VIVIFI INDIA FINANCE PVT LTD.

(CIN: U65923TG2016PTC110767)
UNIT A, 9TH FLOOR, MJR MAGNIFIQUE, SURVEY NO 75 & 76,
KHAJAGUDA X ROADS, RAIDURGAM, HYDERABAD, TELANGANA - 500008

LOAN AGREEMENT
Executed by

Name of Borrower : IRFAN ABDUL GAFFAR SHAIKH

Account No : 1397457

This Loan Agreement (hereinafter referred to as Agreement , or Loan or Line or Line of Credit ) is made effective as of 8 day of
January,2023 day of, (hereinafter referred to as the Effective Date ), by and between

VIVIFI INDIA FINANCE PRIVATE LIMITED, a company incorporated under the provisions of the Companies Act, 2013, operating
through its physical office at 9th Floor, MJR Magnifique, Raidurgam, Hyderabad 500008, and its own website(s) and Digital Lending
Apps(DLA) FlexSalary, FlexPay, and FlexPayLoan (hereinafter referred to as Lender, which expression shall, unless it be
repugnant to the context or meaning thereof, include its successors and permitted assigns)

And

IRFAN ABDUL GAFFAR SHAIKH, residing at room no 84 plot no 11 gate no 05 malvani malad west mumbai 4, Malvani, Ins
Hamla, Mumbai, 400095, Maharashtra India, in the Key Fact Statement hereto (hereinafter referred to as the "Schedule") being
borrowers and co-borrowers, hereinafter collectively referred to as "Borrower" which expression shall, unless it be repugnant to the
context or meaning thereof, be deemed to mean and include his/her heirs, administrators and executors. In case of there being
more than one Borrowers (i.e. there being co-borrowers), the reference to the term "Borrower" shall be deemed to be as if it were
plural and this document shall be read accordingly as if made and liabilities undertaken by each of them jointly and severally.
Reference to the masculine gender includes reference to the feminine and neuter genders and vice versa.

