Dear Applicant,

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

Pursuant to your Loan Application, kindly find enclosed the below documents pertaining to your
Loan/ Facility:

a) Personal Loan Terms & Conditions

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

Thank you,
Yours truly,
For Tata Capital Financial Services Limited

For Tata Capital Financial Services Limited

Signed and delivered by the within named Lender
Tata Capital Financial Services Limited
by the hands of its Authorized Signatory/
Constituted
Attorney Mr Deepak Aggarwal
Authorised Signatory/ies

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 Terms and Conditions – Personal Loan Facility
(A) The Borrower has represented to the Lender that the Borrower is in need of initial finance facility from the Lender
and requested the Lender to provide such initial finance facility. The Borrower has further requested the Lender
to provide for an additional top-up facility also.

(B) The Lender has agreed to grant the said initial finance facility for an amount specified in the Loan details section
(“Initial Facility”) on the terms and conditions contained herein and the Master Terms and Conditions registered
as Document No. 8980-2018 on November 6, 2018 with the Sub-Registrar at Mumbai City - 3 (hereinafter severally
referred to as “Master T&Cs”). Based on the request of the Borrower, the Lender has agreed, that, upon the
completion of 12 months from the date of first disbursement under the Initial Facility (“Period”) or such other
period as may be agreed, subject to the Borrower meeting the credit and other criteria of the Lender, the Borrower
shall be entitled to an additional facility not exceeding the amount as specified in the Loan details section
(“Additional Facility”), without further act or deed and the same may be disbursed to the Borrower at any time
after the said Period at the discretion of the Lender on the terms and conditions contained herein and the Master
T&Cs.

(C) The Lender shall, at its sole discretion, without assigning any reason, be entitled to cancel or reduce the Additional
Facility. The term “Facility” shall include the Initial Facility and also the Additional Facility and unless repugnant to
the context, references to the term ‘Facility’ in the Master T&Cs shall be read and construed accordingly.
(D) The Lender has agreed to extend the Facility to the Borrower, on the faith of the undertakings, representation and
warranties made by the Borrower (as more particularly stated in the Facility Documents).

1. Definitions and Interpretation:

(a) The capitalised terms wherever used in these Terms and Conditions, unless the context otherwise requires, have the
meanings ascribed to them in the Master T&Cs.
(b) The rules of interpretation as set out in the Master T&Cs shall apply mutatis mutandis to these Terms and Conditions.

2. Facility
(a) The Borrower agrees to borrow, and the Lender agrees to grant to the Borrower, the Facility, being the amount
specified in Loan details section and on such terms and conditions contained herein and in the Master T&Cs for the
Purpose as mentioned in the Facility Documents.
(b) The Borrower shall not be entitled to cancel or refuse to accept Disbursement of the Facility upon acceptance of these
Terms and Conditions except with prior written approval of the Lender and upon payment of such cancellation charges
as set out in the Loan details section. Further, such cancellation shall take effect only when the Borrower has paid to
the Lender the Outstanding in full to the Lender’s satisfaction.
(c) Borrower understands and agrees that no deferment of instalments or moratorium on account of Covid-19 as
contemplated by the COVID-19 – Regulatory Package announced by RBI or the relevant policy of Tata Capital shall be
available for this loan and borrower shall not apply for the same.

3. Repayment and Interest

(a) The Instalments and all other Outstanding from time to time with respect to the Initial Facility shall be paid / repaid
by the Borrower on or before the respective Due Dates in accordance with the Repayment Schedule as set out in the
Loan details section. The details of tenure, repayment etc. in respect of the Additional Facility shall be provided to the
Borrower at the time of availing the Additional Facility and shall be payable by the Borrower on or before their
respective Due Dates.
(b) Without prejudice to the rights of the Lender under the Facility Documents, the Interest shall be computed at a fixed
rate and shall be payable at such rate as set out in the Loan details section and the Interest shall be computed on the
actual daily outstanding principal balance of the Facility on the basis of a 360 days’ year and actual number of days
elapsed and compounded with monthly rests on the outstanding balance of the Facility at the end of every calendar
month.

4. Additional Interest
In case of default by the Borrower in the repayments of the Facility on the relevant Due Date or any other delay/
default/ breach committed by the Borrower, the Lender shall have a right at its option to charge Additional Interest
as set out in the Loan details section, over and above the prevailing interest rate for the period during which such
default continues.

