BEFORE THE CHIEF MAGISTRATE COURT AT RAIGAD-ALIBAUG

SECURITIZATION APPLICATION NO- / 2025

(Under Section 14 of the Securitization and Reconstruction of
financial
Assets and Enforcement of Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

. ... Applicant
Versus

KALPESH MANUBHAI PAREKH & ANR

... . Respondents

INDEX

Sr. Particulars Page No.

1.

2.
Application Under Section 14
Affidavit in support of Application
'- \'
rt - t 6
3. Vakalatnama and Address Memo 19--\S'
4. List of Documents
'~
~
Applicant
Authorised Officer
~,~
~.r\~ HERO HOUSING FINANCE LTD
Advocate Drashti Sethia - ~
Advocate for the Applicant
506,Sth Floor, Raj Chambers ,
Manchubhai Road , Malad (East) ,
Maharashtra-400097
 BEFORE THE CHIEF MAGISTRATE COURT AT RAIGAD- ALIBAUG
SECURITIZATION APPLICATION NO- / 2025
(Under Section 14 of the Securitization and Reconstruction of
Financial
Assets and Enforcement of Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

Having its Registered Office at
9, Community Centre, Basant Lok,
Vasant Vihar, New Delhi- 110057
Having its Regional Office at 503 , 5th
floor, SubhJivan Arcade, SV Road, Opp
Moksha Plaza, Borivali, Mumbai-400092
Through its Authorized Representative,
PAWAN KHATATE
Age~

... Applicant

Versus

1. KALPESH MANUBHAI PAREKH (BORROWER)

ADD: - D AND G ENTERPRISES SHOP NO 7 , PK PALACE,
BHOOMI ACRESWAGHBIL GB ROAD, THANE ,
MAHARASHTRA 400615
MOBILE NO .:- 8369885151

ALSO AT,
FLAT NO. 602, 6TH FLOOR, BUILDING NO . 11 ,
KRISHNA GREENLAND PARK, GHODBUNDER,
OPP JAIN TEMPLE, NEAR SANJOG HOTEL, THANE,
MAHARASHTRA 400615
MOBILE NO.:- 8369885151
 2-

-
ALSO,AT
FLAT NO. 403, 4TH FLOOR, WING C, BUILDING NO.10,
PHASE 2, SAI MORESHWAR COMPLEX, VANJARPADA,
TALUKA KARJAT, RAIGARH, MAHARASHTRA 410101
MOBILE NO: 8369885151

2. MEENA MANUBHAI PAREKH (CO-BORROWER)

FLAT NO. 602, 6TH FLOOR, BUILDING NO. 11 ,
KRISHNA GREENLAND PARK, GHODBUNDER,
OPP JAIN TEMPLE, NEAR SANJOG HOTEL, THANE,
MAHARASHTRA 400615
MOBILE NO.:- 9769583399

ALSO AT,
FLAT NO. 403, 4TH FLOOR, WING C, BUILDING NO . 10,
PHASE 2, SAI MORESHWAR COMPLEX, VANJARPADA,
TALUKA KARJAT, RAIGARH, MAHARASHTRA 410101
MOBILE NO: 9769583399

.. .Respondents

APPLICATION UNDER SECTION 14 OF THESECURITISATION AND

RECONSTRUCTION OF FINANCIAL ASSETS ANDENFORCEMENT OF
SECURITY INTEREST ACT, 2002;

MAY IT PLEASE YOUR HONOUR

The Applicant most respectfully submits as under:

l That, the Applicant, HERO HOUSING FINANCE LTD ., a Company

incorporated under the Companies Act, 1956 having its registered

office at- 09, Community Centre, Basant Lok, Vasant Vihar, New
 -· . _

Delhi- 110057 and Regional Office at 503, 5th floor, Subhjivan

Arcade, SV Road, Opp Moksh Plaza, Borivali, Mumbai- 400092,

Maharashtra; is a finance company and engaged into business of

providing various financial services. The Applicant herein is a

secured creditor as defined under Section 2 (1) (zd) of Securitization

and Reconstruction of Financial Assets and Enforcement of Security

Interest Act, 2002 ["SARFAESI Act"] .

2. That the present Application signed and affirmed by the Authorised

Representative of the Applicant, MR. PAWAN KHATATE is fully

authorized, empowered, and competent to sign, verify and affirm the

application, file documents and to do all and every co-related acts as

may be deemed fit and proper in connection with the present case.

Hereto annexed and marked as Exhibit"A" is the copy of Board

Resolution dated 21.08.2023 issued by the Applicant in his favour.

3. The Applicant states that by the instant Application, the Applicant is

invoking the jurisdiction of this Hon 'ble Court for granting assistance to
the Applicant in taking physical possession of the immovable property
located at "ALL THAT PIECE AND PARCEL OF THE FLAT NO.403,
4TH FLOOR, WING C, BUILDING NO.10, PHASE 2, SAi MORESHWAR
COMPLEX, SURVEY NO.15, HISSA NO.2, VANJARPADA, TALUKA
KARJAT, RAIGARH, MAHARASHTRA, HAVING CARPET AREA 577
SQ.FEET BOUNDED BY NORTH: OPEN PLOT, SOUTH: ROAD, EAST:
RESIDENTIAL BUIDLING, WEST: OPEN PLOT." belonging to the
Respondents [hereinafter referred to as "the said property"] . The said
property is more particularly described in Exhibit "B" annexed hereto.
That, the Respondents being mortgagors have created security interest
 in favor the Applicant towards the loan transactions, the particulars
whereof are provided hereinafter.

4. The Applicant states that the Respondents are the Borrowers as well

as a Mortgager; the Applicant further states that the Respondents had

availed Loan facility type of Home Loan to the tune of

Rs.20, 00,000 / - (Rupees Twenty Lakh Only) bearing Loan

Account No. HHFVASHOU20000007239 AND Rs.1,00,254/- (One

Lakh Two Hundred Fifty Four Only) bearing Loan Account No.

HHFVASIPL20000007277 sanctioned dated 23.01.2020 granted to

the Respondents from the Applicant. It is further submitted that the

Respondents had duly agreed to the terms and conditions of the

Sanction Letters, annexed hereto and marked as Exhibit "C".

5. A Loan Agreement bearing No. HHFVASHOU20000007239 AND

HHFVASIPL20000007277 was executed between Applicant and the

Respondents and the Said terms and conditions of Loan Agreement

were accepted by the Respondents wherein security interests over

their asset as per the particulars mentioned below. Hereto annexed

and marked as Exhibit "D" is the copy of the Loan Agreement.

6. The Applicant states that the facts of mortgage have been duly

recorded and security interest has been created over the mortgage

property by way of Memorandum Of Deposit Of Title Deeds dated

30.01.2020. Hereto annexed and marked as Exhibit "E" is the copy

-· - .

ofMODT.

7. The Applicant further states that requisite stamp has been paid vide

the Agreement For Sale 31.10.2019 which is in accordance of

Provision of Law ' hereto annexed and marked as Exhibit - ,"F" is the

copy of the Agreement For Sale.

8. The Applicant further states that the Respondents have committed

default in repayment of outstanding amounts due and payable to the

Applicant as well as committed breach of performance and

observance of terms, conditions and covenants of security documents

executed under the said loan facility.

9. The Applicant states that, in spite of repeated requests and

reminders by the officers of the Applicant, the Respondents have

neither discharged their liability and as such the account of the

Respondents was classified as Non-Performing Assets (NPA) on

08.07.2022 in accordance with the guidelines relating to assets

classification issued by the Reserve Bank of India (RBI).

10. The Applicant states that thereafter, the Applicant by notice dated

21.08.2024 issued under section 13(2) of SARFAESI Act, 2002 called

upon the Respondents to make payment of Loan Agreement bearing

No. HHFVASHOU20000007239 AND HHFVASIPL20000007277 the

said amount of Rs.25,82,791/- (Rupees Twenty Five Lakh Eighty

 Two Thousand Seven Hundred Ninety One Only) within the period

of 60 days from the date of receipt of the notice , as provided under

SARFAESI Act,2002 failing which the Applicant would exercise its

rights under section 13(4) and other applicable provisions of SARFAESI

Act. The Respondents were further called upon to clear the

outstanding dues to be paid to the Applicant. The Applicant states that

Demand notice dated 21.08.2024 under section 13(2) of SARFAESI

Act, 2002 came to be issued on the Respondents by way of Speed Post

POD at the last known addresses produced by the Respondents during

executing the loan documents. Hereto annexed and marked as Exhibit

"G" is the copy of the notice dated 21.08.2024 issued under section

13(2) of SARFAESI Act to Respondents along with the postal receipts

dated 22.08.2024.

U The Applicant submits that the said notice dated 21.08.2024 is served

upon respondent by the newspaper publication and same was

published in Newspaper viz. Business Standard (English) and

Mumbai Lakshdweep (Marathi) on 24.08.2024. Hereto annexed and

Marked as "Exhibit-ff" is the Copy of Newspaper Extracts Proving

service upon Respondent

12 That, the Applicant states that when in the event the borrower or

mortgagor fails to discharge his liability in full within a period of

60 days from the date of demand notice, the Applicant being a

secured creditor may take recourse to one or more of the

 following measure to recover the creditor's secured debt under

Section 13(4) of the SARFAESI Act, namely:

a) Take possession of the secured assets of the Borrower including

the right to transfer by way of lease, assignment or sale for

realizing the secured asset,

b) Take over the management of the secured assets of the borrower

including the right to transfer by way of lease, assignment or sale

for realize the secured asset;

c) Appoint any person (Hereinafter referred to the manager), to

manage the secured assets, possession of which has been taken

over by the secured creditor:

d) Require at any time by notice in writing, that any person who

has acquired any of the secured assets from borrower and

from whom any money is due or may become due to the

borrower, to pay the secured creditor, so much of the money

as is sufficient to pay the secured debt.

13. The Applicant further states that under Section 14 of the SARFAESI

Act, where the possession of the secured assets is required to be

taken by the Applicant, the Applicant is entitled to, for the purpose of

taking possession or control of the secured asset, make a request in

writing to this Hon'ble Court to take possession thereof and hand

over the same to the Applicant.

14. The Applicant states that the Applicant is a secured creditor and the
- - •• - .. 4

debt owing to the Applicant is a secured debt in the said properties .

The Applicant further states that Respondents who are under an

obligation to the Applicant, made default in payment of the secured

debt and the Applicant is therefore entitled to deal with the

mortgaged properties of the Respondents . The Applicant states that

as on 2!, 08 •'2_02,4 an aggregate amount (including accrued Tu,-0

C'1.S,8'i.,'7-91/-) 'Tc..uer,½::, f'4'1e \a\di Gf 9·h l:1
interest and other charges) 'Thou~aod S e.-vv, 4-l~?-u:J f\'1'nel:<j One. on\:;,
is due and payable by respondents along with further interest at

contractual rate till realization in respect of said Loan facilities

granted to Respondents.

15. In such backdrop, the Applicant is left with no option but to

approach this Hon 'ble Court to seek reliefs as sought herein as the

Applicant apprehends that if the Applicant themselves attempt to

take physical possession of the said property, the Respondents may

resort to illegal acts. In such circumstances, the Applicant is

therefore making the application for reliefs prayed herein.

16. That, the Applicant submits that under section 14 of the SARFAESI

Act, this Hon'ble Court has jurisdiction to try, entertain and dispose

of the present application of the Applicant as the subject property is

situated within the territorial jurisdiction of this Hon 'ble Court.

17. That, the Applicant declared that the Applicant is holding a valid

and subsisting security interest over the said property and that the
 claim of the Applicant is within its limitation.

18. The Applicant therefore prays that this Hon 'ble Court take

cognizance of the aforesaid submission and pass suitable

Orders/ directions under section 14 of SARFAESI Act.

19. The Applicant therefore prays that:

(i) Application may kindly be allowed.

(ii) By an order of this Hon 'ble Court direction may kindly be issued

to concerned Registrar or any other person to take Physical

possession of the secured asset i.e. "ALL THAT PIECE AND

PARCEL OF THE FLAT NO.403, 4TH FLOOR, WING C,

BUILDING NO.10, PHASE 2, SAi MORESHWAR COMPLEX,

SURVEY NO.15, HISSA NO.2, VANJARPADA, TALUKA

KARJAT, RAIGARH, MAHARASHTRA, HAVING CARPET AREA

577 SQ.FEET BOUNDED BY NORTH: OPEN PLOT, SOUTH:

ROAD, EAST: RESIDENTIAL BUIDLING, WEST: OPEN PLOT."

belonging to the Respondents and hand it over to the Authorized

Officer of the applicant Hero Housing Finance Ltd.

(iii) That this Hon 'ble Court may further be pleased to direct the

concerned Police Station to render Police Assistance for the

purpose of taking possession of the said property and/ or direct

the Registrar or such other person appointed to break open the

lock(s)/ wall wherever necessary;

(iv) That this Hon 'ble Court may further be pleased to pass such
------
other Orders/ Directions as this Hon 'ble Court may deem fit to

meet the ends of the justice;

Submitted on this t Lf'tn_y ~ of, 2025.

Applicant
Authorised Officer
HERO HOUSING FINANCE LTD

Advocate Drashti Sethia

Advocate for the Applicant
506,Sth Floor, Raj Chambers,
Manchubhai Road, Malad (East),
Maharash tra-400097
 VERIFICATION

I, PAWAN KHATATE, Age- S 5 years, occupation Service, Authorized

Officer of Hero Housing Finance Ltd. , do hereby state that the above-

mentioned paragraphs no. 1 to 19 are true to the best of my knowledge

and belief and are said to be true and correct and none of the facts

hereinabove stated are concealed or suppressed.

Place: Alibaug

Date: 1Y I01-}'l,.tl~

Applicant
Authorised Officer
HERO HOUSING FINANCE LTD

Advocate Drashti Sethia - '.S).,~

Advocate for the Applicant
506,Sth Floor, Raj Chambers,
Manchubhai Road, Malad (East) ,
Maharashtra-400097
 ''

BEFORE THE CHIEF MAGISTRATE COURT AT RAIGAD- ALIBAUG

SECURITIZATION APPLICATION NO - / 2025
(Under Section 14 of the Securitization and Reconstruction
of financial
Assets and Enforcement of Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

. ... Applicant
Versus

KALPESH MANUBHAI PAREKH & ANR

... . Respondents

AFFIDAVIT IN SUPPORT OF APPLICATION UNDER SECTION 14 OF THE

SECURITIZATION AND RECONSTRUCTION OF FINANCIAL ASSETS AND
ENFORCEMENT OFSECURITY INTEREST ACT, 2002;

I, PAWAN KHATATE Age- 3) years the authorized Officer of the Applicant

above named,havingOffice09, Community Centre, Basant Lok, Vasant

Vihar, New Delhi- 110057 and Regional Office at 503, 5th floor,

Subhjivan Arcade, SV Road, Opp Moksh Plaza, Borivali, Mumbai-

400092, Maharashtra,do hereby solemnly affirm and state as under:-

1. I say that I am conversant with the facts of the case and able to

depose to the same on the basis of records available in the office of the

Applicant.

2. I say that the Respondents are the Borrowers as well as a Mortgager;

 facility type of Home Loan to the tune of Rs. 20,00,000 I - (Rupees

Twenty Lakh Only) bearing Loan Account No.

HHFVASHOU20000007239 AND Rs.1,00,254/- (One Lakh Two

Hundred Fifty Four Only) bearing Loan Account No.

HHFVASIPL20000007277 sanctioned dated 23.01.2020 granted to

the Respondents from the Applicant was executed between Applicant

and Respondents and accepted all terms and conditions of Loan

Agreement and they have created security interests over the subject

property. I crave leave to refer and rely upon the contents of the

Securitization Application filed by the Applicant as if the same are

reproduced herein verbatim.

3. I say that in accordance with the terms of the said sanction letter and

in consideration of grant of said facilities, the Respondents had, with

an intention to create mortgage and so as to secure the repayment of

the amounts advanced under the said credit facilities and interest

thereon, created security interest over following property: "ALL THAT

PIECE AND PARCEL OF THE FLAT NO.403, 4TH FLOOR, WING C,

BUILDING NO.10, PHASE 2, SAi MORESHWAR COMPLEX,

SURVEY NO.15, HISSA NO.2, VANJARPADA, TALUKA KARJAT,

RAIGARH, MAHARASHTRA, HAVING CARPET AREA 577 SQ.FEET

BOUNDED BY NORTH: OPEN PLOT, SOUTH: ROAD, EAST:

RESIDENTIAL BUIDLING, WEST: OPEN PLOT." I say that the

------~~----
I
l
IY

property and such claim of the Applicant is within the limitation

period.

4. I say that the Respondents above named have committed default in

repayment of the financial assistance granted to the Respondents.

5. I say that consequent to such default in repayment of the financial

assistance the account of the Respondents has been classified as a

Non- performing asset (NPA) on 08.07.2022 in accordance with the

guidelines relating to Asset calculation issued by Reserve Bank of

India (RBI).

6. I say that vide notice dated 21.08.2024 issued under section

13(2) of SARFAESI Act, 2002 the Applicant demanded payment of

Loan Agreement bearing No. HHFVASHOU20000007239 AND

HHFVASIPL20000007277 the said amount of Rs.25,82, 791 / -

(Rupees Twenty Five Lakh Eighty Two Thousand Seven

Hundred Ninety One Only) by providing statutory period of sixty

days' notice.

