Business Loan Term & Overdraft Agreement

Dear Applicant,

We are pleased to welcome you to the Tata Capital Family!

Pursuant to your loan application, kindly find enclosed the below documents pertaining to
your loan:

a) Loan Agreement / T&C

b) Key Fact Statement
c) Repayment Schedule
d) Privacy Policy

Thank you,

Yours truly,
For Tata Capital Financial Services Limited

For Tata Capital Financial Services Limited

Signed and delivered by the within named Lender

Tata Capital Financial Services Limited
by the hands of its Authorized Signatory/ Constituted
Attorney Mr Deepak Aggarwal
Authorised Signatory/ies

TATA CAPITAL FINANCIAL SERVICES LIMITD

 Business Loan - Key Fact Statement & Loan Details
Place of
1) Mumbai
Execution
Date of
2) 28/07/2023
Execution

Name of
3) Regulated Tata Capital Financial Services Limited
Entity

a) Name: SANJEEV GUPTA

b) Constitution: Self Employed - Non Professional

c) Address SO SHEO RATAN GUPTA 236 SHARDA KUNJ STREET 3 NEAR LAXMI APPARTMENT MAGISTRATE COLONY DORAND SBI ATM, Ranchi, Jharkhand, 834002, IND

a) Name:

b) Constitution:

c) Address
a) Name:

Details of b) Constitution:
the
4) Borrower/s c) Address
& Co- a) Name:
Borrower/s
b) Constitution:

c) Address
a) Name:

b) Constitution:

c) Address
a) Name
b) Constitution
c) Address
5) Purpose Business Working Use

a. Amount
of the Initial Rs. 510207 /-
Facility/
Loan (Rupees FIVE LAKH TEN THOUSAND TWO HUNDRED SEVEN only)
Amount
6)

b. Amount Rs. /-
of
Additional (Rupees only)
Facility

Processing 2.65
7) % of the Loan Amount/ Facility amount Rs. 13545
Fees
a) Insurance & Third-Party Product Charges Rs. 12707
b) Stamp Duty Rs. 100.00
c) Documentation Charges 2359.00
Other Broken Period Interest
8)
Deductions d) (Broken Period Interest amount and 1st EMI date depend on the date of disbursal and the final figures Rs. 0.0
would be mentioned in the Welcome Letter)

e) Other Charges (if any) Rs. NA

f) Total Deductions (a + b + c + d+ e) Rs. 15166

Net
9) Disbursed (6) less (7 + 8.f) Rs. 481496.0
Amount

Type of
10) Facility Term Loan Facility:  or Revolving Facility:  Tenure (in Months): 48
opted
 If Revolving Facility, then

a) Maximum Credit Limit Rs. /-

(Rupees )

 Dropline Facility

b)

 Flexi Facility (Combination of Fixedline + Dropline) of which Fixedline tenure of months.

c) Frequency at which the Maximum Credit Limit shall be reduced: Monthly

Amount by which Maximum Credit Line shall be reduced on the frequency specified in (c) Maximum Credit Limit
d)
above: Remaining Tenure
a) First EMI due on 05/09/2023
b) Last EMI Date 05/08/2027
c) Instalment Due Date
Repayment
11) d) No. of Instalments of Repayment 48
Schedule
Monthly Instalment payable (including insurance in case of insurance provision) under term Rs. 15799.0
e)
loan facility per month
f) Repayment frequency by the Borrower Monthly

Moratorium
12) period (if
any)

a) Interest Type: Fixed

Interest 21.0
13) b) Rate of Interest: % p.a.
Payable
c) Total interest charge during the entire tenor of the loan 248139

For default in payment of interest and/ or principal amounts – 3% per month on overdue amount (Annualized
a)
penal charge of 36%)
Additional
14)
Interest
For delay or non-submission of the financial statements or such other documents as required under the Facility
b)
Documents - 3% per month (Annualized penal charge of 36%)

Foreclosure charges on Term Loan Facility:

a) 4.5% on the principal outstanding at the time of foreclosure.
In case the Borrower forecloses the Facility within 12 months after doing part-prepayment, foreclosure charges of 4.5%
b)
will be levied on the principal outstanding plus part prepayment amount.
Any prepayment/foreclosure made during the Lock-in period will attract additional 2% over and above the prepayment/
c)
foreclosure charges mentioned in (a) above on the principal outstanding at the time of foreclosure.
Foreclosure charges on Top-up:
Foreclosure
15) a) 2.50% on the principal outstanding at the time of foreclosure.
Charges
b) Foreclosure charges shall be levied only if new rate is lower than existing rate.
Any prepayment/ foreclosure made during the Lock-in Period will attract prepayment/ foreclosure charges of 4.5% on the
c)
principal outstanding.
Foreclosure Charges in Dropline Facility:
a) 4.5% on the Dropped down limit amount.
Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2% over and above the prepayment/
b)
foreclosure charges mentioned in (a) above on the Dropped down limit