THE BORROWER hereby irrevocably and unconditionally agrees to abide by the following terms and conditions:
a. Pursuant to the application by the Borrower ("Application"), the Lender has sanctioned a Loan with a limit not exceeding the
amount mentioned in the Schedule hereto (hereinafter referred to as "Loan"), and the Borrower agrees to borrow the same, subject
to and upon the terms and conditions contained in the loan Application and/or this agreement. Notwithstanding any other provisions
contained herein, the Borrower can cancel the Loan at any time from the Effective Date subject to repayment of the full outstanding
balance at such time which may include, at a minimum, the full principal outstanding at such time, any interest and other fees that
have become due on the loan at such time as per the Schedule annexed to this Agreement. The Borrower shall not use the Loan
for any speculative or illegal or anti- social purpose.
b. The Loan processing fees, documentation fees, interest, compound interest, default interest, conditional interest on continued
line usage, transaction fees, merchant fees, any other charges computed as interest or fees, dues and monies payable, costs and
expenses reimbursable, as outstanding from time to time and whether any of them due or not, are hereinafter collectively referred
to as "Outstanding Balance". The Borrower shall, within such time period and in the manner set out under the Schedule annexed to
this Agreement ( Tenor ), pay interest on the Loan, the unpaid due interest and all other outstanding fees, charges and monies
(except the default interest), at the rate of interest specified in the Schedule hereto, on the outstanding daily balance from the date
of Disbursement, on a simple interest basis at monthly rates, while the company retains the right to compound the unpaid and
overdue interest . The Lender in its sole discretion would be entitled to change the said rate of interest from time to time including
on account of changes made by the Reserve Bank of India, which would be intimated to the Borrower and would be binding upon
the Borrower. The Borrower shall also pay and bear all tax, if any, as applicable from time to time. The Borrower shall, within the
Tenor, repay the Loan and pay the interest that is due from time to time by way of monthly payments as specified in the Schedule
or as may be specified by the Lender from time to time (time being the essence of the contract). The Borrower has perused,
understood and agreed to Lender s method of calculating Interest and fees as also the appropriation thereof into principal, interest
and fees. The payment of all the monies by the Borrower shall be made on or before the respective due dates, at such place as the
Lender may require, without any set-off or counterclaim or withholding or deduction (save as required by law in which case the
amount payable by the Borrower to the Lender shall be increased to the amount which after making such deduction or withholding
equals the original due amount as if no withholding or deduction were required), by way of one or more modes and instruments
including post-dated cheques ("PDCs"), Standing Instructions (SI)/ Electronic Clearing System (ECS) instructions / UPI Payments/
NACH / other mode or instrument, as acceptable to the Lender from time to time. If any due date falls on a non-business day, the
payment shall be made by the Borrower on the immediately preceding business day. In case of cheques / other instrument, the
payment shall be deemed to have been made by the Borrower only at the point of time the sum is credited and realized fully in
Lender s account irrespective of the date of instrument or time of receipt or presentation of instrument. In case of any default, the
Borrower shall without prejudice to Lender's other rights and remedies, pay additional / default interest at the rate mentioned in the
Schedule hereto or as may be prescribed by the Lender, over and above the then applicable rate of interest till full payment is made
and default is cured. This liability shall not act as justification for any default.
c. The Borrower shall pay to Lender, the charges, fees, commissions, etc. specified in the Schedule hereto or as specified by the
Lender from time to time, within such time or on occurrence of such events as specified and if not specified then forthwith upon
demanded by the Lender. All other present and future costs and expenses, taxes (as applicable from time to time), any related levy,
stamp duty, in all jurisdictions, in relation to this or other documents or any transaction pursuant thereto, irrespective of who the
beneficiary is, shall be borne and payable solely by the Borrower, including enforcement, preservation of security, recovery,
initiating or defending or pursuing any legal proceedings or actions by Lender. In case of any such sums if paid or incurred by the
Lender, the Borrower shall be liable to reimburse the same to the Lender in full forthwith.
d. Any payments made by or on behalf of the Borrower or any realizations in relation to the Loan, security, during the Tenor, shall
be appropriated towards the Outstanding Balance and / or Liabilities (as defined hereinafter) in the following order: (a) Firstly,
towards costs and expenses incurred by the Lender; (b Secondly, towards any charges, commissions, fees, taxes, levies (wherever
applicable); (c) Thirdly, towards additional interest/ default interest / conditional interest on continued line usage; (d) Fourthly,
towards any and all fees including but not limited to Transaction Fees and Late Fees; (e) Fifthly, towards interest (f) Sixthly, towards
principal amount(s). Any statement of account furnished by the Lender shall be accepted by and be binding on the Borrower and
shall be conclusive proof of the correctness of the amounts mentioned therein except for any manifested error therein.
e. Notwithstanding anything stated in any document including this Agreement, the continuation of the Loan shall be at sole and
absolute discretion of the Lender and the Lender may at any time during the Tenor, in its sole discretion and without assigning any
reason call upon the Borrower to pay the Outstanding Balance and upon such demand by the Lender, the Borrower shall, within 48
hours of being so called upon, pay the whole of the Outstanding Balance to the Lender without any delay or demur.
f. The Borrower represents and warrants that; which shall be deemed to have been repeated to the Lender on the date of the
Disbursement and on each date thereafter till entire repayment obligations of the Borrower is complete: (a) The Borrower is a
citizen of India and is over 21 years of age and is of sound mind and is competent to contract and enter into and perform his/her
obligations contemplated under this Agreement or other document with respect of the Loan; (b) There is no impediment restriction,
whether under law, judgement, order, award, contract or otherwise, for the Borrower entering into and / or performing any of the
transactions contemplated by this Agreement or other documents in respect of the Loan and all approvals and consents, wherever
necessary have been duly obtained and are and will continue to be in full force; (c) The execution hereof constitutes legal, valid and
binding obligations of the Borrower; (d) That there is no existing Event of Default; (e) All declarations made by Borrower are true
and complete and no material information has been suppressed or withheld.
g. The Borrower shall furnish and create such security from time to time in favour of or for the benefit of the Lender, of such value,
in such form and in such manner, as may be deemed fit by the Lender, forthwith upon so required by the Lender, for the Tenor of
the Loan. The Lender shall also have the right to stipulate any further terms and conditions that it may deem fit at any time prior to
or after the grant of the Loan, which shall be binding on the Borrower.
h. The following events shall constitute events of default (each an "Event of Default"), and upon the occurrence of any of them the
entire Outstanding Balance shall become immediately due and payable by the Borrower and further enable the Lender inter alia to
recall the entire Outstanding Balance and / or enforce any security and transfer or sell the same and / or take, initiate and pursue
any actions or proceedings as deemed necessary by the Lender for recovery of the dues: (a) Failure on Borrower' part to perform
any of the obligations or terms or conditions or covenants applicable in relation to the Loan including under this Agreement or other
documents including non-payment in full or any part of the Outstanding Balance when due or when demanded by Lender; (b) any
misrepresentations or misstatement by the Borrower; or (c) occurrence of any circumstance or event which adversely affects
Borrower' ability to pay or repay the Outstanding Balance or any part thereof or perform any of the obligations; (d) If any
attachment, distress, execution or other process against the Borrower or its assets or any of the security is threatened, enforced or
levied upon by any person; or (e) fall, reduction or decrease, in the opinion of the Lender, in value of any security lower than the
value required by the Lender; (f) the event of death, insolvency, failure in business, commission of an act of bankruptcy of the
Borrower, or change or termination of employment or profession or business for any reason whatsoever, without the prior
