State Office : Home Credit India Finance Private Limited, 2nd Floor, Chandan House, Mithakali, Ahmedabad - 380009,

GSTIN :
24AABCR6548L1Z2
State Code : 24, HSN : , Place of Supply as per GST Act : Gujarat

LOAN SUMMARY
Mr. PANCHAL PRAKASHBHAI Contract Number 3903219244
AMARNATH TENAMENT, floor 0, C-18,AMARNATH TENAMENT,
ANRAIWADI,SURELIA ROAD Customer Id 10996860
Ahmedabad, Ahmedabad, Gujarat, 380026

Welcome to the Home Credit Family. Congratulations! Your Loan of Rs. 19,772.00 is approved, effective date 28th Apr 2019.

Product Manufacturer/ Model Price LATE PAYMENT CHARGES(incl. of all Taxes)

Service Provider

Mobiles / Mobile OPPO F9 Pro 17,990.00 Rs. 0 Rs. 350 Rs. 800 Rs. 1,350 Rs. 2,100 Rs.
phone (+350) (+450) (+550) (+750)
ONE ASSIST
ADLD 1,782.00 Rs. On Due Date after 1 day after 30 days after 60 days after 90 days

Late payment charges will be charged for non payment of Monthly

Instalment on or before respective Due Dates.

LOAN DETAILS
OTHER CHARGES
(A) Total Product Price 19772.00 Rs.
(B) Downpayment 0.00 Rs. Prepayment Terms Not allowed before 6 months

(C) Loan Amount (A-B) 19,772.00 Rs. Prepayment Penalty(incl. of all Taxes) Nil

(D) Processing Fee(incl. of all Taxes) 599.00 Rs. Direct Debit Bounce Fee(incl. of all Taxes) 300 Rs.

(E) Pay Now (B+D) 599.00 Rs.

OTHER DETAILS
(F) Flat Interest Rate 28.62 % p.a.
*Recommended Payment Date 22nd of every month
(G) Interest Amount 3,300.00 Rs.
(H) EMI (Equated Monthly Instalment) 3,296.00 Rs. Due Date 28th of every month
(I) Number of Monthly Instalments 7 First Monthly Instalment 28th May 2019
Term of Loan 7 months
(J) Monthly Customer Care Fee(incl of all Taxes) 0 Rs.
Mode of repayment Direct debit
(K) Monthly Instalment (H+J) 3,296.00 Rs.
Bank DENA BANK
(L) SGST @ 9% (Applicable on D and J) 45.69 Rs.
Ensure sufficient balance in your bank account for Direct Debit of
CGST @ 9% (Applicable on D and J) 45.69 Rs. Monthly Instalments.

OTHER TERMS & CONDITIONS

1. Please refer 'General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited (HCIN)' ('GTC') as registered with Sub-
Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 for terms and conditions applicable to this loan, a
copy of which has been provided to you and is also available at website of HCIN i.e. https://homecredit.co.in/corporate-governance.
2. You authorize HCIN to accept all the instructions/ applications/ requests made by you through any of the Contact Options (such as e-mail, sms, mobile application, etc.)
mentioned in the GTC (such as e-mail, sms, etc.) in respect of all Loan(s) obtained by you and for the purposes of considering, granting, approving, or disbursing the Loan(s).
3. HCIN offers different interest rate based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's
age, income, type of documents provided by the applicant and any other information as may be required for the purpose of credit evaluation. You understand that HCIN offers and
charges different rate of interest to different borrowers based on the aforesaid rationales and you agree to abide by such rationale. You further confirm that HCIN shall be entitled
to categorise you under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance. The Interest Amount has been calculated
using flat rate of interest for the entire loan period. Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount.
4. The loan sanctioned to you has been covered under the interest subsidy granted by the manufacturer / dealer. Without such interest subsidy, the flat rate of interest may vary
from nil to 36% p.a.
5*. You are advised to make payment of Monthly Instalment by Recommended Payment Date so that your loan account is appropriately credited with the Monthly Instalment by
Due Date.
6. In case you have availed value added services (SAFE PAY) and/ or enrolled for Group Insurance on finance, you agree to abide by the terms and conditions for such value
added services and Group Insurance Policy. Such terms and conditions are also available on website of HCIN i.e. https://homecredit.co.in/corporate-governance.
7 If the Borrower pays all the Monthly Instalments duly on time (i.e. on or before Due Date every month), his/her last Monthly Instalment as per the Repayment Schedule will be
waived off. However, the Borrower shall not be eligible for the said waiver in case of any prepayment of Outstanding Balance or in the case of non-adherence of the Repayment
Schedule, the General Terms & Conditions or the terms and conditions of this Loan Summary.

