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UGRO Gro-Micro Secured Agreement

Vhj. Hu. Hii. Jk.

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0% found this document useful (0 votes)

69 views59 pages

UGRO Gro-Micro Secured Agreement

Vhj. Hu. Hii. Jk.

Uploaded by

sureshsamotanangal

We take content rights seriously. If you suspect this is your content, claim it here.

Available Formats

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Stamp Document ID(s): HN358AA397 Stamp Sr. No.

: REVENUE-STAMP-HN358AA397
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Sanction Letter

Date: ____________
Main Applicant: RAVI HAIR DRESSER
Main Applicant Address: Ward No 15 Madhan Market Shrimadhopur Nalot Jorawar Nagar 332715 Sikar RAJASTHAN
Mobile No. 9782668889
Branch: SIKAR MICRO-SIK001
Name of Guarantor(s) / Co-borrowers(s)

PURUSHOTTAM KUMAR SAIN Bimla Devi REKHA DEVI

Subject: LCHU039920250315181733
Dear Sir/Madam,

We thank you for applying for a secured loan with UGRO Capital Limited (“UGRO”). We are pleased to inform you that, based on your loan
application and details provided by you, loan facility has been sanctioned to you in principle as per the terms and conditions mentioned below:

Loan Type Secured Loan (“Facility”)

Program SL-MICRO BUSINESS LOAN - Secured
Name
Loan Amount Rs. 31,65,122
Sanctioned
Purpose of the Business Use
Loan
Tenure of the 144 months + NA months
Loan
Principal NA
Moratorium
(applicable
months)
Interest Type Floating
Interest Monthly
Payable
Current 15.95 %per annum
UGRO
Reference
Rate
Applicable 15.95 %p.a. +/- +2.05 % p.a.= 18 %per annum
Floating Rate
of Interest
(Current URR
+/- Margin)
Installment Rs. 53,779 for a period of 144 months
Amount/
Graded
Installments
Break up of
total amount Principal *Indicative Interest *Indicative Total
payable Amount Amount
(Excluding 31,65,122 45,79,054 77,44,176
Pre EMI)
(Amount in Note: *Amounts are indicative and will be subject to change depending upon on the actual date of
INR) disbursement, change in rate of interest, if any and not inclusive of other applicable charges payable in the
event of default in repayment.
Frequency of Monthly
repayment
Repayment 3rd of every month
Cycle date
EMI/ "If the case disbursed between 4th – 17th of the month then the EMI Date will be 3rd of next month."

UGRO CAPITAL LTD.

Registered Office Address: Equinox Business Park, Tower 3, 4th Floor, LBS Road, Kurla(West), Mumbai 400070
CIN: L67120MH1993PLC070739
Telephone: 1800-202-8476 I E-mail: customercare@ugrocapital.com I Website: www.ugrocapital.com
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397
Installment “If case disbursed between 18th of current month – 3rd of the next month, then the EMI Date will be 3rd of
date next to next month and Pre- Instalment Interest date will be 3rd of next month.”
(Exact dates of
repayment
depends on the
disbursement
date and the
same shall be
mentioned in
the loan
agreement and
repayment
schedule
which shall be
shared with
the Borrower
post
disbursement)
IMD Received Rs. NA
Fees and Processing Fee (including GST): Rs. 66,468
Other Charges Pre-EMI (Per Day): Rs. 1,561
(Non- Fee received with Application Form: Rs. 2360
Refundable) CERSAI charges: As applicable
(* subject to realization of funds)
Number of as per sanction conditions
Advance
Instalments
Instalment Arrear
Mode
Details of the 1. PATTA NO 7 GRAM NALOT GP JORAWARNAGAR PS SHRIMADHOPUR WARD NO 9 NEAR
security to be PURNI SCHOOL NALOT SHRIMADHOPUR SIKAR Sikar RAJASTHAN 332708 2. PATTA NO 65
provided for GRAM NALOT GP JORAWARNAGAR PS AND TESHIl SHRIMADHOPUR DISTT SIKAR Sikar
the loan RAJASTHAN 332708 3. PROPERTY SITUATED AT FF SHOP 2 ASHRIWAD PLAZA WARD NO 22
SHRIMADHOPUR DISTT SIKAR RAJ Sikar RAJASTHAN 332715
DSRA NA
Penal 3% pm
Charges
Pre/Part loan
payment
Foreclosure • 6% +GST of principal outstanding for loan foreclosed within 12 months of loan disbursal date.
Charges • 4% + GST of principal outstanding for loan foreclosed after 12 months of loan disbursal date.
* Please note
that there are
no charges on
foreclosure or
prepayment on
floating rate
term loans
sanctioned
only to
individual
borrowers for
other than
business
purposes
Lock in A lock-in period will be applicable on the loan until the first twelve (12) EMIs are fully paid (Pre-EMI
period will not be considered in EMI), during which the Borrower shall not be entitled to make part
prepayment or foreclosure unless otherwise specifically approved or permitted by the Lender, at its sole
discretion, subject to payment of the applicable charges as mentioned above.

The schedule/ detailed list of charges is displayed on the website of UGRO Capital Limited the link of the same is:
https://www.ugrocapital.com/interest-rate-model-and-schedule-charges.
Please note that the facility will be subject to the following terms and conditions:

UGRO CAPITAL LTD.

1. 1 Overdue closer proof 2 Business FI FCU 3 Borrower and assets base Cersai 5 E bill of collateral should be name of
our customer only 6 LOD FC 7 Original Patta No. 65 should be come upfront with positive vetting and legal report 2.
1.Final approval by CCM Above post report of Legal Technical. 2.Disbursed as per Policy. 3.End Use Declaration. 4.All
other approval to be taken from appropriate authority. 5.IMD Clearance. 6.Repayment to be taken from Customer AU
BANK Ac No.5751 Name of. PURUSHOTTAM KUMAR SAIN 7.Case to be Booked Under Micro Sarathi Program. 3.
8.Legal Technical to be Positive. 9.Electricity Bill to be documented. 10.Udyam registration to be Documented.
11.Kachhe pakke Bill Should be Documented. 12.Business FI Should be Positive. 13.LOD of Loan 22 Lac from Ummeed
housing Finance Should Be Documented. 4. 14.Applicant Wife Should be in Loan Deal Before Final Approval. 15.Co
applicant Bimla Manual Cibil Should be Documented Before Final Approval. 16.Used car Loan overdue ClearanceNOC
Should be Before final Approval.

We would like to inform you that the issuance of this in-principle sanction letter shall not guarantee the loan disbursement which will be done at
the sole discretion of UGRO. It shall neither constitute an offer nor a contract.
As a token of acceptance of this sanction, you are requested to return a copy of this letter duly signed and accepted by you and other co-
borrower(s). The sanction will remain valid for a period of 60 days from the date of issue thereof.
UGRO reserves the rights to anytime assign/sell/transfer or enter into co-lending arrangement regarding amount under Facility or any part
thereof to/with any other financial institution or bank as maybe decided by UGRO in its absolute discretion. In case of such transfer/ assignment,
the taking over bank/ co- lender, inter alia, shall have the right to inspect the property mortgaged as security for the Facility and carry out
valuation, if required
In case of any query you may have regarding sanctioning of this loan facility, kindly contact our customer service team through any of the
channels mentioned below.
Yours Sincerely,

Authorized Signatory
UGRO Capital Limited

UGRO CAPITAL LTD.

PURUSHOTTAM KUMAR SAIN Bimla Devi REKHA DEVI

Signatures of all authorized signatories on company stamp

For any inquiry:
Call us at – 1800-202-8476
Email us at – customercare@ugrocapital.com
Write to us at – UGRO Capital Limited, Equinox Business Park, Tower – 3, Fourth Floor, Off BKC,
LBS Road, Kurla, Mumbai – 400070
Visit our website – www.ugrocapital.com
Other terms and conditions:
1. Disbursement shall be subject to execution of transaction documents, creation of security and submission of all the documents prescribed by
UGRO as a part of sanction conditions or otherwise. All such pending documents shall be submitted within 15 days from the date of executing
the facility / loan agreement failing which UGRO will have an unfettered right to cancel the loan with cancellation charges at the rate mentioned
in the Schedule of Charges and the processing fees already paid shall not be refunded. However, Interest will be charged only from the date of
actual transfer of disbursement amount or after the expiry of 15 days from the date of execution of loan/ facility agreement whichever is later.
Further, the facility/ loan agreement and other transaction documents may / will contain terms and in addition to or in modification of those set
out in this letter.
2. The continuance of the Facility is subject to cancellation and / or repayment to UGRO on demand without assigning any reason for the same.
3. UGRO is entitled to add to, delete or modify all or any of the terms and conditions for the facility and/or the Standard Terms applicable to the
Facility.
4. The borrower/s shall immediately intimate UGRO in the event of any change in the repayment capacity of the borrower/s including a loss /
change in job / profession etc. any change in the information submitted earlier.
5. You have an option to enrol under Group Insurance scheme to cover the loan facility availed in full or part disbursal. You are free to avail
insurance from any of the Insurance intermediaries and companies operating in the market. You will be required to pay insurance premium
separately as applicable.
6. The collateral is to be insured at all times. The customer has the option to provide Insurance from any third party as long as the following
conditions are met: a) Sum assured is not lower than the reconstruction cost b) the term is for the remaining tenure of the loan and c) the policy
is lien marked to U Gro Capital. In absence of a valid policy, the borrower (s) agree to re-insure the collateral by debiting the loan account
within 30 days of the expiry of the policy.
7. Please note that risk-based pricing is determined based on the risk associated with type of loan (Risk Gradation), cost of funds, tenor of the
loan, collateral and quantum of loan. In addition, there is a regular review exercise of the interest rates and product features with the competition
offerings. An additional risk premium may incorporated in the pricing which is based on the credit risk associated with the customer which is a
function of his credit history, bureau information, internal rating along with other factors like the borrowers income etc. Hence, it should be
noted, that the interest rate applied is different from customer to customer and his/her loans/advances. The range of rates of interest and approach
for gradation of risks are also available on the website of UGRO Capital Ltd. at www.ugrocapital.com.
8. Please note that this is the only sanction letter issued by UGRO in respect of the abovementioned proposed loan facility. UGRO shall not be
liable, responsible or bound by any other letter / communication issued by any person in relation to the proposed loan facility.

9. Revision in reference rate and interest reset shall be applied from the first of the month following the month of the year in which URR is
changed. In absence of any specific instruction, UGRO will prefer to keep the EMI amount constant irrespective of revisions in URR.
Clarification on due dates and defaults
If any amount due under the Loan is not received before the Lender runs its day end process on the due date, the same shall be considered as
overdue and if continued to be overdue the account will be classified as SMA-1 at 31st day, SMA-2 at 61st day and Non-performing Asset at
91st day after the day end process of the respective dates. For example, if due date is 05-01-22 then if continuously being unpaid the same
shall be classified as SMA-1 as at 04-02-22, SMA-2 as at 06-03-22 and NPA as at 05-04-22. If there is any overdue in an account, the default/
non-repayment is reported with the credit bureau companies like CIBIL etc. and the CIBIL report of the customer will reflect defaults and its
classification status and no. of days for which an account remains overdue is known as DPD (Days past due). Once an account is classified as
NPAs then it shall be upgraded as ‘standard’ asset only if entire arrears of interest and principal are paid by the borrower. Detailed illustration
and information about the same shall be available in the Loan agreement and is available at our website at “www.ugrocapital.com”

UGRO CAPITAL LTD.

FACILITY AGREEMENT

THIS FACILITY AGREEMENT (“Agreement”, which term includes the recitals hereunder and all the annexures/schedules/exhibits
attached hereto, and any amendments made hereto) is made at the place and on the date stated in the Schedule of this Agreement (“Schedule
”) by and between:

UGRO CAPITAL LIMITED, a company incorporated under Companies Act, 1956 and existing within the meaning of Companies Act,
2013 with CIN: L67120MH1993PLC070739, registered as a non-banking financial company (“NBFC”) under the Reserve Bank of India (“
RBI”) Act, 1934, having its registered office at Equinox Business Park, Tower 3, 4th Floor, Off BKC, LBS Road, Kurla, Mumbai – 400070
(hereinafter referred to as “Lender” or “UGRO”, each of which expressions shall, unless repugnant to the context or meaning thereof, be
deemed to include its successors, transferees, novatees and assigns) of the FIRST PART;

AND

BORROWER, as described in the Schedule (hereinafter referred to as “Borrower”, which expression shall, unless repugnant to the context
or meaning thereof, be deemed to include all the co-borrowers and be deemed to mean and include when the Borrower is (i) an
individual/proprietor, his or her heirs, executors, administrators and permitted assigns; (ii) a firm, the partners or partner for the time being
of the said firm, the survivors or survivor of them, their respective heirs, executors and administrators; (iii) a company, its successors and
permitted assigns; (iv) a Limited Liability Partnership (LLP), its executors, administrators, successors and permitted assigns; (v) a trust, the
trustees for the time being of the said trust, survivors or survivor of them and the heirs, executors and administrators of the last surviving
trustee; (vi) a co-operative society, its successor; (vii) a Hindu Undivided Family (HUF), the Karta and any or each of the aforesaid adult
members of the HUF and the survivors or survivor of them and his/her/their respective heirs, legal representatives, executors, administrators
and permitted assigns) of the SECOND PART.

Borrower and Lender may hereinafter collectively be referred to as “Parties” and individually as “Party”.

WHEREAS

1. The Lender is engaged in the business of providing lending solutions to a wide range of customers and the Borrower is engaged in the
business as detailed in the Schedule.

2. The Borrower has requested the Lender to sanction a credit facility for an amount as mentioned in the Schedule (“Facility”) and has
assured that the Facility would be utilized only for the Purpose (defined below) and repaid as per terms contained hereunder. At the
Borrower’s request and relying upon the correctness of the information, representations and assurances given by the Borrower, the Lender
has agreed to grant the Facility to the Borrower, on the terms and conditions contained herein.

NOW, THEREFORE, in consideration of the premises, mutual agreements and covenants contained in this Agreement and other
good and valuable consideration (the receipt and adequacy of which is hereby mutually acknowledged), each of the Parties hereby
agrees as follows:

1. DEFINITIONS AND INTERPRETATION

1) Definitions
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Wherever used in this Agreement or any Schedule, unless the context otherwise requires, in addition to the terms defined in the Recitals and
in the text of this Agreement, the following capitalized terms have the following meanings:

“Account Bank” means the bank as acceptable to the Lender with whom the Escrow Account will be opened and maintained by the
Borrower in accordance with this Agreement and the Escrow Agreement;

“Applicable Interest Rate” means the rate of interest as mentioned in the Schedule payable by the Borrower to the Lender on the
outstanding principal amount under the Facility and serviced in a manner as specified in this Agreement;

“Applicable Law” means any statute, national, state, provincial, local, municipal, or other law, treaty, code, regulation, ordinance, rule,
judgment, order, decree, bye-law, any act or enactment including but not limited to the Insolvency and Bankruptcy Code, 2016 ( “Code”),
Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (“SARFAESI Act”), The Industrial
Disputes Act, 1947, Environment Protection Act, 1986, Reserve Bank of India Act, 1934 and other RBI regulations, Companies Act, 2013,
Transfer of Property Act, 1882, approval of any Governmental Authority, directive, guideline, policy, requirement or other governmental
restriction or any similar form of decision of or determination by, or any interpretation or administration having the force of law of any of the
foregoing by any Governmental Authority having jurisdiction over the matter in question, whether in effect as of the date of this Agreement
or at any time thereafter;

“Application Form” means the application form and/or relevant information submitted through any means by Borrower to Lender for
applying and availing the Facility, together with all other information, particulars, clarifications and declarations, if any, furnished by the
Borrower or any other person on behalf of the Borrower from time to time in connection with the said Facility;

“Business Day” shall mean a day of the week on which the scheduled commercial banks are open for business in such state or union
territory of India where the office of the Lender, as specified in the Schedule, is located;

“Charges” shall mean the charges which may be charged by the Lender in relation to the Facility, including the charges provided in the
Sanction Letter along with the schedule of charges. Any revision to the Charges as per this Agreement as may be communicated or notified
to the Borrower shall be the applicable Charges and shall be deemed to have been incorporated in the Sanction Letter and the Sanction
Letter to this effect shall be deemed to have been modified;

“Conditions Precedent” means the conditions as specified in Clause 3.5 of this Agreement which are required to be satisfied (unless
waived in writing by the Lender) by the Borrower;

“Credit Information Agency” shall mean and include TransUnion CIBIL Limited, CRIF High Mark Credit Information Services Private
Limited, Equifax India and Equifax Analytics Private Limited, Experian Credit Information Company of India Private Limited or such other
company or any other agency as may be notified or recognized as such by the RBI or any other regulatory authority;

“Disbursement” means the disbursement of the Facility or any part thereof or transfer/debit of funds in any manner, made by the Lender
pursuant to the request thereof by the Borrower subject to the terms of this Agreement;

“Due Date” means the date(s) on which Outstanding Amounts fall due under the Financing Documents;

“Electronic Clearing Service (ECS)” or “National Automated Clearing House (NACH)”, means the electronic clearing services &
electronic payment services, notified by RBI from time to time, being mode(s) of effecting payment transactions using the services of a
clearing house/any other mechanism duly authorized in this regard;

“Encumbrance” means the creation of charge, lien, security, quasi security, non-disposal arrangement, claim, option, negative lien, power
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

of sale in favor of a third party, retention of title, right of pre-emption, right of first refusal, lock-in of any nature or other third party right or
security interest or an agreement, arrangement or obligation to create any of the foregoing whether presently or in the future. The term “
Encumbered” shall be accordingly construed;

“Escrow Account” shall mean the account (if opened) with the Account Bank in accordance with this Agreement and the Escrow
Agreement for the repayment of Outstanding Amounts;

“Escrow Agreement” shall either mean the agreement (if executed) entered into by and between inter alia the Bank (defined below), the
Lender and Account Bank with respect to the operation and maintenance of Escrow Account and the Lender reserves the right to make
Borrower a part of Escrow Agreement on such terms and conditions as the Lender may decide in its sole discretion, or it shall mean the
agreement (if executed) entered into by and between inter alia the Borrower, the Lender and Account Bank with respect to operation and
maintenance of Escrow Account;

“Financing Documents” means the Application Form, this Agreement, the Sanction Letter, Key Fact Statement and all other instruments
and agreements including without limitation security documents of any nature (if any) that have been/are to be executed between the Parties,
or with any third parties in relation to the Facility;

“Governmental Approval” shall mean any consent, approval, waiver, grant, franchise, concession, agreement, license, certificate,
exemption, order registration, declaration, filing, report or notice of, with or to any Governmental Authority;

“Governmental Authority” means any:

(a) government (central, federal, state or otherwise) or sovereign state; and

(b) any governmental agency, semi-governmental/judicial/quasi-judicial/administrative/regulatory entity, department or authority, or any

political subdivision thereof;

