BAJAJ FINANCE LIMITED

Date- 23/06/2022 Application Form No - A68507675

Time- 01:26:05 PM

LOAN TERM SHEET

By clicking on the “I Agree” button and/or by entering the one-time password (OTP), sent by BFL and/or by
providing physical signature on this Loan Term Sheet, I accept the loan facility from BFL. I hereby confirm
that I (i) am at least 18 years of age, (ii) can understand, read and access the world wide web / internet in
English language, (iii) have read, understood and agree to be bound by Loan Term Sheet, Fee and charges,
the Loan Terms and Conditions, Value Added/Cross-sell product Terms and Conditions.

Further, I agree that my action of (i) submission of the OTP sent by BFL or (ii) providing physical signature
on this Loan Term Sheet, constitutes a valid acceptance of the terms and conditions and same shall have
binding upon effect on me.

Personal Details

Customer Name : MD RIJWAN ANSARI

Customer Address : S/O-MD IBRAHIM MIYA WARD NO-10

SALAIYA BOJHAIT JAMUI
Customer Mobile Number : 9661073403

Customer Email ID :

Loan Term Sheet and Fee for GL-D241ASCD - LG-REF Rs24299 (Product 1)

Opportunity ID : B146689431

Purpose of Loan : Purchase of Consumer Durable Product

Product/Service Price 20500

Loan Amount 20500
: Customer will be charged upfront interest (as
applicable). As a part of our tie-up, the
Annualised Rate of Interest for New Product Loan: manufacturer/Dealer/insurance partner shall pay us
% (p.a.) the interest subsidy directly. Our effective Internal
Rate of Return (IRR) shall range from 23-27 % on an
annualized basis.
Loan Tenure (Months) 8
: URBAN FURNISHING#JAMUI#BPES CD#34661
Dealer Name (Dealer Code)
(682954)

EMI Details

EMI Amount for Product Loan : 1709.00

EMI for Loan : 0.0

EMI for Loan : 0.00

EMI for Loan : 0.00

Total EMI Amount : 0.0

:02/08/2022 This EMI Date may vary and actual
Indicative EMI Start Date date will be communicated through SMS and
welcome letter, once the loan is booked

Fees and charges to be collected along with 1st EMI

Convenience Fee : 117.00

CIBIL Report/CTR Fee :

Down Payment To be Made

Processing Fee(Inclusive of applicable taxes) : 0.00

Mandate Registration Fee(Inclusive of applicable

0
taxes)

Health EMI Network Card Fees(Inclusive of

applicable taxes) : 0.00 + 0.00

Add on EMI Network card fee(Inclusive of :0

applicable taxes)

EMI Network Card Fees(Inclusive of applicable : 0.0

taxes)

Cash Repayment Charges (Inclusive of applicable

: 0.00
taxes)

Total : 7367.00

Details of Down Payment Made

Amount paid through Dealer Reward Points : 0.00

Redemption(P)

Amount paid through BFL Reward Points :0

Redemption(Q)

Amount paid through RBL Bank Points Reward :0

Redemption(R)

Amount paid through any other mode(S) :

Total (P+Q+R+S) :0

Banking Details

Account Number : 35736035585

Bank Name : STATE BANK OF INDIA

MICR Code : 811002505

IFSC Code : SBIN0008480

Fee and Charges applicable for the present loan(s) or future loan(s) availed using Bajaj Finserv
EMI Network Card and Health EMI Network Card

: Rs. 450/- (Rupees Four Hundred Fifty Only) including taxes

NACH/Cheque Bounce Charges
Mandate Rejection Charges
Cash Repayment Charges
DOCUMENT/STATEMENT
CHARGES Statement of Account/
Repayment, Schedule/Foreclosure
Letter/No Dues Certificate/Interest
Certificate/List of documents.
Penal interest
Pre-payment/Foreclosure Charges
levies in case of default due to the repayment instrument(s) being
dishonoured
: Rs. 450/- inclusive of applicable taxes. Will be applicable if new
mandate form is not registered within 30 days from the date of
rejection of previous mandate form by Customers Bank for any
reasons whatsoever.
: Cash Repayment Charges of Rs. 499/- (Inclusive of applicable
taxes) are applicable for repayment of EMI dues in Cash at BFL
Branches
: Download your e-statements/letters/certificates at no extra cost by
logging into Customer Portal Experia You can get a physical copy
of your statements/letters/certificates/List of Documents from any
of our branches at a charge of Rs. 50/- Inclusive of taxes per
statement/letter/certificate.
: In case of delay in payment of Monthly Instalment, the Lender
shall charge penal interest at the rate of 4% per month on the
amount of Monthly Instalment / EMI outstanding from the date of
default until the receipt of money.
: NIL

