BAJAJ FINANCE LIMITED("BFL") PERSONAL LOAN

APPLICATION FORM

Application No: 1100000120192813

SECTION I

Loan Details

Required loan amount 1020513

Required tenor in months 72

Product Type Salaried Personal Loan

Loan Variant Flexi Hybrid Loan

Customer ID ( For existing Customers)

Loan Purpose Personal Use

Applicant Details
Vikash Kumar
Name of the applicant

Father's/ Spouse’s name RAMESH KUMAR

Mother's name RANI DEVI

Date of birth 1989-05-15

Qualification

Gender ✔ Male
Female
Transgender

Marital status ✔ Married

Unmarried
Others

Tel No

Mobile 9682552311

Alternate Mobile No.

Personal Email Id vikashkumarrrr0000786666@gmail.com

Residence type OWN

HNO 1032 CHEVAN CHETTY GARDENS ULSOOR ROAD

Residence address BANGALORE BANGALORE KARNATAKA 560042

City BANGALORE

Landmark BANGALORE

Pincode 560042

State KARNATAKA

Address Proof VIKASH KUMAR

9682552311
1989-05-15
2409:4055:388:301d:d500:8ca5:d9b5:7069
PAN BIHPK4361A 06 Jun 2024 at 11:11:33 IST

CKYCR Number/ KIN

(KYC Identifier/ KYC Number)

Documents ✔ PAN + 1 OVD

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 Officially Valid Documents (OVDs)and Deemed to be OVDs (to be taken in case address
mentioned on OVDs is not the current address. In cases where DOVD is submitted towards
current address applicant shall submit an OVD updated with current address within a period
of three months of submission of deemed to be OVD )

List of Officially Valid Documents (OVD):

a. Passport
b. Driving license
c. Voter's Identity Card issued by the Election Commission of India
d. Letter issued by the National Population Register containing details of name and address
e. Aadhaar (To ensure first 8 digits of his Aadhaar number are redacted or blackout)
f. Job Card issued by NREGA duly signed by an officer of the State Government

Expiry Date (applicable only in case of Passport and Driving License):

Deemed to be OVDs (DOVDs):

i. Utility bill which is not more than two months old of any service provider (electricity,
telephone, post-paid mobile phone, piped gas, water bill)
ii. Property or Municipal tax receipt
iii. Pension or family pension payment orders (PPOs) issued to retired employees by
Government Departments or Public Sector Undertakings, if they contain the address;
iv. Letter of allotment of accommodation from employer issued by State Government or
Central Government Departments, statutory or regulatory bodies, public sector
undertakings, scheduled commercial banks, financial institutions and listed companies and
leave and licence agreements with such employers allotting official accommodation

Nationality Indian

Preferred language

Employment/ Business Details – Applicant

Company sector Manufacturing

Name of the Company WIPRO LIMITED

Designation SOFTWARE ENGINEER

Years in current employment

Total work experience

Gross salary p.m. 98500

WIPRO LIMITED Kaverappa Industrail Area Stage 2 BTM Layout 2nd

Office/ Business address Stage Bengaluru BANGALORE KARNATAKA 560076

Landmark BANGALORE

City BANGALORE

Pin code 560076

State KARNATAKA
VIKASH KUMAR
9682552311
Tel No. 1989-05-15
2409:4055:388:301d:d500:8ca5:d9b5:7069
Website 06 Jun 2024 at 11:11:33 IST

Office email ID vikashkumar.wipro@proton.me

Permanent Residential Address - Applicant

Page:2 BFL/B2C/Dig/AppF/English/2024/Apr/V1
 Same as residence address

Contact person name

Relationship
HNO 1032 CHEVAN CHETTY GARDENS ULSOOR ROAD
Address BANGALORE BANGALORE KARNATAKA 560042

Landmark BANGALORE

City BANGALORE

Pin code 560042

Tel No.

Bank Details of Customer:

Account Type SAVINGS

Bank name DEVELOPMENT BANK OF SINGAPORE

Account number 8811010002569181

Bank IFSC code DBSS0IN0811

Branch and Address KOLKATA

SECTION 2

A. Interest Rate Methodology

Interest rate applicable for unsecured Personal Loans 11% p.a. to 35% p.a., may vary
basis the BFL’s internal credit and risk policy and as per algorithmic multivariate score
card which includes following variables (inclusive and not exhaustive)
(a) Interest rate risk (fixed vs floating loan),
(b) Credit and default risk in the related business segment,
(c) Historical performance of similar homogeneous clients,
(d) Profile of the Borrower(s),
(e) Industry segment,
(f), Repayment track record of the Borrower(s),
(g) Secured Vs unsecured loan,
(h) Nature and Value of collateral Security,
(i) Subvention available,
(j) Ticket size of loan,
(k) Bureau Score,
(l) Tenure of Loan,
(m) Location delinquency and collection performance, VIKASH KUMAR
(n) Customer Indebtedness (other existing loans) 9682552311
1989-05-15
2409:4055:388:301d:d500:8ca5:d9b5:7069
The aforesaid variables may be revised by BFL from time to time. 06 Jun 2024 at 11:11:33 IST

