Digital E-Stamp: Government of Uttar Pradesh

Digital e-Stamp
INDIAN – NON JUDICIAL

GOVERNMENT OF UTTAR PRADESH
Digital e-Stamp
Certificate No IN-UP13275148530502V
Certificate Issue Date 21-Jan-2023 10:45 AM

Account Reference No SHCIL01 (CR)/ UPSHCIL10/ LUCKNOW/ UP-LKN
Unique Doc. Reference UP0001INESL2023021166640
Purchased by BANK OF BARODA
Property Description NOT APPLICABLE
Consideration Price (Rs) 200000.00

First Party BANK OF BARODA
Second Party PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR

Stamp Duty Paid By BANK OF BARODA
Stamp Duty Amount (Rs) 100.00
Description of Doc. ARTICLE 5C GENERAL LOAN AGREEMENT
QR
Certificate Number: IN-UP13275148530502V
KEY FACTS STATEMENT
Date: 20-JAN-2023 14:16
Applicant Name: PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI
Name of the Regulated entity: Bank of Baroda
Name of Lender: Bank of Baroda
Product: Personal Loan
Sr. No PARAMETER DETAILS
Loan amount (amount disbursed to the borrower) (in

(i) Rs. 2,00,000/-[Rupees Two Lakh only]
Rs.) *
Rs. 23,772/-[Rupees Twenty Three

Total interest charge during the entire tenure of the loan
(ii) Thousand Seven Hundred Seventy
(in Rupees) @ 14.6 % per annum
Two only]
Other up-front charges (break-up of each component to Rs. 4,820/-[Rupees Four Thousand
(iii)
be given below) (in Rupees) Eight Hundred Twenty only]
Rs. 4,000/-[Rupees Four Thousand

(a) Processing fees (in Rupees)
only]
(b) Insurance charges (in Rupees) Not Applicable
Others (if any) (in Rupees) * Includes GST charges and Rs. 820/-[Rupees Eight Hundred
(e)
Stamp Duty charges Twenty only]
Rs. 1,95,180/-[Rupees One Lakh

(iv) Net disbursed amount ((i)-(iii)) (in Rupees) Ninety Five Thousand One Hundred
Eighty only]
Rs. 2,23,772/-[Rupees Two Lakh

Total amount to be paid by the borrower (sum of (i) and
(v) Twenty Three Thousand Seven
(ii)) (in Rupees)
Signature Not Verified Hundred Seventy Two only]
Digitally signed by Punit Kumar tripat
setu bandhu rameshwr
Date: 2023.01.21 15:19:59 IST
Reason: Agreement Executed
Location: Uttar Pradesh
Page 1
Effective annualized interest rate (in percentage) (computed

(vi) on net disbursed amount using IRR approach and reducing 17.85 %
balance method)
(vii) Loan term (in months) 18
(viii) Repayment frequency by the borrower Monthly
(ix) Number of instalments of repayment 18
Rs. 12,440/-[Rupees Twelve

(x) Amount of each instalment of repayment (in Rupees)
Thousand Four Hundred Forty only]
Details about Contingent Charges
Penal Interest @ 2% p.a. will be

charged for non - payment/ delayed
payment/ breach/ violation/ non-
Rate of annualized penal charges in case of delayed
(xi) compliance of any terms and
payments (if any)
conditions of the sanction on the
entire outstanding for overdue
period.
Rate of annualized other penal charges (if any); (details to

(xii) Not Applicable
be provided )
Other disclosures
Cooling off/look-up period during which borrower shall not There are no pre-closure charges
(xiii)
be charged any penalty on prepayment of loan applicable
Please click here to know more or

Details of LSP acting as recovery agent and authorized to
(xiv) visit Banks' Website www.
approach the borrower
bankofbaroda.co.in.
Signature Not Verified
Date: 2023.01.21 15:19:59 IST
Page 2
Mr. Pankaj Mittal - General

Name Manager (Operation and
Services)
Nodal Grievance Redressal

Designation
Officer
Name, designation, address and phone number
of nodal grievance redressal officer designated
(xv)
specifically to deal with FinTech/ digital
lending related complaints/ issues Bank of Baroda, Head Office,
Baroda House, RC Dutt Road,
Address
Alkapuri, Baroda, Gujarat -
390007
Phone number
of Nodal
Grievance 0265-2316792
Redressal
Officer
To know about Privacy policy, please click here or visit Banks' Website www.bankofbaroda.co.in.

Date: 2023.01.21 15:19:59 IST
Page 3
Sanction letter
Ref No: DILPLMI16163799 Date & Time : 20-JAN-2023 14:16
To
PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI,
Vill Sahuadih Post Deoria Pandey,
Kushinagar,
Kushinagar - 274304
Dear Sir/Madam,
Re: Your request for Baroda Digital Personal Loan of Rs. 2,00,000/-[Rupees Two Lakh only]
We are pleased to inform you that your request for Digital Personal Loan has been considered favorably
and sanctioned on the following terms and conditions;
Terms and Conditions:
Name of product : Baroda Digital Personal Loan (Pre-Approved Mini Personal Loan)
Purpose of loan : Others
Facility : Demand Loan
Sanctioned Limit : Rs. 2,00,000/-[Rupees Two Lakh only]
Applicable Rate of Interest is 14.6 % per annum, which is a sum

of:
BRLLR 8.85 (at present), Strategic Premium of 0.25 (at present),

Rate of interest : Credit Spread of 5.5 % (at Present).
The Interest shall be payable at monthly rests. The Bank shall be

entitled to reset the Interest rate (Including any of its components
as mentioned above) on monthly basis.

Date: 2023.01.21 15:19:59 IST
Page 4
Loan Tenure : 18 Months
Equated Monthly Installment

: Rs. 12,440/-[Rupees Twelve Thousand Four Hundred Forty only]
(EMI) Amount
EMI will commence from 10th of next calender month from the
EMI Commencing from :
date of disbursement.
The Sanctioned Loan amount will be disbursed in your Primary

Disbursement Details
Account Number , after netting off the applicable charges, if any.
Rs.4000 + GST
Processing charges :
Stamp duty charges applicable
Penal interest @ 2% P.A. will be charged for non-payment /

delayed payment / breach/violation /non-compliance of any terms
Penal Interest :
and conditions of the sanction on the entire outstanding for
overdue period.
Foreclosure charges : Nil
Security Documents to be
: Composite Loan Agreement for Personal Loan
obtained