“Guarantor” means the Person(s) as more particularly mentioned in the Schedule, providing guarantee to secure the Outstanding Amount
and for the due performance of the terms and conditions of this Agreement;

“Instalments” shall mean the amount of payment necessary to amortize the Facility with Interest (rounded off to the next rupee) within
such period as may be determined in the Repayment Schedule;

“Interest” means the interest payable on the Facility at the Applicable Interest Rate, including the Pre-Instalment Interest payable by the
Borrower to the Lender at Applicable Interest Rate as specified in the Schedule;

“Key Fact Statement” or “KFS” means a document that summarizes the critical aspects of the Facility including the Facility amount,
interest rate, Repayment Schedule, fees and charges and the total repayment amount as per Sanction Letter and schedule of charges;

“Market Disruption Event” shall mean happening of an event which in the opinion of the Lender would make it unviable for the Lender to
continue the Facility;

“Outstanding Amounts” means at any time all the amounts payable in relation to the Facility by the Borrower to the Lender, pursuant to
the terms of the Financing Documents, including the following amounts:

a) the principal amount of the Facility and Interest thereon;

b) Penal Charges and all dues payable by the Borrower, as reflected in the books and records maintained by the Lender;
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

c) all other moneys, debts and liabilities of the Borrower, including indemnities, liquidated damages, costs, Charges, expenses and fees and
interest incurred under, arising out of or in connection with the Financing Documents;

d) all sums expended by the Lender in order to preserve Security (if any); and

e) any and all costs, expenses, fees and duties for enforcement and collection of any amounts due under Financing Documents, including
expenses of enforcement and realization of Security (if any) and costs and expenses set out hereunder;

“Payment Instrument(s)” shall mean instrument as specified by the Lender in the Schedule hereunder, including but not limited to ECS,
NACH, Unified Payments Interface (UPI), digital or electronic payments, money transfer through mobile applications and PDCs, by which
the Borrower shall make payment of Outstanding Amounts to the Lender;

“Person(s)” shall mean any natural person or legal entity whether incorporated or not, limited or unlimited liability company, body
corporate, co-operative society, corporation, partnership (whether limited or unlimited), proprietorship, society, HUF, trust, union,
association or association of persons, body of individuals, government or any agency thereof or any other entity that may be treated as
person under the Applicable Law;

“Post Date Cheque(s)” or “PDC(s)” shall mean the postdated cheque(s) issued in favor of the Lender to ensure continuity of repayment by
the Borrower under the Facility;

“Pre-Instalment Interest” shall mean the interest payable on the disbursed amount, at the Applicable Interest Rate for the period
commencing from the relevant disbursement date to the date immediately prior to the commencement of Repayment, payable by the
Borrower on the Pre-Instalment Interest Date(s);

“Pre-Instalment Interest Payment Date(s)” shall mean the date, if any, on which the Borrower shall pay the Pre-Instalment Interest;

“Prepayment Statement” or “Foreclosure Statement” shall mean the statement which shall be sent by the Lender to the Borrower, on
providing the written consent as per Clause 6.3 hereunder, which statement shall contain the terms and conditions of the prepayment of the
Outstanding Amount, or any part thereof by the Borrower;

“Purpose” shall have the meaning as specified in the Schedule;

“Repayment” shall mean the repayment and/or the prepayment of the principal amount of the Facility, interest thereon, Penal Charges
(defined below), costs and other charges, premium, fees or other dues payable in accordance with this Agreement. The words “Repay”, and
“Repaid” shall be construed accordingly;

“Repayment Schedule” shall mean the manner in which the Repayment shall be made by the Borrower including details like due dates,
instalment amount etc. prepared in line with the details specified in the Schedule to this Agreement as may be revised from time to time and
communicated to the Borrower. Any revision to the Repayment Schedule in terms of this Agreement shall be the applicable Repayment
Schedule and shall be deemed to have been incorporated in the Schedule and Schedule to this effect be deemed to have been modified;

“Restricted Party" means a person that is: (i) listed on, or owned or controlled by a person listed on, or acting on behalf of a person listed
on, any Sanctions List; (ii) located in, incorporated under the laws of, or owned or (directly or indirectly) controlled by, or acting on behalf
of, a person located in or organized under the laws of a country or territory that is the target of country-wide or territory-wide Sanctions; or
(iii) otherwise a target of Sanctions ("target of Sanctions" signifying a person with whom a US person or other national of a Sanctions
Authority would be prohibited or restricted by law from engaging in trade, business or other activities);
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

"Sanctions" means the economic sanctions laws, regulations, embargoes or restrictive measures administered, enacted or enforced by: (i)
the United States government; (ii) the United Nations; (iii) the European Union; (iv) the United Kingdom; or (v) the respective
governmental institutions and agencies of any of the foregoing, including, without limitation, the Office of Foreign Assets Control of the US
Department of Treasury ("OFAC"), the United States Department of State, and Her Majesty's Treasury ("HMT") or (vi) RBI or any other
Indian authority (together the "Sanctions Authorities");

“Sanction Letter” means the sanction letter as mentioned in the Schedule along with the Key Fact Statement, issued by the Lender and
accepted by the Borrower regarding the sanction of the Facility, as may be amended, modified, varied and supplemented including, any
subsequent sanction letter(s) issued by the Lender regarding the Facility from time to time;

“Sanctions List” means the "Specially Designated Nationals and Blocked Persons" list maintained by OFAC, the Consolidated List of
Financial Sanctions Targets and the Investment Ban List maintained by HMT, or any similar list maintained by, or public announcement of
Sanctions designation made by, any of the Sanctions Authorities;

“Security” shall have the meaning ascribed to it under clause 8.1 of this Agreement.

“Security Interest” means (i) any mortgage, charge (whether fixed or floating), pledge, lien, hypothecation, assignment, deed of trust,
security interest or other Encumbrance of any kind securing or conferring any priority of payment in respect of, any obligation of any
Person, including without limitation any right granted by a transaction which, in legal terms, is not granting of security but which has an
economic or financial effect similar to the granting of security under the Applicable Law, (ii) any voting agreement, interest, option, right
of first offer, refusal or transfer restriction in favour of any Person, and/or (iii) any adverse claim as to title, possession or use;

“Security Provider” means the Person(s) who provide(s) security in respect of the Facility, as more particularly described under the
Schedule;

“Taxes” means any present or future tax, levy, duty or other charge of a similar nature (including any penalty or interest payable on Escrow
Account or any failure to pay or delay in paying the same), now or hereafter imposed by law or by any Governmental Authority;

“Tenor” means the period specified in the Schedule;

“UGRO Reference Rate” shall mean the percentage rate of interest per annum decided by the Lender from time to time and
announced/notified by the Lender as the UGRO Reference Rate on its website or otherwise as the case may be.

2) Interpretation

In this Agreement, unless the context otherwise requires:

(a)Headings to parts, clauses and paragraphs are for convenience only and do not affect the interpretation of this Agreement.

(b) Reference to any statute/order/regulation shall include reference to that statute/order/regulation as amended, re-enacted or replaced from
time to time whether before or after the date hereof.

(d) Reference to an “amendment” includes a supplement, modification, novation, replacement or re-enactment and “amended” is to be
construed accordingly.

(e) Words denoting the singular shall include the plural and vice versa, and words denoting any gender include all genders.
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

(f) Reference to the word “include” or “including” shall be construed without limitation.

(g) References to a “person” shall include that person’s successors in title, executors, permitted transferees and permitted assignees and
references to a person’s representatives shall be to its officers, employees, legal or other professional advisors, sub-contractors, agents,
attorneys and other duly authorised representatives.

(h) In computation of time period from a specified date to a later specified date, the words “from” and “commencing on” mean “from and
including” and “commencing on and including”, respectively, and the words “to”, “until” and “ending on” each mean “to but not
including”, “until but not including” and “ending on but not including” respectively.

(i) Whenever any payment to be made or action to be taken hereunder, is required to be made or taken on a day other than a Business Day,
such payment shall be made, or action be taken on the immediately following Business Day.

(j) Where a wider construction is possible, the words “other” and “otherwise” shall not be construed ejusdem generis with any foregoing
words.

(k) A time of day is a reference to Indian time.

2. THE FACILITY AND PURPOSE

Borrower hereby agrees to borrow, and the Lender hereby agrees to lend the Facility to the Borrower, subject to the terms and conditions of
the Financing Documents. The Borrower confirms that it shall utilize the Facility only for the Purpose. If in Lender’s opinion (which shall
be binding on the Borrower), the Facility is not used for the Purpose (provided that the Lender shall not be bound to enquire or be
responsible for the use of the Facility), the Lender shall have the right to declare it as an Event of Default (defined below).

3. DISBURSMENT CONDITIONS

3.1 Subject to this Agreement, the Lender may, at its sole discretion, disburse the Facility or any part thereof as per disbursement
request (in a form and manner acceptable to the Lender) made by Borrower to Lender any time during the Tenor. Borrower shall
ensure the following before making any such request:

1. no actual/potential Event of Default has occurred, is in existence and/or is continuing;

2. all the representations and warranties are correct, complete and are in full force and effect;

3. all Conditions Precedent have been fulfilled;

4. post disbursal conditions with respect to the previous Disbursement/s have been met (if any);

5. the Security (if any) has been validly created in form and substance acceptable to the Lender as per the terms of the Financing
Documents;

6. the Borrower is in compliance with the terms and conditions of the Financing Documents.

3.2 Notwithstanding any other provision hereof, the Lender, may at its sole discretion, cancel first and/ or any further/subsequent
disbursement of the Facility if, in the opinion of the Lender:

a) An Event of Default is likely to occur/has occurred/is continuing/threatened;

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b) Any representation and/or warranty is not correct, complete or is not in full force and effect;

c) Any event has occurred/is continuing which has/could result in a material adverse effect or constitute a Market Disruption Event; or

d) An Applicable Law restrains, prevents or imposes adverse conditions upon the transactions contemplated by the Financing Documents.

3.3 The fulfilment or satisfaction of any Condition Precedent may be waived or deferred in writing by the Lender, at its sole discretion,
following a written request from the Borrower setting out

(a) the Condition Precedent in respect of which the Borrower seeks a waiver/deferment, and

(b) the reasons for seeking such waiver/deferment.

3.4 The Borrower shall promptly give a written notice to the Lender, of the satisfaction of the Conditions Precedent along with
documentary evidence of such satisfaction by issuance of a Conditions Precedent satisfaction notice and if it becomes aware of any event/
circumstance which will/may prevent such satisfaction, it shall forthwith notify the Lender in writing.

3.5 Conditions Precedent

The Borrower shall fulfill each of the Conditions Precedent before the Disbursement within the timelines as prescribed under this
Agreement.

The Borrower shall ensure that the documents are provided and/or the conditions mentioned below are satisfied:

3.5.1 The Borrower assures to the Lender that, if applicable, it or Security Provider has absolute, clear and marketable title to the Security,
free from Encumbrance, any liability, charge/lien or from any litigation/court decree whatsoever, to be mortgaged by it or Security Provider
as security for the Facility and Lender is entitled to get the title of the immovable property checked/verified in the manner it deems fit at the
cost and risk of the Borrower.

3.5.2 The obligation of Lender to make any Disbursement under the Financing Documents shall be subject to the following Conditions
Precedent:

i) Borrower shall meet the minimum creditworthiness requirements as may be specified by Lender. For this purpose, the Borrower will
provide all the information and assistance required by the Lender so that the Lender may conduct any inquiries, as deemed fit and proper in
the Lender’s sole discretion, in this regard.

ii) No Event of Default has occurred or is likely to occur.

iii)The Borrower shall have satisfied the Lender about the (i) utilisation of the proceeds of any prior disbursement and (ii) proposed
utilization of the proceeds of the Disbursement after the sanction of Facility, within the time frame specified by Lender, along with the
request for release of part of the funds needed by the Borrower for the Purpose.

iv) No extraordinary or other circumstances shall have occurred which shall make it improbable for the Borrower to fulfill its obligations
under the Financing Documents.

v) If applicable and if required by the Lender, the Borrower shall and/or ensure that the Security Provider shall, prior to the disbursement of
the Facility, have executed all security documents and created Security including but not limited to registration of charge with the concerned
registrar of sub-assurances in the form and manner acceptable to the Lender and shall ensure appropriate filing of charge, if any, along with
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proper payment of stamp duty on duly executed instruments of Security.

vi) The Borrower shall satisfy the Lender to the effect that there is no action, suit, proceeding or investigation pending or threatened by or
against the Borrower, Guarantor or Security Provider (if any), before any court of law or Governmental Authority or any other competent
authority which might have material adverse effect on the affairs of the Borrower or Guarantor or Security Provider (if any).

3.5.3 Notwithstanding anything contained herein, in case any disbursement has been made, the Borrower shall continue to be under
obligation to repay along with interests and costs, the entire amount so disbursed in terms of the Financing Documents.

3.5.4 The Borrower, whenever required by the Lender, shall provide the following, in a form and substance satisfactory to the Lender:

i) Evidence that all consents, resolutions, approvals, authorizations and permissions required for availing of the Facility or for creation of
Security (if any) in favour of the Lender have been obtained;

ii) Certified true copies of the audited accounts of the Borrower;

iii) Evidence that all compliances under the Companies Act, 2013 or any other law as maybe applicable to the constitution of Borrower, has
been adhered to;

iv) Evidence that all Financing Documents shall have been properly stamped in compliance with law, executed fully and have come into
force as per their respective terms duly registered with the sub registrar of assurances or any other competent authority, in favour of the
Lender and the necessary security (if any) can be created in favour of Lender in the form and manner as acceptable to the Lender;

v) Evidence to show insurance cover on such Security (if any) has been obtained to the satisfaction of the Lender;

vi) Evidence, as may be deemed necessary by Lender, including but not limited to an undertaking and indemnity that the Facility or any part
thereof shall be used only for Purpose as disclosed by the Borrower;

vii) Such other documents as may be required by the Lender.

The Borrower also hereby agrees and undertakes to pay the complete stamp duty due on Financing Documents or any other document
related thereto and in the event of any deficiency or default thereof, the Borrower shall indemnify and keep the Lender indemnified from
and against any payment, losses and cost that the Lender has or may have incurred towards the same within 2 (two) days of demand.
Borrower undertakes to regularize the documents, if required, by the respective courts or collector of stamps, by paying the deficit stamp
duty and the amount of penalty as may be applicable. In the event, any litigation is initiated under this Agreement, Borrower agrees to
indemnify the Lender, within 2 (two) days of demand, from any loss, cost, expenses that it may incur or suffer in defending the litigation

3.6 Amortisation

3.6.1 The Borrower will amortise the Facility strictly as stipulated in the Schedule, subject to any other changes in such amortisation as
communicated later in writing by Lender to the Borrower. However, in the event of delay or advancement, for any reason whatsoever, in the
disbursement of Facility, the Due Date of payment of first Instalment shall in such case be the corresponding day of the following months to
the day currently stated in the Schedule or as communicated by the Lender to the Borrower.
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3.6.2 The Borrower shall also pay to Lender, the Pre-Instalment Interest as maybe applicable on the Facility under the terms of this
Agreement.

3.6.3 The Borrower agrees that the amount shall be remitted to Lender on each and every Due Date of the Instalments. In the event of any
dishonour of Payment Instrument, the Borrower agrees to pay a dishonour charge mentioned in the Sanction Letter read with the schedule of
charges, in addition to any Penal Charges that may be levied by Lender as per its discretion.

3.6.4 In the event of any variation in the date of payment of Instalments/the amount of Interest, principal or Instalments/the numbers thereof,
the Borrower undertakes to forthwith issue fresh PDCs/ECS/such other Payment Instruments as may be required by Lender.

3.6.5 Notwithstanding anything herein, Lender shall always have the right to review and reschedule the repayment terms of the Facility or
the outstanding amount thereof in such manner and to such extent as Lender may decide as per the Financing Documents. In such event/s the
Borrower shall repay the Facility or the Outstanding Amount thereof as per the revised Schedule as may be determined by Lender in its
sole discretion.

3.6.6 In case any amount is paid by the Borrower, unless otherwise decided by the Lender at its sole discretion, the same shall be
adjusted/appropriated in the following order of priority (i) Pre-Instalment Interest, (ii) other applicable interest, (iii) principal outstanding
and (iv) balance towards other charges under the Facility.

4. INTEREST

4.1 The Borrower shall pay Interest to the Lender in respect of the principal amount of the Facility outstanding from time to time and on all
fees, costs, commissions, Charges and other amounts due under or in respect of this Agreement under the Facility at the Applicable Interest
Rate. It is hereby clarified that the Lender may, in its discretion among other alternatives, require the Borrower to pay upfront the Pre-
Instalment Interest at Applicable Interest Rate or the Pre-Instalment Interest may be deducted from the amount of the Facility disbursed.

4.2 Interest shall be payable at Applicable Interest Rate (or such other rate as may be notified by the Lender from time to time) through such
Payment Instruments and in the manner specified and at such intervals specified under the Schedule. Lender shall give a prior written notice
to the Borrower in the event of any change in the Applicable Interest Rate and such modified Applicable Interest Rate shall be effective
prospectively.

4.3 The Applicable Interest Rate for the Facility may be fixed or floating as communicated by the Lender. In case of floating rate of interest,
it shall be calculated with reference to the UGRO Reference Rate and shall comprise of UGRO Reference Rate and spread (as may be
determined by the Lender from time to time). It is hereby clarified that the UGRO Reference Rate and the Applicable Interest Rate may
fluctuate/vary from time to time or as may be determined by the Lender in its absolute discretion.

4.4 In the event of default/deferment in the payment of any sum due hereunder on the part of the Borrower, in any manner
whatsoever or the Borrower committing any breach or default of any condition of this Agreement or Financing Document, the
Borrower shall pay to the Lender, penal charges at the rate as prescribed in the Schedule which will be calculated on a daily basis to
be charged on the overdue Instalment(s). Such charges shall be payable on and from the date of default till the date of rectification
of such delay or default (“Penal Charges”). The Lender’s right to claim such Penal Charges shall be without prejudice and in
addition to any other right available under the terms of this Agreement or under any other law in respect of such event of default.
Penal Charges shall accrue on day-to-day basis on the actual number of days elapsed and shall be calculated on an actual day count
basis, i.e., actual number of days elapsed divided by the actual number of days in the year, or such other methodology as specifically
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mentioned and communicated through the Sanction Letter. An illustration with respect to the computation of Penal Charges is
provided in Annexure II hereto.

4.5 In the event of revision of the Applicable Interest Rate, the Lender shall notify the same to Borrower and such notification shall form a
part of this Agreement. In the event the Borrower does not agree to such revision, the Borrower shall forthwith repay the Outstanding
Amount along with all the other charges as contained in the Sanction Letter as per sanctioned terms and conditions within 30 (thirty) days
from the date of intimation. In case if such repayment is not forthcoming within the said period, the Borrower shall be liable to service the
Facility in accordance with the revised Applicable Interest Rate.