information to the Lender.
i. The Borrower covenants and agrees that, save and except with the prior, specific and express written consent of the Lender, the
Borrower shall not, during the Tenor of the Loan: (a) create, assume or incur any further indebtedness to any person; or lend or
advance any amounts to any person; or undertake any guarantee or security obligation; (b) except in favour of the Lender, sell,
license, let, lease, transfer, alienate, dispose of in any manner whatsoever, surrender or otherwise encumber any of its assets,
rights, title or interest, receivables, or any part thereof; or create, facilitate or permit to exist any charge, encumbrance or lien of any
kind whatsoever over any of its property or grant any option or other right to purchase, lease or otherwise acquire, any such assets
or part thereof; (c) permit or effect any direct or indirect change in the legal or beneficial ownership or control; (d) Change or cease
or retire from or terminate or resign from the present employment or profession or business disclosed in the Application; or change,
terminate or open any lender account.
j. Notwithstanding anything to the contrary in this Agreement or any other document or arrangement: (i) in respect of all and any of
Borrower' present and future liabilities to the Lender, its affiliates, group entities, associate entities, parent, subsidiaries, any of their
branches (collectively "Relevant Entities"), whether under this document or under any other obligation or loan or facilities or
borrowings or document, whether such liabilities are/be crystallized, actual or contingent, primary or collateral or several or jointly
with others, whether in same currency or different currencies, whether as principal debt or and / or as guarantor and / or otherwise
howsoever (collectively "Liabilities"), each of the Lender and the Relevant Entities shall in addition to any general lien or similar
right to which any of them as bankers may be entitled by law, practice, custom or otherwise, have a specific and special lien on all
the Borrower' present and future stocks, shares, securities, property, book debts, all moneys in all accounts whether current,
savings, overdraft, fixed or other deposits, held with or in custody, legal or constructive, with the Lender and / or any Relevant
Entities, now or in future, whether in same or different capacity of the Borrower, and whether severally or jointly with others,
whether for any banking relationship, safe custody, collection, or otherwise, whether in same currency or different currencies; and
(ii) separately, each of the Lender and the Relevant Entities shall have the specific and express right to, without notice to and
without consent of the Borrower, set-off, transfer, sell, realize, adjust, appropriate all such amounts in all accounts (whether
prematurely or upon maturity as per the Lender s discretion), securities, amounts and property as aforesaid for the purpose of
realizing or against any of dues in respect of any of the Liabilities whether ear-marked for any particular Liability or not, combine or
consolidate all or any of accounts of the Borrower and set-off any monies, whether of same type or nature or not and whether held
in same capacity or not including upon happening of any of the events of default mentioned in any of the documents pertaining to
the respective Liabilities or upon any default in payment of any part of any of the Liabilities. (iii) The Lender and the Relevant
Entities shall be deemed to have and hold and continue to have first charge on any assets including any deposit on which security
has been/will be created in respect of the Loan, as security also for any of the other Liabilities and all the rights and powers vested
in the Lender in terms of any security or charge created for the Loan shall be available to the Lender and/or the Relevant entities
also in respect of such other Liabilities, irrespective of the fact whether the Loan is at any time outstanding, repaid or satisfied or not
and even after the Loan has been repaid or prepaid.
k. The Lender shall at any time during the Tenor, without any consent of or notice to the Borrower, sell, assign, discount or transfer
all or any part of the Lender s rights and obligations under the Loan, this document or any other document, to any person(s) and in
such manner and on such terms as the Lender may decide. Borrower shall not be entitled to directly or indirectly assign or in any
manner transfer, whether in whole or part, any rights, the benefit or obligation under the Loan, this/ other document.
l. Lender shall be entitled at its discretion to engage or avail of, at the risk and cost of the Borrower, services of any third-party
service provider or agent or agency, for anything required to be done for or in relation to or pursuant to the Loan, including
collections, recovery of dues, enforcement of security, getting or verifying any information of the Borrower or the Borrower s assets,
and any necessary or incidental lawful acts or deeds or matters and things connected thereto, as the Lender may deem fit.
m. The Lender shall have the right to not return the Application, the photographs, information and documents submitted by the
Borrower. The Lender shall, without notice to or without any consent of the Borrower, be absolutely entitled and have full right,
power and authority to make disclosure of any information relating to Borrower including personal information, details in relation to
documents, loan, defaults, security, obligations of Borrower, to the Credit Information Bureau of India (CIBIL) and / or any other
governmental or regulatory or statutory or private entity, credit bureau, RBI, the Lender s subsidiaries or affiliates or rating
agencies, service providers, other banks or other financial institutions, any third parties, any assignees or potential assignees or
transferees, who may need the information and process the information, publish in such manner and through such medium as may
be deemed necessary by the publisher or Lender or RBI, 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. In this connection, the Borrower
waives the privilege of privacy and privity of contract. The Lender shall have the right, without a notice to or without any consent of
the Borrower, to approach, make enquiries, obtain information, from any person including other banks or finance entities or credit
bureaus, Borrower' employer or family members, any other person related to the Borrower, to obtain -any information for assessing
track record, credit risk, or for establishing contact with the Borrower or for the purpose of recovery of dues from the Borrower.
n. Any notice, approvals, instructions, demand and other communications given or made by the Lender shall be deemed to be duly
given and served if sent by normal post, courier, registered post, facsimile, electronic mail, personal delivery, SMS or by pre-paid
registered mail addressed to the Borrowers address, phone or mobile number, fax number or email as given in the Application (or
at the address changed on which Lender s acknowledgement is duly obtained as hereinafter mentioned) and such notice and
service shall be deemed to take effect on the third working day following the date of the posting thereof in case of normal post,
courier, registered post, at the time of delivery if given by personal delivery, upon -receipt of a transmission report if given by
facsimile, upon sending the electronic mail or SMS if given by electronic mail or SMS. The Borrower undertakes to keep the Lender
informed always in writing of any change in the mailing address, email id, phone and mobile number as provided in the Schedule
and to obtain Lender s written acknowledgement on the intimation given to Lender for any such change.
o. The Loan, this Agreement or any other documents, shall be governed by the laws of India. The parties hereto expressly agree
that all disputes arising out of and / or relating to the Loan, this Agreement or any other relevant document shall be subject to the
exclusive jurisdiction of courts of Hyderabad, provided that exclusivity aforesaid shall bind the borrower and the Lender shall be
entitled to pursue the same in any other court of competent jurisdiction at any other place; and provide further that if any dispute is
below the pecuniary jurisdiction limit of the Debts Recovery Tribunals established under the Recovery of Debts due to Banks and
Financial Institutions Act, 1993, then such dispute shall be referred to arbitration in accordance with the provisions of the Arbitration
and Conciliation Act , 1996 as may be amended, or it re-enactment, by a sole arbitrator appointed by the Lender. The costs of such
arbitration shall be borne by the losing part or otherwise as determined in the arbitration award if a party is required to enforce an
arbitral award by legal action of any kind, the party against whom such legal action is taken shall pay all reasonable costs and
expenses and attorney s fees, including any cost of additional litigation or arbitration taken by the party seeking to enforce the
award.
 SCHEDULE - LINE OF CREDIT
a. Borrower Name : IRFAN ABDUL GAFFAR SHAIKH
room no 84 plot no 11 gate no 05 malvani malad west mumbai 4,
b. Residence Address :
Malvani, Ins Hamla, Mumbai, 400095, Maharashtra India
c. Current Employer : TELEPERFORMANCE INDIA PRIVATE LIMITED

