SANCTION LETTER

Date: 20-12-2024 Loan ID: FPL-00001758121

Place: Mumbai

Dear Customer,

Thank you for choosing FDPL Finance Pvt Ltd. Based on the application and information
provided therein, we are pleased to extend an offer to you for a loan as per the preliminary
terms and conditions mentioned below:

Loan term sheet/Sanction Terms - Unsecured Personal Loans

1. Right to Revoke Sanction Anytime:

1. The User agrees to avail the service of credit facility of the Credit Line from the Platform
provided by the NBFC. The NBFC agrees to provide a Credit Line to the User, during
the Permissible Credit Range, on the terms and conditions herein set forth. Upon or
before the expiry of the Permissible Credit Range, the NBFC (via the Platform), at their
discretion and on the request of the User, can extend, reduce, or terminate the period of
the Credit Line as per the modality details on the Platform.

2. If any or more of the events specified in this Clause (hereinafter called "Events of
Default") shall have happened, then FatakPay, by a written notice issued on the
Platform to the User, may declare the Outstanding Amounts that may be payable by the
User under any or all EMIs and all Disbursement Amounts or in terms of this Agreement,
or any document subsisting between the User and FatakPay or the User and the NBFC,
as well as any charges and dues, to be due, and upon such declaration, the same shall
become due and payable immediately.

3. FatakPay shall also have the right to stop providing the service. After cessation of the
services, the User shall still be liable to forthwith pay the Outstanding Amounts via the
Platform.
2. Right to Report to CIBIL and Credit Rating Agencies:

1. The lender/NBFC shall have the right to make disclosure of any information relating to
me/us, including personal information, details in relation to loans, defaults, etc., to the
credit information companies and/or any other governmental/regulatory/statutory or
private agency/entity, credit bureau, RBI, the lenders/NBFC other
branches/subsidiaries/affiliates/rating agencies, service providers, other banks/financial
institutions, any third parties, any assigns/potential assignees or transferees, who may
need, process and publish the information in such manner and through such medium as
it may be deemed necessary by the publisher/lender/RBI/NBFC, including publishing the
name as part of the willful defaulter's list from time to time, as also use for KYC
information verification, credit risk analysis, or for other related purposes.

3. Repayment Mechanism and Options:

1. The Disbursement Amount along with the Applicable Interest shall be paid by the User
to NBFC via the Platform. The User must make one payment of the Whole Outstanding
Amount availed out of the Credit Line. If the User has availed the EMI Payment as
provided by FatakPay, the User must make payments of the Outstanding amount by
equated monthly installments ("EMI") of the specific EMI availed from the Credit Line
with a specified Due Date. The Repayment of the Outstanding Amount shall be made as
per the repayment method chosen by the User and assented by FatakPay and/or the
NBFC.

2. The User hereby confirms that it is aware of the fact that any dishonor of any Cheque or
E-NACH/NACH/UPI Mandate would constitute an offense under Section 138 read with
Section 141 of the Negotiable Instrument Act, 1881 or Section 25 of Payment and
Settlement Systems Act. Without prejudice to the rights of FatakPay and/or the NBFC,
any dishonored Cheque or NACH Mandate or UPI Mandate shall make the User liable
for payment of charges as stated in the Schedule hereto or published by FatakPay on its
Platform.

4. Remedies to FatakPay:

1. If any or more of the events specified in this Clause (hereinafter called "Events of
Default") shall have happened, then FatakPay, by a written notice issued on the
 Platform to the User, may declare the Outstanding Amounts that may be payable by the
User and all Disbursement Amounts or in terms of this Agreement, or any document
subsisting between the User and FatakPay or the User and the NBFC, as well as any
charges and dues, to be due, and upon such declaration, the same shall become due
and payable immediately. FatakPay shall also have the right to stop providing the
service. After cessation of the services, the User shall still be liable to forthwith pay the
Outstanding Amounts via the Platform.

2. Events of Default:

• If any Payment Default has occurred as a result of Dishonor of the Cheque or

E-NACH/NACH/UPI mandate or default through any other modes of repayment.

• Default in the performance of any other covenants, conditions, or agreements on the

part of the User under this Agreement in respect of this Credit Line.

• Any information given or document provided by the User to FatakPay and/or the
NBFC is found to be misleading or incorrect in any material respect or any warranty
referred to in Clause 5 is found to be incorrect.

• Any action/proceeding against or by the User(s) is taken under the Insolvency and
Bankruptcy Code, 2017 or any other applicable law or other steps taken for
declaring/adjudicating the User(s) to be insolvent or bankrupt.