4.6 The Borrower acknowledges that any sums, interest, default amount including but not limited to (i) the Prepayment Charges
and (ii) the Penal Charges, are reasonable and that they represent genuine pre-estimates of the loss which would be incurred by the
Lender in the event of prepayment or non-payment or default by the Borrower in accordance with the Financing Documents. The
Borrower waives any right it may have to raise any claim/defence in this regard.

4.7 The Borrower confirms, agrees and acknowledges that it has perused and understood the Lender’s method of calculating the Applicable
Interest Rate and further agrees and undertakes to abide by the same without any demur/objection.

4.8 The Borrower acknowledges that the Facility provided under this Agreement is for business purpose and the Borrower waives any
defences available under usury or other laws relating to the charging of interest.

5. DISBURSEMENT

The Facility can be disbursed by the Lender in one or more tranches in its sole and absolute discretion, subject to the terms contained in the
Sanction Letter and this Agreement. The Disbursement can be done by the Lender either in favour of/in the bank account of the Borrower or
in favour of/in the bank account of such person/entity who/which is specified by the Borrower in its request for Disbursement to the Lender.
Nothing contained herein shall be deemed to be a guarantee or an assurance on behalf of the Lender regarding Disbursement of the Facility.

1) Schedule of Disbursement

Subject to fulfilment of the Conditions Precedent and at the Lender’s discretion, the Facility shall be disbursed in single or in multiple
tranches as more specifically detailed in the Sanction Letter.

2) Mode of Disbursement

All payments to be made by the Lender to the Borrower under this Agreement shall be deposited in the bank account which is maintained
by the Borrower which maybe specified in the disbursement request, by way of Real Time Gross Settlement (RTGS)/Cheque/s duly
crossed and marked “A/c Payee Only” or such other manner as specified by the Lender in the Schedule and the collection charges, if any,
in respect of RTGS/cheque(s) and/or such other instruments as specified in the Schedulewill have to be borne by the Borrower. The Interest
on the Facility will begin to accrue in favour of the Lender from the date of realization/transfer of funds / and/or such other instruments as
specified in the Scheduleirrespective of the time taken for transit or for collection/realization thereof. Without prejudice to anything
contained herein, if necessitated by prevailing circumstances, the Lender shall be at liberty to use any other method or mode for
disbursement under this Agreement and if the same is not rejected by Borrower, then such disbursement shall be deemed to be accepted
disbursement and have same effect as any other Disbursement under the Agreement.

3)Other Charges
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The Borrower shall, on or before the date of the first drawdown/disbursal of the Facility, pay to the Lender the Charges as
specified by the Lender from time to time. The Borrower hereby agrees that any amount outstanding from his/her/its any other
loan/facility with the Lender may be deducted and/or adjusted from amount disbursed or held with Lender under this Agreement.

6. REPAYMENT / PREPAYMENT

6.1 Except as otherwise agreed by the Lender, the Borrower shall repay the amounts under the Facility outstanding from time to time on
each and every Due Date in an amount equal to the Instalment as specified in the Repayment Schedule provided that:

a. The Facility shall be repaid in full by the final repayment date as specified in the Repayment Schedule through such Payment Instruments
as specified in the Schedule;

b. The Lender shall be entitled to demand immediate repayment of the entire amount of the Facility outstanding if any portion of the
principal amount of the Facility or any interest due thereon is not paid as and when it is due; and

c. The Borrower shall repay the principal amount of the Facility along with Interest, Charges & costs under the Agreement free from and
clear of any deduction and/or set off on any account whether by operation of law or otherwise and any deductions shall be entirely borne by
the Borrower. It is hereby clarified that in case the Borrower has been sanctioned multiple facilities, there will not be any setoff without the
prior written consent of the Lender.

6.2 The Borrower shall be solely responsible to timely pay all costs, Charges as per Schedule together with applicable taxes and levies and
expenses of the Lender promptly as and when required to do so by the Lender and the Lender shall be under no obligation to provide the
Borrower with any notice, reminder or other intimation to the Borrower regarding its obligation to pay the same.

6.3 The Borrower shall at the request of the Lender provide to Lender, such number of undated, inchoate or other duly signed cheques or
other instruments as maybe required to towards the payment of the Outstanding Amounts. The Borrower confirms that it shall always ensure
that sufficient funds are available in the account to which the said cheque relate to enable the Lender to present the same and the account
remains operative at all times. In the event any signatory to any cheque ceases to be the authorized person for the said account, the Borrower
undertakes to immediately provide fresh cheque.

6.4 The Borrower may become entitled to prepay the Facility, after the expiry of such period as maybe specified in this regard under
the Sanction Letter, through such Payment Instruments as specified in the Schedule, only with the prior written consent of the
Lender, which shall be communicated by way of issuance of a Prepayment Statement (which may or may not be granted by the
Lender). If acceptable to Lender, then any prepayment shall be done strictly in accordance with the Prepayment Statement and
provided that any such prepayment shall be made subject to payment of any prepayment costs (“Prepayment Charges”) as specified
herein or in Sanction Letter.

6.5 If it becomes unlawful in any applicable jurisdiction for the Lender to perform any of its obligations as contemplated by this Agreement
or to fund or maintain or continue any Facility, the Lender shall promptly notify the Borrower upon becoming aware of that event and the
Lender shall be at liberty to not make any further advancement of amount under Facility and it shall be entitled to call in the entire
Outstanding Amounts forthwith and the Borrower shall on such date as the Lender may specify, without demur or dispute whatsoever,
repay the Outstanding Amount owing to the Lender in respect of the Facility.

7. INCREASED COSTS

If by reason of change in Applicable Laws or compliance with any requirement of any Governmental Authority, the Lender:
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a. incurs a cost because of it having entered into or performing its obligations under this Agreement; or

b. becomes liable to make any payment,

then the Borrower shall, from time to time on the Lender’s demand, promptly pay to it, amounts sufficient to indemnify the Lender against
all such costs. The Lender shall also be entitled to recover such increased cost, reduction in rate of return and any liability incurred by it by
deducting an amount equivalent to the same from the subsequent disbursal or drawdown to be made to the Borrower

8. SECURITY

8.1 In consideration of the Lender granting the Facility and to secure the repayment of the Outstanding Amounts, the Borrower agrees that
if required by the Lender, the Security Interest shall be created in Lender’s favour in the form and manner satisfactory to Lender, on the
asset/s as more specifically mentioned in the Schedule (“Security”).

8.2 The Borrower hereby agrees that it shall always, during the Tenor, ensure that the Security (if any) provided by the Borrower or
Security Provider (if any) is of such value as is sufficient to meet the security cover requirements of the Lender as specified in the
Schedule. In the event either the value of the Security deteriorates or the Lender advances further sum(s) to the Borrower under this
Agreement such that the value of the Security does not meet the security margin requirements of the Lender, then the Borrower shall
deposit with the Lender, additional security in the form acceptable to the Lender, failing which the Lender may at its discretion sell, dispose
of, or realize any or all of the Security without being liable for any loss or damage or diminution in value of the Security

8.3 The Security (if any) created/to be created by the Borrower/Security Provider in Lender’s favour shall be released by the Lender on
complete payment of the Outstanding Amounts and any other dues as prescribed hereunder.

8.4 The Borrower hereby agrees that the security (if any) furnished by the Borrower/ Security Provider (if any), pursuant to any other credit
facility granted by the Lender, its group companies or its affiliates to the Borrower, its group companies or its affiliates, may be extended as
a security towards the Facility extended under this Agreement at the Lender’s sole discretion, and the Lender shall also be entitled to utilize
the Security (if any) provided hereunder, towards any other credit facility granted by the Lender, its group companies or its affiliates to the
Borrower, its group companies or its affiliates, under any other agreement. The Borrower agrees to render all the necessary support and
execute such documents as may be required by the Lender for it to utilize the relevant security and exercise the rights available to it
hereunder or any other document or law or equity.

9. CO-LENDING ARRANGEMENT

9.1 Without prejudice to anything contained in this Agreement, the Lender reserves the right to enter into a co-lending arrangement (“
Arrangement”) with any bank or financial institution (“Bank”), in pursuance to and subject to applicable guidelines/circular/notification
issued by the RBI, from time to time, therefore whole or a part of the disbursed Facility might be taken over by the Bank in its books as per
the Arrangement

9.2 If Bank and Lender enter into an Arrangement with respect to Facility hereunder then subsequent to Bank taking its share of Facility in
its books, the Bank, for all purposes, shall become a co-creditor of the Borrower in form of a co-lending partner of Lender. Subject to the
terms of the Arrangement, all the duties, obligations, rights, benefits and entitlements of Lender as contained in the Financing Documents,
in addition to Lender, shall also inure to benefit of the Bank, and the extent, manner and form of exercising such duties, obligations, rights,
benefits and entitlements of Bank shall depend upon the Arrangement. The Borrower acknowledges all the probable implications of such
Arrangement on the Facility provided herein and Borrower’s responsibilities thereof.

9.3 If the Lender enters into an Arrangement with Bank, then the right to recovery or initiation of legal proceedings against the Borrower
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and all the remedies available can be exercised jointly or severally by the Lender and/or Bank, or by the Lender on behalf of the Bank or
vice-versa depending upon the terms of Arrangement. The rights and remedies available to the Lender and Bank under the law, the
Financing Documents or equity shall be in addition to each other. The manner, form and time of exercising the same will be as per the
discretion of the Lender and/or Bank.

9.4 The Borrower unconditionally accepts and acknowledges that it shall abide by the instructions issued by the Lender with respect to the
Facility upon Arrangement taking place between Lender and Bank. The Borrower also unconditionally accepts and acknowledges that
Lender may modify any term contained in Schedule by way of an intimation through a letter or a notice and the Borrower shall duly
comply with the same without any delay or demur.

10. ESCROW MECHANISM

The Borrower undertakes to make payments of the Outstanding Amounts into the bank account of the Lender designated for receipt thereof
, however, without prejudice to the aforementioned, the Lender reserves the right to make Borrower enter into an escrow mechanism for
such payments and to which Borrower unconditionally agrees to as under:

a. The Borrower may be required to open and maintain the Escrow Account during the entire or part of Tenor with the Account Bank as per
terms of this Agreement and/or the Escrow Agreement or just make the payments of Outstanding Amounts into the Escrow Account, as per
Lender’s directions.

b. If opened, Escrow Account shall not be closed without the Lender’s prior written approval. All costs, Charges, expenses, fees in
connection with the Escrow Account shall be borne by the Borrower.

c. If required by the Lender, the Borrower shall deposit/transfer all receivables in the Escrow Account at the end of the day of receipt of the
receivables.

d. Subject to the Applicable Law, the Lender shall be the joint signatory in the Escrow Account as per the Escrow Agreement until the
Facility is fully repaid. In the Event of Default and subject to Applicable Law, the Lender and/or Bank shall become entitled to create
charge (by way of lien or otherwise) over the bank account of Borrower as linked with Escrow Account and utilize the proceeds thereof
towards Outstanding Amounts or in any other manner as Lender may deem fit.

e. The Lender and/or Bank always reserve the right to make changes to Escrow Agreement with which Borrower shall duly comply.

11. CANCELLATION

Notwithstanding anything contrary contained in this Agreement:

a. The Borrower agrees that the Lender shall at any and all time, during the currency of the Facility, have an unconditional right to
terminate and/or cancel the unutilized or undisbursed portion of the Facility (whether in part or in full) at its sole discretion as well as
withdraw and/or recall or accelerate repayment of the disbursed Facility or any part thereof on the occurrence of any actual/potential Event
of Default whereupon, forthwith all Outstanding Amounts shall immediately become due and payable by the Borrower to the Lender.
Provided, no notice will be given by the Lender to the Borrower, where an Event of Default has already been declared.

b. The Borrower agrees that the Lender may, at any time, at its sole discretion, terminate, cancel, withdraw, recall or accelerate repayment
of the Facility or any part thereof without any liability and any obligation to give any reasons whatsoever, whereupon all Outstanding
Amounts shall immediately become due and payable by the Borrower to the Lender forthwith upon Lender’s demand.
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12. BORROWER’S REPRESENTATIONS AND COVENANTS

A. Representations

The Borrower hereby agrees, represents, warrants and undertakes to the Lender that for so long as any of the Outstanding Amounts are due
and payable, the Borrower shall ensure and confirm that:

(i) It is duly organised and validly existing under Applicable law and has the requisite legal power and authority to execute this Agreement
and carry out the terms, conditions and provisions hereof and the performance by the Borrower of this Agreement does not and will not
violate any Applicable Law, its constitutional documents, any judgment, order, decree, writ or Governmental Approval or any agreement
to which the Borrower is a party or by which it is bound or any consents, Governmental Approvals or waivers, as the case may be, of any
Person required to give effect to and complete the transactions contemplated hereunder;

(ii) The Borrower is carrying out or conducting its business and shall continue to do so as per Applicable Law and it will, at all times,
comply with and abide by all Applicable Laws;

(iii) The execution, delivery and performance hereof have been duly authorized by all necessary Government Approvals, permissions,
corporate action, consents, etc. under the laws applicable to the Borrower and the individual executing this Agreement and other ancillary
documents is duly authorized and duty-bound to do so and other ancillary actions and the agreement so executed and delivered would be
legally binding on the Borrower;

(iv) The Borrower and its authorized Persons executing this Agreement and other ancillary documents, confirm that all the representations
and warranties made by the Borrower thereunder and all other Financing Documents and information provided to the Lender are true and
correct and such authorized Persons, as the case may be, have checked the correctness of such representations and warranties;

(v) The Borrower has not taken any action, nor have any steps been taken or legal proceedings of any manner been initiated or threatened
against or notice been received by the Borrower for its incompetency to enter into a contract, winding-up, dissolution, administration,
reorganization, insolvency, bankruptcy, appointment of receiver, administrator or other court officer of the Borrower or all of any of its
assets, businesses or undertakings or for the appointment of any provisional liquidator or any interim resolution professional or resolution
professional in terms of the Code;

(vi) There is no restriction, action, suit, proceeding or investigation pending and/or continuing or to the knowledge of the Borrower
threatened by or against the Borrower itself or its property or its partners, directors, key managerial personnel, subsidiaries or group
companies before any court of law, Government Authority or other competent authority ;

(vii) The Borrower has and shall ensure that the Security Provider (if any) has obtained all Governmental Approvals for availing the Facility,
and creating Security (if any) and will at all times till the amounts due to Lender are paid in full and the Facility is fully Repaid, keep all
such Governmental Approvals;

(viii) No actual/potential Event of Default has occurred and/or is in existence or continuing;

(ix) All factual and other information provided to the Lender are true and accurate as at a date no earlier than the date on which it was
provided;

(x) The Borrower will promptly inform the Lender about any litigation, dispute, or any proposal by a regulatory body to acquire Security (if
any).
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(xi) The Borrower at any time has not received any notice or intimation regarding insolvency proceedings initiated against it or it being
incompetent to enter into a contract;

(xii) No proceeding is pending and/or initiated and/or threatened against the Borrower for or on account of any Taxes or any other sums,
which may be due and payable by the Borrower to the Government of India or to any State Government or Government Agency;

(xiii) Neither Borrower nor any of its Securities (if any) are or will be entitled to immunity from suit, execution, attachment or other legal
process initiated by Lender. This Agreement and other Financing Documents constitutes and exercise of its rights, performance and
compliance with its obligations in relation thereto, will constitute private and commercial acts done and performed for private and
commercial purposes; perfectly binding on the Borrower;

(xiv) There is no circumstance in existence, or which is likely to come into existence, which may affect the enforceability of the Security (if
any) or transferability of the Securities (if any) pursuant to enforcement of any such Security (if any) provided by the Borrower;

(xv) The audited annual accounts of the Borrower for the year(s) as may be specified by the Lender, have been prepared as per the
applicable accounting principles/standards in force consistently applied and give in conjunction with the notes thereto, a true and fair view
of the financial condition and position of the Borrower during the financial year then ended;

(xvi) There is neither material adverse change in the financial condition of the Borrower, nor has any event, which is/may be prejudicial to
the Lender’s interest and/or which is likely to materially and/or adversely affect the Borrower/Lender to perform all or any of its
obligations hereunder, taken place or in the Borrower’s estimation, is likely to occur;

(xvii) There are no charges or liens of whatsoever nature against any of the Borrower’s/Security Provider’s (if any) assets charged and/or
agreed to be charged in favour of the Lender;

(xviii) No facts, circumstances or events, materially detrimental to the borrowing, the ability of the Borrower to meet its obligations
hereunder and/or in respect of the Facility, and/or the financial condition of the Borrower, and/or the ability of the Lender to exercise its
rights hereunder and/or under the documents creating the Security (if any) and/or to receive due Repayment and payment of the amounts
due by the Borrower under the Facility, has occurred or, in Borrower’s estimation likely to occur;

(xix) The Borrower/Security Provider (if any) has interest, right, title or ownership over the assets comprising any Security(if any) and such
assets are free from any existing or potential Encumbrances; In Event of Default under this Agreement, the Lender will be able to enforce
such Security (if any) without any hinderance or objection from any person (whether individual/s or body corporate) including the
Borrower or its associates.

(xx) Neither Borrower’s nor any of his directors/associate/partner or key managerial persons or Guarantor or Security Provider (if any) has
ever appeared in the willful defaulters’ list, or any other list of defaulters published by the competent authorities from time to time;

(xxi) The Borrower will, at all times, comply with and abide by all Applicable Laws and directions, regulations, circulars and instructions
notified or issued by the concerned regulator from time to time including but not limited to all labour welfare related and environment
protection statutes and provisions and the Borrower shall engage only those contractors and service providers that comply with the same
requirements. All the environmental authorizations/permissions required under the Environmental Protection Act 1986 and other
environmental laws in India as applicable in relation to the business and operations of the Borrower have been obtained and maintained in
full force and effect and nothing has occurred or will occur in future, which might cause such environmental authorization/permission to be
revoked, suspended or amended;

(xxii) The Borrower shall comply with and conduct its business operations, and maintain its assets, equipment, property, leaseholds, and
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other facilities in compliance with all Applicable laws relating to the environment, labour laws and health and safety measures and the
Borrower shall engage only those contractors and service providers that comply with the same requirements. The Borrower shall be solely
responsible to ensure that it is always in compliance with Applicable Laws and that its activities shall not be in violation of any Applicable
Law. The Borrower shall maintain all required approvals relating to: (i) air emissions; (ii) discharge of surface water or ground water; (iii)
noise emissions; (iv) solid or liquid waste disposal; (v) the use, generation, storage, transportation, or disposal of toxic or hazardous
substances or wastes; and (vi) other environmental, health, or safety matters.