d. Line of Credit Extended : Rs. 500.00

e. Line of Credit Start Date : 08-01-2023

You may request Cash Advances from your Account, up to the Credit
f. Requesting Cash Advances:
Limit. The Cash Advances can be requested to be either, directly
transferred into your designated bank account or to make transfers or
payments directly to the bank account(s) of any other deemed
merchant, where the disbursals are for a specific end use. Cash
Advances may be suspended if any portion of any Minimum Payment
Due (refer to clause l of the schedule) is past due.

g. How We Will Calculate all Finance charges based on
Your Balance:
We use the outstanding principal balance at the end of the day as the
basis for calculation of all finance charges. We calculate the finance
charges on your Account by applying the Daily Periodic Interest Rate
on the "outstanding principal balance at the end of the day" of your
Account (including current transactions) for the number of days in the
billing cycle.
All the Finance Charges are calculated only on simple interest basis
without any compounding.

Processing Fee One-time Processing Fee of Rs. 0.00 for processing the
Borrower s line of credit application charged at the first
withdrawal.
Tenor The Outstanding Balance shall be repayable by the Borrower
within 36 months from the date of disbursement of the Loan.
Interest on Loan Rs. 10 for each Rs. 10,000 per day pro-rated for the amount
borrowed and term of outstanding equaling 36.50% per annum,
if an outstanding is maintained throughout the term.
Conditional Interest on Continued Line Usage Rs. 0.00 for each Rs. 10,000 per month pro-rated for the amount
and term of outstanding equaling 0.00% per annum
Waiver of the Conditional Interest on Continued Line Usage
For each repayment being made by the borrower, the Lender
may at its sole discretion waive this Conditional Interest on
Continued Line Usage for the preceding billing period, if the
amount paid is equal to or greater than the sum of all
outstanding interest and fees due along with one-third (1/3rd) of
the Outstanding Principal Balance at that time.
Paying Interest You will be charged daily periodic interest from the date of each
transaction.
Transaction Processing Fee Charged on transactions made on the account based on the
detailed schedule is provided below clause k.
Default Interest None
Late Fees None
Penalty Fee None

The Lender has sanctioned a loan not exceeding the amount

h. Credit Limit
mentioned in the Schedule hereto and the Borrower agrees to borrow
the same.
The Borrower can close or cancel the Loan at any time during the
Tenor, by repaying the Outstanding Principal Balance and all
outstanding finance charges at such time.
The Lender may offer the Borrower renewed credit terms including
upgradation of credit limit with the Borrower's consent, from time to
time, by charging a Credit Reassessment Fee ranging between
Rs.300 and Rs. 500 per reassessment.
Your billing cycle will generally be consistent with the income cycle
i. Billing Cycle
information you provide to us. That is, if you receive income monthly
then your billing cycle will be monthly. Note that the initial billing cycle
 may be different than the regular billing cycle. The initial billing cycle
will be from the date of this Agreement until the day prior to your next
scheduled date to receive income. Payment Due Dates will generally
be consistent with your scheduled date to receive income.
The Borrower can close the loan within 7 days of first disbursement by
j. Cooling off/look-up period
repaying the Outstanding Principal Balance and all outstanding
finance charges at such time.
A transaction fee is charged basis the transacted value as provided
k. Transaction Processing Fee:
below:
-For transactions less than Rs. 100, the fee charged will be Rs. 2
for withdrawal and Rs. 0 for repayment transactions.
-For any transactions greater than or equal to Rs.100 and less
than Rs.500, the fee charged will be Rs.5 for both withdrawal and
repayment transactions.
-For any transactions greater than or equal to Rs.500 and less
than Rs.1500, the fee charged will be Rs.10 for both withdrawal
and repayment transactions.
-For any transactions greater than or equal to Rs.1500 and less
than Rs.2500, the fee charged will be Rs.20 for withdrawal and
Rs.10 for repayment transactions.
-For any transactions greater than or equal to Rs.2500 and less
than Rs.5000, the fee charged will be Rs.30 for withdrawal and
Rs.10 for repayment transactions.
-For any transactions greater than or equal to Rs.5000 and less
than Rs.10000, the fee charged will be Rs.50 for withdrawal and
Rs.20 for repayment transactions.
-For any transactions greater than or equal to Rs.10000, the fee
charged will be Rs.50 for withdrawal and Rs.25 for repayment
transactions.
-For the purpose of computation of fees, the transaction amount
will always be rounded up to the nearest Rupee

