SANCTION LETTER

Date: 18 July, 2024 Loan ID: CL11208152

Mallikarjuna Kamisetty
Flat no 207,SAI HOMES BLOCK 1 MANJUNATHA
LAYOUT,MUNNEKULALA,560037,BANGALORE,KARNATAKA

Dear Sir / Madam,

Please refer to your loan application for a Loan facility from the lenders which are registered with NDX P2P Private
Limited (“LiquiLoans”) P2P platform made through technology platform. Mojo Hostel

We are happy to provide the Loan facility on the following broad Terms and conditions.

1 Sanction Amount Rs. 150000 (this is your loan amount)

2 Rate of Interest % p.a. 0% per year

3 Tenure 6 Months

4 Processing Charges Rs. 0

5 Insurance charges Rs. NA

6 Penal Charges AS PER KFS

7 Instalment Start Date 05 August, 2024

Rs. 25000
8 Instalment Amount
(excluding the difference due to broken period interest)
This Sanction Letter may not be construed as a binding commitment on the platform to disburse the above-mentioned
Loan and is subject to the approval from the Lenders which are registered on LiquiLoans’ Platform. The Borrower
understands and agrees that he/she can access the Borrower dashboard of the LiquiLoans’ Platform, and in case the
Borrower wishes to revise the interest rate or the tenure proposed, the same can be done through the dashboard.
Acceptance of this Sanction Letter will imply that the Borrower is agreeable to the terms and conditions mentioned in
the Sanction Letter.

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IP Address 49.207.231.163
Mobile Number for eSign 9880415941
Timestamp 2024-07-18 05:22:29
 LOAN AGREEMENT
THIS LOAN AGREEMENT (“Agreement”) is made at the place and on the date as stated in the Schedule 2 hereunder
written BETWEEN

NDX P2P Private Limited (hereinafter referred to as the “LiquiLoans”), a company incorporated under the provisions
of the Companies Act, 2013, having corporate identity number U67200MH2018PTC306270 and its registered office
at 2nd Floor, Office No. 203 and 204, Mittal Commercia, Saki Naka, Off Andheri Kurla Road, Andheri (East),
Mumbai – 400059. which shall, unless it be repugnant to the subject or context thereof, shall mean and include its
successors, transferees and assigns of the First Part; AND

The Borrower & co-borrower (if any), as described in Schedule 1 (hereinafter referred to as the “Borrower”), which
expression shall be deemed to mean and include his/her/their respective heirs, administrators, executors, legal
representatives of the Second Part; AND

The Individual Lenders, being the person who has registered with the LiquiLoans’ P2P Platform and agreed to grant
the Loan to the Borrower (hereinafter referred to as the “Lender”) which expression shall be deemed to mean and
include his/her/its/their respective heirs, assigns, administrators, executors, legal representatives, successors of the
Third Part.

Each is hereinafter be referred to individually as ‘Party’ or collectively as ‘Parties.’ Any reference to singular includes
plural, and any reference to Lender is to each Lender

WHEREAS:
A. LiquiLoans is a non-banking financial company engaged in the business of providing a peer-to-peer lending
platform for enabling loan facilitation via online mediums or otherwise to a wide range of participants.
B. The Borrower and the Lenders are engaged in carrying on bonafide activities for livelihood.
C. The Borrower intends to avail the loan up to an amount (“Loan”) for the purposes (“Purpose”) as set out in
Schedule 2.
D. LiquiLoans has conducted the requisite due diligence of the Participants (“Lenders and Borrowers”) and credit
assessment and risk profiling of the Borrower and has disclosed the same to the Lender. The Lender, satisfied
with the information furnished by LiquiLoans, has agreed to grant the Loan on the terms and conditions stated in
this Agreement, including Schedules hereof.
E. The Lender has duly authorized LiquiLoans to undertake various activities in relation to the Loan, inter-alia,
under the Lender Onboarding Agreement.

NOW, THEREFORE, THE PARTIES HEREBY AGREE AS UNDER:

DEFINITIONS AND INTERPRETATIONS:

Definitions: Unless otherwise defined in this Agreement, the capitalized terms listed below shall have the following
meanings:

“Agreement” means this agreement and includes the schedules and annexures attached hereto and any documents
included by reference. It shall include any addendum, supplemental agreements, further schedules, annexure,
documents and amendments which may be made from time to time in accordance with the terms of this Agreement;
“Applicable Law” and “Law” means all applicable statutes, enactments or acts of any legislative body, laws,
ordinances, rules, bye-laws, regulations, notifications, guidelines, policies, directions, directives and orders of any
regulatory authority, statutory authority, tribunal, board, court or recognized stock exchange governing the operations
and business of the Parties and any modifications or re-enactments thereof;

“Associate company", as per the Company Act, is a company in which another company has a significant influence,
but which is not a subsidiary company of the company having such influence and includes a joint venture company;

“Borrower Dues” or “Outstanding Amount” means all sums payable by the Borrower to LiquiLoans, including
outstanding loan amount, interest, and all other charges, if any, costs and expenses;

“Companies in the group or Group Company” shall mean an arrangement involving two or more entities related to
each other through any of the following relationships: Subsidiary–parent (defined in terms of AS 21), Joint venture
(defined in terms of AS 27), Associate (defined in terms of AS 23), Promoter-promotee (as provided in the SEBI
(Acquisition of Shares and Takeover) Regulations, 1997) for listed companies, a related party (defined in terms of AS
18), Common brand name, and investment in equity shares of 20 per cent and above.

“Due Date” means the date on or before which any amount is payable by the Borrower to LiquiLoans.

“Loan” shall mean the unsecured loan availed by the Borrower from the Lender.

“Notices” shall have the meaning ascribed to the term in Clause 16.9(Notices);

“Person” means any natural person, limited or unlimited liability company, corporation, partnership (whether limited
or unlimited), proprietorship, Hindu undivided family, trust, union, association, thereof or any other entity that may be
treated as a person under the Applicable Law;

“Product” means product purchased or to be purchased by the Borrower from Vendor or/and Service Provider.

“RBI” means the Reserve Bank of India;

“Representative” means in relation to each of the Parties, its directors, officers, managers, employees and staff
(including those on secondment), legal, financial and professional advisors;;

“Service” means services purchased or to be purchased by the Borrower from Vendor or/and Service Provider.

“Vendor”or Service Provider” shall means the person from whom any product and/or service is purchased and/or
availed by Borrower, where the loan amount or part thereof is transferred to such vendor or service provider as
specified in Schedule 2 on behalf of the Borrower.