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

5. Prepayment

The Borrower may be permitted to make part or full prepayment of the Outstanding on the terms and conditions
contained in the Master T&Cs and by making payment of applicable Prepayment / Foreclosure charges as set out in
the Loan details section and as may be revised by the Lender from time to time at its sole discretion.

6. Costs and Expenses

The Borrower shall be liable to pay Dishonour Charges and such other charges, costs, expenses related to and arising
out of the Facility as set out in the Loan details section. The Lender in its sole and absolute discretion reserves the
right to periodically review, revise, re-negotiate, waive any such charges or levy any new charges which shall be
updated by the Lender on its website (www.tatacapital.com) or otherwise intimated to the Borrower. The Borrower
shall be liable to pay such charges without any demur or delay and shall not be entitled to raise any objections. The
Borrower shall be liable to pay the Processing Fee set out in the Loan details section in respect of the Initial Facility as
also the Additional Facility.

7. Disclosure

The Borrower hereby agree and consent for disclosure and sharing of the information and data and for being
contacted vide various communication modes notwithstanding their names and / or numbers appearing in the Do Not
Call or Do Not Disturb registry, as per the terms and conditions contained in the Master T&Cs.

8. Lien, Set-off, Cross Default

Any default by the Obligors under any agreement, arrangement, guarantee, and/or under any of its/their
Indebtedness (whether actual or contingent, or whether primary or collateral, or whether joint and/ or several), with
the Lender, shall constitute an Event of Default under the Facility. The Lender, shall have a paramount lien and right
of set-off on/against all other, present as well as future monies, securities, deposits of any kind and nature, all other
assets and properties belonging to the Obligors’ credit (whether held singly or jointly with any other person), which
are deposited with/under the control of the Lender pursuant to any contract entered/to be entered into by the
Obligors in any capacity, notwithstanding that such deposits may not be expressed in the same currency as the
Indebtedness. The Lender shall be entitled and authorized to exercise such right of lien and set-off against all such
amounts/assets/properties for settlement of the Outstandings with or without any further notice to any Obligor. It
shall be the Obligors’ sole responsibility and liability to settle all disputes/objections with such joint account holders.
If so required, the Lender shall be well within their rights to exercise the right of set-off against the money lying in the
joint account(s) or in any deposit/bond/other assets held jointly, for settlement of Outstandings.

9. Other Conditions

(a) The Borrower shall abide by all terms and conditions as specified in the Master T&Cs including without limitation
general and special covenants mentioned therein, which shall form an integral part of these Terms and Conditions
as if incorporated herein. In case of any inconsistency or repugnancy between the terms of these Terms and
Conditions and the Master T&Cs, the terms of these Terms and Conditions shall prevail. It is hereby clarified that
Clause 1.1(v) and Clause 11 as appearing in the Master T&Cs shall be deemed to be deleted from the Master T&Cs.
(b) Nothing contained herein shall limit the rights of the Lender to enforce these Terms and Conditions independently
and in exclusivity to the Facility Documents.
(c) The Borrower hereby state that the Borrower has read and understood the Master T&Cs, a copy of which is available
on the website (i.e. www.tatacapital.com), and hereby agree to be bound by the terms and conditions as contained
in the Master T&Cs read with these Terms and Conditions.
(d) The Borrower shall adhere to the timelines set out in the Loan details section.
(e) Notwithstanding anything contained in the Facility Documents, the Lender may at its sole and absolute discretion,
without assigning reasons, and without notice to the Borrower, cancel the Facility or any part thereof and/or demand
immediate repayment of all Outstanding under/in relation to the Facility. The Lender shall intimate the Borrower
regarding such cancellation.
(f) In the event any amount is not paid when due, the account will be flagged as overdue as part of day-end process as
Special Mention Account (‘SMA’) or Non- Performing Asset (‘NPA’) (as the case may be) in accordance with the
extant RBI provisions. Examples of classification of an account as SMA/ NPA categories are provided below. The
Obligors confirm that they have read, understood and accepted the same.

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 Examples of SMA/NPA Classification

SMA Sub- Categories Basis for classification- Instalment or any

other amount wholly or partly overdue
SMA-0 1-30 days

SMA-1 31-60 days

SMA-2 61-90 days
NPA More than 90 days
Examples:
(a) If due date of a loan account of the borrower is 9th March 2021 and full dues are not received on this
date, the date of overdue shall be end of the day on 9th March 2021 and the loan account shall be
classified as SMA–0.
(b) If the loan account continues to remain overdue on 8th April 2021 i.e. upon completion of 30 days of
being continuously overdue, then this account shall be classified as SMA-1 on 8thApril, 2021.
(c) If the loan account continues to remain overdue upon running day-end process on 8th May 2021 i.e.
upon completion of 60 days of being continuously overdue, it shall be classified as SMA-2 on 8th May
2021.
(d) If the loan account continues to remain overdue upon running day-end process on 7th June 2021 i.e.
upon completion of 90 days of being continuously overdue, it shall be classified as NPA on 7th June
2021 along with all other loan accounts, if any, of the borrower/s with the Lender.