• If any event of default or any event which, after the notice or lapse of time or both
would constitute an Event of Default has happened, the User shall forthwith give
FatakPay or the NBFC a notice thereof in writing specifying such Event of Default, or
such event.

• In the Event of Default, FatakPay shall be entitled to communicate, in any manner it

may deem fit, to or with any person or persons with a view to receiving assistance
from such person or persons in recovering the defaulted amounts. Representatives
of FatakPay or the NBFC shall be entitled to visit the User as part of their collection
efforts.

5. Consequences of an Event of Default:

Upon the occurrence of an Event of Default, the Lender may, without prejudice to any rights
that it may have, take such action as it deems fit, including but not limited to:

1. Declare all amounts payable by the Borrower, including all interest, charges, fees, and
taxes payable in terms of this Agreement, to be due and payable immediately.

2. Charge interest indicated in the Credit facility summary schedule of this agreement.

3. Proceed against the Borrower and take any legal action for the recovery of the amounts
outstanding under the Facility along with interest, charges, and expenses.

4. Disclose and furnish to the Credit Information Companies (Bureaus) and/or RBI and any
other agency authorized in this behalf by the RBI, the name of the Borrower.

5. Stipulate any additional conditions, including inter alia, revision in interest rate,
stipulation of additional obligations, and recall of the amount outstanding under the
Facility.

6. Exercise any right available to the Lender under Applicable Law.

7. In addition to the rights specified in this Agreement, the Lender shall be entitled to take
all or any action with or without intervention of the courts to recover the amount due and
payable by the Borrower under this Agreement.

8. Notwithstanding any other rights available to the Lender under this Agreement, the
Lender at its sole discretion shall be entitled to close the Credit facility seeking
immediate repayment as well as initiate criminal proceedings or take any other
appropriate actions against the Borrower if at any time, the Lender has sufficient
grounds to believe that the Borrower has made any misrepresentations and/or submitted
any forged documents or fabricated data to the Lender.

9. All rights and powers conferred on the Lender under this Agreement shall be in addition
and supplemental to any rights the Lender has as a creditor against the Borrower under
Applicable Law and shall not be in derogation thereof.

10. In addition to the aforesaid, legal actions for recovery, the Lender shall have an
unqualified right to disclose or publish the name and details of the Borrower on the event
of default through any medium in its absolute discretion may think fit.

11. In the event of the death of the Borrower, the legal heirs of the Borrower shall be liable
to discharge said amounts outstanding under the Credit facility from the assets of the
 Borrower to the Lender. This Agreement shall be binding on and inure to the benefit of
the Parties and their respective successors and permitted assigns.

6. Other Terms and Conditions:

1. Other terms and conditions shall be as per the detailed loan agreement between the
Customer, NBFC, and the Digital Platform i.e., FatakPay Digital (P) Limited.
 Key Facts Statement
Date Lender Borrower Name

20-12-2024 FDPL Finance Pvt Ltd Anurag R Swamy

Annex A

Part 1 (Interest rate and fees/charges)

*The KFS is generated based on the assumption that the customer has withdrawn the maximum available amount.
Loan proposal/ account
1 FPL-00001758121 Type of Loan Personal loan
No.

2 Sanctioned Loan amount (in Rupees) Upto Rs. 20000.00 (Max avilable limit)

Disbursal schedule
1. Disbursement in stages or 100% upfront.
3 100% upfront
2. If it is stage wise, mention the clause of loan agreement having
relevant details

4 Loan term (year/months/days) 1 month

4.1 Validity of loan 12 months

5 Installment details

Type of Commencement of repayment, post

Number of EPIs EPI (Rs.)
Installments sanction

Monthly 1 20206.50 Jan. 21, 2025

Interest rate (%) and type (fixed or floating or

6 0.00% (per annum), Fixed
hybrid)

7 Additional Information in case of Floating rate of interest

Impact of
change in the
Reset
reference
periodicity
benchmark (for
Reference Benchmark Spread (%) Final rate (%) (Months)
25 bps change
Benchmark rate (%) (B) (S) R = (B) + (S) in ‘R’)

No.
EPI
B S of
(Rs.)
EPIs

N/A N/A N/A N/A N/A N/A N/A N/A

8 Fee/ Charges

Payable to the RE (A) Payable to a third party through RE (B)

Amount (in
Amount (in Rs.) or Rs.) or
One-time/ One-
Percentage (%) as Percentage
Recurring time/Recurring
applicable (%) as
applicable

Login fees NA NA NA NA
(i) Login fees
NA NA NA NA
GST

(ii) Insurance fees NA NA NA NA

Documentation
(iii) NA NA NA NA
fees
 CERSAI/CKYC
(iv) NA NA NA NA
fees

Bank Transfer
Fee through NA NA NA NA
NEFT
(v)
Bank Transfer
Fee through NA NA NA NA
NEFT GST

Bank Transfer
Fee through NA NA NA NA
IMPS
(vii)
Bank Transfer
Fee through NA NA NA NA
IMPS GST

9 Annual Percentage Rate (APR) (%) 12.38%

10 Details of Contingent Charges (in Rs. or %, as applicable)

(i) Penal charges, if any, in case of delayed payment 0.17 % or Rs 0 + (GST) per day whichever is higher.

