CONSUMER DURABLE &

LIFESTYLE PRODUCTS LOAN APPLICATION 60232A00239

Mandatory fields are are marked in "RED"
RO EMP A32021 SM EMP P25064 AH EMP S56855 ZH EMP S56855
ID ID ID ID
A. PERSONAL DETAILS(Leave space between two words)
Applicant Name Co-Applicant Name
Applicant Name BALIRAM GUPTA
Beneficiary Name
Beneficiary Relation
Father's / Husband's Name
Date of Birth/
11 07 1997 Gender M Status Single Married No. of Dependents PAN No. CIFPG7901P
Incorporation
Educational Details Under Grad. Graduate Post Grad. & abv. Others Vehicles 2W 4W Both Aadhar No.

Reference Name RAHUL BARANWAL Contact No. 9795252500

Present Address Dhanapur,Bahari S.R.N Bhadohi,bahari
(Residence)
Landmark near Primary school
City PARSIPUR PIN Code 221402
State UTTAR PRADESH
Tel (R) Mobile No. 7607637936
E-mail ID [email protected]
Present Address is Owned Parental Company Provided
B. OCCUPATION DETAILS
Occupation Salaried Self Employed Self Employed Professional Retired Housewife Student Other
If self employed Professional Doctor CA/CS Consultant Architect Lawyer Other
Type of Company Pvt Ltd. Partnership Proprietor public Ltd. Retailers PSU Govt. MNC Other
Type of Industry Automobiles Agriculture Banking BPO Capital Goods Telecom IT Retail
Real Estate Consumer Durables FMCG NBFC Marketing/Adv. Pharma Media Other
Employer / Business Details Designation: PROPRIETOR Exp in Current Job/Business Yrs Months Total Exp in Job/Business 4 - 5 years
Company / Employers name Self Buisness
Company / Employers Bahari Kandhiya,S R N Bhadohi
Address
Landmark near primary school
City PARSIPUR PIN Code 221402
State UTTAR PRADESH
Tel (0) 000
Official E-mail ID [email protected]
Net Salary / Net Income: 420000 Other Income:
C. SCHEDULE OF CHARGES / IMPORTANT TERMS & CONDITIONS
G. I /We: (1) shall advise the HDFC Bank Ltd. (Bank) in writing for any change in my / our residential or employment address.(2) hereby authorize and give consent to the Bank to disclose, without
notice to me/us, information furnished by me / us in the application form(s) / related documents executed / to be executed in relation to the facilities to be availed by me / us from the Bank, to the
Bank's other branches / subsidiaries / affiliates / Credit Bureaus / Rating Agencies, Services Providers, Banks / Financial Institutions, Governmental / Regulatory authorities or third parties for
information verification, credit risk analysis, or for other related purposes that the Bank may deem fit. I / We waive the privilege of privity of contract.(3) shall credit all sums received by you in either
or all the names of this account. (4)hereby confirm having received, read and understood the terms and conditions applicable to this loan and accept the same. (5) hereby unconditionally, agree that
these terms and conditions may be changed by the Bank at any time andI/We will be bound by the amended terms and conditions. (6) Confirm that I/We are citizen of India.
H. DO NOT CALL REGISTRY: I understand that in case I do not wish to receive promotional information through telephone calls/email/sms on products and services not currently availed by me, I
can register for "Do Not Call" services through the Bank's website www.hdfcbank.com or through PhoneBanking or other channels that the Bank may offer. I agree that this service will not apply to
receipt of advice and information regarding products and services currently availed by me, to help me in fully realising the benefits of the range of financial solutions designed to make my banking
relationship value added and more convenient
I/We have read and verified the entire contents of the aforesaid Loan Application Form including the information, the Most Important Terms and Conditions, Schedule of Charges and I/We hereby
irrevocably represent, confirm and declare that all the information given thereunder are completely true and correct and further agree, acknowledge, accept and confirm the same.