a) Payment Instruments swapping Rs. 550/- per instance

Rs. 2000/- for every Cheque/ Payment

b) Dishonour Charges
Instrument Dishonour
16) Charges Rs. 450/-
(Charges will be levied if new mandate
c) Mandate Rejection Service Charges form is not registered within 30 days
from the date of rejection of previous
mandate form by Borrower’s bank for
any reasons whatsoever.)
 First Year: 0.75% or Rs. 1000,
(whichever is higher) per year will be
deducted from the limit and shall be
payable at the end of the 13th month.
d) Annual Maintenance Charges for BL Overdraft (Dropline facility)
Subsequent Year: 0.50% or Rs. 1000,
(whichever is higher) per year will be
deducted from the limit and shall be
payable at the end of the 13th month.
2% of the Loan Amount/ Facility amount
OR
e) Cancellation charges Rs. 5750/-
Whichever is higher

f) Duplicate Repayment Schedule Rs. 550/-

g) Duplicate NOC Rs. 550/-

Customer portal – Nil

h) Statement of Account (SOA)
Branch walk in – Rs. 250/-
Customer portal – Nil
i) Foreclosure Letter Charge
Branch walk in – Rs 199/-
j) Post Dated Cheque Charges Rs. 850/- + GST
Legal Charges
a) SEC 138 & Sec 25 filing Rs. 3400/-
b) Arbitration Filing Rs. 4000/-
District Court: Rs. 4000/- and High
c) Receiver Order
court: Rs. 13,500/-
d) Notice Rs. 125/-
e) Legal Notice Rs. 300/-

f) Charge for Notice & another legal notice Rs. 3000/-

g) Execution of award Rs. 5600/-

a) Life Insurance Premium 10207
b) General Insurance Premium
Insurance &
Third-Party c) Health Insurance Premium
17)
Product d) IHO Plan Amount 2500
Charges
e) One Assist Plan Amount 0
f) CPP Plan Amount 0
a) Total Amount to be paid by the borrower (6 + 13.c) Rs. 758346.0
Other
Annual Percentage Rate % - Effective annualized interest rate (in percentage) (computed on
18) Important
b) net disbursed amount using IRR approach and reducing balance method) % p.a.
Details 63.0
Note: APR may change in case there is change in the Scheme opted.
Cooling off/ look-up period during which borrower shall not be charged any penalty on 5 days from the date of
a)
prepayment of loan loan disbursal
b) Details of LSP acting as recovery agent and authorized to approach the borrower Not Applicable
c) Details of Nodal Grievance Redressal Officer:
i) Name Francyna Dias

Other ii) Designation Grievance Redressal Officer

Disclosures
11th Floor, Tower A, Peninsula
iii) Address Business Park, Ganpatrao Kadam
19) Marg, Lower Parel, Mumbai - 400013
iv) Phone No. 18602676060
If you are not satisfied with the resolution, please visit the link: https://www.tatacapital.com/contact-
us/customer-grievances.html and submit your grievances

Note: (GST, other government taxes and levies as applicable, will be levied on all fees and charges in this document)
 Place of
Arbitration

20) Delhi  Chennai  Mumbai  Kolkata  Bangalore 

(Tick,
whichever is
applicable)

Jurisdiction

21) (Tick, Delhi  Chennai  Mumbai  Kolkata  Bangalore 

whichever is
applicable)

Relevant
Sr.
Conditions Provisions Timelines
No. in T&Cs
Clause
a) End use certificate shall be provided by the Obligors to the Lender Within 30 days
2(C)(i)
Clause
5.14 and/or
b) Fresh Payment Instruments shall be delivered by the Obligors to the Lender Within 7 days
Clause
5.18
Within 45 days from the
end of the relevant
TDS certificate in the Form No. 16A of the IT Act downloaded from the TDS quarter in which tax is
Clause
c) Reconciliation Analysis and Correction Enabling System (“TRACES”) website deducted and within 75
5.25.5
shall be provided by the Obligors to the Lender days from the end of the
last quarter of the
financial year

22) Timelines
An amount equivalent to the TDS amount paid by the Obligors shall be
refunded to the Borrower by the Lender upon receipt of the TDS certificate and Clause
d) Within 90 days
subject to compliance with the conditions stipulated in the relevant provision of 5.25.5
the T&Cs.

after the 30 days of the

Clause
e) TDS refund claim will not be entertained by the Lender. succeeding financial
5.25.5 year
not later than 60 days of
Credit of the TDS amount may be requested by the Obligors by furnishing of Clause
f) the succeeding financial
the TDS certificate. 5.25.9
year

Joint and several liability of the Obligors to indemnify and keep the Indemnified within 15 days from the
g) Clause 11
Person(s) indemnified and harmless. date of demand