10. Arbitration

If any dispute, difference or claim arises between any of the Obligors and the Lender in connection with the Facility or
as to the interpretation, validity, implementation or effect of the Facility Documents or as to the rights and liabilities of
the parties under the Facility Documents or alleged breach of the Facility Documents or anything done or omitted to be
done pursuant to the Facility Documents, the same shall be settled by arbitration to be held at the said Location (as
defined below ) in accordance with the Arbitration and Conciliation Act, 1996, or any statutory amendments thereto
and shall be referred to a sole arbitrator appointed in accordance with the Arbitration and Conciliation Act, 1996. The
award of the arbitrator shall be final and binding on all parties concerned. The seat of arbitration for all purposes shall
be Chennai unless any other place is agreed and mentioned in Annexure 1 hereto (‘said Location’). The language of
arbitral proceedings shall be English.

The courts at the said Location shall have exclusive jurisdiction in respect of matters arising under this Agreement
including any application for setting aside the award/appeal and the Lender/ Borrower(s) shall not object to such
jurisdiction. The arbitration shall be conducted under the provisions of the Arbitration and Conciliation Act, 1996
together with its amendments, any statutory modifications or re-enactment thereof for the time being in force. The
award of the arbitrator shall be final and binding on all parties concerned. The cost of arbitration shall be borne by the
Borrower.

11. Jurisdiction

Subject to the clause 10 above, the Parties hereto agree that all disputes arising out of and/or in relation to this
Agreement, shall be subject to exclusive jurisdiction of the courts/tribunals in Chennai unless any other place is agreed
and mentioned in Annexure 1 hereto in which event the courts at the said place shall have exclusive jurisdiction. The
Lender may, however, in its absolute discretion commence any legal action or proceedings arising out of this Agreement
in any other court, tribunal or other appropriate forum and the Obligors hereby consent to that jurisdiction.

12. Miscellaneous Terms

(a) This Terms and Conditions is the Specific Agreement as referred to in the Master T&Cs.
(b) The Borrower hereby agree that this is a legally binding document between the Borrower and the Lender.

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 ANNEXURE 1
Personal Loan - Key Fact Statement and Loan Details
1) Place of Execution WEST DELHI
2) Date of Execution 09/11/2023
3) Name of Regulated Tata Capital Financial Services Limited.
Entity/ Lender
4) Details of the a) Name: NEETU SINGH
Borrower/s and b) Constitution: Individual
Co-Borrower/s c) Address RZ 553/405 GALI NO. 15 WEST SAGARPUR SHIVPURI Nang
al Raya S.O South West Delhi Delhi 110046
a) Name NA
b) Constitution NA
c) Address NA
5) Purpose Personal Use
6) a. Amount of the 289000
Rs. _______________________ /-
Initial Facility/ TWO LAKH EIGHTYNINE THOUSAND
(Rupees __________________________________________________________________only)
Loan Amount
b. Amount of Rs. _______________________ /-
Additional Facility (Rupees __________________________________________________________________only)

7) Processing Fees ________%

2.00 of the Loan Amount/ Facility Amount Rs. 5780
8) Other Deductions a) Insurance and Third-Party Product Charges Rs. 9067
b) Stamp Duty Rs.
c) Broken Period Interest Rs. 0
d) Other Charges (if any) Rs. NA
e) Total Deductions (a + b + c + d) Rs. 9067
9) Net Disbursed
Amount (6) less (7 + 8.e) Rs. 271482
10) Type of Facility Term Loan Facility: 
✔ or Revolving Facility:  60
Tenure (in Months): _____________
opted
If Revolving Facility, then
a) Maximum Credit Limit Rs. _________________/-
(Rupees____________________________________________________________)
b)  Dropline Facility

