Welcome Letter USER661789567938NG43 397143813182695

HIMANSHU MEENA
15-01-2001
GIBXXXXX3H
xxxxxxxx4143
38,Faridabad Ballabgarh Subhash Colony Lal Kothi
Faridabad Ballabgarh Subhash Colony Lal Kothi
Ballabgarh Faridabad
121004 HARYANA
734****009
Welcome Letter
Date:
Dear
Congratulations! We are pleased to inform you that your credit facility for Rs. has been approved and the final
disbursal amount has been transferred to your account.
Please find the loan details for your reference:
Transaction ID
Loan ID
Disbursement Date
Loan Amount `
Interest Rate
Interest Amount `
Tenure
Total Amount to be Paid `
Co-Lending Ratio MAS Financial Services Limited:
Si Creva Capital Services Pvt Ltd:
1st Installment Date
1st Installment Amount `

2nd Installment Date
2nd Installment Amount `
Please ensure that you have paid all instalments on time and there is no outstanding due to keep the credit facility ac-
tive. Refer to the lender’s terms and conditions in the loan agreement for more details.
We value your relationship with us and assure you of our best service always.
Best Regards
This is a system generated letter and does not require any signature
Si Creva Capital Services Private Limited MAS Financial Services Limited (MFSL)
Office Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla Office Address: Ground Floor, MAS Financial Services Limited,
West, Mumbai, Maharashtra 400070 Narayan Chambers, Behind Patang Hotel, Ashram
Road, Ahmedabad, Gujarat 380009
Email: care@kissht.com Email: partnership@mas.co.in
Customer Agreement
Please read carefully and ACCEPT to continue
I/We:
I hereby give my consent and specifically confirm that the online application form submitted by me to the Site shall be valid, effective and legally enforce-
able against me though it is not electronically signed by me. For the purpose hereof, a document shall be deemed to be “Electronically Signed” if it has been
encrypted / authenticated by using an electronic method or procedure in accordance with the provisions of the Information Technology Act, 2000 or in any
other manner / method / procedure / technique as is recognized / envisaged as a valid method of encryption / authentication under the provisions of the
Information Technology Act, 2000.
I/We agree and confirm:
GENERAL TERMS AND CONDITIONS OF FACILITY

These General Terms and Conditions (“GC”) shall govern the general terms and conditions applicable to the Facility (defined below) to be
provided to Borrower (defined below) by the Lenders being MAS Financial Services Ltd (MFSL) a Non-Banking Finance Company incorpo-
rated under the provisions of the Companies Act, 1956 and having its Registered Office at 6, GROUND FLOOR, NARAYAN CHAMBERS,
BEHIND PATANG HOTEL, ASHRAM ROAD, AHMEDABAD 380009, GUJARAT and Si Creva Capital Services Pvt Ltd, having its regis-
tered office at 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070 hereinafter collectively referred
to as “Lender ”; (hereinafter collectively referred to as the “Lender”, which expression shall, unless repugnant to the subject, context or
meaning thereof, be deemed to include its executors, its successors-in-interest and any assigns and/or any finance partner(s) with whom
Lender has entered into a co-lending agreement or an arrangement where the loans are reflected in Lender’s own book). This credit facility
has been facilitated by our loan sourcing agent
1. DEFINITIONS
01. The terms and expressions contained in this GC and the Loan Application Form are defined as under:
a. “Availability Period” shall mean the period within which the Borrower (as defined hereunder) can request a Drawdown (as defined
hereunder) from the Facility (as defined hereunder) and is as detailed in the Sanction Letter (as defined hereunder);
b. “Available Facility Amount” means at any point of time the undrawn amount of the Facility, including any amount of the Facility which
becomes available pursuant to any repayment or prepayment of all or part of any previous Drawdown;
c. “Borrower” means and refers jointly and severally to the applicant(s) who has / have been sanctioned/granted the Facility by the Lend-
er (as defined hereunder) based on the duly filled in Loan Application Form submitted by such applicant(s) to the Lender for availing
of the Facility means and refers jointly and severally to the applicant(s) who has / have been sanctioned/granted the Facility by the
Lender based on the duly filled in Loan Application Form submitted by such applicant(s) to the Lender for availing of the Facility;
d. “Borrower’s Dues” means all sums payable by the Borrower to Lender, including outstanding Facility, interest, all other charges, costs
and expenses;
e. “Drawdown” shall mean each drawdown of the Facility within the Availability Period and as per the terms of the Financing Documents
(as defined hereunder), including drawdown of any amount which becomes available against the Facility, pursuant to prepayment/
repayment of any earlier Drawdown;
f. “Due Date” in respect of any payment means the date on which any amount is due from the Borrower to Lender and such date as
changed by the Lender from time to time upon intimation to the Borrower through written means.
g. “EMI” means the equated monthly amount to be paid by the Borrower towards repayment of all outstanding Drawdowns and pay-
ment of interest (if applicable) as per Financing Documents;
h. “Facility” means the loan amount sanctioned to the Borrower as per the Sanction Letter or as displayed on the website or its mobile
application, which will be or has been made available, to the extent the same is not cancelled, reduced or transferred by the Lender as
per the terms of Financing Documents;
i. “Financing Documents” means these GC, the Loan Application, the Sanction Letter (if issued), including the annexures hereto and any
documents executed by the Borrower or as required by Lender, as amended from time to time;
j. “Loan Application” means the application in the prescribed form as submitted from time to time by the Borrower to Lender for seek-
ing financing;
k. “Sanction Letter” subject to the Facility availed by the Borrower shall mean the sanction letter issued by the Lender containing the
relevant commercial terms and conditions applicable to the Facility;
l. “Material Adverse Effect” means any event which in Lender’s opinion would have an adverse effect on (i) Borrower’s ability to pay the
Borrower’s Dues or (ii) recoverability of the Borrower’s Dues;
m. “Overdue Interest Rate” means the default interest as prescribed in the Sanction Letter or as displayed on the website., i.e. on https://
kissht.com or its mobile application, which is payable on all amounts which are not paid on their respective Due Dates;
n. “Purpose” means the utilization of each Drawdown as mentioned in the Sanction Letter or as displayed on the website., i.e. on https://
kissht.com or its mobile application, including for purchase of any product from Vendors;
o. “Product” shall mean, if applicable, a product purchased by the Borrower from any Vendor and in line with the Purpose;
p. “Vendor” shall mean the vendors, including e-commerce website as approved by Lender from time to time in respect of which financ-
ing would be provided by Lender for purchase of any Products.
02. In this Agreement, (a) the singular includes the plural (and vice versa) and (b) reference to a gender shall include references to the female,
male and neutral genders.
2. DISBURSEMENT
01. Subject to the provisions of the Financing Documents, the Borrower may at any time during the Availability Period, request the Lender
for disbursement the Facility (or any part thereof) to the extent of the Available Facility Amount. The Lender shall at its sole and absolute
discretion allow or reject such Drawdown request for the Facility. Notwithstanding anything contained in this GC, Lender shall have the
absolute right to cancel or refuse any further Drawdowns from the Facility at its sole and absolute discretion as it may deem fit, including
on account of any change in credit evaluation of the Borrower.
02. The disbursement of any Drawdown directly to any vendor / seller/ healthcare institution or its authorized person for any Purpose shall
be treated as having been disbursed to the Borrower.
03. The Borrower shall pay non-refundable processing charges as stated in the Sanction Letter or as displayed on the website., i.e. on https://
kissht.com or its mobile application, along with tax thereof, which may be added as a deemed disbursement to the first Drawdown and
the Borrower will accordingly be liable for entire Drawdown.
3. PAYMENT/REPAYMENT AND INTEREST

