Name

of the Borrower/Customer : UNNIKRISHNAN UNNIKUTTAN Date: 20/03/2023

Sr. no. Particulars Details

1. Customer ID 9745391407

2. Credit Facility Amount INR 50000

3. Sanctioned Amount (amount disbursed/ to be INR 28000

disbursed)

4. Total Interest charge during the tenor of the Nil

loan/Interest free credit period (in INR)

5. Other up-front charges, if any INR 9832

5.a. Processing Fees (if any) INR 496

5.b. Other charges/Advance EMI INR 9336

6. Total amount to be paid by the borrower (sum of (3), INR 28496

(4) and (5a))

7. Annual Percentage Rate (APR)

a. Borrower/Customer will not be charged any upfront
interest. As a part of our tie-up, the service
provider/Merchant shall pay us the upfront subvention
directly to the lender, Our effective Internal Rate of
Return (IRR) shall be in the range of 36% on an
annualized basis
IRR may get impacted in case of pre-
payment/foreclosure of the loan
b. 0% Annualized interest rate charged to the
borrower/customer for specified loan tenor.
In case of conversion of part or full loan amount 36%
Annualized interest rate will be charged for the
agreed tenor.
c. Subvention fee is borne by Merchant and received by
Lender. VAS fee, if any is borne by Merchant,
collected by the lender and passed on to the
LSP/DLAs.

*Subvention and VAS fee are NOT recovered/passed on to the

borrower by the Merchant/service provider

8. Tenor of the loan (days/months) 12 EMIs

9. Mode of Repayment NEFT/RTGS/Cash/enach/cheque

10. Repayment Frequency (Monthly)/Bullet Repayment Monthly

10.a. Interest free credit period In case of bullet repayment the customer is provided a pre- specified
interest free credit period. In case borrower fails to repay the full loan
amount within the pre- specified interest free credit period the
outstanding loan amount is converted to interest bearing EMIs at the
rate of 36% p.a.

12. No. of Instalments of repayment 12

13. Amount of each Instalment of repayment INR 2334

13. Borrower Details

13.a. Name of Borrower UNNIKRISHNAN UNNIKUTTAN

13.b. Legal constitution Individual

13.c. Name of Legal Entity NA

13.d. Customer Address VANIAMKODE HOUSE

ELAVAMPADAM,KIZHAKKENCHERRY,ELAVAMPADAM P
O,PALAKKAD,KERALA,678684

13.e. Corporate Office Address NA

13.f. CIN/LLPIN, if applicable NA

13.g. PAN AITPU4433A

13.h. GST NA

13.i. Contact no. 9745391407

13.j. Email ID 2019unnikuttan@gmail.com

HARVINDER FINANCE COMPANY PRIVATE LIMITED

Registered office: C-85, Ganesh Nagar, Tilak Nagar, Delhi (west), Delhi-110018, India
Corporate office: 315, C-wing, 215 Atrium, next to Courtyard Marriott,
A.K. Road, Andheri (E), Mumbai- 400093, Maharashtra, India

URL: www.harfin.in Email ID: compliance@harfin.in CIN: U65921DL1991PTC291534 GST no: 27AAACH4683H1ZG


14. Banking Details

Bank Account no. 67384838083

Account Holder Name Mr UNNIKKUTTAN U

IFSC No. SBIN0070164

Description of Business (Salaried/Self Employed) salaried

Details about Contingent charges

15. Rate of annualized penal charges in case of delayed 36% p.a. on overdue outstanding amount
payments (if any)

16. Rate of annualized other penal charges (if any) NIL

17. Cooling off/ look up period 3 days from disbursal

18. Details of LSP acting as recovery agent and authorized GMoney Private Limited
to approach the borrower Address: 1019, C wing, Atrium 215, next to Courtyard Marriott Hotel,
Andheri-kurla road, Andheri (East), Mumbai-400093, MH, India

19. Details of grievance redressal officer Name: Viral Shah

Designation: Head of Operations
Address: 315, C wing, Atrium 215, next to Courtyard Marriott Hotel,
Andheri-kurla road, Andheri (East), Mumbai-400093, MH, India
Contact number: 9615495154
Email: grievance@gmoney.loans

20. Fees and Charges

a. CIBIL Report copy Charge Included in processing fees

b. Identity Verification Charge Included in processing fees

c. Bank Verification Charge Included in processing fees

d. E-Mandate Registration and Transaction cost Included in processing fees

e. Stamp Duty Charges Included in processing fees

f. Documentation Verification Fees Included in processing fees

g. Cheque or NACH mandate bounce charges INR 500/- per bounce plus applicable taxes

h. PDC or ECS swapping Charges INR 500/- per bounce plus applicable taxes

i. Cheque /SI/ECS return charges INR 500/- per instance (without prejudice to the civil and criminal
rights and remedies available to the Lender for the dishonor) plus
applicable taxes

j. Loan Cancellation Charges NIL (Interest and Processing fees will not be charged during Cooling
period. Post that, Processing fees will not be refunded. Interest would
be charged for the interim period between date of disbursement and
date of loan cancellation.)

k. Legal, repossession and Incidental Charges At actuals

l. Other Charges As may be prescribed/informed by the Lender from time to time

m. Documents collection charges NIL

Warm Regards,
Harvinder Finance Company Private Limited

HARVINDER FINANCE COMPANY PRIVATE LIMITED

Registered office: C-85, Ganesh Nagar, Tilak Nagar, Delhi (west), Delhi-110018, India
Corporate office: 315, C-wing, 215 Atrium, next to Courtyard Marriott,
A.K. Road, Andheri (E), Mumbai- 400093, Maharashtra, India

URL: www.harfin.in Email ID: compliance@harfin.in CIN: U65921DL1991PTC291534 GST no: 27AAACH4683H1ZG