Provisional Certificate for EMI

TO WHOMSOEVER IT MAY CONCERN

Date:20 January 2011

Type Of Loan: Individual Home Loan/Home Improvement/Home Extension Loan

PROVISIONAL STATEMENT for claiming deduction under Sections 24(b) & 80 C of the INCOME-TAX
ACT, 1961, for the period 01-APRIL-2010 to 31-MARCH-2011.

This is to state that Mr./Mrs./Ms. SANDIP KANTILAL PATIL

(Loan Account Number: MUMTHN00007614 ) has/have been granted a Housing Loan Rs. 1922000/-
@ 9.75% per annum (This rate is subject to change as per the terms and conditions mentioned in the
Loan Agreement) in respect of the following property

Address:

VIKRAM PAWANDHAM CHS

202, BLDG-2-FLT-202-2ND FLR
KOLIVALI KALYAN W
KALYAN

NR NEW OSWAL COLLEGE

THANE
KALYAN-421306

The above loan is repayable in Equated Monthly Instalments (EMIs) comprising Principal and Interest.
The total amount of EMIs payable from 01-APRIL-2010 to 31-MARCH-2011 is Rs. 105618/-. The
provisional break-up of this amount into Principal and Interest and other information is given below:

PRINCIPAL COMPONENT Rs.14644/-

INTEREST COMPONENT Rs.90974/-

OTHER INFORMATION
PRE-EMI INTEREST Rs. 12760/-
THE PRINCIPAL OUTSTANDING ON 31-MARCH-2011 Rs. 1907356/-
PRINCIPAL AMOUNT PREPAID DURING THE YEAR Rs.0/-

Notes :

1. Interest is calculated on monthly rests. In case of Partly disbursed loans ,Pre-EMI is calculated till
the previous month end from the date of issuance of this certificate.

2. Interest and Principal figures are subject to change in case of pre-payment/s and/or change in
repayment schedule.

3. Deduction under section 24(b) of the Income Tax Act, 1961 in respect of interest on borrowed
capital and deduction under section 80 C of the Income Tax Act, 1961, can be claimed subject to
fulfillment of conditions prescribed therein.

4. This certificate is issued to you so as to be produced before employer for considering at the time of
deduction of Income tax at source from your salary.
This is computer generated certificate and does not require signature.

IDBI HOMEFINANCE LIMITED

Dattatray Tower, 2nd Floor, Naikwadi, Opp. McDonald's, Gokhale Road,

Thane (West) - 400 602

Tel 022 - 25384545 / 25338271 - 73 Fax 022 - 25338274

Corporate Office : 201, Pride House, University Road, Pune - 411016.

Tel : 91 020 25663271 - 75 Fax : 91 20 25660002