Signed By- BALIRAM GUPTA

e Signed using OTP
Date :- 2023-03-06 20:29:32
Merchant/Stamp/Signature
Applicant's/Co-applicant's Signature

Name: BALIRAM GUPTA Date: Place:

Merchant Name: ROHIT ELECTRONIC AND FURNITURE
Address: 0 MANIKPUR PARSIPUR SANT RAVIDAS NGR UTTAR PRADESH 221402 BHADOHI

D. KEY FACT STATEMENT

Pre-closure charges: 3% Late Payment Charges: Rs. 550 Frequency: Monthly
Plus all applicable Government Levied Taxes Plus all applicable Government Levied Taxes

Stamp Duty: Bounce Charge: 2% Plus GST @ 18%, on EMI amount.Subject to a minimum Rs. 450/- will be levied
Bank & Department Details:
Bank A/c No. 40018584090 MICR 221002104 IFSC Code SBIN0002535
Bank Name STATE BANK OF INDIA
Brach & Address CHAURI BAZAR

First EMI Cheque no. Security Cheque no. 1 Security Cheque no. 2
 CONSUMER DURABLE &
LIFESTYLE PRODUCTS LOAN APPLICATION
Mandatory fields are are marked in "RED"

KEY FACT STATEMENT:

Main Product 1 Main Product 2 Main Product 3 Main Product 4 Main Product 5
Manufacture SAMSUNG - - - -

REFRIGERATOR-
Category - - - -
SAMSUNG
Model RT30C3732SL/HL - - - -

Invoice Amount 32025 - - - -

Subvention Amount - - - - -
Loan/Principal
32025 - - - -
Amount(Rs.)
ROI PA 27.0 - - - -

Tenure 18 - - - -
EMI Amount (Rs.) 2183 - - - -

Advance EMI - - - - -
PF 699 - - - -
Margin Money - - - - -

Customer Margin Money - - - - -

Total Final Advising
- - - - -
Margin Money
Stamp Duty 200 - - - -

ADLD
Service Provider - - - - -
Loan/Principal
- - - - -
Amount(Rs.)

EMI Amount (Rs.) - - - - -

Advance EMI - - - - -
Screen Guard

Service Provider - - - - -
Loan/Principal
- - - - -
Amount(Rs.)

EMI Amount (Rs.) - - - - -

Advance EMI - - - - -

Extended Warranty

Service Provider - - - - -
Loan/Principal
- - - - -
Amount(Rs.)

EMI Amount (Rs.) - - - - -

Advance EMI - - - - -
Total Amount to be Paid
39294 - - - -
(Rs.)

Interest amount to be
7269 - - - -
paid(Rs.)
Note: Cheque favourng "HDFC Bank Ltd Consumer Duarable Loan"
EMI payment due date will be determined basis the Loan booking date period as given below.
Loans boarded between 1st-19th will have 5th of following month as Payment Due Date
E.g. Loan Boarding - 10th May; Payment Due Date - 5th Jun
Loans boarded between 21st-31st will have 5th of subsequent month as Payment Due Date.
E.g. Loan Boarding - 23rd May; Payment Due Date - 5th Jul
The actual EMI start date will be communicated separately through the repayment schedule post loan booking. The EMI end date will be in accordance with the tenure selected by the borrower.

ANNEXURE
Additional Schedule cum Key Fact Statement

This additional Schedule / Key fact statement shall be in addition to and not in derogation of the commercials covered in the existing Schedule / Key fact statement of the loan
agreement and that the details incorporated in this additional Schedule / Key fact statement shall be deemed to be part of the loan agreement and are deemed to be replicated in the said
loan agreement.

Concepts / Clarifications / Illustrative examples

Dues:
mean, the principal/interest/ any charges levied on the loan account which are payable within the period stipulated as per the terms of sanction of the credit facility.
Overdue:
mean. the principal / interest/ any charges levied on the loan account which are payable ,but have not been paid within the period stipulated as per the terms of sanction of the credit facility. In
other words, any amount due to the bank under any credit facility is 'overdue' if it is not paid on the due date fixed by the bank.
Relevance of the Principle of 'First In First Out' (FIFO) in appropriation of payments into the borrowal account:
The Principle of FIFO i.e., 'First In, First Out' accounting method is relevant to arrive at the No.of days of overdue for determining the SMA I NPA status. The FIFO principle assumes that, the
oldest outstanding dues in the loan account needs to be cleared first .The FIFO method thus requires that what is due first must be paid by the borrower first. For example;
if in any loan account as on 01.02.2021 there are no overdues and an amount of Rs. X is due for payment towards principal instalment/interest/charges , any payment being credited on or after
01.02.2021 in the loan account will be used to payoff the dues outstanding on 01.02.2021
Assuming that nothing is paid lor there is partial payment (Rs Y) of dues during the month of February, the overdue as on 01.03.2021 will be Rs .X-Y.
Additionally, an amount of Rs.Z becomes due as on 01.03.2021, Now any payment I partial payment into the account on or after 01.03.2021 will be first utilized to payoff the partial due of
01.02.2021 ( Rs X - Rs.Y) If there is more recovery than the Rs X - Rs Y. then. After recovering dues of 01.02.2021, the remaining amount will be treated as recovery towards due of 01.03.2021.
Age of oldest Dues:
The age of oldest dues is reckoned in days from the date on which the oldest payment is due and continues to remain unpaid In the aforesaid illustration, if the Dues relating to 1st February 2021
remain unpaid till 01.03.2021, the age of the oldest dues is reckoned as 29 days on 02.03.2021.
Classification as Special Mention Account (SMA) and Non-Performing Asset (NPA)
Lending institutions will recognize the incipient stress in loan accounts, immediately on Default,by classifying them as Special Mention Accounts (SMA) The basis of classification of SMA / NPA
Category shall be as follows:

Loan in the nature of Term Loans

Basis for classification – Principal or interest

SMA Sub-categories payment or any other amount wholly or partly SMA Sub-categories
overdue

SMA-0 Upto 30 days

SMA-1 More than 30 days and upto 60 days SMA-1

SMA-2 More than 60 days and upto 90 days SMA-2

Non-performing Asset:
Non-Performing Asset (NPA) is a loan or an advance where interest and / or instalment of principal remains overdue for a period of more than 90 days in respect of a term loan,

Illustrative movement of an account to SMA category to NPA category based on delay / nonpayment of dues and subsequent upgradation to Standard category at day end process:

Due date of Age of oldest dues SMA / NPA SMA since / SMA NPA
Payment Date Payment covers NPA Date
payment in days Categorisation class date categorization

Entire dues upto

01.01.2022 01.01.2022 0 NIL NA NA NA
01.01.2022

Partly paid dues of

01.02.2022 01.02.2022 1 SMA-0 01.02.2022 NA NA
01.02.2022

Partly paid dues of

01.02.2022 02.02.2022 2 SMA-0 01.02.2022 NA NA
01.02.2022

Dues of 01.02.2022
not fully paid
01.03.2022 01.03.2022 is also 29 SMA-0 01.02.2022 NA NA
due at EOD
01.03.2022

Dues of 01.02.2022
fully paid, Due for
1 SMA-0 01.03.2022 NA NA
01.03.2022 not paid
at EOD 01.03.2022

No payment of full
dues of 01. 02.2022 01.02.2022 /
31 SMA-1 NA NA
AND 01.03.2022 at 03.03.2022
EOD 03.03.2022

Dues of 01.02.2022
fully paid, Due for
01.03.2022 not 1 SMA-0 01.03.2022 NA NA
fully paid at EOD
 01.03.2022

No payment of dues
of 01.02.2022,
01.03.2022 and 01.02.2022 /
01.04.2022 60 SMA1 NA NA
amount due on 03.03.2022
01.04.2022 at EOD
01.04.2022

No payment of dues
of 01.02.2022 till 01.02.2022 /
61 SMA 2 NA NA
01.04.2022 at EOD 02.04.2022
02.04.2022

No payment of dues
of 01.02.2022 till 01.02.2022 /
01.05.2022 90 SMA 2 NA NA
01.05.2022 at EOD 02.04.2022
01.05.2022

No payment of dues
of 01.02.2022 till
91 NPA NA NPA 02.05.2022
01.05.2022 at EOD
02.05.2022

Fully paid dues of

01.06.022 01.06.022 01.02.2022 at EOD 93 NPA NA NPA 02.05.2022
01.06.022

Paid entire dues of

01.03.2022 &
01.07.022 01.07.022 62 NPA NA NPA 02.05.2022
01.04.2022 at EOD
01.07.2022

Paid entire dues of

01.05.2022 &
01.08.022 01.08.022 32 NPA NA NPA 02.05.2022
01.06.2022 at EOD
01.08.2022

Paid entire dues of

01.07.2022 &
01.09.022 01.09.022 1 NPA NA NPA 02.05.2022
01.08.2022 at EOD
01.09.2022

Paid entire dues of

Standard Account STD from
01.10.022 01.10.022 01.09.2022 & 0 NA NA
with No Over dues 01.10.2022
01.10.2022

I/we also understand that the aforesaid few examples are illustrative and not exhaustive In nature covering common scenarios, and that, the IRACP norms and clarifications provided by RBI on the
subjects referred above will prevail