For Home Credit India Finance Private Limited

AUTHORIZED SIGNATORY
Note: This is a computer generated document and therefore does not require the signature from the Company.

I hereby confirm that I have read and understood clearly and completely the provisions of the aforementioned GTC as well as the
terms and conditions mentioned above and I undertake to abide by the same during the tenor of all present and future Loan(s)
obatined by me from HCIN. I also undertake to abide by terms & conditions of value added services (SAFE PAY) and Group
Insurance Policy, if availed by me. I confirm that I have received the copy of this Loan Summary, GTC and other value added service
documents . I confirm that my acceptance of the terms of this Loan Summary can be obtained by HCIN using any of the Contact
Options (such as e-mail, sms, mobile application, etc.) mentioned in the GTC. I agree and confirm that the courts in Delhi shall have
the exclusive jurisdiction over all the matters and disputes pertaining to Loan(s) obtained by me from HCIN irrespective of place of
signing of any of the Documents.

Borrower's Name: PANCHAL PRAKASHBHAI Borrower's Signature:

Date: 28/04/2019 Place: AHMEDABAD

Registered Office-Home Credit India Finance Private Limited, 3rd Floor, Infinity Tower C, DLF Cyber City Phase 2, Gurugram, Haryana 122002
State Office : Home Credit India Finance Private Limited, 2nd Floor, Chandan House, Mithakali, Ahmedabad - 380009, GSTIN :
24AABCR6548L1Z2
State Code : 24, HSN : , Place of Supply as per GST Act : Gujarat

LOAN SUMMARY
Mr. PANCHAL PRAKASHBHAI Contract Number 3903219244
AMARNATH TENAMENT, floor 0, C-18,AMARNATH TENAMENT,
ANRAIWADI,SURELIA ROAD Customer Id 10996860
Ahmedabad, Ahmedabad, Gujarat, 380026

Welcome to the Home Credit Family. Congratulations! Your Loan of Rs. 19,772.00 is approved, effective date 28th Apr 2019.

Product Manufacturer/ Model Price LATE PAYMENT CHARGES(incl. of all Taxes)

Service Provider

Mobiles / Mobile OPPO F9 Pro 17,990.00 Rs. 0 Rs. 350 Rs. 800 Rs. 1,350 Rs. 2,100 Rs.
phone (+350) (+450) (+550) (+750)
ONE ASSIST
ADLD 1,782.00 Rs. On Due Date after 1 day after 30 days after 60 days after 90 days

Late payment charges will be charged for non payment of Monthly

Instalment on or before respective Due Dates.

LOAN DETAILS
OTHER CHARGES
(A) Total Product Price 19772.00 Rs.
(B) Downpayment 0.00 Rs. Prepayment Terms Not allowed before 6 months

(C) Loan Amount (A-B) 19,772.00 Rs. Prepayment Penalty(incl. of all Taxes) Nil

(D) Processing Fee(incl. of all Taxes) 599.00 Rs. Direct Debit Bounce Fee(incl. of all Taxes) 300 Rs.

(E) Pay Now (B+D) 599.00 Rs.

OTHER DETAILS
(F) Flat Interest Rate 28.62 % p.a.
*Recommended Payment Date 22nd of every month
(G) Interest Amount 3,300.00 Rs.
(H) EMI (Equated Monthly Instalment) 3,296.00 Rs. Due Date 28th of every month
(I) Number of Monthly Instalments 7 First Monthly Instalment 28th May 2019
Term of Loan 7 months
(J) Monthly Customer Care Fee(incl of all Taxes) 0 Rs.
Mode of repayment Direct debit
(K) Monthly Instalment (H+J) 3,296.00 Rs.
Bank DENA BANK
(L) SGST @ 9% (Applicable on D and J) 45.69 Rs.
Ensure sufficient balance in your bank account for Direct Debit of
CGST @ 9% (Applicable on D and J) 45.69 Rs. Monthly Instalments.