01. The Borrower shall repay/pay the entire Facility in one or more instalments along with the interest thereon to the Lender in such manner
as agreed/specified by the Lender from time to time, on the respective Due Date. It is hereby clarified that in the event the Borrower has
availed the Facility in the nature of working capital loan, the same shall be payable on the Due Date in a single tranche by way of bullet
repayment and the Borrower shall not be permitted to be carry forward or convert the outstanding amount into multiple instalments.
Subject to Clause 3.6, the Borrower agrees to pay to the Lender interest on the Facility or such part thereof as may be outstanding from
time to time at such interest rate, which has been indicated by Lender at the time of making the offer for the Facility. The Borrower
will pay interest (if applicable) on each Drawdown made by the Borrower of the Facility and all other amounts due as displayed on the
website., i.e. on https://kissht.com or its mobile application, and the interest shall be compounded on a monthly basis. The Borrower will
be liable for the entire Drawdown amount and shall pay the full amount for each Drawdown. However, in such cases, in the event the
installment is not paid on the Due Date, all overdue amounts shall accrue interest at the prescribed rate (“Overdue Interest Rate”) which
shall be computed from the respective due dates for payments and the interest shall be compounded on a monthly basis.
02. The Borrower acknowledges that in case of identified Purpose, Drawdown may be allowed on zero interest basis and in such cases the
return shall be made available to Lender by way of one-time non-refundable upfront discount provided by vendors/healthcare institu-
tions on selected Purposes as mutually agreed between Lender and vendor / its authorized representative.
03. The tenure of each Drawdown shall be as provided in the Sanction Letter or as displayed on the website., i.e. on https://kissht.com or its
mobile application. EMI shall be as calculated by Lender as required for amortization of Drawdowns within their respective tenure and
interest payable thereon and not exceeding the maximum EMI as provided in the Sanction Letter or as displayed on the website., i.e. on
https://kissht. com or its mobile application. EMI shall only be towards principal outstanding and interest thereon and does not include
any default interest or any other charges payable by the Borrower pursuant to Financing Documents.
04. The payment of each EMI on time is the essence of the contract. The Borrower acknowledges that s/he has understood the method of
computation of EMI and shall not dispute the same.
05. Notwithstanding anything stated elsewhere in the Financing Documents, all Borrower’s Dues, including EMI, shall be payable by the
Borrow- er to Lender as and when demanded by Lender, at its sole discretion and without requirement of any reason being assigned. The
Borrower shall pay such amounts, without any delay or demur, within 15 (fifteen) days of such demand.
06. Notwithstanding anything to the contrary in the Financing Documents, the Lender shall always reserve the right to revise the rate of
interest whether upwards or downwards, on all existing advances/financial assistance, if so required under any applicable law and other
factors impacting the liquidity in the economy. Any such change, as intimated by Lender to Borrower, will be final and binding on the
Borrower and such changes shall automatically form part of these GC. The rate of interest applicable to the Drawdown availed shall be as
prevailing on the date of disbursement and will be based upon the Lender ‘s evaluation of the creditworthiness of the Borrower, the risk
profiling done by the Lender, etc. The Lender shall review, and if necessary, revise the rate of interest at any time and during the tenure
of the Drawdown at its sole discretion on updating the same on its website., i.e. on https://kissht.com or its application. Any dispute,
including that relating to the interest computation or tenure, shall not entitle the Borrower to withhold payment demanded by the Lender
and/or payment of any EMI.
07. Notwithstanding anything to the contrary in the Financing Documents, the Lender shall always reserve the right to revise the rate of inter-
est whether upwards or downwards, on all existing advances/financial assistance, if so required under any applicable law and other factors
impacting the liquidity in the economy. Any such change, as intimated by Lender to Borrower, will be final and binding on the Borrower
and such changes shall automatically form part of these GC. The rate of interest applicable to the Drawdown availed shall be as prevailing
on the date of disbursement and will be based upon the Lender ‘s evaluation of the creditworthiness of the Borrower, the risk profiling
done by the Lender, etc. The Lender shall review, and if necessary, revise the rate of interest at any time and during the tenure of the
Drawdown at its sole discretion on updating the same on its website., i.e. on https://kissht.com. Any dispute, including that relating to the
interest computation or tenure, shall not entitle the Borrower to withhold payment demanded by the Lender and/or payment of any EMI.
08. In case of delayed payments, without prejudice to all other rights of Lender, Lender shall be entitled to Overdue Interest Rate (as pre-
scribed in Sanction Letter or as displayed on the website., i.e. on https://kissht.com or its mobile application) from the Borrower for the
period of delay.
09. The Borrower may pre-pay any Drawdown prior to its scheduled tenure only with the prior approval of Lender and subject to such con-
ditions and prepayment charges, as stipulated by Lender. The Borrower shall bear all interest, tax, duties, cess duties and other forms of
taxes whether applicable now or in the future, payable under any law at any time in respect of any payments made to Lender under the
Financing Documents. If these are incurred by Lender, these shall be recoverable from the Borrower and will carry interest at the rate of
Overdue Interest Rate from the date of payment till reimbursement.
10. Notwithstanding any terms and conditions to the contrary contained in the Financing Documents, the amounts repaid by the Borrower
shall be appropriated firstly towards cost, charges, expenses and other monies; secondly towards Overdue Interest Rate, if any; thirdly
towards interest; and lastly towards repayment of principal amount of a Facility.
11. Interest (if applicable), Overdue Interest Rate and all other charges shall accrue from day to day and shall be computed on the basis of 365
(Three Hundred Sixty-Five) days a year and the actual number of days elapsed.
12. If the due date for any payment is not a business day, the amount will be paid by Borrower on immediately succeeding business day.
13. All sums payable by the Borrower to Lender shall be paid without any deductions whatsoever. Credit/ discharge for payment will be given
only on realization of amounts due.
14. Interest Rate will be governed by Interest Rate Policy and Gradation of Risk as mentioned at https://mas.co.in/pdf/interest-rate-policy-gra-
dation-of-risk23082019114211.pdf
4. MODE OF PAYMENT, REPAYMENT AND PREPAYMENT