TERMS AND CONDITIONS FOR CONSUMER DURABLE AND LIFESTYLE PRODUCT LOAN
HDFC Bank Limited ("Bank") has agreed to sanction the Consumer Durable and Lifestyle Product Loan ("Loan") to you ("Borrower") on the basis of and subject to the terms and conditions set out
below. The Schedule of charges shall form an integral part of the terms and conditions:
1. GRANT OF THE LOAN
1.1. At the request of the Borrower, the Bank has agreed to the provide the Loan to be utilized solely toward purchase of consumer durable products not including jewellery or any other products the purchase of which
is not eligible for bank finance (“Product(s)”). Without prejudice to the generality of the forgoing, the Borrower shall not utilize the proceeds of the Loan for any purpose which is in violation of applicable law.
1.2. The Loan shall be provided only existing customer of the Bank holding either a debit card or a credit card issued by the Bank and who the Bank, in its sole discretion, determines are eligible for the grant of the
Loan. Notwithstanding anything contained herein, the Bank reserves the right to offer the Consumer Durable and Lifestyle Product Loan to persons who are not customer of the Bank and who the Bank may determine,
in its sole discretion, as eligible for the grant of the Consumer Durable and Lifestyle Product Loan.
1.3. Such Loan shall be disbursed by directly disbursing the Loan to the merchant either directly or through any intermediary with merchant. It is clarified that, the Loan disbursed by the Bank in either of the
aforementioned modes shall be deemed to be a disbursement by the Bank to the Borrower.
1.4. The Borrower acknowledge and agrees that the aforesaid Loan amount is of a non- revolving nature and once used will not once again become available on repayment of the Loan or any part thereof.
2. PAYMENT OF PRINCIPAL AND INTEREST
2.1. The Borrower hereby agrees to make payment of the principal amount due on the Loan along with interest computed at the Fixed Rate of Interest in the form of equated monthly installments ("EMIs") through the
tenure of the Loan which tenure has been explicitly opted by the Borrower. It is agreed and understood by the Borrower that the obligation of the Borrower to pay the EMI is absolute and unconditional and there shall
be no amendment to the schedule of the EMI payable to the Bank.
2.2. The borrower shall provide irrevocable standing instructions for facilitating the payment of the EMIs in respect of the Consumer Durable and Lifestyle Product Loan (as the case may be) on the relevant due dates.
The Borrower undertakes to have and maintain sufficient balance in the savings account maintained with the Bank in respect of which the Loan linked standing instructions or the Consumer Durable and Lifestyle
Product Loan linked standing instructions (as the case may be) have been provided for the payment of the EMI (on either the Consumer Durable and Lifestyle Product Loan, as the case may be) on any of the due dates.
If any payment of the EMI which is to be made by the Borrower under either the linked standing instructions or the Consumer Durable and Lifestyle Product Loan linked standing instructions (as the case may be), is
not made on the relevant due date for any reason whatsoever, the Bank, may without prejudice to the other rights available to it hereunder or under applicable law, block the usage of any or all Bank issued cards (where
applicable) held by the Borrower.
2.3. Notwithstanding anything contained in clause 2.2 above, Where the Borrower ( in respect of the Consumer Durable and Lifestyle Product Loan) immediately before availing of the Loan is not a Customer of the
Bank, such Borrower shall provide irrevocable electronic clearing system (“ECS”) mandates as acceptable to the Bank for facilitating the payments of the EMIs in respect of which the Consumer Durable and Lifestyle
Product Loan linked ECS mandate has been provided for the payment of the EMI (on the Consumer Durable and Lifestyle Product Loan ) on the relevant due dates. When any ECS mandate so provided by such
Customer is not honoured on the relevant due date for any reasons whatsoever, the Bank, may without prejudice to the other rights available to it hereunder or under applicable law, block the usage of any or all Bank
issued cards (Where applicable) held by the Borrower.
2.4. The Borrower shall not be entitled to make any prepayment of the principal amount due on the Loan unless demanded by the Bank in terms of Clause 2.6 (Payment of Principal and Interest).below Without
prejudice to the preceding sentence and any other rights which the Bank may have on a breach thereof , any prepayment made by the Borrower shall attract the foreclosure charges set out in the Schedule of Charges
which the Borrower shall be bound to pay over and above any other amounts payable by the Borrower under the terms hereof.
2.5. The Bank shall have the right to vary the Interest Rate from time to time, at its, sole discretion or as per the guidelines rules / regulations / laws issued by the Reserve Bank of India. In the event that the Interest
Rate is varied as aforesaid, the Bank shall furnish to the Borrower a revised computation of the EMIs and the Borrower undertake to pay the EMIs as re-calculated by the Bank to adjust for the change in the Interest
Rate.
2.6. Notwithstanding anything to the contrary contained herein, The Borrower acknowledges and agree that the Bank may in its sole and absolute discretion and without assigning any reason therefor make a demand on
