Date : Jun 16, 2025

To : IR 134RASHESBHAYAND MUMBAI

Dear Sir/Madam,

We are pleased to inform you that the loan application of Mr. Bhavik Manoj Patil has been approved for
Consumer Durable/Consumption Loan vide approval no. 101058130865 as per the details mentioned below;

1. Product Details

A Application ID 101058130865

B Customer Name Mr. Bhavik Manoj Patil

C Brand | Asset Category VIVO SMART PHONE

D Model Number V50 Elite 12 512G

E Scheme Name BS_VIVO175JUNE25P4

F ROI % 20.08%

G IMEI No. 864902078837954

2. Disbursement Break-Up (in )

A Cost Of Product 39479.00

B DBD % (excl. GST) 1.75

C DBD Amount (incl. GST) 723.00

D Down Payment Collected (from customer) 15495.00

E=A-C-D Net Disbursement Amount 23261.00

A Cost Of Product 39479.00

B Margin Money paid by customer 4500.00

J Wallet cashback given by the Bank 0.00

C* Offers/Charges (bundled with the loan) 399.00

D=A-B-J+C Bundled Loan Amount 35378.00

E* Total Down Payment 10994.00

F=A+C+E Total Cost To Customer (excl. adv emi wherever applicable) 40467.00

G Gross | Net Tenor (months) 17 | 12

H Advance EMIs (no.) 5

I EMI Amount 2085

*Annexure : Split Of Offers & Down Payment (in )

C Offers/Charges (bundled with loan) 399.00

Facilitation Fee (incl. GST) 399.00

E Total Down-Payment 10994.00

Customer Processing Fees (incl. GST) 589

Facilitation Fee (incl. GST) (down payment) 117

Advance EMI Amount (smart phone) 10288

Customer Address:

House No 226 Uttan Road Bhayander West Rai Village Thane

Near Sadanand Baba Niwas

THANE, MAHARASHTRA 401101

Thanking you,

IDFC FIRST Bank

Terms & Conditions

1. This is a computer generated delivery advice (DA) and does not require any signature.

2. This DA is valid for 15 days from the date of issuance. For whatever reason, if the loan is not disbursed
within 15 days of issuance of this DA, then the Bank will not be liable to pay the dealer.

3. In case, if it is later found that customer has a different product or same product with different IMEI/Serial
No. than the one mentioned on the invoice provided by the dealer, then the Bank will not be liable to pay
for that case. In case amount is transferred already, the Bank is allowed to adjust the same from subsequent
disbursal(s) along with penalty.

4. Product needs to be delivered on the address mentioned on the Delivery Advice and not over the counter,
irrespective of the urgency of the customer. Only digital products (i.e. Smart Phone, Tablet, Smart Watch,
Laptop, Camera, Speaker, and Printer) can be delivered to the customer over the counter against proper
acknowledgement thereof.

5. Date on the invoice should not exceed beyond 2 days from the date on the DA. It is mandatory to capture
IMEI/Serial No. on the invoice.

6. Basis the bank’s requirement, the dealer needs to provide the delivery challan to IDFC FIRST Bank within
7 days of request.

7. Where the customer cannot be traced but the dealer has confirmed the delivery of the product as per the DA
address, the staff needs to do a joint visit with the bank’s team to establish the same.

8. The dealer has to check original photo ID proof of their customer before handing over any goods. Dealer
staff is expected to match
a. The name in original ID card with the name given in this DA

b. Photo in ID card with the person to whom goods are being given. This is required for all cases and
products.

9. It is the dealer’s responsibility to have delivery proof with customer acknowledgement on records and to
share it with IDFC FIRST Bank as and when requested.

10. Customer’s actual Rate of Interest may vary from that mentioned in the Sanction Letter which is due to
system logics and rounding off mechanism. However, customer's EMI amount will remain the same.

11.
11. In case of customer denying delivery of product or raising concerns on defective/ damaged product post
disbursal, it will be the dealer’s responsibility to foreclose the loan with IDFC FIRST Bank

12. Other charges pertain to cost incurred to pull customer’s bureau details.