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

___________ months.
c) Frequency at which the Maximum Credit Limit shall be reduced: Monthly
d) Amount by which Maximum Credit Line shall Maximum Credit Limit: ___________
be reduced on the frequency specified in (c)
Remaining Tenure: _____________
above:
11) Repayment a) First EMI due on 05/12/2023
Schedule b) Last EMI Date 05/11/2028
c) Instalment Due Date 5th of every month
d) No. of Instalments of Repayment 60
e) Monthly Instalment payable (including insurance in case Rs. _________________
8147
of insurance provision) under term loan facility per month
f) Repayment frequency by the Borrower Monthly
12) Moratorium period
(if any)
13) Interest Payable a) Interest Type: Fixed
b) Rate of Interest: 23.0 % p.a.
c) Total interest charged during the entire tenor of the loan 199823
14) Additional Interest a) For default in payment of interest and/ or principal amounts – 3% per month on
overdue amount (Annualized penal charge of 36%)

b) For delay or non-submission of the financial statements or such other

documents as required under the Facility Documents - 3% per month
(Annualized penal charge of 36%)

15) Part-Prepayment/ Part Prepayment:

Prepayment/ Lock-in Period: 12 months from the date of first disbursement
Foreclosure Part Prepayment is allowed once per year and the minimum gap between two part-
Charges a)
prepayments to be six months.
b) A maximum of 50% of the principal outstanding is allowed by way of part prepayment
during a single year.
c) A part prepayment charge of 2.5% shall be applicable on amount over and above 25%
of principal outstanding and upto maximum 50% of principal outstanding.
d) No part payment is allowed during the Lock-in period

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 e) Minimum Part prepayment amount to be greater than or equal to 2 months EMI
Foreclosure charges on Term Loan Facility:
a) 4.5% on the principal outstanding at the time of foreclosure.
b) In case the Borrower forecloses the Facility within 12 months after doing part-
prepayment, foreclosure charges of 4.5% will be levied on the principal outstanding
plus part prepayment amount.
c) Any prepayment/foreclosure made during the Lock-in period will attract additional 2%
over and above the prepayment/ foreclosure charges mentioned in (a) above on the
principal outstanding at the time of foreclosure.
Foreclosure charges on Top-up:
a) 2.50% on the principal outstanding at the time of foreclosure.
b) Foreclosure charges shall be levied only if new rate is lower than existing rate.
c) Any prepayment/ foreclosure made during the Lock-in Period will attract prepayment/
foreclosure charges of 4.5% on the principal outstanding.
Foreclosure Charges in Dropline Facility:
a) 4.5% on the Dropped down limit amount.
b) Any prepayment/ foreclosure made during the Lock-in Period will attract additional 2%
over and above the prepayment/ foreclosure charges mentioned in (a) above on the
Dropped down limit
16) Charges a) Payment Instruments Rs. 550/- per instance
swapping
b) Dishonour Charges Rs. 600/- for every Cheque/ Payment Instrument Dishonour
c) Mandate Rejection Rs. 450/-
Service Charges (Charges will be levied if new mandate form is not registered
within 30 days from the date of rejection of previous mandate
form by Borrower’s bank for any reasons whatsoever.)
d) Annual Maintenance 0.25% on Dropline Amount or Rs.1000, (whichever is higher)
Charges for PL per year will be deducted from the limit and shall be payable
Overdraft (Dropline at the end of the 13th month.
facility)
e) Cancellation charges 2% of the Loan Amount/ Facility amount OR
Rs. 5750/-
Whichever is higher
f) Duplicate Repayment Rs. 550/-
Schedule
g) Duplicate NOC Rs. 550/-
h) Outstation collection Rs.100 /- per repayment instrument
charges
i) Statement of Account Customer Portal – Nil
(SOA) Branch walk-in – Rs. 250/-
j) Foreclosure Letter Customer Portal – Nil
Charge Branch walk-in – Rs 199/-
Legal Charges
a) Section 138 & Section Rs. 3400/-
25 filing
b) Arbitration Filing Rs. 4000/-
c) Receiver Order District Court: Rs. 4000/- and High court: Rs. 13,500/-
d) Notice Rs. 125/-
e) Legal Notice Rs. 300/-
f) Lawyer Fees (at Actuals)
g) Execution of award Rs. 5600/-
17) Insurance and a) Life Insurance Premium
Third-Party b) General Insurance Premium
Product Charges
c) Health Insurance Premium
d) IHO Plan Amount Rs. 2119
e) One Assist Plan Amount Rs. 4745
f) CPP Plan Amount Rs. 2203
18) Other Important a) Total Amount to be paid by the borrower (6 + 13.c) Rs. 488823
Details b) Annual Percentage Rate % - Effective annualized __________%
23.99 p.a.
interest rate (in percentage) (computed on net disbursed
amount using IRR approach and reducing balance
method)
Note: APR may change in case there is change in the
Scheme opted.
19) Other Disclosures a) Cooling off/ look-up period during which borrower shall 3 days from the date of
not be charged any penalty on prepayment of loan loan disbursal

