06-Sep-2021

Mr./Ms. G MOHAMMED NIZAMUDDIN

#28 S1 THANSIYA AVENUE 2FLR
BALARAMAN AVENUE PONNAMALLEE
NR SUNDAR MATRICULATION SCHOOL
CHENNAI 600056

Dear Customer,

Subject: Insta Jumbo Loan Account: 1019010012882821 ( mention this number for any query/
payments in regards to your Insta Jumbo Loan)

We are pleased to grant you Insta Jumbo loan as per the details stated below. The loan amount would
be disbursed to you as per your request.

Insta Jumbo card no. 434677XXXXXX9526

Loan no. 0000000000071568630
Unsecured Loan Type Insta Jumbo Loan
Amount Rs.500000.00
Fixed Interest Rate 1.46% p.m.
Tenure 48 Months
EMI Rs.14562.39
Processing Fee Rs.250.00
Preclosure charges 3% (of principal outstanding at the time of closure) + GST @ 18%

For the First EMI, the Interest will be calculated from the loan booking date till the payment due
date.This is effective only for loans booked from September 5th, 2018 onwards.

In case you require any further assistance, please contact PhoneBanking within 7 days of
receiving this letter.

Most important Terms &Conditions

Please note that physical statement will not be sent for Insta Jumbo Loan account. The billing cycle date
&payment due date will be the same as your credit card account.Loan amount will be credited to your
savings account and reflect in your account balance post any applicable debits (negative balance if any) on the
respective account. EMI will be billed in the monthly Jumbo Loan statement starting from the immediate billing
cycle date.If loan has been disbursed to HDFC Bank Savings A/c, AutoPay will be activated within 7 days
from the date of loan booking. Your savings bank account will be debited for auto pay on the monthly EMI
amount due within 5 working days from the payment due date (PDD) as indicated in the loan account
monthly statement. If the savings account does not have sufficient funds, you will be liable to pay
applicable charges as indicated in the loan account statement. Auto Debit return penal interest 2% on
payment amount subject to minimum Rs.300 will be levied. If loan has been disbursed through Demand
Draft (DD), please make separate payment for Total Amount Due as per Jumbo Loan Statement to Jumbo
Loan Card Number (mentioned above) in addition to payment for your credit card before the payment due
date.Prior to completion of the Loan / Pre-Closure whichever is earlier, you cannot withdraw / cancel auto debit
instruction on your loan. Non-payment or partial payment of EMI outstanding will attract late payment penalty of
Rs.500 plus GST irrespective of EMI amount outstanding. No finance charge will be levied on non-payment or
partial payment of EMI outstanding. GST @ 18% are applicable on: (i) Processing fee (ii) Pre-closure charges.
Processing fee amount will get levied during the immediate billing cycle post loan booking. Partial pre payment or
partial closure is not permitted on this loan. The loan can be pre closed any time during the tenure. In case of pre-
closure of the loan, a charge, currently 3% of the balance principal outstanding plus GST @ 18% will be
applicable As the pre-closure charge is subject to change, we request you to contact PhoneBanking for the
applicable charge if you decide to pre-close the Loan. HDFC Bank reserves the right to revise the pre-closure
penalty at its discretion. Additional interest if any on the principal outstanding from last statement date till date of
loan pre closure need to be paid by customer.
The loan amount should not be re-invested in stock markets, mutual funds or any speculative purpose. Only 2
Insta Jumbo Loans can be active at any point of time. The loan once approved and processed cannot be
cancelled. Tenure confirmed at the time of booking cannot be changed. If your HDFC Bank Credit Card get closed
before all the installments have been charged, the loan outstanding will get debited to your card account. In case
of default in payment of EMI on the Due date, your loan account services shall be suspended and could further be
terminated. Notwithstanding anything stated above, the continuation of the loan shall be at the sole discretion of
the bank and outstanding will be payable to the bank on demand. GST will not be reversed under any
circumstances. Processing fee will not be reversed under any circumstances.

