InCred finance — ‘Akshay Dhananjay Phadnis, Dhananjay Kamalakar Phodis,Shraddha Satish Patki Flat No 612, Pankaj Apart, Hadapsat Gaon Pune, Pune, Mabarashira~ 411028, Subject Approval of Education Loan Dest Sit Madam, “Thank you for your application to InCred Financial Services Ltd. (formerly known as KR India Financial Services Limited) (UnCredi Lender IFSL) for an Edvetion Loan, ‘Based on details provided and representations made by you in your application (Application 1d: 115904), we ae pleased to inform ‘you of our n-prineple approval of an education loan onthe terms and conditions mentioned below: [Bor ower ‘Akshay Dhananjay Phadnis [Co-borowers Dhananjay Kamalakar Phadnis, Shradaba Sash Pak [Country oF Sted Treland Program Master ia Business Adminstration (MBA) Project Management [Universiyiasiate | Dublin Business School [Progam Stare Date | Sepiember 2004 ae TNR 16,69,247 (Rupees Sinteen Lakh Saly Nine Thousand Two Hundred Fory Seven equivaleat TO EUR 1876402 a current rate of | EUR = 88.6 INR) OR Cost Of Attendance (whichever is lower) TnCrod Reference Rate 15% (a applicable on current date) (minus) 2.3% (Spread) = 7 pa. JAnnual Rate of interest} floating rate payable at monthly ests, which shall be computed onthe basis of 360 days in a yea (., sctal number of day3/360) [Procesring Fs TNR 19,069 including Goods and Services Tex (OST) [Cotati Soeur ‘Not Applicable t INAH NACH & SPDGs fom Strada Satish Pak, HDFC Bank, India Account No... aaaa “The loan will be repaid ia 132 naallmens. The Tist24 installments willbe INRS,000 pet month and next 108 installments willbe INR 32216 per month. Kindly refrto de repayment schedule for details. Frequency of Repayment | Monibly [Exact Dae Dates for Repayment Details ‘Kinaly refer to the repayment schedule fr details fspymen os sn } vexorian Fins nonin of ma i reap eres Bien Sse | Kindy roteepnyrentchalle ral i Typeet ian ofinesat| Ftg ; a Diane! of isan wisps: Sts vn pra om leven ues 7 ‘Thank You, Ince eatin Looe oe INCRED FINANCIAL SERVICES LIMITED (Formerty known a8 KKR nes Financial Sences Limited) Registered & Corporate Office: Unit No. 1203, 12° floor B wing, The Capital, Plot No C-70. G Block, Bancra Kurla Complex, Mural, Maharashtra, India, 400051 CIN; UerI90M1995PLC36087 | Emall:careincredcom | Contact: 180-102-2192 | Website-wirwincred.com eee