Interpretation: In this Agreement:

a. LiquiLoans or the LiquiLoans’ P2P Platform can be used interchangeably to provide services, rights and
responsibilities.
b. the recitals and schedules shall constitute an integral and operative part of this Agreement;
c. all references to agreements, documents or other instruments include (subject to all relevant approvals) a reference
to that agreement, document or instrument as amended, supplemented, substituted, novated or assigned from time
to time;
 d. unless the context otherwise requires, the singular includes the plural and vice versa; the words ‘hereof’, ‘herein’,
and ‘hereto’ and words of similar import when used with reference to a specific clause in, or schedule to, this
Agreement shall refer to such Clause in, or schedule to, this Agreement, and when used otherwise than in
connection with specific clauses or schedules, shall refer to the Agreement as a whole;
e. headings and the use of bold typeface shall be ignored in its construction;
f. words importing the singular, include the plural and vice versa;
g. “he,” “she,” or “it” is interchangeable, without gender-specific intent, and parties may request pronoun
modifications for clarity, constituting reasonable cause for an amendment.

AMOUNT OF LOAN:
1. Subject to and upon the terms and conditions contained herein, the Lender agrees to make the Loan available to
the Borrower, and the Borrower agrees to avail the Loan from the Lender as per the terms specified in Schedule 2.
The proceeds of all disbursements of the Loan shall be utilized solely for the Purpose as stated in Schedule 2.
2. The Borrower has requested the Lender, through LiquiLoans, to disburse the Loan. The disbursement of the Loan
may be made to the Borrower by the Lender in a lump sum or in such instalments subject to the terms and
conditions contained herein and, in any manner as mutually agreed between the Parties, including but not limited
to direct disbursals towards the fulfilment of Purpose.
3. The Loan amount may, at the request of the Borrower, be disbursed by LiquiLoans directly to the Vendor or/and
Service Provider, and such disbursement shall be deemed to be disbursement to the Borrower.
4. The disbursement of the Loan shall be made through normal banking channels during normal banking hours.
LiquiLoans shall not, in any event, or circumstance whatsoever, be liable or be construed as being liable in case
there are any delays in disbursement or/and non-disbursement of the Loan on account of any technical or system
errors or for any other reason.

5. COVENANTS, TERMS AND CONDITIONS:

5.1 The Borrower is liable to repay the Outstanding Amount as per the repayment schedule specified in Schedule 2
and the Key Fact Statement (“KFS”) made available to the Borrower, whether any demand for the same is raised
by the Lender or not.
5.2 The Borrower and Lenders shall be liable to pay respective taxes which may be applicable from time to time.
5.3 The Borrower shall at all times adhere to the terms and conditions set out in this Agreement and any amendments
hereto.
5.4 The Borrower shall notify LiquiLoans in writing of all changes in the location/address of office/residence/place of
business or any change/resignation/termination/closure of employment/ profession /business.
5.5 The Borrower shall ensure the deposit of salary and/or business proceeds in the bank account from which the
ECS/NACH/UPI mandate has been issued to LiquiLoans.
5.6 The Borrower shall always comply with applicable laws, including the Prevention of Money Laundering Act,
2002.
5.7 LiquiLoans shall have the right to appropriate the amounts paid by the Borrower in such manner as the
LiquiLoans may, in its sole discretion, deem fit and appropriate.
5.8 LiquiLoans shall at any time, at its absolute discretion, have the right to combine, consolidate or divide any of the
Loan sanctioned to the Borrower by the Lender and set off or transfer or appropriate any sums standing to the
credit of any of such Loans in or towards part or full satisfaction of the liabilities of the Borrower on any other
Loan or in any respect.
5.9 LiquiLoans shall have the right to make disclosure of any information relating to the Borrower, including personal
information, details in relation to loans, defaults, etc. to the credit information companies/Transunion CIBIL
Limited (CIBIL) and/or any other governmental/regulatory/statutory or private agency/entity, credit bureau, RBI,
the Lender’s or/and LiquiLoans other branches/Group/Associate companies /rating agencies, service providers,
other banks/financial institutions, any third parties, any assigns/potential assignees or transferees, who may need,
process and publish the information in such manner and through such medium as it may be deemed necessary by
the publisher/ Lender/ RBI/ LiquiLoans, including publishing the name as part of willful defaulter's list from time
to time, as also use for KYC information verification, credit risk analysis, or for other related purposes.
5.10 Nothing contained herein shall prejudice or adversely affect any general or special lien or right to set off to which
the Lender is or may by law or otherwise be entitled or any rights or remedies of the Lender.
5.11 It is hereby accepted by the Parties that the amount stated by the Lender and/or LiquiLoans as due from the
Borrower as maintained by the LiquiLoans’ Platform shall be final and conclusive proof of the correctness of any
sum claimed by the Lender to be due from the Borrower in respect of this Agreement, a statement of account
made out from the books of the Lender, without production of any voucher, documents or other papers whether in
support thereof or otherwise and the Parties hereby agree that the same shall not be disputed by the Borrower,
other than for any manifest errors therein.
5.12 The right of the Lender to recover the Borrower’s Dues from the Borrower shall be exercised either by
LiquiLoans, its authorized representatives, or any collection agency appointed for the purpose, and the Borrower
hereby agrees to the same. The Borrower hereby agrees to be contacted by the collection agencies through any
mode decided by the collection agency at its sole discretion and to cooperate with the collection agency to ensure
repayment of the Loan.
5.13 The Borrower shall permit the LiquiLoans, or any other person authorize by LiquiLoans, to inspect the place of
business/residence of the Borrower and agrees to produce any documents or/and additional documents as may be
required by the Lender from time to time during business hours. Further, the Borrower hereby agrees to permit the
LiquiLoans and its authorized representatives to contact/meet the Borrower at their place of residence and/or
employment and/or any other place for collection of dues under this Agreement.
5.14 Interest and all other charge shall accrue from day to day and shall be computed on the basis of the actual number
of days elapsed / actual number of days in a year.
5.15 The Borrower agrees and undertakes that the said Loan shall be utilized exclusively for the purpose set forth in
the Borrower's proposal and for no other purpose.
5.16 The Borrower will furnish LiquiLoans with all such information as LiquiLoans may reasonably require for its’
satisfaction as due compliance with the terms of the advance and all such periodical reports and information at
such times, in such form and containing such particulars as the LiquiLoans may call for, for the purpose of
ascertaining the results of the utilization of the said Loan.
5.17 That the Borrower mutually agrees that each one or any of them are authorized and empowered by the others to
appoint and acknowledge the Borrower’s individual and collective liability to the LiquiLoans by any payment into
the account or by way of express writing in any manner or otherwise and any such admission and
acknowledgement of the liability by one or more of them shall be construed and deemed to have been made on
behalf of each and all of them jointly and severally.
5.18 In case of Borrower being a company/firm/partnership (as the case may be) duly incorporated under the laws of
India and has the power, capacity, and authority to enter into this Agreement and execute all documents related to
the Loan and to exercise its rights and perform its obligations under this Agreement. Further, all action required to
authorize the execution of and performance of obligations under this Agreement has been duly undertaken.
5.19 In case of Borrower being a company, it has not taken any corporate action nor have any other steps been taken or
legal proceedings been commenced or, to the best of its knowledge and belief, threatened against the Borrower for
its winding-up, dissolution, administration or re-organization or for the appointment of a receiver, administrator,
administrative receiver, trustee or similar officer in respect of the Borrower or any or all of its assets or revenues.
5.20 In case of Borrower being a partnership firm, no disputes exist between the partners or between present partners
and legal heirs of deceased partners for dissolution or accounts of the firm and no proceedings have been
commenced against the Borrower or any of its partners for dissolution of the firm or appointment of a receiver or
trustee in respect of all or any part of its assets or revenues.
5.21 The Borrower, including directors, partners or proprietors, shall not leave India for employment, business or long-
term stay abroad or permanently without fully repaying all Borrower’s Dues.
5.22 General Terms: Save and except to the extent already disclosed in writing by the Borrower/s to the LiquiLoans,
the Borrower/s hereby warrants and undertakes as follows:

a. Each Borrower is a Major and is competent in law to execute this agreement.

b. The Borrower is not a party to litigation of a material character, and the Borrower are not aware of any facts likely
to give rise to such litigation or to material claims against the Borrower.
c. The Borrower has disclosed all facts relating to its income or assets to the LiquiLoans.
d. The Borrower agrees to furnish his income details as and when sought for by the LiquiLoans, and any change in
employment or income source also shall be intimated to the LiquiLoans.

6. REPAYMENT OF LOAN:
6.1 The Borrower agrees to pay the instalment for the repayment of the Outstanding Amount, as per the Repayment
Schedule set out in KFS, and shall also be liable to pay any and all overdue interest arising out of the default in
repayment of instalments, any other charges, fees, etc., as per Schedule 2from time to time.
6.2 The Borrower hereby confirms that he has perused and understood that the interest is applied as per Schedule 2 on
the principal on a daily basis and agreed to the method of computation of the instalment amount and the rate of
interest as stipulated in Schedule 2.
6.3 The instalment amount shall automatically change upon a change in any rates, taxes, charges, levies and monies
whatsoever that are or may be levied on the instalment amount or the transaction contemplated hereunder or may
become payable by the Borrower by virtue of this Agreement. As stated above, such changes in the instalment
amount shall be affected only prospectively, and the same shall automatically form part of the Loan.
6.4 The Borrower hereby confirms to have provided details of the bank account of the Borrower where all the
receipts/receivables/income of the Borrower is being credited and confirms that he shall issue binding irrevocable
instructions to the said bank to debit the instalment account periodically that are due to the Lender. The Borrower
covenants to maintain sufficient balance in the account to enable the facilitation of debit of such amounts.
6.5 The Borrower hereby confirms that he will not divert his income/inflow to any other bank account till such time
the dues under this agreement are paid in full.
6.6 The Borrower confirms having perused, understood and agreed to such mode/method of calculating the
interest/instalments.
6.7 The Borrower undertakes to deliver to the LiquiLoans ENACH, NACH, or UPI mandates any other instrument
acceptable to the LiquiLoans’ Platform towards the Lender repayment obligations. The Borrower confirms that
the aforesaid instruments are issued towards repayment of the instalment amounts, and the delivery of such
instruments to the LiquiLoans shall be deemed to be an unconditional and irrevocable authority given by the
Borrower to the LiquiLoans to present such instrument for repayment on their respective due dates. The Borrower
confirms that such instrument shall be honoured on its first presentation, and the Borrower shall not issue any
contrary instructions to the relevant bank.
6.8 If the Borrower wishes to modify the payment mechanism to the Lender, the Borrower may seek the permission
of the LiquiLoans and, subject to the sole discretion of the LiquiLoans, may switch to another mode of payment
towards discharge of liability, along with all applicable charges that may be associated with the change.
6.9 In the event of any delay by the Borrower in payment of any dues under this Agreement, whether by way of
repayment of Loan, payment of interest or other charges payable hereunder, the LiquiLoans reserves the right to
charge additional charges as described in the Schedule 2 on the amount in arrears, from the due date of such
payment till the date of realization of payment as the case may be.

7. COOLING–OFF PERIOD: The Borrower shall have the option to exit the Loan by paying the principal
and the proportionate APR (“Annual Percentage Rate”) without any penalty during the Cooling-off Period. The
Borrower continuing with the Loan after the Cooling-off Period shall be required to pay the charges and fees as per
KFS. The Borrower is entitled to a cooling off period of 3 days during which the Borrower can decide whether they
want to continue with the Loan or not (“Cooling Off Period”).

8. PRE-PAYMENT OF LOAN:
8.1 LiquiLoans acting on behalf of the Lender may, at its discretion, accept the full pre-payment of the Outstanding
Dues and foreclose the Loan if the Borrower has paid the instalment as per schedule 2.
8.2 The Borrower acknowledges that the flexibility in the repayment schedule for advancing the repayment shall be
subject to the Flexible Repayment Convenience Charges as specified by KFS.
8.3 The amount pre-paid shall be first used to credit the overdue interest, bank charges, legal expenses, if any, arrears
of instalments, interest due up to date for the current month, the current month instalment, Flexible Repayment
Convenience Charges and other expenses due as mentioned in this Agreement. If any amount remains unadjusted
after meeting the aforesaid charges/amounts, then it shall be adjusted towards the outstanding principal amount. If
the entire amount due for prepayment is not remitted, then the amount so received by the LiquiLoans on behalf of
the Lender would be treated as an advance payment of future instalment and will be adjusted to instalment month
on month, as and when the instalment falls due for payment. The Borrower hereby agrees that LiquiLoans is not
obliged to reverse the interest that may accrue on account of advance payment. The amount due under foreclosure
should be paid in full by the Borrower in the Escrow Account maintained by LiquiLoans to qualify the account
for foreclosure.
8.4 The Borrower confirms that none of such instruments is a security and shall not be treated as such in the event of
any dispute.
8.5 The Borrower authorizes LiquiLoans on behalf of the Lender, to deduct the amount under the Loan from the POS
payments/QR Transactions of the Borrower/other payments collected from the Borrower for the repayment of the
Borrower Dues.
8.6 Any dispute or difference of any nature whatsoever shall not entitle the Borrower to withhold or delay payment of
any instalment amount or another sum.

