loans, in case borrower decides not to continue with the loan.

For cancellation of the loan during the Cooling off/Look-up period, Borrower can contact BFL on 8698010101and/or write
to BFL at wecare@bajajfinserv.in

4) I authorize BFL to procure/avail my CIBIL report by recovering the charges specified in the aforesaid table.

5) All the particulars, information and details provided by me for availing the loan are true, correct and up to date in all
respect and I shall keep BFL immediately updated of any change in the information provided.

6) I authorizes BFL to use my existing KYC details and acknowledge that in case of any changes in my registered KYC details, I
shall update such change to BFL.

7) I shall repay the loan through Equated Monthly Instalments (“EMI ”) payable on or before the due date, till discharge of the
entire loan amount with interest & charges as specifically detailed above. The latest fees and changes can also be
accessed through https://www.bajajfinserv.in/all-fees-and-charges (https://www.bajajfinserv.in/all-fees-and-charges).
The fees, charges, Terms and Conditions are subject to change at sole discretion of BFL. Such changes shall be applicable
prospectively and will be communicated through Acceptable Means of Communication.

8) If EMI due date falls on a day which is not a Business Day, the EMI will be presented on the immediate next Business Day.

9) The interest subsidy paid by the manufacturer/dealer/third party service provider, is not refundable. In case the tenure of
said loan is extended solely at my request and/or for any other reason whatsoever, I shall pay the interest at the rate of
24% per annum on the revised EMI due and payable by me, as may be communicated by BFL.

10) Interest rate applicable for consumer durable Loans may vary basis BFL’s internal credit and risk policy and as per an
algorithmic multivariate score card which includes following variables (the variable list mentioned below is not exhaustive):

(i) Interest rate risk (fixed vs floating loan), Credit and default risk in the related business segment (iii) Historical performance
of similar homogeneous clients (iv) Profile of the borrower (v) Industry segment, (vi) Repayment track record of the borrower,
(vii), Nature and value of collateral security, (viii) Secured Vs unsecured loan, (ix) Subvention available, (x) Ticket size of loan,
(xi) Bureau Score, (xii), Tenure of Loan, (xiii) Location delinquency and collection performance and (xiv) Customer
Indebtedness (other existing loans)
The aforesaid variables may be revised from time to time.
11) In case of cancellation and surrender of insurance policy/value added services/extended warranty and/or on death of the
customer, BFL shall have the right to appropriate insurance claim paid thereunder or pursuant to cancellation or the
surrender value of the insurance policy/value added services/extended warranty towards the Outstanding dues of any
loan(s) availed from BFL. If there is any surplus leftover, same will be paid to me. If there is any deficit, then I shall be liable
to pay entire deficit forthwith.

12) The NACH/mandate given by me in favour of BFL can be used to recover all Outstanding due including fees, penalties, cost
& other applicable charges in connection with any Loan availed by me. I shall forthwith issue fresh Cheque or NACH/
mandate in favour of BFL, if there is any revision in my repayment schedule/ EMI.

13) This single Charge Slip would apply for different Product(s)/services availed by me on a single day by making a clear
mention about the varying details of loan vis-vis each Product(s)/services availed by me. Since the loan amount, interest
rate and other charges/expenses could vary for each product/service availed by me, as also, it would be convenient for me
to easily identify the applicable EMI for each product/service availed, separate loan account numbers and separate
Statement of Account for each Product(s)/services will be issued by BFL for administrative convenience. I understand the
same can be conveniently accessed by me on the dedicated experia portal and/or through any mobile/web-based
application of BFL.

14) In the event of default on any one of the loan(s) detailed in this ChargeSlip, BFL reserves the right to recall the other
loan(s).

15) The EMI of the loan availed can be clubbed with EMI of other loans availed by me from BFL or the same can be debited
separately from my bank account.

16) In case of dishonour of Cheque or NACH/mandate or Electronic Payment Instructions provided, I shall be liable to pay to
BFL the bounce charges ("Bounce Charges") as mentioned above, for each dishonour event occurrence.
17) In the event of any default in repayment of the Outstanding due, I shall be liable to pay Penal Charges’ ("Penal Charges") at
the rate/or amount as stated above, from the date of default till the date of realization by BFL without prejudice to any
other rights of BFL under these terms and condition.

18) BFL shall be authorized (a) to disclose, exchange, share, obtain or part with all information from time to time relating to
loan to credit bureaus/credit reference agencies, its group companies, financial institutions, Credit Information Companies
(CIC), Central KYC Registry (CERSAI) or any authorized third-party agency as BFL may deem necessary or appropriate for
use or processing of the said information and shall not hold BFL or any of its group companies or its/ their
agents/representatives) liable for use/sharing of the information as stated above, (b) to seek/obtain any other information,
relating to me, from any third party, and (c) share all information to any Regulator, Court, Law enforcement agency, Quasi-
Judicial authority etc, on a need to need basis.

