Capital Trust Ltd. Niyogin Fintech Limited.

(CIN-L65923DL1985PLC195299) (CIN-L65910TN1988PLC131102)
205 Centrum Mall, Sultanpur, Neelkanth Corporate IT Park, 311/312,
MG Road, New Delhi-110030 3rd Floor, Kirol Road,Vidyavihar
(West), Mumbai – 400086

Loan Application Form

branch Baran Loan Amount 50000 date 03-05-2024

KYC ¨ Voter ID ¨ Passport þ Aadhaar ¨ other ¨
Repayment þ Monthly
RO Name :

Borrower Co-Borrower

Borrower Name : Bablu Bairwa Co-Borrower Name : Doli Bai Bairwa

Father's Name : Ramnarayan Husband or Father's Name : Bablu

Date Of Birth : 01-01-1983 No of Dependent : 0 Date Of Birth : 01-01-1987 Relation : Wife

Address of Home : Ramnarayan S/o Kalmanda, Ward N 5 Okalmanda Po Email :

Kalmanda,, Baran, Rajasthan - 325205

Mobile No. : 7740937013 Mobile No. : 7424931318

KYC : Aadhaar / Driving Licence / Voter ID / Other KYC : Aadhaar / Driving Licence / Voter ID / Other
Kyc No. : XXXXXX8700 Kyc No. : XXXXXX3474

Type of Business : Cow Rearing Business No Of Years : 0 Purpose Of Taking Loan : Working Capital

Ref1. Name : Dev Lal, Contact : 7624931318 Ref2. Name : priyanka , Contact : 9784958602

Income (in Rupees) Expenses (in Rupees) Annual Sales (in Rupees)

Self : 54000 Business Expense : 0 Below 5 crore (micro) þ

Spouse/Son : 0 Home Expense : 4000 5 to 75 crore (small) ¨

Others : 0 Loan Installment : 7040 75 to 250 crore (medium) ¨

Total Income : 54000 Total Expenses : 11040 Saving Amount : 42960
Declaration : I confirm that
1- My family income is more than 3 lakhs
2-I am aware that the Company will check my financial data from various credit bureaus and I have no objection to the same
3-I have submitted my and my co-borrower's KYC proof and bank account details for RTGS/NEFT transfer to my or my co-borrower's account
4-I understand that the loan can be assigned to any other company for which I have no objection
5- List of documents to be submitted Passport size photographs of borrowers, KYC documents, Bank statement/ passbook
6-Interest Rate Calculation: The interest rate is based on the following factors: Cost of funds, Operating cost and Risk premium
7-Insurance: available and optional
8-I / We, hereby submit voluntarily at my own discretion, the physical copy of self-attested Aadhaar card/physical e-Aadhaar / masked Aadhaar / offline
electronic Aadhaar xml as issued by UIDAI (Aadhaar), to KCPL & CTL, for the purpose of establishing my identity / address proof, to fulfil Company’s
KYC requirements
9-I/we further confirm that I/we have read the brochures and Application Form and understood its/their contents and the contents have been read out to me in
vernacular and I/we have understood the same
10-Required documents to be submitted with application form : Coloured Photograph, Adhaar Card, PAN Card/Election Voter ID, Bank
Statement/Passbook/Cancelled Cheque

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
 Capital Trust Ltd. Niyogin Fintech Limited.
(CIN-L65923DL1985PLC195299) (CIN-L65910TN1988PLC131102)
205 Centrum Mall, Sultanpur, Neelkanth Corporate IT Park, 311/312,
MG Road, New Delhi-110030 3rd Floor, Kirol Road,Vidyavihar
(West), Mumbai – 400086

Sanction Letter
Date: 04.05.2024,
Ref: LoanId: 1216330,
Bablu Bairwa,
ward n 5 okalmanda po kalmanda
Baran, Rajasthan, 325205, India

This letter is made in reference to your loan application dated 04.05.2024. Based on the information you provided in your loan application,
we are pleased to inform you of the approval of your loan based on the following terms and conditions:

Sr.No Parameter Details

(i) Loan Amount (amount disbursed/to be disbursed to the borrower) (in Rupees) 50000

(ii) Total interest charge during the entire tenure of the loan (in Rupees) 16600

(iii) Other up-front charges (break-up of each component to be given below) (in Rupees) 3055