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 b) Details of the Lending Service Provider (‘LSP’) acting as Not Applicable
recovery agent and authorized to approach the borrower
c) Details of Nodal Grievance Redressal Officer:
i) Name Francyna Dias
ii) Designation, Grievance Redressal Officer
iii) Address 11th Floor, Tower A, Peninsula Business Park,
Ganpatrao Kadam Marg, Lower Parel, Mumbai -
400013
iv) Phone No. 18602676060
If you are not satisfied with the resolution, please visit the link:
https://www.tatacapital.com/contact-us/customer-grievances.html and submit your grievances.
Note: (GST, other government taxes and levies as applicable, will be levied on all fees and charges in
this document)
20) Place of Arbitration [Delhi / Chennai / Mumbai / Kolkata]
(Tick whichever is
applicable)
21) Jurisdiction [Delhi / Chennai / Mumbai / Kolkata]
(Tick whichever is
applicable)
22) Timelines Sr. No. Conditions Timelines
a) End use certificate shall be provided by the Obligors to Within 30 days
the Lender
b) Fresh Payment Instruments shall be delivered by the Within 7 days
Obligors to the Lender
c) TDS certificate in the Form No. 16A of the IT Act Within 45 days from the
downloaded from the TDS Reconciliation Analysis and end of the relevant quarter
Correction Enabling System (“TRACES”) website shall in which tax is deducted
be provided by the Obligors to the Lender and within 75 days from
the end of the last quarter
of the financial year
d) An amount equivalent to the TDS amount paid by the Within 90 days
Obligors shall be refunded to the Borrower by the Lender
upon receipt of the TDS certificate and subject to
compliance with the conditions stipulated in the relevant
provision of the T&Cs.
e) TDS refund claim will not be entertained by the Lender. After 30 days of the
succeeding financial year
f) Credit of the TDS amount may be requested by the Not later than 60 days of
Obligors by furnishing of the TDS certificate. the succeeding financial
year
23) Other Terms and In case the dues accrued for the month have not been paid by the due date of the succeeding
Conditions calendar month, the Lender shall be entitled to withhold/ cancel fresh drawdown made by the
Borrower of any amount under the Facility until the Borrower pays the entire dues. Further, in case
the dues are unpaid till 39 days after the due date, the Borrower will be required to submit 6 months
bank statement procured post making payment of the dues to the Lender, to evaluate the Borrower’s
request for further drawdown. Any such further disbursal shall be at the sole discretion of the Lender.

24) IP Address 42.105.139.157:7820

25) Date and Time
09-11-2023 17:24:41
Stamp

Note:
 Broken Period Interest amount and 1st EMI date depend on the date of disbursal and the final figures would be
mentioned in the Welcome Letter and Repayment schedule.
 Net Disbursed Amount may change if there is a difference in agreement execution date and actual loan disbursal date
on account of change in Broken Period Interest or any changes opted post execution of the agreement.

Privacy Policy: Please refer to the privacy policy on:

https://www.tatacapital.com/content/dam/tata-capital/pdf/footer/Privacy_Commitment.pdf

LSP Details: Please click on link below:

https://www.tatacapital.com/partners.html

Collection Vendor Details: Please click on link below:

https://www.tatacapital.com/collection-vendor.html
Mr Deepak Aggarwal NEETU SINGH
____________________ ________________ ____________________
Authorised Signatory / ies Borrower’s Signature Co-Borrower’s Signature

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 Personal Loan Term & Overdraft Agreement