(xxiii) The Borrower shall comply with and shall conduct its business operations as per all the labour laws applicable in India including but
not limited to The Minimum Wages Act, 1948, The Factories Act, 1948, The Industrial Disputes Act, 1947, The Child Labour (Prohibition
and Regulation) Act, 1986 as amended from time to time and the Borrower shall engage only those contractors and service providers that
comply with the same requirements. Borrower also represents that it will ensure strict adherence to all the labour laws and implement the
policies as per the rules/guidelines/instructions issued by the Governmental Authorities therein.

(xxiv) The Borrower agrees and confirms that , neither the Borrower nor Guarantor, and none of their subsidiaries and, to the knowledge
of senior management of each Borrower or Guarantor, none of its affiliates and respective officers, directors, brokers or agents, acting in
their capacity on behalf of such Borrower or Guarantor or such subsidiary or affiliate (i) has violated or is in violation of or shall violate
any applicable anti-money laundering law; (ii) has engaged or engages in any transaction, investment, undertaking or activity that conceals
the identity, source or destination of the proceeds from any category of offenses designated in any applicable law; (iii) is a Restricted Party;
or has received notice of or is aware of any action or investigation against it with respect to any Sanctions by any Sanctions Authority; (iv)
directly or indirectly violated applicable anti-corruption laws or made, undertaken, offered to make, promised to make or authorized the
payment or giving of a prohibited payment; (v) used funds or other assets, or made any promise or undertaking in such regard, for the
establishment or maintenance of a secret or unrecorded fund; or (vi) made any false or fictitious entries in any books or records of the
Borrower, Guarantor or any member of the affiliates relating to any prohibited payment with respect to the transactions contemplated by
this Agreement or the other Financing Documents.

(xv) The Borrower and/or Security Provider (if any) will not seek to claim or recover from the Lender on any grounds whatsoever and/or in
any circumstances whatsoever, any purported damages or compensation, direct, indirect or consequential, for any acts or actions
whatsoever of the Lender in respect of Security (if any), taken or omitted by the Lender in terms hereof and/or pursuant hereto and/or to
protect any of its interests and rights as the lender or a creditor, and the Borrower and/or Security Provider (if any) hereby expressly waives
any right to seek or make any such claim or recovery on any grounds whatsoever;

(xvi) The Borrower hereby acknowledges to maintain sufficient security cover (if any) of such proportion of the amount financed by the
Lender, as specified in the Schedule hereunder during the Tenor or term of the Facility;

(xvii) The Borrower herby confirms that the fair value of the assets of the Borrower exceeds all of its aggregate liabilities whether under
this Agreement or under any other agreement or any business arrangement (ii) the Borrower has the ability to meet all of its obligations as
they mature under any business arrangement or any agreement; and (iii) the Borrower has sufficient capital to carry on its business.

(xviii) The Borrower confirms that all insurances coverage, in relation to its assets or security provider (if any, other than Borrower)
[including immovable property(ies)/plant and machinery /stocks] if provided to the Lender as Security (if any), have been obtained and are
in full force and effect and it has complied with all its obligations under the respective insurance contracts including payment of regular
insurance premium thereon, and no event or circumstance has occurred nor has there been any omission to disclose a fact which in any
such case would entitle any insurer to avoid or otherwise reduce its liability thereunder compared to the amount provided in the relevant
policy and insurance coverage provided by such insurance;

(xxix) The execution and delivery of the security agreement (if any) and documents to be executed in pursuance hereof, in Lender’s favour
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and the performance of the Borrower and/or Security Provider’s (if any) obligations thereunder does not and will not (i) contravene any
Applicable Law, statute, regulation or any judgment or decree to which the Borrower and/or Security Provider (if any) and/or its assets,
businesses and/or undertakings is subject, (ii) conflict with or result in any breach of, any of the terms or constitute default of any
covenants, conditions and stipulations under any existing agreement or contract or binding to which the Borrower and/or Security Provider
(if any) is a party or subject, or (iii) conflict or contravene any provision of the memorandum and the articles of association and/or any
constituting/governing documents of the Borrower and/or Security Provider (if any);

(xx) The Borrower will not utilize the Facility for any Purpose other than mentioned in the Schedule hereunder and the Security (if any)
will not be charged or Encumbered in favor of any other bank/financial institution.

(xxxi) The Borrower is neither owned nor controlled nor does it have any business relationship with any promoter, director, key managerial
personnel and/or the senior management of UGRO (as listed under the link ‘About U GRO’ on UGRO’s website www.ugrocapital.com
) or any of their relatives. Further, during the validity of this Agreement if it comes to the notice of the Borrower that there exists a
relationship with any of the promoters, directors, key managerial personnel and/or senior management of UGRO or any of their relatives, it
undertakes to inform UGRO accordingly on immediate basis.

B. Covenants and Undertakings

1. Affirmative Covenants

The Borrower hereby agrees, warrants and undertakes to the Lender and represents that for so long as any of the Outstanding Amounts are
due and payable, the Borrower shall:

i) Allow representative(s) and/or nominee(s) (including agent, investor, financier and any authorized personnel of the Lender) of the Lender
to enter into the premises of the Borrower in order to inspect and audit the property, books of account and other relevant accounts,
documents and records of the Borrower provided to the Lender for Borrower’s obligations hereunder, and the Borrower shall fully
facilitate/co-operate in this regard by making its personnel and such information/documents available during such inspection or audit and the
costs incurred thereby shall be borne by the Borrower.

ii) Furnish such information and/or documents required by Lender and execute in favour of the Lender and/or its nominee(s) such further
documents, forms, papers and/or any exhibit/schedule/annexure to this Agreement, as the Lender may in its absolute discretion require in
connection with the Facility. Such document shall form an integral part of this Agreement;

iii) Completely repay the Facility, Interest and costs thereon and all monies owing to Lender hereunder, according to the terms of this
Agreement and comply with any further instruction as maybe issued by the Lender from time to time in this regard;

iv) Promptly notify the Lender of any change in the Borrower’s address, phone number, employer name, email address;

v) Provide to the Lender all the documents and information as may be requested by the Lender from time to time in terms of the Know Your
Customer (“KYC”) guidelines issued under any applicable laws or by any regulator/government authorities and keep the same updated at all
times during the validity of the Financing Documents;

vi) Immediately notify Lender upon becoming aware of any actual/potential Event of Default or inform the lender of any occurrence of
event or incident of which it becomes aware which might adversely affect the Borrower or affect its ability to pay any amount when due or
perform its obligations under this Agreement and/or in respect of the Facility;
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vii) Promptly inform the Lender of any material deviation or change in any other information submitted by the Borrower to the Lender at
any time before or after entering into this Agreement;

viii) Pay regularly all taxes, assessments, dues, duties, levies and impositions as may, from time to time, be payable to any Governmental
Authority;

ix) At its own cost and expense keep all immovable property(ies)/plant and machinery/stocks of the Borrower or Security Provider (if any,
other than Borrower) which have been provided to the Lender as Security (if any) in respect of Borrower’s obligations under this Agreement
fully insured against such risks, and for such amount(s) and for such period and in such form(s) as the Lender may from time to time require,
either in the joint names of the Lender and the Borrower, or with the Lender named as loss payee therein, with such reputable insurer(s) as
the Lender shall approve in writing. The Borrower shall deposit with the Lender all such insurances along with any cover notes and receipts
evidencing payment of premia etc.

x) In relation to such insurances as are required to be maintained pursuant to this Agreement, the Borrower shall make punctual payment of
all premia to be paid in relation to such insurances and shall not do or suffer to be done any act which may invalidate such insurance.

xi) In the event the Borrower becomes entitled to make any claims under the above insurances, promptly make a claim under such
insurances, and apply all monies received either in reinstatement of the property(ies)/plant and machinery/stocks insured or towards
repayment of the Outstanding Amounts.

xii) If the Borrower fails to insure and/or keep insured any of the [property(ies)/plant and machinery/stocks] provided to the Lender as any
Security (if any) the Lender shall, without prejudice to its rights and liabilities under this Agreement or at law, be at liberty to insure and
keep insured any of the above [property(ies)/plant and machinery/stocks] and the Borrower shall on demand repay the Lender all fees,
costs, commissions and Charges incurred by the Lender in doing so.

xiii) Promptly inform the Lender about any occurrence, event, incident, litigation, arbitration, investigative, regulatory or administrative
proceeding/action having a material adverse effect on the condition, assets, operations, prospects or business of the Borrower, its ability to
perform and comply with its obligations in respect of the Facility, the validity, legality or enforceability of, or the rights or remedies of the
Lender under this Agreement or any other document in relation to the Facility and the validity, legality or enforceability of any Security (if
any) or on the priority or ranking of such Security (if any).

xiv) Deliver to the Lender as soon as the same becomes available:

(a) but in any event within 30 (thirty) after the end of each half of its financial years, its unaudited financial statements for that financial half
year and for end of each of its financial years, audited financial statements for that financial year; and

(b) any other statement or statements or information pertaining to the operations of the Borrower as the Lender may reasonably require,
within such period as required by the Lender.

xv) Maintain adequate and proper books, accounts and records in accordance with generally accepted/applicable accounting principles,
standards and practices, consistently applied;

xvi) Perform, on Lender’s request, acts necessary to carry out the intent of this Agreement.

xvii) Promptly inform the Lender of any distress or other process of court being taken against any of the Borrower’s premises/assets;

xviii) Promptly inform the Lender of any change taking place in the ownership or control of the Borrower whereby the effective beneficial
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ownership or control of the Borrower will materially change;

xix) Without prejudice to the Borrower’s obligations hereunder, it shall furnish to the Lender:

(a) within six months after the close of each of the Borrower’s fiscal year or such other period as reasonably required by the Lender, a copy
of the annual report of the Borrower, certified by a chartered accountant of recognized standing, acceptable to the Lender together with
financial statement consisting of a balance sheet and profit and loss account as of the end of such fiscal year;

(b) any other publicly available information and statements respecting the financial condition and operations of the Borrower as the Lender
may from time to time reasonably request.

xx) Comply and shall cause each other Security Provider (if any) to comply in all material respects with all applicable anti-money
laundering laws and shall not engage in any transaction, investment, undertaking or activity that conceals the identity, source or destination
of the proceeds from any category of offenses designated in any applicable law.

xxi) Comply with all Conditions Precedent and the Schedule.

2. Negative Covenants

a. For so long as any of the Outstanding Amounts are unpaid, the Borrower shall not:

(i) Create or permit to subsist any Encumbrance or charge over all or any of the charged assets of the Borrower or take any action which
may materially impact Borrower’s ability to pay any amount when due or to perform its obligations under this Agreement and/or in respect
of the Facility;

(ii) Effect any merger, amalgamation, reconstruction or consolidation or effect any change in its constitution or effect any material change in
the management/ownership of the Borrower;

(iii) Stand as surety for anybody or guarantee the repayment of any loan or overdraft or the purchase price of assets.

(iv) Change its existing accounting methods or policies followed by it as on the date of execution of this Agreement, during the currency of
Facility unless otherwise required in terms of the prevailing Applicable Law or change in Applicable Law;

(v) In case the Borrower is a Company;

i. Declare or pay dividends in respect of any financial year if an Event of Default has occurred or is continuing or in case there is an asset
liability mismatch in the books of the Borrower;

ii. make any amendments to the ‘objects’ clause in its memorandum or make any changes into its constitutional documents.

b. For so long as any of the Outstanding Amounts are still outstanding, Borrower shall not utilise the Facility for:

(i) Investments in any company/entity by way of shares, debentures, etc.

(ii) Subscribing to Initial Public Offerings (IPOs) and for purchase of shares from secondary market.

13. EVENT OF DEFAULT

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13.1 Event of Default

An event of default means the occurrence of any of the events specified in this Clause (‘Event of Default’) as below:

13.1.1 The Borrower fails to make payment of Outstanding Amounts on Due Dates;

13.1.2 If any event has occurred which, in Lender’s opinion, dilutes or jeopardizes the Security (if any), or is likely to adversely affect
Borrower’s ability to perform its obligations under any Financing Document;

13.1.3 Breach of/non-compliance with any of the terms and conditions of any Financing Document;

13.1.4 The NACH or ECS or UPI e-mandate registered for repayment of Facility is deactivated by the Borrower;

13.1.5 If the Borrower defaults/threatens to default, in discharging its liability, under any other agreement or other writing between the
Borrower and the Lender, its subsidiaries or affiliates, or under any other agreement or writing of indebtedness of the Borrower, or under
any other agreement with the other creditors or in the performance of any covenant, term or undertaking thereunder, or any indebtedness of
the Borrower not being paid when due or any creditor of the Borrower becoming entitled to declare any indebtedness due and payable prior
to the date on which it would otherwise have become due or any guarantee or indemnity or collateral given or other support agreement
entered into by the Borrower not being honored when due and called upon;

13.1.6 Any fraud and/or misrepresentation and/or suppression of any material fact/essential information by the Borrower;

13.1.7 If any Governmental Authority has condemned, nationalized, seized or otherwise expropriated the assets that form part of Security (if
any) or any substantial assets/property of the Borrower;

13.1.8 Any step taken, or proceedings started for Borrower’s dissolution under the Code, or winding-up or for the appointment of a receiver,
judicial manager, trustee or similar officer for the Borrower in any manner whatsoever;

13.1.9 Initiation of the creditors process/any arrangement with any creditors with respect to the Borrower;

13.1.10 A receiver is appointed over the whole or any part of the property of the Borrower;

13.1.11 Borrower ceases to carry on its business or changes object clause of its memorandum of association without Lender’s prior written
consent;

13.1.12 If there is any failure on Borrower’s part to pay on any judgment or court order unless pending appeal;

13.1.13 In case in the opinion of the Lender, there has been a material adverse change in any of the Borrower’ business or financial
condition, such as:

(i) if it is certified by a firm of accountants appointed by the Lender (which the Lender is entitled and hereby authorised to appoint at any
time) that the liabilities of any Borrower exceed its respective assets or that Borrower is carrying on its business at a loss;

(ii) sale or curtailment or closure of Borrowers’ business;

(iii) adverse action by any regulatory authority;

(iv) action by any class of stakeholders which is likely to significantly impair any of the Borrowers’ business; and
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(v) any other event which in the opinion of the Lender is likely to have an adverse effect on the business or business environment of the
Borrower.

13.1.14 Any material litigation or proceedings instituted or order passed or penalty / liability levied against the Borrower;

13.1.15 There occurs any event or situation, (including happening of an event which, in the Lender’s opinion, is an event not in the control
of the borrower) including any material adverse change as determined solely by the Lender in business or financial or other condition or
operations or prospects of the Borrower, which in Lender’s sole opinion is prejudicial to the interests of the Lender or is likely to materially
affect the financial condition of the Borrower and/or its ability to perform all or any of its obligations under this Agreement and/or otherwise
in respect of the Facility and to comply with any of the terms of this Agreement and/or for the Facility

13.1.16 If it becomes unlawful in any applicable jurisdiction for the Lender to perform any of its obligations as contemplated by this
Agreement or to carry on its business or to fund or maintain or continue any Facility;

13.1.17 There is any material change in the ownership or management of the Borrower which in the sole opinion of Lender would
prejudicially affect the interest of Lender;

13.1.18 The Borrower repudiates this Agreement or does or causes to be done any act or thing evidencing an intention to repudiate this
Agreement or non-performance of its obligation under this Agreement (whether voluntary or involuntary);

13.1.19 Any document for creation of the Security (if any) in favour of the Lender is not in full force and effect or does not create in favour
of the Lender, the Security (if any) which it expresses to create with the ranking and priority it is expressed to have, including the due
compliance of the requirements of security perfection including but not limited to registration of charge with the concerned registrar of sub-
assurances, within such period as contemplated under this Agreement or otherwise allowed by the Lender, in its sole discretion and/or non-
submission of any of the documents referred to in the Schedule hereto or the occurrence of any act or circumstances which could, in the sole
determination of the Lender, jeopardize, in any way, the Security (if any);

13.1.20 If there is any deterioration or impairment of any Security (if any) or any part thereof or any decline or depreciation in the value or
market price thereof (whether actual or reasonably anticipated), which causes the Security (if any) or any part thereof, in the judgment of the
Lender to become unsatisfactory as to character or value;

13.1.21 If the property over which Security (if any) is created in favour of the Lender or any part thereof is sold or disposed of, let out, given
on leave or licence, pledged, hypothecated, transferred in any manner, charged in any manner whatsoever, Encumbered or otherwise
alienated or if any third-party interest is created therein in any manner;

13.1.22 The Borrower misuses the Facility or any part thereof, or uses the Facility or any part thereof for any purpose other than the
Purpose;

13.1.23 Any of the promoters/directors or persons holding key management positions (i.e., managing director/chief executive officer and/or
directors) of the Borrower is declared as wilful defaulter in RBI List of wilful defaulters or any other list of defaulters published by
competent authorities from time to time;

13.1.24 Any of the promoters and/or the directors of the Borrower are accused of, charged with, arrested, or convicted in a criminal offence
involving moral turpitude, dishonesty, bribery or which otherwise impinges on the integrity of such promoter and/or director, including any
accusations, material charges and/or convictions of any offence relating to bribery;

13.1.25 If the Borrower fails to inform the Lender of any actual/potential Event of Default;
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13.1.26 In the event there is a commencement of any action under any RBI guidelines, circulars, directions, etc. with respect to the Borrower
or any of its subsidiaries or holding company;

13.1.27 If the Borrower fails to comply with the Applicable laws including the regulations, directions, circulars and prudential norms
notified by the concerned Regulator.

The opinion of the Lender shall be final and conclusive and be binding on the Borrower for determination of whether any of the acts,
matters, events or circumstances mentioned herein above has occurred.

Lender shall be entitled to declare an Event of Default under this Agreement if there is an event of default under any other facility availed by
the Borrower, its affiliates or group companies from the Lender, its affiliates or group companies or availed from any other financial
institution even if the Borrower has performed all its obligations hereunder.