(a) Processing fees (in Rupees) 1000

(b) Insurance Charges (in Rupees) 1875

(c) Credit assessment fees (in Rupees) 0

(iv) Net disbursed amount (i)-(iii) (in Rupees) 46945

(v) Total amount to be paid by the borrower (sum of (i), (ii) and (iii)) (in Rupees) 69655

(vi) Effective annualized interest rate (in Percentage) (Computed on net disbursed amount using 41.41%
IRR approach and reducing balance method)

(vii) Loan term (in Months) 18

(viii) Repayment frequency by the borrower Monthly

(ix) Number of instalment of repayment 18

(x) Amount of each instalment of repayment (in Rupees) 3700

Details about Contingent Charges

(xi) Foreclosure Charges 5%

(xii) Penal charges in case of delayed payments (if any) 5% Monthly

Other disclosures
(xiii) Cooling off/look-up period which borrower shall not be charged any penalty on prepayment 3 Days
of loan

(xiv) Details of LSP acting as recovery agent and authorized to approach the borrower No LSP Engaged

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
 (xv) Name, designation, address and phone number of nodal grievance redressal officer Tarsem Singh,
designated specifically to deal with FinTech/ digital lending related complaints/ issues Customer Support Manager,
Complaintredressal@capitaltr
ust.in,+91 8146592004

Detailed Repayment Schedule

Instalment No. Outstanding Principal Principal Interest Instalment

(in Rupees) (in Rupees) (in Rupees) (in Rupees)

1 50000 2095 1605 3700

2 47905 2163 1537 3700

3 45742 2232 1468 3700

4 43510 2304 1396 3700

5 41206 2378 1322 3700

6 38828 2454 1246 3700

7 36374 2533 1167 3700

8 33842 2614 1086 3700

9 31228 2698 1002 3700

10 28530 2784 916 3700

11 25745 2874 826 3700

12 22871 2966 734 3700

13 19905 3061 639 3700

14 16844 3159 541 3700

15 13685 3261 439 3700

16 10424 3365 335 3700

17 7058 3473 227 3700

18 3585 3585 115 3700

Other terms and condition

1. This sanction can be revoked and / or cancelled on the sole discretion of the company.
2. Capital Trust offers different interest rate based on loan amount, profile of client, cost of fund, risk premium, tenor, down payment,
payment history with Capital Trust, credit score provided by credit information companies, borrower's age, income, type of documents
provided by the applicant and any other information as may be required for the purpose of credit evaluation.
3. This loan is being given to you based on your confirmation that your Annual Household Income (comprising of yourself, your spouse
and any unmarried children) is in excess of Rs. 3,00,000.
4. You understand and acknowledge that this loan has been granted with clear understanding that you hereby waive all rights including
without limitation, immunity in respect of any repayment of loan by way of injunction or moratorium available to the you in the capacity of
borrower.
5. You understand and acknowledge that the language of this Sanction letter is known to you and that you have read and understood the
features of the loan product and the terms and conditions mentioned herein and contained in any other loan documents and shall abide by
them including any amendment thereto, with free will and volition.
6. You understand and acknowledge the cost and charges associated with the loan and that once the disbursement is made in your bank
account, your loan cannot be withdrawn and reverted except for the Cooling Off/look-up period.
7. Please refer “Terms and Conditions for obtaining loans from Capital Trust Limited” applicable to this loan, provided to you separately.
8. At any point of time if you want to close the loan you have to pay all the pending EMIs and delay payment charges if any and then the
loan can be closed.
9. In case of any query / complaint you can click on the ‘Call Button’ available in the Loan App or send an email on care@capitaltrust.in In case you are not
satisfied you may approach the Grievance Redressal Officer as per Grievance redressal policy available as mentioned below.
10.Grievance Redressal Policy- In case of any grievance you can email your complaint to Tarsem Singh, Nodal Officer, at
Digitally Signed by: Digitally Signed by:
Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
Complaintredressal@capitaltrust.in, or call him on +91 8146592004 from 9am to 6pm on working days or write to us at Capital Trust Limited,
205 Centrum Mall, Sultanpur, MG Road, New Delhi 110030. If the complaint / dispute is not redressed within a period of one month, you
may appeal to the Officer-in-Charge of the Regional Office of DNBS of RBI, to Non-Banking Finance Division, Reserve Bank of India, 6,
Sansad Marg, New Delhi – 110001 or send an email on dnbsnewdelhi@rbi.org.in