Date: 2023.01.21 15:19:59 IST
Page 5
Other Conditions:
01. This sanction is valid for -30- Days from the date of sanction
Equated monthly instalments are fixed for the convenience of the borrower, whereby interest
payable towards the loan is spread over the entire term of repayment fixed. The repayment of all
such equated monthly instalment will not be construed as full repayment /settlement of loan
02.
account. On payment of all equated monthly instalments, residual amount if any, in the account
due to debiting of overdue / penal interest / additional interest as a consequence of revision in
interest rates, other incidental charges shall be paid separately by the borrower
Rate of Interest is linked to BRLLR of the Bank. The BRLLR prevailing on the date of
03. disbursement will be applicable till the next reset date. The Bank shall be entitled to reset the
Interest rate (including any of the components of BRLLR) on monthly basis.
There will be a Strategic Premium of 25 bps [100 basis points (bps) =1%] for personal loan, over
04. and above credit risk Premium. The Strategic Premium will remain constant for a borrower’s loan
facility for a period of three years and may be revisited after every three years.
The Interest Rate under External Benchmark (i.e. RBI Repo Rate component of Interest Rate)
shall be reset at monthly intervals for the existing loan facilities linked to Baroda Repo Linked
05.
Lending Rate (BRLLR). Any charge in the RBI repo rate during the month will take effect from
the beginning of the following month.
The interest on the amount of the Loan will be applied at the prevailing rate per annum on daily
06.
reducing balance with monthly rests.
The Bank may at its discretion, either increase /decrease the EMI amount or period of loan
07. (subject to maximum stipulated period mentioned under the scheme guidelines) to accommodate
the increase/decrease in rate of interest.
Penal interest @ 2% P.A. will be charged for non-payment / delayed payment on the outstanding
08.
for overdue period / breach/violation/non-compliance of any terms and conditions of the sanction.
Date: 2023.01.21 15:19:59 IST
Page 6
The unified processing charges at the rate prescribed by the Bank and GST thereon as prescribed
09. by Government of India will be borne by the borrower. The charges for applicable stamp duty &
any other charges (if applicable) will also be borne by the borrower.
The Borrower agree and authorize the bank to recover the charges, i.e. Processing including
GST, applicable stamp duty etc., payable by him/her, from out of the loan sanctioned and the
10.
remaining amount be credited to his/her account. Further the said amount deducted will also be
treated as amount lent to him/her and part of the loan amount which he/she shall be liable to repay.
Bank reserves the right to recall the concessions, if any, if the account is not conducted
11.
satisfactory as per stipulated terms of sanction.
E-Mandate/mandate/SI for repayment of EMIs through ECS/NACH/Auto Debit is to be executed

by the Borrower within 30 days from the date of sanction of loan. In case of non-execution of e-
12. mandate/SI/NACH/ECS, borrower has to ensure timely repayment of loan otherwise penal interest
@ 2% P.A. will be charged for non-payment / delayed payment on the outstanding for overdue
period /breach/violation/non-compliance of any terms and conditions of the sanction.
The Group Credit Life Policy is offered to the applicable during the digital journey and in case of
acceptance of the offer, the premium amount has to be borne by the applicant post sanction /
disbursement. Further, the insurance cover will only be effective, after receipt of the premium
amount by the insurance company. The bank will not be held liable in case of delay/non payment
13.
of premium or any other issue that may arise at the time of availing insurance cover. The premium
for Group Credit Life (GCL) insurance shown in the sanction letter or Digital Lending Platform is
indicative only, it may differ on submission of relevant documents/required information to the
Insurance company at the time of actual issuance of policy.
The sanctioned loan amount will be disbursed in your Account Number by netting of the
14.
processing charges, stamp duty and other charges (if any).
15. In case of any default / non-compliance the Bank has right to recall the facility.

Date: 2023.01.21 15:19:59 IST
Page 7
The facility is granted to you for a period of 18 months, subject to annual renewal, the Bank
reserves the right to recall the facility or alter the terms and conditions at any time, during the
currency of the facility. Bank also reserves the right to discontinue the facility/advance and to with-
16. hold/stop any disbursement, without giving any notice in case of non-compliance/breach of any of
the terms and conditions stipulated herein, or any information's / particulars furnished to us found
to be incorrect or in case of any development or situations wherein in the opinion of the Bank, its
interest will be/ is likely to be prejudicially affected by such continuation or disbursements.
The customer acknowledges that (i). Usage of any sanctioned funds by the customer and/or (ii).
17. Acceptance by way of clicking on the check box (I accept & agree) would be deemed acceptance
of the terms and conditions of this sanction letter by the customer.
This sanction letter is issued by Bank of Baroda based on the input provided by you and information
pulled by various data points with your consent to compute the eligibility for Baroda Digital Personal
Loan.
We once again thank you for choosing Baroda Digital Personal Loan.
With Regards,
Bank of Baroda
**This is an electronically generated sanction letter, hence does not require any signature.
All Terms and conditions for Baroda Digital Personal Loan Accepted by
Name of Applicant: PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI
Date & Time: 20-JAN-2023 14:16

Date: 2023.01.21 15:19:59 IST
Page 8
LOAN AGREEMENT– PERSONAL LOAN (UNSECURED)

This LOAN AGREEMENT is made at the place and date respectively specified in Sr. No. [1] and [2] of
Schedule I (Details of the Facility) respectively, by:
Such Indian inhabitant / person of Indian origin whose name/(s) and address/(es) is/are specified in Sr.
No. [4] of Schedule I (hereinafter referred to as the “Borrower”, which expression shall, unless repugnant
to the context or meaning thereof include his/her/their/its transferees, successors-in-interest, heirs,
executors and permitted assigns (as applicable);
IN FAVOUR OF
BANK OF BARODA, a body corporate constituted under the Banking Companies (Acquisition and
Transfer of Undertakings) Act, 1970, having its head office at Baroda Bhavan, R C Dutt Road, Alkapuri,
Vadodara - 390 007, Gujarat and represented through its branch office specified in Sr. No. [3] of
Schedule I hereinafter referred to as the “Bank” which expression shall, unless repugnant to the context
or meaning thereof include its successors and assigns
WHEREAS:
The Borrower has requested the Bank to sanction the Facility (defined hereinafter) which the Bank has
agreed to sanction subject to inter alia the terms and conditions set out in this Agreement.
NOW, THEREFORE, in consideration of the Bank granting or agreeing to grant the Facility to the
Borrower for the Purpose and other good and valuable consideration, the receipt and adequacy of which
are hereby acknowledged, the Borrower hereby agrees, affirms and undertakes as follows:
1. DEFINITIONS AND CONSTRUCTION