01. The Borrower shall, as required by Lender from time to time, provide (i) postdated cheques (“PDCs”) or (ii) National Automated Clearing
House (Debit Clearing)/ any other electronic or other clearing mandate (collectively referred to as “NACH”) as notified by the Reserve
Bank of India (“RBI”) against Borrower’s bank account for payment of dues. Such PDCs/NACH shall be drawn from such bank and from
such location as agreed to by Lender. The Borrower shall honor all payments without fail on first presentation/ due dates. PDC/ NACH
provided by the Borrower may be utilized by Lender for realization of any Borrower’s Dues. The Borrower hereby unconditionally and
irrevocably authorizes Lender to take all actions required for such realization. The Borrower shall promptly (and in any event within seven
(7) days) replace the cheques and/or the NACH and/or other documents executed for payment of Borrower’s Dues as may be required by
Lender from time to time, at its sole discretion.
02. The Borrower shall, at all times maintain sufficient funds in his/her bank account/s for due payment of the Borrower’s Dues on respective
Due Dates. Borrower shall not close the bank account/s from which the cheques / NACH have been issued or cancel or issues instructions
to the bank or to Lender to stop or delay payment under the PDC / NACH and Lender is not bound to take notice of any such communica-
tion.
03. The Borrower agrees and acknowledges that the PDC/ NACH have been issued voluntarily in discharge of the Borrower’s Dues and not by
way of a security for any purpose whatsoever. The Borrower also acknowledges that dishonor of any PDC/ NACH is a criminal offence un-
der the Negotiable Instruments Act, 1881/The Payment and Settlements Act, 2007. The Borrower shall be liable to pay dishonour charges
for each PDC/ NACH dishonour (as prescribed in Sanction Letter or as displayed on the website., i.e. on https://kissht.com or its mobile
application).
04. Any dispute or difference of any nature whatsoever shall not entitle the Borrower to withhold or delay payment of any EMIs or other sum
and Lender shall be entitled to present the PDC/ NACH on the respective due dates.
05. Notwithstanding the issuance of cheques / NACH, the Borrower will be solely responsible to ensure timely payment of dues.
06. “Cooling off period” means a period of time from the date of disbursement of loan/credit facility within which the borrower can change
her/his mind with return or cancellation of the loan/credit facility, by paying the principal, and the proportionate APR (if applicable), with-
out any prepayment charges. In order to return/cancel the loan/credit facility during the cooling-off period, customer needs to contact the
Kissht customer services desk by using one or more of the available options to connect i.e., call, chat or email.
07. The Company will give notice to the borrower in the vernacular language or a language as understood by the borrower of any change in
the terms and conditions including disbursement schedule, interest rates, Penal Charges (if any), service charges, prepayment charges, oth-
er applicable fee / charges etc. The Company will also ensure that changes in interest rates and charges are effected only prospectively.
5. BORROWER’S COVENANTS, REPRESENTATION AND WARRANTIES