For the first repayment and the first withdrawal transaction account in
each calendar month, the following fees will be charged as shown
below for loans with credit limit greater than or equal to Rs. 2000.
-For the transaction value less than Rs.200, the fee charged will
be Rs.0 for withdrawal and repayment transactions.
-For the transaction value greater than or equal to Rs.200, only
50% of the above mentioned fee is charged on the withdrawal or
repayment transactions..
Each billing cycle you agree to pay us by demand draft, certified funds
l. Minimum Payment Due.
or by electronic fund transfer, at least the Minimum Payment Due by
the due date ("Payment Due Date"). If a Payment Due Date falls on a
bank holiday, then we will credit the payment received on the next
business day as if it were received on the scheduled Payment Due
Date.
Your Minimum Payment Due will be calculated to include all unpaid
interest and fees assessed by the Lender due for that billing cycle, if
any. Please note that the Lender also advises a principal repayment
ranging between 2.5% to 33.34% of the outstanding principal in the
billing statement but maintains this as optional. This advice is aimed
towards helping you repay your loan faster. If you choose to not make
the principal repayment portion with each statement or are unable to
remit the advised amount, you may remit to us only the interest & fees
that are due on your statement to keep your account from being
marked as past due or default. Please also note that although your
account will not be marked as past due or default, your outstanding
Principal will not be reduced. If you only pay the Minimum Payment
Due in each billing cycle, you will pay more in interest and it will take
longer to pay off your balance.

If you mail us a demand draft/money order, your payment must be

accompanied by your line of credit account number and mailed to the
address on the first page of this Agreement. If any mailed payment
does not conform to these requirements, then the processing and
application of the payment may be delayed, or the payment may be
rejected. The Borrower understands that all fees listed in this
Schedule are per the credit policy of the Lender and are subject to
 change. The Lender may choose to not assess any of the fees to any
or all of the Borrowers based on its sole discretion including the fees,
merchant fees, Conditional Interest on Continued Line Usage, late fee
etc.
All payments will be first applied to accrued and unpaid fees, then to
m. Application of Payments.
accrued and unpaid interest, and then to principal.
You promise to pay to us all Cash Advances, interest, fees and all
n. Promise To Pay.
other amounts owing to us in accordance with this Agreement.

DEFAULT ON YOUR LOAN ACCOUNT

You may be considered in default under this Agreement: (a) If we fail
a. Default and Cure.
to receive a Minimum Payment Due on or before its scheduled
Payment Due Date; (b) if you fail to timely comply with or perform any
other obligation under this Agreement; (c) if any representation or
warranty made by you to us is false or misleading; or (d) if you begin,
or if any other person puts you in, a bankruptcy, insolvency or
receivership proceeding. You may cure default by paying all past due
amounts and or paying your balance in full.
If you are in default under this Agreement, we may, at our option and
b. Our Rights in the Event of Default.
as permitted by law do any one or more of the following: (i) declare
your entire Account balance immediately due and payable and
proceed to collect it; (ii) close your Account or lower your Credit Limit;
(iii) exercise all other rights, powers, and remedies given by law; and
(iv) recover from you all charges, costs and expenses, including all
collection costs, court costs, and reasonable attorney s fees as
allowed by law. We may charge and collect interest following default
or judgment in our favor at the maximum rate allowed by law.
In the event we declare you in default under this Agreement, you
c. Payment Authorization Upon Default.
authorize us, and our successors and assigns, to initiate a one-time
automatic debit entry to your Bank Account in the amount of the entire
outstanding balance under this Agreement which will include all
outstanding principal, accrued & unpaid fees, accrued & unpaid
interest. You agree that we will initiate the single electronic debit entry
only in the event of default, only for the outstanding amount owing at
the time of acceleration, and within a reasonable time after we declare
the Account in default. We may re-initiate the debit additional times if it
is dishonored until your account balance becomes zero. You authorize
us to verify all of the information that you have provided to us relating
to your Bank Account. If there is any missing or erroneous information
in or with your loan application regarding your Bank Account, then you
authorize us to verify and correct such information.