B. General Terms and conditions

I hereby agree, confirm and authorize:

Page:3 BFL/B2C/Dig/AppF/English/2024/Apr/V1
 (1) To apply for a personal loan facility ('Loan') from Bajaj Finance Limited ('BFL') for my personal use, as
stated in this application ("Application Form"). I understand and confirm that not to use the Loan for
any illegal, speculative, nefarious, fraudulent or unlawful purposes.
(2) The loan/credit facility to be provided by BFL may be either in the form of term Loan or one of the
variants or a combination of such variants from the following options: (a) Top Up loan/Additional
Loan or (b) requested for conversion of existing loan variant to other loan variant; or (c) Flexi Hybrid
Loan; or (d) Term Loan/Personal / Unsecured loan, (e) Consolidation and balance transfer of his/her
Outstanding Consumer Durable Loan.
(3) hereby acknowledge that:
(a) I have read or have been explained and understood, the features, obligations of the Loan as
provided in Detailed Terms and Conditions, accessible on [https://www.bajajfinserv.in/forms -
centre] ("Detailed Terms");
(b) The Loan availed, would be subject to payment of all fees/charges as mentioned in the
Annexures and such other fees/charges as may be prescribed by BFL from time to time ("Initial
Fees and Charges")
(c) The revision of Initial Fees and Charges and such other additional fees/charges as may be
introduced by BFL ("Revised Charges"), may be notified by BFL on its website
[https://www.bajajfinserv.in/all-fees-and-charges] and which shall constitute sufficient notice
to me;
(d) The Revised Charges as stated above, shall supersede the Initial Fees and Charges and I shall
be bound by such Revised Charges.

(4) I shall submit and execute all documents including KYC documents/other documents in such form
and manner as may be required by BFL in relation to my Application Form.

(5) CKYC Consent:

i. I hereby authorize BFL to verify/check/obtain/download/upload/update/retrieve/receive my KYC

details from/with the CKYC Registry: (i) by verifying such details through the CKYC number (i.e.
KYC Identifier/ KYC Number- KIN) provided by me or (ii) by obtaining such CKYC number/KIN,
through details shared by me for this Application Form.
ii. I hereby consent for receiving information from Central KYC Registry (CKYCR) and BFL through
SMS/Email on the registered number/email address provided by us.

(6) I hereby confirm that all the information and details including but not limited to financials/bank
statements, KYC details provided/to be provided by me pursuant in support of my application or to
be shared with any third party, including the Central KYC Registry, are true, correct and up-to-date. I
have not withheld any material information that may be required by BFL. I undertake to immediately
keep BFL updated of any change in the information provided by me, specifically KYC/CKYC details,
Bank details, change of my address/co-ordinates etc. and in case any of the above information is
found to be false or untrue or misleading or misrepresenting, I am aware that I shall be held liable for
the same and I will not hold BFL liable for any consequences that may arise owing to any delay/lapse
on my part.
(7) I authorize BFL to use my existing details and KYC documents/data for KYC compliance, if any, for
this application and in case of any changes in my registered KYC or bank account details, I shall
update about the same & submit the updated KYC to BFL.
(8) BFL to use, verify, download, exchange, share, part with all information and details as provided by me
in this Application Form with any third party including but not limited to its group companies, finan-
cial institutions, credit bureaus, Credit Information Companies ('CIC'), RBL Bank, NSDL, etc. for
customer due diligence, credit rating, marketing or promotion of BFL products and services or related
products or that of its associates, third party, Central KYC Registry (CERSAI)
and affiliates or for /enforcement of any obligations and shall not hold BFL (or any of its group compa-
nies or its/ their agents/representatives) liable for the use/sharing of the information as stated above.
Further, for the purpose of this Application Form, I authorise BFL to seek/obtain any other informa-
VIKASH KUMAR
9682552311
tion, relating to me, from any third party. 1989-05-15
(9) That BFL has the absolute discretion, to accept or reject this Loan application, as it may be deemed fit
2409:4055:388:301d:d500:8ca5:d9b5:7069
06 Jun 2024 at 11:11:33 IST
by BFL at any time, either before or after verification.
(10) That I have read and understood the Detailed Terms and also understand the applicability of the
same on availing the Loan and hereby agree to be bound by the same at all times including any addi-
tions/amendments thereto from time to time. I agree to keep myself updated of any revisions in the
Detailed Terms as may be communicated by BFL through any Acceptable Means of Communication
(as defined in the Detailed Terms).