7. I state that the Demand notice u/s 13(2) is served by the way of

Newspaper Publications and same was published in Newspaper

viz. Business Standard (English) and Mumbai Lakshdweep

(Marathi) on 24.08.2024 and notice dated 21.08.2024 issued

er section 13(2) of SARFAESI Act in respondents along with the

RADDHAOUB
MAHARASHTRA
STATE
* IJ

. __\' ··. REGN . NO 35787 ~,

.··.
-~·-,. .• •'>j. ,. ••
~JI
-·~ .
~~~
 )S-

postal receipts dated 22.08.2024.

s. I say that the Respondents did not raise any objection on the said
13(2) Demand Notice which was sent by Applicant and Applicant

did not receive reply/notice from the Respondents.

9. I say that as on __:_I_· _

_ f2... o_g_._":l.- _ _ _ _ , an aggregate amount
_ e>_¼

~n<::luding accrued interest and other charges) of

l3§,2'L 1'"¥31/-)TwenH.j ,:rve..- lak"'> £.J·gn"1 "'flvD 7"hot.t.sonq
qe,,.,e,\'") Ji urooeq N; n€h4 C) ne o o hj 8
Is due and payable by Respondents to the Applicant along with

further interest till realization and that the Respondents have fail to

repay the same.

10.I say that all the provisions of SARFAESI Act and the rules thereunder

had been complied with.

11. I say and submit that as of today the Applicant is not served with

notice on behalf of the Respondents above named regarding filing of

any proceeding before the Hon'ble DRT and there is no stay and/or

restraining order from any Competent Court of law, inter-alia,

restraining the Applicant from enforcing the security interest created

upon the subject property.

 taking possession of the secured assets mentioned herein above.

13. I state and submit that, whatever is stated hereinabove is true

and correct to the best of my knowledge.

Solemnly Affirmed at Alibaug

On this~ ~ay of Ceb ,2025

Authorised Officer
HERO HOUSING FINANCE LTD

Identified by me,
Advocate Drashti Sethia
Advocate for the Applicant

BEFO'->E ME
~A;;✓
,~\r\
SHRADDHA DUBEY
ADVOCATE & NOTARY
GOVT. OF IN DIA
Room No.1, Tarakn,!\h Dubey Chawl,
Dr. Radha Krishna Road, Gundavali Gaothatt,
Andheri East, Mumbai· 400 069.
 BEFORE THE CHIEF MAGISTRATE COURT AT RAIGAD- ALIBAUG
SECURITIZATION APPLICATION NO - / 2025
(Under Section 14 of the Securitization and Reconstruction of
financial
Assets and Enforcement of Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

. ... Applicant
Versus

KALPESH MANUBHAI PAREKH & ANR

... . Respondents

VAKALATNAMA

Sir/Madam,

We, Hero Housing Finance Ltd., the Applicant above named, do

hereby appoint, Adv. Drashti Sethia, Adv. Pramod Shinde, Adv. Abdullah

Ansari, advocate, Maharashtra, to act, appear and plead on our behalf in

the above case.

IN WITNESS WHEREOF, we have set our hand to this writing.

Dated this \ Ut'7day of Je,k,2025

Accepted

MAH/ 12855/2021
Advocate: Ansari Abdullah: ---t
~_:;____;_
,_, .__,__
. ' __

MAH/4224/2023 9-.... --AIA\

~
Advocate: Pramod Shinde: - - - ~ - = - - - - - -
MAH/5537 /2023
Advocates for the Applicant
 BEFORE THE CHIEF JUDICIAL MAGISTRATE COURT AT
RAIGAD-ALIBAUG
SECURITIZATION APPLICATION NO - / 2025
(Under Section 14 of the Securitization and
Reconstruction of Financial Assets and Enforcement of
Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

. ... Applicant
Versus

KALPESH MANUBHAI PAREKH & ANR

.... Respondents

ADDRESS MEMO

Office at- 09, Community Centre, Basant Lok, Vasant Vihar, New Delhi-
110057 and Regional Office at 503, 5th floor, Subhjivan Arcade, SV Road,
Opp Moksh Plaza, Borivali, Mumbai- 400092, Maharashtra

Place: ~ ~bc,4_5

Date: [LHOQ.\ ~

Applicant
Authorised Officer
HERO HOUSING FINANCE LTD

Advocate Drashti Sethia

Advocate for the Applicant
. --

BEFORE THE CHIEF MAGISTRATE COURT AT RAIGAD- ALIBAUG

SECURITIZATION APPLICATION NO - / 2025
(Under Section 14 of the Securitization and Reconstruction of
financial
Assets and Enforcement of Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

. ... Applicant
Versus

KALPESH MANUBHAI PAREKH & ANR

... .Respondents
LIST OF DOCUMENTS

Sr. No Particulars Page No.

1. Exhibit "A"
Copy of Board Resolution
2.,- 16
2. Exhibit "B".
Schedule of property 2 :J,
3. Exhibit "C"
Copy of the Sanction letter ~-3-6
4. Exhibit "D"
Copy of the Loan Agreement '31--~
5. Exhibit "E"
Copy of Memorandum Of Deposit Of Title Deed =1-.S-Sl
6. Exhibit "F"
Copy of Agreement for Sale 82..- \Y~
7. Exhibit "G"
Copy of the said Notice U /s. 13 (2) of SARFAESI \1.\ 6 - t ~o
Act, 2002 , the copies of the postal receipts
8. Exhibit "H"
13(2) Paper Publication. \.S \ .- \S°'1,
..
Place. ~,b~
I

Date: 1½ 11)1'tr
It\'~"~
Advocate for ~ plicant
 Hero Housit g
Finance

CERTIFIED TRUE COPY OF THE RESOLUTION PASSED IN THE 54m MEETING OF

COMM ITTEE OF DIRECTORS ("COMMITTEE") OF HERO HOUSING FINANCE LIMITED ("THE
COMPANY") HELD ON MONDAY, AUGUST 21, 2023 AT ITS REGISTERED OFFICE AT 9 ,
COM MUNITY CENTRE, BASANT LOK, VASANT VIHAR, NEW DELHI -110057

APPROVAL FOR DELEGATION OF AUTHORITIES FOR DEALING IN SARFAESI RELATEQ

MATTERS

"RESOLVED THAT in supcrsession of the earl ie r resolution passed by the Commi ttee of Directors
at its meeting held on June 27, 2023, the following persons be and are hereby severally au th ori ed

T- - - -~ - - - - - - - -
s.-1
No.
Name Department Region Designation
- ·t,- - - - - - - - - - - --+-- - - - - ·-- - - --l- - - - - -
1 --~ ay!11in Mehta Risk Ahmedabad Zonal Credit Mana&~ __ _
2 1 lm ran Mohammad Kureshi Risk Ahmedabad Legal Manager -_L~2l ____ _
- - ---l -
3 _ Manish Singh Naruka Risk Ahmedabad State Collection Head
4 'i Rahul Nanasaheb La hore Risk I Au ran abad Crejit Mana~er

1
5-r Pra~p Prabhakar Sa kpal- ___ Risk~
6 1 Mau lik Sh ah R.~sk___
=r Baroda _ -~redi! _f>ian ~gc r__
Baro da _Cred it Manager
f - 7-r·P~ lsa my Yadav Risk Ch e nnai __R e_gi on~ I C:!!rlit M~,~~e.!:_
t _ 8 _ M-;:noJ S~m-asu nda_r_a_m_ Risk ____ __Qi ennai ___ Credit~anager
9 PrcJ tee k Kad iyan ______RJ_~~ Ghazi abad _Cred it ~~-~_ager:___ ____ ___ _
10 Shobhit Gau r Risk Ghaziabad Credit Ma!l ager
-- ----- -
11 E dish Sin h Risk Ghaziabad Branch Cred it "'1;inziger
12 Bansidh ar Sharma Risk Gurgaon I Credit Mana C' r
13 Rishab Jain _ ___ Risk Jaipur Credit Manage r
Jj-_ __B_o hit ~ ~nga l - - - + -_ _ R_is_k_ _ ~---'-l_a ,_.p_ _· u_r_-1-B_ t_1s_i_n_
es_s_L al ~ a1'..~~.!:_ ____ _j
_e...;,c_
15 Durgesh Agarwal _ _ Risk Jaipur Area Credit Manager 1

16 _Dhi_!_·e nder ~i ngh Legal Jai ur Assistant Le al Mar~er __ _

17 Yashwant S_h_a_r_ m_a_ _ _ Collection aipur Collection Manager
18 Jai_Pral<ash K_!1andelwal Risk Jai ur - B;,;;~h Cr; dit Mana er_ i
19 Vishwa Deepak Patel
20 Alok Kumar Mishra
Risk
Risk
Jodh ur
Lucknow
Credit Man~ge.£_
Credit Mana er
1
- - - - -- - - - l - - - - - - - - l - - - - _ : _ : _ __ ___j__ _~_;___:_____:__,,______

21 Aja Shukla Coll~c~?_n_ Lucknow_ j State Manager- Collection

22 Pankaj Kumar Si_!1__g_h_ _- + -- Risk Lucknow Collection Manage r
23 Varinder Si ngh R_i_sk___ Ludhiana __State Manager - T~c hni cal I
1
24 Amit Sood ---
Risk Ludhiana Zonal
---
Credit Head
25 Ras h~mdeep Loona _R_is_k_---<f-- Ludhiana ._Cr~dit Ma~a ger
2§____ _J atind er Pal Sin h Risk Mohali , Branch Credi~~1anager_
27 Harish Deepak Goank~ Risk Badlapur Credit Manager ___________ __ _
28 Davendra Ch heda Risk Borivali Zonal Credit Manager
29 Ramesh Ullash Panigrah i Risk Borivali Credit Man ager
3Q__ __f._n_a_n_d _C_haturvedi _!3:_is_k_ Borivali Collectio_!l Manager
31 Chetan Ganpa~atade Risk Borivali Branch Credit Ma ~age~ _ J
32 Mohd Shadab Faroo ui Risk Borivali Collectio.!!_ Man~ge r_
33 Pawa~ Ga~aram Khatate Risk Borivali

Hero Housing Finance Ltd. .,,..__....;

Registered Offi ce : 09 , Community Centre , Basant Lok, Vasant Vihar. New Delhi •
Phone : 011 49267000, Toll Free Num ber: 1800 212 8800 , Emai l: customer care 1
,_.,,,,
Website: www.herohousingfinance .com I CIN: U65192DL2016PLC301481 \ ' ,.
 ~
Hero Housing
Finance

Pratee k Prarnodkumar
34 Risk Palghar Credit Manager
Bajpai
35 Harish Raghu Shetty Risk Vashi C JI
- - t - - - - - - -- - - - - + - - - - -·- _ (.~M
_u_m
_ b_ai..,____
) +-_o_ e_c t_io_n_ M_a_n_a_g_er_ __
36 Jitesh K Devulkar Risk Vas hi
- - i l - - - - - - - - - - - 11-
_ _ (ML.!_m--=b_a_i~)-+-B_r_a _nc_h_C _ r_e_d_it_ M
_ a_n_ag_,e_r__
Ep . Vashi
37 Adwait Suresh Joshi Bran _ ch Credit Manager
l
I
~isk _ _ (Mum bai] ___ __ _
J I 38 Tushar Shastri Risk Na pur Area Credit Manager
·.· ·- - - - - i - - - - - - - - - - - " " - - -
1'
·1.
39 Ni tesh Krishnarao Bande Risk Nagpur Branch Credit Manager _

I!
I 40 Nainesh Ramesh Un_a_w_a_n_e--+_ _Risk
'11 Pravin Ashok Pagare Risk
Nashik
Nashik
Credit Manager
Senior Collection Officer
__
a-·-

t 42 Mahendra Mohan Sanap_ Risk _ Nash_ik_ -+_B_r_a_nc_l_ 1 _C_re_d_i_t _M_a_n_.ag

.J_,__e_r_--1
I 43 Noman Masood Khan Risk Delhi State Manager - Technical
:) I 44 Ashish Gaur _ _Risk_ _ _ _D _e_lh_!_ Bt1siness L~gal Man ~~
45 Manish Kumar Sachdeva Risk Del hi Collection Manager
I -46- -Su
l - - - - - - - - - - - + - -- - - - - ; - - - - -- - - 1 - - - - - - - ~- - - - 1
~ I__I>a:1dela - - - --1-- _ ~__ is_k_ __,__ D __el_h_i _ _,_Z_o_n_a_l _C_r edi t Manager _ _
47 Amit Sharma
,----+--------------<- -
Risk Delhi Head Collections
-- - - ----r----· - - - - - - . - - -
48 Vinay Paswan Risk Delhi Collection Manager
- - -- - - - - -- -- - + -- -- -- - + - - - - - + -- - -- --"'------1
49 Dinesh Agarwal Risk Delhi Zonal Credit Manager
---- - - - - - ·-
' 5 0 ~!!_am b ~ u Ka.1.P_,_
. I p_a_r _ _ _____,1--_ _R_is_k_ _ _ _D _e_l_h_i --+-C _red it Manager
! 51 V;kash Singh __ Risk _ ,_ ___ D_elllj_ Collection Man ager
1
52 Rajir,der Singh Risk Delhi Collection Manager
53 Pritp;:il Si:1gh Dang Risk Delhi Nation al Legal Manager-
Business
- - - - - - - - - - - - - - - - -- - - - t--- - - - - -+-- - - - - - - - ' - - - -
54- - Sachin Bharti
----- -- - -
Risk Delhi Collection Manage r
55 Surya Deo Kumar Risk Delhi Area Credit Manager
56 Santosh_Raj Risk Delhi Credit Man!ger
I 57 Udit Aswal - - - - Risk
- - - - ---+---
- D-el._h_i - - -C - r--e-dit Manager
- - - - + - - - - - - - " ' - -- - - - - - j
1
SQ_ Rakesh Bansal _ _ _ _ Ris½_ - -+--_ _D _e_l_h_i --+-C_h_i_e _f R_is_k Officer
1
,-60
59

61
-r
J
Peevush Jindal
Deepa~ Kumar Sehg_al
Dheeraj Bhoria
Risk

___L_e=
Delhi
Ris_k______-t-_--_-_-__D
National Credit Manager
__e_lh~i~~-~--C-e_n_t_r-al_C_..'. r_e_d_it_A_e_p_r_o~v~e-r - - 1
ga_l_ ~_ _D_e_lh_i__--+_N_a_t_io_n_a_l _L_it~
ig~a_ti_o_n__!-_le_a_d-1
62 Nahid Fati ma- Legal Delhi Legal Manager _ ___
-
63 Sushant Garg Risk Delhi- -+ Senior Manager
- - - - - ~- - - - - - j
- Risk
64 Ta nmay Kumar Risk Delhi Sr. Manager Risk
Analytics
Neetinkumar
- -
65 Risk Delhi Recredit Manager
Mahendrakumar
-
Doshi - -
66 Asif Ali Risk De_!_hi Recredit Manager _____ _
-·
Risk ____ Delhi _ _!3.ecredit M~ ~ger ·-
-- ..
Risk
- - ------+--- _!)_E:lhi Recredit Manager
___-- ----Ri~ _ -__D _ elhi Busin ess Le al Mana~
Risk Delhi Assistant Manager - Legal
Ri ~k Noid?_ l_o~~ Te c_.0!2.ic~ M,mager
Manager Collecti on~ Call
Naida
Center
Noida
'
~Ho Housing ~'iiiance Ltd. -~·..
Pegis.tered Office: fo,.~ommu.ni_ty·Centre, Basant Lok, Vasant Vihar, New Delhi - 110057
Pione. 011 492 67000, Toll Free Number: 1800 212 8800, Emait: customer.care@herohfl.com
w,,bs 1te: www l1erohousingfjnance .com / CIN: U65192DL2016PLC301481
 Hero Housing
Finance

-Collection Man age r

74 Virender Kumar Sharma Risk Noida
75 Vishal Shishodia Risk Noida Credit Manager
76 Prabhakaran B Risk Credit Manager
Pu du cherry
-· Pune Zonal Credit Ma nage r
77 Gargi Ray Risk
Ass istant Techni cal
78 Vishal Shivaji Sa tpute Ri sk Pun e
Manage r
--
79 Va ibh av Mis hra Ri sk Pun e Sta te Mana~ r - Tee hn ical
- - - - - -
80 Nikita Bansode Risk Pun e Credit Manager
81 Swapnil Chavan Risk Pun e Manager- L~ _
82 Hardik Rajeshbhai Bundela Risk- Rajkot Credit Manage r
83 Pratik Popat Risk Raj kot Credit Mana er
Credi t Manager
~
84
--
85
Ku__:'> h~ in esh D~glia
Kureshi Mohammadshoaib
- Risk
Risk
Surat
----
Surat Coll ecti on Offi cer -
86 Nitin Kumar Jain Risk Udai ur Area Credit Ma nage r
f-----

87 Arun Khatik Risk Udaipur Collection Manag~ r

00 Yuvaraj Rameshkumar Ris k Vellore Credit Manager
-
89 Harpreet Singh Risk Mohali Collection Manager

to do th e followin g acts, de eds and things as may be re quired fr om tim e to tim e -

1. To oversee the process of enforcement of securities and to ensure effective impl ementati on
in accordance with the provisions of the Securitisation and Re co nstruct io n of Financi al
Assets and Enforcement of Security Interest Act, 2002 (SARFA ESI Act) .

2. To fil e any app lication/ petiti on und er th e SARFAESl Act, befor e any Co urt or Tribunal. To
fil e/ prosecute/ defend any case, suits under the SARFA ESI Act and t o appea r before th e
District Magistrate, District Collector, Debts Recovery Tribunal (DRT), Debts Re covery
Appellate Tribunal (ORA T) in this regard. To handle and/ or file any appli cati on / petition /
co mplaint before any Court or Tribunal or any Authority or any Quasi-Judicial Authority.

3. To take physical and/or symbolic possession of any asset in terms of Sec ion 13(4) of th e
SARFAESI Act.

4. To make Panchnama and publish the possession notice in the newspaper, offici al gazette and
in other mode and means as may be required.

5. To carry out valuation of secured assets and th ereafter to proceed an d sell the secured assets
by publi c auction or any other mod e.

6. To issue and/ or execute any document (including sale certificate) concerning th e auction of
pro perty under SARFAESI Act. To do all the acts necessary and mandatory to be done in
terms of th e provisions of the SARFAES! Act.

7. To withdraw any suit, SARFAESI proceedings, civil or criminal complaints or windi ng up

procee dings or execution petitions, for and on beh alf of the Company befo re all /a ny Court,
Tribunal, Authority and for this purpose to verify, sign, affirm all do cuments, ap plications,
plaints, complaints, petitions, Appeals/ Revisions/ SLP's/ ,. , other documents as
r equired under the SARFAESI Act, Pleadings and to lead~ · fMlll...§~Qrx.{~ pear in pe r ;rtM-itr,n
.
Hero Housing Finance Ltd. ~
O ~z ;;~ ·~~
~
Registered Offi ce : 09 , Community Ce ntre , Basant Lok, Vasant Vihar, New - 11005-Z .:b :. U / :.1.
Phone: 011 49267000, Toll Free Number: 1800 212 8800 , Email: customer. , . m ~ ,t, J/'
Webs ite: www.herohousingfinan ce.com I CI N: U65 192DL20 16PLC301481 --...:;=;;;;;;-' "'•vnV'
 _.... HeroHousing ' '
- Finance

as may be required in such Court, Tribunal, Authority in connection with all legal pro~eedings
by or against the Company in all other matters incidental thereto.

8. To sign the Vakalatnama/Power of Attorney, on behalf of the Company to appoint the

services of solicitor, counsel, advocate, pleader, lawyer in such legal proceedings as may be
considered necessary and expedient in the best interest of the Company.

9. To nominate, authorize and appoint any attorney (ies), agents, representatives, officer of the
Company and other persons to do all or any act, deed or thing as mentioned above on behalf
of the Company.

RESOLVED FURTHER THAT any of the following persons be and are hereby severally authorized
to negotiate and settle the claim on behalf of the Company, and to sign the Settlement Deed and/or
any other deed and documents as may be required to be signed and executed for this purpose, on
behalf of the Company.

S.No. Name
- -
1
--
Jaymin Mehta
-
~

2 lmran Mohammad Kureshi

- - ----
3 Rahul Nanasaheb Lahore
-----
4 _Pra~ip Prabhakar Sakpal
- - - --
5 Maulik Shah
6 Paulsamy Yadav
-· - .. -
7 Manoj Somasundaram
- ----
8 Prateek Kadiyan
-- --·--
-
9 Shobhit Gaur
- .
10 Jagdish Singh
---
11 Bansidhar Sharma
-- -
12 Rishab Jain
13 Rohit Mangal
t - -· --- ·-·
14 Durgesh Agarwal
15 Dhirender Singh
16 Yashwant Sharma
17 Jai Prakash Khandelwal
- - -
18 Vishwa Deepak Patel
- - - -
19 Alok Kumar Mishra
- - ---
20-- Ajay Shukla
---
I 21 Pankaj Kum~Singh __
r-22 -- ---- - - - ---

j 3 Varinder Singh
·-

• Amit Sood
__ .r
--
>'_j
,<;...
Rashamdeep Loona
~ jatinder Pal Singh
rr, - -- --- -
-
:~ Vz;
~-......
-
~

~arish ~eepak Goankar -- - - ---

C\'~ ~ -

-
28
-
--
Davendra
---
Chheda
Ramesh- Uilash Pa~igi;-ahi
__ ,,, _ - J -·
-- -- - - - -
29 Anand C_haturvedi' , ·
Hero Housing Finance Ltd. ';
Registered Office: 09, Com~unity Centre, Basant Lok, Vasant Vihar, New Delhi - 110057
Ph one : 011 49267000, Toll Free Number: 1800 212 8800, Email: customer.care@herohfl.com
We bsite . www.herohousingfinan'ce com I CIN: U65192DL2016PLC301481
 Hero Housing
... Finance

!
-
30 Chetan Ganpat Patade -
31 Mohd Shadab Farooqui - -- i
32 Pawan Gangaram Khatate - - - - i
I
33 Prateek Pramodkumar Bajpai I
- - - - ·---- - -
34 Hari sh_~aghu Sh etty __
1
35
--
36
37
38
39
]itesh K Dev~lkar
Adwait Suresh Joshi
Tush ar Shastri
- ---
Nitesh Krishnarao Sande
Nainesh Ramesh Unawane
-- --
-

-
- -
- - -
-

J i

!I
I

40 Pravin Ashok Pagare ---- - - ---

-
41 Mah endra Mohan Sanap I
- -- -- - ---- I
I
42 Noman Masood Khan
--- - - ----------
43 Ashish Gaur
44 Manish Kumar Sachdeva
45 Sunil Pandela
-
46 Amit Sharma
-- -
47 Vinay Paswan
- - - - - - - ·I
48 Dinesh Agarwal
- - - - ---- - -
49 Sharnbhu Kappar
-- - - -- ----- -- - -
50
51
Vikash Singh
Raj inder Singh
- - ----- - -- l
-- - -
52 Pritpa~ Sin~hJ)ang
--
Sachin Bharti
- - - --- ·-------· -
53
--
54 Surya Deo Kumar
- - - -
55 Santosh Raj
- --
56 Udit Aswal
57 ,-..,Rakesh Bansal
-·
58 Peeyush Jindal ' ,.,,;..~
--
59 Deepak Kumar Sehgal
60 Dheeraj Bhoria
61 Nahid Fatima
- - - - ----
62 Sushant Garg
----- --- -
63 Tanmay Kumar
--- , ...
64 Neetinkumar Mahendrakumar Doshi ' ~ .\ - -
65 Asif Ali \ ,:, ~
- -
66 Deepti
- -- - / r

67 . - ~ jali ~~1-1.!_
--·-~- I
68 Vikash Kumar Jha
- ------ - -~
• J,
..
,/ ___J
'II
---- ----
69 Sunil Yadav
- -- ---- ..
70 Tarun Mehta
-
71 Sachin Chawla
- - ----.
--
72 Kuljeet Singh -;:---~
--- 'I ,.
Hero Housing Finance Ltd. ' ' \,, '\
Registered Office: 09, Community Centre , Basant Lok, Vasant Vihar, New Delhi - 110057 I

Phone: 011 49267000, Toll Free Number: 1800 21 2 8800, Email: custorner.care@h erohfl.com I
Website: www.herohou singfinance.com I CIN : U65192DL2016PLC301 481 J

L
 , ,..

1
_ . . . HeroHousing
- ~ Finance

73 Virender Kumar Sharma

74 Vishal Shishodia
·-----
75 Pra bh akaran B
---------------
76 Gargi Ray _
1
77 ! Vis~~! Shivaji Satpute
78 Vaibhav Mishra
7Y Nikita IJansode
---~
80 Swapnil Chava n
81
----
Hardi!< Rajes hbhai Bundela
I
------·--------- ---- --" - --------- -
82 Pratik Popat
, 83 Kushal Dinesh Daglia
f -------- - - -- ---
84! Kureshi Mohammadshoaib
Ni tin Kumar Ja in
Arun Khatik
- - -- - - - - - - - - - - - - - - - - - - - - - -- - · -
? Yuvaraj Rameshkumar
I _88 _ Manish Si~gh Naruka
1 89 _ ~~~rpreet Singh

RESOLVED FU RTHER THAT any Director or Chief Financial Offi cer or Chief Compliance Officer
Or' Company Secretary of the Company be and is hereby severally auth orised to give certifi ed true
i:o py of th~ abovesdiJ resolu ti on ."

Certified True Copy

For Hero Hqusing Finance Limited

~ /
I\ >J- · / /
\'µ-;~/
~rtrnchi Jassi
Company Secretary
M No.: A56201
.l \dd: 9. Community Centre, Basant Lok,
\/ ,1s:rnt Vihar, NE-w Dt>lhi - J 10057

.-: ;·: o \.i<..,u~ ifig Fin a nee Ltd.

Pr:>J,i:tf!red Office: 09. Ccmmur1ity CM tr e, Ba ant Lok , \/asant Vihar, New De!hi - 110057
~•,0r~h . . ' ':-t::.".>"1 1)0O Tofl Frnt• Nurnhsr : 1800 2~2 8800. Email : customer.care@herohfl.c:,y ·n
·1,l{-1,,· ,:, · .,,, :, 1-i<: •· :housi'1~fi·,;:rn,:e.corrr I C: IN : U65 '1 92OL2016PLCJ01481 ·
 BEFORE THE CHIEF MAGISTRATE COURT AT RAIGAD- ALIBAUG
SECURITIZATION APPLICATION NO - / 2025
(Under Section 14 of the Securitization and Reconstruction of
financial
Assets and Enforcement of Security Interest Act, 2002)

HERO HOUSING FINANCE LTD.

. ... Applicant
Versus

KALPESH MANUBHAI PAREKH & ANR

.... Respondents

"ALL THAT PIECE AND PARCEL OF THE FLAT NO.403, 4TH FLOOR,
WING C, BUILDING NO.10, PHASE 2, SAi MORESHWAR COMPLEX,
SURVEY NO.15, HISSA NO.2, VANJARPADA, TALUKA KARJAT,
RAIGARH, MAHARASHTRA, HAVING CARPET AREA 577 SQ.FEET
BOUNDED BY NORTH: OPEN PLOT, SOUTH: ROAD, EAST: RESIDENTIAL
BUIDLING, WEST: OPEN PLOT."

Authorised Officer
HERO HOUSING FINANCE LTD
~. _n\t),,··~ ~
Advocate Drashti Sethia - ~
Advocate for the Applicant
 Sanction Letter
ISL1021505
. . . . HeroHousing
• . Finance
....
/ Date 23.Jan-2020
Ref No.': 1021505 Email Id katpeshparekh022@gmail.com
KALPESH MANUBHAI PAREKH Mobile No. : 8369885151
60216TH FLOOR BUILDING NO. 11 KRISHNA GREEN LAND PARK, GHODBUNDER ROAD OPP
JAIN TEMPLE NEAR SANJOG HOTEL
THANE, Maharashtra,400615
Dear Customer,
Hero Housing Finance Limited lHHFL) is pleased to inform you that basis the Application submitted by you, HHFL approved your loan
facility as per below mentioned terms and conditions:
Description
Particulars
Home Loan
Product
Purchase of oro""rtv
Loan Type
MEENA MANUBHAI PAREKH
Co-Borrower Names
t 20,00,000 f. (Twenty Lakh only •exclusive of Insurance amount)
Loan Amount Approved
t 1,00,254 /· (One Lakh Two Hundred Fifty Four only)
Insurance Amount
Tenor /in Months) 240
Rate of Interest (ROI) Tvoe Floating

Rate Of Interest (ROI) 11.00% Per Annum (HHFL Reference Rate+2.70%)

HHFL Reference Rate 8.30%

, 20,636 /· (l wenty l housand Six Hundred Thirty Six only .. Exclusive of
EMI (Installment Amount) Insurance EMll
EMI Frequency & due date Monthly (on 8 of every month)
Processing Charges 1.00%+ Applicable taxes

a)IMD f 5,900 /.
b) Processing Fees r 23,600 ,_
c) Balance Processing Fees to be paid (b-a) ? 17,700 /.
Flat No. 403 ,04th Floor,C Wing, Building No. 10, Sai Moreshwar
Complex Phase 02,Wanjarpada, Off Karjat Murbad Road,Wanjarpada
Primary Security
Villaae Neral East Raiaad.RAIGARHIMH\ Maharashtra 410101
Prepayment Charges
For individual borrowers (Floating rate ) : Nil
For Non individual Borrowers (Floa ting rate) : 0.00%+ Applicable tax on amount prepaid and on all amounts tendered by the Borrower
towards Prepayment of the Facility during the last one year from the date of fina l prepayment. In case, prepayment of loan is from own
source of funds ( except borrowing from bank/ HFC/ NBFC/ any Financial Institution ). no fee is applicable.
For Mixed Rate , Prepayment charges would be applicable as per fixed rate of interest in accordance to the schedule of charges , if the
loan is closed within the fixed tenure . There after prepayment to be charged as per the floating rate of interest charges.

Validity of the Sanction Letter 30 days from the date of issue

'EMI amount is subject to slight variance with change in the month of disbursement (upto max 4 days) depending on the days in the
month. Taxes and Levies , as and when leived.

SPECIAL TERMS AND CONDITIONS

1 Sanction is subject to Leqal & Technical Clearance of the propertv & all Satisfactorv Verification as cer HHFL Norms.
2 Subiect to Fl and FCU recort clearnce
3 Subject to lnsuranceto be taken
4 Subject to Spouse/ Co-applicant SPDCS
5 Subiect to NOC and OCR reoort to be cositive
6 Subiect to Cov of ariainal ITR to be documened in file
7 Subject to older proof of business to be documented in file
8 Subeict to closure of AL from Tata Finance before disbursement
9 Subject to Hunter check to be done

(Name & Signature of the Co-Borrower, if any)

Sanction Letter
Page 1 of

J
 1Sl1021505

{ .. ..... HeroHousing
• . Finance "
For Hero Housing Finance Limited

Authorised Signatory - National Credit Manager

GENERAL TERMS AND CONDITIONS

1. This sanction letter ( Sanction Letter) shall stand revoked/ cancelled and shall be rendered absolutely null and void
if:
a. there are material changes in the proposal for which this Facility is sanctioned;
b. any material fact concerning Borrowers income or ability to repay or any other relevant fact is suppressed, concealed or not
made known to the lender;
c. any statement made or documents submitted along with the Loan Application Form are found to be incorrect or false .
d. There is a default or breach of the terms and conditions of th is or any other loan facility offered by HHFl or its group Company
to the Borrower or any of the Co-Borrower(s).
e. legal/technicaVvaluation report is not satisfactory.
f. Sanction plans of the mortgaged property is not approved from the appropriate authorities.
g. Relevant documents are not executed by the Borrower as per the HHFls policy and format.
2. Not withstanding the issuance of this Sanction let1er and the acceptance thereof, HHFL may decide to not disburse the Facility,
repudiate and rescind this Sanction letter unilaterally without assigning any reasons
3. This Sanction let1er intends to summarize certain basic terms of the Facility and Loan Agreement and does not reflect an agreement
between the HHFL and the Borrower in relation to the Facility. This Sanction Letter shall be
4. All. Indirect taxes, duties and levies, including but not llmited to interest tax, service tax, education cess, levied under the applicable
laws as may be amended from time to time would be additionally charged.
5. HHFl adopts interest rate/ pricing methodology based on various risks associated with the type of loan , cost of funds, tenor of the loan,
type & value of security, loan amount etc. Further, HHFL periodically reviews the rate of interest and product features offered by it with
those offered by Its competitors. For a borrower, an additional risk premium may be included in the pricing based on the credit risk
associated with the customer which is a function of the customers credit history, credit information, internal rating along with other
factors like the borrowers source of income, professional experience etc. Accordingly, the applicable rate of interest may be different
from a customer to customer and a loan to other loan.
6. Ir, case of Floating Rate of Interest, the rate of interest is linked to Hero Reference Rate which subject to revision as per HHFls
internal policies based on its sole discretion.

7. From the date of first disbursement, Borrower shall be required to pay Pre-EMI Interest (al the rate applicable to your facility) till the
time your Facility is fully disbursed, subsequent to which your EMI payments will begin.
8. The Processing Fees is a non refundable fee and is collected by HHFl for the purpose of appraising the Loan Application form for the
Facility and the same Is independent of the outcome/result of such appraisal.
9. This Sanction letter is confidential and the property of HHFl and neither this document nor the contents hereof shall be communicated
to or used without the HHFls prior written consent.

10. Borrower shall immediately intimate HHFl in the event of any change in the repayment capacity of the Borrower or any information
stated in the loan application form.
11 . No third party interest, including but not limited to license/tenancy rights havebeen created or will be created without prior written
permission of HHFL.
12. The mortgaged property is free from any proceeding or adverse judgment or decree Ina Court case involving breach of contract, tax
malfeasance or other serious misconduct.

Agreed an d Accepted by the Borrower & Co-Bon-ower(s)

IM/e confirm that we understand and accept the terms and conditions of the Sanction Letter, as laid out in English/ have been explained to
us in a vernacular language of our understanding and I/ We accept the Facility on the terms set above. Ii We authorise you to collect
information about us as may be required for evaluating the proposed financing Facility, including without limitation, gathering information

M
from credit bureaus like CIBIL. I/We also authorize you to share my/our credit related information, and my/our personal data at any point of
time , with credit bureaus, statutory agency or any third party agency as you may deem fit.

~ ,:1;.~ (Na~•s•2~~.:~"~'·""''
For any query or clarification you can call on 1800-212-8800 or Email on customer.care@herohfl .com.

Sanction Letter Page 2 of

 -l;m~ng
. . .

ISL 1021505

13. The mortgaged property is free from all disputes, charges, taxes, litigation, attachment anywhere in India,
14. The Borrower shall not create any further charge , lien or encumbrance on theassets/properties funded by HHFL, without prior written
permission of HHFL.
15. The Borrower shall not sell. assign, mortgage or otherwise dispose off any of the fixed assets charged with HHFL.
16. HHFL is entitled to add to, delete or modify all or any of the aforesaid terms and conditions.
17. This Sanction Letter shall be governed by the laws or India and the Borrower and the Lender shall be subject to the exclusive
jurisdiction of New Delhi.

18. In case of Home Loan, any amount can be prepaid, however no prepayment is allowed within 6 months from 1st disbursement.
19. In case of Non Home Loan, <= 25% of Principal Outstanding in a financial year. However, no part prepayment is allowed within 6
months from 1st disbursement
20. Cheque/NACH bounce charges are INR 5001- plus Applicable tax per bounce
21. Default & Penal Interest is 2% per month on overdue payment

Agreed and Accepted by the Borrower & Co-Borrower(s)

lfNe confirm that we understand and accept the terms and conditions of the Sancti L · · ·
us in a vernacular language of our understanding and II We accept the Fa Tt on thetter, as laid out in English/ have been explained to
information about us as may be required for evaluatin the ro os d f _c1 I y on . e terms set above. II We authorise you to collect
from credit bureaus like CIBIL. I/We also authorize you ~o sh!e ~y/ e ina~~ingl Fa~lity, inclu_ding without limitation, gathering information
time, with credit bureaus, statutory agency or any third party agency ::~~:em'a;~::m ~~:orma\ion, an;:~sonal data at any point of

~~ . ~~-4l ~~t,,-j_,\ '

{Name & Signatur:J;;ffier) ~ (Name & Signature of the Co-Borrower, if any)

For any query or clarification you can call on 1800-212-8800 or Email on customer.care@herohfl.com .

Sanction Letter
Page3of
 .,, ;• ~;:;of:.,
-~. ··=

,.;"':~:,.. -,:.,,_; •.
•· ~·· .

'
.
··:
~r· · l
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at
• X

" SCl.iA1 0 21505

I ~- °' HeroHousing
.... Finance
SCHEDULE A

A. Date of Agreement

B. Place of Agreement
3 Q - o \- 2-n 'l...o
/'121.Am& et,.\
;; ~
C. Name of the Lender Hero Housing Finance Limited ,e--

C
9, Community Centre ,Basant Lok, Vasant Vihar, New Delhi· 110057
D. Registered Address of the
Lender
':i
E. Description of the Borrower(s)/Co-Borrower(s)/Guarantor

Description of the Borrower(s): INDIVIDUAL

0
Name: KALPESH MANUBHAI PAREKH
Address:602/6TH FLOOR BUILDING NO. 11 KRISHNA GREEN LAND PARK,GHODBUNDER ROAD OPP JAIN TEMPLE NEAR
~ @

1J·
SANJOG HOTEL ,THANE ,Maharashlra ,400615
Fax: PAN:AQPPP1766R Email ld:kalpeshparekh022@gmail.com
Telephone No.:8369885151

Description of the Co-Borrower(s): INDIVIDUAL

Name:MEENA MANUBHAI PAREKH
Address: 60216TH FLOOR BU ILDING NO 11 KRISHNA GREEN LAND PARK, GHODBUNDER ROAD OPP JAIN TEMPLE NEAR 'i;'
SANJOG HOTEL, THANE, Maharashtra , 400615 lv
Telephone No.: 9769583399 Fax: PAN:EOVPP5122K Email ld :ka1peshparekh022@gmall.com
~6 -
Description of the Guarantor:
f
i
Name:
Address:

Telephone No.: Fax: PAN: Email Id:

F. Loan/Facility Details

S.No Particulars Detai ls

I
"O
(l)

~ (i) Sanctioned Amount ~ 20,00,000 /. a.

(l)
ll u
Sanction Letter date and u
(ii) 2020-01-23 and 1021505 ('(!
Reference No. "O
C
('(!
(iii} Tranche Amount As Per Acluals
l~ "O
0
:r (iv} Purpose of Loan Purchase of property
.9
<I)
ii;

~
"O
C
:::i
"C
('(!
(l)
a::: i

1:

1,,

~~

B
f<tdfdJ!} ,n-= . '4crt£f1
(Borrower)
f AJ (8] (Co-Borrower)
Q ~('i
SCHEDULE A HHFL/Ver 1.0/0618 Pace 1 of 11
. ... ,.·
SCHA 1021505

(v) Rate Of Interest

a. Hero Reference Rate (as on 8.30 % per annum

date of this Agreement)

b Applicable type of Rate of Floating

Interest

c In case of Fixed Rate of NA

Interest:

d In case of Floating Rate of Floating Interest Rate (FIR) : Hero Reference Rate+2.70 % p.a. currently
Interest: 11.00%
PEMI (if applicable): Hero Reference Rate+2.70 % p.a. currently 11 .00%
The same shall be computed on a Daily Rest/Monthly Rest/Yearly Rest basis.
The same shall be payable on a monthly basis.

e In case of Dual Rate of Interest NA

(vi) Penal/Default/ Add itional 2.00%

Interest

(vii) Repayment of Loan "O

2
Q.
a Mode of Repayment NACH Q)
u
u
(t)
b Tenure of Loan 240Months "O
C
(t)
c Number of EMls 240 "O
0
0
.;;
d Amount of each EMI t 20636/-
G>
"O
C
~
e Amount of PEMI As applicable
"O
(t)
Q)
f Date of commencement of ex:
Monthly Installment

g Due Date of each EMI EMI payable of 8th of every month

(viii) Processing Fees f 23,600/-

(i x) Moratorium or Subsidy NA
(x) Prepayment Charges * NA
(xi) Part Prepayment Charges * NA
(xii ) Cheque/Instruction Dishonour f 500 /.
Charges
(Xiii) Swap Charges 2.00%

(xiv) Collection charges ? 300 /-

(xv) CERSAI charges ? 118 /-

/,
-

B (Borrower) IR] (Co-Borrower)

SCHEDULE A HHFLNer 1.0/0618 Pa e 2 of 16
SCHA 1021505

.... HeroHouslng
- Finance
Legal & Incidental expenses NA
(xvi)

(xvii)

(xviii)
Taxes

Commitment Charges, Annual

Account Maintenance Charges
As applicable

NA fj
,=:--

(xix} Option for repayment selected by

~
the Borrower(s)

(xx) Other Charges As per Most Important Terms & Conditions signed along with Sanction
Letter/Loan Application

GST, other government taxes and Levies as applicable will be levied on all fees and charges.
• For Mixed Rate • Prepayment charges would be applicable as per fixed rate of interest in accordance to the schedule of charges ,
ii the loan is closed within the fixed tenure . There after prepayment to be charged as per the floating rate of interest charges.
to
~
G. DESCRIPTION OF THE PROPERTY : Flat No. 403, 04th Floor, Wanjarpada, Off Karjat Murbad Road, Wanjarpada Village ,Neral [
East, Raigad , RAIGARH(MH), Maharashtra, 410101

~~
H. SECURITY FOR THE LOAN

a) Mortgage 1. Mortgage of the Property detailed in G above

2.
i--- I
(I)
u
b) Guarantee (Name of the u
Cl]
Guarantor(s) '"O
C
Cl]
'"O
c) Other Security 0
0
"§
(I)
'"O
C
:::,
-ci'
ro
(I)
0::

0 (Borrower) (E) (Co-Borrower)

SCHEDULE A HHFL/Ver 1.0/0618

Pa e 3 of 16
EUD1021505

END USE DECLARATION

To,
Hero Housing Finance limited
09, Community Centre,
Basant Lok, Vasant Vihar,
New Delhi-110057

Subject: End Use Declaration

Dear Sir,
We thank you for sanctioning loan Facility t 20,00,000/- (Rupees Twenty Lakh only) Vide Sanction Letter Ref No . 1021505 dated 2020--01-23.

We hereby certify that amount as disbursed under the said Facility shall be used for the purposes Purchase of property.

Thanking you
Yours Faithfully,

~dt.0 ·f,nzd.6) ll\m ~

{Signature of the Borrower & Co-Borrower)

Name of the Borrower & Co-Borrower

1. KALPESH MANUBHAI PAREKH (Borrower)
2. MEENA MANUBHAI PAREKH

END USE DECLARATION HHFLNer 1.0/0618 Pa e 4 of 16

C(;)L 1021505

CHARGES DEDUCTION LETTER

To,
Hero Housing Finance Limited
09, Community Centre,
Basant Lok, Vasant Vihar,
New Delhi-110057

Subject: Authorisation for Upfront Deduction of Charges from the Loan Amount.

Dear Sir/Madam,

We thank you for sanctioning Facility of Home Loan off 20,00,000 /- vide Sanction Ref No.1021505 dated 2020-01-23.

I/We here by authorised Hero Housing Finance Limited to deduct following charges:

Processin Fees As er Sanction letter

2 CERSAI Char es f 118 ,_

I am fully aware about the above charges and we've no objection to deduct above total amount from our loan amount.

Thanking you

(Signature of the Borrower & Co-Borrower)

Name of the Borrower & Co-Borrower)

1. KALPESH MANUBHAI PAREKH (Borrower)
2. MEENA MANUBHAI PAREKH

Charges Deduction Letter

HHFLNer 1.010618 Page 5 of 16
b

ASD1021505

ACKNOWLEDGEMENT SLIP/DECLARATION

The Borrower(s) hereby certifies, acknowledges, confirms and declares that he/she/they have duly received copies of the Sanction Letter, MITC,
Loan Agreement and other Loan Documents and he/she/they have been explained the contents thereof in the language which he/she/they fully
understand and he/she/they have understood the meaning ot all the provisions/contents of the said documents and all the other related documents
including the Disbursement Letter forming part of the Loan Documents and hereby accepts the terms and conditions contained therein.

Accepted, Signed and Delivered by the Borrower(s):

1.Borrower Name: KALPESH MANUBHAI PAREKH

2, Co-Borrower Name: MEENA MANUBHAI PAREKH Signature:

In case of Partnership Firm

j Signature
'
1Signature

I Signature

(All partners of the Firm)

OR

In case of Company/Limited Liability Partnership

ForM/S.

Director/Authorized Signatory

Application Id: 1021505

ACKNOWLEDGEMENT SLIP/DECLARATION HHFLNer 1.0/061 8 Pa e6of16

 HHFLNer 1.1/0219

Hero Housing
Finance

I
f
f

Loan Agreement & Disbursal Kit

Branch:
v.~,
Application ID : L:A:;:t~g;;;5 : :;: ::Uf/iJ~:?iJ:::::: :·:
Customer Name : Wdb. . .~ · ~~-~;,J, .
 ,
3

CHALLAN
MTR Form Number-6
0}\\.....~,
""'
GRN

Department
MH011485458201920P IBARCODE

Inspector General Of Registration

1111111111111111111111111111111111111111111111111
I Date I
30/01/2020-20:05:54 Form ID

Payer Details
Non-Judicial Stamps
TAX ID (If Any)
Type of Payment Purchase of Franking Code sos Mumbai only

PAN No.(lf Applicable)

Office Name KJT2 KARJAT 2 JOINT SUB REGISTRAR

Full Name KALPESH MANUBHAI PAREKH
Location RAIGAO

Year 2019-2020 One nme

Flat/Block No. C 403 BLDG 10 PHASE 2 SAi MORESHWAR

Premises/Building COMPLEX

Account Head Details Amount In Rs.

0030045501 Amount of Tax 500.00 Road/Street VILLAGE VANJARPADA TAL KARJAT

Area/Locality KARJAT

Town/City/District

PIN
I I I I I I
4 1 O 1 O 1

Remarks (If Any)

Amount In Five Hundred Rupees Only

Total 500.00 Words

Payment Details SBIEPAY PAYMENT GATEWAY FOR USE IN RECEIVING BANK

Cheque-DD Details Bank CIN Ref. No. 10000502020013002798 0687194606314

Cheque/OD No. Bank Date RBI Date 30/01/2020-20:07:38 Not Verified with RBI

Name of Bank Bank-Branch SBIEPAY PAYMENT GATEWAY

Name of Branch Scroll No. , Date Not Verified with Scroll

Department JO · Mobile No.: 9920519241

NOTE:- This ciiatlan ls valid for document to be r~gistered in Sub Reg_istrar office only. Not yalid for unregistered d_ocument.
~ 'ac'fal maE ~ fu@tTTP 'i:l3lclTffil'@ 1i!Tciufl ilit.ld2Il'c2II la'cl'R.'flm FffiJJ 3IT5 · utR:Uft lTI <ITT:l1'.RTT'rZ ~ J I 'cl"'4'[ 'cl"i'lal FffiJJ
'allb'1.

Page 1/1 Print Date 30-01-2020 08:08:17

 HHFLNer 1.1/0219

LOAN AGREEMENT & DISBURSAL KIT

LOAN No. I I

INDEX

Sr. Particulars Details To be executed Stamping Notary No. of Page

No. for (Rs.) signatures No.

1. Loan Agreement An agreement executed between HHFL All cases 100/- No 03 1-29
with schedule and the Borrower where the Borrower
has requested for the Facility from HHFL

2. Declaration Confirmation by the Borrower regarding Only for cases No No 01 30

for signing in the understanding the terms & where Borrower is
vernacular conditions where the Borrower is not not conversant with
language conversant with the English language English

3. Demand DPN executed by the Borrower in favour All Cases Re . 1/- No 01 31

Promissory Note of HHFL for the entire Facility Amount revenue
stamp for each
Borrower/Co-
Borrower

4. Letter of Continuity Confirmation by the Borrower regarding All Cases No No 01 32

for demand the va lidity of Demand Promissory Note
promissory note executed by the Borrower in favour
of HHFL until repayment of the entire