1.1 Definitions
Unless the subject or context otherwise requires, the expressions listed below shall have the following
meanings:
“Additional Interest Rate” means an additional interest rate payable by the Borrower, as more
particularly set out in Sr. No. [14] of Schedule I (Details of the Facility).
“Agreement” means this Agreement, as amended or modified from time to time.
“Applicable Interest Rate” means the interest rate more particularly set out in the Sr. No. 9 of Schedule
I (Details of the Facility) which the Bank may levy on the amounts outstanding under the Facility
whether by way of principal amount or interest payments.
“EMI” means an equated monthly / quarterly / half yearly installment of such amount as may be
determined by the Bank from time to time under this Agreement, which comprises of the principal
amount of the Facility and interest calculated at the Applicable Interest Rate payable by the Borrower on
a monthly / quarterly / half yearly basis (as the case may be), amortizing the Facility (in the manner as set
out in the Schedule II hereto) subject to revision/ change as mentioned in Para 4.2 and 6.2 . Such EMIs
may eitherNot
Signature be equated
Verifiedor otherwise and shall be payable by the Borrower after disbursement of the
Facility
Digitally signedLimit as pertripat
by Punit Kumar the terms of the Finance Documents.
Date: 2023.01.21 15:19:59 IST
Page 9
“Events of Default” shall have the meaning prescribed to it in Clause 12 (Event of Default).
“Facility” mean the facility as more particularly set out in Sr. No. [7] of Schedule I (Details of the
Facility).
“Facility Limit” means the amount sanctioned to the Borrower (in respect of the Facility), more
particularly set out in Sr. No. [8] of Schedule I(Details of the Facility).
“Finance Documents” means, collectively:
(a) this Agreement;
(b) any other document executed by the Borrower in relation to the Facility and/or designated as a
‘Finance Document’ by the Bank.
“Material Adverse Effect” means any material adverse effect on:

(a) the financial condition, assets, prospects of any of the Borrower
(b) the ability of any of the Borrower to perform and comply with its obligations under any Finance
Document; and
(c) the validity, legality or enforceability of any Finance Document.
“Obligations” mean the payment of principal amount of the Facilities, together with all interest,
Additional Interest, Penal Interest, premia on prepayment, all other costs, charges and expenses or any
other payment due and payable to or incurred by the Bank (each, in connection with or in terms of the
Finance Documents).
“Overdue Amount” means, (with reference to any particular date) any amount due to the Bank
(including any additional interest/penal interest, cost and charges) under any Facility, if it is not paid on
the due date fixed by the Bank.
“Penal Interest” shall be payable as per the terms of clause 7 of this agreement at the rate more
particularly set out in the Sr. No. 15 of Schedule I (Details of the Facility).
Personal Loan Facility means the facility availed or proposed to be availed by the Borrower for any
personal use (but excluding, any speculative purposes).
“Prepayment Charges” shall have the meaning prescribed to it in Clause 5.1.
“Purpose” shall mean the purpose for which the Facility has been sanctioned by the Bank and shall have
the meaning ascribed to it in Sr. No. [6] of Schedule I (Details of the Facility).
“RBI” means the Reserve Bank of India.
2. FACILITY
2.1 Subject to the terms and conditions set out in this Agreement and other Finance Documents, and at
the request of the Borrower, the Bank has offered to lend the Facility to the Borrower.
2.2 The Borrower agrees that the proceeds of the Facility shall be used only for the Purpose, for which
the loan is availed and not for any other purpose nor shall the proceeds of the Facility be used for any
speculative purposes and/or any purpose prohibited under any applicable law and/or regulation.
2.3 The Borrower agrees that Bank shall at its sole discretion, may disburse the Facility in full or in
part, as the Bank may deem fit. The Bank shall be at the liberty to withdraw the Facility or withhold any
disbursement thereunder, at any time, without assigning any reason thereof.
Signature
3. DISBURSEMENT Not Verified UNDER THE FACILITY
Date: 2023.01.21 15:19:59 IST
Page 10
3.1 The Borrower agrees that the Bank may at its absolute discretion upon execution of this Agreement,
other Finance Documents and other documents to the satisfaction of the Bank and fulfillment of other
conditions as may be stipulated by the Bank, Bank may disburse the Facility in lump sum or installments.
3.2 The Bank may in its sole and absolute discretion at any time: (a) reduce or cancel any part of the
Facility Limit; (b) refuse to grant any disbursement under the Facility; or (c) recall the entire Facility,
without assigning any reasons to the Borrower.
3.3 The Bank may at its discretion disburse the Facility by direct credit into an account of a third party
as requested by the Borrower.
4. REPAYMENT
The Borrower agrees to repay the outstanding amounts in connection with the Facility in the following
manner:
4.1 Each Facility shall be repayable by the Borrower in the manner set out in the Schedule II
(Repayment Schedule), as may be modified by the Bank from time to time and communicated to the
Borrower through letter or email as per the terms of Clause 14.10 (Notices).
4.2 EMI
(a) The payment of EMIs shall commence as per the terms of this Agreement. EMIs are so fixed in the
manner whereby interest payable towards the loan is spread over the entire term of repayment fixed. The
payment of each or all such equated monthly instalments shall not be construed as full repayment/
settlement of the Facility. On payment of all the EMIs, residual amount, if any, in the account due to
debiting of overdue/ penal interest, additional interest as a consequence of revision in interest rates, other
incidental charges, etc., shall be paid separately by the Borrower.
(b) The Bank shall be entitled to vary/modify the EMI (either by way of increase of the amount of one
or more instalment/s or period of repayment or otherwise) in the event of any variation in the Applicable
Interest Rate.
(c) Any amounts received may be appropriated by the in its sole discretion in the following order of
priority:
I. firstly, for the payment of the charges;

II. secondly, for payment of the Applicable Interest; and
III. thirdly, the principal amount of the Facility.
(d) The Borrower on or before the payment of EMI becoming due shall promptly pay the EMIs
together with all other applicable charges and costs payable under this Agreement, on the respective due
dates, without any demur, protest or default and without claiming any set-off or counterclaim and in any
of the modes acceptable to the Bank including but not limited to payment by way of cheques, bank drafts,
pay orders, standing instructions or payment by way of National Electronic Funds Transfer (NEFT), Real
Time Gross Settlement (RTGS), electronic clearing service or in such other manner as may be acceptable
to the Bank.
5. PREPAYMENT
5.1 At the written request of the Borrower, the Bank may allow the Borrower to prepay the Facility (in
whole or part) by payment of the outstanding amount to the Bank, upon payment of Prepayment Charges,
as more particularly set out in the Sr. No. 13of Schedule I (Details of the Facility).
5.2 Any prepayment shall take effect only after the receipt of such amount by the Bank.
Date: 2023.01.21 15:19:59 IST
Page 11
6. INTEREST RATE AND OTHER CHARGES