*Additional cess will be applicable on all charges as per respective state laws in state of Kerala or
such other state (as may be applicable)

Most Important Terms and conditions of Loan (MITC)

I hereby agree, acknowledge and agree as under:

1) The Loan is granted for buying products/value added services/extended warranty/insurance or any
other general purpose except for any speculative activities (Product(s)).The amount will be disbursed to
company/entity who is providing the products/services for which the loan is being availed to buy such
products/services.

2) BFL may at its sole and absolute discretion, without assigning any reasons, accept or reject the Loan
request.

3) The loan availed shall be governed by Master Terms and Conditions, prescribed by Bajaj Finance
Limited (BFL) and available on website: https://www.bajajfinserv.in/master-terms-and-conditions.pdf (
Master Terms)

4) I authorize BFL to procure my CIBIL report, share it with me and recover from me Rs. 36 (including
applicable taxes) for it.
5) All the particulars, information and details provided by me for availing the loan is be true, correct and
up to date in all respect and I shall keep the BFL immediately updated of any change in the information
provided. BFL is entitled to verify this directly or through any third-party agent.

6) I authorizes BFL to use my existing KYC details and I acknowledge that in case of any changes in
registered KYC, same needs to be updated to BFL.

7) You shall repay the loan repaid in Equated Monthly Installments (EMI) on or before due date till
discharge of the entire loan amount with interest and charges as specified herein by BFL with respect to
Loan and as more specifically detailed above which are also available on
https://www.bajajfinserv.in/all-fees-and-charges. The fee and/or charges and Terms and Conditions are
subject to changes at sole discretion of BFL, however such changes shall be made applicable
prospectively..

8) If the EMI due date in respect of any amounts payable in respect of the loan falls on a day which is not
a Business Day, the immediately preceding Business Day shall be the EMI due date for such payment.

9) The company will earn interest/commission from manufacture/dealer/third party service provider, on
the Product(s) availed by the customer which enables the company to offer interest free loan to such
customer for purchase/payment of Product(s). The upfront interest/additional upfront interest paid by the
manufacturer/dealer/third party service provider, is not refundable. In case the tenor of said loan is
extended for whatever reasons including due to my request for resolution plan, I shall pay the interest at
the rate of 24% per annum on the revised equated monthly instalments due and payable by me, as may be
communicated by BFL.

10) In case of cancelation and surrender of insurance policy/value added services/extended warranty
and/or on death of the customer, BFL shall have the right to appropriate insurance claim paid thereunder
or pursuant to cancellation or the surrender value of the insurance policy/value added services/extended
warranty towards the Outstanding Dues of any loan(s) availed from BFL. If there is any surplus leftover,
it shall be paid to the Customer. If there is any deficit, then the Customer shall be liable to pay entire
deficit forthwith.

11) The NACH mandate given by Customer in favour of BFL can be used to recover all Outstanding
Amount including fees, penalties, cost and other applicable charges in connection with any Loan availed
by the Customer from BFL. Customer shall forthwith issue fresh Cheque or NACH or Electronic
Payment Instructions to BFL, if there is any revision in the repayment schedule/ EMI by BFL.

12) This single Charge Slip would apply for different Product(s)/services availed by Customer on a
single day by making a clear mention about the varying details of loan vis--vis each Product(s)/services
availed by Customer. Since the loan amount, interest rate and other charges/expenses could vary for each
product/service availed by Customer, as also, it would be convenient for the Customer to easily identify
the applicable EMI for each product/service availed by him/her, separate loan account numbers and
separate Statement of Account for each Product(s)/services will be issued for administrative
convenience, and the same are convenient accessible by the Customer on the dedicated experia portal
and/or through the Application of Bajaj Finance Limited.

13) In the event of default on any one of the loan(s) detailed in this Charge Slip, BFL reserves the right to
recall the other loan(s).

14) The EMI of the loan availed can be clubbed with EMI of other loan availed by customer from BFL or
the same can be debited from customers account separately.
 15) That in case of occurrence of default by reason of dishonor of Cheque or NACH or Electronic
Payment Instructions provided, Customer shall be liable to pay to BFL the bounce charges ("Bounce
Charges") as mentioned above, for each dishonour event occurrence.