9. FEES, COSTS AND EXPENSES:

9.1 The Borrower hereby agrees to pay the Lenders through LiquiLoans the fees in the quantum and manner set out in
Schedule 2 of this Agreement. The Borrower hereby authorize LiquiLoans to deduct these amounts together from
the Loan Amount and pay to the Borrower/Vendor/Service provider, as the case may be, only the balance amount.
The Borrower hereby confirms that irrespective of deduction of such fees, the Borrower’s obligation to repay to
the Lender shall be of the entire Loan Amount along with interest and other charges in terms of this Agreement.
The fees paid to/deducted by the Lender are non-refundable / non-adjustable.
9.2 The Borrower shall also pay all third-party costs and expenses on an actual basis, including legal expenses,
incurred in connection with the processing, negotiation, documentation, and placement of the Loan, whether or
not the disbursement occurs. In addition, the Borrower shall also be responsible for all charges as well as any and
all registration charges in relation to the execution and delivery of the agreement and related transaction
documents. The Borrower shall pay all costs, charges, and expenses incurred by the LiquiLoans or Lender,
including travelling and other allowances of their officers, on solicitors/ advocates/ company secretaries employed
by them, for protection and preservation of rights/remedies arising out of the agreement and related documents.

10. SECURITY: The Loan is unsecured, and no security has been provided by the Borrower to the Lender to
secure his/their repayment/ payment obligations in terms of this Agreement.

11. EVENTS OF DEFAULT AND CONSEQUENCES:

11.1 The following shall amount to an Event of Default:
 a. Non-compliance/breach by the Borrower of any of the terms and conditions of this Agreement, any
other document entered into in respect of this Loan, or any other financial assistance availed of by the
Borrower under this agreement.;
b. Non-adherence to the repayment schedule;
c. Any filing for insolvency, bankruptcy, winding up, dissolution of the Borrower or inability of the
Borrower to repay his debts;
d. Concealment of any material document, information or event by the Borrower;
e. Submission of any forged document or any misrepresentation by the Borrower;
f. Death, mental incapacity or other disability of the Borrower;
g. If any representation, warranty or statement on the part of the Borrower of any credit information is or is
found to be incorrect or misleading (whether by reason of omission to state a material fact or otherwise);
h. If Borrower fails to furnish the papers or documents required by LiquiLoans or fails to furnish the
information called for by the LiquiLoans from time to time;
i. If any of the representations, undertakings and/or declarations made in this Agreement and/or Loan
application are found to be false or incorrect or not complied with;
j. The Borrower utilizes the Loan for any purpose other than the Purpose mentioned in Schedule 2;
k. Occurrence of any events, conditions or circumstances (including any change in law) which, in the sole
and absolute opinion of LiquiLoans, could have a material adverse effect, including limitation of any
proceedings or action for bankruptcy/liquidation/ insolvency of the Borrower or attachment/restraint of
any of Borrower’s assets;
l. Any other event which is the sole opinion/discretion of the LiquiLoans, would endanger the repayment
of the Loan.
m. Any default by the Borrower under any other agreement or arrangement or other indebtedness of the
Borrower with the LiquiLoans or its group/associate companies shall constitute an event of default
under this Agreement and vice-versa.
n. The decision of LiquiLoans as to whether or not an Event of Default has occurred shall be final and
binding on the Borrower.
11.2 If there is an Event of Default, the following consequences may be applicable to the Borrower, at the discretion
of the LiquiLoans on behalf of the Lender, notwithstanding any and all remedies that the Lender may have in
law:
a. shall have the right to recall the entire Outstanding Amount, as mentioned in Schedule 2 hereunder, and
the same shall accordingly become immediately due and payable.
b. shall be entitled to proceed against and take any action against the Borrower in order to realize the
amounts due and payable by the Borrower, whether with or without the intervention of the Courts.
c. shall be entitled to initiate criminal proceedings or any other appropriate actions against the Borrower if
at any time the Lender, at its sole discretion, has sufficient grounds to believe that the Borrower has
made any misrepresentations and/or submitted any forged documents or fabricated data.
d. shall have rights and powers conferred on the Lender under this Agreement shall be in addition and
supplemental to any rights the Lender has as a creditor against the Borrower under any law for the time
being in force and shall not be in derogation thereof.
 e. shall have a paramount right of set-off, and in the exercise of the LiquiLoans’ general lien under law,
the LiquiLoans s shall also have a paramount right of lien on all monies, accounts, securities, deposits,
goods and other assets and properties belonging to the Borrower or standing to the Borrower’s credit
(whether singly or jointly with other person/s) which are or may at any time with or in possession or
control of any group/associate companies of the LiquiLoans for any reason or purpose whatsoever.
f. The Borrower shall bear all legal and other costs and expenses resulting from the foregoing defaults or
the exercise of any remedies by LiquiLoans.

