Application No: 3636458464571016A
InCred Financial Service Limited
Unit No.1203, 12th Floor, B wing, The Capital Plot No.C-70, G Block, Bandra Kurla Complex, Mumbai, Maharashtra 400051.
Tel: 022 4097 7000 | email: care@incred.com | www.incred.com
CIN: U748990LI99IPTC042586
Source Details
Date of application Sales Manager
0 8 0 8 2 0 2 5 maruthi.prasad@incred.com
Source Branch Source Channel Source Name
Bangalore DSA MUMBAI - ANDROMEDA SALES AND DISTRIBUTION
Product Program Scheme Amount
LAP Fixed Banking Credit ₹ 1,00,00,000
Loan Tenure Purpose of Loan Loan Type
120 months Balance Transfer BT + Top Up
Primary Applicant Details
Please get the photo cross-signed by the customer
Primary Applicant Type Name Of Applicant DOB
Individual USHARANI MH 0 3 0 3 1 9 8 2
Gender Aadhar Number
Female * * * * * * * * 1 8 7 3
Permanent Address Pincode
GF-003 Thindlu, Drateek'S Dharni Enclave, Vidyaranyapura - 560097, Bangalore North, 5 6 0 0 9 7
Bangalore, Karnataka, India
Is the Permanent Address same as the Current Address?
Yes
Signature of Applicant Signature of Co-Applicant(s)
Page 1
Application No: 3636458464571016A
Employment Type Mobile Number
Self Employed 9 0 3 6 8 2 2 0 1 8
Email ID PAN
omkarnew.9@gmail.com A B V P U 9 2 2 4 A
Business Details
Business Name Nature of Business
MS VINAYAKA PHARMA Services
Industry Sub-Industry
Medical Distributer Medical Distributer
Designation Total Industry Experience(Years) Shareholding(%)
Proprietor 10 100%
Business Address
NO.1/7/06,GROUND FLOOR,DODDABOMASANDRA,5TH CROSS ASHWATHAMMA GARDEN,VIDYARANYAPURA MAIN ROAD,
Landmark Pincode
BANGALORE VIDYARANYAPURA 5 6 0 0 9 7
Co - Applicant Details
Please get the photo cross-signed by the customer
Co-applicant type Name of Co-Applicant DOB
Secondary Individual OMKARAPPA K MANJUNATH 1 1 0 6 1 9 8 0
Aadhar Number Gender
* * * * * * * * 0 0 1 8 Male
Signature of Applicant Signature of Co-Applicant(s)
Page 2
Application No: 3636458464571016A
Current Address Pincode
GF-003 Thindlu, DRATEEK'S DHARNI ENCLAVE, VIDYARANYAPURA -560097 , Bangalore 5 6 0 0 9 7
North, Bangalore, Karnataka, India
Is the Permanent Address same as the Current Address? Email ID
Yes omkarnew.9@gmail.com
Mobile Number PAN
7 0 1 9 6 5 9 2 6 5 A S J P M 8 6 9 1 A
Reference 1 Details
Reference Type Name
Colleague KAMALA
Mobile Number
8 9 8 8 8 7 8 7 8 7
Address Line 1
BANGALORE
Reference 2 Details
Reference Type Name
Friend LAKSHMI
Mobile Number
8 9 8 9 8 7 6 8 7 8
Address Line 1
BANGALORE
Property Details - 1
Property Type Name Of The Property Owner
Residential OMKARAPPA K MANJUNATH
Relationship Between the Property Owner & USHARANI MH Name Of Contact Person
Husband OMKARAPPA K MANJUNATH
Signature of Applicant Signature of Co-Applicant(s)
Page 3
Application No: 3636458464571016A
Mobile Number To Contact Plan Approval Available?
9 0 3 6 8 2 2 0 1 8 NO
Municipal Limits Completion Stage Land Area Built-Up Area
No Ready to use 2496 sqft 2342 sqft
Estimated Market Value
₹ 2,00,00,000
Pincode Locality/Area
5 7 7 1 1 6 Birur (Rural)
House Number/Block/Floor District
Property No. 11, Unique No. 150900701100100016, Koratikere Village & Gramapanchayath, Chikmagalur
Ajjampura Hobli & Taluk, Chikkamagaluru District
Property Details - 2
Property Type Name Of The Property Owner
Residential OMKARAPPA K MANJUNATH, USHARANI MH
Relationship Between the Property Owner & USHARANI MH Name Of Contact Person
Self OMKARAPPA K MANJUNATH
Mobile Number To Contact Plan Approval Available?