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
 Business Loan Agreement
This 'Loan Agreement' (“Agreement”) is made at Delhi on the date mentioned in the Schedule under the head “Date of execution” between
NIYOGIN FINTECH LIMITED, a company incorporated under the Companies Act, 1956 and having its Registered Office at MIG 944,
Ground Floor, TNHB Colony, 1st Main Road, Velachery Chennai, Tamil Nadu - 600042, India (hereinafter called the 'Lender 1', which
expression shall mean and include its successors and permitted assigns) and CAPITAL TRUST LIMITED, a company incorporated under
the Companies Act, 1956 and having its Registered Office at 205 Centrum Mall, Sultanpur, MG Road, New Delhi 110030 (hereinafter
called the 'Lender 2', which expression shall mean and include its successors and permitted assigns) and the Persons identified in the
Schedule under the head “Name and address of Obligors” as the Borrower and Co-Borrower_Lender 1 and Lender 2 shall be collectively
called “Lenders”, collectively and “Lender”, individually hereinafter. The Borrower and the Co-Borrower shall be called “Obligors”
hereinafter. Lender 1, Lender 2, the Borrower and the Co-Borrower shall be hereinafter referred to as “Parties”, collectively and “Party”,
individually.-
IT IS HEREBY AGREED BETWEEN THE PARTIES HERETO AND THIS AGREEMENT WITNESS AS FOLLOWS:
1. The Lenders have agreed to lend a sum of (“Loan”), mentioned in the Schedule under the head “Amount of the Loan” to the Borrower
on acceptance of the terms and conditions by the Obligors of the Sanction Letter and those that are contained herein. It is hereby clarified
that the Lender 1 has agreed to lend 90% of the aforementioned Loan and the Lender 2 has agreed to lend 10% of the Loan.
2. The Borrower shall pay or cause to be paid to the Lenders in New Delhi a sum , mentioned in the Schedule under the head “Repayment
Amount”, which includes interest payable in installments. , as enumerated in the “Detailed Repayment Schedule” annexed to the Sanction
Letter. The Borrower hereby confirms that he will pay or cause to be paid such installments timely and regularly through Cheque/NACH,
without Lenders being required to make any demand in this regard .
3. The Borrower agrees to pay all costs, expenses and charges, mentioned in the Sanction Letter.
4.The Parties agree that the disbursement by the Lenders of the proceeds of the Loan or any part thereof shall be deemed to constitute
acceptance of terms hereof by the Lenders.
5. The Borrower confirms that he shall pay the installments in time notwithstanding any loss in business of the Obligors, theft or any other
calamity that may affect the Obligors-during the tenure of the Loan.
6. The Borrower is obliged to pay stamp duty as may be applicable to this Agreement and undertakes to pay or reimburse to Lenders all
such stamp duty as applicable under the respective State Laws.
7. The Borrower agrees, undertakes, warrants and represents to Lenders that the Loan shall be utilized only for the business requirement of
the Borrower and shall not be used for any other purpose including making investment in the capital market or for any speculative
purposes, unlawful purposes and/or antisocial purpose. Lenders shall have the right to recall the Loan if the funds are used for any other
purpose other than declared and/or for speculative, unlawful and/or antisocial purposes.
8. The Borrower expressly recognizes and accepts that the Lenders, shall, without reference to or intimation to the Borrower be absolutely
entitled and has full power and authority, to sell, securitise and /or assign this Agreement and/or any rights and/or any liabilities hereunder
to any third partyies, whether in whole or in part. Any such sale, securitisation or assignment shall bind the Obligors and the Obligors agree
to be bound by such sale, securitisation or assignment.
9. In case the Borrower fails to pay any amount outstanding hereunder when it becomes due and payable, the Lenders haves right to seek
legal action against the Borrower permissible under law to recover dues.
10. The Borrower agrees that in case of any default in (re)payment of the Loan, fraud committed by the Obligors, legals incompetence of
any of the Obligors during the currency of the Loan, non-compliance by the Obligors of agreed terms and conditions, non-submission of
required papers by Obligors or any other irregularities by the Obligors will enable the Lenders to recall the Loan along with, interest
thereon, delayed payment charges, foreclosure charges and other incidental charges payable under this Agreement.
11. Any default by the Borrower(s) in discharging its liability under any other Agreement with the Lenders shall be deemed to be a default
under this Agreement and vice versa and each Lender shall be entitled to exercise any or all rights under this Agreement.
12. Borrower confirms that the disbursement may be made in either of the Borrower or the Co-Borrowers Bank account.
13. Any and all disputes, differences and /or claims arising out of or in connection with this Agreement or its performance shall be settled
by Arbitration to be held in Delhi, inaccordance with the provisions of the Arbitration and Conciliation Act, 1996, or any statutory
amendments there of and shall be referred to the sole arbitrator as may be appointed by the Lenders. The reference to the Arbitrators shall
be within the clauses, terms and conditions of this Agreement. The Arbitrator shall be competent to decide whether any matter of dispute or
difference referred to him falls within the purview of Arbitration as provided for above / or any matter relating to the Arbitration under the
Arbitration and Conciliation Act, 1996. The award given by the Arbitrator shall be final and binding on all the parties concerned.
14. The Borrower and the Co-Borrower agree to the appointment of a sole arbitrator by the Lenders only and confirm that they do not have