01. The Borrower shall:
a. Observe and perform all its obligations under the Financing Documents.
b. Immediately deliver to Lender all documents, including bank account statements as may be required by Lender from time to time. The
Borrower also authorizes Lender to communicate independently with (a) any bank where the Borrower maintains an account and
to seek details and statement in respect of such account from the bank and (b) with any employer of any Borrower/family members,
any other person related to the Borrower, as Lender may deem necessary, including for monitoring Borrower’s creditworthiness. The
Lend- er shall have the right to not return the Application, the photographs, information and documents submitted by the Borrower.
c. Immediately notify Lender of any litigations or legal proceedings against any Borrower.
d. Notify Lender of any Material Adverse Effect or Event of Default (as described hereunder).
e. Notify Lender in writing of all changes in the location/ address of office /residence /place of business or any change/resignation/termi-
nation / closure of employment/ profession /business.
f. Not leave India for employment or business or long term stay abroad without fully repaying the Facility then outstanding, together
with interest and other dues and charges.
g. Provide security, if any, as specified in Financing Documents or as may be required by Lender in case of any change in credit worthi-
ness of any Borrower (as determined by Lender).
h. Ensure deposit of salary and / or business proceeds in the account from which PDCs/ECS have been issued to Lender. The Borrower
also authorizes the Lender to submit the ESC on any date without prior intimation thereto in case the EMI bounces. The Borrower
agrees that non-receipt of any EMI alert shall not be a valid ground for non-payment of any EMI.
i. Comply at all times with applicable laws, including, Prevention of Money Laundering Act, 2002, as amended from time to time.
j. Utilise each Drawdown only for the Purpose.
k. The Borrower hereby creates a charge on the Product in favour of the Lender.
02. Each Borrower represents and warrants to Lender as under:
a. All the information provided by Borrower in the Loan Application and any other document, whether or not relevant for ascertaining
the credit worthiness of the Borrower, is true and correct and not misleading in any manner;
b. The Borrower is capable of and entitled under all applicable laws to execute and perform the Financing Documents and the transac-
tions thereunder;
c. The Borrower is above 18 (Eighteen) years of age and this GC is a legal, valid and binding obligation on him/her, enforceable against
him/her in accordance with its terms;
d. The Borrower declares that he/ she is not prohibited by any law from availing this Facility;
e. No event has occurred which shall prejudicially affect the interest of Lender or affect the financial conditions of Borrower or affect
his/ her liability to perform all or any of their obligations under the Financing Documents;
f. Borrower is not in default of payment of any taxes or Government dues;
g. The Borrower will do all acts, deeds and things, as required by Lender to give effect to the terms of this GC;
h. That there are no bankruptcy or insolvency proceedings against the Borrower.
03. The Borrower gives its consent to Lender to use/store all the information provided by the Borrower or otherwise procured by Lender in
the manner it deems fit including for the Purpose of this Facility or for its business and understands and agrees that Lender may disclose
such information to its contractors, agents and any other third parties.
04. In the event the Facility/Drawdown is for purchase of any Product, the Borrower also undertakes and covenants as below:
a. Borrower shall not be entitled to any increase in the Facility amount by reason of any increase in the purchase price of any Product.
However, in the event of any decrease in the purchase price, Lender may in its discretion reduce the principal amount of the sanc-
tioned Facility;
b. The Vendor shall be exclusively responsible for delivery of the Product and Lender shall not be liable for any delay in delivery or
non-delivery of the Product and/or with respect to the quality, condition, fitness, suitability or otherwise whatsoever of the said
Product;
c. In the case Product cancellation, Lender will treat the relevant Facility repaid only if the Vendor refunds the amount to Lender upon
compliance by the Borrower with the refund policy of the Vendor. In case of such refund, Lender shall refund the EMI, if any, paid by
the Borrower, less interest if any for the period between purchase and refund, and treat the Facility/Drawdown as fully discharged.
The processing fees will not be reimbursed and will be adjusted against the refund, if any;
d. The Borrower shall not claim part possession or ownership of the Product or create any third-party rights thereon without consent of
Lender;
e. Lender shall have first and exclusive charge on the Product.
05. In case of any update in the document(s) submitted by the Borrower at the time of availing the loan and thereafter, as necessary; customers
shall submit to the Lenders such updated document(s) within a period of 30 days from the date of effecting such change.
6. EVENTS OF DEFAULT
01. The following acts/events, shall each constitute an “Event of Default” by the Borrower for the purposes of each Facility:
a. The Borrower fails to make payment of any Borrower’s Dues on Due Date;
b. Breach of any terms, covenants, representation, warranty, declaration or confirmation under the Financing Documents;
c. Any fraud or misrepresentation or concealment of material information by Borrower which could have affected decision of Lender to
grant any Facility;
d. Death, lunacy or any other permanent disability of the Borrower;
e. Borrower utilises the Drawdown for any purpose other than the Purpose;
f. Occurrence of any events, conditions or circumstances (including any change in law) which in the sole and absolute opinion of Lender
could have a Material Adverse Effect, including limitation of any proceedings or action for bankruptcy/liquidation/ insolvency of the
Borrower or attachment / restraint of any of its assets;
02. The decision of Lender as to whether or not an Event of Default has occurred shall be binding upon the Borrower.
7. CONSEQUENCES OF DEFAULT
01. Upon occurrence of any of the Events of Default and at any time thereafter, Lender shall have the right, but not the obligation to declare
all sums outstanding in respect of the Facility, whether due or not, immediately repayable and upon the Borrower failing to make the said
payments within 15 (fifteen) days thereof, Lender may at its sole discretion exercise any other right or remedy which may be available to
Lender under any applicable law, including seeking any injunctive relief or attachment against the Borrower or their assets.
02. The Lender shall also have the unconditional right to immediately take possession of the Product.
03. The Borrower shall also be liable for payment of all legal and other costs and expenses resulting from the foregoing defaults or the exer-
cise of Lender remedies.
04. The Borrower will be sent reminders from time to time for settlement of any outstanding Facility, by post, fax, telephone, e-mail, SMS
and/ or engaging third parties to remind, follow up and collect dues. Any third party so appointed, shall adhere fully to the code of con-
duct on debt collection.
8. DISCLOSURES
01. The Borrower acknowledges and authorizes Lender to disclose all information and data relating to Borrower, the Facility, Drawdowns,
default if any, committed by Borrower to such third parties/ agencies as Lender may deem appropriate and necessary to disclose and/or
as authorized by RBI, including TransUnion CIBIL Limited (“CIBIL”). The Borrower also acknowledges and authorizes such information to
be used, processed by Lender / third parties/ CIBIL / RBI as they may deem fit and in accordance with applicable laws. Further in Event
of De- fault, Lender and such agencies shall have an unqualified right to disclose or publish the name of the Borrower /or its directors/
partners/ co-applicants, as applicable, as ‘defaulters’ in such manner and through such medium as Lender / CIBIL/ RBI/ other authorized
agency in their absolute discretion may think fit, including in newspapers, magazines and social media.
02. The Borrower shall not hold Lender responsible for sharing and/or disclosing the information now or in future and also for any conse-
quences suffered by the Borrower and/or other by reason thereof. The provisions of this clause 8 shall survive termination of the GC and
the repayment of the Borrower’s Dues.
03. You understand that the Kissht platform app and/or website has been appointed by LENDER to collect, authenticate, track your location,
verify and confirm the User Data, documents and details as may be required by LENDER to sanction the Loan. LENDER authorizes the
Company to collect and store the User Data through the mobile application form available on the Platform.
04. This Agreement constitutes the entire agreement between the Parties with respect to the subject matter hereof and supersedes all prior
written agreements, understandings and negotiations, both written and oral, between the Parties with respect to the subject matter of
this Agreement.
9. FACILITY FORECLOSURE
At the request of the Borrower, the Lender may foreclose the loan/credit facility. The Borrower, if seeks foreclosure six months after disburse-
ment of the loan/credit facility, the Lender may not charge foreclosure charges. However, the Lender may charge foreclosure charges @ 4%
of principal outstanding as on the date, if loan/credit facility is sought to be foreclosed by the Borrower before six months from the date of
disbursement. The Lender, however, will use reducing balancing rate/method for the arrival of principal outstanding amount outstanding on
foreclosure date. The foreclosure charges will not be applicable during the cooling-off period.
10. MISCELLANEOUS
01. The entries made in records of Lender shall be conclusive evidence of existence and of the amount Borrower’s Dues and any statement of
dues furnished by Lender shall be accepted by and be binding on the Borrower.
02. Borrower’s liability for repayment of the Borrower’s Dues shall, in case where more than one Borrower have jointly applied for any Facili-
ty, be joint and several.
03. Borrower shall execute all documents and amendments and shall co-operate with Lender as required by Lender (i) to comply with any RBI
guidelines / directives or (ii) for giving Lender full benefit of rights under the Financing Documents. Without prejudice to the aforesaid
the Borrower hereby irrevocably consents that on its failure to do so, such changes shall be deemed to be incorporated in the Financing
Documents and shall be binding on the Borrower.
04. Notwithstanding any suspension or termination of any Facility, all right and remedies of Lender as per Financing Documents shall contin-
ue to survive until the receipt by Lender of the Borrower’s Dues in full.
05. The Borrower acknowledges that the rate of interest, penal charges, service charges and other charges payable and or agreed to be paid
by the Borrower under Financing Documents are reasonable and acceptable to him/ her.
06. The Borrower expressly recognizes and accepts that Lender shall without prejudice to its rights to perform such activities itself or
through its office employees be entitled and has full power and authority so to appoint one or more third parties (hereinafter referred to
as “Service Providers”) as Lender may select and to delegate to such party all or any of its functions, rights and power under Financing
Documents relating to the sourcing, identity and verification of information pertaining to the Borrower, administration, monitoring of
the Facility and to perform and execute all lawful acts, deeds, matters and things connected therewith and incidental thereto including
sending notices contacting Borrower, receiving Cash/Cheques/Drafts/ Mandates from the Borrower in favour of Lender.
07. The Borrower acknowledges that the financing transaction hereunder gives rise to a relationship of debtor and creditor as between him /
her and Lender and not in respect of any service rendered/to be rendered by Lender. Accordingly, the provisions of the Consumer Protec-
tion Act, 1986 shall not apply to the transaction hereunder.
08. The Borrower hereby authorizes Lender to verify all information and documents including, income proof documents, residence docu-
ments, address proof documents, identity documents and other such documents containing personal and financial information as are
submitted by them for obtaining any Facility and that they also consent to subsequent retention of the same by Lender.
09. The Borrower acknowledges and authorizes Lender to procure Borrower’s PAN No./copy of Pan Card, other identity proof and Bank Ac-
count details, from time to time and to also generate / obtain CIBIL, Experian, Hunter reports and such other reports as and when Lender
may deem fit. The Borrower also hereby gives consent and authorizes Lender to undertake its KYC verification by Aadhar e-KYC or
otherwise and undertake all such actions as may be required on its behalf or otherwise to duly complete the process of such verification
including by way of Aadhar e-KYC and share such information with any authority and store such information in a manner it deems fit.
10. In the event of any disagreement or dispute between the Lender and the Borrower regarding the materiality 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 Lender as to the materiality of any of the foregoing shall be final and binding on the Borrower.
11. The Borrower and Lender may mutually agree on grant of a fresh facility on the terms and conditions of the GC and by execution of such
further letter/undertaking by the Borrower as may be required by Lender.
12. If the Borrower voluntarily avails any services along with the Facility from any of the third parties whose products are being sold by the
Lender as a bundled product including but not limited to life insurance, health insurance, general insurance plans, consumer durable in-
surance, extended warranty, or any other offers/products/services offered by third parties, then the Borrower hereby acknowledges that
Lender shall not be held responsible for non-provision of services by such third parties.
11. SEVERABILITY
The Borrower acknowledges that each of his/her obligations under these Financing Documents is independent and severable from the rest.
12. GOVERNING LAW AND JURISDICTION