12. REPRESENTATIONS & WARRANTIES OF THE BORROWER:

12.1 The Borrower represents and warrants that:
12.1.1 the execution, delivery, and performance of this Agreement are within his powers, do not contravene
any contract binding on or affecting his or any of his properties, and do not violate any applicable law or
regulations;
12.1.2 this Agreement is valid and binding upon the Borrower;
12.1.3 there is no pending or threatened action which may materially adversely affect the validity or
enforceability of this Agreement;
12.1.4 is not prohibited by any law or order of any court/forum from entering into this Agreement and
performing all obligations.
12.1.5 No event has occurred which affects/shall prejudicially affect the interest of LiquiLoans or affect the
financial conditions of Borrower or its ability to perform all obligations.
12.1.6 The Borrower is not in default of payment of any taxes or government dues.
12.1.7 The Borrower will do all other acts, deeds and things, as required by LiquiLoans, to further protect the
interests of LiquiLoans and Lenders.
12.1.8 No bankruptcy or insolvency proceedings are pending in respect of the Borrower.
12.1.9 The Borrower expressly consents to LiquiLoans to collect, disclose, store and share the information
provided by the Borrower or otherwise procured by LiquiLoans in such manner if it deems fit.
12.1.10 The Borrower will not seek to claim or recover from the Lender and/or LiquiLoans, on any grounds
whatsoever and/or in any circumstances whatsoever(whether now or hereafter existing), any purported
damages or compensation, direct, indirect or consequential, for any acts or actions whatsoever of the
Lender and/or LiquiLoans hereunder and/or in respect of the Loan, taken or omitted by the Lender
and/or LiquiLoans in terms hereof and/or pursuant hereto and/or to protect any of its interests and rights
as the lender or a creditor or a service provider, and the Borrower hereby expressly waives any right to
seek or make any such claim or recovery on any grounds whatsoever.
12.1.11 The Borrower shall bear all costs and other expenses incurred in relation to the Loan and in complying
with the terms and conditions in respect thereof, including any and all costs incurred in connection with
this Agreement.
12.1.12 The Borrower hereby confirms his liability and shall reimburse or pay any applicable tax that the Lender
/LiquiLoans may have to pay to the government regarding the Loan.
12.1.13 The Borrower hereby authorizes the Lender and/or LiquiLoans, at the cost and risk of the Borrower, to
engage one or more persons and/or agencies to verify any fact or information furnished by, concerning
and pertaining to the Borrower and collect the outstanding amount and may furnish to such persons such
documents, information, facts and figures as it may deem fit.
12.1.14 Any claims, demands, actions, costs, expenses and liabilities incurred or suffered by the Lender and/or
LiquiLoans by reason of non-payment or insufficient payment of stamp duty on this Agreement and any
documents and other writings which may be executed by the Borrower pursuant to or in relation to the
Loan, will be to the cost of the Borrower.
12.1.15 The Borrower expressly consents to LiquiLoans to download their data from the Central KYC Registry
(“CKYCR”) for the purpose of Know Your Customer (“KYC”) verification and compliance with
regulatory requirements.
12.1.16 The Borrower expressly give consent to LiquiLoans to share and disclose the Borrower’s information
with third parties only for the purpose of the Loan on a need-to-know basis.
12.1.17 All information provided by the Borrower to the LiquiLoans or its authorized representative under or
with respect to this Agreement is correct and true and is not misleading in any respect.
12.1.18 The execution and performance of this Agreement by the Borrower constitutes, and the exercise by the
Borrower of his rights and performance of his obligations hereunder shall constitute private and
commercial acts done and performed for private and commercial purposes. The Borrower will not seek
to claim or recover from the Lender and/or LiquiLoans, on any grounds whatsoever and/or in any
circumstances whatsoever (whether now or hereafter existing), any purported damages or compensation,
direct, indirect or consequential, for any acts or actions whatsoever of the Lender and/or LiquiLoans
hereunder and/or in respect of the Loan, taken or omitted by the Lender and /or LiquiLoans in terms
hereof and/or pursuant hereto and/or to protect any of its interests and rights as the Lender or a creditor
or a Service Provider, and the Borrower hereby expressly waives any right to seek or make any such
claim or recovery on any grounds whatsoever.
12.1.19 The Borrower hereby accepts and confirms that it has no objection to the Lender administering the Loan
through third Parties, including LiquiLoans. The Borrower confirms that the Lender may, either partly
or in full, delegate such activities to any third party (including LiquiLoans) as it may think fit in the
circumstances. Such delegation of work would include the right and authority to collect the outstanding
on behalf of the Lender, the dues and unpaid instalments and other amounts due from the Borrower and
to perform and execute all lawful acts, deeds and matters and things connected therewith and incidental
thereto including sending notices to the Borrower, receiving cash against the issue of the receipt,
cheques, and drafts. For the purpose aforesaid as also for any other purposes, at the sole discretion of the
Lender and/or LiquiLoans, the Lender and/or LiquiLoans shall be entitled to disclose to the third party
the details of the Borrower, Loan and the Outstanding Amount and any other information for effectively
discharging the work assigned to the third Party and the Borrower hereby consents to such disclosure by
the Lender. Notwithstanding any such delegation by the Lender and/or LiquiLoans, neither the Lender
nor LiquiLoans shall be responsible and/or liable for any unlawful acts, deeds, matters and things done
by such third parties.
 12.1.20 The Borrower hereby authorizes Lender and/or LiquiLoans, at the cost and risk of the Borrower, to
engage one or more person and/or agencies to verify any fact or information furnished by, concerning
and pertaining to the Borrower and collect the outstanding amount and may furnish to such person/s
such documents, information, facts and figures as it may deem fit.
12.1.21 Changes to the Loan amount or partial loan cancellation: In case of partial cancellation of the Loan by
the Borrower or any other changes to the Loan amount, LiquiLoans may formulate a new repayment
schedule based on the new amount and charges applicable thereof. Where the Repayment Schedule is
amended as herein, LiquiLoans shall update the instruments provided by the Borrower for repayment
under Clause 6 of this agreement along with amounts and dates thereof.
12.2 In the event the Loan is for the purchase of any Product and/ Services, the Borrower also undertakes and
covenants as below:
12.2.1 The Vendor/Service Provider shall be exclusively responsible for the delivery of the Product and/
Services to the Borrower and LiquiLoans shall not be liable for any delay in delivery or non-delivery
other Products and/ Services and/or with respect to the quality, condition, fitness, suitability or
otherwise whatsoever of the Product.
12.2.2 In the case of cancellation of order for the Product and/ Services, LiquiLoans will treat the relevant
Loan repaid only if the Vendor/Service Provider refunds the amount directly to LiquiLoans upon
compliance by the Borrower with the refund policy of the Vendor/Service Provider. In case of such
refund, LiquiLoans shall refund the monies if any, paid by the Borrower, less interest and other charges
if any for the period between the date of the loan disbursement and refund, and treat the Loan at
LiquiLoans’ option as fully discharged. The processing charges will not be reimbursed and will be
adjusted against the refund, if any.
12.2.3 The Borrower will not give part possession or ownership of the product or service or create any third-
party rights thereon without the consent of LiquiLoans.
12.2.4 The Borrower shall not use the Product and/or Services for unlawful or antisocial purposes and will use
the same only for its own use and not for resale, barter exchange or the like.
12.2.5 The Borrower shall not be entitled to any increase in the Loan amount by reason of any increase in the
purchase price. However, in the event of any decrease in the purchase price, LiquiLoans may, at its
discretion, reduce the principal amount of the loan.
12.2.6 The Borrower shall not use or permit the use of Product for any purpose not permitted by the insurance
policy's terms, if any, or warranty and not do or permit to be done any act or thing which might render
the insurance or warranty invalid.
12.2.7 In the instance Vendor/Service Providers or the Borrower reschedules the service towards which the
Loan has been disbursed, the Borrower shall immediately inform the LiquiLoans of such rescheduling.