6.1 Subject to Clause 6.2, the rate of interest payable on the Facility shall be the Applicable Interest
Rate specified in the Sr. No. 9 of Schedule I (Details of the Facility) (or such other Applicable Interest
Rate as may be notified by the Bank from time to time). The Borrower agrees to pay interest at
Applicable interest Rate on the daily outstanding balance in the manner as specified in the Sr. No. 9 of
Schedule I (Details of the Facility) and such interest being added to the balance outstanding on such rests
as mentioned in the Sr. No. 9 of Schedule I (Details of the Facility) and the said interest if unpaid will
become part of the amount advanced and bear further interest as per the terms of this Agreement.
6.2 The Bank shall be entitled to reset the Applicable Interest Rate from time to time during the tenor
of the Facility either by updating the website of the Bank at < https://www.bankofbaroda.co.in > (or such
other appropriate places from time to time) (“Website”) in such mode as may be prescribed. If the
Borrower is not agreeable to such reset in the Applicable Interest Rate, the Borrower at his option may
prepay the entire outstanding amount of the Facility together with applicable interest, charges, expenses,
fees, costs, etc., within the stipulated time as the Bank may stipulate for charging such revised rate of
interest. If the Borrower fails to prepay the entire outstanding amount of the Facility within, the time so
stipulated then the revised Applicable Interest Rate shall take effect and becomes final and binding on the
Borrower.
6.3 The Borrower agrees to pay all costs, charges, expenses including legal expenses, stamp duty,
penalties, other incidental charges and expenses incurred in connection with this Agreement.
7. PENAL INTEREST
7.1 In the event of non-compliance of any of the terms of this Agreement or any other term stipulated
by the Bank in its sanction letter, including but not limited to payment of any EMI, charges or any other
amounts to the Bank on the respective due date (s)the Borrower agrees to pay the Penal Interest under the
Facility at such rates, as mentioned in the Sr. No. 15 of Schedule I (Details of the Facility). Such Penal
Interest will be computed from and including the date of non-compliance by the Borrower till the date of
compliance by the Borrower to the satisfaction of the Bank.
7.2 In the event the Borrower commits any default in compliance with the terms of this Agreement and
or terms of sanction, then the Borrower agrees to pay the Penal Interest under the Facility from the date
of such occurrence of such non-compliance or omission till the date on which such non-compliance or
omission is remedied to the satisfaction of the Bank.
7.3 The levy of Penal Interest shall be on such amount as mentioned in the Sr. No. 15 of Schedule I
(Details of the Facility).
7.4 The Borrower agrees that the Penal Interest is a genuine pre-estimate of the loss likely to be
suffered by the Bank on account of any default, breach or non-compliance by the Borrower in
discharging his/her obligations as agreed hereunder.
7.5 The Borrower hereby agrees and undertakes that the Bank will be entitled/authorized/permitted to
charge and/or deduct/debit from their respective bank account maintained with the Bank, any sum of
money as the Bank may incur or bear towards Penal Interest payable by the Borrower to the Bank in
relation to any Facility. Any such costs, charges, expenses, fee, or any other levy if unpaid, will become
part of the amount advanced and bear further interest as applicable to the Facility.
8. CHARGES AND OTHER FEE / CHARGES

The Borrower agrees to pay to the Bank, all fees and charges including, processing charges, and
Signature Notcharges,
miscellaneous Verifiedin the manner and for the amount as more particularly set out in the Sr. No. 12 of
Schedule I (Details of the Facility) and such other fees and charges as may be intimated by the Bank to
the Borrower from time to time.
Date: 2023.01.21 15:19:59 IST
Page 12
9. REPRESENTATIONS AND WARRANTIES

The Borrower makes the following representations and warranties as of the date hereof and such
representations and warranties are deemed to be repeated on each day till all the amounts in relation to
the Facility is repaid in full to the satisfaction of the Bank, and when made (or deemed to be repeated) are
done so with reference to the facts and circumstances then existing:
The Borrower:
(a) is of sound mind and has the capacity to enter into and perform its obligations under the Facility
Documents and is not otherwise disqualified under the provisions of the Contract Act and any other
applicable law;
(b) has, the power to own his / her / its property and other assets and carry on his / her / it’s business /
profession as it is being conducted;
and
(c) is not otherwise disqualified under the provisions of the Contract Act and any other applicable law.
9.1 Each of the Finance Documents when executed by the Borrower constitutes legal, valid and binding
obligations of that Borrower, enforceable.
9.2 The execution, delivery, entry into and performance by the Borrower of, and the transactions
contemplated by, the Finance Documents do not and will not conflict:
(a) with any applicable law, statute or regulation or any judgment or decree to which the Borrower is
subject; and
(b) or result in any breach of any of the terms of or constitute default of any covenants, conditions and
stipulations under any existing agreement to which the Borrower is a Party.
9.3 All clearances, permissions or authorizations required or desirable:
(a) to enable the Borrower to lawfully to enter into, exercise its rights and comply with its obligations
and consummate the transactions contemplated under this Agreement and the Finance Documents to
which it is a Party;
(b) to ensure the legality, validity, binding effect and enforceability of the Agreement and the Finance
Documents to which it is a Party;
(c) to make the Finance Documents to which it is a Party admissible in evidence; and
have been obtained and are in full force and effect.
9.4 No Event of Default is existing or has occurred or is expected to result from the making of any
disbursements under the Facility.
9.5 The Borrower has not been identified as a wilful defaulter as per the guidelines of RBI.
9.6 The Borrower is in compliance with the provisions of all applicable laws and there is no litigation,
proceedings or disputes pending or threatened against or affecting Borrower, which could have a
Material Adverse Effect on any Borrower or its assets.
9.7 Borrower
Signature has not been declared as bankrupt and no moratorium has been declared and no action,
Not Verified
steps or legal proceedings have been initiated or threatened against the Borrower for the appointment of
receiver or administrator on the assets of the Borrower.
Date: 2023.01.21 15:19:59 IST
Page 13
9.8 All taxes, levies, outgoings and other charges of whatsoever nature due and payable in respect of
the assets of the Borrower are duly paid in accordance with applicable laws.
9.9 It is not necessary under the applicable law that any Finance Document be filed, recorded or
enrolled with any court or other authority in India or that any stamp, registration or similar tax be paid on
or in relation to any Finance Document or the transactions contemplated by any Finance Document other
than:
a. the stamp/ registration duties paid on any Finance Document prior to its execution in India;
b. court fees to be paid in connection with any proceedings brought before a court in India;
9.10 The Borrower has the creditworthiness for the purpose of the availing the Facility and shall
provide satisfactory evidence of such creditworthiness to the Bank.
9.11 The particulars of the legal heirs of the Borrower and unencumbered assets of the Borrower as
more particularly described in Sr. No. [10 and 11] of Schedule I (Details of the Facility) are true, correct
and complete. The Borrower further agrees that the above mentioned particulars have been furnished to
the Bank to enable it to take steps for recovery of its dues from any or all of the heirs, jointly and or
severally, in the event of death of the Borrower during the currency of this Agreement.
9.12 Other than as disclosed already and ratified by the Bank, the Borrower has not availed the loan
facility of the nature similar to the Facilities from any bank or financial institution (other than the Bank).
9.13 Each representation, statement, fact, figure and particulars contained in the Finance Documents
is true, correct and complete.
10. GENERAL COVENANTS AND UNDERTAKINGS