13.2 Consequences of Events of Default

13.2.1 Upon the occurrence of an Event of Default as set out in clause 13.1, the Lender shall have the right and shall take any or all of the
following actions:

a) To cancel any outstanding commitments and/or recall or accelerate repayments of the Facility;

b)To require the Borrower to mandatorily Repay the principal amount on the Facility, along with accrued but unpaid interest, prepayment
penalty and other costs, Charges and expenses incurred under or in connection with this Agreement and other Financing Documents and
other Outstanding Amounts;

c) To declare all or any part of the Outstanding Amounts to be immediately (or on such dates as the Lender may specify) due and payable
and ensure due payment thereof;

d) To commence legal proceedings to recover such sum, the Borrower will further pay the Lender all advances, Charges, cost and expenses,
including all legal fees, incurred or paid by the Lender in exercising any right, power or remedy conferred by this Agreement, (and/ or in the
enforcement thereof) and all such amounts shall become a part of the indebtedness secured hereunder and shall be paid to the Lender by the
Borrower immediately and without demand.

e) To enforce the Security and/or additional security pertaining to the Facility (if any), including but not limited to the substitution of the
Borrower/ sale of the land/ properties.

f) Appoint a nominee director on the board of the Borrower;

g) Exercise any other rights that Lender may have under the Financing Documents or under Applicable Law;

h) Utilise and appropriate any amount lying or credited in the accounts of the Borrower, for payment/repayment of Outstanding Amount, as
due and payable till the date of such Event of Default;

i) Transfer or appropriate the Security (if any) by sale or otherwise as the Lender may deem fit, to any other Person and utilize any surplus
realized from such transfer towards the fulfilment of all the obligations of Borrower under the Financing Documents and may pay the
surplus (if any) to the Borrower, after the satisfaction of obligations of the Borrower;

j) All money infused by promoter group in or to the Borrower will be retained with the Borrower and be subordinated in form of Security
(if any) to the Facility during the remaining part of Tenor or will be payable to promoter group only after the Facility is repaid in full
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K) To convert the loan from secured loan to unsecured loan by charging higher interest rate than applicable to a secured loan and
subject to other terms and conditions, as specified in the Schedule. In addition to that, the Lender reserves the right to charge any
fee, penalty as it may deem necessary at its sole discretion.

It is clarified that the Lender shall be entitled to exercise all its rights and remedies available to it under Applicable Law, in addition to
those under this Agreement and the other Financing Documents (jointly or severally) without any notice and without assigning any reason
thereof and at the risk and expense of the Borrower and if necessary, as attorney for and in name of the Borrower.

13.2.2 Cross Collateralization

The Borrower hereby undertakes and confirms that the Borrower shall execute any and all security documents as may be required by the
Lender to ensure that Security(ies) (if any) furnished by the Borrower, pursuant to any other credit facility granted by the Lender, its group
companies, its affiliates to the Borrower shall be extended as a Security(ies) (if any) towards the Facility extended under this Agreement.
Further, the Borrower also agrees to execute such security documents as may be required by the Lender to extend the security(ies) offered in
respect of this Facility towards other facility(ies) availed/to be availed by the Borrower from the Lender or any of its group companies.

14. ASSIGNMENT

14.1 Borrower shall not transfer/assign any of its rights or liabilities under any Financing Document to any Person without the Lender’s prior
written consent.

14.2 Borrower agrees that notwithstanding anything to the contrary contained in any Financing Document, the Lender shall have the right to
(in full or in part) assign, transfer, novate and/or otherwise securitize its rights or obligations under any Financing Document and/or enter
into any arrangement for risk sharing to one or more bank/s, financial institution/s or any other Person, as permitted under the Applicable
Law, without any reference or notice to the Borrower. However, the Borrower shall not claim any privity of contract with any such entity to
whom the rights or obligations under the Financing Document have been assigned/transferred/novated/securitized or with whom the Lender
has entered into any arrangement for risk sharing.

14.3 Borrower agrees that the Lender or its nominee may retain the Security Interest created on the Security (if any) pursuant to the Security
documents (or any part thereof) (if any) in trust and for the benefit of such assignee (and upon part assignment of the Facility, in trust and for
the benefit of both the Lender and such assignee on a pari passu basis), without requiring any consent or notice or making any reference to
the Borrower. Upon any such transfer or assignment, such assignee and the Lender, as the case may be, will be entitled to take any action,
including recovery and enforcement of the Lender’s rights hereunder, in its own name without making the Lender or the assignee, as the case
may be, a party thereto.

14.4 Without prejudice to Lender’s right to proceed against the Borrower under Applicable Law for recovery of Outstanding Amounts,
Borrower hereby consents that the Lender will be entitled, subject to Applicable Law, to recover the dues, assign the debt and/or securities
(if any) and/or initiate proceedings under any Applicable Law and the Borrower agrees to pay the Lender all cost, charges and expenses
incurred in connection thereto.

14.5 Borrower irrevocably and unconditionally confirms that it shall continue to be bound by the terms of the Financing Documents
notwithstanding such transfer or assignment by the Lender, and the Borrower shall duly comply with the instructions in respect of the
Facility as maybe issued by the Lender upon such transfer or assignment by the Lender.

15. COST, CHARGES, EXPENSES AND STAMP DUTY

15.1 The Borrower shall bear and promptly pay the following to the Lender:
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a) an upfront non-refundable processing fee as mentioned in the Sanction Letter and statutory levies thereon, but subject to tax deducted at
source as per Applicable Law, for the purpose of processing the Facility. The processing fee shall be paid at the time of disbursement of the
Facility itself for which purpose, the Borrower hereby authorizes the Lender to adjust the processing fee from the proceeds of the
disbursement. The processing fee is non-refundable and independent of disbursement/cancellation of the Facility by the Borrower;

b) all fees for the Lender’s services, Charges, all out of pocket, travelling and other expenses, incurred by Lender, its officers, employees or
agents in connection with the rights, remedies or powers of the Lender hereunder or any documents in connection with the Facility;

c) all legal fees for drafting and stamping of the Financing Documents, costs, Charges and expenses of the external legal counsel of the
Lender and all such sums incurred or paid by the Lender in connection with and incidental to these presents and incurred in connection with
the enforcement of any rights under any of the Financing Documents or for payment of any additional stamp duty or penalties in relation to
the stamp duty under any Financing Document, and for the benefit of the Lender for the protection and preservation of whole or part of the
Security (if any) and for the demand, realization and recovery of the Outstanding Amounts; and

d) all stamp duty, Taxes, Charges and penalties on any Financing Document.

15.2 The Borrower agrees to indemnify and keep the Lender indemnified at all times against any and all loss, costs, Charges, expenses,
penalties, liabilities resulting from delay or omissions to pay any stamp, registration and similar taxes or Charges. Such stamp,
registration and similar taxes or Charges (if not paid or reimbursed by the Borrower) shall be deemed to be the amounts outstanding
under the Facility.

15.3 If the Borrower fails in defraying the costs, expenses, Charges, duties or fees referred above as and when required, the
Lender may (but is not obligated to) make such payments on Borrower’s behalf. All such payments made by the Lender shall
be for Borrower’s account and the Borrower undertakes to promptly reimburse, on demand, the Lender or its authorized
agents, representatives, successors and assignees for any such monies so paid, together with interest thereon at the rate of
Applicable Interest Rate along with Penal Charges, if any applicable, until the date such amounts are actually reimbursed by
the Borrower. All such costs and expenses shall be part of the ‘Outstanding Amounts’ and shall be a charge on the Security (if
any) in priority to the charge securing the Facility.

16. INDEMNITY

The Borrower shall, without prejudice to any other right of Lender, indemnify and keep indemnified and forever save harmless the Lender,
within 3 (three) days of its demand, against all demands, claims, suits, actions, litigations, losses, penalties, damages, costs, liabilities,
charges, expenses, legal fees, etc., that may be suffered or paid by Lender, its directors, employees or agents or required to be incurred,
suffered or paid by Lender, its directors, employees or agents, on account of any event including without limitation, the occurrence of an
actual/potential Event of Default or any other breach of obligations by the Borrower in connection with the Facility and Security (if any);
For clarity, Lender shall not be required to incur any financial liability in the performance of any of its duties hereunder or in the exercise of
any of its rights or powers hereunder. The Borrower will not seek to claim or recover from Lender on any grounds whatsoever, any
purported damages or compensation, for any actions taken/omitted by the Lender hereunder, and/or to protect any of its interests and rights
and the Borrower expressly waives any right to seek or make any such claim or recovery on any ground whatsoever.

17. TAXES

17.1 If the Borrower is required by Lender, or under any Applicable Law to make any deduction or withholding towards, for or in
respect of any tax, the Borrower must:

a) pay to the Lender any additional amount as may be necessary to ensure that the Lender receives the full amount of the relevant
payment as if that deduction or withholding had not been made; and
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b) supply promptly to the Lender satisfactory evidence that it has accounted to the relevant Governmental Authority for the
withholding or deduction.

Provided that in case the Borrower provides a certificate, within the statutory timelines, evidencing payment of withholding taxes in
relation to any payments made to the Lender, it shall not be required to gross up the payments as provided under this clause.

17.2 The Borrower shall, during the Tenor, bear all interest tax as may be applicable or levied by a Governmental Authority in
relation to any Interest or other sum paid by the Borrower to the Lender under the Facility. If the Borrower is required to make any
deduction or if the Lender is required to make any payment on account of any interest tax (other than statutory deduction of taxes at
source, as applicable) in relation to any Interest or other sum payable to/received or receivable by the Lender hereunder, then the
Interest or sum payable by the Borrower to the Lender shall be increased to the extent necessary to ensure that after making such
payment/deduction, the Lender receives a sum equal to the sum which it would have received had no such payment or deduction
been made.

17.3 If there is, at any time, any incidence of any indirect taxes on the Lender directly attributable to the Facility, the Lender shall
notify the Borrower and shall be entitled to pass on such incidence to the Borrower. The Borrower shall make payment of such taxes
without demur. Notwithstanding the above, if the Lender makes payment of any such indirect tax, the Lender shall, be entitled to be
reimbursed for the same by the Borrower.

18. CONSTITUTED ATTORNEY

18.1 Borrower hereby appoints the Lender & its officers, employees, agents & authorised representatives to be its duly constituted
attorneys for all or any of the following purposes, upon the occurrence of an Event of Default, namely:

a) to sign all documents that the Borrower would be bound to do in pursuance of the Facility and/or the Security (if any) for
and on behalf of the Borrower and to attend before any competent authority and admit execution thereof;

b) generally, to do, perform or execute or cause to be done, performed or executed all acts, things and documents in all
matters arising under these presents as the Borrower could itself do, perform or execute;

c) effecting and performing several things including as aforesaid, and to appoint from time to time such other Persons, as the
Lender may think fit as its substitute(s) to do, execute or perform all or any such acts and things as aforesaid;

18.2 The Borrower agrees that the above powers may be exercised without any prior notice to it and further agrees to ratify all that
the Lender or any substitute(s) appointed by it may lawfully do or cause to be done in exercise of the aforesaid powers.

18.3 The Borrower agrees to give all assistance to the Lender & its officers, authorised representatives and substitute(s) for the
purpose of exercising any of the powers hereinabove

18.4 The Borrower agrees that the aforesaid powers have been granted for valuable consideration and as such shall be irrevocable in
nature till such time as any Outstanding Amount(s) remain due.

19. GOVERNING LAW, JURISDICTION AND ARBITRATION

Subject to the arbitration clause below, this Agreement and other Financing Documents shall be governed by the Indian laws. Any dispute
arising in relation to this Agreement shall be subject to the jurisdiction of the competent courts situated in Kolkata. However, this shall not
limit the right of the Lender to take proceedings in any other court of competent jurisdiction of its choice.
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All claims, disputes, differences or questions of any nature arising between the Parties, whether during or after the termination of this
Agreement, in relation to the construction, meaning or interpretation of any term used or clause of this Agreement or as to the rights, duties,
liabilities of the Parties arising out of this Agreement, shall be resolved through arbitration, which shall be administered by an institution
recognized by the government of India for dispute resolution, such institution will appoint the arbitrator for conducting the arbitration
proceedings in accordance with its rules for conduct of arbitration proceedings under the Arbitration and Conciliation Act, 1996, as may be
amended from time to time. The arbitration proceedings shall be conducted preferably through online means or otherwise through
conventional means in English language. The arbitral award shall be final and binding on the Parties. The seat and venue of arbitration (if
conducted through conventional means) shall be at Kolkata. The cost of arbitration shall be borne by the Borrower.

20. MISCELLANEOUS

20.1 Notices: Any notice to be provided by each Party shall be in writing, signed by an authorized officer, and shall be sent by post, letter or
email to such address, email id or number as mentioned below or to such other contact details as may be notified by the Parties from time to
time. Notices shall be deemed to have been delivered on the earlier of the actual date of delivery or 7 (seven) Business Days following
dispatch.

Address of the Borrower:

As mentioned in the Schedule

Address of the Lender:

UGRO Capital Limited, 4th floor, Tower 3, Equinox Business Park, Kurla West, Mumbai- 400070

Email: customercare@ugrocapital.com

The Borrower agrees that all correspondence sent by the Borrower to the Lender are sent at the Borrower’s risk, and the Lender does not
assume any responsibility for any inaccuracy, interruption, error, delay or failure in transmission or delivery whether sent by post,
telegraph, cable, telex, email or any other form of written or electronic communication.

20.2 Severability: Any provision hereof which is unenforceable in any jurisdiction shall, in such jurisdiction, be ineffective only to the
extent of unenforceability and it shall not invalidate the remaining Agreement or affect such provision in any other jurisdiction.

20.3 Disclosure

20.3.1 The Borrower hereby agrees that as a pre-condition of the Facility given to the Borrower, if the Borrower commits default in the
Repayment, the Lender and/or the RBI will have an unqualified right to disclose or publish the Borrower’s name as defaulter in such manner
and through such medium as they, in their absolute discretion, may think fit. Accordingly, the Lender shall have the right to publish the
Borrower’s name as defaulter to the public at large or any Governmental Authority. The Borrower also accepts that as a pre-condition of the
grant of Facility, the Lender requires its consent to make certain disclosures in relation to it including information and data relating to it, any
credit facility availed of/to be availed of by it, obligations assumed/to be assumed by it in relation thereto and default, if any, committed by
it in discharge thereof. Accordingly, the Borrower hereby gives consent to the disclosure by the Lender of all or any such information
relating to the Borrower:

(a) in relation to any credit facilities including the Facility, and the Borrower’s obligations in any credit facility, for the purposes of credit
reference checks, verification, etc; and
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(b) in case of default, if any, committed by the Borrower hereunder, any other information that the Lender may deem appropriate and
necessary, to disclose and furnish to RBI, any Credit Information Agency and/or any other agency authorized in this behalf by the RBI or
any other Governmental Authority.

20.3.2 The Borrower declares that the information furnished by it to the Lender is/shall be true and any Credit Information Agency and/or
any other authorized agency may use, process and disseminate the said information as deemed fit by them and may furnish for consideration
such processed information to banks/financial institutions and other entities as maybe specified by the RBI.

20.3.3 The Borrower hereby gives specific consent to the Lender for disclosing/submitting the ‘financial information’ as defined in Section
3 (13) of the Code read with the relevant regulations/rules framed thereunder in respect of the Facility, from time to time, to any
‘Information Utility’ (“IU”) as defined in Section 3 (21) of the Code, in accordance with the relevant regulations framed under the Code,
and directions issued by RBI from time to time and hereby specifically agree to promptly authenticate the financial information submitted by
the Lender, as and when requested by the concerned IU.

20.3.4 The Borrower hereby consents to the Lender, its officers and agents disclosing information relating to it and its current bank account
or Escrow Account, account(s) and/or dealing relationship(s) with the Lender, including but not limited to details of its facilities, any
security taken, transactions undertaken and balances and positions with the Lender, to:

(i) the Lender’s head office, any of its subsidiaries or subsidiaries of its holding company, affiliates, representative and branch offices in any
jurisdiction (together with the Lender, the “Permitted Parties”);

(ii) professional advisors & service providers of the Permitted Parties who are under a duty of confidentiality to them;

(iii) any actual or potential assignee, novatee, transferee participant or sub-participant in relation to any of the Lender’s rights and/or
obligations under any agreement (or any agent or advisor of any of the foregoing);

(iv) any rating agency, insurer or insurance broker of, or direct or indirect provider of credit protection to any Permitted Party; and

(v) any court or tribunal or regulatory, supervisory, Governmental or quasi-Governmental Authority with jurisdiction over the Permitted
Parties.

20.4 Lender’s records to be accepted by Borrower: The records maintained by the Lender or a certificate in writing signed by an officer
of the Lender or a system generated electronic certificate shall be the final, conclusive and binding proof for the amounts due from the
Borrower in respect of the Facility.

20.5 Engagement of third parties: The Borrower expressly recognizes and accepts that the Lender shall, without prejudice to its right to
perform such activities itself or through its officers or employees, be entitled and has full power and authority to appoint one or more third
parties as Lender may select and to delegate to such third party all or any of its functions, rights and powers under this Agreement and to
perform and execute all lawful acts and things connected therewith. For the aforesaid purpose, Lender shall be entitled to disclose to any
such third parties all necessary information pertaining to the Borrower and the Facility, and the Borrower hereby consents to such disclosure.
Notwithstanding above, in the event of Borrower committing any act of default, the Borrower expressly accepts and authorizes Lender to
contact any third parties as Lender may select and disclose all necessary and relevant information pertaining to the Borrower and the
Facility.

20.6 Waiver: No delay by Lender in exercising or not exercising any right, power or remedy available to the Lender shall impair such right,
power or remedy or shall be construed as its waiver. Any single or partial exercise of any right, power or remedy by the Lender shall not
preclude further exercise thereof. Any waiver by Lender will be effective only if it is in writing.
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20.7 Lien and Set-off: The rights, powers and remedies given to the Lender by this Agreement shall be in addition to all rights, powers and
remedies given to the Lender by virtue of any other Security (if applicable), statute, law or equity. Lender may exercise a banker’s lien or
right of setoff with respect to any obligation of the Borrower and shall have a lien on all property or securities (if any) of the Borrower in
the Lender’s possession or custody. Without prejudice to the above, the Borrower expressly agrees that in the event of the Borrower failing
to completely repay the Outstanding Amounts, in addition to any general or specific lien to which the Lender may be entitled by Applicable
Law, the Lender shall, without prejudice to any of its specific rights under this Agreement, be at liberty to apply any other money or amounts
standing to the credit of the Borrower in any account with the Lender towards repayment of the Outstanding Amounts, after giving a prior
written notice to the Borrower, on happening of any Event of Default or if upon demand by the Lender the said dues are not repaid within the
prescribed time. In case of any deficit, the deficit amount may be recovered by the Lender from the Borrower. The joint account holder/s to
such monies, securities (if any), deposits and other assets is/are aware of, and have no objection to (a) the Facility applied for, (b) the
Facility terms, (c) using such monies from the joint accounts for Repaying the Outstanding Amounts, and (d) the Lender’s rights of set off in
the event of default hereunder. It shall be the Borrower’s sole responsibility and liability to settle all disputes/objections with such joint
account holders, if so required, and the Lender shall be well within its rights to exercise the right of set off against any money lying in any
account/deposit/bond/other assets held singly or jointly, for settlement of dues.

Notwithstanding anything contained in this Agreement, the Borrower agrees that in the event of multiple loans availed by the Borrower or
its affiliates from the Lender or its affiliates, if there is an event of default under any of the loans availed, the Lender, after giving a prior
written notice to the Borrower, shall be entitled to adjust any amount standing to the credit of the Borrower in the form of either repayment
of any of the other loans or any other payment, towards such defaulted loans.

20.8 Sanction Letter: The Sanction Letter forms part of this Agreement and shall be read in conjunction herewith. In case of any
inconsistency between Sanction Letter and this Agreement, the Sanction Letter shall prevail to the extent of inconsistency.