Facility is made.

All Cases No No 01 33
5. Disbursal Request Borrower's request for disbursement
Form

In cases other 100/- No 04 34-36

6, Memorandum of Memorandum of Deposit of Title Deeds
than Registered (Registered
Deposit of Title executed by the Borrower in favour of
Mortgage MODTwith
Deeds HHFL for depositing the original title
stamp duty as
deeds with HHFL
per local state
law)

tn case Cheques No No 02 37-38

7. Cheque Form signed by the Borrower
mentioning the details of the.cheques are submitted by
Submission fom1
the Borrower
submitted with HHFL.

;~dftM.f({~
(~_)
J
 HHFLNer 1.1/0219

LOAN AGREEMENT

THIS LOAN AGREEMENT (hereinafter referred to as th "A " · . .

and on the date meniloned in Schedule A (' Execution Date~) grecment l is made as of the Effective Date (defined hereinafter) at the place

BY ANO BETWEEN
HERO HOUSING FINANCE LIMITED, a housing f1nonce com on · · . .
Companies Act. 2013, hoving its Registered Office at C P Y re_giSlered with th e N11uonal Housing Bank and incorporated under the
09
purposes of this Agreement actrng through one of •is'b 'h ofmr· munity Centre, Basanl Lok, Vasant V1har. New Delhi-110057 and for the
- · 1 ranc o ices as mentioned in Sched le A (h · fl
which expression shall, unless it be repugnant 10 the me- . u - ,erema er called " HHFL" or " Lender "
of the ONE PART; aning or context th ereof, inean anct mcltide its successors in title and assigns)

AN D
The personis specified in Schedule A (hereinafter refer ed tO / II
be repugnant to the meanino or contexi thereof bed rd t co actively rC;ferr~d to as "the Borrower(s) " which expression shall. unless it
under lhe Companies Act. 1-956 or Com
Act. 2008. its successors: (ii) in the
rt ( )f t' . .
e!;ni .
df . n
eeme o n~e~n an~ inclu(le: (1) m the e~ent that the Borrower(s) ,s a Company incorporated
I ~~~~I. 2013 or a_ Limited L1ab11ity Partnership, incorporated under the Limited Liability Partnership
c orrower(s) is a partnership firm for the purposes of the lndia_n Partnership Act 1932 the
5 II1 311
Pa nl er or e _,me ocding rom t,rne to lime of the firm, the survivor(s) of them and their respective legal heirs executors ad~1·111·s1r~•1ors
Iega represen Ia IIves an succes~ors· l"" ) · th · · ~ ·
. . • • ·' • Ill in e event that the Borrower(s) is a Proprietorship firm, the sole proprietor and his/her legal
heir~. ~xecuto'.s. ,a?min,strators. leg~I representatives; (iv) in the event that the Borrower(s) ,s an Individual. hisiher legal heirs, executors and
admir11 5 !rators'. (\ l ~n th e event th~t tne Borrower(s) Is a Hindu Undivided Family (HUF), the Karta and any or each of the members of the HUF
and tn eir surv,vor(s)_and his/henthcir r_espechve neIrs. executors and adminlslrators; (vi) in the event that the Borrower(s) is a Society, the
members of the Soc,_ e ty for _the trme bemg and any new members co-opted from time to time: (vii) in the event that the Borrower(s) is a Trust,
the Trustees for the time bemg thereof and from time to time and their successors) of the OTHER PART;
HHFL and the Borrower(s) shall be hereinafter individually referred to as "Party" and collectively as ·Parties·. as the context may requrre.
WHEREAS :

a) HHFL . is a h~using finance company duly registered with National Housing Bank and engaged in the business of providing
fmancral assrstance and home Lo;in facili ty lo its customers.

b) The Borrower(s) has approached HHFL and requested for financial assistance or the amount and purpose stated in Schedule A of
this Agreement and has/have for the aforesaid purpose offered to secure the repayment or the Facility by providing security as is
acceptable lo HHFL.
c) The Borrower(s) in accordance with the Sanction Letter, undertaken to adequately secure the Loan to be granted by HHFL.
d) The Borrower(s) has also undertaken to secure the Loan (as defined herein below) to be granted by HHFL by providing such additional
security(ies) as may be stipulated by HHFL from time to time.
e) Relying upon the representations made and information provided by the Borrower(s) and the security(ies) furnished/to be furnished
by him/her/it/them, HHFL has agreed to grant the Loan subject to terms and conditions contained in this Agreement and Schedules
attached hereto and the Interest which 1s acceptable and binding on the Parties to this Agreement. The Loan shall be disbursed in the
manner stated hereinafter.
f) The Borrower(s) acknowledge(s) and accept(s) that notwithstanding anything to the contrary contained in this Agreement, the Loan
can be recalled and the entire Outstanding Amount (as defined hereinafter) would be repayable on demand at the sole discretion of
HHFL.
g) The Parties hereto are desirous of recording the terms and conditions in relation to the Loan to be made by HHFL to the Borrower(s)
and certain other matters related thereto in the manner hereinafter contained.

NOW, THEREFORE, THIS AGREEMENT WITNESSETH AND MUTUALLY AGRRED , DECLARED AND CONFIRMED BETWEEN THE

II
PARTIE S HERETO AS FOLLOWS:

1. DEFINITIONS AND INTERPRETATIONS

1. 1 In this Agreement, unless there is anything repugnant to the subject or context thereof. the expressions listed below shall have the
following meanings viz:
a. "ACH" means Automated Clearing House/system/arrangement operated by National Payments Corporation of India (NPCI) for
processing electronic payments.
b.
.. I/P
"Add1trona ena 11n ere
t st" means the interest chargeable by HHFL on overdue amounts, upon happening/occurrence of any of
the events/circumstances Article 2.9(b) of this Agreement. \
l
. reement includes schedules annexures, exhibits and any amendment made thereto from time to time
c. "Ag reement" means th 1s ag •
by the Parties hereto in writing .
., . . ,, eans the applica tion made by the Borrower(s) in the form specified by HHFL for_the Loan and where the
d. Applic ation ~ h . f mation submitted by the Borrower(s) to HHFL with a view to avail the Loan.
context so requires, a 11 ot er 111 or
p / ntity named as such in Schedule A attached hereto and includes Co-Borrower(s).
e. "Borrower(s)" means the arson e
., II amounts payable to HHFL by the Borrower(s) pursuant to the terms of \he Transaction
f. "Borrower(s)'s Dues sha 11 mean _ a .
Documents including, without hm1tat1on. . . ... .
. .
i. The pnnc_,pa_l amount ~at ees :~~:ti~nal
f h F Tty Interest and all other obligations and hab1htres of the Borrower(s). including any further
lnte,est, indemnities, expenses, fees CTnctuding upfront fees) com,nissions , charges )
interest, hqurda ted da .9 . · t for in connection with any Transaction Documents;
taxes, incurred under, arisrng ou o

/4l/e~ /Ji~ -u ~ [E(1)

(--,_~ \.j\.-,, \\\~
'-- ---
1

0(1)
 41
HHFLNer 1.110219

. b· • L d n order to preserve the Security Interest over the Security created/lo be created for
ii. Any and all sums ,ncurred y ,11e en er '
th urpose of the Loan pursu,ml to the Transaction Documents;
eP . bl d a iy of the Transaction Documents including, without limitation, all such costs and
...
111 · Any .=ind all sums re,mbursa e un er ' 1 • d I' ff d
. . .h . ·t l' Taxes on such costs and expenses, which may be •ncurre ant ,or su ere and/or paid
11
expenses, including, w,l ou 1m1 a 10n, < • • d
by any of HHFL in accordance with 1he terms of the Transaction Documents, an
• d rt ken af•er ;:in Event of Default shall have occurred, ail costs, charges and expenses
In ,•11e ev ent 0 •' any onforcen1ent actions un e a k' .
1
•
• . .11 1 ut limitation the costs and expenses incurred for ta ,ng possession, repossession
rd
incurred by HHFL in th at re?a inc.ltfic ,·i,
11119
· ~ ase cel'ing' or otherwise disposing of or realizing the Security tnterest created Ito b~
re takmg.
. holding expenses incurreo or sa 1e or ,e, , - '
• ' . l r any exercise by HHFL of its rights under the ·rransac t·10n Documents. .including
t d rsuanl to the Transaction Oocumen s, or O • (' I ct· th ,. •
crea e pu . ed to•«ards anticipated or actual legal proceedmgs inc u ing. w1 out IniItalion
without limitation. all costs, charges. expenses 111curr , .. · ,
allorney fees and court fees) .
. .. d • · · h · 110 t a Sunday or a public holiday for the purposes of Section 25 of the Negotiable
g "Business Day means a ay wrnc is · · · th I cs a nt' ct · h
Instruments Act, 1881 (26 of 1081) on which banks are open for gencml banking business 1n e Pac· s me ,one mt ,e
Schedule-A <1nd "Business Days" is to be construed 11ccordmgly.
" Cleara nces" shall mean any permit, permission. license. ,iµproval, authorization , consent clearance, waiv~r, no objection
h. certificate or other authorization of whatever nature and by whatever name called which is reqrnred to 1Je granted _oy a~y a~1thonty
including but not limited to any government authority, any bank. RBI. NHB, or any other authority under any applicable law.
i. " Co-Borrowe r(s)" means the Person/entity named as such in the Schedule A attached hereto.
· "C on struction" means and includes any modification, extension. renovation. repair improvement, new construction, re-
l· construction, or any other activity of a like nature, of and/or in a house, flat, apartment. building or property.
k " Control" shall have the meaning assigned lo such term 1n Companies Acl. 2013.
1. " Credit Information" means all information, documents, representa tions, particulars and clarifications furnished by lhe
Borrower(s), or the Guarantor to HHFL in any form from time lo time and shall include the information contained in the Application.
m. " Disbursement Date" shall mean the date/s arrived at in accordance with Article 2.
n. " DRT Act" shall mean Recovery of Deb i and Bankruptcy Act. 1993 and the rules and regulations framed thereunder. from time
to time.
o. " Dual Rate o f Interest" when applicable to the Loan, shall mean the interest rate which is to be computed at the fixed percentage
rate per annum specified in Schedule A hereto for the period specified in Schedule A hereto and lo be computed as the aggregate
of the Hero Reference Rate and the spread specified by HHFL from time to time, for the balance tenor of lhe Loan.
p. " Dues" means at any time , the amounts payable by the Borrower(s) lo HHFL under this Agreement including without
limi tation, the principal then oulstanding, together with the accrued Interest, additional interest, fees, costs, other charges
and expenses, Monthly Installment and/or PEMI (if applicable) payable by lhe Borrowe r(s) to the Lender in accordance with
the terms of this Ag reement.
q. " Due Dal e" means, the date on which a Monthly Installment/ PEMI (if applicable) and/or any other amou nt and/or Dues
payable under this Agreement, as the case may be, is due and payable in accordance with the terms of this Agreement. In
case the Due Dale falls on a day which is not a Business Day, the payment otherwise due on such Due Date shall be made
by the Borrower(s) on the immediately preceding Business day.
r. " Effective Date" means the date on which the first disbursement is availed by the Borrower(s) out of the Loan.
s. " Equ ated Monthly In stallments"/ " EMI " means the amount of payment set out in the Schedule- A of this Agreement to be
made monthly by U·,e Borrower(s) to HHFL in respect or the Facility comprising of Principal and Interest rounded off to the next
rupee.
t. "Finan c ial Swappi ng " or " Balance Trans fer" when applicable to the Loan means transfer of one or more loans taken by the
Borrower(s) from other banks/institution/lender for any purpose, to HHFL by availing Loan from HHFL.
u. " Fixed Rate of Interest" when applicable to a Loan means the fixed ra te of interest payable on the Loan as more particularly
set out in Schedule A hereto and on terms and conditions as contained therein .
v. "Floatin g Rate of Interest· in this Agreement or other loan documents), when applicable to the loan, means the percentage Rate
of Interest per annum applicable on the Loan calculated by aggregating as Hero Reference Rate and the spread specified by the
Lender, from time to time, and shall be paid by lhe Borrower(s) to the Lender. The current Floating Rate of Interest is mentioned
in the Schedule -A of this Agreement which may be revised by the Lender at its discretion from lime to time , It shall be applied to
the Loan on lhe terms and conditions as defined more particularly under the paragraph 2.2 below.
w. " Guara ntee" means the irrevocable and unconditional personal guarantee (if any) in favour of HHFL issued or to be
issued by the Guarantor in a form and manner satisfactory to HHFL to secure the obligations of the Borrower(s) under this
Agreement.
x. "Guara ntor" means the person/s named in Schedule A of lhis Agreement who has/have given the Guarantee and where
such person/s is/are individual/s, it shall include his/her, its, theirs heirs, executors, administrators and legal representatives
and where such person/s is/are a partnership firm, ii shall include lhe partners for lhe time being, the survivor or survivors of
them, and their respective heirs, executors. administrators, assigns and legal representatives, and where such person is/are
corporate/s. it would include its successors and assigns and where the Guarantor is a Joint Hindu Family, it would include the
members or member for the time being of the said Joint Hindu Family and their respective heirs, executors, administrators,
legal representatives successors and permitted assigns. The Guarantor shall always be a person/s acceptable to HHFL as the
Guarantor.

2
 HHFLNer 1.1 /0219

y. " Hero Reference Rate" or "HRR" _. _

time and announced/ notified by HHF~na~
or announced/ notified by HHFL froni t'
11

t .
;:~;~'1_e
~ercentage rate per annum decided by HHFL at its discretion from time to
in _
,he loan documents o, the interest rate in this Agreement, Sanction Letter
11
ime o mc as 1te HRR either th ·1 · .
to th e Borrower(s). ~ on e Is weosne or through other mode of communication

z. "IBC" shall mean the Insolvency and Bankru le C

" P Y ode, 2016 and the rules and regulations framed thereunder, from time 10 time.
aa. Indebtedness of the Borrower( )"
of monies borrowed contracted s . means any indebtedness of tt1e Borrower(s) to HHFL at any time for and m respect
(including under gua,rantees ind or r~tised (whel her or not for cash consicJeration) o, habilit1es con tracted by whatever means
, emrn 1es acceptance bond cred 1ts d ·1 h. h ·
by a person o• entity related to ' · • , epos, s. ire pure ase and leasing by the Borrower(s) or
associate or a·ffiliale of the Bo or connected with th e Borrower(s)): and shall also be deemed to include any indebtedness of any
or affiliates of H~FL. rrower(s) or any entity related to or connected with the Borrower(s), towards HHFL or any associ'ltes

ab. "Indemnified Party" shall have ti · ·

ie meaning assigned to such term in Article 8 below.
ac. "Lende r'' means the Person /entity named as such in the Schedule-A.
ad , "Loan Application Form" / "Applic ti F " · ·
f b . a on arm means as the context may porm1t or require the credit facility application
arm SU milted by the Borrower(s) to HHFL for applying for and ,lVailing of the Loan . together with the preliminary credit fac,lity
application form and all other i~formaticn, particulars. clarifications and declarations. if any, furnished by the Borrower(s)/s or any
other person from time to hme 1n connection with the Loan.

ae. " Lo~n" I "Loan. Facility·• I "Facility" means the amount of the financial assistance provided under this Agreement as more
particularly mentioned 1n Schedule A hereto and repayable in accordance with the terms hereof.
af. "Material Adverse Effect" shall mean a material adverse effect 011 or a material adverse change (in the judgment of HHFL) in (a)
the business. operations. property, assets, condition (financial or otherwise) or prospects of the Borrower(s) or the Guarantor; (b)
the ability of the Borrower(s) or the Guarantor to enter into and to perform its obligations under this Agreement or the Transaction
Documents or any other related document to which the Borrower(s) and/or the Guarantor is or will be a party; or (c) the validity or
enforceability of the Agreement or any other related document or the rights or remedies of HHFL thereunder; or (d) the international
capital or loan market; or (e) the political , financial or economic condition of Republic of India; and shall also mean and include any
event whether domestic or international, which in the opinion of HHFL could adversely affect the Loan ; or (f) the legality, validity,
binding nature or enforceability of any of the Transaction Documents (including the ability of any party to enforce any of its remedies
there under) or the Secunty created thereunder and shall include events and circumstances wherein the Security is jeopardy.
ag . "Maximum Tenure" shall mean the period determined from time to time in accordance with the policy of HHFL which is the
maximum tenure offered by HHFL to a Borrower(s) for the repayment of the Dues.
ah. "Monthly Installment" shall mean the installments payable by the Borrower(s) on a monthly basis to amortize the Loan .
of such amount as may be determined by HHFL. from time to time under this Agreement and comprises of both principal
amount of the Loan and Interest thereon. Such Monthly Installments may either be equated or otherwise.
ai. "Obligors" shall mean. collectively, the Borrower(s) and/or Security Provider.
aj. "NHB" means National Housing Bank.
ak. "Person" shall include individual. partnership firm, limited liability partnerst1ip, company, association of persons. proprietary
concern and co-operative society as mentioned & stipulated as per the relevant provisions of Income Tax Act. 1961.
al. "PEMI" means the Pre-Monthly Installment Interest charged by HHFL. at the rate stated Schedule A for the period from the
Disbursement Request Date of the Loan to the date immediately prior to the commencement of Monthly Installment.
am. "Property" means residential/commercial immoveable property more particularly described in Schedule A hereto. which is
owned/jointly owned by the Borrower(s) or Security Provider or sought to be purchased by the Bor~ower(s)/or sought to be
financed by HHFL and shall be deemed to include any immoveable property on the secunty of which HHFL has agreed to
advance the Loan.
Without prejudice to the generality of lhe above "Property" shall also include:
. f fl th ent·ire bu·,11-up area (and any addition thereto). the proportionate share in the common areas of the :\
I In the case O a at, e · · · · h I d h' h th 'd b ·,ct· ·s
· . . . • h fl t · / ·11 be situated and the proportronate und1v1ded share m t e an on w 1c e sa1 u1 ing 1 '1
building 1n which sue a 15 WI , I d h fl t· di
. . • - b b ·1t
situated or 1s being1wr 11 e u1 , 1
·ncluding any open/ covered garage spaces specifically al otte to sue a • an or
, d. 'd h the house and entire plot of land on which the house is situated or on which the house
ii. In the case of an in 1v1 ua I ouse,
will be built up including all easement rights; and/or . . . . .
. . . t the structure and entire plot of land on which the structure 1s situated or 1s bemg bu1II/
iii. In case of an 1nd1v1dual s 1rue ure,

v.
will be built or

All furniture and fixtures contained in the Property, (if any); and/or . .
.

.
· · . d/
d ·th t cancellation/termination /exchange of any easement nght attached with II. an or
iv. In the case of a plot of land. the Ian w, ou

•b d ·n Schedule A including enlire built-up area. proportionate land and all other
\ I

vi. Any other immovable properly as descn e I

· ht attached to such property. . . .
ng s . L • availed by the Borrower(s) more specifically mentioned m Schedule A
an . "Purpose" means the purpose for which the oan is

attached hereto. . . be charged on the Loan which is subject to review by HHFL from time to
th ate at which interes1 w1 11 R f t
"Rate of Interest" means e r . d f' ed Rate of Interest. Floating Rate of Interest or Dual ate o Interes . as
ao. . f the date of first disbursement. It inc1u es ix
: ; :::pplicable to the Loan under this Agreement.

"RBI" means Reserve Bank of India.

,,. r<J-1,e,//,,~
')
 HHFLNer 1.1/0219

t f the principal amount of the Loan, Interest thereon , commitment and other charges,
aq. "Repayment" me:m' ti c ,cp:iymen o lHFL
premium, fees or other du(.'$ p:1ynble ur1der this fag recment/Schedule to ~. . .
., . tt ·nncun t mtldO •wailable by HHFL for d,soursal to the Borro·...-er(s} as Loan.
ar " Sanctlono l Amount n1e.1m, 1O • • •· .
· • .. • ti !"lt•r ii -ny issued by HI-IFL sa nctioning the Loc1n with the relevant particulars as menlioned
as. " Sancu on LcttN uw.1 • 11 1O ,, • " • • . . .
in the letter in::i,:-1, 11 , 1 .:im l't1Ch letter issu·•d subsequently with any mod1ficat1on.
at '' SARFAESIA r- sh:i I niea,1 St:1curiti!'<1tiun ,rnd Reconstruction of Financial Assets c1nd Enforcement of Security Interest Act, 2002
an tt il ru!c :=md re0u1.,11ons lrnrned thereunder, from hrnc to t11r1e.
au. "Schedule" mean s nnd ind ud tile cl1edule(s) att;.1ct1cd hereto and formi ng an integral part of the /1grt:ement.
"S •t •• -·n ~•i , ,~- -nv mrntg·ia" plotig Ii n cha rge , assignment. hypothecation or security interest 8S mo1y be created or
av ecurt y ~ u t 1,t.: ...111 lt '" "_..... • , h' A t
· screed to lle cre:ited by th~ 8 o!fower(s) in favour of HHFL to sewre the obligations of the Borrower(s) under I 1s greemcn .
aw. .,;ecurity Documents •· ~hnll mean any ctocun1ents. undertakings. agreements, deeds, notice, declarations. undertakings,
,rn:!en;ni:ies.. uff, mils. writin.,s. Clearances , certificates . no-objections. letters, filings. forms. physical or electronic. for. to•.-1a rds or
in re:Jli.Jn i crcat'◊n. N!rfection. filing , registering, etc. of Security Interest and/or issue of guaranlee. as part of the Security and
wre!her e,e ... ,.i:cd b\' ti:e Borrower(s), Security Providers. HHFL or any lhird party, as per the requirement of HHFL and as may be
r r<)stote:i from time to time, as per !he req uireme nt of 1-IHFL.
a, . ,. Security Interest .. :; all mean any mortgage. pledge, lien, charge. assignment, hypothecation, escrow or other security
.::::;a<'$'. ~:::--..:-;•: ,ny c,!)!i ation of any Person or nny other agreement or arrangement having the effect of conferring a
2

=···•SE-c.._..,:-: ?rcY1 dar'· s"a '' n:e-an any Person whose property or assets/any part thereof are/shall be charged andiorwho creates/is
· -=--=- -;,..:.':::,::.-a1'.2 6~;· Serurr.y !nterest 1n favour of HHFL, to secure Borrower(s)'s Dues or any part thereof and/or who issue s/is
-?:'- - ,;-: :: s.s.a 2- f~a,rn:ee. guaranteeing to the Lender the performance and discharge of the Borrower(s)'s Dues.
~ ' S:.:·::::.· f r structions" I " SI"/ ''Direct Debit" shall mean wrilten instructions given by the Borrower(s) to HHFL to debit the
,; :.:::-,_ · : : ' :.·": 3 :: - :--,•,-erts) maintained in a bank acceptable/approved by HHFL for the amount of the amount of the installment,
- ,:,:- :-..--:•- ·~-/ s;;: o::'. ;:, the Schedule-A attached hereto.
: a ··12x,s- or ~Tax~ s'>i! inc!ude any and all present or future, direct or indirect, claims for tax, levy, impost, duty. cess. statutory
~--'=~ :· ::..~e.- :.'lar;;e of a simila; nature (including any penal ty or interest payable in connection with any failure to pay or any
::e-••: ··;;.al•:; any cl \he same) including on gross receipts, sales, turn-over, value addition, use, consumption , property. service,
~::::- e. ;-; -.::r~a. cao:tal, occupation, license. excise, documents (such as stamp duties), customs, goods and services, other
:;:.,es. c'.J:'.:s. assessments. lees or obligations, including for any past liabilities and obligations, however imposed. withheld,
~. ~ - o: assessw by any government authority, but shall not include Tax on the income of any Party.
to. ''Transaction Doc uments" shall mean collectively this Agreement. the Security Documents and any incidental documents, other
agreer:-ents. declarations, undertakings, indemnities, affidavits, deeds, writings. filings. Clearances, certificates. no-objections.
letters, forms or documents executed/to be executed in relation to or pursuant lo the Facility, the Agreement, or the Security
Documents, as per the requirements of HHFL and as may be amended, confirmed or restated from time lo time. as per the
requirement of HHFL.
be. '. 'This _Ag reement" or " t he A greement" means this loan agreement executed by and between HHFL and the Borrower(s),
including all the schedules and annexures hereto and any amendment or modification thereof that may be executed by
and between HHFL and the Borrower(s) herein from time to time . It shall also include the Application submitted by the
Borrower(s) lo HHFL for grant of the Loan and the Sanction Letter issued by HHFL to the Borrower(s) sanctioning the Loan .
1.2 In this Ag reement. unless the context otherwise requi res:
a. words denoting the singular number shall include the plural and vice versa;
b. Recitals shall form an integral part of this Agreement.
c. In the event of any ambiguity between the terms and co nditions o! Sanclion Letter and Loan Agreeme t th t
Agreement shall prevail. n , e erms of Loa n

1.3 ~; there is more than one Borrower(s) mentioned in Schedule A hereunder written wherever th .
Borrower(s)" shall be conslrued as "Borrower(s)" and the grammar d t' . f e context so requires . !he word
d dt b . an cons rue 1,on o every concerned s t h 1
eeme o e appropnately amended so as to indicate more than one Borrower(s) S ·1 I ·1 . en ence s al be
wherever the context so requires, the word " Guarantor" shall be construed as "G . imt, arr,, ' there is more than one Guarantor,
uaran ors and the gramma d .
every connec ted sentence shall be deemed to be appropriately amended so t . d' r an construction of
as o in ,ca 1e, more than one Guarantor/s·
1.4 The terms and expressions not herein defined shall where the interpretation and meanin h • '
General Clauses Act, 1897, have that inlerpretation and meaning. g ave been assigned lo them in terms of the

1.5 References to the masculine gender include references to the feminine gender and the neuter ge nder an d vice-versa
. .

2. LOAN AMOUNT, INTEREST ETC.

2.1 LOAN
a) Pursuant to the Sanction Letter and subject to the terms and ·· •
subject to the fulfillment of the relevant conditions pre d I b c~nd1t1ons set forth 111 the Transaction Documents and
Borrower(s) and the Borrower(s) hereby agrees to avai~~roe~ H~;L et~o;ower(s), HHFL hereby agrees to provide tci the
attached hereto as Loan . . ' • e anctioned Amount mentioned in the Schedule-A

b) Once the Application form submitted by the Borrower .

seek disbursemen t of_ the Loan, the Borrower(s) shall ~s~ 1\:i,~c;pted by the Lender, if the Borrowe r(s) d oes not want lo
charges as may be stipulated by HHFL. or payment to Lender of such cancellation or foreclosure

/4 4
 HHFLNer 1.1/0219
2.2 INTEREST
a) The Loan shall carry Rate of Interest as . .
5
mutually agreed between HHFL ar.d th pecified ;n Schedule A. The Rate of .
Interest or Dual Rate of Interest Su . he _Borro•.•,er\s), the Borrower(s) h Interest snail commence from the Effective Date. If
option under Schedule A hereu~derc~ ~t oice lhe Borrower(s) shall be ;ay ~ ~ eil er Fixed Rate of Interest. Floating Rate of
h
01 0 58
1
in this Agreement shall be applicabl\.~, en and the terms applicable 10 suC:~ ,ca yfmdicated by the Borrower(s) by ticking the correct
e ,o the Borrower(s). ate O Interest, m addition to the general terms as slated
b) The Borrower(s) shall also be liable 1
• o pay the PEMI, if applicable
c) The Borrower(s) hereby agrees and fi ·
con irms th~1O in d
towards repayment of the Loan and or er lo work out suitable M h
agrees to pay Monthly lnstallme t I payment of Interest, HHFL has adopted ont ly Installment to be paid by the Borrower(s)
n ca culated as aforesaid, a reasonable and proper basis and the Borrower(s}
d) In the event the HHFL reduces or inc
. reases the Rate of I11 t
of Interest shall be varied on weighted aver . . crest rate prior to the disbursement of the full
1
entitled to re_~isc !he ~ate, of Interest at any ti!~ea~~s;: ~ ::;:e;erence to the . tranches disbursed I lo be d::::r~:~.
0
ai~~~~~a~:
regulation~, " any, dunng ,he tenor of !he Loan at its sole ct· e o time as pe_r ,ts policy, market conditions and/or applicable laws ,;nd
a prospective effect. HHFL shall inform the Borrower(s) b1scr,eth1on. Such va_na tion/revision in respect of the Rate of Interest shall have
a ou I e vanalion in tho Rat f 1 1 ,
e) In the event the Parties agree tha t th - e o n erest m due course.
. t . e 8 orrower(s) shall be enru I d t th .
mteres applicable to the Loan and the terms appl· bl e O e Fixed Rate of Interest offered by HHFL the rate of
·
Agreen1e nt, are as s talee! in ,ca e to such Fixed Rate of I t · ·· ·
Schedule A. However, upon ex i f . . n erest, m addition to the general terms stated in this
based on the Hero Reference Rate (as defined und S h Pd ry th e Period of Interest, the Loan shall attract Floating Rate of Interest
O

f) Notwithstanding the above ·n th er c e ule A) plus/ minus the spread prevailing at the time of sanction.
, , I e event of any extmordinary or f h
shall in its discretion be entitled to change th .d F'. un oreseen c anges in the money market conditions HHFL
• d e sa, 1xed Rate of Interest with inr
so 1e JU ge to determine wt1ether such conditions exist or not.
r I h B ·
una ion o t e orrower(s). HHFL shall be the
g) In the event the Parties agree thal the Borrower(s} sh II b · •
th
interest applicable to the Loan and the terms applicable ~o su:,~;\itted to e Floating Rate of ln_terest offered by HHFL, the Rate ot
Agreement, are as stated ,n Schedule A. oatmg Rate of Interest, in add11ion to the general terms stated in this

h) In the event the Parties agree that the Borrower(s) shall b rI f

applicable to the Loan and the terms applicable lo h De ~~It td to or the Dual Rate of Interest offered by HHFL, the rate of interest
are as slated in Schedule A. sue ua a e of Interest, m add1t1on lo the general terms stated in this Agreement,

i) The Borrower(s) shall also be liable to pay the PEMI, if applicable.

J) The Borrower(s) hereby agrees and confirms that in order to work out suitable Monthly Installment to be paid by the Borrower(s)
lowa rd s repayment of the Loan and payment of Interest, HHFL has adopted a reasonable and proper basis and the Borrower(s)
agrees to pay Monthly Installment calculated as aforesaid.
k) The Borrower(s} ~grees that no intimation shall be given by HHFL as to enhancement or reduction in the number of Monthly
Installments requ1red_to_ be paid by the Borrower(s) upon any adjustment in the rate of interest. Provided, however, that the
Borrower(s) shall be 1n~1mated_about the applicable/ applied adjustment in the Rate of Interest during the preceding financial
~ear on an annual basis, w1th1n such time from the end of the financial year as HHFL may determine. Such revised rate of
interest shall be applicable prospectively from the dale of such revision .
I) Any default by the Borrower(s) in payment of the Dues or a breach of any of the other terms and conditions contained herein
would result in penal interest being charged to the Borrower(s) at the rate mentioned in Schedule A hereunder written on th~
entire Dues (which are due and not paid), leviable from the relevant due date on which the default has occurred till the date
of actual payment/ rectification of default. The same shall be without prejudice to HHFL's other rights and remedies under
any law or otherwise. Also it is hereby clarified that the obligation to pay the penal interest shall not entitle the Borrower{s)
to claim a defense that no event of default as mentioned hereunder has occurred.
m) The Borrower(s} hereby acknowledges, agrees and consents that HHFL, at any lime during the term may vary/ reschedule/
enhance the rate of interest depending upon the 'Credit Performance of the Borrower(s)' or on the happening of a 'Market
Disruption Event' and the same shall be intimated lo the Borrower(s). The term 'Credit Performance of the Borrower(s)' for the
purposes of this clause shall mean and include, but not limited to any non-payment of Loan, non-payment of Interest, non-
payment of PEMI /Monthly Installment's in time or non-compliance with any of the terms of this Agreement. The term 'Market
Disruption Event' for the purposes of this clause shall mean and include, but not limited to, any event which affect the costs of
funds to HHFL.
n) For a Loan on Floating Rate of Interest or Dual Rate of Interest, the Lender hereby confirms that any revision in the Rate of
Interest payable by the Borrower(s) shall be duly informed to the Borrower(s) through any of the means ~f communications
agreed by the Borrower(s) in this Agreement. The Borrower(s) agrees that the Borrower(s) shall have no ob1ect1on to any such
revision in Rate of Interest. The revised Interest Rate shall apply prospectively only.
o) In the event of any revision in the applicable Rate of Interest, for a Loan on Floating Rat~ of tnterest or Dual Rate_of Interest,
the Borrower(s) shall thereafter be required to pay Interest on the Loan a:
sue~ new applicable rate. The Lender will apply the
applicable rate on first day of the subsequent month following the month in which Hero Reference Rate is changed, subject to
the following terms and conditions:
i. Without prejudice to the general right available to HHFL to amend the _R edp?yment Scdhedul ~ fro m_ time to ti mh e,EtMhe Lender
• rease in the Floating Rate of Interest, be enll 11 e in its so 1e ,sere 1ion 1o increase 1 e 1amoun 1
may, consequent to any inc . .
suitably including without limitation in the followmg cases.
a. the EMI amount Is not adequate to cover interest payments In full, or
. ( ) is an individual) the revision in the Rate of Interest results in extension of tenure of the Loan
b (1n case that the Borrower s •· ( ) · 65 Id
· . f (") the retirement age Jf the Borrower(s); OR (11) the Borrower s turning years o .
beyond the earlier o 1
 Lt s
~

. 'J HHFLNer 1.1/02lg

. . ,, t Rate and consequential increase in the EMls/ PEMls, the Borrower(s)

· se in th° Floal!ng 1n 1_res ' d·t· 1· I t d I ·
..11 In the event of any 1ncrea . - E ~I PEtvll arnount and/or the resultan t I reren 1a amoun as e ermined by the
· • d 10 pay such increased fll /
shall be requ,re . . d intimated to the Borrower(s).
HHFL in its sole d,scre1ion an . . -b
. h the Lender in its sole d1scret1on may prescn e, and to do all such acts
) h II dhere to the procedure w h ic d EMI t ·
iii . The Borrower(s s a a . . d lo mak" payrnent of such increase amoun or collection of the
deeds or things as the Lender may require ,n or er c ,

differential amount. · · 1 d. 1· d
. . . Fl t' Interest Rate , the HHFL may, In its so e ,sere ion, re uce the EMI
rd 1 9
iv. Consequent _10 any downwa rev,si~~/:)t :~all :.~~ere to the procedure prescribed by the Lender in its sole discretion and
a 111 ount and in such event, th e Borre\ ( ·re in o rder to give effect to such reduced EMI amount.
to do all such acts or deeds as the Lender may requ1 . . .
• 1 t d herein subject to any other changes In the amort1zat1on schedule as
v. The Borrower(s) will repay the Loan as st1pu a e ,
communicated by the Lender in writing to th e Borrower(s). . . . . .
R
f r ,e to tim e in such manner as the HHFL mc1y deem flt in its sole d,scret1on as
p) HHFL may revise the Hero Reference ate rom m
per its internal policies.
d. d . r the Loan shall accrue monthly and be calculated based on the actual number
q) 1
:;\:::: :i~;::~e:~~n/;~~:~stl~~:: ~:n~r~~:n~ sixty-five (365) days and shall be paid on he Due Date. _ .
F. d R te of Interest may at the sole discr lion of the Lender, he revised suitably and
r) Notwithstanding the same, fthel ,xe . ~lie internal policie; or the Lender or if unforeseen or extraorclinary changes in the
rospectively on account o c 1anges 1n ti · h t
P ' ·· , I change in any Applicable Laws or regula tions or due to any o 1er reason w a soever.
money market cond1tIons taKe pace or any
.,n to accrue simultaneously with the Lender's disbursement of the Loan by issuing
s) Rate of Interest on ti1e Lcan s hall beg . . • · f
· t · /d niand draft or otherwise without the Lender concerning itse lf with the receipt o such
disbursement paymen oroer e f h ·
disbursement by the beneficiary/recipient and also with the realisation of such payment order /dema nd dra t or t e time taken
in such realisation;
t) Rate of In terest from the date of Disbursement till the commencement of the EMI shall be payable every month as per the PEMI
mentioned in the Schedule- A or Sanction Letter or as calculated by HHFL.

u) The changes in Rate of Interest and charges will be effected prospectively.

2.3 DETAILS OF DISBURSEMENT/ PURPOSE OF LOAN

a) HHFL shall disburse the Loan in one lump-sum or in tranches, as may be decided by HHFL subject to the fulfillment of condition
precedent as set out in Article 4 . The aforesc1id decision of HHFL in this regard shall be final , conclusive and binding on the
Borrower(s).
b) The Borrower(s) shall acknowledge the receipt, in the form required by the Lender, of each amount so disbursed.
c) The Loan shall be used exclusively for the purposes mentioned in Schedule-A hereto and for no o t11 er purpose
d) The request submitled by the Borrower(s) to HHFL seeking disbursement of whole or part of the Sanctioned Amoun t ("D isbursement
Request Form·) shall be irrevocable and shall commit the Borrower(s) to borrow in accordance with the Disbursement Request Form.
e) Where the purpose of this Loan is Financial Swapping or Balance Transfer HHFL may make disbursement to the original ba nk/
institution/lender in any manner. in as many stages, at any place as may be determined by HHFL and the same shall be deemed lo
be a disbursement to the Borrower(s).
f) Disbursement of the Loan shall be deemed to have been made to the Borrower(s) on the date on which the Borrower(s) requests
such Disbursement to be made or the date on which the Borrower(s) requires the cheq ue to be drawn or on the date of actual
disbursement, whichever is earlier. The date on which disbursement is deemed to have been made as aforesaid shall be referred to
as the "Disbursement Date".
g) The Borrower(s) does hereby acknowledges, agrees and accepts that pursuant to arrangements that HHFL may have with
builders or developers, tile actual date of disbursement by HHFL to the builders or developers may be different and/ or
HHFL may receive some additional , be nefits from such builders in addition to interest under this Agreement pursuant to such
arrangements. However, notwithstanding th e above , the Borrower(s) does hereby confirm that the Disbursement Date shall
be the date from which the interest on the Loan will begin to accrue in favou r of HHFL and the amounts so requested to be
disbursed sha ll become outstanding due and payable by the Borrower(s) to HHFL.
h) Where the Borrower(s) and HHFL shall have agreed for the Dual Rate of Interest, any disbursement made shall be treated