9 6 3 2 5 2 2 7 2 9 YES
Municipal Limits Completion Stage Land Area Built-Up Area
Yes Ready to use 320 sqft 1145 sqft
Estimated Market Value
₹ 1,00,00,000
Pincode Locality/Area
5 6 0 0 9 7 Bangalore North
House Number/Block/Floor District
Property Bearing Converted Sy.No.51 (Conversion Vide order Bearing No.ALN (NAY) Bangalore
S.R/221/13-14,Bangalore Dist.) Present BBMP Katha No.1558/51,Situated at Thindlu Village,
Yalahanka Hobli Bangalore North Taluk, Apartment Bearing No.003 GF (Dharani
Enclave)Now Khatha E-PID No.1401248083
Signature of Applicant Signature of Co-Applicant(s)
Page 4
Application No: 3636458464571016A
Bank Account 1 Details
Account holder Bank name
OMKARAPPA K MANJUNATH Hdfc Bank
Mobile Number Linked To This Bank Account Bank Account Holder Name
7 0 1 9 6 5 9 2 6 5 VINAYAKA PHARMA
Account Number
5 0 2 0 0 0 4 6 4 5 2 7 4 8
IFSC Code Account type Primary Bank Account
HDFC0001569 Current Yes
Bank Account 2 Details
Account holder Bank name
USHARANI MH Hdfc Bank
Mobile Number Linked To This Bank Account Bank Account Holder Name
9 0 3 6 8 2 2 0 1 8 USHARANI M H
Account Number
5 0 1 0 0 3 1 4 0 2 8 0 4 0
IFSC Code Account type Primary Bank Account
HDFC0001569 Savings Yes
Initial Processing Fee Details
Amount Paid Mode of Payment Bank Name
₹ 4,720 UPI Hdfc Bank
Branch name InCred Account Details
VIDYARANYAPURA Yes Bank - 026885700000224
Reference Number Transfer Date
109472494530 0 8 0 8 2 0 2 5
Signature of Applicant Signature of Co-Applicant(s)
Page 5
Application No: 3636458464571016A
General Terms and Conditions
1. I/ We am/ are have read, understood and agreed the terms and conditions of the Loan including the annual rate of interest and the
approach for gradation of risk and rationale for charging different rates of interest to different categories of borrowers adopted by
INCRED. I/ We understand that the identical products with identical tenor and availed during the same period may attract different
interest rates for different borrowers. Also the rates of Interest may be different for different categories of borrowers. I/ We understand
INCRED has its own model for arriving at lending interest rates on the basis of various (i) risks such as interest rate risk, credit and
default risk in the related business segment, (ii) based on various cost such as average cost of borrowed funds, matching tenure cost,
market liquidity, cost of underwriting, cost of customer acquisition etc. and other factors like profile of the borrower, repayment track
record of the existing customer, future potential, deviations permitted, tenure of relationship with the borrower, overall customer yield
etc. Such information is gathered based on the information provided by the borrower, credit reports, data sources and market
intelligence. I/ We accept the terms and conditions and agree that these terms and conditions may be changed by INCRED at any
time, and I/ We shall be bound by the amended terms and conditions.
2. INCRED shall not charge foreclosure charges/ prepayment penalties on any floating rate term loan sanctioned for purposes other than
business to individual borrowers, with or without co-obligant(s)/co-borrower(s).
3. I/ We authorize InCred Financial Services Limited (INCRED/ Lender/ IFSL) and its Group Companies, its agents to make references and
inquiries relevant to information in this application form as per their discretion. I/ We further declare and confirm that the credit
facilities if any availed by me/us with other banks and financial institutions/ companies have been disclosed herein above.
4. I/ We hereby agree and authorize INCRED and its Group companies to exchange share or part with any information, data or
document in relation to my/ our Application including Loan Repayment, Credit History or any default (if any committed by me/us) to
other financial companies, banks, financial institutions, credit information companies, regulatory authorities, statutory bodies etc. as
deemed fit INCRED or its group companies at their sole discretion.
5. I/We have no objection if INCRED or its Group Companies agents / representatives approach me to provide me/us information on
various products, offers and services provided by/ through them, through any mode (including without limitation through telephone
call/ SMS/ email).
6. I/We confirm that I/We have gone through the policy of INCRED in this regard published on its website. I/We declare that I/ We have
no recovery/ insolvency proceeding initiated against me/us. Further, I/ We have neither been adjudicated insolvent/ bankrupt nor
declared as willful/ non-cooperative borrower. Further, the funds shall be used for the purpose for which loan has been applied and
will not be used for speculative or antisocial purpose.
7. I/ We understand and agree that I/ We may be solicited for insurance by INCRED on behalf of its partner insurance company or by an
insurance company whom INCRED may refer me/ us to. If I/ We apply for insurance with any insurance company, then that would be
as per the Terms and Conditions of such insurance company and INCRED will not be responsible in any way for the same.