HDFC Bank reserves the right at any time, without previous notice, to add, alter, modify, change or vary all or any
of these terms and conditions or to replace wholly or in part this scheme by another offer, whether similar to the
offer or not, or to withdraw it all together. You will not hold HDFC Bank responsible for, or liable for, any actions,
claims, demands, losses, damages, costs, charges, expenses, which a participant may suffer, sustain or incur by
the Offer. All disputes, if any, arising out of or in connection with or as a result of the Offer or otherwise relating
hereto shall be subject to the exclusive jurisdiction of the competent Courts/Tribunals in Chennai only. The terms
and conditions contained in the Card member Agreement apply over and above the terms and conditions for this
Loan.

Enclosed Amortization schedule of Loan Number 0000000000071568630 for loan Amount 500000.00 (*GST
@ 18% extra). You can also view the amortization schedule by logging into NetBanking >Cards> Credit
cards >Enquire >Loan Details

No Statement Principal Interest Balance No Statement Principal Interest Balance

Date Amount (excluding Date Amount (excluding
GST*) GST*)
1 16-08-2021 7262.39 7786.70 492737.61 25 16-08-2023 10283.86 4278.53 282766.14
2 16-09-2021 7368.42 7193.97 485369.19 26 16-09-2023 10434.00 4128.39 272332.14
3 16-10-2021 7476.00 7086.39 477893.19 27 16-10-2023 10586.34 3976.05 261745.80
4 16-11-2021 7585.15 6977.24 470308.04 28 16-11-2023 10740.90 3821.49 251004.90
5 16-12-2021 7695.89 6866.50 462612.15 29 16-12-2023 10897.72 3664.67 240107.18
6 16-01-2022 7808.25 6754.14 454803.90 30 16-01-2024 11056.83 3505.56 229050.35
7 16-02-2022 7922.25 6640.14 446881.65 31 16-02-2024 11218.25 3344.14 217832.10
8 16-03-2022 8037.92 6524.47 438843.73 32 16-03-2024 11382.04 3180.35 206450.06
9 16-04-2022 8155.27 6407.12 430688.46 33 16-04-2024 11548.22 3014.17 194901.84
10 16-05-2022 8274.34 6288.05 422414.12 34 16-05-2024 11716.82 2845.57 183185.02
11 16-06-2022 8395.14 6167.25 414018.98 35 16-06-2024 11887.89 2674.50 171297.13
12 16-07-2022 8517.71 6044.68 405501.27 36 16-07-2024 12061.45 2500.94 159235.68
13 16-08-2022 8642.07 5920.32 396859.20 37 16-08-2024 12237.55 2324.84 146998.13
14 16-09-2022 8768.25 5794.14 388090.95 38 16-09-2024 12416.22 2146.17 134581.91
15 16-10-2022 8896.26 5666.13 379194.69 39 16-10-2024 12597.49 1964.90 121984.42
16 16-11-2022 9026.15 5536.24 370168.54 40 16-11-2024 12781.42 1780.97 109203.00
17 16-12-2022 9157.93 5404.46 361010.61 41 16-12-2024 12968.03 1594.36 96234.97
18 16-01-2023 9291.64 5270.75 351718.97 42 16-01-2025 13157.36 1405.03 83077.61
19 16-02-2023 9427.29 5135.10 342291.68 43 16-02-2025 13349.46 1212.93 69728.15
20 16-03-2023 9564.93 4997.46 332726.75 44 16-03-2025 13544.36 1018.03 56183.79
21 16-04-2023 9704.58 4857.81 323022.17 45 16-04-2025 13742.11 820.28 42441.68
22 16-05-2023 9846.27 4716.12 313175.90 46 16-05-2025 13942.74 619.65 28498.94
23 16-06-2023 9990.02 4572.37 303185.88 47 16-06-2025 14146.31 416.08 14352.63
24 16-07-2023 10135.88 4426.51 293050.00 48 16-07-2025 14352.63 209.55 0.00

This is a computer generated letter and does not require a signature.