10.1 The Borrower undertakes that the particulars of the legal heirs of the Borrower as more
particularly described in Sr. No. [10] of Schedule I are furnished to enable the Bank to take steps for
recovery of its dues from any one/ some/ all of them in the event of Borrower’s demise, or of any one or
some or all of us during the currency/ pendency of the Facility. The Borrower further agrees, undertakes
and assures that he/she/it shall promptly inform the Bank in writing of any change in the above
particulars of my/our legal heirs that may be occasioned by birth, death, marriage, etc., and/or, on
account of any change in the applicable laws.
10.2 The Borrower unconditionally and irrevocably agrees that in case he/she/it commits any default in
the repayment of such loan/advances or in the repayment of interest thereon or any of the agreed
instalment of the loan on date, the Bank shall have a right to ascertain the details of the unencumbered
assets through or from various sources by engaging the services of professionals or through public by
way of advertisement in newspapers/any other media publication seeking details of the unencumbered
assets of the Borrower.
10.3 The Borrower agrees that it will be liable to the Bank for any obligation which may be standing in
the name of the Borrower in the books of the Bank (on the date of the receipt of notice by the Bank in
relation to any change in constitution of the Borrower) and until all Obligations shall have been
discharged by the Borrower (to the satisfaction of the Bank).
10.4 The Borrower hereby undertakes that, in the event of his death during the term of the Facility, the
Bank shall have an unqualified right to recover all the dues owed by the Borrower to the Bank from one
or all of his legal heirs (as more particularly listed in Sr. No. [10] of Schedule I (Details of the Facility)).
The Borrower shall, promptly and without any delay, intimate the Bank in writing of any change in the
particulars of the legal heirs listed in this Agreement.
10.5 The Borrower hereby agrees that, in the event of change of status of the Borrower from non-
resident to resident or from resident to non-resident, the Borrower shall inform the Bank forthwith in
Date: 2023.01.21 15:19:59 IST
Page 14
writing and the Bank shall have an unqualified right to impose such revised or additional terms and
conditions (including but not limited to revision in the Facility Limit) as may be notified by the Bank.
The Borrower agrees that such revised or additional terms and condition shall be deemed to be a part of
this Agreement without any further actions by any Borrower.
10.6 The Borrower hereby agrees and undertakes that the Bank will be entitled/authorized/permitted to
charge and/or deduct/debit from their respective bank account maintained with the Bank, any sum of
money as the Bank may incur or bear towards costs, charges, expenses, fee, or any other levy payable by
the Borrower to the Bank in relation to any Facility. Any such costs, charges, expenses, fee, or any other
levy if unpaid, will become part of the amount advanced and bear further interest as applicable to the
Facility.
10.7 The Borrower confirms that he/she/it has noted and understood the terms of the Finance
Documents.
10.8 The Borrower agrees that in the event of any disagreement or dispute between the Bank and the
Borrower regarding the materiality or reasonableness of any matter including of any event, occurrence,
circumstance, change, fact, information, document, authorization, proceeding, act, omission, claims,
breach, default or otherwise, the opinion of the Bank, as to the materiality or reasonableness of any of the
foregoing, shall be final and binding on the Borrower.
10.9 In case the Borrower is an employee of Central/ State Government / autonomous bodies / public or
joint sector undertakings or educational institution:
i. the Borrower represents that as on the date of this Agreement, he has a minimum continuous
service for 1 (one) year; and
ii. the Borrower shall at all times ensure that he has a salary account with the Bank and the salary is
deposited in such account at the end of each month until the full repayment/settlement of the
Personal Loan Facility.
10.10 The borrower hereby irrevocably agrees and undertakes that in terms of his/her/their irrevocable
authorization given to the employer, his/her/their salary will be credited to our respective SB/Operative
accounts. The borrower expressly agrees and undertakes to inform the Bank regarding any change in his /
her / their occupation, employment and residential address and to provide any further information the
bank may require. The borrower further undertakes that the salary mandate given shall be continued with
the new employer and necessary authorization copy and confirmation will be submitted to the Bank
10.11 In the event of the borrower leaving the present employment for whatever reasons the borrower/s
agree and undertake that they will authorise their employer to credit the proceeds of employment
terminal benefits to the account maintained by the borrower with the Bank, which shall be held with till
the borrower takes up a new employment or the amount is adjusted only to loan account to meet any
commitment towards the loan dues.
10.12 In the absence of such salary mandate being provided by the borrower, the borrower shall
authorize the Bank to register the ECS mandate with the Bank where the salary is credited or operative
account is maintained towards the regular credit of salary / loan installments of the Loan/Limit availed
from the Bank. In such cases, borrower shall be responsible to maintain sufficient credit balance in the
account with other bank to meet the requirement of ECS mandate so that EMI commitments are met on
due dates. In the event of any change of EMI consequent upon revision in ROI, borrower hereby
undertakes to register fresh ECS mandate with the bank for meeting the said commitments.
11. INFORMATION COVENANTS

The Borrower shall:
(a) promptly, upon becoming aware, furnish the details of:
Date: 2023.01.21 15:19:59 IST
i.
Page 15
i. the occurrence of any event which may; or

ii. any litigation, arbitration, investigative or administrative proceedings which are current, threatened
or pending against/ by any Borrower, and which might, if adversely determined,
be expected to have a Material Adverse Effect;
(b) promptly, provide the evidence to the satisfaction of the Bank about the contribution of the
Borrower’s contribution/margin money or such moneys as may be required by the Bank;
(c) promptly, furnish evidence of financial indebtedness of the Borrower (together with particulars of
its debtors in connection thereto, account books and other documents to enable the Bank to ascertain the
financial indebtedness of the Borrower) from time to time;
(d) on the first day of each calendar month, provide a list of all debts of the Borrower (together with
particulars of the financial indebtedness and debtors in connection thereto)for the preceding calendar
month;
(e) promptly, notify the Bank of any Event of Default (and the steps, if any, being taken to remedy it)
promptly upon becoming aware of its occurrence;
(f) promptly provide, such further information regarding any change in status of employment of the
Borrower / the Borrower, the assets, financial condition, residential status, citizenship and business of the
Borrower / any Borrower (as the Bank may request);
(g) promptly, supply to the Bank (upon becoming aware of them), information about any representation
or warranty becoming untrue or occurrence of any fact or circumstance which is expected to make any
representation or warranty untrue;
(h) within 7 (seven) days of the occurrence of any circumstance affecting the correctness of any
statement or occurrence of any event which would impede the Borrower’s ability to perform the
obligations under the Finance Documents, notify Bank in writing of the occurrence of such event; and
(i) furnish all such information including periodical reports that the Bank may require for establishing
compliance with the terms and conditions of the Finance Documents by the Borrower and/or the
Borrower.
11.2 The Borrower agrees and undertakes that in the event of the Bank requiring any information for
processing/ review of its account, credit monitoring arrangement (CMA) data statement of other
particulars may be required by the Bank within the stipulated period or at the time of processing/ review
of my/ our account and if for any reason, whatsoever, any Borrower is unable to furnish the same within
a week or such other reasonable time as the Bank may, upon specific request by the Borrower, agree to,
in writing, then the Bank shall be entitled to charge to the account of the Borrower and/or claim
Additional Interest (calculated at the Additional Interest Rate).
12. THE BORROWER HEREBY GIVES ITS UNCONDITIONAL AND