the Borrower at any time to forthwith repay all or part of the amounts outstanding in relation to the Loan and the Borrower shall be bound to make payment of such amounts demanded forthwith.
2.7. The cancellation of the transaction for the purchase of the Product for which Loan has been utilized either by the Borrower or the merchant concerned shall lead to an automatic cancellation of the entire Loan and
all amounts due from the Borrower in respect of the Loan shall forthwith become due and payable to the Bank. It is further clarified that amounts already paid towards interest on the Loan shall not be reversed or repaid
by the Bank to the Borrower.
2.8. Without prejudice to Clause 2.2 (Payment of Principal and Interest) and 2.3 (Payment of Principal and Interest) above and Clause 9.3 (Set-off and Lien) below, the Borrower hereby irrevocably and unconditionally
authorizes and instructs the Bank to debit any and all of the accounts maintained by the Borrower with the Bank (including without limitation fixed deposit accounts) in respect of any amounts which are or become due
from the Borrower to the Bank in terms hereof.
3. OTHER PAYMENTS
3.1 In the event of the occurrence of an Event of Default , in relation to the Loan, the Borrower shall be required to make payment of the default interest as provided in the Schedule of Charges compounded monthly ,
calculated on the amounts outstanding, up to the earlier of: (a) the date such Event of Default is cured or (b) all amounts outstanding from the Borrower are repaid to the Bank.
3.2. The Borrower hereby agrees to make payment of all the fees and charges specified in the Schedule of Charges/ Key Fact Statement (along with any taxes applicable thereto including, without limitation, service tax,
goods and services tax (once applicable) and any other similar taxes).
3.3 The Borrower shall bear and pay all costs, expenses , fees, taxes (as applicable from time to time), duties (including stamp duties), charges and other imposts and obligations , existing as well as future, which may
become payable by the Bank in respect of the Loan, including without limitation (a) the execution. delivery and performance of any documentation in relation to the Loan, (b) the servicing and administration of the
Loan; and (c) the enforcement of the Bank's rights in respect of the Loan.
4. REPRESENTATIONS AND WARRANTIES
4.1. The Borrower hereby represents and warrants on the date of these presents and thereon on each day during the continuance of the Loan that: (a) The Borrower is a citizen of India and is a person resident in India
for all purposes under applicable law; (b) All information set out in these presents and furnished to the Bank in connection with the Loan, whether through physical or electronic means, is true and correct, and is not
false or misleading in any manner, and (c) The Borrower competent to contract under law and the Borrower entering into and performance by the Borrower of the transactions contemplated by these presents do not and
will not conflict with any applicable law or regulation applicable to the Borrower.
5. EVENTS OF DEFAULT
5.1. An Event Of Default shall have occurred upon the happening of any event or circumstances mentioned hereunder: (a) The Borrower does not pay, on any due date, any amount payable pursuant to these presents;
(b) If any litigation , arbitration or administrative proceedings are filed against the Borrower which proceedings may in the sole opinion of the Bank adversely affect the interests of the Bank ; (c) If the Borrower dies or
commences a voluntary proceeding under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or admits inability to pay his/her debts as they fall due, or consents to the entry of an
order for relief in an involuntary proceeding under any such law, or consents to the appointment of or the taking of possession by a receiver, liquidator, assignee (or similar official) for any or a substantial part of his/her
property; (d) If any representations and/or warranties contained in these presents are found to be untrue, misleading or incorrect, when made or deemed to be made; (e) If the Borrower is unable to meet any of its
obligations when due to the Bank or any other bank, financial institution or other lender, and (f) Any breach of the terms and conditions contained in these presents.
5.2. On the occurrence of an Event of Default, all amounts due in respect of the Loan shall forthwith become due and payable to the Bank and the Bank shall be entitled to exercise all of its rights powers and remedies
available hereunder and under law against the Borrower to recover the same.
6. NOTICE
6.1. All notices, approvals, instructions, demand and other communication given or made under these presents shall be in writing and may, subject to Clause 6.2 (Notices) hereof, be given by facsimile, electronic mail,
by personal delivery or by sending the same by pre-paid registered mail, if to the Borrower at this address, fax number or email as provided for in the application form hereto (or such other address, fax number or email
as the addressee has by 5 (Five) days' prior written notice specified to the other party) and if to the Bank, at its contact details specified on www.hdfcbank.com.
6.2. Any notice, approval, instruction, demand or other communication so addressed to the relevant party shall be deemed to have been delivered (a) if given or made by registered mail, 3 (Three) days after posting; (b)
if given by personal delivery at the time of delivery ; and (c) if given or made by facsimile , upon receipt of a transmission report confirming dispatch ; (d) if given or made by email , upon receipt of a mail delivery