proportionately into two components of the Loan (one attracting a Fixed Rate of Interest and the other an Floating Rate of Interest}.
The proportion in which such division would be made would be the proportion of division of tile Loan between Fixed Rate of Interest
Loan and Floating Rate of Interest Loan .

2.4 MODES OF DISBURSEMENT

a) HHFL may, subject to the fulfillment of the conditions precedent set out in Article 4 of this Agreement and subject to the Borrower(s)
making a disbursemen t request to HHFL in the form and manner prescribed by HHFL, disburse the Loan, directly to the builder or to
!he developer or to the society or to the vendor or in favour of any third party or person as may be directed by the Borrower(s) in the
form specified by Hl-fFL or to the Borrower(s) himself at the sole discretion of Hl-fFL. The same shall be deemed to be a disbursement
to the Borrower(s).

b) The Borrower(s) hereby unconditionally and irrevocably authorizes HHFL to disburse the Loan as per request made by the Borrower
in this regard, provided the conditions precedent set out in Article 4 of this Agreement have been fulfill ed and the Borrower(s) has
made a disbursem ent request to HHFL in the form and manner as set out by HHFL and unless the Borrower(s) makes a specific
request to HHFL to stop disbursement by writing a letter informing HHFL of Its intention to do so at least 7 (seven) days prior to any

6
 HHFL.Ner 1.1102 19

scheduled Disbursement Date. In the event th th •

.at e disbursement · ·
acknowledges that the Borrower(s) shall ·inde ·r d is in accord11nce with this clause the Borrower 1's) agrees and
c mn1 y an ke"p HHFL • . . ·
charges, expenses. losses or damages\' ·h·ir h m b . ~ indemnified against ail actions. suils, proceedings and all costs,
. • · ' ~ ay e incurred or suff d b HH
instruction given by the Borrower(s) Notw,th t d · ere Y FL by reason of any disbursement request or counter
at any time if HHFL is of the opinion that ~ s an ingl
th9
above, HHFL shall have the right to stop further disbursement ot the Loan
, . us a resu t of change i · t
Borrower(s) s financial condition or profits orb . n circums ances there hris been a Material Adverse Effect on tho
· usinoss and of any n t .
that HHFL may, at the request of tho Borrowc ( ) . . . . ia ena 1c1iange 1n the Borrowor(s)'s business. It is hereby clarified
1
period over which disbursements may be ma~ s (,'°~~;ale discretion: amend tho schedule of rhsbursement by either increasing the
additional conditions as HHFL may stipulate in~- y ; ~ by reducing the_same. sub1ect to fulfilimcnt by the Borrower(s) of such
1
certification/ intimation of happening of such ~ ;egar · HFL shall be entitled lo disburse monies under tt11s Agreement based on
. even rem the builder, contractor, developer or other person. as the case may.
c) HHFL shall have the right to adjust PEMI or any othe d · •
· r ues against und1sbursed amou nt of the Loan
d) Disbursement shall be deenied to have been made tO ti 8 ·
or through electronic transfer as the c b ie orrower(s) on !he date of the disbursement by way of cheque or pay order
ase niay o or on the date of setting up of the account.
e) The disbursal for the acquisition of the Propert ·11 b
the builder/develcperiseller and I1 f . ~ w1 e made after the Borrower(s)'s own contributio11 has been rnade for the same lo
. . 'r sue proo is ,urn,shed
cons true I,on1improvement o Property shall be d I r
to HHFL, as may be necessary or desired by HHFL The disbursal towards
·
. . m,1 eon Yater the Borrower(s) commences the construction/improvement work on the
Property and such proof IS furnished to HHFL by the Borro\'/er(s), as may be necessary or desired by the HHFL. The disbursal shall be
1 st th
~ ages as pe_r c,progress of the Nork as prescribed in terms of the internal guidelines/policy of HHFL. as applicable from time to
lime. The decision o, HHFL 111 this regard shall be final, conclusive and binding on the Borrower(s). The Borrower(s) shall acknowledge
the receipt, m th~ form required by HHFL, of each amount so disbursed. In all cc1ses, disbursal shall be subject to creation of charge
on the Property in favour of HHFL to the satisfaction of HHFL

2.5 ALTERATION IN LOAN TENURE, PEMI (IF APPLICABLE), MONTHLY INSTALLMENT ETC.
a) If the entire amount of the Loan. subject to clause 2.4{a) above, is not drawn by the Borrower(s) within a period of 12 (twelve)
months from the dale of first disbursement or if the Borrower(s) has committed any Event of Default as described in this
Agreement prior to the full disbursement of the Loan or if the Borrower(s) has/have requested to HHFL in writing to reduce the
sanctioned amount up to the amount disbursed by HHFL till the date of such requ est. then without prejudice to the rights and
remedies of HHFL under th1 sAgreemenl or otherwise in equity or in law, the aggregate amounts disbursed to the Borrower(s) up
to such dale shall, at the discretion of HHFL. without any prior intimation to the Borrower(s), be deemed to be the Loan amount
and HHFL shall not be required lo advance any further amounts and the Monthly Installment shall commence forthwith . In such
case irrespective of the Loan amount as mentioned in Schedule A the amounts advanced so far shall be deemed to be the Loan
for the purpose of this Agreement.
b) In any of above events, no part of the processing fees or administrative fees shall be refunded or adjusted towards any amount or
other charges or fees in future payable by the Borrower(s) to HHFL.
c) In the event of the Borrower(s) being desirous of shifting from a particular type of Rate of Interest agreed to by the Borrower(s)
and HHFL earlier lo another type of inlerest rate or a combination of the other types of interest rates, the Borrower(s) may do so
if permitted by HHFL at such time and on execution of such supplemental documents as may be required by HHFL and further
on payment of conversion charges as mentioned in Schedule A, of the outstanding Dues, which conversion charges may be
revised by HHFL from time to time.
d) Notwithstanding anything herein contained, HHFL shall have the right, at any time or from time to time, to review and reschedule
the PEMI (if applicable), Monthly Installments, tenure or the Loan amount, with or without any application in this regard having
been made by the Borrower(s), in such manner and to such extent as HHFL may in its sole discretion decid_e on account of
changes necessitated because of any part payment made by_ the Borrower(s) or changes 1n percentage of interest payable
under the agreed method of computation of interest or conversion by t~e _Borrower(s) from one type of '.nterest rate to the olher
type(s). Provided that if as a result of such review/ rescheduling, the ongin~I tenure of the Loan 1s required to be extended, the
same shall be done only to the extent of the unu!ilized portion of the Maximum Tenure. In such event/s the Borrow~r(s) shall
·ng amount thereof as per the revised Schedules as may be determined by HHFL 1n 1ls sole
repay the Loan or th e ou ts tan dl . d r · · r ·
discretion and intimated to the Borrower(s) in writing. Where such alteration or resche u 1ng invo 1ves vana 10n in
i. the date for payment of PEMI (if applicable), Monthly Installments; or
ii. the amount of interest, principal or Monthly Installments; or
iii. the numbers thereof ; or
iv. !he Monthly Installment which is not adequate to cover interest payments in full : or .
. It · th t m of the Loan exceeding the retirement age of the Borrower(s)as applicable.
v. the Monthly Installment which resu s 1n e er
vi for any other reason Monthly Installment attracts change. .
· t f rthwith issue fresh standing instruction, fresh ACH mandates, fresh electronic
nd nd
e) the Borrower(s) agrees a u erta~:v::.(s~ hereby agrees that in the event the PEMI (if a_pplicable) / Monthly Installment 1s
80
transfer, as the case may be. The .d the Borrower(s) shall be liable to pay rescheduling charges to HHFL at such rates
reviewed/ rescheduled by HHFL as aforesa, ·
as HHFL may Slipulate. ( ) t HHFL are non-refundable and the Borrower(s) hereby undertakes not to claim
f) All charges paid/ payable_ by ll~e Borr~~t:tun~er any circumslances whatsoever.
refund of any charges paid by it from

2.6 PAYMENT BY MONTHLY INSTALLMENTS L shall be repaid in accordance with the agreed Monthly Installment Schedule.
· 1 ct·is bursernenl ' the thoan
Where the Loan is disbursed by a singe Borrower(s) may by mutual agreement with· HHFL, choose one of th e ro 11 owi ng
. than one lnstallmen 1, e
Where the Loan is disbursed in more
 HHFLNer 1.110219

. 11 Y ·ndicated
I
by ticking th e correct option under Schedule A hereunder written. The Borr ,
haII be spec1fica t·ons d fi h • • d. t d h. 01,er(s)
. ch agreements mentioned below an con 1rms av1ng in 1ca e Is agreement after evaluating h
three options. 5u t od each of the three op I eac of
confirms having unders o
me options.
a) Option 1 - PEMI t hall commence only after the entire Loan has been disbursed by HHFL to the Borr
·s Option 1 the Mon thI Y ln 5lallmen s ~onthly Installment Interest from the Borrower(s) in the manner provided in this Agrower(s).
1
Under th · h II only charge pre• . f t. A t. eement
r such date HHFL s a h p rties at the time of execution o t 11s greemen 1s annexed hereto and marked as S h d ·
Be ore ch dule as agreed by t e a c e ule
The repayment s e

A. , - Monthly Installment on Full Loan Amount . .

b) Opllon 2 d It t the disbursements shall have occurred on the date of first disbursement itself wh· t .
It hall be deeme ,a b d . IC l Will
Under this Option 2, s ou h balance disbursements may be made on su seque nt ates. Consequently, Monthly Installments
th
be a portion of the Loan, al g and be payable by the Borrower(s) fro m the date on which the first disbursement is , d
. nt shall commence . m<1 e
on the entire Loan amou t II be calculated by HHFL on th e basis that th e entire Loan amount has been disbursed Th
M thly Installments s 1a . f . A . • e
by HHFL. The on th Parties at th e time of execution o ll11s grecmen 1 1s annexed hereto and marked as Sched 1
repayment schedule as agreed by he t the Monthly Installments payable by the Borrower(s) have been ca lculated tiy HHFL on tuhe
s) acknowledges l a rt f L e
A. The Borrower ( . th been disbursed, even though o nly a pa o II ie oan amount may have been disbursed b
basis that the entire Loan amoubn a~ertakes to pay the same on the terms and co nditio ns provided in this Agreement In the ev ~
HHFL and the Borrower\s) here,. Yb un d by HHFL either al the request of the Borrower(s) or for any other reason whats.oever Hl-~Fnl
r Loan amount is not c ,s urse h d 1· I ,
the en ire . he re a ment schedule of the Borrower(s) by resc e. u 1119 I 1e ten ure of the Loan only. It is hereby clarified
shall make adi ustment to
I
hp
that the Monthly Installments s a , a
ii s a result of any such rescheduling , remain unchanged
.
c) Option 3- Monthly Installment on the Disbursed Amount
Under this Option 3, Monthly Installments shall commence and be p~ya~I~ :~ ll~l-~Fo:rowe~(s~ from te date on which the first
disbursement is made by HHFL. The Monthly Installments shall be ca cu a,e Y on I e as1:5 I at the entire Loan amount
has been disbursed. However. the number of Monthly lns~allments payable by the Borrowcr(s) to HHFL shall be only 50 many as
shall be sufficient for repayment of the amounts actually disbursed by HHFL . Th e repayment sche~ule as agreed by the Parties at
the time of execution of this Agreement is as annexed hereto and marked as Schedule A. When HHFL makes further disbursements
10 the Bonower(s), HHFL shall provide for amortization of such additional monies disbursed by increasing the number of Monthly
Installments to be paid by the Borrower(s) while the amount of each Monthly Installment shall remain unchanged.
d) It is hereby clarified that in the event the Borrower(s) has, after one or more disbursement(s) but before any subsequent disbursement(s) by
HHFL, repaid to HHFL the entire amount disbursed by HHFL till such time along with interest, additional interest, fees, costs, other charges
and expenses payable by the Borrower(s) lo HHFL under this Agreement for th e principa l monies disbursed by HHFL till that dale, the
Agreement shall continue to be in force and effect notwithstanding that for some period of time (till further disbursement by HHFL) there
may be no monies outstanding and payable by the Borrower(s) to HHFL.

2.7 MODE OF PAYMENT, TIME , PLACE ETC.

a) The Borrower(s) shall pay promptly, in full the PEMI (if applicable), Monthly Installment and all other amounts payable under this Agreement
without any demur, protest or default and without cla iming any set-off or counterclaim, on the respective dales on which the same are due.
b) Payments can be made lhrougt1 cheque/s, bank drafl/s, pay order/s, standing instruction/s, ACH /Electronic Transfer or in such other
manner as may be approved by HHFL and the payment shall be made in such manner so as to be realized by HHFL on or before
due dates applic;able. It shall be the responsibility of the Borrower(s) to ensure adequacy of funds in the bank accoun t from which
the repayment is being made.
c) In the event HHFL so· requires th s () h • · · · t h s/
• . · e orrower s s all provide lo HHFL such cheques as HHFL may require including mchoa e c eque
mslruments under Seclion 20 of the Negotiable Instruments Act , 1881.
d) No cash payment to or paym t 111 · th " · db
HHFL h II b . en e name of any Direct Marketing Agent ("OMA") Direct Selling Agent ("DSA ) appoinle Y
s a e made and if any payment Is d HHF '
ma e, L shall not be responsible to take due account of the same.
e) At the discretion of HHFL, the Borrower( ) . . . . .
an account to debit th s may issue st andmg 1nstruc t1ons in the formal prescribed by HHFL in which the Borrower(s) has
01 th
due. ' e account e Borrower(s) every month , for the value of the PEMI (if applicable)/ Monthly Installment /payment

f) At the discretion of HHFL and if the em lo I of

th e amount due and payable d h_P yer of th e Borrower(s) agrees in writing the Borrower(s) may also make the paymen
the un er t is Agreement d" ti f • · . . • 1 yer lo <.Jeducl
payment from his salary and k. irec Y rom his salary by instructing and aulhonzing his emp 0
documents as may be required byn~H';c iaym_ent thereof to HHFL. In such case the Borrower(s) shall execute and provide suc1
for the late payment from the emplo "f rorn_ lime lo time. The Borrower(s) agre~s to pay penal interest as specified in Schedule
arrangement for payment at any r ye~, any, irrespective of any circumstances for delay HHFL shall be entitled lo discontinue suet,
~~1:11 ~ake _arrangement for futur~~~Ji ftng ~ written notice to the Borrower(s) and the employer, in which case the Borrower(s;
uc notice, in such manner as may b applicable), Monthly Installments or submit ACH mand ate within 7 (seven) from receip
9) In case the 8 e required by HHFL
, ' orrower(s) make th .
discretion th B s e payment of du l ·1 sole
' e orrower(s) shall immediate! • f e amount _at any other office or branch of HHFL, which HHFL may accept a 15
h) Only on realization of the Y in orrn HHFL In writing .
amounts due by
i) In case a any mode as abov HHF
d- ny amount is paicJ by the 8 e, L shall credit the account of tlie Borrower(s).
a iusted/ appropriat d. . orrower(s) or any a 0 . . hall be
• e in following order Without a n:' u_nt _15 received/ realized/ recovered from the Borrower(s), then the sames
I. Costs, charges, expenses . . ny Prior 111t1matio11 to the Borrower(s):
Agreement. . incidental charges and ot . witll this
her monies that may have been expended by HHFL in connection

J 8
 HHFLNer 1.1/0219
ii. Towards other Indebtedness of the B
orrower(s) to HHFL
iii. Penal interest. and /or liquidated da
mages on defaulted amo , 1 , •
iv. Prepayment charges and fees unde th· un s under ,his Agreement.
r 1s Agreement.
v. PEMI (if applicable)
vi. Monthly Installment

vii. Principal amount of the Loan unde th· A

r rs greement.
j) Notwithstanding the above. HHFL may t .
• · a any hme during the s b ·
escrow arrangement in place in such format as HHFL . . u SISlenco of this Agreement and in its sole discretion have an
under this Agreement from the Borrower(s) Th may in 115 sole and absolute discretion may deem lit to receive all ~ayments
8
from HHFL in this regard, enter into such a~re e orrower(s) hereby agrees and undertakes that JI shall u·pon receipt of i~timation
" crnents, arrangements and O th d ·
purpose an d s h a II th erea f ter, unless il receives er ocuments as HHFL may require for the aforesaid
through such escrow arrangement. a contrary inSlruction from HHFL, make all paymenls to HHFL under this Agreement

2.8 REPAYMENT

a) The Borrower(s) will amortize the Loan as stipulated in lh s h .

as communicated later in writing by HHFL 10 the e I-~ edu lc A attached hereto. subiect to any other changes in such amortization
8
the disbursement of the Loan the Due Dale of payorro\t9~· fl owever. rn lhe event of delay or advancemen t, for any reason whatsoever. in
st s11
the day currently stated in th~ Schedule A attachedn~ee~e~o. ir EM! all in such case be the corresponding day of lhe ro110111ing months to

b) The Borrower(s) shall repay the Loan as Stipulated in Schcd I A ,

communicated later in writing by HHFL t th u c attached hereto, subJect to any other changes in such Repayment as
8
the disbursement of the Loan, the Due D:le ~f orrower(s). However, in the event of delay or advancement, for any reason whatsoever. in
the day currently stated in th e Schedule A atta!::e;~~~-first EM! shall 111 such case be the corresponding day of the following months to

c) The Borrower(s) shall also pay lo the Lender PEMI every month, until commencement of EM!.
d) The Borrower(s) agrees that the repayment of the amount of the Loan together with interest. additional interest and all such other sums
due and payable by the Borrower(s) to HHFL shall be payable at the place \Vhere the branch of HHFL is situated or such other notified by
HHFL to the Borrower(s) by way of Electronic Transfer and/or SI and/or ACH Mandate, details whereof are mentioned in !he Schedule A
altached h~relo. The Borrower(s) agrees that the amount shall be remitted to HHFL on the Due Date of EM!. In the event of any dishonour
of Electronic Tra~sler and/or SI and/or ACH Mandate, the Borrower(s) agrees to pay a dishonour charge as mentioned in the Schedule
attached hereto, 111 addition to any addilional interest that may be levied by HHFL.
In the event of any variation in:
i. lhe date of payment of EMls or
ii. the amount of interest, principal or EM!s or
iii. the numbers thereof, the Borrower agrees and undertakes to forthwith issue fresh Electronic Transfer and/or SI and/or ACH Mandate
to the Lender as may be required by the Lender.
e) Notwithstanding what is stated in this Agreement above and in the Schedule attached hereto, HHFL shall have the right at any time or from
time to time to review and reschedule the repayment terms of the Loan or of !he outstanding amount thereof 1n such manner and to such
extent as the Lender may in its sole discretion decide . In such event/s the Borrower(s) shall repay the Loan or the outstanding amount
thereof as per the revised Schedule as may be determined by HHFL in its sole discretion and communicated to the Borrower(s) by HHFL
in writing.
f) In case if any amount is prepaid by the Borrower, the same shall be adjusted first towards the incidental charges, additional interest, EM!
outstanding and balance towards the principal amount of the Loan.
g) HHFL shall have the right to require the Borrower(s) to furnish such 1nformation/documents concerning his employment, trade, business or
profession at any time and the Borrower(s) shall furnish such information/documents immediately.
h) The Borrower(s) that all amounts payable under this Agreement shall be paid in Rupees . ·,
i) ff in the opinion of HHFL any action or aclivity (including but without limitation, the activilie~ as set out in Article 5.3 U) proposed_to be i'
undertaken by the Borrower(s) will be prejudicial to the rights of HHFL under the Transaclton Documents, HHFL :e_s_erves the right ~o
prohibit the Borrower(s) to undertake such action or activity, and any fatlure of the Borrower(s) to adhere to such proh1b1hon would result ,n
an Event of Default under this Agreement.
\\'
2.9 DELAY/DEFAULT IN REPAYMENT
a) No notice, reminder or intimation regarding the Borrower(s)'s obligation and responsibility to ens~re prompt and regular p~yment of interest,
PEMI or EM! and all other amounts due and payable by the Borrower(s) lo HHFL on the respective Due Dates shall be given by HHFL. The
Borrower(s) agrees that timely payment/Repayment is the essence of this Agreement.

·
• . .
..
, th
I)) Without prejudice to Hlffl so er rig
· his any delay in payment of EM! or PEMI in respect of the Faclllty shall render the Borrower(s)
, · h I
t t the rate mentioned in the Schedule• A or at such higher rate as per t e ru es o
liable to pay Add1ttonal lnteres a
f HHFL I h.
n t as
h event the Borrower(s) shall also be liable to pay incidental charges and costs to
I
behalf as in force from time to time. In sue ,
HHFL.
. k' nts for EM! or PEMI and/or any other payments due and payable by the Borrower(s) to
c) Any default by the Borrower(s) in ma mg payme . r this A reement
HHFL shall be treated as an "E vent of Default" under Article 7 0 g ·
. . - • by HHFL seeking repayment of the Loan, on the expiry of the notice period stipulated in
d) Wilhout prejudice to the above, if a notice is,,g,~enL with~ut any further notice or intimation and the Borrower(s) shall be forthwith liable
such notice, HHFL shall be entitled to reca t e oan

9
 45
repay all ,;,Jl~la n(ling amounts ;ind oth •r du•~s rrnyab!o. a:; evidcn<:ed by the entries in the books and records or HHFL and 'or as _per the
10
S<.hr;dulo of ct 1:H\JP', :md inlcrost :1r1d tho or11ties rnado u, ercin sh:ill be deemed to be conclusive e 1dence o~the matters, transaction and
nccounls rocordorl 1hor11in inclucl1ng all o\hur d e(s). interest, cosls , expenses(s) etc. due and payable b:,, th_ Borrower(s) to HHFL unde r
Uw: /\grccrncnt.

?..10 PREPAYMENT OF THE LOAt-1

Tho Borrower(s) shall be entitled to prepoy the Loan /\mount or .:iny pilrt thereof. to HHFL. upon the fulfillment of the following conditions:

:1) 1 he f3orrowor(:, ) sh.1II Ile cnlltlcd to prcp:1y tho Loan Amount or ;:iny part t11creo f, to HHFL. ppon th e fulfillment of the following conditions:

i) ·1he Borrowor(s) •·11:111 l)e required to int,mate HHFL. in writing of it•; intent to prepay the Outstanding Balances or an,' part
thereof. n t tcnst 7 (:;;ovc11) Business Days prior to tl1e date of the proposed prs,pa,me nl of the Lo.in, and request the Lender lo
provide n Foreclosure Statement. in relation to th · snme.
ii) Upon receip t of 1he int,111:-111011 ns provided for in Cln11se 2 .10 (<1) HHFL shall provide lo the Borrower. the Foreclosure Sta tement ,
conlnining tho right s and duti s of the 13orrower. in rel;ition to the proposed prep;:iymenl .
iii) Th(, 111i11imum rnnoul1l of t.or,n which shn ll be required to be prepaid by the Borrower. shall be equivalent to an amount
i::orruspo11dit19 lo 3 (Three ) EMI paym nts of the Borrower.
iv} Sllbjoct to Clnuso 2. 10 (v) below. the 8orrowcr(s) shall be re(luircd lo pay prepayment charg s as pc, the prepayment charges
npplic:1blo nl tllO time o f such propoylllcnt. The Lcncler i11 its sole discretion may revise applicable prepayment cl1argcs in
acc(.)1dancc with th e ext,1nt r gulalory requiromcnts. The current applicable prepayment cfiarges (as on date) are specified in
Ilic Sch cdulo A.
v) Howovcr. no propoyn1011t charges shnll bo required to be paid by t110 Borrower(s). in the foliowing sr.enarios:
(c) The Lonn is 011 Flo.1!1119 Rate of l11tcrost find lhcre is no non-individual borrower/ co-borrower in the loan structure: or
(Ii) In c.ise Housing I 01111, if prepayment of the Loan /~mount is being made by the Borrower out or the Borrower's O\'/n sources.
For the purposes of clilu~o 2. lO(v)(ii} above. the term •;own sources" shall mean any source otl1er than by borrowing availed off by
the Borrower from a B;ink, Housing Finance Compm1y, Non-Banking Financial Company and/or a financial institution.
b) Notwithstanding anything contained in tile foregoing sen tence, in the event that due lo a change in applicable law, the lender becomes
entil lotl to cl1argo prepaymen t charges even in such cases. then to that extent this proviso shall be deemed to have no effect and the
Lemler shall be entitled to chmgo prep;iymcnl charges ilS mentioned in Clause 2.10(iv) above. even in such cases .

c) The prepayment amount whicl1 shall be required to be paid by Ille Borrower(s) on th e concerned Due Date, shall be the amount specified by
the Lender in lhe Foreclosure Statement. which shall be lhe aggregate of the Loan being prepaid, accrued interest thereon, default Interest
(If m1y), if ony 1111d nll ot her opplicable Charges which are payable by the Borrower in respect of the Loan Amount being prepaid .
d) If the Borrowcr(s) makes any prepayment without fulfilling the conditions determined by HHFL, HHFL shall be entitled to appropriate the
s.:une in snch manner as it deems fit and HHFL shall give the Borrower(s) credit for the same only on due dale and not before.
e) 111 case lho B~rrower{s) shall hove_opted for Dual Rate or Interest, unless the Borrower(s) specifies in the application the appropriation
ccquired by him. HHFL shall be entitled to appropriate the prepayment amounts to any component of the Loan .

I) Full prepoyment of the Loan would not be permilled unless lhe Borrower{s) makes payment of the charges in relation to full prepayment as
mentioned under Schedule A hereto. The charges 111 respect of prepayment may be waived or re-negotiated by HHFL at its sole discretion.
9) If 11'.e ,Btirrower(s) prepays only a part or the 11mount payable by the Borrower(s) to HHFL, HHFL shall be entitled to adjust the amount pre
pa1~ 11grnnst the amount payable by th e Borrower(s) in such manner as HHFL thinks fit Notwit l1standing the above, if the Borrower(s) pays
a111 amount to HHFL before the Due Date. HHFL sl1all be entitled to appropria te the same in such man ner as HHFL deems fit.
h) In the ovent of ;iny Prepayment made by the Borrower(s). the Repayment schedule for the l oan shall be amended I altered by HHFL and
to give effect to the same. the Schedule A or this Agreement shall stand substi tu ted and re la d ·th
be. Such substituted Schedules shall fo,n1 part of this Agreement and shall b b' 1· P I ce w1 new Schedule A, as the case may
e me mg upon I 1e Borrower(s) .

2.11 COMMITMENT CHARGES

The BorrO\~er(s) agrtJes. acknowledges and accepts tha t the Borrower(s) shal I , • .
10
·ncl d'
mentioned 111 Schedule A on the principal outstanding amount 1 d' b pa) HHFL a one t1111e Comm11ment Charge at the rate
u ing un is ursed amount of th e Loan
2.12 CROSS DEFAULT

The Borrower(s) agrees. confirms nnd acknowledges that any default b the B ,
guarantee _or security or other Indebtedness of the Borrower(s) with HH~L ~rroi\cr(s) under nny other ag re ement or arrangement or
shall constitute an event or default under this Agreement a,,d . T or !Is holclmg co111pn11y/group con1 panies/subsidiaries/affiliates
secur="A b h ~ • , ' vice-versa . he saicl nn1oun1s -11,111 t1 1
Y t e ~ ecunty and v,ce-versa . ' s • 0 c cem 'd to be Dues under this Agreement
2.13S1:TOFF

l'\'rthout prejudice lo what is stated hereinabove, the Borrower(s) hc rob . . .

b,'.,ng to P_ay Ille amount outstanding under the Loan or any other 1 •
0 11
0
i
~_fll O~sly nor,io:: nnd '\>nltnns th.-i t in th e ovont of the Borrower(s)
1 111
~f ,ts subsid,ary'.affiliates may be entitled by law. HHFL s;all wilhout '~ 1,
;1 c,, ty, otldltion lo nny \l1'11tin11 ,11· $ilnilnr lien to whicl1 HHFL or any
1ri 1lit 11< <) lt1 :111y of II··,.,1 •11· 1· I
<evm:)\,ef\s) at ,ts sole disc- r d · '
of th · ) re ,on a ,, w1lhout notice to th e e\,now,ir(•·) hn .111 . ·· ,. \J C 1t: 1\l lls t11111tir ,111\' ther agreement/s with the
6
e orrowerts 101,·.:irds p::ivm<1nt or th D T , 1
·' • ' "W ty IP ••pptv u 1v ,11 1, •
" "thou' l'm'tar .. • • e ues. htl ngllts or HHFt undor , .. I\ · ' , ' "' """ 10Vm :1111\>unts st11nding to the credit
' '
1 1
°
JC>n 11,er nghts or set off) which HHFL mny havo.
11 1 11 11
" !l"H " 11 1111 " ln utlditi,,11 fl, uth,1r rigtlt:' ,md remedies (including
2. f4 TERMINAL BENEFIT'S
The 6orro1,er(s} !1ereby agrees nnd undertal-us tl1 ~l HHF
'en,ith !lie s~rro,1N(s) as one of th · • · ·L ~hnll ho <•11t111 ..,1 to tnl"' 'llll'li 1 .
'· e insured/ bonoficlnrioH ns 111 ll ·t 1111 ,y 1 · lhllinin·,, f11•l w11,,: u1\ d,,r qr,.'\1p co, er or other form of
• · , rn,111 Ht, ,

10
 HHFl.Ner 1.1/0219
2.15 PROCESSING FEES

The Borrower(s) acknowledges that th<> proce r

ssmg ee as mentioned in !he Sch
V . .
2.16 ALTERATION AND RE-SCHEDULING OF EMl edule-A attached 1s pay;it>le by the Borrower(s).

1r the entire amount of the Loan is not rully dra lJ h

•
bea II ere d m h wn VI e Borro••1er(s) withi •
sue manner and to such extent as th L d · . n a pertod or 36 (thirty six) months from the Effective Date EM ls shall
as per
the sa ·ct alt
'
rar ·th e en er may in tis sole d's
e ' ,on notw, standing anything slat d - th· · 1 r '
ere ion. decide and the Repayment hall be thereupon be made
'
stated in the Schedule-A attached hereto for the purpose inf R ,s Agreement. . Hm•1ever, the allered EM! shall be payable on the same date as
• c o epayment.
3. SECURITY
3.1 BORROWER(S) ' S COVENANTS
a) The Borrower(s) covenants that the Dues b
other charges and expenses and all oilier ~em -ing rel payment of th e Loan and payment of Interest, add1tional/default interest fees costs
. " oun s payable lo HHFL d 1111· ' · •
such Security as determined by HHFL in ts I d.1 • un er s Agreement shall be secured or cause lo be secured by
timing and tile m anne r of its creation Suc'h Sso e . screti on . HHFL shall have lhe right to prescribe lhe type or Security and the place
· ecuri 1y s 11a1I be created · 1O h d' '
of this Agree ment also require for the Barro• ) • prior t e isbursement of the Loan . HHFL may during the term
· .ver(s 1o create additional Sec ·t d th B
create such additional Security as nnd when called u )On b . un Yan . e orrower(s) undertakes to create or cause to
shall create sucll additional Security (a) in lhe eve t' f th Y ~HFL. W
1th0
ut prciud,ce to the generality of the above. the Borrower(s)
accordance with the margin requirements of HHFL· n ~ b ~ ues being more th a_n the market value of the Security or otherwise in
th
Security given to HHFL or the title of any hS ' ~n b ( . ) ,n e event of destruction or damage or depreciation or fall in value of any
5
the value of the Security in any manner w~~tso!:~;_' y emg unclear, unmarketable or encumbered in the opinion of HHFL or affecting

Of u G
b) The Borrower(s) shall also procure Guaranl ·
Re a ment of 'he L . ee ie uarantorls named in Schedule A hereto, for the payment of the Dues being
P Y ' . oan, payment or interest, additional interest, fees . costs, charges and expenses and all other amounts a able
nd 1h15
to HHF~ u er Agreement. Tile Borrower(s) shall as and when called upon by HHFL, during !he term of this Agreement ~x!cute
and deliver to HHFL such Irrevocable power or attorney in the format or HHFL · HHFL · ·
of !he Dues as stated f .d . b empowering to create Secunty for the payment
, a oresa, in su -clause (a).
c)
The Borrower_(s) shall execute such bond(s), promissory notes and letter of continuity in favour of HHFL for the payment of the
Dues as required by HHFL.
d) The Borrower(s) shall also execute and deliver such other document(s), declaration(s), undertaking(s), writings, power or
attorney and Agreement(s) as may be required by HHFL al any time during the pendency of this Loan or any other Loan (s)
granted by HHFL thereafter.
e) The Borrower(s) shall execute in favour or HHFL such secu rity post dated cheques of such amounts and numbers as intimated by
HHFL for repayment of the Dues.
f) The Borrower(s) shall ensure that the deed of mortgage to be executed by the Security Providers for creation of the mortgage over
the Property, be duly registered with the relevant Sub-Registrar of Assurances within thirty (30) days from the date of execution of
the deed of mortgage. Further, in case of equitable mortgage, the Borrower(s) shall ensure that an intimation/notice 1s provided to the
Sub-Registrar of Assurances infom1ing him/her lhal a charge by way of equitable mortgage has been created over the Property, within
the timelines and in the manner as provided for in the applicable law.
g) The Borrower(s) hereby agree and acknowledge that this Agreement is not the principal instrument for the purposes of Section 4 of
Indian Stamp Act, 1899, as amended from time lo time (or such similar provisions in the stamp law applicable to the state(s) in which
this Agreement is executed) and a separate deed of mortgage or memorandum of entry and declaration shall be executed/issued,
which deed of mortgage or memorandum of entry and declaration, as the case may be, shall be considered as the principal instrument
for the purposes of Section 4 of Indian Stamp Acl, 1899 (or such similar provisions in Ille slamp law applicable lo the state(s) in
which this Agreement is executed). This Agreement and the deed of mortgage and/or memorandum of entry and declaration shall be
stamped accordingly.
h) The Borrower(s) shall ensure that the Security Providers file all forms and _make all filing~ as may be required under applicable law
including, without Limitation, the filing of Form CHG-1 under the C~mpames Act, 2013 including the ~ules framed th~reunder, as
amended from time to time, with the applicable Registrar of Companies, in respect of creation of Security as above within thirty (30)
days from the date of creation of Security.

\
i) The Borrower(s) agrees and underta kes that HHFL shall have an exclusive charg~ over lhe Security created and that lhe Borrower(s)
shall not create any other encumbrance, charge or Security Interest in the Security so created or any or them m favour of any other
Person or body, except with the prior written consent of HHFL.

j) Th e Borrower (s ) agrees an
d und ertakes that the Security created under this Agreement or any other Transaction Documents and
d b th • d' ( I t th · ) · ·r r f
the liability of the Borrower(s) shall not be affected, impaired or discharge y e w,n _1ng up vo unary or o erw1se or int ta ton o
. . d th !BC or by any merger or amalgamahon, reconstruction, takeover of the management, d1ssolut1on
insolvency proceedings un er e
(as the case may be) of the Borrower(s).
\;
·ct 0 II operation and assistance that HHFL may require in relation to any filings required to be made with
k)
The Borrower(s) shallfpSrov, ~ ct_o-n Asset Reconstruction and Security Interest and shall bear all cost, charges and expenses which
the Central Registry o ecun 1,sa 10 .
may be incurred by HHFL in relation lo such filings.
d additional/collateral Security provided/assigned to HHFL to secure the Dues being the
I) Any benefit or sums accrued un ~r ~~~erest additional interest, fees, costs, charges and expenses and all other amounts payable
repayment or the Loan a nd paymen ° mdd nd,um supplemental Agreement thereto, shall be credited in such manner towards the
to HHFL under this Agreement or_an\~e :orrow~r(s) shall be responsible to intimate to HHFL 15 (fif1een) days in advance in writing
Dues unless HHFL decides o th erwise. d date of any such additional/ collateral Security.
about the maturity date, accrual date or ue

11

- - - - - -- - - - - - - - - -
 Sf

3.2 ADDITIONAL SECURITY . f d t be ·nsu''icienUincorrecl in value, the eorrower(s) shall be directed

a) In the event of the Security furnished by the Borrower(u~~~u~ ; .ths:and;~g the above, in the event the Security furnished by the
to furnish additional Security as may be required by ' th :s ~eclared by the Borrower(s) in the Loan Application . the Loan may
1
Borrower(s) is subsequently found to be obi mfer~~;:tl~! ~~
H~FL with immediate effect .
be recalled/Repayment of the Loan may e ace . . . . . .
. f , y ("POA") in favour of HHFL to carry out h1s/her1lhe1r obligations 1n
b) The Borrower(s) agrees to execute an irrevocable power o a,torne .
respect of creation of Security and all matters incidental thereto. as req uired by HHFL.

3.3 CONTINUING SECURITY b led) and the Guarantees furnished or to be furn .ished by the Borrower(s)
1
a) All Securities (that may be _cretahtedLor cau se ~en~a~~e: continuing sec:irity to HHFL and the same shall be binding upon the
to HHFL, m connection wi th e oan s 11a 11
Borrower(s).
the Security shall not be discharged/released by intermediate payment by the Borrower(s) or any
b) The Borrowers) ( agrees that L d n L an ava·led of by the
setllernent of accounts by the Borrower(s) till such time all the dues in respect of the oan an . any o I er o 1
Borrower(s) and Borrower(s) Group entities/Persons from -~HFL are duly paid to the satlsfa clion of HHFL and HHFL consents
to give a discharge/release in respect of the Security m wnl1ng to the Borrower(s).
c) The Security shall be In addition and not in derogation of any other security _which HHFL may at any time hold in rnspect of the
Dues and shall be available to HHFL till all the Dues are paid and the secunl1es are expressly released by HHFL.

3.4 CROSS LIABILITY

a) The Borrower(s) agrees that the Security created shall also be Security for all other monies that may be due and payabl e by the
Borrower(s) to HHFL on any account whatsoever whether present or future including any liability of the Borrower(s) as a Surely or
Co-obligator either by himself or along wilh any other Person.
The Borrower(s) agrees with and undertakes that HHFL shall have an exclusive charge over the Security created and that the
b)
Borrower(s) shall not create any other encumbrance, charge or Security Interest in the Security so created or any of them in favour of
any other Person or body, except with the prior written consent of HHFL. The charge/Security by the Borrower(s) under this Agreem ent
shall continue and remain in force till such lime all other dues under this Agreement and in respect of all other loan/facility obta ined by
the Borrower(s) from HHFL are fully paid to the satisfaction of HHFL and HHFL issues a certificate of discharge.

3.5 REGISTRATION OF CHARGES

Where the Borrower(s) is/;:ire a Company within the meaning of Companies Act. 2013 or Companies Act, 1956 it shall cause the charges created
under this Agreement to be registered with the Registrar of Companies in accordance with the provisions of Section 77 of the Companies
Act, 2013 and rules framed thereunder or such other applicable law, as may be prescribed in relation to a body corporate or a limited liability
partnership, within the prescribed time and 1urnish such certificate of registration to HHFL at the earliest.

3.6 RELEASE OF SECURITY