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(11) I hereby expressly consent for taking my photo/video evidencing the conduct of loan transaction by
me and that such photo/video is unconditionally agreed to be stored and preserved for a period of at
least five (5) years or otherwise from the date of closure of the loan and/or as the law/regulations may
so mandate, whichever is higher.
(12) That I shall be liable to pay Broken Period Interest/ Pre- EMI Interest from the Date of Disbursal (as
defined in the Detailed Terms), on the Loan.
(13) That this Application Form, together with all its contents may be submitted to:
a. BFL, its subsidiaries and affiliates of BFL, any service provider/third party/legal entity with whom
BFL may have business relationship and/or in reference to rendering services in connection with
the product(s) availed by me and/or for promoting/marketing various products and services.
b. to any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need basis.

C. Communication Terms
By clicking on "I Agree" below, I hereby expressly authorise BFL/ its representatives/agents/ its business
partners/its group companies/affiliates to send me communications regarding loans, insurance and other
products from BFL, its group companies and/or third parties (collectively "Other Products") through
telephone calls/SMSes/emails/post/bitly/bots/ in person communication etc. including but not limited to
promotional communications, irrespective of rejection of my Loan application.

I agree and understand that such Other Products if availed, are governed by their own set of terms and
conditions, which shall be in addition to and not in derogation to the terms and conditions prescribed by
BFL herein. I understand that I can at any time opt not to receive any telecommunication.

✔ I Agree I Disagree

Place: BANGALORE Date: 2024-06-06

SECTION 3
*OVD or Deemed OVD to be submitted towards current address

Documents acceptable under OVDs (Customer shall submit OVD updated with current address
within a period of three months of submitting deemed OVDs):

Aadhaar (First eight digits of Aadhaar no. to be redacted/ blackened), Valid Passport, Valid Driving
License, Voter ID, NREGA Job Card & Letter from National Population Register.

List of documents acceptable under Deemed OVD :

1. Utility Bill which is not more than two months old of any service provider (Electricity bill,
landline bill, post-paid mobile phone bill, piped gas bill, water bill)
2. Pension or family pension payment orders (PPOs) issued to retired employees by Government
Departments or Public Sector Undertakings, if they contain the address
3. Property or Municipal tax receipt
4. Letter of allotment of accommodation from employer issued by the below listed employers
(or) leave and license agreements with such employers allotting official accommodation :
o State Government or Central Government
Departments
o Statutory or Regulatory Bodies
o Public Sector Undertakings
o Scheduled Commercial Banks
o Financial Institutions
o Listed Companies

Credit Health Report (CHR)

Credit Health Report (CHR) assesses the credit standing of customer basis customer's credit
score, income and current financial commitments. It helps customers to understand their credit -
worthi-ness, borrowing power and savings potential.

Credit Health Report (CHR) Features and Benefits:

(1) Detailed assessment and evaluation of your credit worthiness, borrowing power and saving
potential
(2) Standard Do's and Don'ts of good credit behaviour
(3) Explaining the credit score for the customer and informing him about his performance across
various components of the score
(4) Assessment of credit behaviour, credit mix and credit health ratio
VIKASH KUMAR
9682552311
1989-05-15
2409:4055:388:301d:d500:8ca5:d9b5:7069
06 Jun 2024 at 11:11:33 IST

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 Annexure I: Fee and Charges

Processing Fee Penal Charge

Processing Fees of upto 3.93 % Delay in payment of instalment(s) shall

(Inclusive of applicable taxes) on entire loan
amount
Cash Collection handling Charges
attract penal charge of Rs. 12 per day
per instalment from the respective due
date until the date of receipt of the full
instalment(s) amount.