report confirming receipt by the other Party. Provided that facsimile transmission or email shall be immediately on the same day followed by a copy of the notice by a reputable overnight courier.
7. GOVERNING LAW AND ARBITRATION
7.1. These presents shall be governed by, and construed in accordance with, the laws of India.
7.2. All disputes , differences and/or claims arising out of these presents shall be referred to the arbitration of a sole arbitrator to be nominated by the Bank , which arbitration shall be governed by the Arbitration and
Conciliation Act, 1996. The award including interim awards of the sole arbitrator shall be final and binding on all parties concerned.
7.3. Subject to the provisions of Clause 7.2 (Governing Law and Arbitration) above, these presents shall be subject to the jurisdiction of the courts and tribunals at Mumbai, India.
8. DISCLOSURE OF INFORMATION
8.1. The Borrower hereby agree and gives consent for the disclosure by the Bank of all or any such information and data relating to the Borrower, any credit facility availed of/to be availed, by him/her, and default, if
any, committed by him/her, in discharge of his/her obligation, as the Bank may deem appropriate and necessary, to:
(a) the Bank's employees , agents, contractors , insurance providers or third party service providers or professional advisers whether in India or outside India; (b) the Bank's head office, branches , representative offices,
subsidiaries, related corporations or affiliates or group companies, in India, or overseas (c) the Reserve Bank of India or any Credit Information Company and/or any other agency authorized in this behalf by the
Reserve Bank of India or any regulatory, supervisory or other authority, court of law, tribunal or person, in India or any other jurisdiction, where such disclosure is required by law, regulation, judgment or order of
court or order of any tribunal ; (d) any actual or potential assignee (s) or novatee (s) or transferee (s)of any rights and obligations of the Bank or other participants in any of its rights and/or obligations under these
presents for any purposes connected with the proposed assignment or transfer; (e) any other bank/ banking company, non-banking financial company, housing finance company or any other financial institution whether
incorporated in India or not.
8.2. The Borrower further acknowledge and agree that:
(a) The recipient Credit Information Company and any other agency so authorized may use, process the said information and data disclosed by the Bank in the manner as deemed fit by them; (b) The recipient Credit
Information Company or any other agency so authorized may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors
or registered users, as may be specified by the Reserve Bank of India in this behalf; (c) Any of the recipients of the information specified in Clause 8.1 (a) and (b) (Disclosure of Information) above may utilize the
Borrower's information (including the contact information) to inform and market to the Borrower any other products and services offered by the Bank and the Borrower hereby expressly requests and solicits such
communications; and ( d) The Bank and / or the Reserve Bank of India will have an unqualified right to disclose or publish the name of the Borrower as a willful defaulter in such manner and through such medium as
the Bank or the Reserve Bank of India in its absolute discretion may think fit.
9. MISCELLANEOUS
9.1. The Bank does not hold any warranty or make any representation with respect to the availability , delivery , quality , merchantability or suitability of the Products and the Bank shall not be liable for the same in any
manner whatsoever.
9.2. The Bank reserves the right to revise the terms and conditions set out above, which revisions shall take effect immediately on the Borrower being notified of the same.
9.3. Set-off and Lien: Notwithstanding anything to the contrary in these presents or any other document/arrangement:
(I) in respect of all and any of Borrower's present and future liabilities to the Bank, affiliates, group entities, associate entities, parent, subsidiaries, any of their branches (collectively 'Relevant Entities"), whether under
this document or under any other obligation/loan/facilities/borrowings/document, whether such liabilities are/be crystallized, actual or contingent, primary or collateral or several or jointly with others, whether as
principal debtor and/or as guarantor and/or otherwise howsoever (collectively 'Liabilities"), each of the Bank and the Relevant Entities shall in addition to any general lien or similar right to which any of them as
bankers may be entitled by law, practice, custom or otherwise, have a specific and special lien on all the Borrower's present and future stocks, shares, securities, property, book debts, all moneys in all accounts whether
current, savings, overdraft. fixed or other deposits, held with or in custody, legal or constructive, with the Bank and/or any Relevant Entities, now or in future, whether in same or different capacity of the Borrower, and
whether severally or jointly with others, whether for any banking relationship, safe custody, collection, or otherwise, and (ii) separately, each of the Bank and the Relevant Entities shall have an express right to, without
notice to and without consent of the Borrower, set-off, transfer, sell, realize, adjust, appropriate all such amounts in all accounts (whether prematurely or upon maturity as per the Bank's discretion), securities. amounts