16) In the event of any default in repayment of the Outstanding Amount, Customer shall be liable to pay
penal interest ("Penal Interest") at the rate/or amount as stated above, from the date of default till the
date of realization by BFL without prejudice to any other rights of BFL under these terms and condition.

17) BFL shall be authorized (a) to disclose, exchange, share or part with all information from time to
time relating to loan to credit bureaus/credit reference agencies, its group companies, financial
institutions, Credit Information Companies (CIC), Central KYC Registry (CERSAI) or any authorized
third-party agency as BFL may deem necessary or appropriate for use or processing of the said
information and shall not hold BFL or any of its group companies or its/ their agents/representatives)
liable for use/sharing of the information as stated above, (b)to seek/obtain any other information, relating
to customer, from any third party, (c)To procure/avail CIBIL report and provide it to customer by
deducting applicable charges for the same and (d) share the all information to any Regulator, Court, Law
enforcement agency, Quasi-Judicial authority etc. on a need to need basis.

18) BFL and its group companies, affiliates and/or business associates and their respective
representatives are authorized to send communications regarding loans, insurance and third-party
products and services, availed by customer, through telephone calls/SMSs/emails/post/WhatsApp etc.
including but not limited to promotional communications.

19) BFL is not an issuer/provider of the Product(s) purchased/services availed by the Customer on the
loan availed from BFL. Accordingly, BFL shall not be responsible for the quality or any assurances
and/or representations made in relation to such products/services provided by third parties. BFL shall not
be liable for any delay in delivery or no-delivery of product and/or with respect to the quantity, quality,
conditions, fitness, suitability or otherwise whatsoever of the product.

20) I understand and acknowledge that, upon availing moratorium from BFL, the benefits of third party
products namely Digital Fone Safe (DFS)/ScreenProtect/Mobile Protect, whichever product availed by
me, shall cease to be of effect, until the loan dues pertaining to the moratorium period are paid by me to
BFL.

21) Customer 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.

Bajaj Finserv EMI Network Card/Health EMI Network Card

Name to be Displayed : MD ANSARI

Email ID :

Mobile Number :

Date of Birth : 1/1/1994

Fees and Charges

EMI Network Card Fee 965

Health EMI Network Card Fees(Inclusive of : 0.00 + 0.00

applicable taxes)
: Rs. 117 (inclusive of applicable taxes) Annual fee
will only be charged to the EMI Network card/Health
EMI Network Card holders who have not availed any
loan using the EMI Network card/Health EMI
Network Card in the preceding year. The duration of
the preceding year is calculated 12 months from last
EMI Network Card/Health EMI network Card
year’s validity month, which is printed on the face of
Annual Fee
your EMI Network card/Health EMI Network Card.
For example, If the EMI Network card/Health EMI
Network Card is issued in the month of February
2019 (referred to as ‘Member Since’, on the EMI
Network card/Health EMI Network Card) the date for
payment of the annual fee will be March, 2020.
: Rs. 117/- (Inclusive of applicable taxes) for
temporary increase in EMI card limit for the loan
Loan Enhancement Fee transaction. Same will be charged only for increase in
limit in excess of Rs. 999/- to be collected along with
01st instalment.

EMI NETWORK CARD HEALTH EMI NETWORK CARD: TERMS AND CONDITIONS

(A) CUSTOMER’S REPRESENTATIONS

I hereby state, confirm and agree as under:

1) That I have apply for Bajaj-Finserv Existing Member Identification Number (“EMI Network Card /
INSTA EMI CARD”), from Bajaj Finance Limited (“BFL”).