Upon full and final payment by the Borrower(s) lo HHFL of all amounts (including without limitation the principal amount, interest, costs. charges.
fees, expenses, claims or other amount of whatsoever nature) payable in accordance with the terms hereof, HHFL shall release the Security in
favour of the Borrower(s) or such other person as the Borrower(s) may request.

3.7 CROSS COLLATERALIZATION

a) As sewrity(ies) furnished by the Borrower(s), under any other agreement entered into/to be entered into with HHFL, its group
<:°mpanies, its affiliates _
shall be deemed to be_the security(ies) under this Agreement. and HHFL shall be entitled to exercise any or all
rights under the respective agreements mcludmg but not limited to exercising right over any security(ies)/charges/mortgages avai lable
to HHFL under any of t11e loans including the present Loan extended by HHFL.

b) The Borrower(s) agree(s) that the securily(ies) offered in respect of this Loan, shall be deemed to be continuing security(ies) in
resp~cl of othe'. loan(s)_availed/lo be availed by the_Borrower(s) from HHFL or any of its affiliates or group companies and shall not
be discharged till such lime all the loan(s) are fully discharged to the satisfaction of HHFL.

4. CONDITIONS PRECEDENTS FOR DISBURSEMENT

4.1 T)he ocbligd~tion ohr. HHFL to make any disbursement under this Agreement shall be subject lo the following conditions·
a re 1twort 1ness of the Borrower(s)· The Borrower(s) me t HHFL' · ·
lo make or cause to be made such inquiries as HHFL mae s s requirement of cr~dilwo~hiness . HHFL shall be entitled
shall be further entitled to call for such credentials from the YBdeem fit( lo) assess the cred 1tworth1ness of the Borrower(s). HHFL
Borrower(s). orrower s as may be requ ired to prove the creditworthiness of.the

b) Non-existence of event of default/cross default· No event 0 f d r

happened. · e au/I/Cross Default as defined in this Agreement shall have

c) The Borrower(s) shall have an absolute, clea r and marketable title th

unencumbered and free from any liability and pr·i or ch h to e Property and tha t the Property is absolutely
arges w atsoeve r.
d) Extra ordinary Circumstances: No extra ordinary or other circums
may make it improbable for the Borrower(s) to fulfill a f th lances shall have_occurred, which in the sole opinion of HHFL
. ny o ese terms and Conditions.
e) :endmg Legal Pro~eedings: The Borrower(s) shall have disclosed to . .
msolvency proceedings or investigation pending initiated aga· h' HHFL about any action, suit proceedings, winding up/
ms 1 1m1her/it.

12
 HHFLNer 1.1/02 19
f) Utilisation of Borrower(s)'s Contrib t' .
contribution, i.e. the cost 0 f th u ion. The Borrower(s) shall prior t0 •. .
e Property less the L . ' receiving the disbursal of Loan have utilized his own
same from any other pers oan 2 va;led/to be av I d f ·
on. a, e rem HHFL. The Borrower(s) shall not borrow the
g) Evidence for Utilisation of Disburs .
required for the purpose
. .
: ement. HHFL should be sahsfiecf at th
as mcnl!oned in Schedule A, d
r f ,.
e ,me O mai<mg any disbursement that the same is
evidence satisfactory to HHFL 0 f th an as s tipulated by the B (
e proposed utilization of the orrower s) and the Borrower(s) shall procure
h) Utilisation of pnor Disbursement· Th proceeds of the disbursement of the Loan.
Proceeds 0 f any prior
· · · e 8 orrower(s ) shall have - r~r HH
Disbursements, if any. sa 1-' ied FL about the utilization by the Borrower(s) of the
i) Guarantees/Securities etc • The Bo (
.. rrower s) shall if requ · d b
necessary documents. Writings and hand ove 11 . ,re y HHFL shall provide and execute Guaranlee/s Security
r sue security post d·1fed ch ·r • ' ·
j) Non Resident Indian ("NRI")/ p . c eques, 1 required by HHFL.
. erson or Indian Origin ("PIO") .
of the Foreign Exchange Management Act 1999 elc.: Where the Borrower(s) is a NRI or a PIO as per the provisions
shall have obtained ;ill pemiissions auth · t· or Olher law m force in India relating to foreign exchange the Borrower(s)
b . f . - .
e required or borrowing and for the acq •
oriza ions, approvals sancl'o
•r f. . · 1 ns an d fll Ifill d .. .
I e all cond11tons prescribed therein as may
. . . . u1s1ion o unmovable property and for the repayment of lhe Dues.
k) No Ob1ect1011 Certificate for Financial S\ a . Wh
th
Borrower(s) shall have obtain ed ,,eccssva p. ~re . e Borrower(s) intends to avail Loan from HHFL for Financial Swap the
- ry perm1ss1ons lette r th · · . ·
may be and shall have disclosed correct information to HHFL·.rs rem e existing/previous bank/Institution/lender as the case
I) The Borrower(s) shall have executed and del'v 1 ered bond or a demand promissory note in favour of HHFL for the amount of Loan.
m) The Borrower(s) shall have provided certified true co i 0 1 th • •
shareholder resolutions) of the Bo , ( ) P es . e c~rpora tc aulhonzahons (both board resolutions as well as
rro1 ,er s as v,ell as Security Provider.
n) The Borrower(s) shall have provided all s h u f ·
the Security Provider including their re u\ o , er_1n ormat1on as may be required by HHFL pertaining to the Borrower(s) and
• spec 1ve reg istration details under the Goods and Services Tax Act, 2017.
o) The Security Provider shall have created and perfected the Security as set out in the Sanction Letter.
p)
The Borrower(s) shall have provided self attested copies of the insurance policies taken in respect of the Property.
q) The Borrower(s) shall have made payment of all fees and expenses to be paid by the Borrower(s).
r) If ap~licable, the Borrow~r(s) shall have provided certified true copies of the resolution of the members of the Borrower(s)
as st ipulated under Section 180(1) (a) and Section 180(1) (c) of the Companies Act, 2013. wherever applicable along with
certificate from Chartered AccountanUCompany Secretary for compliance of the requirements of Section 180(1) (c) of the
Companies Act, 2013.
s) Such other conditions precedent as set out in the Sanction Letter.

5. COVENANTS
5.1 AFFIRMATIVE COVENANTS
The Borrower(s) hereby covenants with HHFL that - ,.
I

a) Utilization of the Loan: The Borrower(s) shall utilise the Loan for the purpose for which the Loan is availed of and for no other
purpose whatsoever also undertakes that the Borrower(s) shall ensure that such certificate as required by HHFL shall be obtained
from the auditor of the Borrower(s) and shall be submitted to HHFL.
b) Acquisition of the Property under Construction: In case the Loan is availed for the acquisition of a Property under Construction,
the Borrower(s) will obtain and produce to HHFL a proper true copy or 'occupation/completion certificate' issued by the competent
authority and a written notice about the completion of the Construction within a period of 6 (six) months from the date of final
disbursement. In case the Property for which the Loan is availed is under Construction and for which society/ other organization
is not formed, the Borrower(s) shall upon formation of the society/ other organization inform the society/other organization about
the Loan granted by HHFL to the Borrower(s) for purchase/ Construction of the Property and if required by HHFL obtain necessary
confirmations from the society/other organization .
c) The Property purchased/constructed by availing the Loan shall vest absolutely in the Borrower(s) and the Borrower(s) shall
cause to do all such act. deed, matter and thing which shall be necessary to vest the Property absolutely in the Borrower(s).

d) Compliance with rules etc., and payment of maintenance charges : The Borrower(s) shall duly and punctually comply with all
the terms and conditions of holding the Property and all the rules, regulations, byelaws, etc., of the concerned Co-operative
Society, Association. Company or any other Competent Authority, and pay such maintenance and other charges for the upkeep
of the Property as also any other dues, etc., as n:1~Y be payable in respect o'. the Property and/or of the use thereof. The
Borrower(s) shall do all the necessary repairs, add1t1ons and improvements during the currency of the Loan and shall ensure
that the value of the Property does not diminish.
, f d 1 , The Borrower(s) shall promptly notify HHFL any event or circumstance or knowledge of any event
e) Notify the causes o e ay. . . .
. . • ht dela /cancel/vitiate the purchase, commencement or complehon of the Construction, transfer, repair.
or circ~mstance which mig Y uisilion of the Property, for which the Loan is availed .
alteralton reconstruction of the Property or acq
. ' . Th Borrower(s) shall notify HHFL of any change in its Residential status within seven (7) days of such
f) To Notify Change of Addr~ss.p e other than an individual, promptly inform the HHFL of change in location of its office/registered
change. If the Borrower(s) 1s a _e_rson
office name main business acllvity of th e Borrower(s).
' ' . ent· The Borrower(s} shall notify HHFL of any change in the Borrower(s)'s employment, business
g) To Notify Change 111 Emptoym ·tti· en days of such change. tn the event the Borrower(s) is self employed, the Borrower(s)
1
or profession of the Borrower(s) ~ f in s~vabout the financials of his business on a regular basis as may be notified to him by HHFL.
hereby undertakes to keep HHFL m onne

13
 sj

In the event Borrower(s) is a company, partnership or sole proprietary, the Borrov:er(s) shall provide HHFL such information and/or

documents as may be required by HHFL.

To conduct search : The sorrower(s) shall conduct search in Revenue/SRO records to satisfy title ,_Identity. extent. Dimensions,
h) Survey Number, Door Number, Boundanes or encumbrances in regard to the Property in respect of which Loan is availed
Insurance: The Borrower(s) shall ensure that 1he Property is insured against fire. emthquake. nood. s_torrn, te_mpest or typhoon ar1d
i) other hazards. as may be required by HHFL, with HHFL being made the sole bene/JC!ary under the pot1cy/ies, ;or a value as required
by the Lender and produce evidence thereof to HHFL from time to time and wherever cal:ed upon to do so.
That until any 111oneys are due or outstanding under this Agreement , the Borrower(s) shall ensure that the ins,irance policylies wherein
HHFL is the sole bene 1ciary are valid , subsisting and operative by complying with tho terms of issue of such insurance policylies
including the timely paymen t of the premium for such polic~1/ies and agree to produce the necessary proof/receipts of such validity/
subsistence/ cooperativeness lo HHFL. whenever required .
On the default of t11e Borrower(s) to keep the Property insured as aforesaid, HHFL may, at its discretion, but without any obl:gation to
do so, effect insurance of the Property and/or pay tile prcniia in respect thereof at tile risk. cost and responsibility of the Borrower(s)
and the Borrower(s) hereby undertakes to reimburse HHFL on demand all the arnounts paid and/or incurred !Jy HHFL in doing so ,
together with Taxes , if any, on such reimbursements. and on defaull oi payment of such arnounts by them within fifte en (15) days or
the demand being made by HHFL in this reg ,ml. HHFL shall be iit libe1 ly to debit such .:irnounts to the Accou ri ts of the Borrowor(s) with
HHFL and such amounts shall carry interest at Rate ol lnteresi and Additional Interest as provided in the Agreement. For this purpose.
HHFL shall be acting as Sorrower(s)'s pure agent lo incur such expenditure or costs .
The Borrower(s) (only in the case of individual and partners) shall at all times during the tenure of the Loan. at its own cost, obtain life
insurance policy/ies (wherein HHFL will be a loss payee/be11eficiary/assignee ) if required by HHFL with such insurance company or
companies of repute to be approved by HHFL in writing and shall deposit the insurance policies and all cover notes premium receipts
etc. with HHFL. The Borrower(s) shall make punctual payment of all premium and shall not do or suffer lo be done any act which may
invalidate such insurances and in case of denuse of tile Borrower(s), during the currency of the Loan, HHFL shall be entitled to obtain
and avail of the moneys under the said policies and appropriate the same towards the repayment of the Dues.
Loss/Damage to Property: The Borrower(s) shall promptly inform HHFL of any loss or dam..ige to Properly due to any act of God or
j)
damage or other risks against which the Property may not have been insured.

k) Prevention of Mon ey Laundering Act, 2002: The Borrower(s) declares that all the am~unts including the amount of own con!ribution
paid/payable in connection with the Property, as well as any Security for the Loan, is/shall be through legitimate source and does noU
shall not conshtule an offence of Money Laundering under the Prevention of Money Laundering Act, 2002, as amended from time to
lime and Rules fram ed thereunder.
I) Municip~I Taxes and Charges : The Borrower(s) shall pay all municipal taxes, ground rent and such other municipal and local
charges 111 accordance with the municipal laws and regulations.

m) Notice of dispute:
The Borrower(s) shall promptly give written notice to HHFL of
(i) any dispute which might arise between the Borrower(s) and any person or any governmental body or authority relating to or
concerning the Property:
(ii) any distress or execution being levied against the Property and

~~::~~:~:if~f
(iii) any material circumstances affecting the ability of the Borrower(s) to repa y the Loan in the manner stipulated hereunder.

~fc;~~~~st~~
n)
~;::~;2:~:~~n:~e~~;n~:~~eb~i=/~~w=~dt~n~~::1:~~e t~:c;:~gt~~~\r;r~~~;ir~~~:~:u~~it:~:

o) Pro~ress of Const~uction : HHFL will be informed al regular intervals of the progress of Construction of the Property.
p) Nollce on Complet10n of Constru ction: HHFL will be given written n ti · •
obtain certificate of occupation and certificate of comp! Ii 'f f o ce on completion or _Construction. The Borrower(s) will
thereof to HHFL. e on, 1 any, rom th e relevant au thonties and furnish certified true copy

q) Docu ments pertaining to the Acquisiti on of the Prop ert · The s

documents pertaining to acquisition of Property as enter:d into b orrower(s) agrees, confirms and acknowledges that the
Borr?wer(s) which is the subject matter of the Loan are valid and s
of this Agreement, and the legal and beneficial ownersh '
J
_the Borrower(s} or executed for an d on behalf of the
f th Pu s1st1ng dunng the tenure of the Lo an, subject to the tenns
during the tenure of the Loan subject to the terms of tt1is1~;ree~e~toperty shall continue being in the name of the Borrower(s)

r) Appropriate Stamp Duty: The Borrower(s) shall bea r all cost

executed by the Borrower(s) in relat ion to the Loan and/
Availability of Security-The Borre ( )
s -t .
maki ng good any deficit in stamp duty on the documen ts
or secun y created by the Borrower(s) in favour of HHFL.
s) · wer s agrees that any s ·ty •
shall be available lo HHFL under this Loan Agreement up~~ut~;e provided by the Borrower(s) to HHFLunder any other credit facility
P rf . occurrence of an event of default d th'
t) e ect,on of Security: The Borrower(s) shall HHF , • un er 1s Loan Agreement
H~FL may consider necessary either to perfect ~~e
title~~ ~:~~~i~~ !~;~~=~r::ra~d execute such acts, deeds, matters and things as
u) Right to declare a Willful Defaulter· HHFL h II h . o to carry out th e in tent of this Agreement.

!i 1~~fd~~~~~:~~i\~:l~::~!::~~1~~ ~~:~ :i~;a~~~~

1 5
:~;,:,~ :~F~~;l:es~~f:oct;~:~~(~t:: ;:~;;;:~\s~tt~= b:h a~~a~;ot~:~;;~~u~~o:i
v) Publication upon default: In the event . rs inc ud1ng but not limited to NHB. SEBI, RBI etc.
th
under the Faciity HHFL d . e Borrower(s) comm1t(s) a default in

n rough such medium as HHFL or NHB .

,
Borrower(s) as d~faulter!~nl~~c~HaB;~~~::: adnt~nqualified right to disclose or P~~ii:tt~~o~:1:~:Y0~~hnt ~f
.
te
Outstanding Amount
e e au 1t and the name of the
111 their absolute discretion may deem flt.

14
 HHFUVer 1.1/0219

w) Conduct of due diligence by the Borra ( .

II · wer s). The Borrowe (5 ·
has 1ave exercised due care ana caulion {. 1 ' 1 agree(s). confirm/s) and acknov,iedge(sJ that the Borrower(s)
f ) me ud1no wh<>rc nece b . •
pro ess1ona Is pr.or lo taking of the decision _,... - · ~ . ssar1, o taming of ad,ice of taX1lega11accountinglfinancial/other
rur ti1er agrees. con fiinns and ac~now'edges th• "• ~ung
HHF .
or omitting to act ·
, in respect of obtaining finance. as contemplated herein an
d
15
of the Property to the Borrower(s) ~r fo· 1. a, . L not responsible for any delay in Construci,onJg1ving of possess1onicompletion
• ' ' ne qua 1,ty condition or fitne ,c •
have approvedtsanchoned or others:iise PfO"'d"'d the
8
, , , ~s o, onstruchon of the Property in fuding where HHFL may
x) Tl 8 ( ) h " - o.ro.ver1s) any information in respect of the Seller of the Property.
1e orrower s s a 1I whenever required by HHFL b .
Chartered Accountant (with his registratio b su m,t Slalements of annual mcome cerhfied and audited by a pracllcing
fax authorities duly certified by such Char~e~~'; A:~ mentioned th erein) along_with a copy of the tax returns filed with the income
0
duly stamped and signed by the employer r .; untan! (with his reg1strat1on number mentioned therein) or latest salary slip
0 8
. . · ank. financial statements duly stamped and signed by the Bank
y) To Notify Change In NRI/PIO statu"· The Bo·ro ·
Borrower(s) has taken the Loan in lh: slat 'r NwRelr{s) shall notify HHFL of the change in his NRI/PIO status to resident status, if the
us o /PIO and vice versa .
z) Binding n at ure of the Sanction Letter : The Borr ,. , )
to special conditions, if any stipulated • o .,cr(s a~rec(s) to be bound by all the terms and conditions including but not limited
11
the Borrower(s). ' ,n ie sanclion leller issued by HHFL lo the Sorrower(s) in respect of sanction of the Facility to

aa) In the event of the Borrower(s) availing of a Loa 11 r th · ··

h e,'d b ya soc1e
· 1 / th . . or e acqui s,t,on of a Property under Construction and which Property would be
y o er organizatmn the Borrower(s) shall 111
· f lh ·
also inform HHFL of th - f ' . orm e society/other organization of the borrowing hereunder and shall
e crea 1ion o tho society/other organization.
bb) The Borrower(s) shall duly and punctually co npl , ·th 11 ti ··
1
h f. , r . Y 111 a 1e terms and cond1l1ons of holding the Security and all the laws in respect
t ereo mc,urnng all applrcable rules. regulations, bye-laws, etc. applicable to such Security.
CC) The Borrower(s) shall at all times during lf c r ti L · · ·
. ie urrency o 1e oan , al its own cost, keep the Secunly fully msured against such
nsks and for such amounts and for such period and forms as HHFL may require, in the name or HHFL or with HHFL being
marked as a loss payee. or the policy bemg assigned to HHFL or the interest of HHFL being recognized on such policy in such
manner as may be req_ u ,red by HHFL. with such insurance company or companies of repute to be approved by HHFL in writing
and shall deposit the insurance policies and all cover notes premium receipts etc. with HHFL. The Borrower(s) shall make
punctual payment of all premium and shall not do or suffer lo be done any act which may invalidate such insurances and will
~n receipt_of any moneys under the said policies, pay the same to HHFL which shall, at the option of HHFL , be applied either
111 reinstating or replacing such Security or in repayment of the said Dues. If the Sorrowe r(s) fails to insure or keep insured all/
any of such Security as aforesaid, then HHFL shall without prejudice to or affecting its rights hereunder. be at liberty (but not
bound) to insure and keep the same insured and the Sorrower(s) shall on demand repay to HHFL all amounts spent or incurred
by HHFL in doing so, with interest at the rate applicable for the Loan as aforesaid.

dd) The Borrower{s) shall notify details of any additions to or alterations in the Security which might be proposed to be made .
ee) Any person authorized by HHFL will be allowed lo discuss, collect information with/from the competent authority relating to the
Property and/or the Security and th e Borrower(s) shall extend such cooperation as may be required.
ff) The Sorrower(s) agrees/consents that the Borrower(s) shall not have any objection to the Lende r availing refinance from NHB and/ or
any other /financial institutions and the Sorrower(s) hereby permits the Lender to avail refinance from NHS and/or any other financial
institution and the Sorrower(s) hereby permits the Lender as a Security holder to transfer its interest in the Security (charged lo the
Lender), to the NHS and/ or any other financial institution as security for the refinance to li'le Lender.
gg) The Sorrower(s) hereby agrees and consents to receive telephone calls. text messages. emails, letters or all other forms of
communications from the Lender and/or its officers, agents or sub-contractors, informing the Borrower(s) about the prevailing Rate of
Interest. Due Dales, Outstanding Loan Amount, upcoming EMls, various products. offers etc.
hh) Any material change in the financial strength of the Guarantor(s).
ii) The Borrower(s) agree that the structural design of the building/structure/house proposed lo be const~ucted is in _compliance with
the National Disaster Management Authority Guidelines (NOMA Guidelines) and it is ensured that the d1s~ster resilience features of
NOMA Guidelines have been incorporated/adopted by the Developer in the actual conslruchon of the bu1ld111g/struclure/property.
ii) The Borrower(s) undertakes to make all necessary arrangements lo mitigate fire incidents & safety of workers in_cluding insuring
that adequate fire safety equipment lrke fire extinguishers, hydrants, s_and buckets etc will be de_ployed at_ prerruses and will be
duly maintained at all times. HHFL shall be al liberty to recall the loan 111 the event of any default 1n complying with the fire safely
requirements mandated in this paragraph .
kk) The Borrower(s) declares and undertakes that the utilization of the Loan received from HHFL will be in compliance with the ap_plicable
State and National level Environmental, Healfh. Safety and Social Regulations (EHSS). It further undertakes to comply ~1th. such
amendments as may be ma d e Io the EHS S regulations during the .Loan tenure. HHFL shall be al liberty lo recall the Fac1ltty m the
Event of an y Default ·111 comp Iy1ng
· w,'th the EHSS regulations including any amendments thereto.
II) The Borrower(s) shall, fulfill such other affirmative covenants as set out in the Sanction Letter.

5.2 NEGATIVE COVENANTS .

• h B wer(s) under this Agreement, the Borrower(s) further covenants with HHFL that
Without prejudice to the other covenants provide~ by\. e ~~o Borrower(s) shall not
unless HHFL shall otherwise previously approve in wn mg, . .
th ert . Provided that if such Property is used for any purpose other than res1dent1al/
a) Change of Use: Change use of e Pdrodp . Yt ny other action which HHFL might take, HHFL shall be enltlfed to charge, In
. slated herein in a 1t1on o a
commerc1a 1 purpose . · fI t st as it might fix in the circumstances of the case.
·1 1 d ' c etion such higher Rate O n ere
1
s so e IS r ' . r otherwise howsoever part with the possession of the Property or any part
b) Possession : Let out or give on leave or license o
thereof.

15
 . · h II the Borrower(s) create any right of way or any other
5
Amalgamate or merge the Property with any other ad;acent property nor a
c)
easement on such Property. .
.. t b made any material alterations and/or add1t· 1ons ·in th e p roperty.
11 0
d) Alterations or Additions to the Property: Make a nd ' 0 r a O\, e h . f
h ., a ment of any loan or overdraft or the pure ase pnce o any
Surety or Guarantee: Stand surety for anybody or guarantee t e r-P Y
e)
asset wi thout written permission of HHFL. • .
or for long term stay abroad without fully repaying the Dues
Leaves the Country: Leave India for employment or bus1nhessth stay is long term or not shall be decided solely by HHFL. If
f) . t · d ·n the Schedule-A Whet er e · . .
including the charges as con ame .' .. · • ( ) rees 10 repay the Borrower(s)'s dues in accordance with the
5
the Borrower(s) becomes a non resident ln01an. the BorrO\ier ag
rules. regulations. guidelines and norms or the RBI. .
., r Attorney or any othe r similar or other deed. in favour or any
Power of Attorney : Execute any document. such as P O\,er o ·
g)
person to deal with the Property in any manner. _ .
·1· of the Property or enter into any family arrangement or use it for any other
h) Partition of the Property: Effect any oral or ot h er pa rt I ion
purpose other than for which the Facility was granted for.
Third Party Borrowing: Borrow from any source or charge any property until the Borrower(s)'s dues payable 10 HHFL are paid
i)
in full.
cancellation or modification of Sale Deed : Enter into any agreement for ca ncellation of/cancel the Sale deed/Agreement
j) Sell and/or modification of/modify the sale deed/agreement lo sell entered into by the Borrower(s) for the purchase of the
10
Property.
Utilisation of Loan : Utilise the Loan or tile Security for any speculative or anti-social or illegal purpose or a purpose other than th at
k)
stated with Loan Application.
Let out, Lease, Leave and Licanse: Let out, tease or give on leave and license or otherwise howsoever part with the possession/
I)
use of the Security or any part thereof,
Alienation : Sell. charge, lease, surrender or otherwise howsoever alienate or transfer or create interest in favour of other person in
m)
the Security or any part thereof or permit any charge. encumbrance or lien of any kind whatsoever over the such Security.
Agreements and Arrangements : Enter into any agreement or arrangement with any person institution or local or government body
n)
for the use. occupation or disposal or the Security or any part thereof.

o) Change in Partnership: If the Borrower(s) is a Partnership firm. dissolve or admit new partners in the partnership.

p) Change in LLP: If the Borrower(s) is LLP. dissolve or admit new partners in the partnership.

q) Contract with Affiliates: Carry out any transaction with an affiliate and/or any group company, which would result in a Material
Adverse Effect The Borrower(s) shall carry out all transactions with its affiliates and/or its group companies on arm's length basis.

r) Subject the Security or any part thereof to any family arrangement or partition or convert the Security as part of HUF property or
execute any power of attorney or other similar deed in favour of any other person to deal with such Security in any manner.

s) In case the Borrower(s) being a Company:

(i) permit any change in the ownership or control of the Borrower(s) whereby the effective beneficial ownership or control of the
Borrower(s) shall change in any manner whatsoever, without the prior wrillen consent of HHFL;
(ii) make any amendments in the Borrower(s)'s Memorandum and Articles without the prior written consent of HHFL;

(iii) declare any dividend if any inslallment towards principal or interest remains unpaid on its Due Date.
I) Wilful Defaulters list: In case the Borrower(s) is a Company incorporated under the Companies Act 1956/2013, such Borrower(s)
hereby undertakes that 1t shall not induct ~n its board a person whose name appears in the list of Wilful Defaulters and that in case ,
such a person 1s round to be on 11s board, 1t would lake expeditious and effective steps for removal of the person from its board .
u) Merger an~ Amalgamation : If the Borrower(s) is a Company or partnership firm. decide or enter into any scheme of merger,
amalgamalion, compromise or reconstruction without the prior written consent of HHFL;
v) In case of the Borrower(s) being a trust, make any disbursements to any of its beneficiaries. as also to make any distributions of the
:~~=~~~~e~;~ sthfu ~~ or a~y P~~hlh~reof. lo any of its beneficiaries. Any disbursements/distribution or payment made contrary to
1
disburseme~Vdis~n:utio~.vo1 an e ender shall be enlilled lo assail the same and require the trustee/beneficiaries to reverse such

5.3 INFORMATION COVENANTS

The Borrower(s) shall forthwith inform/supply to HHFL, upon occurrence of any of the following events:
a) Any event which has or might cause any potential default under lhe terms f .
to its business or for the purpose of availing any of the Indebtedness. o any Agreement ente red mlo by the Borrower(s ). in relation

bl The Borrower(s) shall promptly inform HHFL, if lhe Borrower(s) receives • .. . . . ..

~orrower(s) or any notice threatening lo initiate any litigation a ainst th any notice . of any ht1gat1ons being initiated against the
in respect of any or their properties or business or undertak· 9_ I d' e Borrower(s) or if a receiver is appointed or is to be appointed
mg me u mg without lim1tahon the Property
c) The Borrower(s) s_hall promptly inform HHFL in writing of the occurrence of an . . .
of lime, would be likely lo conslilule) an Event of Defaults 'f . h y event which constitutes (or with giving of notice, lapse
lo remedy the same. I
pee, ying e nature of such event and the steps the Borrower(s) is proposing

d) !he Borrower(s) shall promptly inform HHFL of any notice receiv

insurance contract taken for the Property. ed by th e Borrower(s) purporting lo cancel or alter the terms of any

16
 HHFLNer 1.1 /0219

e) The Borrower(s) shali promptly inform HHFL . ..

m wnhng of the happ • Of
on the B orrower (s) or on the ability of the Borra ( ) ening or any happenings likely to have a Material Adverse Effect
5 0
and the steps taken (if any) to remedy the sam wer h! re~ay th e Loan or on the Property, with an explanation of the reasons thereof
·1 bl' 1· d e or w tch might adverse! ff t
1so iga t0ns un er the relevant Security Document(s). Ya ec any of the Security Provider(s) or its abi!ity of perform
f) The Borrower(s) shall promptly inform HHFL . ..
ff d d ue to any nsk
su ere
· in wnhng of any loss or · 'fi
or event against which th signi icant damage which the Borrower(s) may suffer or have
8
without limitation the Property. e orrower(s) may not have/have not (as applicable) insured its properties including

g) The Borrower(s} _shall provide to HHFL such information a HHFL . . . .

5
property and affairs of the Borrower(s). shall require as to all matters relating to the business, financials ,

h) The Borrower(s} shall promptly inform HHFL in writing re d . . . .

acquire compulsorily the Borrower(s) any of th P t gar ing any communications received from any government authority 10
. . · e roper Y or any part of the Borrower(s)'s business or assets.
i) If HHFL 1s obhged for any reason lo comply with "know • . . . . .
the necessary information is not already available to ii your cu 5tomer_ or similar 1denhfication procedures in circumstances where
th
the supply of) such documentation and othe .d · e Borrower(sJ shall, promptly on the request of HHFL. supply (or procure
15
complied with , all necessary "know your cu~~:~:r~cer as requeS ted in order for the Lender to carry out, and be satisfied that It has
0 01h
contemplated in the Transaction Documents. er sim ilar checks under all applicable laws in relation to the transactions

j)
Tht~ Borrower(s) shall inform HHFL prior to undertaking any of the activities as mentioned below by giving alleast fifteen (15) days prior
no ice:

i, Apply for a voluntary winding up

ii. Sub stantiaUy change its accounting policies, change its practice with regard to remuneration of Directors by means of ordinary
remuneration or commission, or sitting fees, except where mandated by any legal or regulatory provisions.

6. REPRESENTATIONS AND WARRANTIES

6.1 The Borrower(s) hereby represents, warrant and undertakes to HHFL as under:

a} Clear and Marketable Title: The Borrower(s) assures HHFL that the Borrower(s) has absolute clear and marketable title to the
Property and that the Property and that the Property is absolutely unencumbered and free from any liability whatsoever.
b) Possession: The Borrower(s) shall continue to remain in occupation/ possession of the Property and shall not part with the possession
thereof either partly or wholly until the entire Loan with interest and other charges has been repaid to HHFL.
c) Disclosure of Facts: The information given in the Loan Application form and end use of funds letter and any prior or subsequent
information provided or explanation furnished to HHFL in this behalf are true, complete and accurate in every respect.
d) Confirmation of Loan Application: The Borrower(s) has disclosed/furnished all facts/information to HHFL in respect of the Loan and
all information in the Loan Application or in any supporting documents or otherwise howsoever is absolutely true, correct and complete
I
in all respects and that no fact or information necessary to be furnished by the Borrower(s} has been omitted to stated in order to I

induce HHFL to provide the Loan.

e) Purpose of the Loan: The Loan shall be utilized solely for the purpose for which the Loan is taken and the Loan is not taken for illegal,
speculative or nefarious.
f) Disclosure of Material Change/Defects in the Property:
i. The Borrower(s} assures that subsequent to the application there has been no material change, whic~ _would affect the acquisition
of the Property/construction of a dwelling unit on the land comprising the Property or the granUprov1s1on of Loan by HHFL to the
Borrower(s).
ii. The Borrower(s) is not aware of any document, judgement or legal process or other charges ?r of any latent or _patent defect
affecting the title of the Property or of any material defect in the Property which has remained undisclosed and/or which may affect
HHFL prejudicially.
g)
. ff t'
Public Schemes a ec mg e
th Bo rower(s)'s Property· The Property is not included in or affected by any of the schemes of Central/
r · . . . , . 'lI
State Government or of the improvement trust or any other public body or local a~thonty ~r _by any ahgnment, widening or construcTt1on
l/State Government or of any Corporal1on. Municipal Committee. Gram Panchayat etc. he
of road under any scheme o f th e Cen tra • · d · h th b ·Id· 1 th t

\
s that the Property has been constructed m stnct accor ance wit e u1 mg p ans a
Borrower(s) hereby declares an d con fiirm , . . b 1
. d I y the Municipal Corporation or in accordance with the building ye aws.
have been approve disaneI Ione i
. her demands: The Borrower(s) has paid and will paywhe~ due, all public demands such as Income
h) Due Payments of Public a nd ot h t d revenues payable to the Government of India or to the government of any State or to
Tax, Property Taxes and all the ot er t~~es a~e no arrears of such taxes and revenues due and outstanding.

i)
any local authority and that at presen

are genuine. HHFL may at any lime, call or

ere a

q
.
firms that the true copies of the documents submitted for the purpose of the Loan
Verification of Documents; Th~ Borrowr(~r ~~n ~ire verification of originals of any/all such copies. Any such copy in possession of
\
HHFL shall be deemed to have been given only by the Borrower(s). . . .
· action suit proceedings or invest1gat1on pending or lo the knowledge of the
th
Litioation: The Borrower{s) confirms th at ere
15
j) n\ fore 'any Court of law or any government authority or any other competent
Borrower{s), threatened, by or againS t 1h e Borroffwert e the financial and the other affairs of the Borrower(s) or which might put into
. ht h a Material Adverse e ec on
Authority which m19 ave th' Agreement or any of Its Ierms and conditions.
OI
quesron1 the validity or performance is
nfirms and acknowledges that the Borrower{s) has exercised due care and
k) Due Care and Caution: The Borrower(s) ~greer ~~-- I e of tax/legal/accounting/financial/other professionals) prior to taking of the
caution (including where necessary, obtaining r°fi a ~ g and/or the Property and further agrees. confirms and acknowledges that
decision, acting o~ omitting to act, in respect o mancm

17
 HHFLNer 1 1/0
· 218

. /completion of the Property including where HHFL

. struction/giving of posse(ss) iony information in respect of the builder/develop.er/sen Olay
. for any delay in con . the Borrower s an er Of
HHFL is not responsible_ the1wise provided by
roached /sanctioned or o .
have app . l"d and subsisting.
th Property "h the vendor rs va 1 .
e · th contract for sale v111 1
conditions or stipulations under any existing Agreern
Contra ct for sale: That e ( ) does not violate any covenanHHFL ents
I)
. nants: The Borrower 5 , iling the Loan from · _
m) Viol ation of Cove ver(s) with any party. by a;a pprovals and clearance required for availing the Loa .
entered into by the 8 orrO\ u,at all the necessary a n ar,o
A rovals: The sorrower(s) assu'.es d or shall be obtained. .
n) Nece_ssaryh pcpurity/securilies have been obtaine ·1 ·s pending in the Municipali ty. Mag1slrnte's Court or any Court 0r
creating l e se es that no sui 1 · f · · 11 ,· · f th
I Laws: The Borrower(s) assur erved with any notice for in ring ing ,e pro;1s1ons o e Municipallltl
o) In fringemen t of Loca ty nor has the Borrower(s) been s uthorities or wilh any other process under any of these Act
Law in respect of the Proper . or Gram Panctiayats or LocaI a . s.
or any other Act relating lo local bodies . re resents and warrants to HHFL tha t lhe Property over which the mortgage
brances· The Borrov✓er(s) hereby P d conveyed assigned, transferred. assured and charged are the
p) .Charges and
Encum · ssed to be gran Ie , · b d
d be created hereinbefore expre f any mortgage, charge or encum ranee an arc not subject 10 any
Is propose Io r(s) and they are free rorn
8
absolute properties of the orrowe ·ssued by any Court of law.
h ent or other process 1 • H •
lispendcns, attac m h" If acquainted with the rules prescribed by HFL, m force from tim• lo
'b d by HHFL· The Borrower(s) shall keep imse , "
Q) Rules prescn e ·
time d" no actions tiave been initialed against the Borrower(s) under IBC.
The Borrower(s) hereby confirms that no procee mgs or . .
r) . ., vered lo borrow the Loan, provide the security documen\s, execu te the promissory notes if any
s) The Borrower(s) 1s enlilred and empo'. t' n vilh and upon execution of the same will create legal and binding obligations on
and all other documents and papers in connec 10 ~ . . .
the Borrower(s) and shall be enforceable in accordance w1lh their respective terms.
• b lh Borrower(s) with their respective affiliates and/or its group companies are on arm's length basis and
I) All contracts entere d m1o y e . .
all terms of such contracts are in accordance with the acceptable commercial practices.
In case of the Borrower(s) being an HUF. the subject matter of this Agreement and entering inio ihe ObHgation here_under or pursuant
u)
hereto including the borrowing of the Loan under this Agreement and the purpose thereof as also creating of security over the assets
for securing inter alia. the Borrower(s)'s dues, is for legal necessity and/or benefit of estate of HUF.