and property as aforesaid (whether ear- marked for any particular Liability or not) for the purpose of realizing or against any of dues in respect of any of the Liabilities and to combine or consolidate all or any of
accounts of the Borrower and to set-off any monies, whether of same type or nature or not and whether held in same capacity or not including upon happening of any of the events of default mentioned in any of the
documents pertaining to the respective Liabilities or upon any default in payment of any part of any of the Liabilities.
9.4. The Borrower agree and undertake that he/ she shall not be entitled to transfer or assign any of its rights or obligations under these presents to any person. The Borrower further agrees that the Bank may at any time
transfer, assign or novate its rights, benefits or obligations herein to any person and the Borrower hereby expressly Consents to any such assignment, transfer and novation.
9.5. The provisions of these presents shall be severable and any provision hereof prohibited by any law shall be ineffective to the extent of such prohibition without invalidating the remaining provisions hereof.
9.6. Cash back for all eligible customer will be posted post clearance of first 3 EMI successfully.
9.7. DECLARATION AND AUTHORISATION FOR COMMUNICATION THROUGH TELEPHONIC CALLS/ SMS/ EMAILS ON EXTENDED WARRANTY SCHEMES: I hereby authorize HDFC Bank, it
employee, agent, or its Partners(s) to communicate various schemes on EXTENDED WARRANTY through telephonic calls/ SMS/ Emails, or through any other communication mode, offered by HDFC Bank or its
Partner(s).
I confirm that laws in relation to the unsolicited communication referred in "National Do Not Call Registry" (the "NDNC Registry") as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be
applicable for such communication/calls/ SMS's received from HDFC Bank, its employees, agents and/or its Partners(s).
I also consent to the collection, usage, processing, sharing, storage and exchange of the information pertaining to my existing Loan and/or repayment history to other partners, credit bureaus, agencies, statutory bodies
etc. as may be required or as they may deem fit and shall not hold HDFC Bank (or any of its group companies or its/ their agents/representatives/Partners(s)) liable for use/sharing of this information.
I have fully read, understood, confirm, irrevocably accept, authorize and authenticate above details and terms and conditions by â??tickingâ?? below box/icon. I also undertake to submit the OTP which will be sent to me
on my registered mobile no. to irrevocably authenticate, validate, confirm and verify my acceptance of above details and terms and conditions. I understand that once OTP is submitted, I deem to have accepted and
executed the loan contract and I also agree and understand that there may be no further alternative physical /paper mode signing to conclude this contract.
"Payment by Mistake, Accident or Error:
(a) The Borrower hereby agrees and confirms that in the event the Bank transfers or remits any money to the Borrower or in its account by mistake, accident or erroneously, which money is, in the sole opinion of the
Bank, not due and/or payable to the Borrower, then the Borrower shall be obligated to and shall, without any delay, demur or protest, forthwith and in no event later than one business day of such transfer/remission or
on first demand by the Bank (whichever is earlier), return and repay the said money to the Bank in a manner satisfactory to the Bank. Till such return and repayment of the said money by the Borrower to the Bank, the
Borrower shall hold the same in trust for the benefit of the Bank, keep such money segregated from all other moneys of the Borrower and keep it free from any attachment;
(b) The Borrower hereby acknowledges and agrees that any non-compliance of the aforesaid obligations shall be a breach of trust and fiduciary duties on the part of the Borrower. The Borrower hereby further agrees
and confirms that in case the Borrower fails to return the money within the timelines as mentioned above, the Borrower shall be liable to pay interest on such money to the Bank at the same rate as applicable to the
Loan granted in terms hereof;
(c) Without prejudice to the foregoing, the Borrower hereby agrees and confirms that the Bank shall have the right to, at its sole and absolute discretion
(i) debit any account or accounts of the Borrower maintained with the Bank and recover such money, under intimation to the Borrower, and/or
(ii) recover such money from future disbursements (if any) by the Bank to the Borrower; and
(d) The Borrower further agrees that such money which has been transferred or remitted by the Bank to Borrower or in its account by mistake, accident or erroneously, shall be deemed to be a part of the total amounts
outstanding in relation to the Loan payable by the Borrower to the Bank in terms of this contract and any other documentation in relation to the Loan, in case and till such time that the said money has not been returned
and repaid to the Bank in the manner as stated above."
9.8. If the account continues to remain overdue, it shall get tagged as SMA-2 upon running day-end process on May 30, 2021, and if continues to remain overdue further, it shall get classified as NPA upon running day-
end process on June 29, 2021.
9.9. I authorise HDFC Bank and its representative to call, SMS, Email or communicate via digital modes (Whatsapp, Notification etc) to provide information / services/ marketing offers regarding my application /credit
card. This consent overrides any registration for DNC/NDNC.