OTHER TERMS & CONDITIONS

1. Please refer 'General Terms and Conditions for obtaining Personal Loan and POS Loan from Home Credit India Finance Private Limited (HCIN)' ('GTC') as registered with Sub-
Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.23050 dated 18.12.2015 for terms and conditions applicable to this loan, a
copy of which has been provided to you and is also available at website of HCIN i.e. https://homecredit.co.in/corporate-governance.
2. You authorize HCIN to accept all the instructions/ applications/ requests made by you through any of the Contact Options (such as e-mail, sms, mobile application, etc.)
mentioned in the GTC (such as e-mail, sms, etc.) in respect of all Loan(s) obtained by you and for the purposes of considering, granting, approving, or disbursing the Loan(s).
3. HCIN offers different interest rate based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's
age, income, type of documents provided by the applicant and any other information as may be required for the purpose of credit evaluation. You understand that HCIN offers and
charges different rate of interest to different borrowers based on the aforesaid rationales and you agree to abide by such rationale. You further confirm that HCIN shall be entitled
to categorise you under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance. The Interest Amount has been calculated
using flat rate of interest for the entire loan period. Interest Amount shall be appropriated to Loan account on the basis of the monthly reducing balance of the Loan Amount.
4. The loan sanctioned to you has been covered under the interest subsidy granted by the manufacturer / dealer. Without such interest subsidy, the flat rate of interest may vary
from nil to 36% p.a.
5*. You are advised to make payment of Monthly Instalment by Recommended Payment Date so that your loan account is appropriately credited with the Monthly Instalment by
Due Date.
6. In case you have availed value added services (SAFE PAY) and/ or enrolled for Group Insurance on finance, you agree to abide by the terms and conditions for such value
added services and Group Insurance Policy. Such terms and conditions are also available on website of HCIN i.e. https://homecredit.co.in/corporate-governance.
7 If the Borrower pays all the Monthly Instalments duly on time (i.e. on or before Due Date every month), his/her last Monthly Instalment as per the Repayment Schedule will be
waived off. However, the Borrower shall not be eligible for the said waiver in case of any prepayment of Outstanding Balance or in the case of non-adherence of the Repayment
Schedule, the General Terms & Conditions or the terms and conditions of this Loan Summary.

For Home Credit India Finance Private Limited

AUTHORIZED SIGNATORY
Note: This is a computer generated document and therefore does not require the signature from the Company.

I hereby confirm that I have read and understood clearly and completely the provisions of the aforementioned GTC as well as the
terms and conditions mentioned above and I undertake to abide by the same during the tenor of all present and future Loan(s)
obatined by me from HCIN. I also undertake to abide by terms & conditions of value added services (SAFE PAY) and Group
Insurance Policy, if availed by me. I confirm that I have received the copy of this Loan Summary, GTC and other value added service
documents . I confirm that my acceptance of the terms of this Loan Summary can be obtained by HCIN using any of the Contact
Options (such as e-mail, sms, mobile application, etc.) mentioned in the GTC. I agree and confirm that the courts in Delhi shall have
the exclusive jurisdiction over all the matters and disputes pertaining to Loan(s) obtained by me from HCIN irrespective of place of
signing of any of the Documents.

Borrower's Name: PANCHAL PRAKASHBHAI Borrower's Signature:

Date: 28/04/2019 Place: AHMEDABAD

Registered Office-Home Credit India Finance Private Limited, 3rd Floor, Infinity Tower C, DLF Cyber City Phase 2, Gurugram, Haryana 122002
 Mobile Device Protection Membership Program - ADLD

We are pleased to welcome you to the Mobile Device Protection Membership Program, provided to you by ONEASSIST CONSUMER
SOLUTIONS PVT LTD (‘ONEASSIST’) for the benefit of the customers of Home Credit India Finance Private Limited ('Home Credit').

Certificate No. 3903219244

Subscriber’s Name PANCHAL PRAKASHBHAI
Mobile Make (brand) Mobile phone/OPPO
IMEI Number 869066043263392
Mobile Device Purchase Date /Start Date 28/04/2019
End Date 26/04/2020
Membership Fee Rs. 1,782.00
Coverage Amount Rs. 17,990.00

Excess payable by the Subscribers (payable 5% of Mobile Device Purchase Price

along with upon a Repair Request)
Depreciation in case of Beyond Economic Repair Device Age Depreciation
(BER) Upto 3 months 20%
3 – 6 months 30%
6 – 12 months 50%

Your membership to the Mobile Device Protection Program brings you the following benefits:

• Repair service for any repair request for your Device arising from any Breakage or Liquid Breakage
• Maximum 2 repair requests during the period between Start Date and End Date
• Free pick up & delivery service
• Dedicated call center 7 days a week

The risk cover is available for one year from the date of purchase of this program. No amount shall be refunded to the
Subscriber in case this protection risk cover is terminated/ cancelled by the Subscriber after 15 days of purchase. All
repair requests must be filed with ONEASSIST. For repair requests filing and full details on the repair services provided
through this program including terms & conditions please refer the welcome email received from OneAssist or contact
18001233330.
The repair request may be rejected if (a) the request is not notified to ONEASSIST within 48 hours of the Breakage; (b)
all the documents required for processing the request are not provided to ONEASSIST within 15 days of date of
intimation; (d) the subscriber fails to make payment of the excess charges.
Beyond Economic Repairs (BER), is defined as the cost of repair equal to or more than 80% of Sum Insured or Invoice
Value whichever is lower.