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
any objection to such appointment.
15. The Borrower agrees that the Borrower will make payment through NEFT/electronic fund transfer/cheques. In case the payment is
unsuccessful, the Lenders have the right to take legal action against the Borrower as per applicable laws. The bank charges for bouncing
the payment and the legal expenses shall be borne by the Borrower.
16. This Loan has been granted to the borrower based on the Borrowers declaration that their annual household income is more than 3
Lakhs.
17. The Borrower confirms that he has opted for insurance cover for the loan for which he has paid a premium , mentioned in the Sanction
Letter as “Insurance premium” . In the case of unfortunate incident of death of Borrower or Co-borrower during the course of the tenure of
the loan, the outstanding amount of the loan will be adjusted from Insurance claim and any extra claim received from the insurance
company will be paid to the nominee of the borrower.
18. The Borrower confirms that he has received the hard copy of the agreement and other documents and also received the knowledge
about the mobile app Capital Connect.
19. The Borrower hereby agrees and confirms that Courts/Tribunals in New Delhi alone shall have jurisdiction to entertain any suit or
other legal proceedings arising out of this Loan Agreement.
20. Lenders shall inform Borrower about change in norms of disbursement,, Rate of Interest, Service charges, Foreclosure charges etc in
the language known to borrower. These changes would be applicable from prospective effect only.
21. I / We hereby authorise that the Lenders can collect, authenticate, track location, verify and confirm Data, documents and details as
may be required by the Lenders. I / we hereby authorize the Lenders to collect and store the data through the mobile application. Data shall
include personal information including but not limited to name, e-mail address, gender, date of birth, mobile number, passwords,
photograph, mobile phone information including contact numbers, SMS and browsing history, data and login-in credentials of Third Party
Platforms, financial information such as bank documents, salary slips, bank statements, PAN card, bank account no., data from Credit
lnformation Companies, data required for Know Your Customer compliances, requirement and other relevant details ("Personal
Information"). Further, the Obligors authorize each Lender to share the Data with the other Lender for
furthering transactions contemplated hereby.
I / we understand and acknowledge that each Lender reserves the right to track our location ("Track") during the provision of loan tenure,
and also in the event that I /we stop, cease, discontinue to use the Mobile App, through deletion or uninstallation of Mobile App or
otherwise, till the event that my our obligations to pay the outstanding amount(s) to the Lenders exist. Deletion, uninstallation,
discontinuation of our Mobile App, shall not release me / us from the responsibility, obligation and liability to repay the outstanding
amount(s).
22. The Lender 2 has a Mobile App for the use of its borrowers for viewing loan passbook, tracking repayments, online payment, applying
for a fresh loan, etc. At the time of the filling in the application form, home visit and physical verification the Borrower has given various
references of persons to cross check the validity of his statements in order to access the genuineness of the business and assessment of
income levels. The Borrower has also given specific permissions to view and download all such information/ data in order to take a
judgment in approving the loan and to contact the references and contacts in case the Borrower becomes untraceable from its given known
address or defaults in its payments