20.9 Entire Agreement: This Agreement constitutes the entire agreement between the Parties about the subject matter hereunder and shall
replace all previous agreements/documents/understanding between them in that respect. Borrower has not relied on any representation/
warranty by or on the behalf of Lender, except as set out in Financing Documents.

20.10 Survival of Rights: The provisions related to repayment, event of default, representations, covenants, indemnity, notices, governing
law, jurisdiction and arbitration, survival of rights and other clauses which by their nature are intended to survive, shall survive termination
or expiry of this Agreement.

20.11 Benefits: The terms and provisions of this Agreement shall be binding upon, and the benefits & obligations hereof shall inure or pass
on to the Lender's successors and assigns, and Borrower's successors and permitted assigns.

20.12 Liability of Co-Borrowers: In the event of there being more than one Borrower, the liability of each Co-Borrower hereunder shall
be co-extensive as that of the Borrower. Each Co-Borrower shall have same extent of liabilities and in the Event of Default, the liabilities of
the Borrower(s) and Co-Borrower(s) shall be cumulative towards the Lender and the Lender, at its discretion, may proceed against any or
all of the Borrower or Co-Borrowers.

20.12 Acceptance: The Borrower agrees and acknowledges that this entire Agreement, duly filled in
schedules/annexures/letters/undertakings hereto, Sanction Letter and other Financing Documents have been explained to the Borrower in the
language understood by it, and it has understood the entire meaning thereof and shall be bound by the same. Any act of acceptance of the
terms contained herein or token thereof (including acceptance through facsimile or electronic transmission) by the Borrower (in a manner
acceptable to the Lender) may be considered as due and proper execution of this Agreement on the part of the Borrower. The Borrower
hereby warrants the genuineness of the signatures of the authorized signatories of the Borrower, or each of the Borrowers in the event of
there being more than one Borrower.
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20.13 Counterparts: The Agreement may be executed in any number of counterparts, each of which shall constitute an original and all of
which together shall constitute one and the same instrument.

20.14 Status of the Agreement: : The Borrower and Co-Borrowers agree(s) that their obligations hereunder are absolute and unconditional
and shall not be affected by any circumstance, which otherwise might, prior to the satisfaction of those obligations, operate to release or
constitute a discharge or otherwise exonerate the Borrower from its obligations hereunder or affect such obligations, with the intent that the
Borrower’s obligations under this Agreement shall remain at all times in full force and effect until payment of the amounts due under this
Agreement have been made in full and all obligations of the Borrower under this Agreement have been fully discharged to the satisfaction of
the Lender.
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Exhibit A

Additional Terms and Conditions

1. Subject to the terms and conditions mentioned in this Agreement and the documents in relation to the Facility, the Borrower shall submit a
disbursement request to the Lender for disbursement of the Facility and the Lender may, at its sole and absolute discretion, disburse the
Facility upfront in full or in parts/stages.

2. The Borrower accepts that the Lender shall, without prejudice to its right to perform such activities itself or through its officers or
employees, be entitled to appoint one or more third parties as the Lender may select and to delegate to such third party(ies) all or any of its
functions, rights and powers under this Agreement including without limitation right to collect, receive and recover on behalf of the Lender,
from the Borrower any payments and other amounts due by the Borrower under this Agreement and to perform and execute all lawful acts,
deeds, matters and things connected therewith and incidental thereto. Lender shall be entitled to disclose to any such third party(ies) all
necessary and relevant information pertaining to the Borrower and the Facility hereunder and the Borrower hereby consents to such disclosure
by the Lender.

3. In the event of any issue, complaint or grievance faced by the Borrower pertaining to the Facility hereunder before, during or after the
disbursement of the Facility, the Borrower shall have the right to raise the same with the Lender. The Lender shall be responsible to redress
any grievance of the Borrower irrespective of the Lender’s relationship with or involvement of any partner/third party at any stage of the
Facility. The Borrower shall submit to the Lender, true and accurate information in relation to the complaint without any misrepresentation or
suppression of facts or mala fide intention. The Borrower shall render all necessary support and provide all the information and records, as
may be required by the Lender to redress the grievance. The Borrower may raise the issue with the customer service team of the Lender
through the following modes:

Email: customercare@ugrocapital.com

Phone Number: 1800-202-8476/ 022 4182 1600

Address for post: UGRO Capital Limited, Equinox Business Park, Tower 3, Fourth Floor, Off BKC, LBS Road, Kurla, Mumbai, Maharashtra
- 400070

In case the issue, complaint or grievance is not resolved within 7 (seven) working days from the date of receipt of the same, the Borrower may
escalate the subject matter in accordance with the escalation matrix provided in the grievance redressal mechanism of the Lender, as available
on its website and as updated from time to time. The link of the grievance redressal mechanism is as follows:

https://www.ugrocapital.com/investor-relations/corporate-governance#subcategory-policies

4. The Borrower represents that it does not have any person whose name appears in the list of wilful defaulters (“LWD”) published by the
competent authorities from time to time, on its board or in charge and responsible for the management of its affairs and agrees that it shall not
induct any such person on its board or in charge and responsible for the management of its affairs. If it does so, it shall be considered as an
Event of Default under this Agreement and the Lender shall, wherever warranted, initiate legal action against the Borrower/guarantor for
foreclosure/recovery of dues expeditiously as per the terms of this Agreement without prejudice to any other remedy hereunder or under law
or equity.

5. Under no circumstances shall the Lender renew/enhance/provide fresh credit facilities or restructure existing facilities provided to the
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Borrower so long as the name of its promoter and/or director and/or the person in charge and responsible for the management of its affairs
remains in the LWD.

6. The Lender shall be entitled to monitor the end use of Facility and obtain certificate from the Borrower certifying that the Facility has been
utilised for the purpose for which it was granted. In case of wrong certification by the Borrower, it shall be considered as an Event of Default
hereunder and the Lender shall be entitled to initiate appropriate legal proceedings, including criminal proceedings wherever necessary,
against the Borrower, without prejudice to any other remedy hereunder or under law or equity.

7. In the event Lender observes any falsification of accounts on the part of the Borrower and Borrower’s auditors are considered to be
negligent or deficient in conducting the audit, the Lender shall be entitled to lodge a complaint against them with the National Financial
Reporting Authority (NFRA)/Institute of Chartered Accountants of India (ICAI)/any other appropriate regulatory authority to enable them to
examine and fix accountability of such auditors.

8. If the Lender desires a specific certification from the Borrower’s auditors regarding diversion/siphoning of funds by the Borrower, the
Lender shall award a separate mandate to the auditors for such purpose and the auditors shall comply with the same.

9. Without prejudice to the above, the Lender is free to engage its own auditors for specific certification with respect to preventing
diversion/siphoning of funds by the Borrower, without relying on certification given by Borrower’s auditor.

10. The Lender shall also be entitled to commission a forensic audit of the affairs of the Borrower and its books of accounts, in respect of
accounts with an outstanding above a threshold fixed by the board approved policy of the Lender.

11. While the Lender shall have a right to audit and inspect the Borrower, its premises and documents at Lender’s sole and absolute discretion
at any time, in the event there is a suspicion/indication of wrongdoing or fraudulent activity as determined by the Lender, it may conduct
external or internal audit of the Borrower, its affiliates, group companies or related parties and Borrower shall render all necessary support and
provide all documents as may be required by the Lender in this regard. In case the Borrower’s account is identified as fraud, the borrowing
accounts of other group companies, in which one or more promoter(s)/whole-time director(s) are common, shall also be subjected to
examination by the Lender.

12. The Borrower acknowledges that the Lender is entitled to avail any guarantee from any person or institution or government or authority or
to enrol itself into any scheme providing a guarantee as a security against the Facility including without limitation Credit Guarantee Fund
Trust for Micro and Small Enterprises (CGTMSE) and consents to the Lender for doing so at any time during the continuance of the Facility
under this Agreement.

This Exhibit A shall form an integral part of this Agreement and shall be read in conjunction with this Agreement and all the documents in
relation to the Facility hereunder
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Schedule
(Forming part & parcel of Agreement)

Date of Agreement ____________

Place of Agreement Sikar - SIKAR MICRO
Location of the Lender’s Office/Branch: SIKAR MICRO-SIK001

Borrower(s) Details
Borrower Details
a) Name RAVI HAIR DRESSER
b) Residence Address
Ward No 15 Madhan Market Shrimadhopur Nalot Jorawar Nagar 332715
c) Registered Office Address
Sikar RAJASTHAN
Ward No 15 Madhan Market Shrimadhopur Nalot Jorawar Nagar 332715
d) Corporate Office Address
Sikar RAJASTHAN
e) Email Address sainpk905@gmail.com
f) Constitution PROPRIETORSHIP
g) Unique Identity Number (PAN/CIN/Reg. No) BTQPS6601B
h) Type of Borrower (Main Applicant/Co-App) Main Applicant
i) Business or Employment of the Borrower Microfinancing
Borrower Details
a) Name PURUSHOTTAM KUMAR SAIN
b) Residence/ Business Address Ward No 09 Nalot Dhani Jorawarsingh 332708 Sikar RAJASTHAN
c) Correspondence Address Ward No 09 Nalot Dhani Jorawarsingh 332708 Sikar RAJASTHAN
d) Email Address sainpk905@gmail.com
e) Constitution INDIVIDUAL
f) Unique Identity Number (PAN/CIN/Reg. No) BTQPS6601B
g) Type of Borrower (Main Applicant/Co-App) Co-applicant

Borrower Details
a) Name Bimla Devi
Ward No 09 Nalot Sikar Dhani, Jorawarsingh 332708 Sikar
b) Residence/ Business Address
,RAJASTHAN, Sikar,RAJASTHAN,332708
c) Correspondence Address Ward No 09 Nalot Sikar Dhani Jorawarsingh 332708 Sikar RAJASTHAN
d) Email Address sainpk905@gmail.com
e) Constitution INDIVIDUAL
f) Unique Identity Number (PAN/CIN/Reg. No)
g) Type of Borrower (Main Applicant/Co-App) Co-applicant

Borrower Details
a) Name REKHA DEVI
Devra ka mohalla Ward No 09, Gaw Nalot, Nalot Sikar ,Dhani
b) Residence/ Business Address
Jorawarsingh, Sikar,RAJASTHAN,332708
WARD NO 9 DEVRA ka mohalla Nalot Dhani Jorawarsingh wali
c) Correspondence Address
332708 Sikar RAJASTHAN
d) Email Address SAINPK905@GMAIL.COM
e) Constitution ENTITY
f) Unique Identity Number (PAN/CIN/Reg. No) HZCPD2832K
g) Type of Borrower (Main Applicant/Co-App) Co-applicant

Borrower Details
a) Name
b) Residence/ Business Address
c) Correspondence Address
d) Email Address
e) Constitution
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397
f) Unique Identity Number (PAN/CIN/Reg. No)
g) Type of Borrower (Main Applicant/Co-App)

Borrower Details
a) Name
b) Residence/ Business Address
c) Correspondence Address
d) Email Address
e) Constitution
f) Unique Identity Number (PAN/CIN/Reg. No)
g) Type of Borrower (Main Applicant/Co-App)

Details of the Loan/Credit Facility

Purpose of the Loan/Credit Facility Business Use

a. Amount in Figures: Rs. 31,65,122

Loan Amount / Credit Facility b. Amount in Words: Thirty One Lakh Sixty Five Thousand One Hundred Twenty Two
Only

Tenor or Tenure of the Loan/Credit 144 months

Facility
A lock-in period will be applicable on the loan until the first twelve (12) EMIs are fully paid
(Pre-EMI will not be considered in EMI), during which the Borrower shall not be entitled to
Lock-in Period
make part prepayment or foreclosure unless otherwise specifically approved or permitted by
the Lender, at its sole discretion, subject to payment of the applicable charges as mentioned
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above.
FLOATING RATE OF INTEREST
UGRO Reference Rate (URR)): 15.95 % p.a
Floating Rate of Interest (p.a.): 15.95 +/- +2.05 = 18 %p.a.
Review Frequency: Monthly
Interest Rate (The Rate of Interest shall be charged on daily/weekly/fortnightly/ monthly/bi-
monthly/quarterly/half-yearly/yearly basis as per the repayment frequency and
computed as ROI*actual days/actual no. of days in a year or such other computation
methods as may be communicated to the Borrower)
Monthly EMI Rs. 53,779
Frequency of Re Payment Opted: Monthly
Installment Amount/ Frequency (The Borrower has an option to make daily/weekly/fortnightly/monthly repayments of Instalment
Amount. However, interest on the Loan Amount in such scenario shall also be computed on a
monthly rest)
Sanction Letter ____________
Processing Fees (including GST) Rs. 66,468
3% p.m. (three per cent per month) or 36 % p.a. (thirty six per cent per annum) on the
Penal Charges
Instalment overdue from the date of overdue upto the date of payment
Number of Advance Installments as per sanction conditions
Number of Balance Installments 144
"If the case disbursed between 4th – 17th of the month then the EMI Date will be 3rd of next
month."
“If case disbursed between 18th of the current month – 3rd of the next month, then the EMI Date will
Date when First Installment is due be 3rd of next to next month and Pre- Instalment Interest date will be 3rd of next month.”
If Daily Repayment: The Repayment will commence from the next day of
disbursement.

Repayment Bank A/c Details As per Sanction Conditions

Repayment of the Loan should be done to the satisfaction of Lender and in the designated account of
Repayment Lender by payment of regular EMIs as per the repayment schedule hereunder or any other repayment
schedule provided by Lender from time to time.
NA
Details of Receivables
Pre/Part loan payment
• 6% + GST of Principal outstanding for loan foreclosed within 12 months of loan
disbursal date
Foreclosure of the Facility • 4% + GST of Principal outstanding for loan foreclosed after 12 months of loan
disbursal date

The above part prepayment and foreclosure charges are subject to the regulatory requirements and
directions prescribed by Reserve Bank of India from time to time.

1. PATTA NO 7 GRAM NALOT GP JORAWARNAGAR PS SHRIMADHOPUR WARD NO 9

NEAR PURNI SCHOOL NALOT SHRIMADHOPUR SIKAR Sikar RAJASTHAN 332708 2.
PATTA NO 65 GRAM NALOT GP JORAWARNAGAR PS AND TESHIl SHRIMADHOPUR
Details of Security
DISTT SIKAR Sikar RAJASTHAN 332708 3. PROPERTY SITUATED AT FF SHOP 2
ASHRIWAD PLAZA WARD NO 22 SHRIMADHOPUR DISTT SIKAR RAJ Sikar
RAJASTHAN 332715

Payment Instrument(s)
Bank Account on which the Repayment Cheques are drawn and/or EDI (Electronic Debit Instrument)/NACH are made and details thereof
(“Account”)

• The Repayment Cheque/NACH can be used by the UGRO for realization of delayed payment charges/Penal Charges also and in
such events additional cheque(s)/NACH shall be furnished to cover the balance Repayment Amount.
• Repayment Cheques should be in favour of “UGRO Capital Limited”
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Repayment Details:

Repayment Options EMI

Repayment Frequency Monthly
Repayment Cycle date 3rd of every month
"If the case disbursed between 4th – 17th of the month then the EMI Date will be 3rd of next month."
Date when first instalment is “If case disbursed between 18th of the current month -3rd of the next month, then the EMI Date will be
due 3rd of next to next month and Pre- Instalment Interest date will be 3rd of next month.”
If Daily Repayment: The Repayment will commence from the next day of disbursement.
Total No. of Instalments 144
Amount of each instalment Rs. 53,779
Exact dates of repayment The instalments shall be due on the repayment cycle date as mentioned above basis the frequency agreed.
The repayment dates are subject to change depending on the Disbursement of the Facility. Exact dates of
repayment shall be communicated through a detailed repayment schedule which shall be sent along with a
welcome letter
Total Repayment Amount
(Amount in INR) Principal Total Interest* Total repayment amount

31,65,122 45,79,054 77,44,176

*The interest amount is indicative and is calculated basis the ROI and Tenure of the Facility
and will be subject to change depending upon the actual date of disbursement, change in rate
of interest, if any. It excludes any Pre EMI/ broken period interest that may be computed and
applied basis the Disbursement date
Default and NPA Please refer Annexure 1
classification

Repayment Cheques should be drawn in favour of UGRO Capital Limited

Schedule of Charges on the Loan / Credit Facility

• The interest and other charges shall be applicable as per the Schedule of Charges updated on the website which is www.ugrocapital.com

Details pertaining to the Loan Application by Borrower(s) / Co-Borrower(s)

Received copy of Agreement along with the Schedules and Annexure thereto
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Annexure 1

Illustration on due dates and NPA classification

If due date of a loan account is March 31, 2021, and full dues are not received before the lending institution runs the day-end process for this
date, the date of overdue shall be March 31, 2021. If it continues to remain overdue, then this account shall get tagged as SMA-1 upon running
day-end process on April 30, 2021 i.e. upon completion of 30 days of being continuously overdue. Accordingly, the date of SMA-1
classification for that account shall be April 30, 2021.
Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2 upon running day-end process on May 30, 2021 and if
continues to remain overdue further, it shall get classified as NPA upon running day-end process on June 29, 2021.

Status DPD Illustration 4

Illustration 2 Illustration 1 Illustration 3
(Leap year)
*Due date/ Overdue (if 1 day
05-02-22 03-06-22 15-01-22 15-01-24
not paid)
SMA-1 31 days 07-03-22 03-07-22 14-02-22 14-02-24
SMA-2 61 days 06-04-22 02-08-22 16-03-22 15-03-24
#Non-Performing Asset 91 days 06-05-22 01-09-22 15-04-22 14-04-24

* Any amount due to the lender under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the Lender. If there is any overdue
in an account, the default/ non-repayment is reported with the credit bureau companies like CIBIL etc. and the CIBIL report of the customer will
reflect defaults and its classification status.
# Once an account is classified as NPAs then it shall be upgraded as ‘standard’ asset only if entire arrears of interest and principal are paid by
the borrower.
Annexure 2

Illustration on Calculation of Penal Charges

Loan Amount 2,500,000
EMI/ Instalment 350,000
Due date of EMI/ Instalment 03-12-23
Actual date of payment 16-01-24
Penal Charge (% pm) 3%
Penal Charges (per day) 345.21
Penal Charge applicable 15,189.04

*In case there are instances of defaults in multiple/ series of instalments or EMI, then the penal charge shall be computed for each EMI/
Instalment separately and levied on an aggregate basis.