If you have any questions or would like to take assistance from Home Credit 1 for registering a repair request,
please contact us at care@homecredit.co.in or happytoassist@oneassist.in.
The Subscriber undertakes to abide by the terms and conditions of availing services under Protect Membership Plan and
is requested to sign and acknowledge the document
_________________________

1 Please note that Home Credit will only provide necessary assistance in lodging repair requests with OneAssist upon request of the subscriber.
Home Credit does not accept any responsibility regarding compensation, recovery/ processing of repair requests or any statement made in or
omission of any provisions of the Membership Plan.
 Mobile Device Protection Membership Program - ADLD

We are pleased to welcome you to the Mobile Device Protection Membership Program, provided to you by ONEASSIST CONSUMER
SOLUTIONS PVT LTD (‘ONEASSIST’) for the benefit of the customers of Home Credit India Finance Private Limited ('Home Credit').

Certificate No. 3903219244

Subscriber’s Name PANCHAL PRAKASHBHAI
Mobile Make (brand) Mobile phone/OPPO
IMEI Number 869066043263392
Mobile Device Purchase Date /Start Date 28/04/2019
End Date 26/04/2020
Membership Fee Rs. 1,782.00
Coverage Amount Rs. 17,990.00

Excess payable by the Subscribers (payable 5% of Mobile Device Purchase Price

along with upon a Repair Request)
Depreciation in case of Beyond Economic Repair Device Age Depreciation
(BER) Upto 3 months 20%
3 – 6 months 30%
6 – 12 months 50%

Your membership to the Mobile Device Protection Program brings you the following benefits:

• Repair service for any repair request for your Device arising from any Breakage or Liquid Breakage
• Maximum 2 repair requests during the period between Start Date and End Date
• Free pick up & delivery service
• Dedicated call center 7 days a week

The risk cover is available for one year from the date of purchase of this program. No amount shall be refunded to the
Subscriber in case this protection risk cover is terminated/ cancelled by the Subscriber after 15 days of purchase. All
repair requests must be filed with ONEASSIST. For repair requests filing and full details on the repair services provided
through this program including terms & conditions please refer the welcome email received from OneAssist or contact
18001233330.
The repair request may be rejected if (a) the request is not notified to ONEASSIST within 48 hours of the Breakage; (b)
all the documents required for processing the request are not provided to ONEASSIST within 15 days of date of
intimation; (d) the subscriber fails to make payment of the excess charges.
Beyond Economic Repairs (BER), is defined as the cost of repair equal to or more than 80% of Sum Insured or Invoice
Value whichever is lower.

If you have any questions or would like to take assistance from Home Credit 1 for registering a repair request,
please contact us at care@homecredit.co.in or happytoassist@oneassist.in.
The Subscriber undertakes to abide by the terms and conditions of availing services under Protect Membership Plan and
is requested to sign and acknowledge the document
_________________________

1 Please note that Home Credit will only provide necessary assistance in lodging repair requests with OneAssist upon request of the subscriber.
Home Credit does not accept any responsibility regarding compensation, recovery/ processing of repair requests or any statement made in or
omission of any provisions of the Membership Plan.
 DELIVERY ADVICE
Contract No. 3903219244 Date 28/04/2019
Valid Upto 05/05/2019

To
5K017N
ANJALI MOBILES

You are requested to deliver the following Product to the customer as per the details below:

Customer Name PANCHAL PRAKASHBHAI Customer Mobile No. 9979142501

Customer's Address AMARNATH TENAMENT, floor 0

ANRAIWADI,SURELIA ROAD, Ahmedabad, Ahmedabad, Gujarat, 380026

The loan has been approved by Home Credit India Finance Private Limited (HCIN):

PRODUCT DETAILS
Type Manufacturer Model Name & No. Product's Price
Mobiles / Mobile phone OPPO F9 Pro(CPH1823) Rs. 17,990.00

Total Amount* to collect from Customer Rs. 599.00

1. *Total Amount consists of all one-time fee(s), advances etc. payable to HCIN as per Loan Summary and/ or Down
Payment of the Product to the Dealer.
2. The loan documentation has been completed by the Customer. The Dealer is requested to collect the Total
Amount from the Customer and deliver the Product to the Customer.
3. Please provide us with the copy of invoice with signature (Proof of Delivery) so that the disbursal process can be
completed.
4. The payment of Balance Amount on Product shall be made after deduction of Interest Subsidy/ Commission, if
applicable, payable by the Dealer.