UNDERTAKINGS BY THE BORROWER:

13.1 The Borrower undertake and agrees with the Lender or/and LiquiLoans throughout the term of this Agreement
He shall:
13.1.1 apply for a Loan through LiquiLoans as stated in this Agreement.
13.1.2 declare that all the particulars, information and details provided in this agreement and the documents
submitted are true, correct, complete and up-to-date in all respects and
13.1.3 be competent to contract and that no insolvency proceedings or suits for recovery of outstanding dues,
monies, or property(ies) and/or any criminal proceedings have been initiated and/or are pending.
13.1.4 agreeing to initiate the process for availing the Loan through LiquiLoans,
13.1.5 explicitly provide his consent to LiquiLoans to access his credit information from the relevant
agencies/authorities.
13.1.6 hereby consent to and authorize LiquiLoans to increase or decrease the credit limit assigned to him from
time to time. He shall not raise any objection or dispute with regard to the same at any point of time.
13.1.7 agrees to limit his obligations to a maximum of INR 10 lakhs across all peer-to-peer platforms within
India.
13.1.8 understand that the Lender is earning up to 12% interest (APR) on the Loan through LiquiLoans’
Platform,
13.1.9 understand that his LiquiLoans account login credentials, including login and transaction password
issued by LiquiLoans from time to time, constitute confidential information;
13.1.10 agree to keep the same secure and confidential to prevent any authorize use / misuse.
13.1.11 expressly authorizes LiquiLoans to send him communications regarding Loans, insurance and other
products from LiquiLoans, its group companies and/or third parties through telephone calls/ SMSs
/emails/post or any other mode including but not limited to promotional communications.
13.1.12 provide a valid email address and contact telephone and/ or mobile number to LiquiLoans for the
purpose.
13.1.13 confirm that receipt of such communications shall not be treated by him as unsolicited communication,
as defined under TRAI Regulations on Unsolicited Commercial Communications.
13.1.14 hereby consent and authorize LiquiLoans to send notifications and updates regarding his Loan using
WhatsApp.
13.1.15 acknowledge and confirm that the Loans may be disbursed into the third party's bank account (Vendor
and/or Service Provider) as per the instructions provided by him in the disbursement request.
13.1.16 agree to provide specific consent for the Online Know Your Customer process, specifically the
authentication through One-Time Password. (OTP).
13.1.17 declare and undertake that neither he has opened, nor will he open, any other account using OTP-based
KYC in a non-face-to-face mode with any other regulated entity (“RE”)furthermore, He acknowledges
and understands that while uploading his KYC information to the Central KYC Registry (CKYCR), the
RE facilitating this process shall explicitly indicate that the account has been opened using OTP-based e-
KYC, and he shall commit to the understanding that other REs shall not open accounts based on the
KYC information provided for accounts opened using the OTP-based e-KYC procedure in a non-face-to-
face mode.
13.1.18 declare that any additional information deemed necessary beyond the specifications outlined in the
internal KYC Policy of LiquiLoans will be obtained with his explicit consent, as required.
13.1.19 understands and agrees that this additional information may be collected to enhance the due diligence
process and compliance efforts of the LiquiLoans.
13.1.20 agree that there is no impediment or restriction (whether legal or judicial) against him and/or his asset
filed/ reported by any other bank/financer/ lender.
13.1.21 agree that he has read the entire Agreement, including the Loan details and the terms of repayment, the
fees, costs, charges, and expenses payable as clearly enumerated in Schedule 2 to this Agreement or as
communicated separately to the Borrower. The Borrower further confirms that the entire Agreement is
 filled in their presence and that the contents provided herein are explained in the language understood
by the Borrower. The Borrower further confirms having executed the Agreement and agrees to remit the
dues in terms of Schedules hereunder.

14. INDEMNIFICATION:
14.1 The Borrower shall indemnify and hold the Lender, LiquiLoans, and their directors, officers, employees,
agents, and advisers harmless against losses, claims, liabilities, or damages which are sustained as a result of
any acts, errors, or omissions of the Borrower, its agents, or assignees, or for improper performance or non-
performance relating to the Loan, this Agreement or any other document executed in pursuance to this
Agreement.
14.2 The Borrower hereby agrees to indemnify the Lender, the LiquiLoans and their officers, representatives and
agents against any loss or expenses sustained or incurred by them as a result of:
14.2.1 the Borrower failing to take necessary action to protect the Lender's interests;
14.2.2 default on the part of the Borrower in complying with the provisions of any Agreement or related
documents;
14.2.3 the occurrence of any Event of Default;
14.2.4 any delay in payment of any sums payable or reimbursable by the Borrower under or pursuant to any
agreement or related documents;
14.2.5 levy by any Government authority of any charge, tax, penalty, or any other amount in connection with
regularizing or perfecting any of the agreement or related documents as may be required under law at
any time during the currency of the Loan or getting any of the documents admitted into evidence, or
relying on any transaction document for proving any claim;
14.2.6 the exercise of any of the rights by the Lender and/or LiquiLoans under any agreement or related
document.

15. TERM AND TERMINATION:

15.1 This Agreement shall become effective on execution and shall stand terminated on the date the Borrower has
repaid the Loan in full along with interest, bank charges and any other costs, charges and expenses as mentioned
herein and fulfilled all other obligations under the Agreement to the satisfaction of the LiquiLoans.
15.2 The Borrower does not have the right to terminate this Agreement in any situation except with the written consent
of the LiquiLoans by repaying the entire amounts due under this Agreement.