01. All Facility and the Financing Documents shall be governed by and construed in accordance with the laws of India.
02. All disputes, differences and / or claims arising out of these presents or as to the construction, meaning or effect hereof or as to the right
and liabilities of the parties under the Financing Documents shall be settled by arbitration in accordance with the provision of the Arbi-
tration and Conciliation Act, 1996 or any statutory amendments thereof or any statute enacted for replacement therefore and shall be
referred to the sole Arbitration of a person to be appointed by LENDER. The place of arbitration shall be Mumbai. The awards including
interim awards of the arbitration shall be final and binding on all parties concerned. The arbitrator may pass the award without stating any
reasons in such award.
03. Further, the present clause shall survive the termination of Financing Documents. The Courts at Mumbai, India shall have exclusive juris-
diction (subject to the arbitration proceedings which are to be also conducted in Mumbai, India) over any or all disputes arising out of the
Financing Documents.
13. NOTICES
Any notice to be given to the Borrower in respect of Financing Documents shall be deemed to have been validly given if served on the Borrow-
er or sent by registered post to or left at the address of the Borrower existing or last known business or private address. Any such notice sent
by registered post shall be deemed to have been received by the Borrower within 48 hours from the time of its posting. Any notice to Lender
shall be deemed to have been valid only if received by Lender at its above stated address.
Grievance officer details:

MAS Financial Services Ltd (MFSL) Si Creva Capital Services Private Limited
Name: Mr. Bharat Mori Name: Suraj Shetty
Address: Ground floor, MAS Financial Services Limited, Narayan Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West,
Chambers, B/h Patang Hotel, Ashram Road, Ahmedabad-380009 Mumbai, Maharashtra 400070.
Contact Details: Contact Number: 079 41106 500 Contact Details: (022) 62820570
Email id : crm.masfin@mas.co.in & bharat@mas.co.in Email id : suraj.shetty@kissht.com
14. ASSIGNMENT
01. The Borrower shall not be entitled to jointly or severally transfer or assign all or any of their right or obligation or duties under the Fi-
nancing Documents to any person directly or indirectly or create any third-party interest in favour of any person without the prior written
consent of Lender.
02. Lender 1 shall be entitled to sell, transfer, assign or securitise in any manner whatsoever (in whole or in part and including through grant
of participation rights) all or any of its benefits, right, obligation, duties and / or liabilities under Financing Documents, without the prior
written consent of, or intimation to the Borrower in such manner and such terms as Lender 1 may decide. In the event of such transfer,
assignment or securitization, the Borrower shall perform and be liable to perform their obligation under the Financing Documents to such
assignee or transferor. In such event, the Borrower shall substitute the remaining PDCs/ECS in favour of the transferee/ assignee if called
upon to do so by Lender.
15. INDEMNITY
The Borrower hereby indemnifies, defends and holds Lender, its employees, representatives and consultants harmless from time to time and at
all times against any liability, claim, loss, judgment, damage, cost or expense (including, without limitation, reasonable attorney’s fees and
expenses) as a result of or arising out of any failure by the Borrower to observe or perform any of the terms and conditions and obligations con-
tained in the Financing Documents or Event of Default or the exercise of any of the rights by Lender under the Financing Documents, including
for any enforcement of security or recovery of Borrower’s Dues
16. ACCEPTANCE
I / We am / are aware that Lender shall agree to become a party to this GC only after satisfying itself with regard to all conditions and details
filled by me / us in the GC and other Financing Documents in consonance with Lender policy. I / We agree that this GC shall be concluded and
become legally binding on the date when the authorized officer of Lender signing this at Mumbai or on the date of first disbursement, whichev-
er is earlier.
By clicking “I accept”, the Borrower electronically signs these GC and agrees to be legally bound by its terms. The Borrower’s acceptance of
these GC shall constitute: (i) the Borrower’s agreement to irrevocably accept and to be unconditionally bound by all the terms and conditions
set out in these GC; and (ii) the Borrower’s acknowledgement and confirmation that these GC (along with the Financing Documents) have been
duly read and fully understood by the Borrower.
The Borrower agrees that he/she is not a Politically Exposed Person (PEP) (“Politically Exposed Persons” (PEPs) are individuals who are or have
been entrusted with prominent public functions by a foreign country, including the Heads of States/Governments, senior politicians, senior
government or judicial or military officers, senior executives of state-owned corporations and important political party officials) and further
undertakes to immediately intimate the lenders’ in the event that he/she and/or any of their family members /close relatives becomes a PEP. In
this situation, the lenders’ will seek senior management approval to sustain the business relationship. The account will then undergo Customer
Due Diligence procedures, including ongoing enhanced monitoring, as required for PEP category customers.
17. DECLARATION
I hereby declare that all the clauses of above GC were read over to me and explained to me in my vernacular language and after reading and
understanding the entire provision and contents of the GC applicable to me, all the clauses and implication, and agreeing to abide by all the
terms and conditions thereof, I have signed the GC with my full knowledge and conscience without any force or undue influences upon me.
I request you to disburse the Facility amount under the aforesaid GC and the Sanction Letter and key fact statement signed and delivered by
the Borrower in token of and in witness of them having read (and/or being explained), verified, understood, irrevocably agreed to, accepted,
confirmed, and declared all the clauses of this GC, the Schedule, all contents thereof including all the terms and conditions contained therein,
and having authenticated accuracy and correctness of the same.
Signature of the Borrower
Annexure 1 – Schedule of Charges
Overdue Penalty Charges
1. Customers with overdue amounts less than Rs. 7000 will be charged a one-time overdue fee of Rs 150 and per day penalty fee of Rs 50.
2. Customers with overdue amounts greater than or equal to Rs. 7000 will be charged a one-time overdue fee of Rs 200 and per day penalty fee
as mentioned in the “Daily Penal Charges” grid
Daily Penal Charges
Amount Daily Penalty Charge APR for Daily Penalty Charge