IRREVOCABLE CONSENT TO THE BANK TO SHARE THE BANKING
TRANSACTION DATA, INCLUDING BUT NOT LIMITED TO, BANK
STATEMENTS FROM A CURRENT OR SAVINGS ACCOUNT, TAX DATA,
PENSIONS DATA, SECURITIES DATA (MUTUAL FUNDS AND BROKERAGE),
AND INSURANCE DATA OR ANY OTHER DATA AS MAY BE ALLOWED BY
RBI FROM TIME TO TIME, OF THE BORROWER WITH ANY ACCOUNT
AGGREGATOR, OF WHOSE NETWORK THE BANK IS A MEMBER.EVENT
Signature
OF DEFAULT Not Verified
Date: 2023.01.21 15:19:59 IST
12.1 Each circumstance set out below shall be an “Event of Default”:
Page 16
(a) failure by the Borrower to pay any amount (due under the Finance Documents) to the Bank on the
relevant due date;
(b) any representation or statement made by any Borrower in any Finance Document is found to be
incorrect;
(c) failure by the Borrower to perform or observe any terms or conditions or provisions contained in
this Agreement or any other Finance Document;
(d) breach/non-compliance of any terms and conditions of this Agreement by the Borrower;
(e) if an insolvency petition has been admitted in relation to the Borrower or the Borrower commits an
act of insolvency or makes an application for declaring himself an insolvent or an order is passed against
the Borrower declaring him an insolvent;
(f) if the Borrower enters into any arrangement or composition with its creditors or committing any act
of insolvency/Bankruptcy, or any act, the consequences of which may lead to insolvency/Bankruptcy of
the Borrower;
(g) there is execution or distress or other process being enforced or levied upon or against the whole or
any part of any Borrower’s assets whether secured in favour of the Bank or not;
(h) an insolvency resolution professional, a liquidator or a receiver being appointed in respect of the
whole or any part of the property of any Borrower;
(i) the Borrower, without the prior written consent of the Bank, attempts or purports to avail loan in
connection with the Purpose from any other bank, financial institution, organization, company or any
other person;
(j) any event or circumstance occurs that is likely to prejudicially or adversely affect the capacity of the
Borrower to repay the Facility or to carry out the activities contemplated in the Purpose;
(k) the Borrower utilizes or attempts to utilize the Facility for any purpose other than as set forth in the
Agreement ; and
(l) occurrence of any Material Adverse Effect.
12.2 The opinion of the Bank as to the determination of whether any of the matters, events or
circumstances mentioned in sub-clause 12.1 above has occurred or is continuing shall be final and
binding on the Borrower.
12.3 On the occurrence of an Event of Default, the Bank has the right to:
(a) refuse to disburse any amount under the Facility, reduce the Facility Limit or any part thereof to be
disbursed and / or revoke any concessions granted in relation to the Facility without giving any notice or
assigning any reason;
(b) accelerate the repayment of the entire balance outstanding under the Facility (at the time of
occurrence of an Event of Default);
(c) revoke/recall the applicable concessional rate of interest, as stipulated in this Agreement , pursuant
to which the Borrower agrees to pay interest rate calculated without any such concession / discount; and
(d) take such

Signature Not other action and / or measure as may be decided by the Bank in its sole discretion
Verified
13. SMA/NPA CLASSIFICATION DATES
Date: 2023.01.21 15:19:59 IST
Page 17
Borrower hereby confirms/undertakes that in case of default or non-payment of loan amount as per
agreed terms, the account will be classified as NPA as per Income Recognition, Asset Classification and
Provisioning (IRAC) norms issued by RBI from time to time. After account turned into NPA, the
necessary steps may be taken for recovery as per extant laws.
Borrower further confirms that for his understanding, classification of SME/NPA may be clarified from
following example:
Example:-
If the EMI due on 10.01.2021 and interest and/ or instalment of principal in respect of said EMI is not
paid the account will be classified as SMA/NPA as under:-
Basis for classification – Principal or interest

Classification Dates payment or any other amount wholly or partly
overdue
SMA -0 Up to 09.02.2021 Upto 30 days
SMA -1 Up to 11.03.2021 More than 30 days and upto 60 days
SMA -2 Up to 10.04.2021 More than 60 days and upto 90 days
NPA After 10.04.2021 More than 90 days
14. MISCELLANEOUS
14.1 No delay or omission in exercising any right (including the charging and non-charging of
Additional Interest and/or Penal Interest), power or remedy accruing to the Bank upon the occurrence of
any Event of Default under this Agreement or under any Finance Document shall be construed to be a
waiver or acquiescence on the part of the Bank. Such inaction or delayed action will also not impair or
prejudice any such right, power or remedy that the Bank may have against the Borrower.
14.2 The Borrower agrees that he/she/it has read and understood the contents of this Agreement and
that (if applicable) the contents of this Agreement have been read and understood in the relevant
vernacular language of the Borrower.
14.3 This Agreement may be amended only in writing and shall be binding upon and to the benefit of
the Borrower hereto.
14.4 If any provision of this Agreement is invalid or unenforceable or prohibited by law in any respect,
neither the legality, validity nor enforceability of the remaining provisions of this Agreement shall in any
way be affected or impaired thereby, and the Borrower hereto further agree that they shall mutually
substitute for the part/s held to be illegal, invalid or unenforceable, lawful provisions so as to give effect
to the original intent of this Agreement.
14.5 Any certificate or determination by the Bank of any rate or any amount under this Agreement is
conclusive evidence of the matters to which it relates.
Signature
14.6 Not
Any Verified
interest (including without limitation, the Applicable Interest Rate or the Penal Interest),
commission or fee accruing under this Agreement will accrue from day to day and is calculated on the
basis of the actual number of days elapsed.
Date: 2023.01.21 15:19:59 IST
Page 18
14.7 Business Days

If a payment under this Agreement is due on a day which is not a business day, the payment will be made
on the preceding business day.
14.8 Set Off