8. I/ We also acknowledge that there is no linkage between the loan and any insurance product solicited/ referred by INCRED and, also, it
is not compulsory for me/ us to take such insurance policy/ product to avail the loan. I/ We also agree that INCRED reserves the right to
retain the photographs and the documents submitted with this Application and will not return the same to Applicant/s.
9. I/ We understand that INCRED, at its sole discretion may reject this Application and it will not be responsible/liable in any manner
whatsoever to me/us for such rejection or any delay in notifying me/us of such rejection, of our application.
10. I/ We understand that processing fees and stamping charges would be deducted from disbursement or if paid up front the same
would not be refunded. Further, loan amount disbursed to me /us shall be subject to all statutory levies, taxes, deductions, as specified
by the regulators from time to time, shall be borne by me / us.
11. I/we confirm that I/we have read and understood the contents [the contents have been read out to me/us in vernacular language and
I/we have understood the contents (applicable only to applicants/ borrowers having knowledge in regional/ vernacular language
alone)] of the Application Form, Sanction Letter, Loan Agreement and other documents.
12. I am/ We are agreeable to the terms and conditions of the loan and Schedule of Charges which is available on the website of INCRED.
I/ We declare that all the particulars and information disclosed by me/ us to INCRED and/or given in the Application Form are true,
correct, complete, accurate and up to date in all respects and I/We have not with-held any such information whatsoever. Further, the
KYC and other documents provided by me/ us to INCRED are correct, complete, and up to date in all respects.
13. I/ We hereby share my/our CKYC Identifier to INCRED and expressly authorize and consent to INCRED to download CKYC records from
statutory authorities/registries for customer due diligence purposes and update the records. Further, I/We authorize INCRED to create
CKYCR Identifer, pull and update my CKYC records (as the case may be) from time to time as permitted under applicable laws.
14. The Borrower agrees that the IPF shall be non-refundable and shall be in addition to any other fees, charges, or costs associated with
the loan, unless specifically waived or amended in writing by InCred Finance. The Borrower acknowledges that the IPF is charged for
the Lender's costs and services in managing and processing the loan, and shall be paid without deduction. The IPF shall not be
subject to refund, reduction, or adjustment, unless agreed to in writing by InCred Finance.
Signature of Applicant Signature of Co-Applicant(s)
Page 6
Application No: 3636458464571016A
Self Attested Document Submission Letter by Customer
Date:
To,
The Manager
InCred Financial Services Ltd
Bangalore
Subject: Submission and Self Attestation of the Documents.
Dear Sir/Madam,
I/We, USHARANI MH residing at GF-003 Thindlu, Drateek'S Dharni Enclave, Vidyaranyapura - 560097, Bangalore North, Bangalore, Karnataka,
India have applied for the Loan/Credit Facility in the form of Loan Against Property with InCred Financial Services Limited (Formerly, KKR India
Financial Services Limited) having its Office address at ____________________________________________________________
Please find enclosed, the true copies of the following documents submitted with respect to my / our loan application.
I/We hereby confirm that the documents are genuine and are accurate photocopies of the original documents.
I/we hereby authorize the respective Sales Manager/Officer to collect the mentioned documents on behalf of myself/ourselves.
Name of the SM/SO Emp ID
Sagar G IMT000259
The below mentioned documents are submitted to InCred Financial Services Ltd. for the confirmation of the documents' authenticity from
my/our side. I/We undertake complete responsibility in respect of the aforesaid.
Sr Documents Tick Sr Documents Tick
KYC of
KYC- Self attested document and to be verified with
1 2 Company/Firm/Proprietorship/Partnership/Trust/Society/LLP–
originals (Applicant/Co-Applicant Guarantor)
Self-attested document and to be verified with originals
Audited Profit and loss and Balance sheet, ITR, Tax
3 4 Ownership Proof
Audit Report
5 Bank Statement 6 Signature Verification (Applicant/ Co-applicant/ Guarantor)
7 Stability proof 8 Repayment Track
9 VAT Return/ST/TDS/Excise 10 Trade License
11 Annual Return/Form 20 B 12 Purchase order/Contract copy
13 OD/CC Sanction letter 14 Welcome letter
In case any documents other than above documents are submitted, please specify details of the same here below -
Sr Documents Sr Documents
Thanking you,
Signature of Applicant Signature of Co-Applicant(s)
Page 7
Application No: 3636458464571016A
ACKNOWLEDGEMENT OF RECEIPT OF LOAN APPLICATION:
We acknowledge receipt of your loan application form along with the IPF and we thank you for the same. This loan application will be
processed in _____ Business days subject to submission of complete information and documents as per InCred policy. We request you to
furnish all such documents as per the indicative list of documents check list for quick processing of your application.
Signature of Applicant Signature of Co-Applicant(s)
Page 8