Regards,

For Home Credit India Finance Pvt. Ltd. Acknowledgement

Authorised Signatory Dealer Authorised Signatory with Stamp

* This Delivery advice is valid upto the date mentioned above

 CHECKLIST - FOR UNSECURED
LOANS

Document Signature Distribution

Consent Form Customer BO

Copy of Identity Proof Customer BO
SA
Copy of Income Proof Customer BO
SA
Copy of Current Address Proof Customer BO
SA
Application Form Customer BO

Delivery Advice SA BO
Dealer Dealer

Vernacular Declaration Customer BO

Loan Summary Customer Customer
BO

Promissory Note Customer BO

ECS Form (For Direct Debit) Customer BO

Cancelled Cheque (For Direct Debit) BO
Invoice Customer BO
Dealer

Is the Invoice Amount and Loan Amount

same? YES

Full Signature of Customer done and is

same on all documents? YES
 DELIVERY ADVICE
Contract No. 3903219244 Date 28/04/2019
Valid Upto 05/05/2019

To
5K017N
ANJALI MOBILES

You are requested to deliver the following Product to the customer as per the details below:

Customer Name PANCHAL PRAKASHBHAI Customer Mobile No. 9979142501

Customer's Address AMARNATH TENAMENT, floor 0

ANRAIWADI,SURELIA ROAD, Ahmedabad, Ahmedabad, Gujarat, 380026

The loan has been approved by Home Credit India Finance Private Limited (HCIN):

PRODUCT DETAILS
Type Manufacturer Model Name & No. Product's Price
Mobiles / Mobile phone OPPO F9 Pro(CPH1823) Rs. 17,990.00

Total Amount* to collect from Customer Rs. 599.00

1. *Total Amount consists of all one-time fee(s), advances etc. payable to HCIN as per Loan Summary and/ or Down
Payment of the Product to the Dealer.
2. The loan documentation has been completed by the Customer. The Dealer is requested to collect the Total
Amount from the Customer and deliver the Product to the Customer.
3. Please provide us with the copy of invoice with signature (Proof of Delivery) so that the disbursal process can be
completed.
4. The payment of Balance Amount on Product shall be made after deduction of Interest Subsidy/ Commission, if
applicable, payable by the Dealer.

Regards,

For Home Credit India Finance Pvt. Ltd. Acknowledgement

Authorised Signatory Dealer Authorised Signatory with Stamp

* This Delivery advice is valid upto the date mentioned above

 CHECKLIST - FOR UNSECURED
LOANS

Document Signature Distribution

Consent Form Customer BO

Copy of Identity Proof Customer BO
SA
Copy of Income Proof Customer BO
SA
Copy of Current Address Proof Customer BO
SA
Application Form Customer BO

Delivery Advice SA BO
Dealer Dealer

Vernacular Declaration Customer BO

Loan Summary Customer Customer
BO

Promissory Note Customer BO

ECS Form (For Direct Debit) Customer BO

Cancelled Cheque (For Direct Debit) BO
Invoice Customer BO
Dealer

Is the Invoice Amount and Loan Amount

same? YES

Full Signature of Customer done and is

same on all documents? YES
 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 124 4907 600, Fax:+91 124 4907650, Email:info@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due in respect of the Loan obtained from Home Credit India Finance Private Limited (‘HCIN’) from time to time, I hereby
authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the bank account, details of which are
mentioned in the Mandate, for the purpose of debiting my said bank account with the aforesaid amount(s).

In case I obtain more than one Loan from HCIN and choose to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. For this purpose, I authorise HCIN to fill up the details of Sponsor Bank, Utility Code,
Reference and Date(s) in the Mandate signed by me. I also authorize the bank and HCIN to debit my account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed, or not effected at all, for
reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.
I further undertake that the Mandate given by me shall remain valid and binding until all the amounts due and payable by me under all
the Loans taken from HCIN are duly paid to the satisfaction of HCIN and that I shall not initiate any step/ action leading to cancellation
of Mandate, or closure of bank account or for dishonour of Mandate without prior approval in writing from HCIN.