`7000 - 7999 `50 91%
`8000 - 8999 `50 80%
`9000 - 9999 `50 71%
`10000 - 10999 `50 64%
`11000 - 11999 `50 58%
`12000 - 12999 `50 53%
`13000 - 13999 `50 49%
`14000 - 14999 `50 46%
`15000 - 15999 `50 43%
`16000 - 16999 `50 40%
`17000 - 17999 `50 38%
`18000 - 18999 `50 35%
`19000 & above `50 34%
Note: 18% GST on “Total Late Fee” amount is additionally applicable. System will auto-calculate Late Fees + GST & display only the total to you.
Important Notes
1. Subject to sub-point 2 below, One-Time Overdue Charges & Daily Penal Charges will be applied if the EMI repayment is done after the scheduled
due date or if otherwise applicable as per the terms of the Financing Document (collectively referred to as “Overdue Penalty Charges”).
2. The total penal charges to be levied on borrower, per EMI, will be lower, of INR Rs.2000, 100% of principal outstanding, or the amount calculated
as per the details provided in the Daily Penalty Charges grid above.
3. As and when any updates to the fees & charges are introduced by the Lenders, the borrower shall be intimated about such changes by email or
otherwise in the manner prescribed for the same from time to time by Lenders. The borrower shall at all times ensure that his/her latest mobile
number and email ID is updated with the Lenders. The Lenders shall rely upon the mobile number and email ID provided by the borrower, and
shall not be obliged to verify or make further inquiry into the validity of the mobile number and email ID provided by the borrower. The borrower
shall in no circumstance dispute such reliance by the Lenders.
Swapping Charges - Change of bank account under repayment options
PDC Swap charges `500
Swapping Charges - Change of NACH Rejected Bank A/c for payment:
Cash / check pickup (for repayment): `250
Foreclosure Charges 0% on Balance Principal Outstanding irrespective of loan tenure
Part payments are not allowed.
NOTE: The above charges are subject to change from time to time and Kissht or lender undertakes no responsibility about advising/intimating the
customers about any such changes. To know the latest fees applicable to facility offered to you, kindly email to care@kissht.com
CLASSIFICATION OF A LOAN ACCOUNT AS A SPECIAL MENTION ACCOUNT (“SMA”) OR NON-PERFORMING ASSET (“NPA”)
BY MAS FINANCIAL SERVICES LIMITED, AS PER THE PRUDENTIAL NORMS PRESCRIBED BY THE RESERVE BANK OF INDIA (“RBI”)
The classification of a loan account as Special Mention Accounts (“SMA”)/ Non-Performing Asset (“NPA”) is dependent on the period for which any
payment, including Principal component and/ or Interest component, remains overdue from a borrower. In this regard, it must be noted that an
amount shall be treated as overdue if it is not paid on the due date fixed/ agreed for the loan.
If there is a default in making payment of Principal component and/ or Interest component and/ or any applicable dues, as per the terms & condi-
tions of the loan, wholly or partly, on or before the due date specified/ notified as per the loan agreement, then such overdue loan account along
with all other loan/ credit facilities availed by the borrower from the Company shall be classified as SMA or NPA as indicated in below table given
below, as per RBI regulations:
Overdue Period Classification
Upto 30 days SMA-0
More than 30 days and upto 60 days SMA-1
More than 60 days and upto 90 days SMA-2
More than 90 days NPA*
* Upgradation of accounts classified as NPAs- Loan account once classified as NPA can be upgraded as Standard only after entire arrears of Princi-
pal, Interest and any other amount outstanding and due are paid by the borrower.
Illustration for classification of borrowers account as SMA/NPA for easy reference (All dates mentioned herein are for illustration purpose only)- If due date
of a loan account repayment is April 05, 202X and the payment is not received by the Company before the day-end process is run, then indicative SMA/NPA
classification shall be as follows:
Overdue period of Principal/ Interest/ Any other amount SMA/ NPA Classification Category SMA/ NPA Classification Date#
Upto 30 days SMA-0 April 05, 202X
More than 30 days and upto 60 days SMA-1 May 05, 202X
More than 60 days and upto 90 days SMA-2 June 04, 202X
Over 90 days NPA July 04, 202X
# The date of SMA/ NPA shall reflect the Asset Classification status of a loan account at the day-end of that calendar date.
If due date of a loan account is April 05, 202X, and full dues are not received by the Company on or before this date then the date of overdue shall be April
05, 202X and this account shall be tagged as SMA-0.
If the loan account continues to remain overdue then this account shall be tagged as SMA-1 on May 05, 202X, i.e. upon completion of 30 days of being
continuously overdue. Accordingly, the date of SMA-1 classification for that account shall be May 05, 202X.
If the loan account continues to remain overdue, it shall be tagged as SMA-2 on June 04, 202X, i.e. upon completion of 60 days of being continuously over-
due. Accordingly, the date of SMA-2 classification for that account shall be June 04, 202X.
Similarly, if the loan account continues to remain overdue further, it shall be classified as NPA upon running day-end process on July 04, 202X.
APPLICANT PHOTO & KYC IMAGES (To be E-Signed & Verified)
KEY FACT STATEMENT
Date: 09/02/2023
Name of Lender 1: MAS FINANCIAL SERVICES PVT LTD
Name of Lender 2: SI Creva Capital Services Private Limited
Applicant Name: HIMANSHU MEENA
Loan reference number: LOS165176282192797Q3
38, Faridabad Ballabgarh Subhash Colony Lal Kothi
Faridabad Ballabgarh Subhash Colony Lal Kothi, Ballabgarh
Faridabad, 121004
HARYANA
A) Details of Fees & Charges
Disbursement Date 2023-02-09
(i) - Loan Amount (in Rs.) 10500
Annualized Rate of Interest (% per annum) 18%
(ii) - Interest Amount (in Rs.) 242
1 st Installment Due Date 2023-03-12
Last Installment Due Date 2023-04-12
(iii) - Processing charge (in Rs.) Processing charge 525
(iv) - Disbursement Amount (in Rs.) (i)-(iii) 9975
Total Amount to be Paid (in Rs.) 10742
(v) - Annual Percentage Rate (% per annum)