(ii) Other penal charges, if any N/A

(iii) Foreclosure charges, if applicable N/A

Charges for switching of loans from floating to fixed

(iv) N/A
rate and vice versa

Nach Bounce Charges 0

(v)
Nach Bounce Charges GST 0.00

Part 2 (Other qualitative information)

Clause of Loan agreement relating to engagement of

1 Refer clause 7 (sub clause iv) of loan agreement
recovery agents

Clause of Loan agreement which grievance redressal

2 Refer clause 14 (sub clause i) of loan agreement.
mechanism details

Phone number and email id of the nodal grievance

3 +91-9076096209 escalation@fdplfinance.com
redressal officer

Whether the loan is, or in future maybe, subject to

4 YES
transfer to other REs or securitisation (Yes/ No)

In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details
5
may be furnished:

Name of the originating RE, along with Name of the partner RE along with its
Blended rate of interest
its funding proportion proportion of funding

NA NA NA

6 In case of digital loans, following specific disclosures may be furnished:

(i) Cooling off/look-up period, in terms of RE’s board approved

policy, during which borrower shall not be charged any penalty on 3 Days
prepayment of loan

(ii) In the event of early repayment by the customer prior to the due Interest is applicable on the number of days credit utilized. Any
date, any excess interest charged or deducted shall be refunded to excess interest on early Repayment would be credited to the
the customer in the form of a chargeback. customer in form of charge back.

(iii) Details of LSP acting as recovery agent and authorized to

Fatakpay Digital pvt ltd.
approach the borrower
 Annex B

Illustration for computation of APR for Retail and MSME loans

Sr.
Parameter Details
No.

Sanctioned Loan amount (in Rupees) (Sl no. 2.3 of the KFS
1 20000.00
template – Part 1)

Loan Term (in years/ months/ days) (Sl No.4 of the KFS template
2 1 Month
– Part 1)

a) Validity of loan 12 Months

No. of Installments for payment of principal, in case of non-

b) NA
equated periodic loans

Type of EPI
Monthly Bullet
Amount of each EPI (in Rupees) and
c) 20206.50
nos. of EPIs (e.g., no. of EMIs in case of monthly Installments)
1
(Sl No. 5 of the KFS template – Part 1)

d) No. of Installments for payment of capitalised interest, if any NA

Commencement of repayments, post sanction (Sl No. 5 of the KFS

e) Jan. 21, 2025
template – Part 1)

Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS
3 Fixed
template – Part 1)

4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 0% (per annum)

5.1 Total Interest Amount to be charged during the entire tenor of

0
the loan as per the rate prevailing on sanction date (in Rupees)
5
5.2 Transaction Fee Rs. 175.00

5.3 Transaction Fee GST Rs. 31.50

6 Fee/ Charges payable (in Rupees) 0

A Payable to the RE (Sl No.8A of the KFS template-Part 1) 0

Payable to third-party routed through RE (Sl No.8B of the KFS

B 0
template – Part 1)

7 Net disbursed amount (1-6) (in Rupees) 20000.00

Total amount to be paid by the borrower (sum of 1 and 5) (in

8 20206.50
Rupees)

Annual Percentage rate- Effective annualized interest rate (in

9 12.38%
percentage)(Sl No.9 of the KFS template-Part 1)

10 Schedule of disbursement as per terms and conditions Detailed schedule provided in Annex C

11 Due date of payment of Installment and interest Jan. 21, 2025

Annex C

Illustrative Repayment Schedule under Equated Periodic Installment for the hypothetical loan illustrated in Annex B

Outstanding Transaction
Installment Principal (in Interest (in Installment
Principal (in Fee (in
No. Rupees) Rupees) (in Rupees)
Rupees) Rupees)

1 20000.00 20000.00 0.00 206.50 20206.50

Borrower Name: Anurag R Swamy

Device ID:

Mobile Number for OTP: 9035609181

Platform: Webview

IP Address:

Timestamp: Dec. 20, 2024, 9:06 a.m.

Loan ID: FPL-00001758121