v) In case of the Borrower(s) being HUF, either all the adult members/co-parceners of HUF have signed/executed and delivered this
Agreement and other transaction documents or the Karta has the full authority from all the adult members to (for and on behalf of the
HUF as also on their behalf in personal capacity) to sign, execute and deliver this Agreement and other Transaction Documents, and
to enter into the obligations mentioned thereunder and pursuant thereto and the Karla has accordingly signed, executed and delivered
this Agreement and other Transaction Documents for and on behalf of the HUF as well as the behalf of the Karta and each of the
members/co-parceners of HUF in their personal capacity.
w) In case of th e Borrower(s) being HUF, the Ka rla and each of the other member(s) of the HUF, shall in addition to the HUF be
personally and fully habl': on a joint and several basis, to HHFL, for the Borrower(s )'s dues and for performance of the obligations of
the Borrower(s) under lh1s Agreement and other Transaction Documents.
x) The Credit Information is true and accurate in all t · I ·
omission of which would m k f ma ena respects. 1s not misleading and does not omit any material details, the
a e any act or statement therein mislead· d th c · f th
warranties herein contained ing an e red1t Information shall be deemed to form part o 8
y) The Borrower(s) does not violate any covenant con . . . .
Borrower(s) with any party by avail'ing th L 'f ditions or stIpulat1ons under any existing agreements entered into by the
· e oan rem HHFL.
z) All ~els, conditions and things required lo be done f Ifill d
I
delivery of this Agreement have been fulfilled d ' u e .or performed, and all authorisations required or essential for the entry and
aulhorisation has been or is threatened to be ' onke, obtained, effected and performed and are in full force and effect and no such
. revo ed or cancelled
aa)
:his Agreement has been validly executed and an dd .
ocumdent constitutes or will con stitute whe,, exey a I dendum/supplemental agreement lo the main Agreement or each contract
accor ance with th · , · cu e legal v I·d · • ·
. _ eir respectrve terms. ' ' a I and bind ing obligations of the Borrower(s) enforceable in
bb) Nothing in this Agreement conflicts w·th
tax or statutory authority or an I any law, regulation or bye law of th el
confirms that in the event HHFC such 01h er authority which is bi d" e Central or a State Government or any local or revenu
by reason of entering into th·s /uffers or incurs or is.put to any c:stg ~n the Borrower(s) and the Borrowe r(s) hereby undertakes and
or HHFL thereby violating o: inre~ment with lhe Borrower(s) or bys, \arg_es, expenses, penalties, claims, demands and/ or damages
without any demur. protest or de~:~;~g any such law, regulation or ba: mg in pursuance of this Agreement because of the Borrower(s)
cc) The Borrower(s)'s obligations pay/ reimburse lo HHFL all sue: c~:: ~,e Borrower(s) shall, forthwith on demand by HHFL ~~~
and performed for privat und er this Agreement and th ' harges, expenses etc. so incurred or suffered by HH
or a Of th 1. e and cornmerci I e contract d d e
ny e r assets from suit e . a purposes and the ocuments will constitute private and commercial acts on
8
contract documents. , xecut1on, attachment or legal orrower(s) will not be entitled to claim immunity for u,emselves
dd) Th B process in a . t or the
. e orrower(s) has not take ny proceedings in rela tion to this Agreemen
institutions/ banks/ le d n any other Loan ad
n er and ·f 1 • vance f · •
security lo any Loan ad i aken, the same h . ac1hty or debt of a cial
tender to any oth · vance, facility or debt f as been disclosed ny nature whatsoever from HHFL / any other finan y
er person(s) d. . o any n I correctly a d h · en an
ee)
of::
Th . an if given the sa
:r:o crtharge, lispendens, lien or oth'
pe y offered as the Se .
a Ure whatsoeve n t e Borrower(s) is not a Guarantor or giv . 1
me has been disclosedrc~anted by HHFL / any other financial institutions/ banl<s
er encurnbran rrectly.
cunty. The Borrower(s ce or legal dispute of art

=-cf ) has a clear and

'•
any nature on the Borrower(s) or the whole or any P
marketabl 1·11
eto th, Pmperty off•"' as the s,,om ·
·1y
 HHFl.Ner 1.1/0219
ff) The Borrower(s) has ve rified the . •
. .. ongInal title d<>~ds l th
necessary mquines/ searches a•
) 1 concerned gov
_., a e omce or the b Uh•·ct er 1d"velop"' /so · • .
8 orrower(s has disclosed to HHFL , ernment offices in res e t f - •• c1e 1Y 1assoc,ahon /company and made
11
That the Prop ri a rac,s relating to the Property purc~aiedob !heh Property purchased by the loan amount. The
gg) e •Y purchased by the loan . Y t e Loan amount
or by any alignment, widenin or . amount 15 not included in or affectect
g construction of road uncler an• h by any of the schemes of any compete nt .iuthority
hh) The Agreement for sale/ sale deed/ d d 'I sc 0 me or any competent authority
the builder/developer or as lhe e: of transfer of the Property purchased fr ,,, ·
has been taken in time case may be, Vendor is valid and subsislln d ~m th_ Loan amount between the Borrower(sJ and
. g an e plan and required perm:ssions for Construction
ii) The Borrower(s ) shall keep himself acqu . t d .
I d ·d a1n e with the rul Cf
ru es ec1 ed by HHFL at its sole discretion in respect of t~s , any) presc~ibed by HHFL in force from time to time Including the
jj) Thal the Borrower(s) is a major and . f _ _ e matters relating to Dual Rate of Interest.
rt I d . is o sound m,nd (where a / th B . .
cons ' u e and incorporated under the iaws or India (where a/ th e orrower(s) is an ,nd,vidual); (ii) is a boCJy corporate duiy
1956 or any oU1er body corpora te); (1Ji) is a partner ship firm wilhi: Borrower(s) is a company incorporated under the Companies Act.
persons mentroned in Schedule A as partners (whe I th B th e meaning of the Indian Partnership Act, 1932 comprising of the
·1nto and p rf
e orm h'IS /',1er/its
· re a
obligations uncler this Agreement
e orrower(s) is a partn h. , ) •
ers 1P ,,rm : and ,s competent to contract and enter

kk} That the Borrower(s) has paid and will pay when due all ublic _
revenues payable to the government or any local b d \ . dema nd s such as income tax. property taxes and all other taxes and
0 18 1
the Borrower(s)'s properties under the provisioii ( thy " only. There are no proceedings pending against the Borrower(s) or any of
sO e 1ncome Tax Act, 1961.
II) That the Borrower(s)(s) isf are having enough ca acit to tak th ,
Property, due to good current financial capacity Pd . Y f ef 's Loan a~d re-pay_ment thereof as per this agreement and own the
an m0ow o unds only, either md1v1dually or jointly.
mm) that the Borrower(s) is not party to any liliga\'o f ·
rise to such litigation or material claims a ai \ ~ oB a matenal character and the Borrowe_r(s) is not aware of any facts likely to give
Municipal Magistrate's Court orb f g ntsh e orrower(s) and the Property IS not subJect to any suit or litigation either before the
e ore any o er court of law.

nn) That un~I .any moneys are due. or outs tanding under th is Agreemen t, the Borrower(s) shall ensure that all insurance policies
~rocure m a~cordance w1t1 1 this Agreement are valid, subsisting and operating by complying with the terms of issue of such
insurance policies.

oo) All representations and wa rranties of the Borro":'er(s) in this A~reement shall be deemed to be repeated by the Borrower(s} on every
day from the date of lhIs _Agreement unill the said Dues are paid to HHFL in full; and the Borrowe r(s) will forthwith inform HHFL in the
event of any representallon or warranties being or becoming untrue or incorrect on any day or at any time.

7. EVENT OF DEFAULT & REMEDIES OF HHFL

7.1 EVENTS OF DEFAULT
If one or more of !he events specified in this Article (hereinafter called "Event of Default") shall have happened, !hen HHFl by a written notice
to the Borrower(s) may declare that th e principa l, all accrued interest and alt other amounts payable by the Borrower(s) shalt become payable
forthwith by the Borrower(s) to HHFL under or in terms of this Agreement, and upon such declaration the same shall become due and payable
forthwith and the Security, if any, created in favour of HHFL for the Loan shall become enforceable.
a) Non Payment of Dues: If the Borrower(s)'s Dues or any part thereof is not paid and/or repaid to HHFL on the respective Due Dates
for such amount(s) .
b) Representations and Warranties: If any representations or statements or particula rs made in lhe Borrower(s)"s proposal/ Application
herein are found to be incorrect or the Borrower(s) commits any breach or default in performance or observance of this Agreement or
any documents creating Security or fail to keep or perform any of the terms or provisions of any other agreement between HHFL and
Borrower{s) in respect of this Loan.
c) Performance of Covenants: If default shall have occurred in the performance of any covenants and conditions, on the part ol the
Borrower(s) under !his Agreement.
d) Attachment or Distraint on Property: If an attachment or distraint is levied on the Property or any part thereof and/or proceedings
are taken or commenced for recovery of any dues from the Borrower(s) against the Property;

e) Notice to HHFL on happening of an Event of Default: If the Borrower(s) fails to inform the l ender of the occurrence of any Event
of Default or any event which after the notice or lapse of time, or both, would become an Event of Default.

f) Cheque Is dishonoured: If a cheque in respect of any monthly payment is n f ot paid on thte da led_thebreo f or \..,hered anyEsMu ch
- d b f th date of its payment · or if a cheque in respect o any paymen me1u mg u1 no 111m1 1e to 1 1s
C hequ e Is renewe e ore e •
dishonoured.
. . t /El tronic Transfer/SI etc.: If the Borrower(s) falls to deliver ACH mandates/Electronic Transfer/
g) Failure to furnish ACH manda es ec .
SI in accordance with the terms of the Loan or as and when demanded by HHFL,

h) Failure to create Security: If the Borrower(s) fails to create Security as required by HHFL.
er(s) or Security Provider(s) acts fraudul ently or dishonestly.
i) Fraud by the Borrower(s): If the B orrow
. . ion/ACH mandate/: Where th e Borrower(s) has accepted payment of due amounts through
j) Non-payment through direct ,n_5 fruct b·t f h·s
1 bank account or th rough electronic fund transfer and any such payment is not
direct deduction from salary or direct de I rom
received or honoured or cleared. _ . _
rty f r which Loan is availed and/or the Security or any part thereof Is let out, given on
th
Alienation of Security/Property: If e P~ope d ~ncumbered, used for comme rcial purpose or otherwise alienated in any manner
k)
leave and license, disposed off, leased, ~ a_rge f HHFL
whatsoever without the prior written permission ° ·

19
 HHFLNer 1.110219

. • f the securities created, including the Security, or an,y part

· pa1rn1en, of any O bl 1· · t d) h.
. deterioration or ,rn f ( •hether actual or reasona Y an 1c1pa e , w 1ch causes
ity· If ttiere rs any · Ket price thereo w
Depreciation of 5 ecu r . c·~tIon in the va!ue er mar - lo character or vaitie .
I) , , d"chne or depre le satisfactory as
thereo, or_an_y - . . rn<>nt of HHFL to become un h Loan or underlying the Loan becomes unenforceable 0
the Security rn the JU09 - . curity or Guarantee lo t e r
. g unenforceable: rf any Se
ml 5 ecu rity becom1n
. hallenged by any person. .
. . of <>n act of insolvency, general assignment for the benefit
·n'ructuous or is c , . . s commission " .,. . b k
1' . winding up. failure In busines • . rs or threatens to do so. filing of any pet1t1on in an rup\cy of by, or
1
Insolvency: The mso.venc~, } ,cpends payment to any credito .
n) 1 1•ency of the Borrower(s) and not being withdrawn within 30
of creditors. i! the Borrower,s sua of any netition for winding up mso,
. t the Borrower(s) or filing up r-
~gatn\ being admitted. . d·vorced 0 , dies or becomes a lunatic and the other surviving
ays O • Vh any of the Borrower(s) or Guarantor! is 'r HHFL ~urther if the Borrower(s) dies and the legal he'rs
o· or Death · \ ere . •t e sole opIn on o . , • I ' .
rvorcc . . · bl of securing the Loan in ' 1 . rea~on whatsoever fail to execute a supp ementary agreement. in
0)
Borrower(s) 15 incapa ft~" Borrower(s) co not or other.vise f_
successors. assigns o -
r? or
• ithin the time as may be s11pu a e
db; HHFL in its so!e discretion , agreeing to substitute themselves

the format accept;;ib!e to HHFL. "'

in place of the deceased Borrower(s}. . n that the Borrower(s} or the Guarantor are unable to pay their
· vsonablc appre 1,ensio · · · bTt t · d
bTt to repay the Loan : if there rs re , ( . or llie Guar.intor has adrn1ttc d its ma 11 Y o pay its ebts, as they
p) I na , I y . . f II or either of tne Borrower s 1
debts whether 111 part or 111 u
become payable h G antor suffers any Materi.il Adverse Effect on the Borrower(s)'s financial
T . ·1
1 th e Borrower(s} or l e uar .
Chang e in Fin ancial Pos1 ion. t . 1change in th e Borrov1er(s}'s business
q)
condition or profits or business and of any ma erra , . . '. .
G ntor is convicted under any cnmmal la\~ in force,
e al conviction: if the Borrower(s) or tI1e uara . . .
r) L 9 which ma" affect the Property for which Loan Is availed and/or the Security or the value
If the Borrower(s) or Guarantor does any act ,
s)
of such Properly and/ or Security.
If the Property for which Loan is availed and/or the Security is
t)
(i) destroyed beyond repair tor any reason whatsoever, or

(ii) used for any illegal or unlawful pu rposes, or

(iii) attached or seized or becomes a part of any other legal proceeding
Cross d efault: If the Borrower(s) or Guarantor has made a default under any Loan either under this Agreements or other
u)
contract with HHFL
Supply of misleading information : If any information given by the Borrower(s) in relation to the Loan Application and/orTransaclion
v)
Documents or otherwise is found to be misleading or incorrect in any material respect or any representation or warranty referred to in
this Agreement is found to be incorrect.
Failure to furnish information/documents: If the Borrower(s) fails to furnish . any information/documents, as required by HHFL
w)
If any litigations or proceedings (including arbitration or conciliation proceedings) are initiated against or orders or decrees are passed
x)
against or notice are received by the Borrower(s) or the Guarantor.

y} Failure to deliver balance information: If the Borrower(s) fails to sign and deliver to HHFL the balance confirmation of!he Loan as
and when so required by HHFL in the absence of any manifest error in calculation of such statement pointed out by the Borrower(s)
within 15 days after receiving the balance confirmation statement from HHFL.

z) Change in employmenUbusiness : There is any change in the terms or place of employment or business of the Borrower(s) or the
Guarantor and the same is not informed to .HHFL. .
aa} Criminal Conviction : The Borrower(s) or Security Provider acts fraudulently or dishonestly.
bb) lnfructuous Security: If any security of the Loan becomes infructuous or is challegened by the Borrower(s) or any other Person.

cc) S~~rt Payment: Where th e Loan made by the Borrower(s) to the Lender falls short of payment required to be made by the Borrower(s)
wI respect to the amou nt due from the Borrower(s) to HHFL .
dd} Change in Management Control· There is h · · ·
capital of the Borrower(s) (in ca e th an(y c_ ange 111 the const1tutron, management or existing ownership or control of share
s e 8 orrower s) is a company or partnership firm)·
ee) Inability of pay debts: Where the Borrower(s) and/ th . . . , .
Provider, as the case may be comm·ts f. or e Security Provider 1s an individual, if the Borrower(s) and/or the Secunty
. • 1 an acI o insolvency or makes 1· · d
Is passed against the Borrower(s) and/or th S . an app 1cat1on for declaring himself an insolvent or an or er
Security Provider is a partnership firm •f ti ~ ecunty Provider, declaring him/her an insolvent/ Where the Borrower(s} and/or the
1
lo it or any of its partners or if the Bo• ,e ( orrower(s} at1 dlor th e Security Provider is dissolved or a notice of dissolution is given
rrower s} and/or the s ·1 • •
makes an application for being declared ins t ecun Y Provider or any of its partners commi ts an act of insolvency or
Borrower(s} and/or the Security Provider .
0I
°
ven or an rd er rs passed declaring it or them or any of them an insolvent/ Where the
th
~he ~e~ning o! section 271 of the Comp~~i:sc:~P;;;·t e Borrow_er(s) and/or the Security Provider is unable to pay its debts within
its winding-up filed or any order for winding-up is~ad or_a resolution for winding-up of the Borrower(s) is passed or any petition for
or estate of lhe Borrower(s). e againS t th e Borrower(s) or if a liquid at or is appointed in respect of any properly
ff)Withdrawal of Permlsslon/Au th . .
Construction d/ I onzation: If any permissio th · •
an or egality of the Property is withdr n, au onzation. issued by the government authority (ies) with respect to
gg) The Borrower(s} and/or the S 'ty . awn or cancelled or withheld for any reason whatsoever
p ecun Provider ha 5 b ·
ecome the subi·ect 0 f proceedings,
erson under any bankrupt cy or .insolvency law inctud· . .
demand notice or any action initrated by an y
hh) There exists any other circumsta . . ing under the !BC.
nee, which in the sole opinion of .
· , HHFL is prejudicial to the inte rest of HHFL.

20
 HHFl.Ner 1.1/0219
ii)
If the Borrower(s)ISecunty Provider b,, ·
d I · f .ing a partnership firm h
ror 1sso ution °the partnership; · as any steps taken by the Borrower(s)/Security Provider or ,ts partners
Jll the Borrov1er(s)! Securi1y Provider being LLP h
0 f th I h' · a · as any steps take b, •·
e rar ~ers ip. n ) ,ne Borrower{s)/Secunty Provider or ,ts partners for dissolution
kk) If the Borro·11er(s)ISecurity Provider acts/o d •- .
· HHFL d th p .. ' r es,"ts from acting in anv • . . .
in un er e 0;1er(s) of Attorney from b . • , . , manner which will Jecpard12:e the security or the powers vested
8"1[! exerc1s"d solely by HHFL ( .
I!) Conditions urecedent to Disb - acting through its Au!horized Representatives).
.. . urse111ont: Where th,, Lo-n d I•b . .
lhe cond1l1ons precedent stipulated in this A e ~ "' ~ ursement 1s to be 1n 1nstallm nls, \ho Borrower(s) fails to fulfill
. b f gr ernent or any sch~dule he t .
dis ursernent o each o r the installments (or 5 h . " re o or in any other cornmunicalton. prior to the dale of
. uc extended penod as may e pcrmi:ted by HHFL)
mm) If the Borrower(s) (being a Company) goes into t . . ·
I
amalgamation or merger or demcrgc r except . res rue unng, compromise, arrangement, scheme, liquidation for the purpose of
' 111
•.v1 prior wnllen approval or HHFL.
nn) If a Receiver is appointed in respect of the whole or an, t r h p
Y par o I e roperty /assets of tho Borrower(s).
co) If t11e Borrower(s) cea ses or threatens to ceas e or carry on ils ou iness.
5
pp) 1r it is certified hy an nccountant of a firm of iic t
do so at an lime) th.it th . r b'f'
1 . coun ants appointed by HHFL (which HHFL is entitled and hereby authorised to
,
I::iusIness < Y • e ra ,ties of the Borrower(s) exceed !he Borrower(s)'s assets or that the Borrower(s) is carrying on
a 1 a 1oss.

7.2 NOTICE ON THE HAPPENING OF AN EVENT OF DEFAULT

a) On !he occurrence_of any event or default HHFL shall serve notice on the Borrower(s). specifying the event(s) of Default and providing
the Borrower(s) w ith reasori_able lime to rectify such events(s) of derault, if the event of default is capable or being rectified. The
Borrower(s) hereby uncondmonally iigree that any failure of the Borrower(s) to rectify such default v,ould constitute an event of default
as specified 1n Clause 7.1 above of lhis Agreement and the Borrower(s) shall forthwith after notice er lapse of time mentioned in the
notice for the purposes of rectification of !he derault be entitled to the remedies specified in Clause 7 hereor. Nothing hereunder shall
prejudice the obligation of the Borrower(s). to inrorm HHFL of happening/occurrence or any Event of Default.
b) On the expiry of the period of notice, the Loan shall immediately stand repayable by the Borrower(s) lo HHFL and in such case it shall
be the obligation of the Borrower(s) to immediately repay the Dues to HHFL .. In case of default by the Borrower(s) to immediately
repay the Dues, HHFL shall be entitled to without prejudice to the other rights and remedies available , to HHFL, under this Agreement
and in law. to enforce Security created by the Borrower(s) in favour of HHFL in terms of this Agreement.
c) Cancel all undrawn part of the Loan. sanctioned but not disbursed to the Borrower(s).

d) Reschedule the Repayment and require the Borrower(s) to pay higher equated monthly installments repayment than the EM!s (as
defined hereinberore) and upon receipt by the Borrower(s) of such demand, such higher monthly installment shall become payable,
with effect from the lime mentioned in the notice or m absence or any such mention, from the date or such notice.
e) Upon the Security becoming enforceable, HHFL shall , without prejudice to its other rights and remedies, be entitled to and shall after
issuing a notice have iibsolule power and authority to use ils discretion to repossess. sell and dispose or the Security or_any part or
the same by private treaty, without (as far as may be) the intervention of the Court, in accordance with the remedies available under
and subject to the applicable law including but not limited to under the SARFESAI. as a~d when HHFL may, 1~ 1ts_absolute d1scret1on.
deem fit and to apply the net proceeds of such sale in satisfaction so far as the same will ~xtend towards !1qu1dal1on of the Loan. The
Borrower(s) hereby agrees and undertakes not to raise any dispute as to the value at which the Security Is transferred_by HHFL and
the decision made by HHFL shall be final and binding on the Borrower(s). HHFL L shall not be liable for any loss arising due lo the
sale or trans fer of the Security under this Article. ,,
I
0 Prescribe the Additional/penal interest, which shall immediately be payable on the overdue amounts .

g) HHFL may also terminate this Agreement at any time after the expiry or the period of notice.

h) • · · ant to the rovisions or this Article, all the provisions of this Agreement shall
Notwithstanding any cancellation ohr termmatio;~il~syuprovided m~tatis mutandis till such time as the Loan Amount is repaid by the
continue in full force and effect as ereIn specI 1
Borrower(s). to the satisfaction of HHFL.
• •
. . . .
7 2 (b) d (e) above no notice prior to sale I disposal of the Secu nty will be requi red to
'l
i) Notwithstanding anything contained m Clause · a(n) pressly ·waive the right to receive the notice. in the event of the happening
be given by HHFL to the Borrower(s) a nd th e Borrowers ex

\
of any of the following: . . . . .
i. Change of either the Borrower(s)'s place of residence without rnt1mat1on to HHFL. or
( )1·s 1
·n contravention of any law; or
ii. Where the Borrowers f HHFL or any statement or representation made by the Borrower(s}
iii. Where the Borrowe r(s) has availed the Loan fraudulent 1Y rom

to HHFL is false or incorrt t; ored the terms of the Loan or the terms hereof; or
iv. The Borrower(s) has con raven

.
.
v. The Secunty acquire
d th·s Agreement is in possession of a third party; or
. d by the Borrower(s) un er I
. . d'
d. gs for insolvency/win mg
up are initiated against the Borrower(s).
. . . .
\
v1. Where any procee ,n . event of fraud or evasion by the Borrower(s))_includmg without llm1tallon
j) An situation which in the view of HHFL may const1tu:~-an and any suggestion made lo HHFL by any neighbour of the Borrower(s),
I
(a/non availa bility of the Borrower(s) for any pe~od bo ::ing· (b) the Borrower(s) has been avoiding payment to its other lenders: or
other lenders and the likes, that the Borrower(s) is a sco bared. the Security. without prior written consent I approval of HHFL.
t d third party rights/ encum . .. . .

k)
(c) the Borrower(s) has crea e
Notwithstanding any other rights available to HHFL_
th •
u;~:~ . t HHFL shall be entitled to 1mllate cnmlnat proceeding or any
t~,i~gl;:~:;d~r at its sole discretion has_ sufficient grounds to believe that
·ate actions against the Borrowe'.(s)• if d y submitted any forged documents or fabricated data to HHFL.
o er appropn isrepresentations an I or
the Borrower(s) has made any m

21
 HFLNer 1.110219
).

• ery of its dues and enforcement o f any of its rights under th T

. it may deem fi, for recov e ransaclion
take any action as
I) HHFL may · 'd·•· d
Docurnents; d the Lender un e
d r this Agreement shall be 1n ao 1i1on an supplemental to any rights the l
f d ur'ty d ender ha
. d owers conferre on w for the time being in o.ce an sec I ocuments and shail not be in d . s
rn} All nghls an P . th Borrower(s} under any Ia. erogatiol'l
as a creditor against e . .
thereof. . cumulative and nothing herein contained shalt prejudice or affect
l conferred herein are any genera!
ers and the entitlemen 5 be by 1O_\,. or otherwise entitled.
n) The pow 1
.,hicli HHFL is or may • •
or special powers to • t . d in any of the Transaction Document, upo_n the occurrence of following e t
. tO the contrary con a1ne , ven s:
th1
o) Notwithstanding any ng . t any of the Obligors or by Obliger itself. before any forum under the IBC a .
. . b anv Person aga1ns r h 1/1 • s passing
Fl11 of any apphcation Y - b or dec'a ration of partners, ,or t e purposes o owards/recon1mending filin
01 01
i. f :~y resolution of directors or niem ferssolvenc.y resolution process or fast track resolution process or voluntary liqg .d ~ny
o . r n for Irnt1atI011 o 1n . tr .d . uI atIon
roceedings or apphca 10 . k tcy or any kind of insolvency/reso1utI011 1qu1 al!on/bankruptcy process by wh l
P h start process or oan rup a ever
process or I res h Obl'gors
1
lted in relation to any of I e · . . .
named ca . f the creditors including the opera11onal creditors und er section 8 of the IBC to any th
• Issuance of any demand notice by ~ay
ii. Obligors demanding the payment o amoun
O
t involved in default as mentioned therein or threatening filing of any proceecJin ° I
e
gs Ior
initiation of the insolvency process. . . .
. f the Property or any part th ereof or sIm1tar action or issuance of any notice thereof or a
.
iii. Any seizure , co
nfiscation
1 possession o
' . .
.
d by any of tile Authorities in relation to any o ,e
r
ti Obi '
,gators or any of their assets
ny
otice in the nature of garrnshee issue . .
n . h h 11 1 ·gger initiation of any moratorium or standstill of any nature. \'/hether by statutory operation or
iv. Any action or event whic . sbal Ln in relation to any of the Obligators or any o f their assets.
otherwise under any Apphca e aw, . . .. .
celerated forthwith (unless expressly waived by HHFL IJ1 writing) without any further act deed
Th B0 rrower(s}'s Dues shaII s1an d aC . ·1 b t . '
Pl e . . . HHFL d HHFL shall be entitled to exercise all rights ava1 a le o 1t under the Transaction Documents
or provision ° 1
notice by . . an cl of such Event of Default including, without limitation, the enforcement of all Security lnteres~
Applicable Law or otherwise In respe ..
created in favour of HHFL in respect of the Loan Facility.

7_3 MAKING GOOD ANY SHORTFALL .

. d th h the sale/ transfer of security is insufficient to cover the lull amount of the amounts owed by the Borrower(s) then
II the net sum rea IIze roug . . ) ..
without prejudice lo the other righ ts and remedies of HHFL under this Agreement or in law, the Borrower(s agrees to pay to HHFL forthwith at
HHFL's demand such amount as will make up the shortfall.

8. INDEMNIFICATION
a) Without prejudice to the other rights of the Parties under this Agreement or Applicable Law, the Borrower(s) undertakes to indemnify
and keep HHFL and its officers/employees or any of its respective directors, officers. employees, representatives , attorneys, associate
and agents (each an "Indemnifies Party") fully indemnified and harmless from and against all the consequences of breach of any of
the terms, conditions statements. undertakings, representations and warranties of this Agreement as also of any of its representalions
or warranties not being found to be true at any point of time, including any actions. suits, claims, proceedings, damages, liabilities,
losses, expenses (including fees, disbursements and other charges of counsel which may incurred by the Indemnified Party in any
action between the Borrower(s) and !he Indemnified Party or between the Indemnified Party and the government authority or between
the Indemnified Party and any person) or costs faced, suffered, or incurred by any of the Indemnified Party (Collectively, ' Losses") by
reason of or in connection with this Agreement or under any of the Transaction Documents or any actions, or steps taken pursuant
thereto, including arising out of/as a result of:

T~e rep:esentations and warranties given by !he Borrower(s) under any of the Transaction Documents being false or untrue or
misleading.

ii. The Borrower(s) failing lo comply with the provisions of any Applicable Laws and any other law for the time being in force;
11
iii. : e B_orrower(s) failing to take necessary action to protect the interest of the HHFL and whole or any part of the properties
meIudmg the property;
iv. Negligence or default on the part I th . •
Documents· any O e 8 orrower(s) 111 complying with the provisions of this Agreement and the Transaction

v. Any material Adverse Effect·

Vi. Aeling or relying on any ev ' t h" h .
vii Investigating en w ic it reasonably believes in an Event of Default·
· any event which ii reas bl b - . '
viii The occu ona Y e1ieves IS an Event of Default·
· rrence of any E t 10 •
ix An d . ven o efault or any cause thereof·
. y elay in payment of any sums pa ab! . ' .
and th e Transaction Docume t . y e or reimbursable by the Borrower(s) to the HHFL under or pursuant to this Agreement
x L n s,
. evy by any government authority of an char . .
~ocuments as may be required under Ay r ~e, Tax or penalty in connection with regularizing or perfecting any of the Transacti~n
Tues ha~e been repaid in full to the HJfta le law and any other law for the time being in force at any time until the Borrower(s) s
ransacl!on Documents for proving any ' _or _getting any of the Transaction Documents admitted into evidence, or relying on any
xi. The exercise of an of . c1aim. and/or
breach non y lhe nghts by the HHFL under th·I f ny
T ' ·performance of the Borrower(s) ~ Agreement or under any of the Transaction Documents as a result O at
b) 1
he Borrower(s) hereby accepts d o any Obhgat1ons under this Agreement or under any other Transaction Oocumen s.
and om,ss,ons on the art an acknowledges to hav II acts
on HHFL on account PI of the wananties and/or repr e clearly agreed and understood that the indemnity would cover a de
deed or thing don o any breach of Warranty re esentations of1he Borrower{s) Similarly in the event of any claims being mad
e or ornitled to be done or undert pkr~sentations, non- compliance ~f any A~plicable Law unauthorized act, rrau( }'
a mg made by B { . '. It e BorroweI 5
orrower s) or its employees, agent, being false, 1 •

')2
 HHFUVer 1.1/0219
undertakes to pay fortli-:1ith on ~rst demand b,,.
contest, protest whatsoever. -ing made by !ho HHFL of !in am .
Y ount on this account without any demur. reservation,
c) The Borrower(s)s doth hereby furthr..
bu.• 1·1m1·te d to costs suffered by the HHFL
_r undertakes to l d
.
.
n emniry the HHFL from all l ,, _ , . .
employees or agents that HHFL m , ~ _in defend:ng any suit 5 , applications or css-s, dam<,ges, cos,s and expenses 1nclud1ng
reason of any suit. application ay .,_ufrer on account of any defect in th rn pr?Ceeding aga,nst :he HHFL or any of its officers.
· prccec chng, complaint filed by an ti d e I e °'
th e Land or property mortgaged to HHFL or bv
d) The Borrower(s )s uncterta'Ke to p-y, 'h . . Y w party for whatsoever reason •
" ,01, 1•rtnI O d ·
which demand being by ihe HHFL I n emand lo the HHFL and in no h .
basis incurred and or to b . a I r.oSls an<I expenses(inclu<ling legal . b ca.se t at 30 (Thirty) carendar days from the da:e on
execution preservation e ,~curred oy the HHFL for irwestigat111g of hllc test etween legal counsel and client ) on a full indemnity
instrumen;s creal ing a, ·/er o:r~ance. enforcement and realization of tho ~ny pr~pert)'. offered as Security and for the preparation,
I
. L o,or cvincncmg the creation or any secu •t f h e orrotier(s 5 Dues, Transaction Documents and ther
1 oan.
wi 111 tie n Y or t e Loan as al~o any other instruments required in connection
e) The Borrower(s) shall forthv,ith and ,1011 t
t ti' -f " ·ct . a et 1ian 30 (Thirty) calendar d f th
o .'e" oru a1 ' pay over to and make good to the HHFL all the ays ram e date receipt of any no11c.e from the HHFL in relatron
make such payments togett,er wi th interest and AddT I. sums and amounts as may be claimed by the HHFL will be liable to
Th B ( lh i 1011a mlerest (1f any) hll such paymen:s in full
e orrower s ereby acknowledges and ag rees that comrnuni,. ; ' . . ..
them and all such risk shall solely to the accou t f th B -aton through focs,m1le and eonatf have inherent risk associated with
I d · '
osses , amages. costs, charges. expenses ta·,,
n o e orrower(s) hereby agr
. .
t · d •,
ees a 1n emni,y the Indemnified Party against any
• . . • x.,s susta111ed or incurred by them a f , .
any notrce, communications exchanged between th s a resu II o, or 1n connectron with. or arising out of
I th
through emair and/or facsimile . e part es rough email and or facsimile in respect of the Transact,on Documents

g) The indemnificcition right of the Indemnified Part d ti ·

11
and remedies as the lndernnifi<>cl Party may ha Y utnl er ~ agreement ;;ire lnde;:>endcnt of. and in a<lditionar to, such other rights
. - ve a aw or 1n equity or otherwise includ·n th · · t t k ·
rescission restitution or other inju 11 ctive relief none 0 f h' . h . · - 1 g c ngn o see specific performance,
, w 1c11 rig I or remedies shall be affected or diminisl,ed thereby.
9. WAIVER
No delay in exercising or omission to exercise any right , d ·
under this A reement or an ot ' . . ' po~1er or reme y accruing to HHFL under this Agreement upon any default
9 . · Y her document shall impair any such righ t. power or remedy nor shall be construed to be a waiver thereof
or any acqurescence _in sue~ default: nor shall the action or inaction of HHFL in respect of any default er any acquiescence by ,tin any
default affect or impair any right. power or remedy of HHFL in respect of any other default.

10. EFFECTIVE DATE

This Agreement thoug.h ~xecuted on the Execution Dale shall he deemed to be effective from the Effective Date as specified in Schedule A
hereto and shall remain in force and effect until all the monies due and payable to HHFL under this Agreement between the Borrower(s) and
HHFL are fully paid to the satisfaction of HHFL.

11. SECURITISATION/ASSIGNMENT
HHFL shall at any lime, without any consent of or notice/intimation to the Borrower(s) be entitled to sell. assign, securitise or transfer or discount
HHFL's rights and obligations under this Agreement and any Security in favour of HHFL (including all guarantee(s)) to any person(s) of HHFL's
choice in whole or in part and in such manner and on such terms as HHFL may decide. Any such sale, assignment, securitisation or transfer
shall conclusively bind the Borrower(s) and all other persons. Any cost in this behalf, whether on account of such sale, assignment or transfer
oe enforcement of rights and recovery of outstanding and dues shall be to the account of the Borrower(s). The Borrower(s) undertakes to pay to
third parties the Loan outstanding lo the extent assigned hy the Lender to the third party and to the Lender the portion of the Loan outstanding
which has not been assigned by the Lender to the third parties. The Borrower(s) shall not be entitled to direclly or indirectly assign the benefit or
obligation of this Agreement without the prior written permission of HHFL. HHFL may, in the event of any assignment, securitisation or transfer
of HHFL's rights and obligations under this Agreement. hold the Security for the benefits of assignee/ transferee company.

12. COLLECTION / ADMINISTRATION

a) The Borrower(s) expresses, recognizes and accepts that HHFL shall, without prejudice to its right to perform such activities itself
or through its officers or employees, be en titled and shall have full power an<I authority lo appoint one or more third parties as
HHFL may select and to delegate to such third party all or any of its functions, rights and powers under this Agreement relating
to adminis tration of the Loan including the right and authority to collect and receive on behalf of HHFL from the Borrower(s) the
PEMI (if applicable)/ Monthly Installment and other amounts due from the Bo~rower(s) unde'. this Agreeme_nt and_to perform and
execute all lawful acts, deeds, matters and things connected therewith and incidental theret~ 1_nctud1~g sending notices, co_ntachng
the Borrower(s), receiving cash/ cheques/ drafts/ mandates from the Borrower(s) and g1v1ng valid and effectual ~ece1pts _a_nd
discharge to the Borrower(s). The Borrower(s) shall be liable to pay charg~s, cost~ and expenses f~r such_ collect,on activ1ties
as mentioned in Schedule A. For the aforesaid purpose, HHFL shall be entrtled to disclose to such thrrd part1~s all necessary or
• f • rt · · to the Borrower(s) and the Loan and the Borrower(s) hereby consents to such disclosure by HHFL .
re Ievant in orrnat1on pe aining
accepts that HHFL shall have absolute right to shift or transfer the place of concerned branch
b) Th e Borrower(s) express Iy agrees an d
. • d.
r h B ( )
'th ut prior-post intimation to the Borrower(s). In the event oI such trans er t e orrower s agrees
al any time al any locatlon in 1n 1a w1 ° se of this Agreement and such office shall be the concerne
db
ranc
h
.
to attend such transferred o ffi ce for aII PUrpo

13. MISCELLANEOUS
13,1 INSPECTION . .
. k f aunts and other records maintained by the Borrower(s) or his agent at any pface 111
The Borrower(s) shall permit inspectron of_ all boo ~:F~c~he Borrower(s) shall also permit similar inspection by such other companies. other
respect of the Loan to the persons auth~nzed by L · oint or authorize for the purpose of the Loan g(anted by HHFL.
banks, institutions. credit bureaus or bod res as HHF may app ••

23
1

13.2 STATEMENT OF ACCOUNT

a) ETC. HHFLJVer 1.110219
HHFL shall maintain or c
at their office in New D ause _to be maintained in accorda . .
generated certificate elh1, evidencing the amounts from nee w11~ its usual practice, eiectron,
evidence of the exist~~~:1:~~r~ from ,HHFL's electronic tet;~~:~s\~:l~~s~ursed and due unde~ ~~~~~~~~=d accounting systems
~~~~::;~~:~~~:~t:i~h;~~s
acre evidence of the exrsten
1
t~~~~::t :fn~~h:b~;~;i.::rf;i :~a~
0