OTHER PROVISIONS
a. In case of any assistance or complaints, you can contact our Loan officers at the
followingPhone:+91.40.4617.5151Email:support@vivifin.comPhysical mail: Unit A, 9th Floor, MJR Magnifique, Survey No 75
& 76, Khajaguda X Roads, Raidurgam, Hyderabad, Telangana - 500008
b. The Borrower has read and understood the Key Fact Statement in full

Digitally signed by SRINATH KOMPELLA

Date: 2023.01.08 01:14:23 +05:30
Reason: Digital Signature by Vivifi India Finance
(P) Ltd.
Location: Hyderabad
 Key Facts Statement - Vivifi India Finance Pvt Ltd
Date :08-01-2023 Lender's Name :Vivifi India Finance Pvt Ltd Applicant Name :Irfan Shaikh
Loan Number :1397457

S No Parameter Details

1 Loan amount (amount disbursed to the borrower) ₹500.00

Total interest charged during the entire tenure of the loan (36 months) as per the indicative payment
2 ₹252.69
schedule

3 Other up-front charges (break-up of each component given below) ₹0.00

a Processing Fees (One-time, incl. of GST) ₹0.00

b Insurance charges ₹0.00

c Others ₹0.00

4 Other Transaction Fees

i ₹0.00 to ₹25.00
Payment Transaction Fee

ii ₹2.00 to ₹50.00
Withdrawal Transaction Fee

5 Net disbursed amount ((1)-(3))

First Drawdown Upto₹500.00

Subsequent Drawdowns Any available credit

6 Total amount to be paid by the borrower (sum of (1), (2), (3) and (4)) (Net of the Withdrawals) ₹752.69

Annual Percentage Rate - Effective annualized interest rate (computed on net disbursed amount using
7 36%
IRR approach as per the indicative payment schedule)

8 Loan term 36 months

9 Repayment frequency by the borrower Monthly

10 Number of instalments of repayment 36

11 Amount of each instalment of repayment 19

Flexible; Minimum Payable :₹15.00

Details about Contingent Charges

20
12 Rate of monthly Conditional Interest on Continued Line Usage (CICLU) charged, in case of non- 0%
payment of outstanding principal (if any)

Annual Percentage Rate - Effective annualized interest rate (if 1/3rd of the outstanding principal is not
13 36%
repaid on each due date)

14 Rate of annualized other penal charges 0%

Other Disclosures

Cooling off / look-up period during which borrower shall not be charged any penalty on prepayment of
15 7 days
loan

16 Details of LSP acting as recovery agent and authorized to approach the borrower None

Grievance Redressal Officer

Name, designation, address and phone number of nodal grievance redressal officer designated Name:Prakash Rajan
17 Phone No :+91-9121196333
specifically to deal with FinTech / digital lending related complaints / issues
Email ID :prakash.rajan@vivifin.com

18 Other charges:

Credit Enhancement Fee (Optional; Charged upon Consent; Payable only if customer accepts the
₹350.00 to ₹500.00
enhancement)

Minimum Payable is the total amount of interest required to be paid by the customer to ensure that the
19 loan account is not past due, under the assumption that the customer is not making any principal
payment

CICLU is a conditional interest applicable for utilizing the line of credit; waivable if 1/3rd of the
20
outstanding principal is paid

Appendix

Billing Details :

S No Parameter Details

1 Due Date of Payment 1st of every month

2 Days in Billing Cycle:

a Billing Days in First Billing Cycle 30 days

b Billing Days in Subsequent Billing Cycles Based on calendar month

Interest and CICLU, pro-rated based on the number of days the

3 Billed Amount
principal is outstanding + the principal amount
Other Transaction Fee & Contingent Charge Details:

S No Parameter Details

Payment Transaction Fee: For Payments

up to one hundred rupees ₹0.00

between one hundred and one hundred and ninety-nine ₹5.00

i between two hundred and four hundred and ninety-nine ₹5.00

between five hundred and four thousand, nine hundred and ninety-nine ₹10.00

between five thousand and nine thousand, nine hundred and ninety-nine ₹20.00

greater than ten thousand rupees ₹25.00

Withdrawal Transaction Fee: For Withdrawals (first withdrawal is exempt from this fee)

up to one hundred rupees ₹2.00

between one hundred and one hundred and ninety-nine ₹5.00

between two hundred and four hundred and ninety-nine ₹5.00

ii
between five hundred and one thousand, four hundred and ninety-nine ₹10.00

between one thousand, five hundred and two thousand, four hundred and ninety-nine ₹20.00

between two thousand, five hundred and four thousand, nine hundred and ninety-nine ₹30.00

greater than five thousand rupees ₹50.00

Grievance Redressal Mechanism :

Level Description Coordinates

Grievance Redressal Officer

1 The customer shall register their initial complaint with the Grievance Redressal Officer at VIVIFI Name :Prakash Rajan
Phone No :+91-9121196333
Email ID :prakash.rajan@vivifin.com

Director
2 In case the complaint is not resolved within 15 days, the customer shall complain to the Director Name :Srinath Kompella
Phone No :+91-9989600266
Email ID :srinath@vivifin.com

Consumer Education and Protection Cell

In case the complaint is not resolved within 30 days, the customer may appeal to the Officer In-Charge Reserve Bank of India
3 of the Consumer Education and Protection Cell, Reserve Bank of India under whose jurisdiction the 6-1-56 Secretariat Road, Saifabad,
registered office of VIVIFI falls Hyderabad – 500 034
Email ID :crpc@rbi.org.in
 Loan ID Loan Amount Processing Fee

1397457 ₹500.00 ₹0.00

The repayment schedule shown below is only indicative, assuming a 5% reducing quarterly balance with a monthly 1/3rd principal balance payment. You have full flexibility to either follow the
Note: indicative schedule or make multiple withdrawals and payments at your discretion, including the ability to pay off the entire outstanding balance without any prepayment penalty. The APR calculation
shown in the KFS is based on the below repayment schedule.

