Date : Mar 19, 2025
To : ALPHA ELECTRONICS HIMATNAGAR
Dear Sir/Madam,
We are pleased to inform you that the loan application of Mr. Zala Navghansinh has been approved for
Consumer Durable/Consumption Loan vide approval no. 101053244911 as per the details mentioned below;
1. Product Details
A Application ID 101053244911
B Customer Name Mr. Zala Navghansinh
SAMSUNG
C Brand | Asset Category
REFRIGERATOR-FF
D Model Number RT28C3732S8HL
E Scheme Name BS_SAM101REFJUL24P1
F ROI % 21.45%
G Serial Number 05MY4PBXC00902
2. Disbursement Break-Up (in )
A Cost Of Product 33000.00
B DBD % (excl. GST) 3.00
C DBD Amount (incl. GST) 1169.00
D Down Payment Collected (from customer) 3870
E Net Disbursement Amount 27961.00
3. Loan Amount Break-Up (in )
A Cost Of Product 33000.00
B Margin Money paid by customer 0.00
J Wallet cashback given by the Bank 0.00
C* Offers (bundled with the loan) 990.00
D=A-B-J+C Bundled Loan Amount 33990.00
E* Total Down Payment 3870.00
F=A+C+E Total Cost To Customer (excl. adv emi wherever applicable) 34461.00
G Gross | Net Tenor (months) 10 | 9
H Advance EMIs (no.) 1
I EMI Amount 3409
*Annexure : Split Of Offers & Down Payment (in )
C Offers (bundled with loan) 990.00
Credit Shield 990.00
E Total Down-Payment 3870.00
Customer Processing Fees (incl. GST) 177
Facilitation Fee (incl. GST) 294.00
Advance EMI Amount (refrigerator-ff) 3300
Credit Shield(down payment) 99
The required formalities with the customer have been completed and hence we request you to collect the down payment
and deliver the product at the following address
Customer Address:
Dalani Muvadi Sabarkantha Sabarkantha
Nr temple
SABARKANTHA, GUJARAT 383205
Thanking you,
IDFC FIRST Bank
#alwaysyoufirst
Terms & Conditions
1. This is a computer generated delivery advice (DA) and does not require any signature.
2. This DA is valid for 15 days from the date of issuance. For whatever reason, if the loan is not disbursed
within 15 days of issuance of this DA, then the Bank will not be liable to pay the dealer.
3. In case, if it is later found that customer has a different product or same product with different IMEI/Serial
No. than the one mentioned on the invoice provided by the dealer, then the Bank will not be liable to pay
for that case. In case amount is transferred already, the Bank is allowed to adjust the same from subsequent
disbursal(s) along with penalty.
4. Product needs to be delivered on the address mentioned on the Delivery Advice and not over the counter,
irrespective of the urgency of the customer. Only digital products (i.e. Smart Phone, Tablet, Smart Watch,
Laptop, Camera, Speaker, and Printer) can be delivered to the customer over the counter against proper
acknowledgement thereof.
5. Date on the invoice should not exceed beyond 2 days from the date on the DA. It is mandatory to capture
IMEI/Serial No. on the invoice.
6. At the time of delivery, dealer’s staff needs to click & upload the picture of the below requirement on IDFC
FIRST Delivery App.
-Delivery Challan
-Photo of the customer with product box outside his/her residence
-Serial No. should be captured while clicking product image
7. IDFC FIRST Bank Delivery app is available on Google Play Store by the name “IDFC FIRST Delivery”.
To download the app from Google Play Store, please follow the link: https://idfcfir.st/hule2v
8. Basis the bank’s requirement, the dealer needs to provide the delivery challan to IDFC FIRST Bank within
7 days of request.
9. Where the customer cannot be traced but the dealer has confirmed the delivery of the product as per the DA
address, the staff needs to do a joint visit with the bank’s team to establish the same.
10. The dealer has to check original photo ID proof of their customer before handing over any goods. Dealer
staff is expected to match
a.
10.
a. The name in original ID card with the name given in this DA
b. Photo in ID card with the person to whom goods are being given. This is required for all cases and
products.
11. It is the dealer’s responsibility to have delivery proof with customer acknowledgement on records and to
share it with IDFC FIRST Bank as and when requested.
12. Customer’s actual Rate of Interest may vary from that mentioned in the Sanction Letter which is due to
system logics and rounding off mechanism. However, customer's EMI amount will remain the same.
13. In case of customer denying delivery of product or raising concerns on defective/ damaged product post
disbursal, it will be the dealer’s responsibility to foreclose the loan with IDFC FIRST Bank
14. Other charges pertain to cost incurred to pull customer’s bureau details.