Privacy Policy: Please refer to the privacy policy on:

https://www.tatacapital.com/content/dam/tata-capital/pdf/footer/Privacy_Commitment.pdf
 Business
Personal Loan Term & Overdraft Agreement

Installment or Repayment Schedule Chart

Amount (Rs.)
Effective
Opening
Instl. # Due Date Installment Principal Interest Rate (%) /
Balance Days
1 05/09/2023 510,207 15,799 6,870 8,929 21.00/30
2 05/10/2023 503,337 15,799 6,991 8,808 21.00/30
3 05/11/2023 496,346 15,799 7,113 8,686 21.00/30
4 05/12/2023 489,233 15,799 7,237 8,562 21.00/30
5 05/01/2024 481,996 15,799 7,364 8,435 21.00/30
6 05/02/2024 474,632 15,799 7,493 8,306 21.00/30
7 05/03/2024 467,139 15,799 7,624 8,175 21.00/30
8 05/04/2024 459,515 15,799 7,757 8,042 21.00/30
9 05/05/2024 451,757 15,799 7,893 7,906 21.00/30
10 05/06/2024 443,864 15,799 8,031 7,768 21.00/30
11 05/07/2024 435,832 15,799 8,172 7,627 21.00/30
12 05/08/2024 427,660 15,799 8,315 7,484 21.00/30
13 05/09/2024 419,346 15,799 8,460 7,339 21.00/30
14 05/10/2024 410,885 15,799 8,609 7,190 21.00/30
15 05/11/2024 402,277 15,799 8,759 7,040 21.00/30
16 05/12/2024 393,517 15,799 8,912 6,887 21.00/30
17 05/01/2025 384,605 15,799 9,068 6,731 21.00/30
18 05/02/2025 375,537 15,799 9,227 6,572 21.00/30
19 05/03/2025 366,309 15,799 9,389 6,410 21.00/30
20 05/04/2025 356,921 15,799 9,553 6,246 21.00/30
21 05/05/2025 347,368 15,799 9,720 6,079 21.00/30
22 05/06/2025 337,648 15,799 9,890 5,909 21.00/30
23 05/07/2025 327,758 15,799 10,063 5,736 21.00/30
24 05/08/2025 317,695 15,799 10,239 5,560 21.00/30
25 05/09/2025 307,455 15,799 10,419 5,380 21.00/30
26 05/10/2025 297,037 15,799 10,601 5,198 21.00/30
27 05/11/2025 286,436 15,799 10,786 5,013 21.00/30
28 05/12/2025 275,649 15,799 10,975 4,824 21.00/30
29 05/01/2026 264,674 15,799 11,167 4,632 21.00/30
30 05/02/2026 253,507 15,799 11,363 4,436 21.00/30
31 05/03/2026 242,144 15,799 11,561 4,238 21.00/30
32 05/04/2026 230,583 15,799 11,764 4,035 21.00/30
33 05/05/2026 218,819 15,799 11,970 3,829 21.00/30
34 05/06/2026 206,850 15,799 12,179 3,620 21.00/30
35 05/07/2026 194,670 15,799 12,392 3,407 21.00/30
36 05/08/2026 182,278 15,799 12,609 3,190 21.00/30
37 05/09/2026 169,669 15,799 12,830 2,969 21.00/30
38 05/10/2026 156,839 15,799 13,054 2,745 21.00/30
39 05/11/2026 143,785 15,799 13,283 2,516 21.00/30
40 05/12/2026 130,502 15,799 13,515 2,284 21.00/30
41 05/01/2027 116,987 15,799 13,752 2,047 21.00/30
42 05/02/2027 103,235 15,799 13,992 1,807 21.00/30
43 05/03/2027 89,243 15,799 14,237 1,562 21.00/30
44 05/04/2027 75,006 15,799 14,486 1,313 21.00/30
45 05/05/2027 60,519 15,799 14,740 1,059 21.00/30
46 05/06/2027 45,779 15,799 14,998 801 21.00/30

TATA CAPITAL FINANCIAL SERVICES LIMITED

 Business
Personal Loan Term & Overdraft Agreement

47 05/07/2027 30,781 15,799 15,260 539 21.00/30

48 05/08/2027 15,521 15,799 15,527 272 21.00/30
Total 758,352 510,213 248,139

TATA CAPITAL FINANCIAL SERVICES LIMITED

Disclaimer:

ß First EMI date depends on the date of disbursal. It may vary, in case the disbursal happens till 11th (for 3rd day
EMI Date of next month) and 15th (for 5th day EMI date for Next month) for Term Loan and 8th of the month
(for BL Overdraft) then the First EMI date will be on the 3 of the next month, else the first EMI date will be on the
4 of the next to next month.
ß Net Disbursed Amount may change if there is a difference in agreement execution date and actual loan
disbursal date on account of change in Broken Period Interest or any changes opted post execution of the
agreement.
ß This Repayment Schedule and its figures and calculation are as on _________
28/07/2023 and may vary based on the

applicable date of disbursement