IN WITNESS WHEREOF the Parties hereto have hereunto set and execute this Agreement on the day and year as first mentioned hereinabove.
For the Lender:
SIGNED AND DELIVERED by the within named UGRO CAPITAL LIMITED

_______________________
Authorised Signatory.

For the Borrowers and Co-Borrowers:

SIGNED AND DELIVERED by the within named “Borrowers” and “Co-Borrowers”
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Annexure 3
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

LETTER OF CONTINUITY

Place: Sikar

To,
The Manager,
UGRO Capital Limited
Equinox Business Park, Tower 3, Fourth Floor,
Off BKC, LBS Road,
Kurla Mumbai - 400070

Dear Sir(s),

I/We RAVI HAIR DRESSER (please strike off whichever is not applicable) a company incorporated under the provisions of the Companies
Act, 1956/2013 /a partnership firm registered under the provisions of the Indian Partnership Act, 1932/ sole proprietorship concern having its
office/ place of business at Ward No 15 Madhan Market Shrimadhopur Nalot Jorawar Nagar 332715 Sikar RAJASTHAN , acting through
PURUSHOTTAM KUMAR SAIN , who is duly authorized in that behalf vide board resolution/ letter of authority/ power of attorney dated
"As Applicable" along with the Co-borrowers Mr./Ms./M/s. PURUSHOTTAM KUMAR SAIN (PAN BTQPS6601B ), Mr./Ms./M/s.
Bimla Devi (PAN ), Mr./Ms./M/s. REKHA DEVI (PAN HZCPD2832K ),Mr./Ms./M/s. (PAN ),Mr./Ms./M/s. (PAN ),Mr./Ms./M/s. (PAN
),Mr./Ms./M/s. (PAN ),Mr./Ms./M/s. (PAN ), (the “Borrower(s)”), enclose a Promissory Note dated ____________ for Rs 31,65,122 /-
(Rupees Thirty One Lakh Sixty Five Thousand One Hundred Twenty Two Only ) payable on demand which is given to you (“DPN”) as
collateral security for repayment to UGRO Capital Limited, (hereinafter referred to as the “UGRO”, including its successors and assigns) of any
sum now due or which may hereafter become due from me/us to UGRO in respect of Rs. 31,65,122 /- (Rupees Thirty One Lakh Sixty Five
Thousand One Hundred Twenty Two Only ) (hereinafter referred to as the “Facility”) granted by UGRO vide Facility Agreement dated
____________ . I/We hereby jointly and severally, irrevocably and unconditionally agree, confirm and undertake that:

1. the DPN shall operate as continuing security to you to be enforceable for the repayment of the ultimate balance and/or all sums remaining
unpaid under the Facility now or hereafter, including all interest to become payable in respect of / under the Facility or which may in future be
advanced; and
2. we will remain liable on the DPN notwithstanding payment made into the account of the Facility from time to time or the Facility being
reduced or extinguished from time to time or even if the balance in the account of the Facility may be in credit.

Yours faithfully,

RAVI HAIR DRESSER

(Name and signature of the Authorized Signatory)

PURUSHOTTAM KUMAR
Bimla Devi REKHA DEVI
SAIN
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

DECLARATION BY CUSTOMER

The Manager
UGRO Capital Limited,
Equinox Business Park,
Tower – 3, Fourth Floor, Off BKC,
LBS Road, Kurla,
Mumbai – 400070

Subject: Disbursement against LAF ID LCHU039920250315181733

Dear Sir,

I / We RAVI HAIR DRESSER do hereby request and authorize you to disburse an amount of Rs. 1,15,122 ( One Lakh Fifteen Thousand
One Hundred Twenty Two Only only) on my/our behalf, to Go Digit General Insurance Company Limited / PNB Metlife/SBI General
Insurance /SBI Life Insurance, as initial/ one time premium payable by me for availing Insurance cover against proposal no. <to be generated
at time of disbursement> from Go Digit General Insurance Company Limited /PNB Metlife/SBI General Insurance /SBI Life Insurance.

I / we declare that the above insurance cover is being voluntarily taken by me at my own discretion.

Thanking you,

Yours faithfully,

Signature

Name of the borrower(s): RAVI HAIR DRESSER

Place: Sikar
Date: ____________
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Date: ____________

END-USE UNDERTAKING

To,

The Manager

UGRO Capital Limited

SIKAR MICRO-SIK001

Dear Sir/Madam,

Subject:- Undertaking regarding utilizations of Loans to be granted by Ugro Capital Limited

I/We acknowedge that UGRO has sanctioned loan amount of Rs 31,65,122 ("Loan") to RAVI HAIR DRESSER subject to the terms
and conditions as mentioned in the Sanction Letter dated ____ ____________ ("Sanction Letter"). The Loan has been sanctioned by
UGRO, inter alia, on the basis of my/our representation that we/I are/am engaged in the business of Microfinancing and the loan will
be utilized only for the purpose of Business Use .

I/We hereby solemnly confirm and certify that Loan shall be utilized only for the aforesaid purpose and no other purpose. I/We will never
utilize the Loan or any part thereof for any speculative, illegal and prohibited activity (prohibited under any applicable
laws/rules/regulations). Any breach or violation of the representation made herein, and other documents executed in relation to Loan will
be my/our responsibility solely.

I/We shall extend necessary support and co-operation to UGRO for any matter in connection with this letter and Facility Agreement.
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Affix Revenue Stamp

DEMAND PROMISSORY NOTE

To,
The Manager,
UGRO Capital Limited
Equinox Business Park, Tower 3, Fourth Floor,
Off BKC, LBS Road,
Kurla Mumbai - 400070

On demand I/We and our respective heirs, representatives, executors, administrators, successors and/or permitted assigns, (jointly & severally)
unconditionally promise to pay UGRO Capital Limited (“UGRO”, including, its successors and assigns), or order, for value received,
the sum of Rs. 31,65,122 /- (Rupees Thirty One Lakh Sixty Five Thousand One Hundred Twenty Two Only only) along with
applicable interest and charges thereon, which may from time to time be varied in accordance with the policy decision of UGRO.

To be signed by the Borrower(s)

Place: Sikar

Date: ____________

Authorized Signatory
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Key Facts Statement

मुख्य तथ्यात्मक विवरण
Part 1 (Interest rate and fees/charges)
भाग 1 (ब्याज दर और फीस/शुल्क)

Date: 15/04/2025
तारीख: 15/04/2025

(i) Loan proposal / Account No.

लोन प्रस्ताव / अकाउंट नंबर LCHU039920250315181733
1.
(ii) Type of Loan Secured Loan (“Facility”)
लोन का प्रकार सेक्योर्ड लोन ("सुविधा")

Sanctioned Loan amount (in Rupees) Rs. 31,65,122

2.
स्वीकृ त लोन राशि (रुपये में) ₹. 31,65,122

Disbursal schedule
3. वितरण सूची

Disbursement in stages or 100% upfront. In stages

(i)
विभिन्न चरणों मैं वितरण या 100% अग्रिम चरणों में

If it is stage wise, mention the clause of

loan agreement having relevant details Exhibit A- Clause 1
(ii) अगर यह चरणवार है, तो सम्बंधित विवरण वाले लोन एग्रीमेंट प्रमाण A- अनुच्छेद 1
के अनुच्छेद का उल्लेख करें

Loan term (year/months/days) 144 Months

4. लोन की अवधि (वर्ष/महीने/दिन) 144 महीने

Installment details
5. किश्त का विवरण

Type of instalments Equated Monthly Instalment (EMI)

(i) किश्तों का प्रकार समान मासिक किश्त (ईएमआई)

Number of EPIs
(ii) ईपीआई की संख्या 144

EPI (Rs)
(iii) 53,779
ईपीआई (₹)

If the case disbursed between 4th – 17th of the month then the
EMI Date will be 3rd of next month. If case disbursed between
18th of the current month – 3rd of the next month, then the EMI
Date will be 3rd of next to next month and Pre-Instalment
Commencement of repayment, post Interest date will be 3rd of next month.
(iv) sanction
स्वीकृ ति के बाद पुनर्भुगतान की शुरुआत अगर महीने की 4 – 17 तारीख के बीच वितरित किया जाता है, तो ईएमआई की तिथि अगले
महीने की 3rd तारीख होगी. अगर वर्तमान महीने की 18 तारीख - अगले महीने की 3 तारीख
के बीच वितरित किया जाता है, तो ईएमआई की तिथि अगले से अगले महीने में 3rd तारीख
होगी और प्री-इंस्टॉलमेंट की ब्याज तिथि अगले महीने की 3rd तारीख होगी.

Interest rate (%) and type (fixed or

floating or hybrid) Floating, 18 %p.a.
6. ब्याज दर (%) और प्रकार (फिक्स्ड या फ्लोटिंग या फ्लोटिंग, 18 % प्रति वर्ष
हाइब्रिड)
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Additional Information in case of Floating rate of interest

7. फ्लोटिंग ब्याज दर के मामले में अतिरिक्त जानकारी

Reference Benchmark Ugro Reference Rate

(i)
रेफरेंस बेंचमार्क Ugro रेफरेंस दर

Benchmark rate (%) (B) 15.95 %p.a.

(ii)
बेंचमार्क दर (%) (B) 15.95 % प्रति वर्ष

Spread (%) (S) +2.05 %p.a.

(iii)
स्प्रेड (%) (S) +2.05 % प्रति वर्ष

Final rate (%) R = (B) + (S) 18 %p.a.

(iv)
अंतिम दर (%) R = (B) + (S) 18 % प्रति वर्ष

Not applicable. The reference rate is changed/reset as & when

Reset periodicity 2 (Months) decided by the Company. The revised reference rate will be
आवधिकता का पुनिर्धारण 2 (महीने) communicated to the borrower and can be also viewed on
website of the company under the heading interest rate model.
(v)
लागू नहीं. कं पनी द्वारा तय किए जाने के आधार पर रेफरेंस दर बदली/रीसेट की जाती है.
संशोधित रेफरेंस दर के बारे में उधारकर्ता को सूचित किया जाएगा, साथ ही कं पनी की
B S
वेबसाइट पर ब्याज दर मॉडल शीर्षक के अंतर्गत भी इसे देखा जा सकता है.

Impact of change in the reference benchmark (for 25 bps change in ‘R’, change in:3)
रेफरेंस बेंचमार्क में बदलाव का प्रभाव ('R' में 25 bps बदलाव के लिए, होने वाले परिवर्तन:3)
(vi)
EPI: Rs. 54,316 No. of EPIs: 149
ईपीआई: ₹. 54,316 ईपीआई की संख्या: 149

Fee / Charges
8. फीस / शुल्क

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

आरई को देय (A) आरई के माध्यम थर्ड पार्टी को देय (B)

Amount (in Rs) or Amount (in Rs) or

One-time / percentage (%) as One-time / percentage (%) as
Recurring applicable Recurring applicable
एक बार / आवर्ती राशि (₹ मैं ) या प्रतिशत एक बार / आवर्ती राशि (₹ मैं ) या प्रतिशत
(%) मैं, जैसा लागू हो (%) मैं, जैसा लागू हो

Processing fees
(including GST) One-Time Rs. 66,468
(i) प्रोसेसिंग शुल्क (जीएसटी एक बार ₹. 66,468
सहित)

Insurance
(including GST) One-Time Rs. 1,15,122
(ii) बीमा शुल्क (जीएसटी एक बार ₹. 1,15,122
सहित)

Pre-EMI Charges
(including GST) One-Time Rs. 28,096
(iii) प्री-ईएमआई शुल्क (जीएसटी एक बार ₹. 28,096
सहित)

Cersai Charges
(including GST) One-Time Rs. 1,770
(iv) सीईआरएसएआई शुल्क एक बार ₹. 1,770
(जीएसटी सहित)
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Valuation fees
(including GST) One-Time Rs. 8,260
(v) मूल्यांकन शुल्क (जीएसटी एक बार ₹. 8,260
सहित)

Rs. 0
₹. 0

“The borrower shall

be liable to pay
stamp duty as
applicable for the
loan documents.
However, the same
may be deducted
from the
disbursement
Stamp Duty amount basis a
Charges (including specific request of
GST) One-Time the borrower, in
(vi) एक बार
स्टाम्प ड्यूटी शुल्क (जीएसटी addition to the
सहित) deductions
specified above”

“उधारकर्ता लोन डॉक्यूमेंट के

लिए लागू स्टाम्प ड्यूटी का
भुगतान करने के लिए
उत्तरदायी होंगे. हालांकि,
ऊपर बताई गई कटौतियों के
अलावा, उधारकर्ता के
विशिष्ट अनुरोध के आधार
पर वितरित राशि से इसे
काटा जा सकता है,”

IMD/Login Amount
(including GST) One-Time Rs. 2,360
(vii) आईएमडी/लॉगिन राशि एक बार ₹. 2,360
(जीएसटी सहित)

Documentation
Charges (including
One-Time Rs. 3,540
(viii) GST)
प्रलेखन प्रभार (जीएसटी एक बार ₹. 3,540
सहित)

Any other (Please

specify) Refer SOC
(ix) कोई अन्य (कृ पया निर्दिष्ट एसओसी देखें
करें)

Annual Percentage Rate (APR) (%) 19.65 %p.a.

9. वार्षिक प्रतिशत दर (एपीआर) (%) 19.65 % प्रति वर्ष

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

10. आकस्मिक शुल्क का विवरण (₹ या % में, जैसा लागू हो)

Penal charges, if any, in case of

3% per month on instalment overdue.
(i) delayed payment
बकाया किश्त पर 3% प्रति माह.
विलंबित भुगतान के मामले में दंड शुल्क, अगर कोई हो

Other penal charges, if any

(ii) अन्य दंड शुल्क, अगर कोई हो NA
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

6% of Principal outstanding for loan foreclosed within 12 months

of loan disbursal date & 4% of Principal outstanding for loan
foreclosed after 12 months of loan disbursal date.
Foreclosure charges, if applicable
(iii) फोरक्लोज़र शुल्क, अगर लागू हो लोन वितरण की तिथि के 12 महीनों के भीतर फोरक्लोज़ किये गए लोन के लिये बकाया
मूलधन का 6% और लोन वितरण की तिथि के 12 महीनों के बाद फोरक्लोज़ किये गए लोन
के सलए बकाया मूलधन का 4%.

Charges for switching of loans from

floating to fixed rate and vice versa
(iv) फ्लोटिंग और फिक्स्ड दरों के बीच बदलाव करने पर लगने NA
वाला शुल्क

Any other charges (please specify) Please Refer the SOC

(v) कोई अन्य शुल्क (कृ पया बताएं) कृ पया एसओसी देखें

Part 2 (Other qualitative information)

भाग 2 (अन्य गुणात्मक जानकारी)

Clause of loan agreement relating to engagement of

Exhibit A- Clause 2
1. recovery agent
प्रमाण A- अनुच्छेद 2
रिकवरी एजेंट की नियुक्ति से संबंधित लोन एग्रीमेंट का अनुच्छेद

Clause of Loan agreement grievance redressal

Exhibit A- Clause 3
2. mechanism which details
प्रमाण A- अनुच्छेद 3
लोन एग्रीमेंट शिकायत निवारण तंत्र का अनुच्छेद, जिसमें विवरण हैं

Grievance Redressal Officer (GRO): Mr. Satish Kumar

Contact details: 022 6826 9135
Email id: grievance@ugrocapital.com
website link of grievance redressal mechanism:
https://www.ugrocapital.com/newImages/grievance-
Phone number and email id of the nodal grievance redressal/Grievance_Redressal_Mechanism.pdf
3. redressal officer
नोडल शिकायत निवारण अधिकारी का फोन नंबर और ईमेल आईडी शिकायत निवारण अधिकारी (जीआरओ): श्री सतीश कु मार
संपर्क विवरण: 022 6826 9135
ईमेल आईडी: grievance@ugrocapital.com
शिकायत निवारण प्रक्रिया का वेबसाइट लिंक:
https://www.ugrocapital.com/newImages/grievance-
redressal/Grievance_Redressal_Mechanism.pdf

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

transfer to other REs or securitisation (Yes/ No) Yes
4. क्या लोन को अन्य आरई को ट्रांसफर किया गया है या सिक्योरिटाइज़ेशन के हां
अधीन है या भविष्य में हो सकता है (हां/नहीं)

In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional
5. details may be furnished:
सहयोगी लेंडिंग व्यवस्थाओं (जैसे, को-लेंडिंग/आउटसोर्सिंग) के तहत लेंडिंग के मामले में, निम्नलिखित अतिरिक्त विवरण प्रदान किए जा सकते हैं:

Name of the originating RE, along with Name of the partner RE along with
Blended rate of interest
its funding proportion its proportion of funding
मिश्रित ब्याज दर
मूल आरई का नाम, उसका फं डिंग अनुपात फं डिंग के अनुपात के साथ पार्टनर आरई का नाम

NA NA NA

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

6. डिजिटल लोन के मामले मे, निम्नलिखित विशिष्ट प्रकटीकरण प्रदान किए जा सकते हैं:
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

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

approved policy,during which borrower shall not be
charged any penalty on prepayment of loan 30 Days
आरई की बोर्ड अप्रूव्ड पॉलिसी के संदर्भ में कू लिंग ऑफ/लुक-अप अवधि, जिसके 30 दिन
दौरान उधारकर्ता को लोन के प्री-पेमेंट पर कोई दंड नहीं लिया जाएगा

Terms and Conditions of recovery mechanism and role

of LSP: The lender will, by itself or through LSP or its
service providers authorized in this regard, engage with
borrower and/ or its employees and officers through
emails, phone calls and/ or physical meetings, to remind
the borrower of its upcoming or past-due repayment
obligations. The details of active recovery agents
engaged by the Company is uploaded on the website at:
(ii) Details of LSP acting as recovery agent and authorized https://www.ugrocapital.com/investor-
to approach the borrower relations/disclosures
रिकवरी एजेंट के रूप में कार्य करने वाले और उधारकर्ता से संपर्क करने के लिए
अधिकृ त एलएसपी का विवरण रिकवरी प्रक्रिया और एलएसपी की भूमिका के नियम और शर्तें: लेंडर, अपने द्वारा
या एलएसपी द्वारा या इस संबंध में अधिकृ त अपने सेवा प्रदाताओं के माध्यम से,
उधारकर्ता और/या उनके कर्मचारियों और अधिकारियों से ईमेल, फोन कॉल और/
या फिज़िकल बैठकों के माध्यम से संपर्क करेगा, ताकि उधारकर्ता को अपने
आगामी या पिछले देय पुनर्भुगतान दायित्वों की याद दिलाया जा सके . कं पनी द्वारा
नियुक्त सक्रिय रिकवरी एजेंट का विवरण इस वेबसाइट पर अपलोड किया जाएगाः
https://www.ugrocapital.com/investor-
relations/disclosures

Annex B
अनुलग्नक B
Illustration for computation of APR for Retail and MSME loans
रिटेल और एमएसएमई लोन के एपीआर की गणना के लिए उदाहरण

Sr
Parameter Details
No.
मापदंड विवरण
क्रमांक

Sanctioned Loan amount (in Rupees) ( Sl no. 2 of the

KFS – Part 1) Rs. 31,65,122
1.
स्वीकृ ति लोन की राशि (रूपए में) (के एफएस की क्रमांक संख्या 2 - भाग 1) ₹. 31,65,122

Loan Term (in years/ months/ days) (Sl No.4 of the

144 Months
2. KFS – Part 1)
144 महीने
लोन की अवधि (वर्ष/महीने/दिनों में) (के एफएस की क्रम संख्या 4 - भाग 1)

No. of instalments for payment of principal, in case

of non-equated periodic loans
a) गैर-समान आवधिक लोन के मामले में, मूलधन के भुगतान के लिए किश्तों की NA
संख्या

Type of EPI
Amount of each EPI (in Rupees) and nos. of EPIs Equated Monthly Instalment (EMI)
(e.g., no. of EMIs in case of monthly instalments) (Sl Rs. 53,779
No. 5 of the KFS template – Part 1) 144 Months
b)
ईपीआई का प्रकार समान मासिक किश्त (ईएमआई)
प्रत्येक ईपीआई की राशि (रुपये में) और ईपीआई की संख्या (उदाहरण के ₹. 53,779
लिए, मासिक किश्तों के मामले में ईएमआई की संख्या) (के एफएस टेम्पलेट 144 महीने
की क्रम संख्या 5 - भाग 1)
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

No. of instalments for payment of capitalised

c) interest, if any NA
पूंजीकृ त ब्याज के भुगतान के लिए किश्तों की संख्या, अगर कोई हो

If the case disbursed between 4th – 17th of the month

then the EMI Date will be 3rd of next month. If case
disbursed between 18th of the current month – 3rd of
the next month, then the EMI Date will be 3rd of next
Commencement of repayments, post sanction (Sl No. to next month and Pre-Instalment Interest date will
5 of the KFS template – Part 1) be 3rd of next month.
d) स्वीकृ ति के बाद पुनर्भुगतान की शुरुआत (के एफएस की क्रम संख्या 5 - भाग
1)
अगर महीने की 4 – 17 तारीख के बीच वितरित किया जाता है, तो ईएमआई
की तिथि अगले महीने की 3rd तारीख होगी. अगर वर्तमान महीने की 18
तारीख - अगले महीने की 3 तारीख के बीच वितरित किया जाता है, तो
ईएमआई की तिथि अगले से अगले महीने में 3rd तारीख होगी और प्री-
इंस्टॉलमेंट की ब्याज तिथि अगले महीने की 3rd तारीख होगी.