Thanking you,

Name: _____________________ Signature: _____________________

ACH-TPL
2 8 0 4 2 0 1 9
ICI0TREA00 ICIC00261000001992
HOMECRINDFINPVTLTD
0 2 3 2 1 0 0 1 3 4 6 3
DENA BANK 3 8 0 0 1 8 0 0 2
Nineteen Thousand Seven Hundred Seventy Two 19,772.00

390321924401

2 8 0 5 2 0 1 9

PRAKASHBHAI MANSUKHBHAI PANCHAL

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 124 4907 600, Fax:+91 124 4907650, Email:info@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due in respect of the Loan obtained from Home Credit India Finance Private Limited (‘HCIN’) from time to time, I hereby
authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the bank account, details of which are
mentioned in the Mandate, for the purpose of debiting my said bank account with the aforesaid amount(s).

In case I obtain more than one Loan from HCIN and choose to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. For this purpose, I authorise HCIN to fill up the details of Sponsor Bank, Utility Code,
Reference and Date(s) in the Mandate signed by me. I also authorize the bank and HCIN to debit my account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed, or not effected at all, for
reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.
I further undertake that the Mandate given by me shall remain valid and binding until all the amounts due and payable by me under all
the Loans taken from HCIN are duly paid to the satisfaction of HCIN and that I shall not initiate any step/ action leading to cancellation
of Mandate, or closure of bank account or for dishonour of Mandate without prior approval in writing from HCIN.

Thanking you,

Name: _____________________ Signature: _____________________

HOMECRINDFINPVTLTD
0 2 3 2 1 0 0 1 3 4 6 3
DENA BANK 3 8 0 0 1 8 0 0 2
Nineteen Thousand Seven Hundred Seventy Two 19,772.00

PRAKASHBHAI MANSUKHBHAI PANCHAL

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 124 4907 600, Fax:+91 124 4907650, Email:info@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due in respect of the Loan obtained from Home Credit India Finance Private Limited (‘HCIN’) from time to time, I hereby
authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the bank account, details of which are
mentioned in the Mandate, for the purpose of debiting my said bank account with the aforesaid amount(s).

In case I obtain more than one Loan from HCIN and choose to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. For this purpose, I authorise HCIN to fill up the details of Sponsor Bank, Utility Code,
Reference and Date(s) in the Mandate signed by me. I also authorize the bank and HCIN to debit my account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed, or not effected at all, for
reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.
I further undertake that the Mandate given by me shall remain valid and binding until all the amounts due and payable by me under all
the Loans taken from HCIN are duly paid to the satisfaction of HCIN and that I shall not initiate any step/ action leading to cancellation
of Mandate, or closure of bank account or for dishonour of Mandate without prior approval in writing from HCIN.

Thanking you,

Name: _____________________ Signature: _____________________

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 124 4907 600, Fax:+91 124 4907650, Email:info@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due in respect of the Loan obtained from Home Credit India Finance Private Limited (‘HCIN’) from time to time, I hereby
authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the bank account, details of which are
mentioned in the Mandate, for the purpose of debiting my said bank account with the aforesaid amount(s).

In case I obtain more than one Loan from HCIN and choose to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. For this purpose, I authorise HCIN to fill up the details of Sponsor Bank, Utility Code,
Reference and Date(s) in the Mandate signed by me. I also authorize the bank and HCIN to debit my account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed, or not effected at all, for
reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.
I further undertake that the Mandate given by me shall remain valid and binding until all the amounts due and payable by me under all
the Loans taken from HCIN are duly paid to the satisfaction of HCIN and that I shall not initiate any step/ action leading to cancellation
of Mandate, or closure of bank account or for dishonour of Mandate without prior approval in writing from HCIN.

Thanking you,

Name: _____________________ Signature: _____________________

ACH-TPL
2 8 0 4 2 0 1 9
ICI0TREA00 ICIC00261000001992
HOMECRINDFINPVTLTD
0 2 3 2 1 0 0 1 3 4 6 3
DENA BANK 3 8 0 0 1 8 0 0 2
Nineteen Thousand Seven Hundred Seventy Two 19,772.00

390321924401

2 8 0 5 2 0 1 9

PRAKASHBHAI MANSUKHBHAI PANCHAL

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 124 4907 600, Fax:+91 124 4907650, Email:info@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due in respect of the Loan obtained from Home Credit India Finance Private Limited (‘HCIN’) from time to time, I hereby
authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the bank account, details of which are
mentioned in the Mandate, for the purpose of debiting my said bank account with the aforesaid amount(s).

In case I obtain more than one Loan from HCIN and choose to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. For this purpose, I authorise HCIN to fill up the details of Sponsor Bank, Utility Code,
Reference and Date(s) in the Mandate signed by me. I also authorize the bank and HCIN to debit my account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed, or not effected at all, for
reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.
I further undertake that the Mandate given by me shall remain valid and binding until all the amounts due and payable by me under all
the Loans taken from HCIN are duly paid to the satisfaction of HCIN and that I shall not initiate any step/ action leading to cancellation
of Mandate, or closure of bank account or for dishonour of Mandate without prior approval in writing from HCIN.