16. MISCELLANEOUS:
16.3 Assignment: It is expressly agreed that the Borrower shall not be entitled to assign, either directly or
indirectly, the rights and obligations set out herein. The Lender and/or LiquiLoans shall be entitled to assign its
rights and obligations under this Agreement in part or in full to any third party. The Lender and/or LiquiLoans
shall at any time, without any reference to the Borrower, be entitled to sell, assign, all or any of the Lender’s
rights and obligations under this Agreement to any person(s) of the choice of the Lender, in whole or in part
and in such manner as the Lender may decide. Any such sale, assignment or transfer shall bind the Borrower
conclusively.
16.4 Waiver: Any omission or delay on the part of LiquiLoans in exercising any of its rights, powers or remedy,
upon failure by the Borrower in the due and punctual fulfilment of the obligations of the Borrower hereunder
shall not be deemed to constitute a waiver by LiquiLoans of any of its rights to require such due, punctual and
full performance by the Borrower.
16.5 Severability: If any provision in this Agreement shall be found or be held to be invalid or unenforceable, then
the meaning of said provision shall be construed, to the extent feasible, so as to render the provision
enforceable, and, if no feasible interpretation would save such provision, it shall be severed from the remainder
of this Agreement and in such an event, the Parties shall use best efforts to negotiate, in good faith, a substitute,
valid and enforceable provision or agreement, which most nearly reflects the Parties’ intent in entering into this
Agreement.
16.6 Authorization: The persons signing this Agreement on behalf of the Parties represent and covenant that they
have the requisite authority to so sign and execute this Agreement on behalf of the Parties for whom they are
signing.
16.7 Variation: No variation of this Agreement shall be valid unless it is in writing (which, for this purpose, also
includes email) and signed by or on behalf of each of the Parties. The expression ‘variation’ includes any
variation, amendments, supplement, deletion or replacement however effected. In case of any variation through
email, the variation shall be deemed to have been accepted by the Borrower if so, communicated by the email
provided by the Borrower for availing the Loan.
16.8 Entire Agreement: This Agreement, together with the documents executed/exchanged by the Parties in
relation to the Loan, supersede all prior discussions and agreements (whether oral or written, including all
correspondence) between the Parties with respect to, or in relation to the Loan, and this Agreement, along with
the Schedules hereto, together with the documents executed/exchanged by the Parties in relation to the Loan,
contains the sole and entire agreement between the Parties with respect to the Loan.
16.9 Governing Law & Arbitration:
a. This Agreement shall be governed and construed in accordance with the substantive laws of India, and
the Parties hereto submit to the exclusive jurisdiction of the Courts situated at Mumbai, Maharashtra.
The Parties irrevocably waive any objection, now or in the future, to laying the venue of any
proceedings in the courts and tribunals at Mumbai.
b. Nothing contained in this Clause 16.7 shall limit any right of the Lender and/or LiquiLoans to take
proceedings (including criminal proceedings under the Payment and Settlement Systems Act 2007 or
Negotiable Instruments Act, 1881) in any other court or tribunal of competent jurisdiction, nor shall the
taking of proceedings in one or more jurisdictions preclude the taking of proceedings in any other
jurisdiction whether concurrently or not and the Parties irrevocably submit to and accept for themselves
and in respect of their property, generally and unconditionally, the jurisdiction of such court or tribunal,
and the Parties irrevocably waive any objection they may have now or in the future to the laying of the
venue of any proceedings and any claim that any such proceedings have been brought in an
inconvenient forum.
 c. Any disputes, differences, controversies and questions directly or indirectly arising at any time hereafter
between the Parties or their respective representatives or assigns, arising out of or in connection with
this Agreement (or the subject matter of this Agreement), including, without limitation, any question
regarding its existence, validity, interpretation, construction, performance, enforcement, rights and
liabilities of the Parties, or termination (“Dispute”), shall be referred to a sole arbitrator duly appointed
by Parties. The seat and venue of the arbitration shall be in Mumbai, and the language of proceedings
shall be in English. The award rendered shall be in writing and shall set out the reasons for the
arbitrator’s decision. The costs and expenses of the arbitration shall be borne equally by each Party, with
each Party paying for its fees and costs, including attorney fees, except as may be determined by the
arbitration tribunal. Any award by the arbitration tribunal shall be final and binding.
16.10 Specific Performance: The Parties agree that damages may not be an adequate remedy, and the Parties shall
be entitled to seek an injunction, restraining order, right for recovery, suit for specific performance, or such
other equitable relief as a court of competent jurisdiction may deem necessary or appropriate to restrain the
other Parties from committing any violation or enforce the performance of the covenants and obligations
contained in this Agreement. These injunctive remedies are cumulative and are in addition to any other rights
and remedies the Parties may have at law or in equity.
16.11 Notices Every notice, request, demand or other communication under this Agreement shall:
a. be in writing, delivered by hand, or by registered post/speed post, acknowledgement due, or by courier
or any other mode as decided by the LiquiLoans;
b. be deemed to have been received by the Borrower when delivered by hand, at the time so delivered, and
if given by registered post acknowledgement due 72 hours after it has been put into the post;
c. be sent to the Borrower to the address mentioned in Schedule 1 hereto or to such other address as either
Party may notify the other Party in writing hereafter.
d. Be sent to the LiquiLoans:
Name: NDX P2P Private Limited
Address: 2nd Floor, Office No. 203 and 204, Mittal Commercia, Saki
Naka, Off Andheri Kurla Road, Andheri (East), Mumbai – 400059
Email: info@liquiloans.com
e. The Borrower hereby agrees to pay the postal and other charges as mentioned in Schedule 2 here for
each of the notices being sent to him.

17. DISCLOSURE OF INFORMATION:

17.1 The Borrower accepts, confirms and consents for the disclosure and sharing by the LiquiLoans of all or any
information and data relating to the Borrower, the facilities, any other transactions that the Borrower has with
the Lender, the Borrower’s account, and the agreements and documents related to the Loans and transactions,
including but not limited to information relating to default, if any, committed by the Borrower, in the discharge
of the Borrower’s obligations in relation to the Loan or other transactions, as the LiquiLoans may deem
appropriate and necessary to disclose and furnish, to the Reserve Bank of India (“RBI”) and/or credit
information companies and/or to any other agency or body, to other lenders including assignees and potential
assignees, to its professional advisers, consultants and service providers engaged by it in relation to the Loan,
to the acquaintances of the Borrower and/or as required under law or any applicable regulation, or at the order
 or at the request of a court of law, any statutory, regulatory or supervisory authority.
17.2 The Borrower undertakes and covenants that it shall provide all information, including information regarding
other credit facilities enjoyed by the Borrower, as and when required by the Lender and/or LiquiLoans. The
Borrower declares that the information furnished to the LiquiLoans from time to time is and shall be true and
correct.
17.3 The Borrower hereby further agrees that in case the Borrower fails to pay the dues herein or commits default in
the repayment of the Loan instalments or interest thereon on the due date(s), or the account of the Borrower
becomes non-performing assets as per the RBI’s norms, the LiquiLoans will be at liberty to disclose or publish
in print and/or electronic media the photograph(s), name(s) and address(es) of the Borrower as willful defaulter
along with the details of outstanding dues payable.
17.4 The Borrower accepts that the RBI or the Credit Information Companies and/or any other agency so
authorized, or any statutory, regulatory or supervisory authority or other Lenders/potential Lenders, may use,
process and disseminate the said information and data disclosed by the LiquiLoans in such manner as deemed
fit by them and the Borrower shall not hold the Lender and/or LiquiLoans responsible or liable in this regard.
17.5 The Lender or/and LiquiLoans may disclose to the Borrower all such information relating to the Loan, as may
be reasonably requested by it, in accordance with the applicable laws.