2) That I hereby unconditionally acknowledge and accept that:

a. the EMI Network Card may be issued by BFL either in physical or electronic form.

b. I shall make payment of the applicable fee and/or charges, as specified herein by BFL with respect to
EMI Network Card and as more specifically detailed under Annexure I, below or such other
fees/charges as provided on https://www.bajajfinserv.in/all-fees-and-charges-new#iec.

c. I hereby agree to pay the Joining Fee as detailed under Annexure I below to BFL, for availing the
EMI Network Card, however in case I wish to avail the “pay at store” option for payment of Joining
Fee or such other fee as detailed under Annexure I, than same shall added to the first Monthly
Installment or first down payment of the loan availed through EMI Network Card.
 d. I understand that my application shall be rejected by BFL, if all the documents as required by BFL
are not furnished (in such form and manner acceptable to BFL), within the aforementioned timeline.

e. I understand that the aforesaid fee and/or charges are subject to changes and are non-refundable and
non-transferable.

f. That I have read and understood the Master Terms and Conditions applicable to Loans for Consumer
Durable, Digital, Life style products and EMI Network Cards (“Master Terms”) prescribed by BFL and
available on website: https://www.bajajfinserv.in/consumer-durables_master_t-and-c_english.pdf and
understand the applicability of the same for issuance and usage of EMI Network Card and hereby agree
to be bound by the same at all times including any additions/amendments thereto from time to time. I
agree to keep myself updated of any revisions in the Master Terms as may be communicated by BFL
through any Acceptable Means of Communication (as defined in the Master Terms).

g. I shall keep my credentials including the login id and password/PIN issued by BFL and/or reset by
me (“Credential”) as confidential and not to share the same with any person/third party. Any use or
misuse of the credentials including the transactions carried out using the credentials shall be my sole
responsibility and BFL shall not be held responsible for any loss/damage incurred on account of such
use or misuse.

h. I hereby expressly consent for paying a Loan Enhancement Fee, in case where BFL allows to
approve the Loan transaction amount over and above my EMI Card loan limit, as per its internal
risk/credit policies and at its sole and absolute discretion. It is hereby clarified that payment of such fee
would not enhance my overall EMI card loan limit. Further I agree that payment of such fee would be
added to the first emi/monthly installment of my Loan transaction

(B) EMI NETWORK CARD TERMS

1) EMI Network Card is neither a credit card nor a stored value card, etc. and is used only for
authentication of Customer’s identity while providing the Loan.

2) All EMI Network Cardholders, who have not availed loan using the EMI Network Card in the
preceding year, will be charged an Annual Fee, as detailed in Annexure I below. Preceding year will be
calculated starting the issuance month mentioned on the EMI Network Card. In case the Customer uses
the EMI Network Card for availing the Loan within the stipulated time period as prescribed by BFL, then
the Annual Fee levied shall be refunded.

For example: If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member
Since’, on the EMI Network Card) the date for payment of the annual fee will be February 2020.

3) For each valid transaction initiated and approved by the BFL on the EMI Network Card, a new Loan
account will be created by BFL, provided that BFL may at its sole discretion reject such transaction
initiated through the EMI Network Card. Further BFL may require additional documentation from the
Customer for approving the said loan transaction.

4) BFL may at any time, at its sole discretion and without assigning any reason, decide to withdraw the
EMI Network Card service and/ or terminate any specific EMI Network Card and will have no liability
to the EMI Network Card-holder or any other person in this regard.

5) BFL is not an issuer/provider of the products purchased/services availed by the Customer through the
EMI Network Card. Accordingly, BFL shall not be responsible for the quality or any assurances and/or
representations made in relation to such products/services provided by third parties. BFL shall not be
 liable for any delay in delivery or no-delivery of product and/or with respect to the quantity, quality,
conditions, fitness, suitability or otherwise whatsoever of the product.

6) The NACH mandate given by Customer in favour of BFL can be used to recover all Outstanding
amount including fees, penalties, cost and other applicable charges in connection with any Loan availed
by the Customer from BFL. The NACH mandate or any other electronic mandate given or to be given in
favour of BFL by the Customer holding the primary EMI Network Card, shall also cover all
Outstandings in relation to the Add-on EMI Card linked to such Customer’s EMI Card.

7) The Customer shall observe and perform all the obligations as provided herein and as provided under
the Master Terms. The EMI Customer holding the primary EMI Network Card shall observe and perform
all obligations under the Master Terms in relation to the Loan(s) availed using the Add-on EMI Card
linked to the primary EMI Network Card including but not limited to the terms governing repayment.

8) The Customer hereby agrees and acknowledges to perform his/her first transaction through the EMI
Network Card at physical partner store of BFL (i.e BFL empanaled merchants and dealers
https://bit.ly/34K4bc8)

9) Terms used but not defined herein shall have the meaning ascribed to them in the Master Terms

10) In the event of an unauthorized access to or use of an EMI Network Card, EMI Network Cardholder
shall immediately inform BFL and call/write to BFL’s Customer Care on 8698010101 and request for
blocking the earlier EMI Network Card.