Effective annualized interest rate (in percentage) (computed on Net Disbursed Amount 0%
using IRR approach and reducing balance method)
One Time Activation Fees One Time Activation Fees 1207.5
Net Disbursed Amount (including fees, packages & taxes if applicable) (in Rs.) 8456
Tenure of the Loan (in months/days) 62 Days
Repayment frequency by the borrower Monthly
Number of instalments of repayment 2
Amount of each instalment of repayment (in Rs.) 5371
Details about Contingent Charges
Rate of annualized penal charges in case of delayed payments (if any) Refer to Section D
Rate of annualized other penal charges (if any); (details to be provided) Refer to Section C
Other Disclosures
Cooling off/look-up period during which borrower shall not be charged any penalty on
3 Days
prepayment of loan
OnEMI Technology Solutions Private Limited and for other recovery agents
Details of LSP acting as recovery agent and authorized to approach the Borrower
details please click here https://sicrevacapital.com/collection-agencies/
Name, designation, address and phone number of nodal grievance redressal officer
Refer to Section E and F
designated specifically to deal with FinTech/ digital lending related complaints/ issues
Details of recovery mechanism Refer to Section G

B) Repayment Schedule
Instalment number Instalment date Principal (in Rs.) Interest (in Rs.) Instalment (in Rs.)
1 2023-03-12 5210 161 5371
2 2023-04-12 5290 81 5371
Note: Please note that this Key Fact Statement and the repayment schedule is applicable in respect of availing a loan as of
this moment, and is intended to be merely illustrative in case if the Loan is intended to be availed in future. For the sake of
clarity, if the Loan is availed in future, in that case depending upon the actual amount intended to be availed by the borrower
and the actual date of disbursement, a revised Key Fact Statement and the repayment schedule shall be shared, before the
execution of the Loan contract.
C) Details of Contingent Charges – Part 1
Repayment
For Bank transfer mode: NIL
Convenience
For other modes: As per payment gateway charges (Inclusive of GST)
Charges
Pre-Payment/Foreclosure charges may be applicable at the discretion of Lender/Co lender. If charged,

Pre- the foreclosure charges shall be levied at 4% of the principal amount being prepaid.
Payment/Foreclosure
Charges No foreclosure charges/pre-payment penalties will be applicable on any floating rate term loan
sanctioned for purposes other than business to individual borrowers (Inclusive of GST).
Schedule of Pricing and charges
Note: The Lender/Lenders may decide to provide up to 100% waiver on 1 or more of the fees shown below, on a
case-to-case basis, to help borrowers in special situations like financial issues, medical emergencies, natural
calamities, etc. as part of the lender’s customer service initiatives. As and when any updates to the fees &
charges are introduced by the lender, the borrower shall be intimated about such changes by email or otherwise
in the manner prescribed for the same from time to time by lender. The borrower shall at all times ensure that
his/her latest mobile number and email ID is updated with the lender. The lender shall rely upon the mobile
number and email ID provided by borrower, and shall not be obliged to verify or make further inquiry into the
validity of the mobile number and email ID provided by borrower. The borrower shall in no circumstance dispute
such reliance by the lender.
Payment Gateway Charges:
The borrower can choose the most appropriate Payment Option available in the Payment Gateway and use
the same for online payment of Kissht outstanding dues/fees/other charges. The applicable payment
gateway charges, if any, shall be communicated to the borrower at the time of payment and will need to be
borne by borrower.
D) Details of Contingent Charges – Part 2
Overdue Penalty Charges
1. Customers with overdue amounts less than Rs. 7000 will be charged a one-time overdue charge of Rs 150 and per day penalty charge of Rs 50.
2. Customers with overdue amounts greater than or equal to Rs. 7000 will be charged a one-time overdue charge of Rs 200 and per day penalty charge as mentioned in the
“Daily Penalty Charges” grid
Daily Penalty Charges
Amount Daily Penalty Charge APR For Daily Penal Charges
₹7000-7999 ₹50 91%
₹8000-8999 ₹50 80%
₹9000-9999 ₹50 71%
₹10000-10999 ₹50 64%
₹11000-11999 ₹50 58%
₹12000-12999 ₹50 53%
₹13000-13999 ₹50 49%
₹14000-14999 ₹50 46%
₹15000-15999 ₹50 43%
₹16000-16999 ₹50 40%
₹17000-17999 ₹50 38%
₹18000-18999 ₹50 35%
₹19000 & above ₹50 34%
Note: 18% GST on “Overdue Penalty Charges” amount is additionally applicable. System will auto-calculate
Overdue Penalty Charges + GST & display only the total to you.
Important Notes:
1. Subject to sub-point 2 below, One-Time Overdue Charges & Daily Penalty Charges will be applied if the EMI repayment is done after the scheduled due date or if
otherwise applicable as per the terms of the Financing Document (collectively referred to as “Overdue Penalty Charges”).
2. The Overdue Penalty Charges to be levied on borrower, per EMI, will be lower, of INR Rs.2000, 100% of principal outstanding, or the amount calculated as per the
details provided in the Details of Contingent Charges – Part 2 above
3. As and when any updates to the fees & charges are introduced by the Lenders, the borrower shall be intimated about such changes by email or otherwise in the
manner prescribed for the same from time to time by Lenders. The borrower shall at all times ensure that his/her latest mobile number and email ID is updated with
the Lenders. The Lenders shall rely upon the mobile number and email ID provided by the borrower, and shall not be obliged to verify or make further inquiry into
the validity of the mobile number and email ID provided by the borrower. The borrower shall in no circumstance dispute such reliance by the Lenders.
Other Charges:
NACH Return Charges (per instance) ₹100 (incl. of GST)
E) Grievance Redressal Mechanism – Level 1
022 62820570 / 022 48914921
The customer can get in touch with the customer service executive over call between 9:30 am to 6:30 pm, 7 days a
Call week & 365 days a year by dialing the above number.
If the customer is unable to connect due to temporary heavy call volumes. A callback shall be attempted, in most of
the cases, by the customer services team to the customer to resolve his query/grievances.
022 48913631
The customer can get in touch with the customer service executive over Chat (preferably from his/her registered
mobile number) between 9:30 am to 6:30 pm, 7 days a week & 365 days a year by saving the above Official
Chat WhatsApp Chat number on his/her smartphone. In addition to WhatsApp Chat, the customer can also Chat with the
customer service executive by simply using the Chat option given in the Kissht App.
During non-working hours, the customer can use the automated Chatbot service available on the same number for
getting his/her basic queries resolved and for raising a grievance too.
care@kissht.com
Email
The customer can get in touch with the customer service executive over Email by sending his query/grievance
(preferably from his/her registered email id) to the above mentioned email id of the company.
F) Grievance Redressal Mechanism – Level 2
If customer is unable to get a satisfactory response or is unable to reach the above Level 1 channels for Grievance Redressal,
he/she may choose to escalate the issue to the below mentioned officer’s:
Grievance Redressal Officer (GRO) Principal Nodal Officer (NO)
Mr. Bharat Mori Mr. Bharat Mori