eement, the entries made in the co

~~~•:~f 1
~~::~:~~~:1nb:n~ ~e::;r:~;,:~slra;~~:=~s~:~;~~~i~;
e sa me, In any legal action or tng ans1ng out

~~Fo:
agrees, acknowledges and ce and amounts therein recorcled and amo miuter gene;aled and maintained acco:~oceed,ng arising
~:=~I
b)
mentioned tn Schedu le-A her:~:~pts that lh~ Borrower(s) shall pay to

~~~~ ~ne ad;::t~~~: t;:e::~~~-1~:~~II~:;;:;z~::~~t~en~~

The statement f
o accounts of HHFL dul 1
. men enure of the Loan
.• . . .
;~alt;at,on, recovered and expendedn

l~~,~~1:~i~~:ot~l~~~t~~!~~~:✓!~1r
be prima

~~~~:a!:~~r:~: ~:~:g~:r ~:~I:

ursement and thereafter debited
of payments received by HHFL y cer !lied by ,ts autnorised officer, shall be con I . .
) . c us,ve evidence of amounts due to HHF
c The Borrower(s) agrees that HHFL . . Land
expressly agreed and decl ared I ,s not responsible or liable in any way whatsoavcr r
negotiated or conducted ·i; not t~~t::n~e;:i,~~i~der ~f ~uch Properly by or through whom t~~s ~~=n:::~~~~ur~has~d on_loan. It ,s
made directl\' by HHFL to the Borro;;er(s) . an l at HHFL has no liability for any representations or syt lave een ,n~rod_uced,
- · a ements whrch 1s not
13.3 SHARING OF INFORMATION
a) The Borrower(s\/s irre bl
• 1 • voca Y agrees and consents to HHFL . 1 - .
to National Housing Bank, any agencies, bu reaus (includin cr:di~~;f time and m any manner disclosing and/or making available
Nation~! Housing Bank or otherwise), affiliates of HHFL, a~d its hold~;m~~on companies specified by the Reserve Bank of India.
(1ncl~d111g personal and financial information) and document f I . g mpany, and other persons whosoever any information
5 0
Credit Information in such cases vhere HHFL ·ct or re atmg to th e Borrower(s)/s and/or the Guarantor/s including any
. · • cons, ers appropriate including whe e h d' 1 · · '
un d er law, circular or guideline or where HHFL is f th .
information and documents for preoara!ion publ'c:r e v,~,~-t
1
t~ . r sue 1sc osure 1s permitted or required by or
the ,nterests_of HHFL require such disclosure or for furnishing such
to other persons including banks a'nd finan~ial in,stil ~~i~~;. Th'! ~rou~;~i~~: :tt~1_trei orts a_~d tedit_opinions relating to the Borr~wer_(s)
of this Agreement and the repayment of all Dues of the Borrower(s)ls. is causes a survive even after the term I termination

b) The _Borrower(s) hereby undertakes and covenants that it shall provide all information, including information regarding other credit
fac11it1es enJoyed by the Borrowcr(s), as and when required by HHFL.
c) The Borrower(s) agrees that HHFL may, as it deems appropriate and necessary disclose and furnish to CIBIL.
d) The Borrower(s ) declares that the information furnished to HHFL from time to time is and shall be true and correct.
e) Th e Borrower(s) hereby further agrees that in case the Borrower(s) fails to pay the Borrower(s)'s dues or commits default in the
repayment of the Loan or interest thereon on due date(s), or the account of the Borrower(s) becomes Non-Performing Assets as
per the Rese,ve Bank of India's norms, the Lender will be al liberty to disclose or publish in print and / or electronic media the
photograph(s), name(s) and address(es) of the Borrower(s) as willful defaulter along with the details of outstanding dues payable by
such Borrower(s), to HHFL .
f) The Borrower(s) confirms that HHFL may for the purposes of credit reference checl<s, verification, etc., disclose any information/
documents relating to the Borrower(s) under this Agreement to any third party.

g) The Borrower(s ) further authorizes HHFL to disclose such information/documents to Reserve Bank of India, ~HB, l~come :rax
Authorities, Credit Bureau, third parties, Credit Rating Agen_cie s, Oata_~anks, Corporates, other Banks, Fmanc,al mstttulions or any
other government or Regulatory Authorities, statutory au thorities, quasi 1ud1c1al authont,es.
10 th
HHFL shall be entitled to exercise this right of disclosure withou t being _required to issue any further notice in lhis respect e
h)
Borrower(s). The Borrower(s) specifically waive the privilege of pnvacy, pnv11y and defamation.

13.4 COST AND EXPENSES . o HHFL all taxes, expenses, duties, charges, expens~s,
The Borrower(s) irrevocably undertakes to pay forthwith on demant t set out in Schedule A hereto) and any penally relating
a) fees etc. (including , interest tax , stamp duties, CERSAI ch;rges f:i~indemnity basis in following circumstances:
' d ther charges whatsoever paya e on
there to , legal cost) an any O ent or any competent authority;
An demand or order passed by Central or Sta te governm . istralion of the Loan/Security documents.

:;_ Fo;investigation of ti lie to the Property, Sf ecu:;rty·ppr:~:::~~:::;~;;::~=~t, realization, colle~~~~~~~o~;::~::::~~~i~:~~~:10 °~

age preservation o 5 ec , ft whether with retrospec I d. ct
iii. For crea tion o f mo rt g • thl Installments; now or herea er, . other documenl/s to be execute 1n respe
PEMls (if applicable) and/ or the Mon I y d by the Loan amount or in relation to any d' relion makes any such payments. the
to thi s Agreement or th e Propert_y p~;;:~~rity in favour of ~HFL. If HHFL ati~ts ;;~: o~~elng i~timated by HHFL of the same.
of the Loan amount or for creation reimburse HHFL within 7 (seven) wo1k g . eel of the documents evidencing/
Borrower(s) irrevocably undertakes to s/ levies , in respect of the Loan and/or;: r::~ower(s) alone to the exclusion of
Any and all stamp duties, legislali::~tf:sot~~:~~;~: imposed, sha~t~,~~r:~il:nioi:~n~ya~solu_te discretion make such payments.
b) . the Loan and/or any p . ke such payment, HH . of the Loan disbursed.
~o~it~~n~e event t11e Borrower(s)_~a~; ~H~~ will form part of the principal amount h'ch HHFL shall certify as having sust~ined:
in whi;h event all such amounts pa• . to HHFL all costs, charges or_expet~:1: ~harges and expenses of the legal a v,sor
The Borrower(s) shall bear, payea~fd::~~r~i~:: of an Event of Default including a c '
c) . d by it as a consequenc
1ncurre
attorn eys of HHfl.

24
 HHFLNer 1.1,0219

d) All documentation charges and ha 'f yearly a d·t ·

•· IO ' i b . u , cnarges shall be bo b h
,ne same oe re.rn ursed by the 8orrowcr(s) NI h me Y t 8 Borrower(s) The audit fees will be paid y HHFl and
( th· t ) davs from th J I f sue sum shall be r b
,r Y • e ca e o notice of demand from HHFL. e,m ursed by the Bo,rower(s) to HHFL \'lilhin a period of 30
e) In case of delay in the payment of any amo
, .._ un 1 payable as above • th
Prepaymen, c,,arges, cheque swap charges (as m r . or'° e payment of PEMI (if applicablei Monthly Installment
standing instruc.:t:onsiNACH dishonour char" den ioned In Schedule A), other monies & charges chequ~ dishonour charges'
·h II b • ,,es on ue date the same sh 11 . • •
an d s a e computeu rem the respective due d t f _ a carry penal mterest as mentioned in Schedule A hereto
upon the footiniJ of com pou nd interest with nionth~y ~:s~:. Pe1yment to th e actual date of payment and shall become due and payable
f) In the event that the Borrower( s) fails to p::iy •vhcn d
' • • ue any sum ·vhich it may HHFL
to recover such sum , the Borrower(s) v;ill furth or p HHFL · owe Io and HHFL shall commence legal proceedings
incurred or paid by HHFL in exer,.isin[J any rig~t ay all advances, cnarges. cost and expenses. including reasonable legal fees.
- , power or remedy conferred by th t ( . . .
all such sums shall become a part of the Dues d is arrangemen . or m tnc enforcement thereof) ana
without delay or dE,niur. secure hereu nd er and shall be paid to HHFL by the 8crrower(s) immediately and

g) All tho above monies payable under thi• Clause or u d ·

the D uos . " n er tnis Agreement , if not paid in time as above, shall be deemed to bo part of

11) Tl1e chmges mentioned in Schedule A are indicativ h • .

absolute discretion rese,ves its ri hi to erio . , e .c. arges a~ on th e date of signing of the Agreement and HHFl in us sole and
1
rior cons,.,nt HHFl ma al • (- p . dica_ly rev,~w a nd re vise tho same and the Borrower(s) expressly waive any requ11ement of
Y ~ • a its sole discretion, waive or re-negotiate any or all such charges HHFL •hall intimate the Borrower(s)
0
Pf - · .
o any sue 11 revIsIon and declare such rev·I · h · · -
. ·' sea c argcs on its website W\w1.hcrohO.com The Borrower(s) shall be liable to pay the
revised cha rges without any demur and s1,~11 not b 1·11 d · · · · ·
. . , , u e en I e to raise any obJccuons fo, any such revI sIon. Any changes in the charges
will be effected prospectively.

13.5 SERVICE OF NOTICE

a) Communic ation s in writing

i. Any notice, deman d , request or other communication to be given or ~ade by a party to the other shall be in writing unless
otherwise slated. Such nolice, demand, request or other communication shall be deemed to have been duly given or made when it
shall be sent by any of the following means: (a) delivered personally, or (b) sent by facsimile transmission, or (c) sent by registered
mail with acknowledgement due, postage prepaid/courier or (d) sent by e-mail.

ii. HHFL shall give notice to the Borrower(s) of any change in the terms and conditions of the loan agreement. If such change is to
the disadvantage of the customer, he/she may within 60 (sixty)days and without notice close his/ her account or switch it without
having to pay any extra charges or interest. However, any revision in the Rate of Interest, Fee, Charges by HHFL in accordance
with the rights available under this Agreement shall not be construed as change in terms and conditions.
iii. The details of the Parti es for the purposes of serving notices in relation to or pursuant lo this Agreement shall be as set out in the
Schedule-A to this Agreement.

Provided th at the Borrower(s) shall inform his current residence address or any change in his address, expressly in writing,
immediately after availing full and final disbursement of the loan. In the event of failure of the Borrower(s), HHFL shall be entitled
to consider the add ress of th e Property as the current residence address from the date of full & final disbursement for lhe purpose
of any correspondence.
iv. HHFL shall not be bound to accept instructions from any agent appointed by the Borrower(s) and shall be entitled to insist that all
instruclion under this Agreement be provided to HHFl directly/ personally by the Borrower(s).
v. HHFl ma send any notice to the Borrower(s) or to any person concerned in any manner as it may decide al its sole discretion
provided ihat all such notices shall be in writing. However the Borrower(s) shall send any notice to HHFL either through hand
delivery or through registered post with acknowledgement due only.

b) Delivery

. .
Any communicahon or document ma de or d e 1·Ivere d by one Person to another under or in connection with this Agreement will only be effective:
i. ff by way of personal delivery, when delivered; t

ii. If by way of facsimile, when the sender receives a receipt Indicating proper transmission . .
• D ft ·1 has been deposited in the post by speed post or by registered speed post, with
iii. ff by way of feller, 3 (three) Business ays a er 1
acknowledgement due. . . . ·
. ft ·1 has been couriered duly addressed to the addressee 1f tne courier company
f I t 3 (th ee) Business Days a er 1
iv. If by way o et er, r d f ·1 delivery or attempted delivery al such address; or

c)
v.
furnishes a statemenVrecor o I s
.
If by way of e-ma1t, when rece1v

English language
.
. ed in legible form and subject to such e-ma il.

tb · E r h
\ l
. . 'th any Transaction Document mus e m ng is .
. . . nder or m connection w1 .
1. Any notice given u . . any Transaction Document must be in English or if not in English
'd d der or in connection wi 111 f th High Court
ii. All other documents prov, e un . d by a translator identified as an approved translator or e
accompanied by a certified English translation pr,:a:ecceptable 10 HHFl, which translation shall be governing version between
of any State in India or another translator reasona y

the Borrower(s) and HHFL. th t the same was so sent shall be final, conclusive and binding on the
ctFL who sent such not 1ce a
d) A certificate by an officer of H '
Borrower(s).

25
 HHFlNer 1.1/0219

13.6 SEVERABILITY
11 any provision of this Agreement is held to be illegal, invalid, or unenfcrce~?,le un~er any present ~r fut~~~ _law'..and if the righ_ts or ob_ligatlons
under thls Agreement oi the Parties will nol be matenally and adversely ct11ectea thereby _ta) sucn pro,1s1on ,viii be fully severable, (b) this
Aareemen! wil! be construed and enforced as if such illegal, invalid, or unenforce2ble prov1s1on had never comprised a part hereof: and (c) the
rc~rnainirtg provisions of th Agree,nent will remain in full force and effect and will nut lJe affected by the illcga:, ln~~lld, or_ une.nforceable provision
or by its severance here from. The Parties hereto shall then use al! r_easonable. endeav_ours to replace ,he 1l~egal, inva,:~ or unenforceable
prnvis•ons with a valid and enforceab!e and mutually satisfactory substitute prov1s1on. ach1ev,ng as nearly as po:ss1ble the in,ended commercial
effect of the invalid, illegal or unenforceable provision.

13.7 A CKNOWLED GEMENT OF THE TERMS

Th !3onower(s) ac.1<nowl edges and accepts the rates of interest anc! ils calculation method. other le.JS , charges and all other amo~nts _payable
as per the terms of this Agreement as reason able and the Borrower(s) !las understood the meaning of each terms and frnanc,al 11nplicat1ons.
amounts payable a,,d liabili ies and obligations ,:;reated under this Agreement.

13.8 SUPREMA CY & AMENDMENT

a) This Aoreernent supersedes all discussions and /\greemcnts (whether oral or written. including all correspondence) prior to the dale
of this ~Agreement between the Parties with respect to the subject matter of lhis Agreement. This Agreement may be modified or
amended only by a writing duly executed by or on behalf of each of the Parties.
b) HHFL s11all be entitled to enforce !his Agref,me11t and its rights and benefits created her€:under including (but not limited to) in
relation to the Security and lo seek any and all remedies to the exten t applicable under tile laws prevailing in India from time to
lime.
13.9 TAXATION
a) The Borrower(s) shall bear all Taxes as may be levied from time to time by any government relating to the Agreement. In the event
the Borrower(s) fails to pay the monies referred to above, HHFL shall be at liberty (bu t shall not be obliged) to pay the same and the
Borrower(s) shall reimbu rse all sums paid by HHFL in accordance with the provisions contained herein . HHFL shall have a right lo
debit the Borrower(s)'s account maintained with HHFL with the sum paid by HHFL on behalf of the Borrower(s)
b) All payments by the Borrower(s) under the Agreement shall be made free and clea r of and without any deduction, except to the extent
that the Borrower(s) is required by applicable law to make a Tax Deduction. If the Borrower(s) is required to make any Tax Deductions
from any payments to HHFL. the Borrower(s) shall make that Tax Deduction, make payment of the Tax so deducted to the relevant
Tax authority within the time period prescribed under applicable law and deliver to HHFL entitled to the payment, a lax deduction
certificate in the format prescribed under applicable law ("TDS Certificate") or such other form of confirmation as per applicable law
which allows HHFL to take full credit for such Tax Deduction, within the timelines prescribed under applicable law. The Borrower(s)
shall promptly upon becoming aware that lhe Borrower(s) must make a Tax Deduction (or that there is any change in the rate or the
basis of a Tax Deduction) notiiy HHFL accordingly. Similarly, HHFL shall notify the Borrower(s) on becoming so aware in respect of a
payment payable to HHFL
c) If HHFL is unable to take credit of any Tax Deduction made by the Borrower(s) due to a breach by the Borrower(s) of its obligations
under Article 13.9 (Tax Deduction) the Borrower(s) shall (within 5 Business Days of demand by HHFL), indemnify HHFL for any Tax
payable by HHFL due to such breach along with any interest or penalties charged by any Tax authority and expenses payable or
incurred in connection therewith .
d) Article 13.9 (c) hereinabove shall not apply with respect to any Tax imposed by governmental agencies in India which is calculated
by refe rence to the net income acti.1ally received or receivable (bu t, for the avoidance of doubt, not including any sum deemed for
purposes of Tax to be received or receivable by HHFL but not actually received or receivable) by HHFL; or
e) HHFL intending lo make a claim under Article 13.9 (c) hereinabove shall promptly notify the Borrower(s) of the event which wil l give,
or has given, rise lo the claim.

13.10 OVERRIDING EFFECT

This Agreement and the other documents attached hereto or referred lo herein integrate all the terms and conditions men tioned herein and/
or incidental hereto and supersede all oral nego tiations and prior writings in respec t of lhe subject matter hereof. In the event of any conflict
between the terms, conditions and provisions of this Agreemen t and any other Transaction Documents, then in such event, the terms , conditions
and provision of this Agreement shall prevail.

13.11 FURTHER ASSURANCES

The Borrower(s) shall execute and/or procure execution from such other Persons as may be necessary. in favour of HHFL or any nominee
of HHFL any further/additional/fresh deeds/documents etc. wherever required by HHFL to do so in respect of the Facility and the Security as
mentioned herein.

13.12 LIEN AND SET OFF

a) Notwithstanding anything herein contained, HHF:L shall have an overriding lien ove r all the Security(ies) monies of the Borrower(s),
which are in the control/possession of HHFL, its group companies and affiliates. This right of lien shall not be affected by any reason
whatsoever.

b) The Borrower(s) hereby authorizes HHFL to apply any credit balance to which the Borrower(s) rnay be entitled under any Loan, in
satisfaction of any sum due and payable herein but remaining unpaid. HHFL shall also have the right of set off in respect of any amount
standing to the credit of the Borrower(s) in any/all of the Loan availed/to be availed from HHFL.
c) It is hereby agreed and understood that in the event the Borrower(s) default(s) in payment of the outstanding and other charges
mentioned herein, then without prejudice to the rig l1I of termination provided herein, HHFL shall be entitled to set off its dues against
any monies in its possession/control and due from it to the Borrower(s) whether by way of deposits or otherwise .

.J 26
 HHFLNer 1.1/0219
13.13 HHFL's REMEDY

a) Without prejudice to the aforesaid claus HHF . . _

Agreement shall be several a d .e. Ls remedies under this Agr , .
n cumulative and not in the altemaiive eemen, or otherwise at law including termination of the
b) The Borrower(s) expressly agrees(s) th t . _ •
· e 5 p 0 ct or O ti · a no th1 ng herein conta· d
in r _ ~ any 1 er obligations of the Borrov.1er(s) 10 HHF ine ~h~!I operate to prejudice the rights and remedies of HHFL
is eHnHl!FtleLdbto or operate to prejudice HHFL"s right to ""'m~d - Lor preJUd1ce or effect any general or particular lien to whi.ch HH . FL
to y any other person r . ' - ~ ies 1n respect of any t
or ant indebtedness or liabT! r pressn
11 Yo the Borrower(s). or ru:ure Security(ies) or obligalion given

13.14 GOVERNtNG LAW AND JURISDICTIOt~

a) The Parties agree that this Agreement shall b

. e governed by the laws of India
b) The rights, powers ancl remedies available tO HHF . ·
· h . c L Under this Ag • .
ng ts, powers and remedies avi!ilable to HHFL . reemcnt shall be in addition to and wHhou l prejudice to all
d
exercised independently or collecllvely. ui, er applicable law or bye-law and which may be given lo HHFL and rnay be

c) Tl1e Borrower(s) further agrees that all claillls d'f'

1 .
in pursuanl to th is Agreement including any q, .;eren~es and disputes ansing out of or in relalion lo dealingsflransact1ons made
be subject to 1he exclusive jurisdiction of tt ues ,~n
I
°
whe th er such dealings, transactions have been entered into or not shall
and ag rees that the Lender niay however i~ _clsourbs al Delhi only. Notwithstanding the aforesaid, the Borrower(s) acknowl~dg. es
. · · 1 a so ute d1scret1on commence a I • . ,
Agreement ago1nst the Borrower(s) ,n a court !rib . - ny ega 1 action or proceedings arising out of this
, una1or any other appropnate forum situated in any part or lnclia
13.15 DISPUTE RESOLUTION

a) All claims. disputes, differences or claims or queslio 5 0 f · · -

Agreement shall be submitted to arbitration and sh / any nature ~rising between the Parties, out of or in conneclion with this
1996. or any statutory amend me t lh f . a be seHled by arbitration in accordance with the Arbitralion and Conc1hation Act
n s ereo , w1111 a sole arbitrator to be appointed by HHFL.
b) :;~e~~~: ~~~tlration shall be Delhi, India c1nd the arbitrc1l1on proceedings shall be conc1ucted in English language, unless other\'iise

c) In _the event of inca~acity or re~i~nc1tion or death of the sole arbitrator so appointed, HHFL shall be entitled 10 appoint another
arbitrator In place of tne earlier aro1trator. and the proceedings shall conlinue from the stage at which the predecessor had left.
d) The award given by the arbitrator shall be final and binding on the Parties to this Agreement.
e) II JS clarified that _HHFL shall, a'. its discretion , be entitled to consolidate and combine any arbitral or legal proceedings iniliated or
proposed to be 1n1lialed under this Agreement with any arbitral or any other legal proceeding initialed or proposed to be initialed under
one or more of the other Transacl1on Documents.
f) Nolhing contained herein shall be conslrued as extinguishing, lirniling or ousting the rights and remedies of HHFL, if available now or
in future as against the Borrower(s), Security Provider and/or guarantors, if any and/or any other Persons, or any or their respective
assets, under the SARFAESI Act and/or the SARFAESI Act and/or IBC, and HHFL shall stand absolutely entitled to exercise such
rights/remedies thereunder irrespective of tile initiation. pendency, or continuation of any olher arbilral or olher proceedings.
g) Nolwilhstanding anything to the contrary conlained hereinabove, in the event that due to any change in the legal status of
HHFL, or due to any change in the applicable law or otherwise. becomes enlitled to recover the dues owed to it or be treated
as a •financial institution" under the DRT Act or comes under the purview of the SARFAESI Acl" which enables HHFL to
enforce the security under the SARFAESI Act or proceed to recover dues from the Borrower(s) under the SARFAESI Act and/
or the ORT Act, the Borrower(s) hereby expressly agrees and consents !hat HHFL shall be entitled to exercise the righls and
remedies available to HHFL under the SARFAESI Act and/or ORT Act including to recover !he Borrower(s)'s Dues from the
Borrov1er(s) and/or the promoter of the Borrower(s), the Security Provider and/or guarantors. if any, or any other Persons, by
filing proceedings with any of the debt recovery tribunals constituted thereunder. Provided that neither a change in the legal
status of HHFL nor a change/amendmenl in law or issuance of notification as referred to in lhis sub paragraph above, will result
in invalidating an existing award passed by an Arbitrator pursuant to the provisions of this Agreement.

h) The Borrower(s)'s liability hereunder shall not be affecled, terminated or prejudiced by the death. insofven?y or any incapacity of the
Borrower(s), but such liability shall continue in full force and effect and shall be binding on the Borrower(s) s successors as provided
in the title and as the case may be.

14. GENE RAL CLAUS ES

The Borrower(s) agrees/confirms as follows:
. . - / r ·es assigned in favour of HHFL by paying on lime the premium as !hey fall due and produce
a) To keep alive the insurance po 1icy po 1c1 ,
the receipts to the Lender whenever required - _ _ _ _ _ _ , _ _
. . d d' SI any paymenl 1hat it may receive in connecllon with any insurance pollcyfpollc1es against
b) HHFL shall have the right to receive an a JU tin the Schedule A hereunder in any manner as it may deem fit notwi!hslanding
the Loan and alter the repayment schedule as se I ou_
. tained in this Agreement or any document or paper
anything to the contrary con . .f · ·
amend men ls !hereof shall be deemed to be part of this Agreement as 1 !he prov1s1ons
c) The Sanclion Leller. Schedules hereto and any
th f set out herein in ex-tension. .
ereo were h d shall be in writing such modification/revision shall thereafter form an integral
I
d) Any modification/revision of this AgreemenUSc e u es ·
part of this Agreement. h' A menl and in the even! that the Borrower(s) is illiterale and/or cannot read
d nd unders1ood t 1s gree I · · d 'I' lh I
e) Thal the Borrower(s) has rea a .. h' A reement have been read over, translated and exp ained in etat m e vernacu ar
English language. the terms and cond11ions oft is g ,. •
language to the Borrower(s). i;;,

'
27
 The Borrower(s) hereby confirms and acknowledges that the Borrower(s) has read, understood, agrees and accept all the
above terms and conditions mentioned in the Loan Agreement from Article 1 to 14, on page no.1 to 27.

IN WITNESS WHEREOF, the Parties hereto have signed this Agreement in acceptance of all the terms and conditions
stated hereinabove on the day, month, year and place mentioned hereinbelow.

SIGNED ANO DELIVERED BY THE WITHNAMED BORROWER(S) :

(Signatures to be appropriately provided for individual/sole proprietorship/partnership/body corporate borrower)

Accepted. Signed and delivered by the Borrower(s)

&. __, A
:1j
1_

In case of Individual/Proprietor
,...,

2. Co-Borrower Name: f"1 e,.e·ro..

In case of Partnership Firm

Signature (3)
1. - - - - - - - - - - - - - - - - - -

2. _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Signature (3)

3. _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Signature (3)

4. _ _ _ _ _ _ _ _ _ _ _ _ _ __ Signature (3)

(All partners of the Firm)

OR
In case of Company/Umiled Liability Partnership

For
----------
Director/Authorized Signatory (3)

WITNESS :

S.No. Name Address Signature

rp
1.

2.
~<r· ~,_f
'
SIGNED ANO DELIVERED BY THE WITH NAMED
For Hero Housing Finance Limited, LENDER, HERO HOUSING FINANCE LIMITED:

For HERO HO' ISING FINANCE LTD.

Authorized Signatory

Name:
Authorized Signatory ' ~ 4)
Name: Wt\uthorized Sign tory
Designation
Designation:

28
,-.c ,-=-
 HHFLNer 1.1/0219

(System gesn CHEDULE A

erated schedule to b
e affixed)

."}-(I"'" u~
( ~) 29
,)
 HHFLNer 1.1f0219

'
VERNACU.LAR UNDERTAKING

Language Declaration
Signature (4J
English I have understood all t he terms and conditions of the
agreement which have been explained to me in the Jt.fr..l,J,u{/._f'r), fq1<'f<
language that I understand

¥t ~ ~ frrlp-, q ~ct x-flf~ ~ t

Hindi "GJT~ffl~ITT'l11l!fltl~l"f(?g,

Tamil f'~Sqll~/D<EGTT U)!D!J)ilD i£l~fe~~~o;GTT ~m~p,19Ju:i bTW@

~ uufri~$iit1Ghr
GlDrr~aJ 6l~GU6lcr.1nuuL1_@1• <±,lalfli J!iff6Ul q1tll]ifb! Q6irr~Gu,ir.

Malayalam O{j)ml.006Cllffi<):~eJO&,,,\rm @o<illmll~ nfj)mlc0,>6o.JlClbdl.Jnall~ m<m ce,m:,dl6KVJ

n©,~O OJJOJm.l!ltt'>§_lo ~nJOulltB>™o O{j)mldl6\l aimq;\jleJO.JnJc&,(ll)J6Tl3:>Cllll.

Telugu ~[!"fuO~~ l l l ~ llla.•ol,5~:!.>.I\J£~ j~ esgo t i ~ ~ ~lll;;;~

~~(illJ ?.,..~0 l:>.S00i:l2J~.

Kannada CV<>r.1.> t.xllodd ;:iu.i /;la.lJ.;i> ;:0,._-.() i0?.Jor;1ci1rt•Jr.1.> ~,)mMJoEAi:;u ~r.1.) Mi:Jr1
t,) ti'\ •" C\ C ~

.;\'-1a:b.ti 1;,.i;;i,oi):tiiliilr1 ~.:SBten>l'\d.

Marathi ~ ifii:I'11I'-<llUH '<icf 3rit<l ~ ~ 3lf~. ~ I f < r y f ~ ~~

~ 31Wlll 311tr.

Gujarati ~ a:ma1I ~.;i ~~"11~ cl (lj)1:H~i ~l;!{"!lqq1~i <JiiclC➔ I <icf 101~~, <JJol
\,,\\ ff\ \ . \ ~
!lJ<.<11 ~~~ c.flf.ll !9.

Oriya ,i -<ll? QIS~IYllQ QYl~ c;:JQ (3 fi\£1~I~ ~g, £1121§ 6~16\J q~f./.1.'I ~1@100
~19 QcJl£llQ§ I

Konkani 'llilil~~"llwi~~Ploo!ll:irelc1mff~m~
<01Rl~'lfclif~3!ffil.
.
Punjabi 1l ~ B' wa f6i;r0 ~ J:fo3T i Fflf!1 fulW ~J Hat mr., Mr~~
WW MJ lfD" ~ Rfua' ITTfS1" R3' oTE "Jo I

Bengali GTrm~Jfll&f.wiT\'3'10~,m'511IffifC<JW5"f111~
'5Tfll°Wf> f<rr!p.rcr ~ ~ I
\
~ t Q ~ ~ ~f-nm ~ ~~ 91T~~tQ~lT3: ~ C'lW\Slffi
Assamese
cm>~fun~I \
Urdu r.J.r-.r..,:-!,!£.l~vJ.;:-,irvLc.-t,,J,Lv-
-✓< L.::...-Jt.f~()!(;lpJ,,L rv-£

)s 30
 HHFLN r I li 0219

DEMAND PROMISSORY NOTE

Date _ , ___ ,__ _

Plac _ l' j ~ :

having il s otficc/plnr.e of l)usiness ,11

- - - -- - - - -- - - - - - - - - - OR Wn
_ _ __ _ _ _ _ __ _ _ _ __ _ __ _ _ . a Registerr:ct Parlncrstu p Firm. enactccl undl?r the Partnership Ar:t. 1932
havrna Rcgislr::ition No.___________ rind hnvino il~ Registered Office al
through its Authorized Parlner(s) Mr 1t-.ls . _ _ _ _ _ _ _ _ _ __ _ _ _ _ __ _________ ·- ----- ----- -------
-
OR
We _ _ __ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ __ _ _ _ , a Lr rnilcd Lrability Portncrshrp. onadcd under Limrted
Llnl)ility Partnership Acl. 2008, nnrJ hnvrng its office 01 through
its Autl1orized P;irtner( s) Mr.IMS _ _ _ __ _ _ _ _ _ _ __ _ OR Mis

a Comp;iny incorporatcrl under tile pro vis ions o f Companies Act. 1956 or Compa nies Act , 2013 having its Rogislere<I Office
flt _ _ _ _ __ _ _ __ _ _ _ _ _ __ __ _ __ _ _ __ _ _ _ __ __ _ _ through rls Authorrz.etl Officer
Mr.IM S. _ vrde Resolution dated _ _ __ __ _ _

Horohy u11<;011ditiu11ally and irre vocably (1ornt1y nn(J severally) prornrse to pay to Hora Housing Frmmce Lirni1cd ("HHFL"), a
housrnu fm.111.:0 Company registered w,th the NHt1onal Housina Bank and incorporated under the provisions of Cornpanres Act.
2013 !lrld hnvrri!J ,t s regrstered office at OD, Commurity Ce~lre, Basanl Lo\~a sant Vihar. New Delhi-110057 or order tile sum of
Rs . ..20,,0D,. CJ?ID_!- (Rupccs~eca±L&6.c_ _ ~ - - - - -- - - only) lcgether with rnterest
thereon 1il 111111,11 0 or LL%per annum (Fixed/Floating) with __ rests or suc11 other rates which HHFL mny specify, togclhc.rwith
such otl1•' r dr.110•,'.l wluch HHFL may :;pecify from time to trme in accordance with the Loan Agree:ment dated ;j_Q}_QJ_/_'2-()_ZQ_
entc,od Into l11 1twtJt J11 n,d11s and HHFL for •1alue received .

Prc&ontrn,111t f,11 f),1 y1 111mt. noling and protest of tho note .ire hen;-by unconditionnlly and irrevocably waived .

In ca,o ul l111Hvftl11.1l/f 1w p11,110r

lndivid(Hllil 'rrip1 h ,ti u (' ,)

~41-t?J~~~
OR

In CO$() of r :irl1t1>1 •1hlJI 1 11111

1

- ------ -- ' Signature (5)

[
(
Signature (5)

L..
i
' 3. --------- ; Signature (5)
I
I - -
Signature (5)
14,_
'
(All portnnrn ,,r 111,1 I 11,11)
OR

In case of C<l!ll)h!ll'(ll linlh·d I lut ,!!II V f 'tt1l11fll trhlp

For

Director/Aut1101t.:11,l 1!IIJ1 1<1l•11v (l,i

1I 1" hru tdlh of tho revenue stamp)

Notc-{x) thu sl11m1l1t11> ,.1,,.,ild "'" 11 ' ·1 " 14 0

31

-----
l
 HHFLNer 1.1/0219

DEMAND PROMISSORY NOTE

Date: _ /_ 1_

Place: t" ) Ytrnlaci,·

ON DEMAND. IM/e 'ts.o)l)e2l t1omll bk,;. 16...,xe-~k~b_.______a\l of Indian habi!ant(s) residing at
~ ~ ~j ,,.Q.Lcr:u..1- OR I, _ _ _ _ __ _ _ _ _ __
rietary Concern. through its Proprietor o,1r./Ms. _ _ _ _ _ __ _ __ _ _ _ _ _ _ _ _ _ _ _ __
a Sole Pro P
having its office/place of business at _ _ __ __ _ _ __ _ _ _ _ _ _ __ __ _ _ _ __ __ _ OR We

- - - - - - - - - - - - - -- - - ~ · a Registered Partnership Firrn, enacted under the Partnership Act, 1932

having Registration No . _ _ _ _ _ __ __ and havi ng its Registered Office at _ _ _ __ __ _ __ _ _ _ __
through its Authorized Partner(s) Mr./Ms. _ _ __ _ _ _ __ _ _ __ _ _ _ _ _ __ _ _ _ _ _ __
OR
We _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ _ , a Li mited liability Partn ership, enacted under Limited
Liability Partnership Act, 2008, and having its office at _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ _ through
its Authorized Partner(s) Mr./Ms •. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ OR Mis.

8 Company incorporated under the provisions of Companies Act, 1956 or Companies Act. 2013 having its Registered Office
at _ _ _ _ _ _ _ _ _ _ __ __ _ _ __ _ _ _ _ _ _ __ _ _ __ _ _ _ through its Authorized Officer
Mr./Ms. _ _ _ _ _ _ _ __ _ _ _ _ _ _ _ _ _ __ _ __ _ vide Resolution dated _ _ _ _ _ _ __

Hereby unconditionally and irrevocably (jointly and severally) promise to pay to Hero Housing Finance limited ('HHFL"), a
housing finance Company registered with the National Housing Bank and incorporated under the provisions of Companies Act,
2013 and having its registered office at 09, Comfllunity Centre , Basant Lok, Vasant Vihar, New □;lhi - ~0057 or order the sum of
Rs. Q Hr() Q ') l.f I- (Rupees ILOc n TJ ~J_Q,..c_:rt ,a, hu-eof'rfal f::1 6-f:L o~)logelher with interest
thereon at the rate of .1.L% per annum (Fixed/Floating) with _ _ res ts or such other rates which HHFL may specify, together with

In case of lndividual/P_nprietor;Jn

fr,jj&'!J,_ v,1 _~ I
Individual/Proprietor (5)

OR

In case of Partnership Firm

1. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Signature (5)

2. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Signature (5)

3. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Signature (5)

4. _ _ _ _ _ __ _ _ _ _ _ _ _ _ __ Signature (5)

(All partners of th e Firm)

OR

In case of Company/Limited Liability Partnership

For _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __

Director/Authorized Signatory (5)

Note-{x) the signature should run across the breadth of the revenue stamp)

31
,....
 HHFL.Ner l.110219

LETTER OF CONTINUITY F.OR DEMAND

PROMISSORY NOTE

To,
Date:

Place·
------
/

t.., .
J

1.. •
Hero Housing Finance limited - - L.Uan8Cu.....
09. Community Centre ,
Basant Lok. Vasant Villar,
New Delhi- 110057

Door Sir,

IMle_~
r,;), , .. J,J. ~
f Pe.Qk 1'1evnlLJJ ' 02
I
t,, , .
:tOu--Ll..L.::a.i:,JL._.,_all or lnd1<1n habil.inr(s) residing at ~ 6,f- ~ ,-,
~
~ NP , JJ YK~e_ 1
_ OR I, - - ~~-r_, t/}J:::c.._
Concern. through its Proprietor Mr./Ms. ______-_-_-_-_-_-_-_-_-_-_-_-_---~-----_-_-_-_-_-_-_-_-:_·---- - · a Sole Proprielary
at _ _ _ _ _ _ __ __ __ _ _ _ _ _ _ _ _ ORWe .having ifs olfice/plar.e or business
a Regis tered Partnership Firm, enacted und ti1 p
er e arlnership Act, 1932 having Registration No,
and hnvina its Registered Office at - - - - -- --
Partner(3) Mr./Ms. _ _ _ _ __-__
- -_
-_-_
--_-
_-_-_
-_-OR
-- We- - - - - - - - - - - through its Authorized

a Lirnlto!I U;illillty Partnership, enacted under limiled liability PartnersI,·p Act 2008
1 . , an
dh · · ·--------------·
avmg ,ts office al _ _ _ _ _ __
__ _ _ _ _ __ _ _ _ _ _ __ _ _ _ _ _ _ through its Authorized Parlner(s) Mr./Ms.

- - -- - - - - OR Mi s . _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ . a Company incorpora ted

--------
undnr !1111 prnvbn11s o f Companies Act. 1956 or Companies Ac l, 2013 having fls Registered Office at
-·- ___ through its Authorized Officer Mr.IMS. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ vide Resolution ----------
d.ih, I _ hnreby enclose my Demand Promissory Note for Rs , Q Q, ([12.,.JJ{m__ _/. (RupeesT~
_ _l()1.C enf; _________ only) dated _ _ _ _ _ _ _ payable on demand which is given to Hero
Houmnq I 111,1, ,.-,, I 11111!11<1 (HHFLJ as security for rne due repayment by mCl to 1-IHFlof any sum now due or which may hereafter be or
beco111,, 1111,1111111111111 '" l·IHFL in respect of the loan Facility as granted by HHFL lo me vide Sancllon Letter dated 2.-3" / Dt JQo!2:o
bcn1i11u I:nfr ,1,1111" ND 10 'g_LS OS and loan Agreement dated J o/ 0 l fQ,o~ (hereinaner referred to as
tho "f:111'1111•;'). 111,tw11l,:,t.111cfln1J lhe fact that the F.:icility may from limo to lime be reduced or extinguished, lhe intention being that
the :1,i,:u, 1111 h1• 111,11111111i,1 O inand Promissory Nole shall be a contin uing al .:ill !Imes for the due rep.:iymont of the said Facilily
obtnlr1o(j l!y 1110 ,u1d pny,lbln to HHFL.

In c:miIl qi f11,lfv1, l11t1J11'1, ,p, lol1Jr

H\1'1 1 qfM
)
lndivid11t1I/P1np1h1!n1 (HJ
OR

1. Sign.:iture (6)

2. Signature (6) .I

Signature (6)
3,
-i
Signature (6) J
-- ---_1
(All ptllllllJJM " ' iii•• i 11111) OR
In caso of ( "1,1111•·ifl', 1I iu1t1n,I I hthllity l '.11 tr inn;h1p

For
 LETTER OF CONTINUITY FOR DEMAND PROMISSORY NOTE

Date: __, _ _ _ _ ; _

Place:
To.
Hero Housing Finance Limited
09, Community Centre,
Basant Lok. Vasant V1har,
New Oelhi-110057

Dear Sir,

f1 rruJL}"4,' 0?t x:el,_b_all of Indian habitant(s) residing at .hQJJ/ilh, r-1.mx: C:

!-2..:l.W:;:::..==--'-l..1.Jo.,__
, lL ,....d . OR I. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ , a Sole Proprietary x
Concern, through its Proprietor Mr./Ms. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ,having its office/place of business
at _ _ _ _ _ _ _ _ _ _ _ _ __ _ _ _ _ _ __ _ OR We _ _ _ _ _ _ _ _ _ _ _ _ _ __

a Registered Partnership Firm, enacted under the Partnership Act, 1932 having Registration No . _ _ _ _ _ __
and having its Registered Office at _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ through its Authorized
Partner(s}Mr./Ms._ _ __ _ _ _ _ _ _ _ _ _ _ _ _ _ ORWe _ _ _ _ _ _ _ _ _ _ _ _ __ _ __

a Limited Liability Partnership, enacted under Limited Liability Partnership Act, 2008, and having its office at _ _ __ __
_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ through its Authorized Partner(s) Mr./Ms . _ _ _ _ _ _ __
~.........
_ _ _ _ _ _ _ _ _ _ _ _ OR M/s. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ , a Company incorporated
under the provisions of Companies Act, 1956 or Companies Act, 2013 having its Registered Office at _ _ _ _ _ _ _ _ __
_ _ _ __ __ _ through its Authorized Officer Mr./Ms. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ vide Resolution
~-
~
dated _ _ _ _ hereby enclose my Demand Promissory Note for Rs . QJ. ([Q Q 5 L/ /. (Rupees"'JT.2e/4
One ftJ. C 'IC,rO b1trrclc,ci f:',&{j ,LJA.,pnly) dated _ _ _ _ _ _ _ payable on demand which is given to Hero
Housing Finance Limited (HHFL) as security for the due repayment by me lo HHFL of any sum now due or which may hereafter be or
t ~ ,,.
2 :3' efO 7) 2000
~ t.~ ~

1~ -
become due from me lo HHFl in respect of the loan Facility as granted by HHFl to me vide Sanction letter dated
bearing Reference No._l O2 1 SO g5 and loan Agreement dated._ _ _ _ _ _ _ _ (hereinafter referred to as ~
the •Facility"), nofwilhstanding the fact that the Facility may from time to time be reduced or extinguished, the intention being that
the security including the Demand Promissory Nole shall be a continuing at all times for the due repayment of the said Facility
obtained by me and payable to HHFL. ~\,

~~~i
-.J
'{))~
¼1'11 ~~ ~
r
G) = ~ •) .)
Individual/Proprietor (6)

OR ~
-In case of Partnership Firm

t
Signature (6)

2._
Signature (6)
~

3,
Signature (6)

------
I
4, _
......__ /siga,<oco (6)
(All Partners of the Firm)
OR
In case or Company/limited Liability Partnership
For

Director/Authorized Signatory (6)

K1.{d2.y,,_~ 32

\
 HHFlNer 1.1,0219

DIS BURSAL REQUEST FORM

To .
Date;3/)1 _{)j__;-2.(l.2.0
Hero Housing Finance Ltd
g Community Centre, Basant Lok,
v~sant Vihar, New Delhi -- 110057

As per your Sanction letter No '. .J..D-2...J_sQS_ Dated 2..3J..DJ.../~zD. for Rs. _:_2,_QJ],I._
D, {l2[D /,

(R11pees .::::I"""~i.o._c__~-- -~.----~---- l I / We request you lo kindly D,sburso

Rs
· 2'c9--r@..d11rQ~c---'· (Rs. -.::.162:~-L .. ,, . - 11 ,,__
9 1 <~ ,..
,. pee "";1, ;,,o below ,.

t . 7CHEOUE
O - - _

t ~ - - - ; 1 R ras

Ale Holuor Nnme '"' "'• 1. , . , ,., .. •,;J

I\ , .

_t_J)S_$'pq_c_~_ J2_e.,y-__~J1r:~-
,1 '° e-- -

·
1 ,. J
__;:__~1..._,_==i~?,"rJ¼l ~ e . z . ,_<.,. L-U!L..__
'7 70 73 ->e c, :J !?o"""' + ~ +in-,, e.
Nf:FT r J Fr <>-&v~
hJ.,-.,1,-,_

- -
7 ,/ J_

d0e e... o,v:'.J

. ,

:t
f
Bank Name ~ ~ < . __/.r/r:_1 ~ - -- - - - l c 11.....:3_':J-~..D3-7-5.J...5.._ --
IFSC Code (/or Eloctronic Puym~nt) _ _ _ _ _ _ _ _Amouri1 _ _ __ _ __ __ _ __ __

J
~ I
,
I
L.: DD [J RTGS [1 NEFT O FT

Bank Name _ _ _ _ _ _ _ _ _ _ __ _ __ _ _ _ _ _ ----

Ale# _ _ _ ____ _ _ __ __

IFSC Cooe (ror Electronic Pay,rumt ) - - - - - - - -

Amount----------------~
~

3. LI CHEQUE !'I DD lJ RTGS IJ NEFT L.1 FT

f
~

Bank Name _ _ _ __ _ _ _ __ _ _ _ _ _ _ _ _ _ _ - Ale# _ _ _ __ _ __ _ _ __ r, /

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IFSC CocJe Uor Electronic P;:iyment) - - - - - -- Amount _ _ _ _ _ _ _ __ __ __ ____
~
4. □ CHEQUE fJ DD U RTGS 0 NEFT !.J FT

========================-
,,-, I1
---------------===
Ale Holder Name IA<""' G.~ · r,uc o1<1sl _ _ __ __ _ _ _ _ _ _ __ ___
_Alc it
Bank Name _ _ _ _ _ - - - - - -- ----

IFSC Code (ror Electronic Payment) ---=--=--=- ==-- -=- =- =- =- -====~~---------------_

Amounl

[l RTGS ·J NEFT f 1 FT
5. 11 CHEQUE U DD

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_Ale# _ _ __ _ _ _ _ _ _ _ -

Bank Name - - - - - -- ----------=m=o~u=n~t

IFSC Code (for Electronic Payment) _ _ _ _ _ _ __

ns blo for ur.y cnanoo '"

.... -b<'>rtoW\?1:; Corr•pony w~I no! bo tt.'.lsoo . '
. ' s1 n:ilutt: bY Oorrow,1r ond "-- o

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;71)
l?J (7)
CY @ (6)
I
I
I Original/Duplicate
11111111■111
I
I Monday, February 17, 2020 ~sT>.:39ll
I Regn.:39M
I 11:36AM
I
I ~ '5ff: 7638 ~ : 17/02/2020
I
I ~ '1fq: Vanjharpada
I ct>i{i"a•it.U ~jw'ii<P. KJTZ-7263-2020
I
I c:ffiqqGtlill ~ : Notice of Intimation of Mortgage by way of Deposite of title Deed
I
I
I vim cMUIH.lltj <ncr. KALPESH M. PAREKH
I , Document Handling X'i.300.00
I
I Filing Fee X'i.1000.00

xii.1300.00

'<iiGxcfiaf HERO HOUSING'FINANCE LTD: ~ lli'c1<1'>~r\ ~- 04/02/2020 ~ tlci('\crlll

xil 2100254/- ~ "!)t'm ~ ~fM~l'i C/>llJR:ill m'8r ~
GRN is MH012161479201920E Defaced vide 0000179873201920 Dated.15/02/2020.
PRN ls 1502202010031 Defaced vide 1502202010031D Dated.15/02/2020.
 ............................. __ ,
............

CHALLAN
MTR Form Numtier-6

GRN MH011523988201920E IBARCODE 111111111111111\lllllll lllllllllllllllll II IIIIIII I Date 31 /01 12020-17:37:27lform ID 6( 1)

Payer Details
Department Inspector General Of Registration

Stamp Duty TAX ID {If Any)

fp t Sale of Non Judicial Stamps IGR Rest of Maha
Type o aymen
PAN No.(lf Applicable)

Full Name KALPESH MANUBHAI PAREKH

Office Name KJT2_KARJAT 2 JOINT SUB REGISTRAR

Location RAIGAD

FlaUBlock No. C 403 BLDG 10 PHASE 2 SAi MORESHWAR

Year 2019-2020 One Time

Premises/Building COMPLEX

Account Head Details Amount In Rs.

VILLAGE VANJARPADA TAL KARJAT
0030046401 Sale of NonJudicial Stamp 4210.00 Road/Street

Area/Locality KARJAT

Town/City/District

PIN 1
l 4l1 ! oi1iol

Remarks (If Any)

SecondPartyName=HERO HOUSING FINANCE LTD-

Amount In Four Thousand Two Hundred Ten Rupees Only

Total 4,210.00 Words

Payment Details STATE BANK OF INDIA FOR USE IN RECEIVING BANK

Cheque-DD Details Bank CIN Ref. No. 0004057202001 311 1769 IK0ALCJGX2

Cheque/DD No. Bank Date RBI Date 31/01/2020-17:24 :38 Not Verified with RBI

Name of Bank Bank-Branch STATE BANK OF INDIA

Name of Branch Scroll No. , Date Not Verified with Scroll

Department ID : Mobile No. : 992051 9241

NOTE :-This challan Is valid for document to be registered in Sub Registrar office only. Not valid for unregistered document.
~ - t'fflaf ffiCl"ro ej,'W<JI famtm> ~ a1f<iofi llR.J'clcl luJT <:.~-aRTrcSl CnfclJ 3TTE . ~ cl ll>'"'ll<R:llWT t::'Cdit11& ~ 'ffi"fol cTl<!'J

Page 1/ 1 Print Date 31--01-2020 05:39:08

-
OF DEPOSIT OF TITLE DEEDS
MEMORANDUM s. executed at _ _ _ _ r---'1~u_rmk..J<;________
OF TITLE DEED is
ANDUM OF DEPOSIT '20_-
THIS MEMOR f - - BY
day o - -
onlhlS- ) Son of /Daughter
, ~ e }cl., (PAN:_======--ag_e_d-:---=a-:::b-:::-o:-::ut;--
_ _ years residing
' cw'.'.iLJ~u.--- ~ r, ee n [_p, ad <[;a_,,,. k Tb (M::) ,.,_

h expression shall, unIes

V'- - - -- --:-~- t,1 ~!Cl s repugnant to the context or
Mr- -----:7:'i:-t.ll l ~ h

~~_±h.-t-~ ·PARTIES OF FIRST PART~;; ::g~s) of the FIRST PART.

f r Mr . LU/J".L--_a~:'.:"';'.:;;;c: . rt agor" w 1c

(hereinafter referred to a d 'o incllide its successors

meaning thereof be deeme ' IN FAVOUR OF . A t 2013 a Housing Finance
f C npanies c . . .
d under the provisions o o1 nit Centre, Basant Lok, Vasant V1har,
. a Company incorporate . ered office at 09 , commu y " "HHFL" , as the context may
Hero Housing Financ~h ~:i~~:j Housing Bank, ha~i~/;~~g;~COND PART" or " M~rt~:~:edo;o include its successors and
company registered '"' ·nafter referred to as "PART ntext or meaning thereof, e
New Delhi-110057 (here1 I II unless repugnant to the co
. which expression s ,a .
require,) f lhe SECOND PART. RECITALS
assigns o

WHEREAS . h using loan under Loan Account NumberJ1 ,· L£}d-J.

1 The PART! Es OF FIRST PART have been sanchoned a
cD:2 ~i /<\~
'L Lille __Ol_, {
C 1:(&'0 hlvr((l'¥€0
. of Rs._Q \ {"IQ Q S l/ I- (Rupee\· th ~~TY OF THE SECOND PART
~ only), Y e _ (Rupees: _ __ _ _ __
1
· t f the said loan of Rs . _ _ _ _ _ _ _ _ _ _ h 11 b s<>cured by way
2. The Mortgagor has agreed that the repaymen ° only) s a e ~

rt med by Mortgagor/s.
of deposit of Tille Deeds of immovable prope y o"' ,. , b advanced/ agreed to be advanced
·1 . t rest to secure the sanc,1oned loan ,o e 882
3 The Mortgagor has agreed lo create the secun yin e . . f S 1· n - 58(F) of Transfer of Property Act, 1 .
· - • dance with the provIsIons o ec 10
by HHFL as the secured creditor in accor . der with intent to
, . . ' ts as mentioned in Schedule A here m un '
4. The Mortgagor/sis/are authorized to deposit the said Titler ~~c~::~ibed in Schedule A here in under.
create a mortgage on the said Immovable Property more u Y

NOW THIS MEMORANDUM OF DEPOSIT OF TITLE DEEDS WITH NESSETH: i .

T alinconsiderationoflhesumofRs.~ / - ( R u p e e s T L O em 1I ,O
' /::mtac only) sanctioned by HHFL, to Mr._ _ _ _ _ _ _ _ _ _ _ __ _ __ _ _ _ _-;--
J ()ne /o,c +-
·~LU~-=.._,._'-d(Nam:iof the Borrower) and as security for due payment of the said sum of Rs._ _ _ _ _ _ _ _ _ _ _ _/-
(Rupees: _- - - - - -- ------------=-===-=~=-:---::-:--;---;-~::-:;-:-=-=- only) together
wilh inlerest that may become due and payable, the PARTIES OF THE FIRST PART has this day deposited with HHFL, the Title
Deeds more fully described in SCHEDULE A here in under, relating to his/their property more fully described in SCHEDULE A
here in under, with an intent to create an Equitable Mortgage by way of Deposit of Title Deeds of the said property owned by
the PARTIES OF FIRST PART including interest, commitment charges, cost charges and other monies which may become due
and payable from lime lo time by Borrower/Mortgagor to HHFL.

2. The Mortgagor/s confirmed that the mortgage shall secure all earlier, present and future credit facilities, granted or continued or
that may be granted or continued under or in respect of the Mortgage Debt as defined and set out in the Schedule A and that
it shall subsist notwithstanding the granting of totally new limits, facilities or accounVs coming into credit, or inter-changeability
of limits, cancellation of certain limits. etc and shall also apply to all amendments, modifications, supplemental, variations and
novalions to the facilities.

3. The Mortgagor hereby declares and covenants with the Mortgagee as follows:-

a. That the Mortgag?r_ has duly_paid and discharged in full all the dues and liabilities in respect of the Mortgaged Properties
incl_uding t~e municipal outgoings, taxes, rates, cess, maintenance charges etc. payable till date and shall continue to do so
until the said Outstandings including Loan amount, interest and other charges as per the Facility Agreement is fully repaid .
b. That the Mortgagor's title to the Mortgaged Properties is free from all Encumbrances, any dispute litigation th ' d rt
claim and reasonable doubts. • , ir pa Y

c. That the Mort~agor is the absolute owner and/ or holder of all right, title and interest in the M rt · ·
absolutely enl!lled to all incidental rights thereof including but not limited to the right t o ~aged Properties and is
thereof and except the Mortgagor no other er . ?
use, enJoyment and occupation
demand of any nature whatsoeve; to the Mo~ga~:~ ~r~;:~~::. has or have any nght, title, possession , interest, claim or
d. That notwilhstanding any act, deed, matter or thing whatsoever do .
lawfully and equitably claiming by from through . t f i
ne , omitted by the Mortgagor or any person or persons
au ority in its own right to mortga~e the ~cheduled~r~ ;~s . or e Mortgagor, the Mortgagor h~s full power and absolute
th th

/~e(/,, f'1 _(/2~~ P y/,esaod/~ locceat, ' " " " ' sec,,,ty m fa,o,coflhe Mortgagee.

(I) - - ----- ,,:: H}n) u~

34
 T:- ~t :r.~-- :~::- ·.:c::;..::; ::.r ,:: . . a"'-. p-=·.:o~. ::'."", is :€r..s!f '.1cs ,;o,:-r.:-:~:r:ed er or.:,t:-EC ;;;::,· er:, ::s-~d- mzrt~ · :;r ~n,:--.-- ,vhc·'E ~ ~ j~r

:Eii~:f: ~~:~;:~:~~~~~i~:c~·: ~~~~::i~: ~:_;:i~:~~:;~e: ~:~~~t~~~~:?;~:~:E~~~:7i;~{~:,:;~: :~: :~:;

-~

1 ·o fa~L1ca:10.-. .' ,:-,5:ci\·~::c:,: ~,:z:ee(::;-;s as ~~-e c:;dei-: t :;-;ay :-e-~ ...-ire riove- bc-&r. :r:tiaieo a9.a1.1s: ,:-i'2 ~J:,~~a;or· 2:1C
G, 7:12: !i":e .:1cr:.~2;e :y de;:c:;;t ~t :1~;~ -===~s \.:eat-=~ ?..S st:~ted h~re,n 1s the fa::;i an:! only chaigs or. me S:!":1:::dwi ~rc;>f::-!y;
-. "ihe ~:or:;a;or.'s cc:1firme-: ;hct:he r:1ax:mum arn.J 1.2<1i irt•~nded ::. :le sccure-d t:y t:-::- r:ionc3Je •11cs for the ;::ur:cs.e cf Se.:::!Vli 7S
of ihe T:-z.nsfe r of ?roperr;t Ac!. 1352 aild fc~ no ot'le:- pt..:rpcse. ., '"' ·

5 \Vht!t: makir.-; the ds:;;:csi:. :ce h•:or:gaf(>r!s s~cte·.:! :hat tne !itle de-~t~ so de;:::cs.:t-eC •:.'ena :he ::nly t:1e 1:tl~ Cee::s i:'l e·:e ~ctsessbr! ,
po'.•.,er anC: c:::mtro! of the i.-:Or~;af;~•!s in respect of ~he said Properties .
5. Tl":~ fAcn.;agor,s further sta:ed that t!le Mortgagor/ is/sre the c~solute owners/s of ;he said Proper-ty!ies 1 in tne manner
rncrs paf":icu!aily set out in Sc:ledule A her em end the said ?ioperty/ies 1s/are in his 'her.'i:s/th-a!r actuai ~oss:s::ion a:id ths
MortGCQOi 1S hasfhavs a clear and marketa(:\!e title therstci,free from all encum ~rar.c=s and s2•,e the c!-12rge-!s cr-=atec' in fa ·er
o f HHF L. there are no mOrtfa;es. char~es. lien, lease or other ':!1:umbrance:s er attachm~nts U-.ereon nor such e:icurr.::rances
shan !:>~ crea!~C in 'Nh2tsce·1e!' r:12:-:~er o:-- at2chms0t a!lc•:.'ed to Oe ie·J:eC en the said Prcp-=~ies, sc long as the 5c~"O'Ner
ccnti:1 ues to be inCe: teC or hable to HHFL The fv!crtfagor fur-J1e; siated ihat the Mortgagor/Moiifa~or s repras:r.tafr,e :s
corr:pe tenr io ar.d h3s a~solute rig:it and ai.:thority to mortgage the said Prcperties and to execut: necs-ssarf d ocum8nts,
deeds. recording the sa:-:,e.

7. 7he :i.-lor.ga~or!s ccnfirrr.eC ::--:at ii mere t~cn one propeny has been mortg2£eC. th-en each of the properties shai! :>~ listle as
joint and se 1,eral ch arge foi the satisfact:o~ of the t~tor.ga;e Deel.

8. The mont;agvr confirn,sd t:1at no :;rccsedings for recover)' of any statutory dues , iaxes, etc was initiated in the p::;s! nor a;,y
proceed inf;s er levy er tax is ;:;<enci;;,; a1;a:ns: tne 1\I:ir.gagor unoer the Income Tax Ac'. , 1961 or !he Szles Tax Laws. and ihz1 no
n:ilice has :i2er. issued I or se,1ed on !he Sorrow:r under Rules 2. 16 er 51 or any o,her ?.ules of !he Second Schedule to L'le
Inc0r.1 e Tax Act. i 95 1, or under 2:,y other I2..v for the time being in fore~. The Mor1ga~or also waived the appHca!icn cf Sec:lo~s
61 c SA ;,no 67A of the Trar.s:er of Properly Acl. 1882.