(a) Irrespective of any contrary to the contrary contained elsewhere, the Bank shall have a right of lien
on the goods including jewels pledged and right of set-off on all monies belonging to the Borrower
standing to its credit in any account whatsoever with the Bank. The Bank may, at any time and without
notice to the Borrower in its absolute discretion, combine or consolidate all or any of the accounts of the
Borrower and set off or transfer any sum or sums standing to the credit of any one or more of such
accounts in or towards satisfaction of any of the liabilities of the Borrower whether such liabilities be
actual or contingent primary or collateral and several or joint and whether arising out of the liability of
the Borrower as a principal debtor. The rights conferred on the Bank hereunder shall be in addition to and
without prejudice to any other security or securities and other recourse, which the Bank may now or
hereafter hold and to any lien, set off or similar right.
(b) The Borrower hereby further agrees that in respect of all such accounts and liabilities aforesaid the
Bank shall have a lien on all stocks, shares, securities, property and book debts including other liquid or
illiquid securities belonging to the Borrower or now or hereafter held by the Bank for safe custody,
collection, or otherwise and all moneys now or hereafter standing to the credit of the Borrower with the
Bank on any current or any other account and the Bank shall have the right to sell, realize all such
securities and property as aforesaid for the purpose of realizing their respective dues.
(c) All payments to be made by any Borrower under this Agreement must be calculated and be made in
full and for value without (and free and clear of any deduction for) withholding, set-off, counterclaim or
deduction except for any withholding of taxes under applicable law. Without prior notice to the
Borrower, the Bank may (but is not obliged to), set off any matured obligation due from the Borrower
under the Finance Documents (to the extent beneficially owned by the Bank) against any obligation owed
by the Bank to the Borrower (whether or not matured), regardless of the place of payment, booking
branch or currency of either obligation.
(d) If any payment required to be made by the Borrower becomes subject to any deduction or
withholding of any nature (including any tax), then the sum payable by the Borrower in respect of which
such deduction or withholding is required to be made shall be increased to the extent necessary to ensure
that, after the required deduction or withholding, the Bank receives and retains (free from any liability in
respect of any such deduction or withholding) a net sum equal to the sum which it would have received
and so retained had no such deduction or withholding been made or required to be made.
14.9 No Waiver
No failure or delay on the part of the Bank in exercising any right, power or privilege hereunder or under
any other Finance Document and no course of dealing between the Borrower, on the one hand, and the
Bank, on the other hand, shall impair any such right, power or privilege or operate as a waiver thereof;
nor shall any single or partial exercise of any right, power or privilege hereunder or under any other
Finance Document preclude any other or further exercise thereof or the exercise of any other right, power
or privilege hereunder or thereunder. The rights, powers and remedies herein or in any other Finance
Document or expressly provided are cumulative and not exclusive of any rights, powers or remedies
which the Bank would otherwise have. No notice to or demand on the Borrower in any case shall entitle
the Borrower to any other or further notice or demand in similar or other circumstances or constitute a
waiver of the rights of the Bank to any other or further action in any circumstances without notice or
demand.
14.10 Notices
Any communication made under this Agreement must be made in writing and, unless otherwise approved
in writing Not
Signature by the Bank, must be made by email, hand delivery or registered post at such address (of the
Verified
relevant
Digitally Party)
signed by which
Punit Kumar tripat is set out in Sr. No. [3 and 4] of Schedule I (Details of the Facility) of this
Agreement.
Date: 2023.01.21 15:19:59 IST
Page 19
15. GOVERNING LAW

This Agreement and the non-contractual obligations arising in connection herewith are governed by
Indian law.
SCHEDULE I
DETAILS OF THE FACILITY
Sr. No. Title Details
1. Place of execution PADRAUNA
2. Date of the Agreement 20-01-2023
PADRAUNA-274304 and BANK OF BARODA

Name and Address of the
RAMKOLA ROAD BANK OF BARODA PADRAUNA, ,
3. Branch of the Bank/Lending
, PADRAUNA, 274304 PADRAUNA UTTAR PRADESH
Office
274304
PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR

PATI, aged 41 years, residing at having permanent account
number BJPPT1467H , which expression shall unless
repugnant to the context or meaning thereof be deemed to
include his/her legal heirs, estate administrators and
Name and Address of the executors.
4.
Borrower
Designated email id and mobile number of the Borrower:
1. Email id:- punit_tr@rediffmail.com
2. Mobile No:- 9336726716
Occupation / nature of
5. business activity of the NA
Borrower

Date: 2023.01.21 15:19:59 IST
Page 20
For the purpose of meeting any personal expenses of the

6 Purpose
Borrower (but excluding any speculative purposes).
7 Facility Personal Loan Facility
Personal Loan Facility : Rs. 2,00,000/-[Rupees Two Lakh

8 Facility Limit
only]
The Borrower shall pay interest at the rate of 14.6 % p.a. (at
present), which is sum of, BRLLR 8.85 % (at present),
Strategic Premium of 0.25 % (at present), Credit Spread of
5.5 % (at present).
Applicable Interest Rate and
9 Where, BRLLR shall be the sum of RBI Repo Rate (at
Rest
present) 6.25 % and Mark Up of 2.60 %
The Interest shall be payable at monthly rests. The Bank

shall be entitled to reset the Interest rate (including any of its
components mentioned above) on monthly basis.
10. Details of Legal Heirs of the Borrower
Name of the Legal Relationship with the Occupation/ Vocation of legal Legal Address
AGE
Heirs Borrower heirs /es
()

Date: 2023.01.21 15:19:59 IST
Page 21
Particulars
of
In
immovable
whose Whether Present
properties
Sr. names Present leasehold market
with full
No. the encumbrance or value
address
property ownership Rs.
Details of (where
stands
11. unencumbered assets of situated
all Borrower etc.)
The following Charges/ fees shall be payable by the Borrower:
Charges and other Fees Processing charges for an amount of Rs. Rs.4000 payable upfront
12.
/Charges basis plus GST as applicable.
Stamp duty charges as applicable.
13. Prepayment Charges Not Applicable
14. Additional Interest Rate Not Applicable
Penal interest @ 2 % P. A. will be charged for non-payment /

delayed payment / breach / violation / non-compliance of any
15. Penal Interest
terms and conditions of the sanction on the entire outstanding for
overdue period.

Date: 2023.01.21 15:19:59 IST
Page 22
SCHEDULE II
REPAYMENT SCHEDULE
A: Frequency of repayment: Monthly
B: The EMI/repayment Schedule shall be as follows:
Due date for Monthly Monthly Total EMI (Principal + Outstanding

repayment of EMI Interest Amt Principal Amt Interest) Balance
10-02-2023 2240 10200 12440 189800
10-03-2023 2354 10086 12440 179714
10-04-2023 2157 10283 12440 169431
10-05-2023 2101 10339 12440 159092
10-06-2023 1909 10531 12440 148561
10-07-2023 1842 10598 12440 137963
10-08-2023 1711 10729 12440 127234
10-09-2023 1527 10913 12440 116321
10-10-2023 1442 10998 12440 105323
10-11-2023 1264 11176 12440 94147
10-12-2023 1167 11273 12440 82874
10-01-2024 1025 11415 12440 71459
10-02-2024 827 11613 12440 59846
10-03-2024 740 11700 12440 48146
10-04-2024 576 11864 12440 36282
10-05-2024 449 11991 12440 24291
10-06-2024 291 12149 12440 12142
10-07-2024 150 12142 12292 0
Note:
The actual due date of first instalment starts from the 10th of next calendar month from the date of
disbursement.
Equated monthly instalments are fixed for the convenience of the borrower, whereby interest
payable towards the loan is spread over the entire term of repayment fixed. The repayment of all
such equated monthly instalment will not be construed as full repayment /settlement of loan
account. On payment of all equated monthly instalments, residual amount if any, in the account
due to debiting of overdue / penal interest / additional interest as a consequence of revision in
interest rates, other incidental charges shall be paid separately by the borrower.IN WITNESS
WHEREOF the Borrower to this Agreement have caused these presents to be executed.
The agreement is validated through e-sign by the Borrower.