19) I understand and acknowledge that, upon availing moratorium from BFL (in accordance with prevailing RBI guidelines), the
benefits of third-party products availed by me, shall cease to be of effect, until the loan dues pertaining to the moratorium
period are paid by me to BFL.

20) I hereby expressly consent for taking my photo/video evidencing the conduct of loan transaction by me and that such
photo/video is unconditionally agreed to be stored and preserved during the tenure of the loan and for a period of at least
five (5) years or otherwise from the date of closure of the loan and/or as the law/regulations may so mandate, whichever is
higher.

21) In case your loan is booked on or before 20th of the month in which loan has been applied, the 1st EMI payable by you shall
be due and payable on the 2nd of the “following” month and in case your loan is booked after 20th of the month in which
loan has been applied, the 1st EMI payable by you shall be due and payable only on the 2nd of the “Next to Next” month of
booking your loan. For example, if the loan is booked post 21st of January, the 1st EMI amount shall be due and payable on
2nd of March and so on.

22) Borrower(s) agrees and acknowledges that:

(i) In the event of availableness of surplus funds which are intended to be utilised by the Borrower(s) for any advance
payment towards EMI, such payment shall be made at-least five(5) working days prior to EMI due date for enabling
adjustment of the same on the current month’s EMI due date;
The aforesaid variables may be revised from time to time.
(ii) Such advance payment is facilitated by BFL for the convenience of its esteemed Borrower(s) and NO interest on
such advance payment is applicable;
(iii) If the time gap in making such payment is less than 5 working days prior to the current month’s EMI due date, such
payment shall be adjusted on the subsequent month’s EMI due date (and not against the current month’s EMI due date).
For example, if EMI due date is January 10, 2023 and payment is made after January 5, 2023, such amount shall be
adjusted on February 10, 2023 ; and
(iv) If the standing instructions for payment of current months EMI stands dishonored for any reason, such advance
payment so received may be appropriated towards such dishonored EMI payable by the Borrower(s).

23) If you fail to make timely payment of EMI, BFL shall authorise Recovery Agency / Agents to recover the same and which
shall be intimated to the Customer at the time of initiation of collection of the same. List of authorised collection agents /
collection agencies / associates empanelled for handling collections are updated on the BFL's website for reference.
https://bajajfinserv.in/active-partners-for-debt-management-services (https://bajajfinserv.in/active-
partners-for-debt-management-services)
24) For any grievance(s) against the BFL/Lender, the Borrower may have his/her grievance redressed as under: - a. You may
write to BFL at wecare@bajajfinserv.in b. If you are holding EMI Network Card and/or Health EMI Network Card, you may call
BFL Customer Care at 022-41803901. This is not a toll-free number and normal call charges will be applicable. c. You may
also write or reach to BFL’s Grievance Redressal Officer to seek resolution: -
Name: Manish Bhargav
Designation: Chief Operations Officer
Phone : 022-41803901
Email ID: grievanceredressalteam@bajajfinserv.in

By checking the “I Accept” button and/or by entering the one-time password (OTP), and/or by providing physical signature on
this Sanction Letter Cum Charge-slip, I accept the loan facility from BFL. I hereby confirm that I (i) am at least 18 years of age, (ii)
can understand, read and access the world wide web / internet in English language, (iii) have read, understood and agree to be
bound by Charge Slip, Fee and charges, the loan terms and conditions.
Further, I agree that my action of (i) submission of the OTP sent by BFL or (ii) providing physical signature on this Charge-slip,
constitutes a valid acceptance of the terms and conditions and same shall have binding upon effect on me.

Digital Acceptance:

Partner Order ID ZBF48SY01XS116

Customer Name SHABEER AHMED

Mobile 9738772711

IP Address 125.19.66.198

Date & Time 28-09-2024 13:54:36

BFL provides an explicit option to the borrower to exit a loan availed through a digital lending platform and/or
Apps, by repaying the principal amount without any penalty during the said period. The period determined will be
three days from the date of disbursement of loan. For borrowers continuing with the loan even after the look-up
period, an option of pre-payment shall continue to be available as per extant RBI guidelines, as applicable from
time to time.

BFL/DIG/CS/2024/Aug/ECOM/E009

Signature Not Verified

Digitally signed by DS BAJAJ FINANCE
LIMITED 1
Date: 2024.09.28 14:10:19 +05:30
Reason: Security
Location: Pune