SCHED ULE A

- - - ---l---''"3=->0'--'--"0"'J-'-_,<)",-o"'-"wc.=_ _ _,_f'_1..c.,Lun1,,;;;.,. , __C'_,,.c,IC.__ _ _ _ _ _ _.......i

;..D_a_1°_ _an_d_P_la_c_e_o_fE_x_e_cu_•ti_~n
Date of De;JCSit of Title DesCs
'";3010 1 \ 'lD~u
Name and Address c f the Bo r,;:,-:,,;,r

Name and Address c f the Co¥ Sor;::,wer

N am e 2nd address of the Mortgagor

rt H J: L
D::TAILS OF LOAN FACI LITY

Sanc tion Am ount

A mount Secured by the Mort1;age

Term o f Loan Facility

DETA ILS OF MORTGAG ED PROPERTIE S

Full Description of the first Immoveable (Jo . L( o 3 LHh. K

Property, proposed to be ;nor. gagec
(T his desc'.iption shall include Pict No.,
,,fo - Io JEU n en eW\_c~~ ~ "'~ ,;,..;'~ 13 l!L '?J
St!r,ey No., Ware No .. Are a oi the land/ Bounda ries: J,..-IC&ivj~p~ ';-':"
{)_ ~1,.1~tL~ l <'f-ho~c. D'2...
area of the flaVbuilding, Souncaries
and measurem en1s of the prcpen.y as
NORTH: \f...1- C,f/f, Ne-,scJ[t::) L/1 02. Ql
meriicned in the iitla documents. SOUTH:

EAST

WEST

1"'" "~~"'"'
I

L
 9:9

:;;~,~-~-::~:~~; :;: DE"CSl7 :: = --~= ~: =C :: :s ·, ~e: ..:e-: ,::

--

WHEREAS

NOW THIS ME:ViO?~:.NDu~.1 OF D:::?os,, Cr,:;-, = c,==:::,s vv•- :;1-; =:::::::::r ·· d

1 Tna l in cor.siceraucn 0: ,:.e SU~ :,f Rs ._QQ, ~) ,-(/i ro .. ~~ (?.:;:;;:crz:_:_,_·
-v-::><->e..c-'kl,a,:..'~\JY,___ __,_(...,,a""
"'-l>C.._--LCh:)...IX\,)j/1'../1.J-
_______________ on:y; scnc!io.:e::! :y HHF!... to rAr._______________________
______ ;' ,.·:ai:"le c~ ihe Ben-ewer ) .:::-:d as s:curiiy for due poy~enr ~f tf:e saiC sur., oi Rs. _____________.
!_ Rupees: '
--:--- - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- ::ml_.- to;a!her
\,v1th ir!erest thcl mey :)e:cme due a::d ~aycbi~, Ihe ?.ll.RTIES OF THE FIP.ST F.4.Ri has this Cav :::e:Jcsiisd witt- Hf-:FL t~e T:!le
D-s:eas mer~ fully oascnb~d k1 SCHEDULE A here ir. ur.der, r~iat!ng io his/their prcperiy more fully descr.Jed in SCH~ouu:: A
here in uncer, \'.'ith an intent to creete ar. Eq1;1!abie Mortgage oy way oi De;iosii oi Titie Deeds of the said ;:ropsrty owr.ed by
r~e ?ART:~s OF Fl~SI PART including interest, commitmeri! c:'"lcrges, ccs! c:-iarges anc ether mcr.ies v~ich xay bec.:::me Gue
enc ;,aya:Jie fror:, tirns to time by SoriOvler/fvio;"igagc, ro HHFL.

2 The tvlon gagcr/s conii:-:ned that the: mortgage shal! se:::ure a!! eariit:r pres~nt and future credit faciJH!:s. granted or co:.t:,·weC o:
rhct may t & ;r:nte: •Jr ccr:tinueC under or in r&spec! of !he t.1~r!;age Ds~i 2s dcfir:eC ar.d set out in if'",e Schecuie A and ihct
ii s;'lafl suCsis~ nc~-..-1i!h.s~anCing :he g:-~nur.g cf totally new !jmits, fac:litics or account•'s c~mir.~ into CiCdi1. or imer~cr.angecnility
cf fimi!s. can!;eiJet1cn cf certab lir.11!s. etc enc sf'a!I c!so a;,piy !0 ell crnE: ndme:1ts, :nodifications, supplememai. var.arfons and
no•:a,Ions ,c. :he f2c:li1ies.

Jt
 ,_m:::::..:mr rn

HHFUVer 1.1/0219

DISBURSAL REQUEST FORM

To.

Hero Housing Finance Lid

Date:20t_Q__!__1
-- Zo2.o

9 , community Centre, Basant Lok,

vasant Vihar, New Delhi - 110057

As per your Sanclio~ Letter No. : JD Ql S O5 Dated _ 1 _ 1 _ for Rs. 9 / {r{)Q Sf.I j.---

.1 (Rupee~frn.___e_lo_LL_±L<.:.D....!J.Jl;n6:£.d
L /
Rs. Q l t d) Q c; / .--

I. ,~ CHEQUE
- .. I
_ t;...,. /rf. j Uat ,r ). I / We request tO k.
I- (Rs~Q.c.0.J_ One.
as per details given below :-

n DD [7 RTGS
you
c -1-r,, •D bna:tA, eh..il+t

Ii NEFI
03
.
indly Disburse
rliM

A/c Holder Name (A,co, E~n. !kwoo)_ _ _ _ __ _ _ _ _ _ _: - - - - - - -- - - - - - - - - -

Bank Name _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ A/c /I

1FSC Code (for Electronic Payment) _ _ __ _ _ _ _ Amount

---------
-----------
2. g/CHEQUE O DD O RTGS O NEFT OFT

A/c Holder Name c,, 00, 9J'< Roco•dsl lo ~ ✓-1 T(q_QU)+.e. .ir:c / Jn Qi kCltO ( ~ J:,am !:I cj_])
Bank Name _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ A/c # _ _ _ _ _ _ _ _ _ _ _ __

IFSC Code (for Electronic Payment) _ _ _ _ _ _ _ _....., .mount rfrQQ S l[ /r-

3. 0 CHEQUE □ DD 0 RTGS □ NEFT D FT

4. 0 CHEQUE 0 DD 0 RTGS 0 NEFT D FT

A/c Holder Name (As cer Bans A•ccrds)I _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __

G Bank Name _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __....., /c # _ _ _ _ _ _ _ _ _ _ _ __

IFSC Code (for Electronic Payment) _ _ _ _ _ _ _ _, A m o u n t - - - - - - - - - - - - - - - -

5. 0 CHEQUE ORTGS O NEFT □ FT

0 DD
A/c Holder Name IA, oor Bonk Records) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __ __ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ ___,le# _ _ _ _ _ _ _ _ __
Bank Name
-
mount _ _ _ _ _ _ _ _ _ _ _ _ _ _ __
IFSC Code (for Electronic Payment) - - - - - - - ~

, ·11 not be ,esponsible lor any chanQe in favouring dela1ls other than
N ·
Ole. Any coueclion 1equlres coun1e1 slonalure by Borrowei an
d c°- borrowers . CornpanY '"
dalails lilied In this lom,.

33

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 ,...

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 ~ Document H andling C 11a{·ges
W Inspector General or Reg istration & Stamps

Receipt of Document Handling Charges

PRN 3110201906728 Receipt Date 31/10/2019

Received from KALPESH MANUBHAI PAREKH , Mobile number 9325659258, an

amount of Rs.1 200/-, towards Document Handling Charges for the Document to be
registered on Document No. 5050 dated 31/10/2019 at the Sub Registrar office Joint
S.R. Karjat 2 of the District Raigarh .

Payment Details
Bank Name IBKL PaymentDate 31/10/2019

Bank CIN 10004152019103105806 REF No. 238187525

Deface No 3110201906728D Deface Date 31/10/2019

This is computer generated receipt, hence no signature is required.

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GRN MH007837419201920E IBARCOOE lllllllnlllllllllllllllUlllllillllJIJIIIIIRIII I Date 31/10/2019-15:30:25 1Form ID 25.2

Payer Details
Department Inspector Genural Of Roglstrat,on

Stamp Duty TAX ID {If Any)

Type of Payment Registration Fee

PAN No.(lf Applicable) AQPPP1766R

KJT_KARJAT SUB REGISTRAR Full Name KALPESH MANUBHAI PAREKH

Office Name

Localion RAIGAD

Year 2019-2020 One Time FlaUBlock No. FLAT NO 403 4TH FLOOR BUILDING NO 10

Premises/Building PHASE2

Account Head Details Amount In Rs.

SAi MORESHWAR COMPLEX VILLAGE

0030046401 Stamp Duty 205700.00 Road/Street
VANJARPADA TAL KARJAT

0030063301 Ro~istration fee 30000.00 Area/Locality DISTRAIGAO

Town/City/District

PIN
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Remarks (If Any)

PAN2=AODPK4025J-SecondPartyName=KALBEHAIDER BASAR ALI-

Amount In Two Lakh Thirty Five Thousand Seven Hundred Rupees

Total 2,35, 700.00 Words Only

Payment Details IDBI BANK FOR USE IN RECEIVING SANK

Cheque-DD Details Bank CJN Ref. No. 69103332019103113~08 238164990

Cheque/OD No . Bank Date RBI Date • 3i/10/2019-15:31 :16 Not Verified with RBI

Name of Bank Bank-Branch

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JOBI BANK
.
Name of Branch -Sc:rnll No ,, Dale with s cron'
.
Not V.erified

Department ID : . ' Mobile No . : 9325659258

NOTE:- This challan is valid for document to be registered in Sub Registrar office only. Not valid for unregistered document.
~ 'uFJol <mroo~ f.lriom cm~ ~ d\i'.,Jd<IJ'c'41 ~ " · .m~i. v1r~
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 Department of Stamp & Registration, Maharashtra

Receipt of Document Handling Charges

PRN 3110201906726 Date 31/10/2019

Received from KALPESH MANUBHAI PAREKH , Mobile number 9325659258, an amount of

Rs.1200/-, towards Document Handling Charges for the Document to be registered(iSARIT A)
in the Sub Registrar office Joint S.R. Karjat 2 of the District Ra igarh.

Payment Details

Bank Name IBKL Date 31 11 012019

8ankCIN 10004152019103105606 REF No. 238187525

This Is computer generated receipt, hence no signature is required.

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CHALLAN
MTR Fom, Nu mber-6

GRN MH007837419201 920E IBARCOOE ll l!lll llllllllllll lll lflllllllll lll lllllllllllll I D at e 31/1 0/201!>-15:30:25 1Form ID 25.2

Payer Details
Department Inspector General Of Registration

Stamp Duty TAX ID (If Any)

Type of Payment Registration Fee

PAN No.(lf Applicablo) AOPPP1766R

Full Name KALPESH MANUBHAI PAREKH

Offi ce Name KJT_KAR JAT SUB REGISTRAR

Location RAIGAO

FlatJBlock No. FLAT NO 403 4TH FLOOR BUILDING NO 10

Year 2019-2020 One Time

Premlses/Bulldlng PHASE 2

Account Head Details Amount In R5.

SAi MORESHWAR COMPLEX VILLAGE

0030046401 Stamp Duty 205700.00 Road/Stree t
VANJARPADA TAL KARJ AT

0030063301 Registration Fee 30000.00 Area/Locl!lity DIST RAIGAO

Town!Clty/Dlstrlcl

PIN
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Cheque-DD Details Bank CIN Ref. No . 681 03332019 103113808 238 184990

Cheque/DD No. Bank Date RBI Date 31/1012010-15:31: 16 Not Verified with RBI

Name of Bank Bank-Branch IDBI BANK

Name or Branch -Scroll No. , Date Not Verified witil Sq oll

Department ID : Mobile No . ; 9325659258

NOTE:- This ch-allan is valid for document to b o registered in Sub Registrar office only. Not valid fo r unreglstcrod document.
m~ 'clml U:rdro 'i?ZTal f.tiuir, ffiRIIFm17.r ;;m;ufi ~ ~@R;!Ji3l FmJj ,1lffi • .fui'Uft <'I ~ 6 ] ~ l".'c tlc'm FITilJ
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Sr. No . Remarks Def,1co1nont No Defacement Date Userld

(iS)-54 3- 5050 000403 1034201920 31 / 10/2019-15:55:36 IGR149

Page 11 Pr int Date 31-10-201 9 03:58:44

GRN : MH007837419201920E Amount 2,35,700.00 Bank : IDBI BANK Date : 31/10/2019-15·30:25

2 iS -543-5050 0004031034201920 31/10/2019-15:55:36 IGR149 205700.00

Total Defacement Amount 2,35,700.00

Print Date 31-10-2019 03:58:44

Page 212

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. STAMP s. DATE OF RECIEPT OF !'LAN

SCHEDULE OF DOOR WINDOWS

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DESCRf PTION OF PROPOSAL & PROPERTY

PROPOSED IlUILDING ON PLOT DEARING

OLD S.N0.66,H.N0.2 & NE\.Y S.N0.15,1-LN0.2,
AT VJLLAGE-VAN.JARPADA
TALUKA - KARJAT,DJST-RAIGAD.
FOR:,- MIS.SPACE LANO DEVELOPERS
MR.KALDE HAl'DAR llADARALI
(OWNER & P.0.A.11.)

SIGN. OF OWNER SIGN. OF AHCII. PLANNER

.IOU N<>. ,. DRG NO. I DAT£ I C llf:CJ.:EO nv I DllA,vr-i HY

UllSl I OIJ I 0?/0812016 I U.'-LAJI I ~IIRl ..c;;-l'-7Y
NAME & ADOR£SS OF A:RCJllTECTURAL PLANNER
A & K ASSOCIATES
ARCJJlTECTUH.AL PLANN'EIUSUPERVISOn
305, •n• WING, 2ND FLOOR. NIRMAN Vll!All.
NfRMAN NAGARl,. NEAR NERAL RLY.STATION.
NERAL .TAL.KARJAT,OlST.H.AlCAD.
J\1Qfl. NO, -98 .z210879S
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Maharashtra Real Estate Regulatory Authority

REGISTRATlON CERTIFlCATE OF PROJECT
FORM'C'
(See rule 6(a)J

This registration 1s granted under section 5 of the Act to the following project under project registration number :
P52000007l38
Ptofoct: Sal Moroshw,r, Plot Buarlng I CTS I Survey I Final Plot No.: 1512 at WanjMpada, Karj•t, Ralg-arh, 41t1101;

1. Spa co Land Developers having its ragisteroel office J principal place of business at Tehsil: ~ t District: Rafgarh.
Pin: 410101 .
2. This registration Is granted sob-jecl to the following conotions, namely:•
~ Tho promoter sh:ail enter Into an agreement for sale with lhe alloliees:
~ The i>romotar shall execute and register a conveyance deed In favour of the allottae or tho association of tho
allottoes. as the c:.ase may be. of the apartment °' the common areas as par Rule 9 of Maharashtra Roal Estate
(Regulation and Developm&nt ) {Registrahon ot Real Estate Projacis , Registration of Real Estate Agents, Rates
or lnt&<est end Disclosures on Website ) Rules, 2017;
·, The promoter shall deposit saventy p&rcant of the amounts realised by the promoter ln a separate awounl to bo
mainl.Blned In a schedule bank to cover the cost of construclioo Bnd tna !and cost to be us-ad only for that purpose
as per sub- dauw (D) of clause (1) of sub-section (2) of section 4 read with Rule 5:
OR
Thal ontirn of the nmounts lo bo reahsod t,eroinafter by promoter for the real estate proj aci from lhe allolloos.
from ume to time. shall be deposi1ed in a separate account to be maintained in a schsduled bank to cover lho
cost of construction end the land cost and shall be used only for that purpose. since the eslimale<J receivable of
the project is lBSs than the estimatod cost of completion of !ho project.
., T fl Roglstraoon shall be valid fOI' a pen()(! commencing from 17/08/2017 and ending with 31/1212019 unless
. renewed by the Mnherashtra Ro.al Estato Regulatory A uthority In accordarwe with section 5 of tho Act reed with
rule 6.
" The pcomoler shaU comply with th5 provisions or the Act Md the rulos and rtl{lulations mado there under.
" That the promotar shall take all the pending appl'O'lals from the competent alJthoclties
3. If the above mentioned conditions are not. fulfilled by ihe promoter. the Authority may take nece&sar; action against tho
pro moter Including revol<Jog 1.ll11 registration granted heroin, as per the Act and the rules and regulations made there
under.

Dalod: 17108/2017 Signature and SBlll of the Authortzed Officer

Ptar,e: Mumbai Maharashtra Rea! Estat:11 Regulatory Authority

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Page 1 0 / 1 SAAITl\llEl'ORTS VEnSlON ' He

 Room No. 101. Ground Floor.
"Prabh~r Darshan Apt.".
A . P. Dukare Behind Oivya Deep Hotel.
Khanda. NERAL. Tai. Karjat.
B.A., LL.B. Cis t. R.aigad. Pin• 410!01.
A[ v'o cATE HIGH COURT . Mob . : 9881279B17
MAH 3912001

Rel. No ..... ............................ ..

RQQort regard;ng the title of the following persons in respect of Agricultural land
property siiuate at village Vaniarpada. Tai. Karjat. Dist. Raigad and more
particularly described as below :-
1) The description of the Agricultural lar.d property situate at village Vanjarpada,
Tai. Karia!. Dist. Raiqad
! Name of Owner I S.No. I H.No. i Area H.R.A.
I
IAsst.Rs.P.
i i) Kalabe Haidar Babara Ii
15 2 1-32-0
. 11=44
j 2) Maruti Baiu Gaikwad I
The above mentioned agriculturni land property including all rights and interest
therein.
I have investigated the title of abovesaid person with respect to above mentioned
land property. In this regard I have perused the following :;!!.:~=~:.:.'. were
!
fl;rnished to me for my investigation .
2) The details of the documents perused :
a) 7/12 extract relating\ to above descrrbed land p
b) Index II Registers for'the year 1982 to July 201
3) The Flow of the title of !and property.
Mutation extract no.60 of dated 04 .09 .1990
On perusal of mutation extract no.60 it is transpire
Kahare was expired prior for 1 to 1½ months lo 04.09.1990 leaving behind his son
1) Shripat Maruti Ka hare 2nd daughter 2) ·Jijabai Padu Dig he were the legal heirs.
There was no wife. So their names entered into the revenue record vide M.E.no.60
which 1.vas sanctioned by Circle Inspector Neral on dated 11 .10.1990

•··
 Room No. 101. Ground Floor,
"Prabhat Darshan Apt.·.
A P. Dukare Behind Divya Deep Hotel.
l<.handa. NERAL. Tai. Kaljat.
B.A., LL.B. Dilt. Raigad. Pin- 410101.
A[ VOCATE HIGH COURT . Mob . : 9881279617
MAH 89 / 2001

Date : ....~..
?.::1..1.J?.::>.\.2..............
Rei. "lo . ....................................

"2 -
Mutation extract no.61 of dated 07.12.1990
On perusal of mutation extract no.61 it is transpired that price or above said
land property of 32G . was fully paid by ten ant Maruti Hari Ka hare of 1) Krushna
Ganpat Virle 2 ) Jayram Ganpat V1rle 3) Bapu Ganpat Virle . So the mortgage of
above said la nd property was deleted by 32M Certificate no. TNC/659 on dated 24-
04-1990 from other rights The vide M.E .no.61 which was sanctioned by Circle
Inspector Neral.
Mutation extract no.207 of dated 02.07.2008
On perusal of mutation extract no.207 it is transpired that above said land
property of the name of Shripat Maruti Kahare by Hakksod Patrak between Shripat
Maruti Xahare and Jijaba i Padu Di;ihe on dated 02.07. 2008 vide M.E.no.207 which
was sanctioned by Circle officer Neral on dated 17.07.2008
Mutation extract no.266 of dated 03.11.2011
On perusal of mutation extract no.266 it is transpired that above said land
property was purchased by 1) Kala be Haidar Babara Ii 2) Maruti Balu Ga ikawad
from Shripat Maruti Kahare through their power of attorney holder 1) Kalabe Haidar
Babarali and 2) Maruti Balu Gaikwad by sale deed on dated 03.11.2011 by Sale
\
permission nc.Tenancy/SRNR/1036/2011 (Non .Agri.) on dated 12.10.2011 from
Divisional officer Panvel. The effec . of the above sa id sale was given to 7/12 extract
v1de M.E.no.266 which was sanctioned by Circle officer Nera i on dated 12.12.2011
Thus above said persons have become the owners of above mentioned plot
property and are in exclusive possession of the same.
 Room No. IOI. Ground Floor.
"Prabhat Darshan Apt.".
A . P. Dukare Behind Dlvya Deep Hotel.
Khanda. NERAL. T~I. Karjat.
B.A., LL.B. Dist. Raig11d, Pin • 410!01 .
Al VOCATE HIGH COURT Mob . : 9681279817
MAH 89 / 2001
. 2Jl---! I \,:1-0\.9>
Date . ....................................................... .
Ref No . .... ..................................

I !

-3-
On perusa.1 of a copy of Registered Development Agreement of dated
12.07.2012 it is transpired that the above said land owners have executed a
developme1;t agreement which is registered at office of Sub Registrar Karjat as its
Sr.No.4883/2012 on dated 12.07 .2012 in favour of Space Land Developer, Owner
Kalabe Haider Babarali and thereby transferred all the Development rights and all
the rights relating to sell con vey, transfer the flats , shops, offacies and commercial
units as the said space Land Developer deem fit.
Year Particulars of Index II Entry
reQister -
1982
1983 ---
1984
1985 ----···--
I
! 1986 l
_: NIL
1987 NIL
1988 I Nil
1989 Nil
I 1990 NIL
1991 NIL
1992 I I NIL
1993 i Torn Condition NIL
1994 ' NIL
1995 I NIL
1996 NIL
1997 · NIL
1998 NIL
I 1999 NIL -
2000 NIL
2001 I NIL
2002 NIL
I 2003 l I NIL
 Room No. 101. Ground Floor.
"Prabhct Darihan Apt.".
A. P. Dukare llehind Divya Deep Hotel.
l<.handa, NERAL. Tai. Karjat.
B.A., LL.B . Dist. Raigad. Pin• 410101.
Al ,v.OCATE HIGH COURT .
Mob . : 9881279817
MAH 89 / 2001

Rei No ............. • ·· ··· · ······--··

•4-

II Year I Particulars of Index II Entry

I
1
! reaister ·
2004
2005
2006
2007
1 2008 NIL
2009 NIL
2010 NIL
2011 Sale Deed Nil
>---
2012 _Oevelooment Aareement NIL
j 2013 Comouterized NIL
On going through the above described Index II registers which were made
available to me in sound and good condition:;. I did not find any entry of any kind
such as mortgage, lease, li<?n. sale. gift, agreements for sale or of any
encumbrance which is a.dverse to the title of above said persons with respect to
above described land property except the entry of Development Agreement
Sr No.4883/2012 of dated 12.07.2012
Search Rep ort :-
On the basis of above discussion and ;,erusal of above described documents
which were funisJ-ied to me for my inspection I am of the opinion that tlie title of
abovesaid persons namely 1) Kalnbe Haidar Babarali and 2) Maruti Balu Gaikwad
in the registered development agreement sr.no.4883/2012 executed by Kalabe
Haider Babarali & Maruti Balu Gaikwad in favour of Space Land Devlopers
proprietor Kalabe Haider Babarali on dated 12.07.2012 is clear, marketable and
free from all encumbrances.

Neral
Dated 22/01/2013
 A P. Du k are
I

B.A., I L B J • •
G ., .
Room No. 101. Ground Floor.
•r,,bhotO,nhooApt.".
Behind Divya Deep Hotel.
Khanda, N€RAL. Tai. l<.arjat.
Dist. R.?ilgad. Pin· 410101.
Al ,v·o cA TE HIGH COURT Mob . : 9881:Z79817

_ ::=~MAH~~8~9~/~'l~OO~l:.:=:=:=:=============:;::================;L~o.-\~~\\~O-tZJ~~l.,.S~==:
Date : ..........,.............................................
Ref No . ..................................... ..

TITLE CERTIFICA.TE
TO WHOMSOEVER IT MAY CONCERN

This is. to certify that on the basis of Search Report dated

22/01/2013 the titles of Kalabe Haider Babarali and Maruti Balu
Gaikwad with respect to Agricultural land property bearing S.No.15/2
. .
situated at Village Vanjarpada, Tai. Karjat, Dist. Raigad in my opinion
Subject to Terms and conditions contained in the Registered
Development Agreement Sr.no.4883/2012 executed by Kalabe Haider
Babarali & Maruti Balu Gaikwad in favour of Space Land Developers
proprietor Kalabe Haider Babarali on dated 12.07.2012 are clear,
marketable and free from all encumbrances.

Neral
Date : 22/01/2013
 .. 't •

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 Hero Housing
Finance

Ref. No. HHFL/AUG-24/26R Date-21-Aug-2024

To

1. KALPESH MANUBHAI PAREKH

D AND G ENTERPRlSES SHOP NO 7
PK PALACE BHOOMI ACRESWAGHBIL
GB ROAD THANE, MAHARASHTRA-400615
--. Mob. No. 8369885151

2. KALPESH MANUBHAI PAREKH

FLAT NO. 602, 6TH FLOOR
BUILDfNG NO . 11, KRISHNA GREEN LAND PARK
GHODBUNDER ROAD OPP JAIN TEMPLE
NEAR SANJOG HOTEL THANE, MAHARASHTRA-400615
Mob. No. 8369885151

3. KALPESH MANUBHAI PAREKH

FLAT NO.403 , 4TH FLOOR, WING C,
BUILDING NO.10, PHASE-2,
SAI MORESHWAR COMPLEX, VANJARPADA
TAL KARJAT, RAIGARH, MAHARASHTRA-410101
Mob. No. 8369885151

4. MEENA MANUBHAI PAREKH

FLAT NO. 602, 6TH FLOOR
BUILDING NO. l l, KRJSBNA GREEN LAND PARK
GHODBUNDER ROAD OPP JAIN TEMPLE
NEAR SANJOG HOTEL THANE, MAHARASHTRA-400615
Mob No. 9769583399

5. MEENA MANUBHAI PAREKH

FLAT NO.403, 4TH FLOOR, WING C,
BUILDING NO.10, PHASE-2,
SAI MORESHW AR COMPLEX, V ANJARP ADA
TAL KARJAT, RAIGARH, MAHARASHTRA-410101
Mob. No. 9769583399
rcr · :,.rol'.c·J':,;r rir~ ~ ..

~:;.~,~~du:~~~:,:~:~io:~~~;ty Ceo BasaotLok.

tee Vasaot Vihac,
Toll Free No .: 1800 212 8800. Email: customer.care@herohO.com
New D,lh, - 110057 .' '· •;i . • c ' O•. ::r /, ~
Website : www.herohousingfinance .com I CIN . U65192DL2016PLC30 1481
 Hero Housing
Finance
Please ignore our earlier Demnnd Notice dated 29 July 2022 with reference No. HHFL/JULY-
22/35 which is herebv immediately recalled. Further please treat /consider this Demand Notice
U/s 13 2 of the Securitization and Reconstruction of Financial Assets and Enforcement of
Security Interest Act, 2002 as a fresh .

DEMAND NOTICE U/S 13(2) OF THE SECURITISATION AND RECONSTRUCTION OF

FINANCIAL ASSETS AND ENFORCEMENT OF SECURITY INTEREST ACT, 2002
(SARFAESI ACT, 2002), READ WITH SECUIUTY INTEREST (ENFORCEMENT) RULES,
2002, AS AMENDED FROM TIME TO TIME.

1. That our Company, Hero Housing Finance Limited (hereinafter referred to as "HHFL") is a
I Housing Finance Company duly incorporated and registered under the Companies Act, 2013,
having its registered office at 09, Community Centre Basant Lok, Vasant Vihar, New Delhi
- 110057. HHFL is also duly registered with the National Housing Bank, do hereby serve
upon you the following demand notice 1J/s 13(2) of the Securitization and Reconstruction of
Financial Assets and Enforcement of Security interest Act, 2002 (hereinafter referred to as
the "Act").

2. That you, the Addressee(s), desirous of taking financial assistance, had approached HHFL,
and sought financial assistance in the form of Home Loan/ Loan Against Property. It was
represented that you, the Addressee(s) have sufficient means to repay the proposed financial
facility.

3. That based on the representations given by you all, the Addressee(s) to be true and correct,
HHFL had agreed to grant financial facility of Rs.20,00,000/-(Rupces Twenty Lakh Only)
vide Loan Account No. HHFV ASHOU20000007239 and Rs.1,00,254/- (Rupees One
Lakh Two Hundred Fifty Four Only) vide Loan Account no. HHFVASIPL20000007277
[hereinafter referred to as "Financial Facility"] to you, the Addressee(s) in form of Home
Loan/ Loan against Property vide Sanction Letter dated 23-Jan-2020 jointly for both loan
accounts.

4. Pursuant to the sanction of the aforesaid financial facility, we have disbursed the said Loan
to you after you have executed the Loan Agreement. The details of your Loan Amount and
security interest created for the loan are as under:

LOAN ACCOUNT NO. HHFV ASHOU20000007239 & HHFV ASIPL20000007277

Sanction Amount Rs.20,00,000/- & Rs.1,00,254/- respectively
Loan Agreement Date 30-Jan-2020
Total Disbursement Amount Rs. 20,00,000/- & Rs.1 ,00,254/- respectively

Hero Housing Finance Ltd. _

Registered Address: 09, Community Centre, Basant Lok, Vasanl Vihar, New Delhi - 110057
Toll Free No.: 1800 212 8800, Email : customer.care@herohn com
Website: www.herohousingfinance com I CIN: U65192DL2016PLC301481
 Hero Housing
Finance

Equated Monthly Rs.20,636/- & Rs.1,034/- respectively

installments (EMl)
Rate of Interest (RO[) 11.00% per annum floating for both Loan Account
Tem1 of Repayment By 240 Equated Monthly Installments (EMis) for both Loan
Account commencing from 08/03/2020 and 08/02/2020
respectively (Repayment commencement date)
Particulars of Secured Asset Mentioned in below Schedule-A.
/ Mortgaged Property for
securing repayment of loan
and other related dues

5. Consequent to the default committed by you, the Addressee(s) towards repayment of loan
amount and aggrieved by callous and negligent conduct of you, the Addressee(s) for non-
payment of the EMis, HHFL was constrained to classify your account/loan facility as Non-
Pe1forming Assets (NPA) on 08-07-2022, in accordance with the directives/guidelines issued
Iv by the Reserve Bank of India.

6. Therefore, HHFL, calls upon you, the Addressee(s) under Section 13(2) of the Securitization
and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 to
discharge your outstanding liability, you the Addressee(s) are jointly and severally liable to
pay a sum of Rs.2582791/- (Rupees Twenty Five Lakh Eighty Two Thousand Seven
Hundred Ninety One only) due as on 21-Aug-2024 within Sixty (60) days from the date
of this Deman cl Notice. Please note that you the Addressee(s) are also liable to pay the future
interest at the contractual rate on the aforesaid amount together with the incidental expenses,
cost, charges, etc, payable as on the date of the actual payment. Details of the outstanding
amount as are provided in "Schedule-B" of the present Demand Notice.

7. Jn case you, the Addressee(s), fails to repay the to tal outstanding amount as explained in
Schedule-B, within Sixty (60) days to HHFL, HHFL shall be constrained to exercise all or
any of the rights available under sub-section (4) of Section 13 of SARF AESI Act, 2002 or
any other applicable provisions of SARF AESI Act, 2002 or under the provisions of any other
Act, as applicable from time to time.

8. Furthe1more, you the Addressee(s) are also put to notice that in ten11S of sub-section (13) of
Section 13 of SARF AESI Act, 2002, you, the Addressee(s) shall not transfer by sale, lease
or otherwise, any of the secured asset or property mortgaged to HHFL without obtaining
prior ,,vritten consent of HHFL. Needless to mention that non-compliance of the statutory
restraint as mentioned above is an offence and would attract penal provisions provided under
SARF AESI Act, 2002.
'
for Hero !-'

Hero Housing Finance Ltd.

Registered Address : 09, Community Centre. Basant Lok, Vasani Vihar, Nevi Delhi - 110057
Toll Free lfo.: 1800 212 8800. Email: customer care@herohfl.com
Website: wv1W.herohousingfinance.com I CIN : U65192DL2016PLC30 1481
 Hero Housing
Finance
9. The present Notice is being issued without prejudice to any rights, contentions or remedies
which may have accrued or may in future, accrue to 1-IHFL.
Yours truly,
for HERO HOUSING FINAN~ 1
_L,f~DJFp_/ " ... ·
AUTHORISED OFFICER< \-' . h ,u~ ~
Office at: Building No. 07, Community 'enter, nasantLok, Vpsant Vihar, New Delhi- 110057.
. . •,r I Scli•edttle - A
ALL THE PIECE AND PARCEL OP THE FLAT NO.403, 4TH FLOOR, WING- C, BUILDING
NO.10, PHASE -2, SA1 MORESHWAR COMPLEX, SURVEY NO. 15, HTSSA NO. 2,
VANJARPADA, TAL-KARJAT, RAIGARH, MAHARASHTRA, HAVING CARPET AREA 577

• SQ. FEET.
Bounded by-
North - Open plot;
East - Residential building;
South - road ;
West -Open Plot;
SCHEDULE-B
KALPESH HHFVASHOU20000007239 HHFVASIPL20000007277
MANUBHAI
PAREKH

Principal Outstanding 1778476.00 100722.00

Pending EMJ 392167.00 1158.00

Interest on 19680.00 1115.00

Termination

Foreclosure Charges 0.00 0.00

@0.00% on
outstanding Principal

Late Payment Charges 113336.59 1713.65

Cheque Bouncing 85611.00 79903.00

Charges

Other Expenses 4506.00 4402.00

Ref1mds 0.00 0.00

TOTAL as on 23~3:777.00 189014.00

21/08/2024

Hero Housing Finance Ltd.

Registered Address . 09, Community Cen tre , Basani Lok, Vasan t \/ihar, New Delhi - 110057
Toll Free No.: 1800 212 8800, Email : customer.care@herohfl.com
Website: vNtW.herohousingfinance .com I CIN . U65192Dl2016PLC301481
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fcwVAI.SOJ(IIOUSTitf.SUITED PIKt: ........ f•r Shlr,111 hnl'ilils U.itl•
UC Housing Finance Ltd. Mt. S--.iiN. 11.....
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Badl Office: •Jeevan Shren~. 1109, University Road, C.11tpa11JStcttb1Y&Comllliam:eOllictt

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.. Shivaji Nag.n,, Purio • 41101 6, M~harastitra.
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Under Section 13 (2) o r the Seculi1iialion & Reconstruction of Flnanci~I Assa ts ind
ENERGY DEVELOPMENT COMPANY LIMITED
Enforcement of Security Interest Act 2002 (SARFAESI Act) read wit h Rule 3 (1) of the Security

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Inte rest (En for cement) R ules. 20 0 2]
the undersiqna.:J ~ lt18 klfhoriHd Officer ol LIC HOUS ING FIN ANCE LTD (LICHFL) undet'
Seai,iti-sat,on & Rl!Wl'lt:truclion of r 11\andal /\ssel!i and Enforcemenl ol Securit~ lfiteiHIAcl 2002 & in ex11,cise
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CIN• US110KA199SPLC01700J
Regd. Office: Harang! Hydro Electric Protect. Vlll&g• Hutugunda_ Taluka,. Somawarpet, Dis1rict• Kodagu, Kamat11b- 571 2ll
E•mall: edclc,l@edclgroup.com; Website: www.edclgroup.com
ol no-l'l'cr5r.nrtlcred IJOOCr Section 13 Ill) read with Rule J of !he Sccu:i!)' Interest (E"n!oloomcnt) RtJles, 2002
Extract of the Unaudited Standalone and Consolidated Financial Results for the quarter ended 30-06-2024
__
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Issued OerTIMd Notices , undlff 5ect,on 13 (2) o! Iha said Act. Cllling upon the COl"ICel'l'led Borrower's t
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Guara<1tors to repay lt18 ilf'lQUf1ts mentioned'" the 1especl!Y8 No!i(;ff: within 60 da)'1 from the dale of ttie
tr!r,iM!ctr~e NDlire5. H pe,- delailtl giY@fl ht:low For various reasons this notices COl.lld tlOI bo se,ved 011 the
eo,,cemed ~prope,fy ~ l n l ! Y s Co;-rles ol lhese Noticfl are avall.,1>111 with the
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(217.201 {16102)
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Sr. Mamo of co1Hspondence Panlcutars ol

Date o f
' penx1¥U"a!'.«tnandotie!~""'111bt-.l)etl0d/yea.rw..cl1&1.J (1!H66) (2A5.71} (217.201 (179.17) (Ai:i.~) (517751 (16102) (22tl24)
No AddrHI ol 8 0fTOW,rs M0r1gage Property
Demand AtnOll"t
o.manded
s Pitid--""E~st.arecap,lal(f"ace\"Molfu.. t0eactli ,.1~.00 ◄ .750.00 USO.CO • .750-00 4.JS0.00 4.75000 USO.DO U50.00
Notice 1un.n
1) Mr. Hen111"tR•gtnmathRule,
1,1($., Olp,111i Hem1n1 Rule
Flat no. 20. Fifth FIOor, "Mah&laxml
Gartiorl•,s, no 60/1/1,Pbtr,o.27.
19.'07/202• 22 67.636.78 ' Other8CIUi(y
1 Eamng,parstas(F1a1...._olRI.IOe«:h)
S.36962

Loan No • 62110000565' Gar,gaput, T&l. NMhrk. ();stNaahi: Basc{Rs) 1041) (0.511 {0.48) (037) . (0.10) {Ul8j (034) i0.46)
2) Mr.AbhlsMkSharad 8 hoy1r Flm 110 37, Tenth Floor. Building 19/07/2024 41 ,l•,76582
Dluted\R.1.) 10 • 1) (0.51J (0.•61 - no.,o (0.10) (I.OftJ (034) (0.'6)
MIi. Rashml S1.tf"ffh Kadu AqUilll"l8Pne, "Mmofs Nayantara

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Loa" No . 6 21 200011017 Gold"'. s,. no 90511 • 211 0, Na&hill
City, Tai. Nr.$h,k. Oi$1 Nashill;. 1 TheUNl.ldilodstarldab-reandronsoiilllldf,r.a'IClllfres..l\solt;eC01111M'fblhl!l~endedl().,16.202<1hf> iloAlctC<m-nille!!andlleleall.efappmwl(lt,yt.eBoiwdol~

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If ltle concemed Bono,N9R 11\911 fal lo male ~ to UC Houli19 Finance Ltd as alorelald. then the LIC
inm~ll1Nbr95heidc-i23-06-2024.
Housing FnlM"a Udatmfl proceedepainst lhaabovt, secure<! as-sets uridef Seaion 13 (4iofU111Act and the
a;,pllt.Mle'R~ r.r.brcly eltho~o! theror,cemed Bornr"IOl'S lolheeo!!t'landCXlflsequer,cell
TheconoemedBorrowers-~bylheSAAFA.ESIA.d!Olfafl1,f,&rlhe&IOftw1id11ssets, 'NMtherbyway ~ Reds «-J~202•we~mh&n~
of s.,le lease or olhufwise wilhout tne prior wrir.en consern of the LIC ►lousm,g Finance Lid. Nryconttaventioli
.....-: F.OR ANO Off BEHALF OF TllE BOARD OF otREC TORS OF
nlth<lpmYll,iclnsnlllleSAA FAESlAdwillfenMfthf!borroWmsf'ffPOMib1elorthaoffenc.11iahl810punistvrwtnt
✓ ENERGY OEVELOl'MENT COMPANY LIMITED
end:orpenalty., .,:;,oordance....U1 theSARFA.ESIAcl
Oate : 24.09.2024 Sdl-AuthorizedOfficer
~'.:r~f== :lo_;:;~ ,, SATYfNDRA PAL SINGH
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LIC Housing F~nce Ltd. Wl10LE TIM0
Pl,ce : Pune
 "4"'-f.n,t"'oll,--illl~.<111-.n.~-.- lli'otkt hl'.n!b)• 3h-tn that the ID
NO: 1J0517J of Mr, Sandttp
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 BEFORE THE CHIEF MAGISTRATE COURT
AT RAIGAD- ALIBAUG
SECURITIZATION APPLICATION NO- / 2025
(Under Section 14 of the
Securitization and Reconstruction of
Financial
Assets and Enforcement of Security
Interest Act, 2002)

HERO HOUSING FINANCE LTD .

... Applicant

Versus

KALPESH MANUBHAI PAREKH & ANR

... Respondents

APPLICATION UNDER

SECTION 14 OF SARFAESI

ACT

Dated this day of , 2025

Advocate Drashti Sethia

Advocate for the Applicant
602 ,6th Floor, Raj Chambers,
Manchubhai Road, Malad (East) ,
Maharash tra-400097