DECLARATION
I, the undersigned, declare, confirm and consent to HDFC Bank Limited ("Bank") and its service providers, as under:
1) I hereby confirm that am a major and a resident of India and I have read and I hereby accept the Privacy Policy of the Bank available at ______________.
2) I seek from the Bank various financial assistance, other products and services for which I may be found eligible by the Bank from time to time, at any time in future, including after closure of any of
my existing or future relationships, accounts, products, facilities, loans, services with or from the Bank from time to time, for which purpose I authorise the Bank to share any of my Information (as
defined hereinafter) with any credit information companies and obtain various scores, reports and information for determining my credit worthiness from them, and accordingly to contact me or cross
sell to me from time to time.
3) I hereby further expressly consent to and authorise the Bank (whether acting by itself or through any of its service providers, and whether in automated manner or otherwise), to do and undertake
any of the following, in relation to my application details, personal data and sensitive information about me, information, papers and data relating to know your customer (KYC), credit information,
and any other information whether about me or not as may be deemed relevant by the Bank for its purposes (collectively, "Information"):
i) to collect the Information from me and other physical or online sources including accessing the same from credit information companies, information utilities, websites, data bases and online
platforms (whether public or not); to get the authenticity, correctness, adequacy, etc. of the Information verified from any sources and persons including from online data bases; and to act for and on
my behalf for such accessing, collecting or verifying of the Information including using my log in and password credentials on the online platforms; such collection, access and verification may be
done without any notice to me;
ii) process Information including by way of storing, structuring, organising, reproducing, copying, using, profiling, etc. as may be deemed fit by the Bank;
iii) to store the Information for such period as may be required for contract, by law or for the Bank's evidential and claims purposes, whichever is longer;
iv) to share and disclose the Information to service providers, consultants, credit information companies, information utilities, other banks and financial institutions, affiliates, subsidiaries, regulators,
investigating agencies, judicial, quasi-judicial and statutory authorities, or to other persons as may be necessary in connection with the contractual or legal requirements or in the legitimate interests of
the Bank or as per the consent;
v) any of the aforesaid may be exercised by the Bank for the purposes mentioned above, for the purposes of credit appraisal, fraud detection, anti-money laundering obligations, for entering into
contract, for direct marketing, for developing credit scoring models and business strategies, for monitoring, for evaluating and improving the quality of services and products, for other legitimate
purposes or for any purposes with consent.
4) I expressly agree to and subject me to the automated processing, automated profiling and to the automated decision making by or on behalf of the Bank.
5) I expressly agree to the Bank and/or its affiliates for using the Information and for cross-selling to me their various products and services from time to time.
Signed and Delivered by/for and on behalf of the Borrower in token of and in witness of having read (and/or being explained), verified, understood, irrevocably agreed to, accepted, confirmed and
declared all the causes viz. ___ ____ to _______ on all page no's _____ to _____ of the 'CONSUMER DURABLE AND LIFESTYLE PRODUCT LOAN/THE SCHEDULE OF CHARGES/KEY
FACT STATEMENT document, all contents thereof including all the terms and conditions contained therein, and authenticated accuracy and correctness of the same.

e Signed using OTP

BALIRAM GUPTA
Date:- 2023-03-06 20:29:32
Borrower Name
/ Co-Borrower Name Borrower Signature
/ Co-Borrower Signature

WITNESS DECLARATION WHERE THE BORROWER SIGNS IN VERNACULAR LANGUAGE: The contents of the Terms and Conditions for Customer Durable and Lifestyle Product Loan the
Schedule of Charges and the Declaration have been explained by me to the Borrower in (name of language in which Borrower has signed) and same have been understood by the Borrower.

Witness Name Witness Signature

Date
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