11) BFL Customer Care Contact details:

• For any queries, visit our website https://www.bajajfinserv.in/reach-us. Select the Email Us tab and
follow the directions to get your query resolved.

• EMI Network Cardholders may also call BFL Customer Care for any grievances/queries related to
EMI Network Card at 8698010101. This is not a toll-free number and normal call charges will be
applicable

(C) EMI NETWORK CARD USAGE

1) The usage of the EMI Network Card is subject to the terms and conditions mentioned in this
application and Master Terms accessible on
https://www.bajajfinserv.in/consumer-durables_master_t-and-c_english.pdf as may be amended by BFL
from time to time.

2) The usage of the EMI Network Card would be construed as the deemed acceptance of the Master
Terms controlling the EMI Network Card.

3) By using the EMI Network Card, the customer may engage in the following transactions:

a) use it for identification/authentication for availing finance facility from BFL.

b) To avail loan for purchasing a Consumer Durable (CD) (LED, refrigerator, AC, smartphones, laptops
etc.), Lifestyle (LSF) (furniture, life care elective procedures, educational services etc.) or Retail
(apparel, footwear, small appliances, travel, coaching classes, hotels, flights, eyewear, accessories etc.)
product, from outlets/stores owned and operated by Dealers and POS – Online and Offline, and such
other products as may be authorized by BFL from time to time. (“Products”) from the Dealers
 empaneled with BFL on equated monthly instalments from BFL where EMI Network Card is available
and authorized;

c) enquire about the available loan amount for CD, LSF or Retail purchase; and/or enquire about
personal loan eligibility and/or apply for the same at BFL’s call center, branch or online customer
portal;

4) EMI Network Card shall not be used for any unlawful / unauthorized purpose.

5) By providing/entering the EMI Network Card number or by providing the registered mobile number
of the cardholder (as per BFL’s records) at Merchant Counter or BFL’s branches or online platform, the
issuance date and the name of the cardholder; where the Customer is required to show one photo
identification card or enter his/her PIN or Transaction Code. Once the Customer identity is authenticated,
the EMI Network Cardholder will receive an SMS providing the commercial terms of the proposed Loan
being offered (“Transaction SMS”) and containing a specific numeric code (the “Transaction Code”).

6) As a token of acceptance to the terms and conditions provided in the Transaction SMS, the customer
shall convey his/her acceptance by entering the PIN or Transaction Code or OTP at the counter or BFL
branch or OTP at the online platform, as the case may be.

7) BFL would charge convenience/processing fees at its sole discretion on the Loan availed by customer
using EMI Network Card, same would be communicated to the Customer through the Transaction SMS
and shall be binding on the customer.

8) Notwithstanding anything contained in these terms, this application and payment of Instant Activation
Fee by the Customer:

i) EMI Network Card cannot be used for purchase on eCommerce platforms and of retail (apparel,
footwear, small appliances, travel, coaching classes, hotels, eyewear, accessories etc.) products, until
successful registration of the NACH mandate for the loan availed by the Customer as per this
Application Form, and

ii) BFL may at its sole, absolute discretion and on the basis of its internal policies (including but not
limited to risk policies) reject any transaction/authorization initiated through EMI Network Card by the
Customer

Digitally Signed by : MD RIJWAN ANSARI

Location : BIHAR

Date : Thu Jun 23 07:50:07 GMT 2022

Deal ID : B146689431

IP Address of customer : 2409:4064:4e86:c223::1d08:6604

Customer Mobile Number : 9661073403

Email ID if available (Optional) :

 OTP Validated On : Thu Jun 23 07:50:07 GMT 2022

Selected preferred language : HINDI

 BAJAJ FINANCE LIMITED
Vernacular Declaration Form

I/W e co n firm th a t th e co n te n t o f th is A p p lica tio n /A g re e m e n t/L e tte r/T e rm s a n d C o n d itio n s w e re re a d

E n g lish
out and explained to me / us in English and I/We confirm to have understood the same.

Hindi

B e n g a li

T a m il

P u n ja b i

Urdu

Malayalam

Gujarati

T e lu g u

O riya

Kannada

Marathi

A ssa m e se

K o n ka n i

Kashmiri

””In'c1ude rest of the languages along with Tick box, as per the list of languages mentioned in the mail

B o rro w e r Co-Borrower