Lender
1
Address: 4th Floor, Narayan Chambers, B/h Patang Address: 4th Floor, Narayan Chambers, B/h Patang
Hotel, Ashram Road, Ahmedabad - 380009 Hotel, Ashram Road, Ahmedabad - 380009
Ph: 079-41106500 Ph: 079-41106500
Email: mfsl@mas.co.in Email: mfsl@mas.co.in
Grievance Redressal Officer (GRO) Principal Nodal Officer (NO)
Mr. Mukul Dwivedi Mr. Suraj Shetty

Lender
2
Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg,
Kurla West, Mumbai, Maharashtra 400070 Kurla West, Mumbai, Maharashtra 400070
Ph: 7967112136 Ph: 8046983691
Email: info@sicrevacapital.com Email: suraj.shetty@sicrevacapital.com
Grievance Redressal Officer (GRO) Nodal Officer (NO)
Pravin Rathod Zaffar Khan

LSP Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg,
Kurla West, Mumbai, Maharashtra 400070 Kurla West, Mumbai, Maharashtra 400070
Ph: 080-68249277 Ph: 080-68249278
Email: care@kissht.com Email: escalation@kissht.com
Important Notes:
The Grievance Redressal Officer (GRO) may be reached on the number provided above anytime between 10:00 and
18:00 from Monday to Saturday except public holidays or through the e-mail address above. The GRO shall endeavor
to resolve the grievance within a period of 14 days from the date of receipt of a grievance.
If the Borrower does not receive a response from the GRO within 14 (fourteen) days of making a representation, or if
the Borrower is not satisfied with the response received from the GRO, the Borrower may reach the Nodal Officer
anytime between 10:00 to 18:00 from Monday to Saturday except public holidays or write to the Nodal Officer at the
e-mail address above.
If the grievance is not redressed by the Nodal Officer of the Company, within a period of 30 (thirty) days, then the
borrower can lodge a complaint over the Complaint Management System (CMS) portal under the Reserve Bank-
Integrated Ombudsman Scheme (RB-IOS).
G) Details of Recovery Mechanism:
SI Creva Capital Services Private Limited (SCCSPL) is an RBI registered NBFC follows all extant rules related to
collections practices as laid down under regulations. SCCSPL follows a customer first approach where the emphasis of
collections is to work with the borrower so as to ensure the best outcome for them, while educating them on their
rights and consequences under different scenarios.
The course of action adopted by SCCSPL post default by the borrower in repaying the scheduled repayment(s) is as
follows:
In the event of any delay or default in payment of any amount due and payable by the borrower in relation to the loan,
the immediate action taken is to initiate messaging through SMS, inapp-chat, Verified WhatsApp Business Account,
IVR, notifications, email and tele-calling by our inhouse collection team. The messaging is context-based and focuses
on customer education and warning around credit bureau impacting future loans and legal impact.
The next action taken is to send written communication by letters and/ or by electronic communication LDN (Loan
Demand Notice) and LRN (Loan Recovery Notice) through multiple channels including email, SMS, Verified WhatsApp
Business Account and registered post in vernacular languages.
Finally, SCCSPL delegates the recovery to its network of field agents who will first visit the borrower at the place of
their choice, and in the absence of any specified choice of place, at the place of their residence and if unavailable at
residence, at the place of business/occupation/ identified place of work. Such personal visits shall ideally be from 8.00
am to 7.00 pm. It is ensured that the external collection partners are compliant with RBI guidelines and
recommendations and follow best industry practice. In case of personal visits, identity and authority of persons making
such visits for follow up and recovery would be made known to the obligors at the first instance. All collection agents
will be required to follow a code of conduct covering their dealings with the borrowers. All the practices adopted for
follow up and recovery of dues and enforcement of security will be in consonance with applicable laws. In addition to
the foregoing, recovery proceedings may be initiated in accordance with applicable laws.
SI Creva Capital Services Private Limited

Registered Office: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070.
CIN: U65923MH2015PTC266425 | Email: info@sicrevacapital.com | https://sicrevacapital.com

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HIMANSHU MEENA

Faridabad Ballabgarh Subhash Colony Lal Kothi

Please find the loan details for your reference:

Total Amount to be Paid `

Co-Lending Ratio MAS Financial Services Limited:

Si Creva Capital Services Pvt Ltd:

1st Installment Date

1st Installment Amount `

2nd Installment Amount `

Please read carefully and ACCEPT to continue

I/We agree and confirm:

GENERAL TERMS AND CONDITIONS OF FACILITY

3. PAYMENT/REPAYMENT AND INTEREST

4. MODE OF PAYMENT, REPAYMENT AND PREPAYMENT

5. BORROWER’S COVENANTS, REPRESENTATION AND WARRANTIES

12. GOVERNING LAW AND JURISDICTION

Grievance officer details:

Name: Mr. Bharat Mori Name: Suraj Shetty

Signature of the Borrower

Annexure 1 – Schedule of Charges

Overdue Penalty Charges

Daily Penal Charges

Amount Daily Penalty Charge APR for Daily Penalty Charge

PDC Swap charges `500

Swapping Charges - Change of NACH Rejected Bank A/c for payment:

Cash / check pickup (for repayment): `250

Foreclosure Charges 0% on Balance Principal Outstanding irrespective of loan tenure

Part payments are not allowed.

Overdue Period Classification

Upto 30 days SMA-0

More than 30 days and upto 60 days SMA-1

More than 60 days and upto 90 days SMA-2

More than 90 days NPA*

Upto 30 days SMA-0 April 05, 202X

Over 90 days NPA July 04, 202X

Name of Lender 1: MAS FINANCIAL SERVICES PVT LTD

Name of Lender 2: SI Creva Capital Services Private Limited

Applicant Name: HIMANSHU MEENA

Loan reference number: LOS165176282192797Q3

38, Faridabad Ballabgarh Subhash Colony Lal Kothi

Faridabad Ballabgarh Subhash Colony Lal Kothi, Ballabgarh

A) Details of Fees & Charges

Disbursement Date 2023-02-09

(i) - Loan Amount (in Rs.) 10500

Annualized Rate of Interest (% per annum) 18%

(ii) - Interest Amount (in Rs.) 242

1 st Installment Due Date 2023-03-12

Last Installment Due Date 2023-04-12

(iii) - Processing charge (in Rs.) Processing charge 525

(iv) - Disbursement Amount (in Rs.) (i)-(iii) 9975

Total Amount to be Paid (in Rs.) 10742

(v) - Annual Percentage Rate (% per annum)

One Time Activation Fees One Time Activation Fees 1207.5

Tenure of the Loan (in months/days) 62 Days

Repayment frequency by the borrower Monthly

Number of instalments of repayment 2

Amount of each instalment of repayment (in Rs.) 5371

Details about Contingent Charges

Details of recovery mechanism Refer to Section G

1 2023-03-12 5210 161 5371

2 2023-04-12 5290 81 5371

C) Details of Contingent Charges – Part 1