Thanking you,

Name: _____________________ Signature: _____________________

HOMECRINDFINPVTLTD
0 2 3 2 1 0 0 1 3 4 6 3
DENA BANK 3 8 0 0 1 8 0 0 2
Nineteen Thousand Seven Hundred Seventy Two 19,772.00

PRAKASHBHAI MANSUKHBHAI PANCHAL

 ECS/NACH/Direct Debit Mandate
HOME CREDIT INDIA FINANCE PRIVATE LIMITED
Tel:+91 124 4907 600, Fax:+91 124 4907650, Email:info@homecredit.co.in, Web:www.homecredit.co.in

To: National Payment Corporation of India

CC: Home Credit India Finance Private Limited

Dear Sir/ Madam,

In order to ensure timely repayment of the amount(s) of the Loan, Monthly Instalment, penalties, costs and/ or any other outstanding
amount(s) due in respect of the Loan obtained from Home Credit India Finance Private Limited (‘HCIN’) from time to time, I hereby
authorise HCIN to submit the Mandate, duly signed by me, before the bank with whom I have the bank account, details of which are
mentioned in the Mandate, for the purpose of debiting my said bank account with the aforesaid amount(s).

In case I obtain more than one Loan from HCIN and choose to make the repayment under all such Loan(s) by debiting the bank
account, details of which are provided in the Mandate, I confirm that my said bank account can be debited as and when this Mandate is
presented by HCIN on or after respective Due Dates of Monthly Instalment(s) of each such Loan until all the amounts due and payable
in respect of all such Loan(s) are duly paid by me. For this purpose, I authorise HCIN to fill up the details of Sponsor Bank, Utility Code,
Reference and Date(s) in the Mandate signed by me. I also authorize the bank and HCIN to debit my account for charges towards
mandate verification and transactions bounced due to "insufficient funds" as applicable.

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed, or not effected at all, for
reasons of incomplete or incorrect information, I would not hold the user institution and/ or HCIN responsible.
I further undertake that the Mandate given by me shall remain valid and binding until all the amounts due and payable by me under all
the Loans taken from HCIN are duly paid to the satisfaction of HCIN and that I shall not initiate any step/ action leading to cancellation
of Mandate, or closure of bank account or for dishonour of Mandate without prior approval in writing from HCIN.

Thanking you,

Name: _____________________ Signature: _____________________

 APPLICATION FORM
Contract No. 3903219244 POS Code 011260WU6 SA Code OpenAPI_User Date 28/04/2019
APPLICANT DETAIL
Name PANCHAL PRAKASHBHAI Date of Birth 21/09/1979 Gender Male
Father's Name MANSUKHBHAI PANCHAL Mother's Name PUSHPABEN
APPLICANT CONTACTS Mobile 9979142501 Email PANCHL12@GMAIL.COM
Residential Address AMARNATH TENAMENT, floor 0, C-18,AMARNATH TENAMENT
ANRAIWADI,SURELIA ROAD, NR.ANJALI SCHOOL,NR.GOKUL NAGAR, Ahmedabad,
Yes, I would like to obtain the facility for applying and obtaining Loan from Home Credit India Finance Private Limited (HCIN) over the phone, e-mail,
sms, HCIN's customer portal (i.e. Contact Options) as per the applicable terms and conditons of HCIN.

REFERENCES Contact Relation Name Contact phone numbers

Spouse BHUMIKABEN PANCHAL 7567701426
Friend/Colleague/Relative MANSUKHBHAI PANCHAL 7069559822
I hereby confirm that I have the permission from the aforesaid persons for providing their contact detail to HCIN for calling them in respect of verification
of my detail provided in this application form. I authorize HCIN to share my detail provided in this application form also with aforesaid persons from time
to time for verification and updating purposes.
DOCUMENTS TO PROVIDE WITH LOAN APPLICATION
Identity & Address Proof: PAN/ Form 60 (as applicable), Aadhaar (masked), Bank/ Credit Card/ Post Office Saving Account Statement/ Passbook, Passport,
Driving Licence, Voter ID, Utility Bill, NREGA Job Card, Letter issued by National Population Register, Government House Allotment
Letter, Property/ Municipal Tax Receipt, Pension Order
Income proof (where applicable): Income tax return, Salary slip, Bank Statement showing Salary credit
Document Type ID
Photo of Client
PAN Card (OVD) CYFPP2539A
UID Address Proof 7130
I understand and confirm that the Application Form, photograph and all other documents submitted by me to HCIN shall not be returned to me and HCIN shall have the right
to retain the same. Further, I undertake to inform HCIN within 7 days of any change in any of the detail mentioned herein.
WORK EXPERIENCE Employment Type Economical Status Salaried - Other
Total Experience 0 Profession Other Industry Services
Employer's Name APOLO INDUSTRES Department FUNITURE WORK
Office Address VATVA GIDC PHASE -4, floor 0
VATVA, NR.BOBEY CONDUCTOR, Ahmedabad, 382445
Landline Number 9601530371 Ext. Employed Since 01/01/2017