S.No Description Charges Notes

1 Interest 3% per month

2 CICLU 0% per month

3 Pre-payment Penalty 0%

4 Late Fee ₹0

5 Bounce Check Fee ₹0

Monthly Instalment Schedule (Indicative)

Instalment No.
Withdrawal Amount Outstanding Principal Principal Payment Interest Payment Instalment Amount

0 ₹ 500 ₹ 500 ₹0 ₹0 ₹0

1 ₹0 ₹ 475 ₹ 25 ₹ 15 ₹ 40

2 ₹0 ₹ 451.25 ₹ 23.75 ₹ 14.25 ₹ 38

3 ₹0 ₹ 428.69 ₹ 22.56 ₹ 13.54 ₹ 36.1

4 ₹0 ₹ 407.26 ₹ 21.43 ₹ 12.86 ₹ 34.29

5 ₹0 ₹ 386.9 ₹ 20.36 ₹ 12.22 ₹ 32.58

6 ₹0 ₹ 367.56 ₹ 19.34 ₹ 11.61 ₹ 30.95

7 ₹0 ₹ 349.19 ₹ 18.37 ₹ 11.03 ₹ 29.4

8 ₹0 ₹ 331.74 ₹ 17.45 ₹ 10.48 ₹ 27.93

9 ₹0 ₹ 315.16 ₹ 16.58 ₹ 9.95 ₹ 26.53

10 ₹0 ₹ 299.41 ₹ 15.75 ₹ 9.45 ₹ 25.2

11 ₹0 ₹ 284.44 ₹ 14.97 ₹ 8.98 ₹ 23.95

12 ₹0 ₹ 270.22 ₹ 14.22 ₹ 8.53 ₹ 22.75

13 ₹0 ₹ 256.71 ₹ 13.51 ₹ 8.11 ₹ 21.62

14 ₹0 ₹ 243.88 ₹ 12.83 ₹ 7.7 ₹ 20.53

15 ₹0 ₹ 231.69 ₹ 12.19 ₹ 7.32 ₹ 19.51

16 ₹0 ₹ 220.11 ₹ 11.58 ₹ 6.95 ₹ 18.53

17 ₹0 ₹ 209.11 ₹ 11 ₹ 6.6 ₹ 17.6

18 ₹0 ₹ 198.66 ₹ 10.45 ₹ 6.27 ₹ 16.72

19 ₹0 ₹ 188.73 ₹ 9.93 ₹ 5.96 ₹ 15.89

20 ₹0 ₹ 179.3 ₹ 9.43 ₹ 5.66 ₹ 15.09

21 ₹0 ₹ 170.34 ₹ 8.96 ₹ 5.38 ₹ 14.34

22 ₹0 ₹ 161.83 ₹ 8.51 ₹ 5.11 ₹ 13.62

23 ₹0 ₹ 153.74 ₹ 8.09 ₹ 4.85 ₹ 12.94

24 ₹0 ₹ 146.06 ₹ 7.68 ₹ 4.61 ₹ 12.29

25 ₹0 ₹ 138.76 ₹ 7.3 ₹ 4.38 ₹ 11.68

26 ₹0 ₹ 131.83 ₹ 6.93 ₹ 4.16 ₹ 11.09

27 ₹0 ₹ 125.24 ₹ 6.59 ₹ 3.95 ₹ 10.54

28 ₹0 ₹ 118.98 ₹ 6.26 ₹ 3.76 ₹ 10.02

29 ₹0 ₹ 113.04 ₹ 5.94 ₹ 3.57 ₹ 9.51

30 ₹0 ₹ 107.39 ₹ 5.65 ₹ 3.39 ₹ 9.04

31 ₹0 ₹ 102.03 ₹ 5.36 ₹ 3.22 ₹ 8.58

32 ₹0 ₹ 96.93 ₹ 5.1 ₹ 3.06 ₹ 8.16

33 ₹0 ₹ 92.09 ₹ 4.84 ₹ 2.91 ₹ 7.75

34 ₹0 ₹ 87.49 ₹ 4.6 ₹ 2.76 ₹ 7.36

35 ₹0 ₹ 83.12 ₹ 4.37 ₹ 2.62 ₹ 6.99

36 ₹0 ₹0 ₹ 83.12 ₹ 2.49 ₹ 85.61

Registration Account Details

Email Address Mobile Number

mi.irfan.78625@gmail.com 9967011221

Alternate Phone Number Date of Birth

06-11-1999

First Name Last Name

Irfan Shaikh

PAN Maritial Status

LEAPS1522L

Gender Highest Educational Qualification

Male
Please sign across the photograph. Make sure that you start your
signature on the paper and continue across the photograph.
Institute Graduated From Year of Graduation
0

Vehicle Owned
TwoWheeler

Where do you live now?

Residence Type Pin code State

Parental 400095 Maharashtra

City Locality Address Line 1

Mumbai Ins Hamla room no 84 plot no 11 gate no 05 malvani
malad west mumbai 4

Address Line 2 Landmark Residing Since (in Years)

Malvani nak 13

Where do you work now?