Date: 2023.01.21 15:19:59 IST
Page 23
APPLICATION FOR DIGITAL PERSONAL LOAN
To,
THE BRANCH MANAGER,
BANK OF BARODA
RAMKOLA ROAD BANK
OF BARODA
PADRAUNA, , ,
PADRAUNA, 274304
PADRAUNA UTTAR
PRADESH 274304
I/We request you to grant me a Personal loan of Rs. 2,00,000/-[Rupees Two Lakh only] for my personal
use.
I /We herewith providing the following particulars/details required to process the loan requested by me
/us as per banks scheme:
1. Basic Details
Name in Full PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI
Father's Name NA
Date of Birth (DD-
15-08-1981 AGE: 41
MM-YYYY)
xxxx-xxxx-1325
Aadhaar Number
PAN Number BJPPT1467H
Religion NA Category: NA
Gender Male
Marital
Residential status Resident NA
Status
PERMANENT Vill Sahuadih Post Deoria Pandey, Kushinagar, Pin

274304
ADDRESS Kushinagar Code

Date: 2023.01.21 15:19:59 IST
Page 24
Contact No 9336726716
Vill Sahuadih Post Deoria
CORRESPONDENCE
Pandey, Kushinagar, Pin Code 274304
ADDRESS
Kushinagar
E-mail ID punit_tr@rediffmail.com
2. Employment Detail
Job Type NA
Employer Type NA
Name of Employer NA
Employment Status NA
NA,
Work Address
NA
City NA State NA
Country India PIN 0
Office email ID punit_tr@rediffmail.com
3. Business details
Job Type NA
Occupation
Nature of Business NA
NA,
Business/Office Address
NA
State:
City NA
NA
PIN:
Country India
0
If Professional
Registration Number:
(Doctor/Architect/CA/MBA/ Engineer/ 0
NA
Lawyer) (Mention registration no)
Official Email Id NA

Date: 2023.01.21 15:19:59 IST
Page 25
4.Income Statement NA
Net Monthly Salary 0
Existing Monthly EMI
0
Obligation
5.Income Statement NA
Gross Annual Income 0
Existing Monthly EMI
0
Obligation
6.PROPOSED LOAN DETAIL:
Type of Loan Digital Personal Loan

Tenure (Months) 18
Required Loan
Rs. 2,00,000/-[Rupees Two Lakh only]
Amount
7. Group Credit Life Opted NA
8. Details of Legal Heirs of the Borrower
Name of the Legal Relationship with the Occupation/ Vocation of legal Legal Address
AGE
Heirs Borrower heirs /es
()

Date: 2023.01.21 15:19:59 IST
Page 26
9. Declarations:
I hereby declare that:
I am not a director or specified near relation of a director of a banking company.

I am not a specified near relation of any senior officer of the bank of Baroda.
I am not interested as Proprietor/Partner/Director in any firm/company whose name is listed in
caution list of RBI/ECGC.
I am not defaulter in Bank loan.
There is no litigation against me or my firm/company in which I am the proprietor or a partner or a
Director.
I undertake to bear processing, service, documentation charges etc. stipulated by the bank from
time to time.
I agree, note and understand that Bank of Baroda shall be entitled at its sole discretion to call back,
the entire loan/advance whether due and payable or not at any time without assigning any reason
and enforce its rights, remedies and securities.
I accept the Terms and Conditions for Bureau check.
I am tax resident of India and not resident of any other country.
I also confirm that I have read and understood the FATCA CRS Terms and conditions available on
the digital journey and hereby accept the same.
Are you politically Exposed Person ? NA
Place: Kushinagar
Date: 20-JAN-2023 14:16
Yours faithfully
Signature of the Applicant/s
PUNIT KUMAR TRIPAT

SETU BANDHU RAMESHWR PATI

Date: 2023.01.21 15:19:59 IST
Page 27

Digital E-Stamp: Government of Uttar Pradesh

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INDIAN – NON JUDICIAL

Certificate Issue Date 21-Jan-2023 10:45 AM

Consideration Price (Rs) 200000.00

Second Party PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR

Description of Doc. ARTICLE 5C GENERAL LOAN AGREEMENT

KEY FACTS STATEMENT

Date: 20-JAN-2023 14:16

Applicant Name: PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI

Name of the Regulated entity: Bank of Baroda

Name of Lender: Bank of Baroda

Product: Personal Loan

Sr. No PARAMETER DETAILS

Loan amount (amount disbursed to the borrower) (in

Rs. 23,772/-[Rupees Twenty Three

Rs. 4,000/-[Rupees Four Thousand

(b) Insurance charges (in Rupees) Not Applicable

Rs. 1,95,180/-[Rupees One Lakh

Rs. 2,23,772/-[Rupees Two Lakh

Effective annualized interest rate (in percentage) (computed

(vii) Loan term (in months) 18

(viii) Repayment frequency by the borrower Monthly

(ix) Number of instalments of repayment 18

Rs. 12,440/-[Rupees Twelve

Details about Contingent Charges

Penal Interest @ 2% p.a. will be

Rate of annualized other penal charges (if any); (details to

Please click here to know more or

Mr. Pankaj Mittal - General

Nodal Grievance Redressal

Signature Not Verified

Ref No: DILPLMI16163799 Date & Time : 20-JAN-2023 14:16

PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI,

Vill Sahuadih Post Deoria Pandey,

Terms and Conditions:

Purpose of loan : Others

Facility : Demand Loan

Sanctioned Limit : Rs. 2,00,000/-[Rupees Two Lakh only]

Applicable Rate of Interest is 14.6 % per annum, which is a sum

BRLLR 8.85 (at present), Strategic Premium of 0.25 (at present),

The Interest shall be payable at monthly rests. The Bank shall be

Signature Not Verified

Loan Tenure : 18 Months

Equated Monthly Installment

The Sanctioned Loan amount will be disbursed in your Primary

Penal interest @ 2% P.A. will be charged for non-payment /

Foreclosure charges : Nil

Signature Not Verified

E-Mandate/mandate/SI for repayment of EMIs through ECS/NACH/Auto Debit is to be executed

Signature Not Verified

Name of Applicant: PUNIT KUMAR TRIPAT SETU BANDHU RAMESHWR PATI

Date & Time: 20-JAN-2023 14:16

Signature Not Verified

LOAN AGREEMENT– PERSONAL LOAN (UNSECURED)

1. DEFINITIONS AND CONSTRUCTION

“Agreement” means this Agreement, as amended or modified from time to time.

“Material Adverse Effect” means any material adverse effect on:

“Prepayment Charges” shall have the meaning prescribed to it in Clause 5.1.

“RBI” means the Reserve Bank of India.

I. firstly, for the payment of the charges;

6. INTEREST RATE AND OTHER CHARGES

8. CHARGES AND OTHER FEE / CHARGES