MONTHLY INCOME & EXPENSES Occupation Income Rs. 15,000.00 Additional Income
Household Income Household Expenses Amount of Debt Rs. 0.00
Financial Situation Salary Day 0 Income Receipt Mode
PRODUCT TO FINANCE Product Category / Type Manufacturer/Make Model Name & No. Price
Mobiles / Mobile phone OPPO F9 Pro(CPH1823) Rs. 17,990.00
ONE ASSIST
ADLD Rs.1,782.00

LOAN DETAIL
I confirm that I have applied for the loan with following detail as per my requirements.
Loan Amount (Rs) 19,772.00 Flat Interest Rate 28.62 % p.a. Term of the Loan 7 months
EMI (Rs.) 3,296.00 Monthly Customer Care Fee (Rs.) 0 Monthly Instalment (Rs.) 3,296.00
Processing Fee (Rs.) 599.00 Number of Advance Instalment 0 Advance Instalment (Rs.) 0
Number of Monthly Instalment 7 Loan Purpose Product Financing Payment Frequency Monthly

GENERAL DECLARATIONS BY THE APPLICANT/ BORROWER

1. I hereby confirm that I am a citizen of India and competent to give this declaration/ undertaking and to execute and submit this Application Form and all other documents for the purpose of availing loan,
creation of security and representing generally for all the purposes mentioned/required to be done for these presents.
2. I confirm that all the particulars and information given in the application form and otherwise in writing or over the Contact Options by me, are true, correct and complete and no information has been
withheld/suppressed.
3. I confirm that I am submitting this application form after having read and fully understood the Privacy Policy & Interest Rate Policy (as amedned from time to time) of the HCIN as well as the terms and
conditions of availing loan from HCIN, including those provided in the General Terms and Conditions for obtaining Personal Loan and POS loan from HCIN registered with the Sub-Registrar of Assurances at
Gurgaon (Haryana) under Deed of Declaration having Registration No. 23050 dated 18.12.2015 ("GTC"). I acknowledge that HCIN shall be entitled to reject my application without assigning any reason.
4. I have no insolvency proceedings against me nor have I ever been adjudicated insolvent. I confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been
initiated and/or pending against me. There is no restriction on me in respect of availing the loan from HCIN and no person's consent is required by me for availing the loan from HCIN. Further, I undertake and
confirm that loan amount shall not be used for purposes of gambling, lottery, races, for purchase of gold in any form, gold bullion, gold jewellery, gold coins, units of Exchange Traded Funds (ETF) and units of
gold mutual fund, or for any purpose prohibited by RBI/ other regulatory body from time to time or any other illegal purposes of similar nature. I confirm that I have been informed that the loan would be subject to
Pre-payment Penalties and other charges.
5. I understand that HCIN offers different interest rate to different borrowers based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies,
borrower's age, income, type of documents provided by the borrower and any other information as may be required for the purpose of credit evaluation and I agree to abide by such rationale. HCIN has
confirmed that any changes in the rate of interest and fee/ charges shall take effect only prospectively.

I further confirm that HCIN shall be entitled to categorise me under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance.

Date 28/04/2019 Place AHMEDABAD Applicant's Signature

PROMISSORY NOTE
Contract No. 3903219244

Rs. 23,072.00

ON DEMAND I/we PANCHAL PRAKASHBHAI promise to pay to Home Credit India Finance Private Limited
or order, the sum of Rs. 23,072.00 from this date onwards for value received payable at Gujarat

Presentment for payment and noting and protest of this are hereby unconditionally and irrevocably waived.

Name PANCHAL PRAKASHBHAI

Signature

Revenue
Stamp
Date 28/04/2019
PANCHAL PRAKASHBHAI,
3903219244

3,296.00 28th
22nd
PANCHAL PRAKASHBHAI,
3903219244

3,296.00 28th
22nd