Interest rate type (fixed or floating or hybrid) (Sl No.

6 of the KFS template – Part 1) Floating
3. ब्याज दर का प्रकार (फिक्स्ड या फ्लोटिंग या हाइब्रिड) (के एफएस की क्रम फ्लोटिंग,
संख्या 6 - भाग 1)

Rate of Interest (Sl No. 6 of the KFS template – Part 15.95 %p.a. (URR) +2.05 %p.a. (Spread) = 18 %p.a.
4. 1) 15.95 % प्रति वर्ष (यूआरआर) +2.05 % प्रति वर्ष (स्प्रेड) = 18 %
ब्याज दर (के एफएस की क्रम संख्या 6- भाग 1) प्रति वर्ष

Total Interest Amount to be charged during the

entire tenor of the loan as per the rateprevailing on
sanction date (in Rupees) Rs. 45,79,054
5.
स्वीकृ ति तिथि पर लागू दर के अनुसार लोन की पूरी अवधि के दौरान ली जाने ₹. 45,79,054
वाली कु ल ब्याज राशि (रुपये में)

Fee/Charges payable in Rupees Rs. 2,25,616

6.
देय फीस/शुल्क, रुपये में ₹. 2,25,616

Processing Fees (One Time) : Rs. 66,468

Pre-EMI Charges (One Time) : Rs. 28,096
Cersai Charges (One Time) : Rs. 1,770
Stamp Duty Charges (One Time) : Rs. 0
IMD/Login Amount (One Time) : Rs. 2,360
Valuation fees (One Time) : Rs. 8,260
Payable to the RE (Sl No.8A of the KFS template-Part Documentation Charges (One Time) : Rs. 3,540
a) 1)
प्रोसेसिंग फीस (एक बार) : ₹. 66,468
आरई को देय (के एफएस की क्रम संख्या 8A- भाग 1)
प्री-ईएमआई शुल्क (एक बार) : ₹. 28,096
सीईआरएसआई शुल्क (एक बार) : ₹. 1,770
स्टाम्प ड्यूटी शुल्क (एक बार) : ₹. 0
आईएमडी/लॉगिन राशि (एक बार) : ₹. 2,360
वैल्यूएशन शुल्क (एक बार) : ₹. 8,260
प्रलेखन प्रभार (एक बार) : ₹. 3,540

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

of the KFS template – Part 1) Insurance Charges (One Time) : Rs. 1,15,122
b) आरई के माध्यम से थर्ड पार्टी को देय (के एफएस की क्रम संख्या 8B - भाग बीमा शुल्क (एक बार) : ₹. 1,15,122
1)

Net disbursed amount (1-6) (in Rupees) Rs. 29,41,866

7. निवल वितरित की गई राशि (1-6) (रुपये में) ₹. 29,41,866
Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

Total amount to be paid by the borrower (sum of 1

and 5) (in Rupees) Rs. 77,44,176
8. उधारकर्ता द्वारा भुगतान की जाने वाली कु ल राशि (1 और 5 की राशि) (रुपये ₹. 77,44,176
में)

Annual Percentage rate - Effective annualized

interest rate (in percentage) 10 (Sl No.9 of the KFS
19.65 %p.a.
9. template-Part 1)
19.65 % प्रति वर्ष
वार्षिक प्रतिशत दर- प्रभावी वार्षिक ब्याज दर (प्रतिशत में) 10 (के एफएस
की क्रम संख्या 9 -भाग 1)

Schedule of disbursement as per terms and

In stages
10. conditions
चरणों में
नियम और शर्तों के अनुसार वितरण सूची

Due date of payment of instalment and interest 3rd of every month

11.
किश्त और ब्याज के भुगतान की देय तिथि 3rd हर महीने की

Illustrative Repayment Schedule under Equated Periodic Instalment for the hypothetical loan
illustrated in Annex B
अनुलग्नक B में दर्ज लोन के समान आवधिक किश्त के अंतर्गत पुनर्भुगतान सूची के लिए उदाहरण

*Exact dates of repayment and amount depends on the disbursement date and disbursal
amount. The same shall be mentioned repayment schedule which shall be shared with the
Borrower post disbursement
*पुनर्भुगतान की सटीक और राशि, वास्तविक वितरण की तारीख और वितरण राशि पर निर्भर है. इसका उल्लेख पुनर्भुगतान सूची में किया जाएगा,
जिसे वितरण के बाद उधारकर्ता के साथ साझा किया जाएगा

Opening Closing
Sr. No. Due Date Installment Principle Interest
Balance Balance
क्रमांक देय तिथि किश्त मूलधन ब्याज
प्रारंभिक राशि शेष मूल राशि

1 03-May-2025 31,65,122 53,779 25,683 28,096 31,39,439

2 03-Jun-2025 31,39,439 53,779 5,784 47,995 31,33,655

3 03-Jul-2025 31,33,655 53,779 7,418 46,361 31,26,237

4 03-Aug-2025 31,26,237 53,779 5,986 47,793 31,20,251

5 03-Sep-2025 31,20,251 53,779 6,078 47,701 31,14,173

6 03-Oct-2025 31,14,173 53,779 7,706 46,073 31,06,467

7 03-Nov-2025 31,06,467 53,779 6,288 47,491 31,00,179

8 03-Dec-2025 31,00,179 53,779 7,913 45,866 30,92,266

9 03-Jan-2026 30,92,266 53,779 6,505 47,274 30,85,761

10 03-Feb-2026 30,85,761 53,779 6,605 47,174 30,79,156

11 03-Mar-2026 30,79,156 53,779 11,261 42,518 30,67,895

12 03-Apr-2026 30,67,895 53,779 6,878 46,901 30,61,017

13 03-May-2026 30,61,017 53,779 8,493 45,286 30,52,524

Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

14 03-Jun-2026 30,52,524 53,779 7,113 46,666 30,45,411

15 03-Jul-2026 30,45,411 53,779 8,724 45,055 30,36,687

16 03-Aug-2026 30,36,687 53,779 7,355 46,424 30,29,332

17 03-Sep-2026 30,29,332 53,779 7,468 46,311 30,21,864

18 03-Oct-2026 30,21,864 53,779 9,072 44,707 30,12,792

19 03-Nov-2026 30,12,792 53,779 7,720 46,059 30,05,072

20 03-Dec-2026 30,05,072 53,779 9,320 44,459 29,95,752

21 03-Jan-2027 29,95,752 53,779 7,981 45,798 29,87,771

22 03-Feb-2027 29,87,771 53,779 8,103 45,676 29,79,668

23 03-Mar-2027 29,79,668 53,779 12,635 41,144 29,67,033

24 03-Apr-2027 29,67,033 53,779 8,420 45,359 29,58,613

25 03-May-2027 29,58,613 53,779 10,008 43,771 29,48,605

26 03-Jun-2027 29,48,605 53,779 8,702 45,077 29,39,903

27 03-Jul-2027 29,39,903 53,779 10,285 43,494 29,29,618

28 03-Aug-2027 29,29,618 53,779 8,992 44,787 29,20,626

29 03-Sep-2027 29,20,626 53,779 9,129 44,650 29,11,497

30 03-Oct-2027 29,11,497 53,779 10,705 43,074 29,00,792

31 03-Nov-2027 29,00,792 53,779 9,433 44,346 28,91,359

32 03-Dec-2027 28,91,359 53,779 11,003 42,776 28,80,356

33 03-Jan-2028 28,80,356 53,779 9,745 44,034 28,70,611

34 03-Feb-2028 28,70,611 53,779 9,894 43,885 28,60,717

35 03-Mar-2028 28,60,717 53,779 12,867 40,912 28,47,850

36 03-Apr-2028 28,47,850 53,779 10,242 43,537 28,37,608

37 03-May-2028 28,37,608 53,779 11,798 41,981 28,25,810

38 03-Jun-2028 28,25,810 53,779 10,579 43,200 28,15,231

39 03-Jul-2028 28,15,231 53,779 12,129 41,650 28,03,102

40 03-Aug-2028 28,03,102 53,779 10,926 42,853 27,92,176

41 03-Sep-2028 27,92,176 53,779 11,093 42,686 27,81,083

42 03-Oct-2028 27,81,083 53,779 12,634 41,145 27,68,449

43 03-Nov-2028 27,68,449 53,779 11,456 42,323 27,56,993

Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

44 03-Dec-2028 27,56,993 53,779 12,991 40,788 27,44,002

45 03-Jan-2029 27,44,002 53,779 11,830 41,949 27,32,172

46 03-Feb-2029 27,32,172 53,779 12,010 41,769 27,20,162

47 03-Mar-2029 27,20,162 53,779 16,218 37,561 27,03,944

48 03-Apr-2029 27,03,944 53,779 12,442 41,337 26,91,502

49 03-May-2029 26,91,502 53,779 13,960 39,819 26,77,542

50 03-Jun-2029 26,77,542 53,779 12,846 40,933 26,64,696

51 03-Jul-2029 26,64,696 53,779 14,356 39,423 26,50,340

52 03-Aug-2029 26,50,340 53,779 13,261 40,518 26,37,079

53 03-Sep-2029 26,37,079 53,779 13,464 40,315 26,23,615

54 03-Oct-2029 26,23,615 53,779 14,964 38,815 26,08,651

55 03-Nov-2029 26,08,651 53,779 13,899 39,880 25,94,752

56 03-Dec-2029 25,94,752 53,779 15,391 38,388 25,79,361

57 03-Jan-2030 25,79,361 53,779 14,347 39,432 25,65,014

58 03-Feb-2030 25,65,014 53,779 14,566 39,213 25,50,448

59 03-Mar-2030 25,50,448 53,779 18,562 35,217 25,31,886

60 03-Apr-2030 25,31,886 53,779 15,072 38,707 25,16,814

61 03-May-2030 25,16,814 53,779 16,544 37,235 25,00,270

62 03-Jun-2030 25,00,270 53,779 15,556 38,223 24,84,714

63 03-Jul-2030 24,84,714 53,779 17,019 36,760 24,67,695

64 03-Aug-2030 24,67,695 53,779 16,054 37,725 24,51,641

65 03-Sep-2030 24,51,641 53,779 16,299 37,480 24,35,342

66 03-Oct-2030 24,35,342 53,779 17,749 36,030 24,17,593

67 03-Nov-2030 24,17,593 53,779 16,820 36,959 24,00,773

68 03-Dec-2030 24,00,773 53,779 18,261 35,518 23,82,512

69 03-Jan-2031 23,82,512 53,779 17,356 36,423 23,65,156

70 03-Feb-2031 23,65,156 53,779 17,621 36,158 23,47,535

71 03-Mar-2031 23,47,535 53,779 21,364 32,415 23,26,171

72 03-Apr-2031 23,26,171 53,779 18,217 35,562 23,07,954

73 03-May-2031 23,07,954 53,779 19,634 34,145 22,88,320

Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

74 03-Jun-2031 22,88,320 53,779 18,796 34,983 22,69,524

75 03-Jul-2031 22,69,524 53,779 20,202 33,577 22,49,322

76 03-Aug-2031 22,49,322 53,779 19,392 34,387 22,29,930

77 03-Sep-2031 22,29,930 53,779 19,689 34,090 22,10,241

78 03-Oct-2031 22,10,241 53,779 21,080 32,699 21,89,161

79 03-Nov-2031 21,89,161 53,779 20,312 33,467 21,68,849

80 03-Dec-2031 21,68,849 53,779 21,692 32,087 21,47,157

81 03-Jan-2032 21,47,157 53,779 20,954 32,825 21,26,203

82 03-Feb-2032 21,26,203 53,779 21,274 32,505 21,04,929

83 03-Mar-2032 21,04,929 53,779 23,676 30,103 20,81,253

84 03-Apr-2032 20,81,253 53,779 21,961 31,818 20,59,292

85 03-May-2032 20,59,292 53,779 23,313 30,466 20,35,979

86 03-Jun-2032 20,35,979 53,779 22,654 31,125 20,13,325

87 03-Jul-2032 20,13,325 53,779 23,993 29,786 19,89,332

88 03-Aug-2032 19,89,332 53,779 23,367 30,412 19,65,965

89 03-Sep-2032 19,65,965 53,779 23,724 30,055 19,42,241

90 03-Oct-2032 19,42,241 53,779 25,044 28,735 19,17,197

91 03-Nov-2032 19,17,197 53,779 24,470 29,309 18,92,727

92 03-Dec-2032 18,92,727 53,779 25,777 28,002 18,66,950

93 03-Jan-2033 18,66,950 53,779 25,238 28,541 18,41,712

94 03-Feb-2033 18,41,712 53,779 25,624 28,155 18,16,088

95 03-Mar-2033 18,16,088 53,779 28,702 25,077 17,87,386

96 03-Apr-2033 17,87,386 53,779 26,454 27,325 17,60,932

97 03-May-2033 17,60,932 53,779 27,727 26,052 17,33,205

98 03-Jun-2033 17,33,205 53,779 27,282 26,497 17,05,923

99 03-Jul-2033 17,05,923 53,779 28,541 25,238 16,77,382

100 03-Aug-2033 16,77,382 53,779 28,136 25,643 16,49,246

101 03-Sep-2033 16,49,246 53,779 28,566 25,213 16,20,680

102 03-Oct-2033 16,20,680 53,779 29,802 23,977 15,90,878

103 03-Nov-2033 15,90,878 53,779 29,458 24,321 15,61,420

Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

104 03-Dec-2033 15,61,420 53,779 30,679 23,100 15,30,741

105 03-Jan-2034 15,30,741 53,779 30,378 23,401 15,00,363

106 03-Feb-2034 15,00,363 53,779 30,842 22,937 14,69,521

107 03-Mar-2034 14,69,521 53,779 33,488 20,291 14,36,033

108 03-Apr-2034 14,36,033 53,779 31,825 21,954 14,04,208

109 03-May-2034 14,04,208 53,779 33,004 20,775 13,71,204

110 03-Jun-2034 13,71,204 53,779 32,816 20,963 13,38,388

111 03-Jul-2034 13,38,388 53,779 33,978 19,801 13,04,410

112 03-Aug-2034 13,04,410 53,779 33,838 19,941 12,70,572

113 03-Sep-2034 12,70,572 53,779 34,355 19,424 12,36,217

114 03-Oct-2034 12,36,217 53,779 35,490 18,289 12,00,727

115 03-Nov-2034 12,00,727 53,779 35,423 18,356 11,65,304

116 03-Dec-2034 11,65,304 53,779 36,539 17,240 11,28,765

117 03-Jan-2035 11,28,765 53,779 36,523 17,256 10,92,242

118 03-Feb-2035 10,92,242 53,779 37,081 16,698 10,55,161

119 03-Mar-2035 10,55,161 53,779 39,209 14,570 10,15,952

120 03-Apr-2035 10,15,952 53,779 38,247 15,532 9,77,705

121 03-May-2035 9,77,705 53,779 39,314 14,465 9,38,391

122 03-Jun-2035 9,38,391 53,779 39,433 14,346 8,98,958

123 03-Jul-2035 8,98,958 53,779 40,479 13,300 8,58,479

124 03-Aug-2035 8,58,479 53,779 40,655 13,124 8,17,824

125 03-Sep-2035 8,17,824 53,779 41,276 12,503 7,76,548

126 03-Oct-2035 7,76,548 53,779 42,290 11,489 7,34,258

127 03-Nov-2035 7,34,258 53,779 42,554 11,225 6,91,704

128 03-Dec-2035 6,91,704 53,779 43,546 10,233 6,48,158

129 03-Jan-2036 6,48,158 53,779 43,870 9,909 6,04,288

130 03-Feb-2036 6,04,288 53,779 44,541 9,238 5,59,747

131 03-Mar-2036 5,59,747 53,779 45,774 8,005 5,13,973

132 03-Apr-2036 5,13,973 53,779 45,922 7,857 4,68,051

133 03-May-2036 4,68,051 53,779 46,854 6,925 4,21,197

Stamp Document ID(s): HN358AA397 Stamp Sr. No.: REVENUE-STAMP-HN358AA397

134 03-Jun-2036 4,21,197 53,779 47,340 6,439 3,73,857

135 03-Jul-2036 3,73,857 53,779 48,248 5,531 3,25,609

136 03-Aug-2036 3,25,609 53,779 48,801 4,978 2,76,808

137 03-Sep-2036 2,76,808 53,779 49,547 4,232 2,27,261

138 03-Oct-2036 2,27,261 53,779 50,417 3,362 1,76,844

139 03-Nov-2036 1,76,844 53,779 51,075 2,704 1,25,769

140 03-Dec-2036 1,25,769 53,779 51,918 1,861 73,851

141 03-Jan-2037 73,851 53,779 52,650 1,129 21,201

142 03-Feb-2037 21,201 21,525 21,201 324 0

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