E-Sign authorization:
I / we hereby authorize NSDL/CDSL/OTHERS on behalf of Lenders to:
23. Use my/our Aadhaar details for all transactions and authenticate my/our identity through the Aadhaar Authentication system (Aadhaar
based e-KYC services of UIDAI) in accordance with the provisions of the Aadhaar (Targeted Delivery of Financial and other Subsidies,
Benefits and Services) Act, 2016 and the allied rules and regulations notified thereunder and for no other purpose. Authenticate my/our
Aadhaar through OTP or Biometric for authenticating my/our identity through the Aadhaar Authentication system for obtaining my/our e-
KYC through Aadhaar based e-KYC services of UIDAI and use my/our Photo and Demographic details (Name, Gender, Date of Birth and
Address) for signing all documents related to transactions as per this Agreement. I/we understands that Security and confidentiality of
personal identity data provided, for the purpose of Aadhaar based authentication is ensured by NSDL/CDSL/OTHERS and the data will be
stored by NSDL/CDSL/OTHERS till such time as mentioned in guidelines from UIDAI from time to time.
In case of any query or problem related to your loan you can contact Branch Head of the Lender 2 the Schedule, on the mobile number
mentioned in the Schedule
24. In case of any grievance you can use send your complaint by using following mode of communication from 9 am to 6 pm from
Monday to Saturday.
Phone No. +91 9999074312

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
Email : info@capitaltrust.in
You can write to us on following address:
Lender 1:- Niyogin Fintech Limited, Neelkanth Corporate IT Park, 311/312, 3rd Floor, Kirol Road, Vidyavihar (West), Mumbai – 400 086,
Maharashtra, India
Lender 2:- Capital Trust Limited, 205 Centrum Mall, Sultanpur, MG Road, New Delhi 110030
If the complaint / dispute is not redressed within agreed period or if customer is not satisfied, the customer can contact Grievance Redressal
Officer. His details are as below:
Sh. Nitesh Verma
Phone No. +91 9716844571
Email : nitesh.verma@capitaltrust.in
If the complaint / dispute is not redressed within a period of one month, the customer may appeal to the Officer-in-Charge of the Regional
Office of DNBS of RBI, under whose jurisdiction the registered office of the Lenders fall.
DNBS details are as
follows:
Lender 1 Lender 2
3rd Floor, RBI Building, 6, Sansad Marg,
Opp. Mumbai Central Railway Station, Near Maratha New Delhi-110001
Mandir,
Byculla, Mumbai – 400 008
24. It is hereby clarified that the Co-Borrower shall be liable for all the obligations of the Borrower, in the same way and to the same
extent as the Borrower. Furthermore, the Lenders shall be entitled to exercise against the Co-Borrower, all the rights they have against the
Borrower hereunder.
SCHEDULE
S.No. Heads Particulars

1. Date of execution 04.05.2024

2. Name and address of the Obligors Borrower’s name Bablu Bairwa

Borrower’s Address S/o Ramnarayan, Kalmanda, Ward N. 5, Okalmanda,

Po: Kalmanda, Dist: Baran, Rajasthan - 325205 Doli
Co-Borrower’s name Bai Bairwa

Co-Borrower’s Address Ablu, Kalmanda, Ward N. 5, Kalmanda, Kalmanda,

Baran, Rajasthan, 325205

3. Amount of the Loan (in Rupees) 50000

4. Repayment Amount (in Rupees) 66600

5. Branch Head Name null

Mobile Number null

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462
 FORM DEMAND PROMISSORY NOTE
For value received, we, the undersigned, jointly and severally, promise to pay, immediately upon demand, to collectively,
Niyogin Fintech Limited, a company within the meaning of Companies Act, 2013 and having its registered office at MIG 944, Ground
Floor, TNHB Colony, 1st Main Road, Velachery, Chennai, Tamil Nadu - 600042, India and holding CIN:- L65910TN1988PLC131102 and
Capital Trust Limited, a company within the meaning of Companies Act, 2013 and having its Registered Office at 205, Centrum Mall,
Sultanpur, MG Road, New Delhi 110030 and holding CIN:- L65923DL1985PLC195299 (hereinafter collectively referred to as “the
Lenders”) or to the order of the Lenders, a sum of INR 50000/-

SIGNATORIES: -

1. Bablu Bairwa

2. Doli Bai Bairwa

Digitally Signed by: Digitally Signed by:

Name: Bablu Bairwa Name: Doli Bai Bairwa
(Borrower) (Co Borrower)
Location: Baran Location: Baran
Reason: Capital Trust Ltd. loan documentation Reason: Capital Trust Ltd. loan documentation
Date: 04-05-2024 Date: 04-05-2024
Device Id: 4c49b55b46401fce Device Id: 4c49b55b46401fce
Latitude: 25.0939607 Latitude: 25.0939607
Longitude: 76.5029462 Longitude: 76.5029462