Signed, Sealed and Delivered, NDX P2P Private Limited

Name : Achal Mittal
Designation : Director
Date : 18 July, 2024
Signed, Sealed and Delivered within named Borrower
Name : Mallikarjuna Kamisetty
Date : 18 July, 2024

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Mobile Number for eSign 9880415941
Timestamp 2024-07-18 05:22:29
 DESCRIPTION OF THE BORROWER
SCHEDULE 1

Description Particulars

Name Mallikarjuna Kamisetty

Co-Borrower Name

Aadhar Number XXXXXXXX0103

PAN Number AMPPK5216P

Mobile Number 9880415941

Alternate Mobile Number

Flat no 207,SAI HOMES BLOCK 1 MANJUNATHA

Residential Address
LAYOUT,MUNNEKULALA,560037,BANGALORE,KARNATAKA

Office Address NA

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Timestamp 2024-07-18 05:22:29
 TERMS OF THE LOAN
SCHEDULE 2

Description Particulars

Loan ID CL11208152

Date of Execution 18 July, 2024

Place of Execution Mumbai

Purpose of Loan Eductaion

Sanction Amount Rs. 150000

Tenure 6 Months

Rate of Interest P.A 0% per year

Rs. 25000
Instalment Amount
(excluding the difference due to broken period interest)

Instalment Start Date 05 August, 2024

Repayment Frequency Monthly

Vendor / Service Provider Mojo Hostel

Lending Service Provider NA

Repayment Schedule AS PER KFS

Disbursement Account Loan will be disbursed in Vendor/Service Provider's Account

Processing Charges Rs. 0

Flexible Repayment Convenience

AS PER KFS
Charges

Delay Charges AS PER KFS

Insurance Charges NA

Payment Bounce Charges Rs. 650 for each Bounce

 LOAN APPLICATION FORM
Loan ID: CL11208152 Applied Loan Amount: 150000

Personal Details:
Name Mallikarjuna Kamisetty

Date of Birth 01 June, 1973 Marital Status Gender Male

PAN Number A M P P K 5 2 1 6 P

Aadhar Number XXXXXXXX0103

Net Monthly income 140000

Contact Details:

Residence is NA Rented Co-provided Residence since

Flat no 207,SAI HOMES BLOCK 1
House No. & Bldg. Name City BANGALORE
MANJUNATHA LAYOUT

Street Name NA State KARNATAKA

Locality MUNNEKULALA Pin Code 560037

Email ID mallikarjunacwa@gmail.com Mobile 9880415941

Account Number 642701508484 Bank Name ICICI BANK LIMITED

Account Type Saving IFSC Code ICIC0006427

Branch Address ANDHERI

DISBURSEMENT ACCOUNT: Loan will be disbursed in Vendor/Service Provider's Account

Vendor / Service Mojo Hostel Lending Service NA
provider Provider

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Mobile Number for eSign 9880415941
Timestamp 2024-07-18 05:22:29
 KEY FACT STATEMENT

NAME OF REGULATED ENTITY: NDX P2P PRIVATE LIMITED (LIQUILOANS)

NBFC Peer to Peer (P2P) Platform

Date: 18 July, 2024 Borrower Name: Mallikarjuna Kamisetty

Sr. No. Parameter Details

(i) Total Loan amount (in INR) 150000

Total interest charge during the entire tenure of the

(ii) 0
Loan (in INR)

Other up-front charges, if any (break-up of each

(iii) 0
component to be given below) (in INR)

Processing
(a) 0
fees (in INR)

Insurance
(b) charges (in NA
INR)

Documentation
(c) Charges (in NA
INR)

Others (if any)

(d) 0
(in INR)

(iv) Net disbursed amount ((i)-(iii)) (in INR) 150000

Total amount to be paid by the borrower (sum of (i),

(v) 150000
(ii), and (iii)) (in INR)

Annual Percentage Rate (APR) - Effective

annualized interest rate (in percentage) (computed
(vi) 0%
on net disbursed amount using IRR approach and
reducing balance method)

(vii) Tenure of the Loan (in Days/Weeks/Months) 6 Months

 Repayment frequency by the
(viii) borrower Monthly
(Daily/Weekly/Monthly/Bullet)

Number of installments of
(ix) 6
repayment

Amount of each installment of

(x) 25000
repayment (in INR)

DETAILS ABOUT
CONTINGENT CHARGES

Overdue amount Charges

Up to Rs. 100 NIL

Rs. 101 to 1000 100

Rs. 1001 to 2500 250

Rs. 2501 to 5000 450

Penal charges in case of delayed

(xi) Rs. 5001 to 7500 650
payments (in INR) (if any)
Rs. 7501 to 12500 950

Rs. 12501 to 20000 1250

Rs. 20001 to 30000 1750

More than Rs. 30000 2500

These Charges will be calculated based on the maximum overdue

amount for a month according to above slab.

Payment Bounce charges (in

(xii) Rs. 650 for each Bounce
INR) (if any)

Flexible Repayment
(xiii) 3% of the principal outstanding
Convenience Charges (if any)
OTHER DISCLOSURES

Cooling-off/look-off period (The

Borrower can, within the cooling-
off/ lookup period, exit the loan
(xiv) 3 days
by paying the principal and the
proportionate APR without any
penalty.)

Details of Lending Service

Provider (LSP) acting as
(xv) NA
recovery agent and authorized to
approach the Borrower

For NDX P2P Private Limited (LiquiLoans)

Name, designation, address and Nodal grievance redressal officer of LiquiLoans:
phone number of nodal grievance Name: Mr. V. Balamurugan
redressal officer designated Email: grievances@liquiloans.com
(xvi)
specifically, to deal with Contact: 02247779519
FinTech/ Digital Lending Related Address: 2nd Floor, Office No. 203 & 204, Mittal Commercia, Saki
Complaints/ Issues Naka, Off Andheri Kurla Road, Andheri (East), Mumbai – 400059

Grievances Redressal Policy:

https://www.liquiloans.com/customer-grievances-redressal-mechanism
 DETAILED REPAYMENT SCHEDULE

Installm
Outstanding Principal (in INR) Principal (in INR) Interest (in INR) Installment (in INR)
ent No.

1 125000 25000 0 25000

2 100000 25000 0 25000

3 75000 25000 0 25000

4 50000 25000 0 25000

5 25000 25000 0 25000

6 0 25000 0 25000

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Mobile Number for eSign 9880415941
Timestamp 2024-07-18 05:22:29