Installment or Repayment Schedule Chart

Annual Loan Installment
Interest Rate 23.00 289,000 60
Amount (Tenor)
%

Amount (Rs.)
Effective
Opening
Instl. # Due Date Installment Principal Interest Rate (%) /
Balance Days
1 05/12/2023 289,000 8,147 2,608 5,539 23.00/30
2 05/01/2024 286,392 8,147 2,658 5,489 23.00/30
3 05/02/2024 283,734 8,147 2,709 5,438 23.00/30
4 05/03/2024 281,025 8,147 2,761 5,386 23.00/30
5 05/04/2024 278,265 8,147 2,814 5,333 23.00/30
6 05/05/2024 275,451 8,147 2,868 5,279 23.00/30
7 05/06/2024 272,584 8,147 2,923 5,225 23.00/30
8 05/07/2024 269,661 8,147 2,979 5,169 23.00/30
9 05/08/2024 266,682 8,147 3,036 5,111 23.00/30
10 05/09/2024 263,647 8,147 3,094 5,053 23.00/30
11 05/10/2024 260,553 8,147 3,153 4,994 23.00/30
12 05/11/2024 257,400 8,147 3,214 4,933 23.00/30
13 05/12/2024 254,186 8,147 3,275 4,872 23.00/30
14 05/01/2025 250,911 8,147 3,338 4,809 23.00/30
15 05/02/2025 247,573 8,147 3,402 4,745 23.00/30
16 05/03/2025 244,171 8,147 3,467 4,680 23.00/30
17 05/04/2025 240,704 8,147 3,534 4,613 23.00/30
18 05/05/2025 237,171 8,147 3,601 4,546 23.00/30
19 05/06/2025 233,569 8,147 3,670 4,477 23.00/30
20 05/07/2025 229,899 8,147 3,741 4,406 23.00/30
21 05/08/2025 226,159 8,147 3,812 4,335 23.00/30
22 05/09/2025 222,346 8,147 3,885 4,262 23.00/30
23 05/10/2025 218,461 8,147 3,960 4,187 23.00/30
24 05/11/2025 214,501 8,147 4,036 4,111 23.00/30
25 05/12/2025 210,465 8,147 4,113 4,034 23.00/30
26 05/01/2026 206,352 8,147 4,192 3,955 23.00/30
27 05/02/2026 202,160 8,147 4,272 3,875 23.00/30
28 05/03/2026 197,888 8,147 4,354 3,793 23.00/30
29 05/04/2026 193,534 8,147 4,438 3,709 23.00/30
30 05/05/2026 189,096 8,147 4,523 3,624 23.00/30
31 05/06/2026 184,573 8,147 4,609 3,538 23.00/30
32 05/07/2026 179,964 8,147 4,698 3,449 23.00/30
33 05/08/2026 175,266 8,147 4,788 3,359 23.00/30
34 05/09/2026 170,478 8,147 4,880 3,267 23.00/30
35 05/10/2026 165,599 8,147 4,973 3,174 23.00/30
36 05/11/2026 160,626 8,147 5,068 3,079 23.00/30
37 05/12/2026 155,557 8,147 5,166 2,982 23.00/30
38 05/01/2027 150,392 8,147 5,265 2,883 23.00/30
39 05/02/2027 145,127 8,147 5,365 2,782 23.00/30
40 05/03/2027 139,762 8,147 5,468 2,679 23.00/30
41 05/04/2027 134,293 8,147 5,573 2,574 23.00/30
42 05/05/2027 128,720 8,147 5,680 2,467 23.00/30
43 05/06/2027 123,040 8,147 5,789 2,358 23.00/30

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

 Personal Loan Term & Overdraft Agreement

44 05/07/2027 117,252 8,147 5,900 2,247 23.00/30

45 05/08/2027 111,352 8,147 6,013 2,134 23.00/30
46 05/09/2027 105,339 8,147 6,128 2,019 23.00/30
47 05/10/2027 99,211 8,147 6,246 1,902 23.00/30
48 05/11/2027 92,966 8,147 6,365 1,782 23.00/30
49 05/12/2027 86,600 8,147 6,487 1,660 23.00/30
50 05/01/2028 80,113 8,147 6,612 1,536 23.00/30
51 05/02/2028 73,502 8,147 6,738 1,409 23.00/30
52 05/03/2028 66,763 8,147 6,867 1,280 23.00/30
53 05/04/2028 59,896 8,147 6,999 1,148 23.00/30
54 05/05/2028 52,897 8,147 7,133 1,014 23.00/30
55 05/06/2028 45,764 8,147 7,270 877 23.00/30
56 05/07/2028 38,494 8,147 7,409 738 23.00/30
57 05/08/2028 31,085 8,147 7,551 596 23.00/30
58 05/09/2028 23,533 8,147 7,696 451 23.00/30
59 05/10/2028 15,837 8,147 7,843 304 23.00/30
60 05/11/2028 7,994 8,147 7,994 153 23.00/30
Total 488,823 289,000 199,823

TATA CAPITAL FINANCIAL SERVICES LIMITED

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46

Note:

▪ 09/11/2023
This Repayment Schedule and its figures and calculation are as on _________ and may vary based on the
applicable date of disbursement.

IP Address:42.105.139.157:7820 Date & Time: 09-11-2023 17:24:46