Rs. 177 (inclusive of applicable taxes) will be charged if PG Facility Charges

customer opts to make payment in cash when the
collection is done by the collection agents. This fee is Rs. 11 (Inclusive of Applicable taxes) will be charged
charged only once per month, regardless of the for utilizing the payment gateway to make part or full
number of payments made against multiple LANs payments towards the loan through digital properties

Full pre-payment (foreclosure) Charges Part Pre-payment Charges

Foreclosure can be processed post
clearance of first EMI
Term Loan: Upto 4.72%(Inclusive of
applicable taxes) on Principal Outstanding
amount as on the date of such full pre-
payment
Flexi Hybrid Loan: Upto 4.72% (Inclusive of
applicable taxes) on total withdrawable
amount (Total loan amount that you can
withdraw under Flexi Loan, from time to
time as per the repayment schedule) on the
date of levy of such charges.
Part pre-payment can be processed post
clearance of first Monthly Instalment for
Term Loans. However for Flexi Loan the
part prepayment can be processed post
disbursal of loan.
Term Loan: Upto 4.72% (Inclusive of
applicable taxes) on the principal
amount of loan prepaid on the date of
such part pre-payment
Flexi Hybrid Loan: Nil

Bounce Charges Broken Period Interest/Pre-EMI Interest

Rs.1200 per bounce
“Bounce charges” shall mean charges for
non-payment of instalment (s) on their
respective due dates due to dishonour of
payment mandate or non-registration of
the payment mandate or any other reason
‘Broken Period Interest/Pre EMI-Interest’ shall mean
the amount of interest on Loan for the number of
day(s) which is(are):
Scenario 1: Over and above the period of 30 (thirty)
days from the date of disbursement of the Loan
Method of recovery of Broken Period Interest/Pre-
EMI Interest:
For Term Loan: Added to first instalment amount
For Hybrid Flexi Loan: Added to first instalment
amount
Scenario 2: Less than period of 30 (thirty) days from
the date of disbursement of the Loan, Interest on first
instalment will be charged for actual number of days

Flexi Fee (If Availed):(Inclusive of applicable taxes)

Term Loan - Not applicable
Flexi Hybrid Loan (as applicable below)
• Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000
• Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999
• Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999
• Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999
• Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999
• Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999
• Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999
• Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999
• Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above

*Loan Amount includes approved loan amount, insurance premium and VAS charges

Stamp Duty (as per respective state) Annual Maintenance Charges

Payable as per state laws and deducted Term Loan: Nil

upfront from loan amount Flexi Hybrid Loan

Initial Tenure: Upto 0.295 % (Inclusive of

Cash Deposit Charges
Customers will incur a cash deposition charge
of Rs. 50 (Inclusive of applicable taxes) when
making cash payments at our branch offices
Download your e-statements/letters/certificates by logging into Customer
applicable taxes) of the Total Withdrawable
Amount (as per the repayment schedule) on the
date of levy of such charges during initial
tenure. Subsequent Tenure: Upto 0.295 %
(Inclusive of applicable taxes) of the Total
Withdrawable Amount (as per the repayment
schedule) on the date ofVIKASH
levy ofKUMAR
such charges
during subsequent tenure. 9682552311
1989-05-15
Portal
2409:4055:388:301d:d500:8ca5:d9b5:7069
06 Jun 2024 at 11:11:33 IST

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 I hereby provide my consent to apply for Finserv Protection Plan/Finserv Protection Plan
Lite/Markets Loan Shield Basic/Markets Loan Shield Pro/Markets Loan Shield Plus.

✔ I hereby confirm and accept the following: a) General Terms and conditions b) Communica-
tion Terms c) Detailed terms and Conditions accessed by me at Website.

✔ By clicking on “I Agree” below, I hereby apply for Loan from BFL and confirm that all the
particulars, information and details mentioned in this Application Form are true and correct.
Further, I acknowledge that Bajaj Finance Limited at its sole discretion may reject or approve
this application. I hereby acknowledge that I have not paid any amount or given anything in
kind to Bajaj Finance Limited by way of fees/commission apart from the charges that may be
indicated in the loan agreement/documentation. I further understand and agree that unless
otherwise specified by Bajaj Finance Limited in writing, all fees/charges paid by me to Bajaj
Finance Limited for availing the Loan shall be non-refundable, irrespective of cancellation.

✔ I hereby expressly consent for taking my photo to evidence the conduct of loan transaction
by me and I further hereby consent that such photo for storage and preservation of the same
for a period of at least five (5) years or otherwise from the date of closure of the loan and/or
as the law/regulations may so mandate, whichever is higher.

By checking with tick mark in the box, I hereby signify my consent for availing the afore-
VIKASH KUMAR
mentioned products/services. 9682552311
1989-05-15
2409:4055:388:301d:d500:8ca5:d9b5:7069
Note: Loan Application will be processed within 12 days from the date of receipt of all the
06 Jun 2024 at 11:11:33 IST

documents to the satisfaction of BFL

✔ I Agree I Disagree

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