Employment Type Industry Type Designation

Salaried 0 customer service

Total Work Experience (in Years) Name of Company Phone #

1 TELEPERFORMANCE INDIA PRIVATE LIMITED 2264949404

Phone Ext Work Email Pin Code

9169 malad.aspee@teleperformancedibs.com 400095

State City Address Line 1

Maharashtra Mumbai orlem

Address Line 2 Joining Date Gross Monthly Income

malad 03-08-2022 Rs. 36000.00

Net Monthly Income Loan Amount Needed? [Ex: ₹25000] Duration of Loan Needed [in Months]
Rs. 18500.00 Rs. 0 0

When does your salary get credited

1

When is Your Salary Deposited?

Account Type Account Number IFSC

Savings 50100437524525 HDFC0000411

Bank Name Branch Name  

HDFC BANK GREATER MUMBAI

Give us one of your Reference

Relationship References First Name References Last Name

Spouse sab sab
Declaration :

1. I/We hereby apply for a finance facility for the Line of Credit (“Facility”) mentioned in this application. I/We declare that all the particulars and

information and details given/filled in this Application Form are true, correct complete and up-to date in all respects and no information has been

withheld. I/We understand that the information given in this application shall form the basis of any loan that Vivifi India Finance Private Limited

(“Vivifi”) may decide to grant to me/us and if at any stage of processing this application, it comes to the knowledge of Vivifi that, I/we have provided

any incorrect or incomplete information, fabricated documents, false or fake documents, they will be treated by Vivifi as having been manipulated by

me/us and Vivifi shall have the right to forthwith reject this loan application, cancel / revoke any sanction or further drawdowns or recall any loan

granted at any stage of processing the application, without assigning any reason whatsoever and Vivifi and its employees/ representatives/ agents /

service providers shall not be responsible/liable in any manner whatsoever to me/us for such rejection or any delay in notifying me/us of such

rejection (including for any payments which may have been made by me to any vendor/ service provider prior to cancellation). I/We understand that

Vivifi will also be procuring personal information from other sources/agents for taking appropriate credit decision and I/We have no objection for the

same. I/We further confirm that I/we am/are aware of all terms and conditions of availing finance from Vivifi. I/We authorize Vivifi to make references

and inquire relating to information in this application which Vivifi considers necessary, including from the banks where I hold bank accounts. I/We

authorize Vivifi to procure my /our PAN No/copy of my/our PAN Card, other identity proof and Bank Account details from time to time, exchange,

part with/share all information relating to my/our loan details and repayment history with other banks/financial institutions /Credit Information

Companies/bureaux etc. and periodically obtain / generate Credit Reports and such other reports as may be required and I/we shall not hold Vivifi

liable for use of this information. I/We confirm that there are no criminal or insolvency proceedings against me/us.

2. I/ We declare that I/ We have not made any payment in cash, cheques or by any other mode along with or in connection with this Application Form to

the person collecting my/our Application Form. I/ We shall not hold Vivifi or its employees/representatives/agents/service providers liable for any such

payment made by us to the person collecting this Application Form.

3. I/We understand and consent explicitly that Vivifi will utilize alternate sources of data apart from obtaining credit bureau records in order to determine

if a loan could be extended. These alternate sources would be utilized now or in the future to better evaluate my profile in decisioning of my loan

application and for analysing behaviour after my loan is approved and disbursed.

4. I/We, consent that Vivifi may communicate with me at reasonable time through telephonic calls, or SMS on my mobile number mentioned in the

Application Form as well as in this undertaking, or through any other communication mode, transactional information, various loan offer schemes or

loan promotional schemes or any other promotional schemes which may be provided by Vivifi and I/we hereby authorize Vivifi and their employee,

agent, associate to do so. I confirm that laws in relation to the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC

Registry”) as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/calls/ SMSs received from

Vivifi, its employees, agents and/or associates. I/We explicitly provide consent to Vivifi to use any means necessary to establish communication with

me/us including but not limited to Voice calls, Texts, SMS, WhatsApp messages, In-app notifications, IVR dialling and Skype calls/texts.

5. I/we understand that I/we have an option of not providing the information as required in this application form or as may be required by Vivifi from

time to time. However, I/We do hereby expressly and irrevocably authorize Vivifi to collect, store, share, obtain and authenticate any aspect of my

personal information / KYC either directly or through any of the authorized agencies and disclose such information to its agents/contractors/service

providers and to also use such information in the manner that may be required by Vivifi including for the purposes of this loan and for purposes of its

business and for such time period as they may deem fit. In this regard, I/we expressly and irrevocably authorize Vivifi to collect, use, verify and

authenticate my / our personal identity information / KYC in any manner without any notice to me / us.

6. I/We confirm that we have read and understood and accepted the general terms and conditions for the grant of Loan Facility. I/we also understand

that the General Terms and Conditions shall be deemed to be applicable to any Drawdown granted by Vivifi pursuant to this application form. Vivifi

shall be entitled to take such legal action as it may deem fit, upon occurrence of any of the Events of Default as set out and agreed by me/us in the

above mentioned General Terms and Conditions of loan.

Customer Signature : ___________________________ Date : ___________________________