MORTGAGE

PERSONAL LOAN

SCHEDULE / MOST IMPORTANT TERMS AND CONDITIONS OF THE LOAN (MITC)

Place of (which shall be the place where the Lender has signed the Loan
1.
Execution Agreement)
Date of Execution Shall be the date on which the Lender has signed the Loan
2.
Agreement.
Name: Piramal Capital & Housing Finance Ltd Registered
Office Address: Unit No-601, 6th Floor, Amiti Building,
Name of the Agastya Corporate Park, Kamani Junction, Opp. Fire Station,
3.
Lender LBS Marg, Kurla (West), Mumbai - 400 070 and one of its
branch office at E2/22, 2nd Floor, Jhandewalan Extn. New
Delhi 110055
a) Name

Details of the b) Address

4.
Borrower c) Email Address
d) Mobile No.
5. Loan Amount Loan Amount: Rs. (Rupees only)
6. Tenure of Loan
Rate of Interest
7. % per annum (Fixed)
(ROI)
Repayment Tenure (in months):
Equated Monthly Instalment of Rs. Frequency of
Repayment
8. Repayment of EMI: Monthly
Schedule
Due Date of the EMI shall be day of the each month unless
otherwise communicated by the Lender.
9. Purpose & End Use of Loan
Purpose & End
Purpose :- Personal
Use of Loan

Enduse :- Marriage
Borrower hereby declare, represent, warrant, confirm & undertake that :
(a) The Loan shall be utilized only for the purpose as mentioned herein and the
purpose of use of Loan shall not be changed in any manner during the term of the
Loan or that such change in the end use shall take place only with the prior written
permission of the Lender. The Loan shall not be used for any illegal, anti-social,
money lending, any speculative activities, speculative investment in real estate,
onward lending or for investment in securities, debentures or stock markets.
(b) Any breach of the above undertaking shall tantamount to be the breach of the
terms and conditions of the Loan Agreement and the Lender shall be at liberty to
take such action against me/us including withholding of the balance
Loan/recalling the Loan as the Lender may deem fit.

10. Sanction Letter Date:

 Insurance
Rs. /- (to be deducted from the Loan amount & to be paid to the
11. Premium
insurance company)
Amount
Schedule of Fees & OtherCharges: Fees & charges applicable on application/
during the term of Loan as mentioned hereinabove are subject to modifications
from time to time as decided by the Lender as per its internal policy and any
suchmodification shall be notified by the Lender through its website
A.
www.piramalfinance.com or its branches or such othermedium as Lender may
consider appropriate.Processing Fees, documentation charges & Stamp duty
charges to be deducted from the Loan Amount at the time of thedisbursement.

Loan Processing
Upto 5% of loan amount + applicable taxes i.e .Rs. /- (to be
(i) Fees
deducted from the Loan amount)

(ii) Penal Charges 1. 24% per annum i.e. 2% p.m. on default of

Instalment / EMI from the date of default till the
date of actual payment + applicable taxes
2. 2% p.m. on Outstanding Amount for the non-
compliance of the terms and conditions as
detailed below by the Borrower, for the period
beginning the date of such non-compliance until
the same is cured to the satisfaction of the
Lender + applicable taxes

Occurrence of any or all the following events/actions shall

constitute as material breach of terms and conditions of the
Loan Agreement and will attract the Penal Charges.

Default in or non-payment of Outstanding Amount or EMI

due in full or any other dues under the Agreement, on or
before the due date as provided in the Agreement.
If the Borrower fails to furnish the Lender with any
information/documents/ PDC/ NACH as required by the
Lender time to time
Any information given by the Borrower in the Loan
Application, or financials provided to the Lender, and
 /or any other document/ certificate/receipt
/statement, to Lender for financial assistance is found to
be misleading or incorrect
If the Borrower misuses the Loan Amount or any part
thereof for any purpose other than the Purpose for which
the Loan has been sanctioned or if the Purpose for which
the Loan has been obtained becomes illegal
Dishonor of any payment instructions provided under the
Agreement / any instructions given by the Borrower for
stopping payment of any mode under the Agreement or
instructions to the Lender not to present any NACH
mandate or cancellation of NACH mandate
Any short payment of any demand raised by the Lender
under the terms of the Transaction Documents

Pre-payment
(iii) Rs. 0
Charges
Pre-closure
(iv) Rs. 0
Charges
(v) Admin Charges Up to Rs. 5000 + applicable taxes
EMI Date Change
(vi) Rs. 1000/- + applicable taxes

Loan Pre- closure

(vii) Statement Rs. 0

Loan Repayment
Schedule
(onlyapplicable
(viii) for physicalcopy Rs. 500/- + applicable taxes
of statement)

Swapping of
(ix) Repayment Rs. 1000/- + applicable taxes
Account
Duplicate No
Dues
(x) Certificate/ Rs. 500/- + applicable taxes
NOC Issuance
Charges
Statement of
AccountCharge s
(Onlyapplicable
(xi) for thephysical Rs. 500/- + applicable taxes
copy of
thestatement)
 Photocopy of
(xii) NA
Documents
Stamp duty
(xiii) /Franking charges At actuals + applicable taxes

Loan
cancellation
(xiv) after disbursal/ Rs. 3000 + Interest accrued & due + applicable taxes
cheque
handover
Statutory Charges
(xv) At actuals + applicable taxes

Documentation
(xvi) Upto Rs. 1,000 + Interest accrued & due
Charges
B. Collection and Legal Charges
Loan repayment
instrument
(i) dishonor Rs. 750/- + applicable taxes
charges

(ii) Legal Charges At actuals + applicable taxes

EMI
/PEMIIcollectio
Rs 500/- + applicable taxes per month (excluding first 3 months
(iii) n charges (Only
from the date of disbursement)
for NPDC
cases)
Maintenance
Charges for
(iv) At actuals + applicable taxes
repossessed
property
1. Customer Service Queries including requirement of
documents can be addressed to the Lender through our
Toll Free Number mentioned on our website: ww
Customer w.piramalfinance.com or email us at
12.
Services: customercare@piramal.com.
2. Details of branch locations & visiting hours for
customer service with respect to all branches of the
Lender are available at www.piramalfinance.com
There can be instances where the Borrower is not satisfied with
the services provided by the Lender. To highlight such
instances & register a complaint the Borrower may follow the
following process:
The Borrower may raise his / her complaint through Toll
free number mentioned on www.piramalfinance. com or
email to customercare@piramal.com or contact the Branch
Operations Manager of the respective dealing branch
within working hours as mentioned on the website
 If the Borrower is not satisfied with the resolution
provided or his/her queries are not solved within 15 days,
the Borrower may escalate to: grievances@piramal.com.
In case the concern remains unresolved beyond a period
Grievance of 15 days, the Borrower may escalate the matter to
13. “The Nodal Officer”, Piramal Capital & Housing
Redressal:
Finance Limited Unit No-601, 6th Floor, Amiti
Building, Agastya Corporate Park, Kamani Junction,
Opp. Fire Station, LBS Marg, Kurla (West), Mumbai -
400 070 Email: nodal. officer@piramal.com
In case the Borrower is still not satisfied with the
response, the Borrower may approach the Complaint
Redressal Cell of National Housing Bank by lodging its
complaint in Online mode at the link htt
ps://grids.nhbonline.org.in or may write to National
Housing Bank, Complaint Redressal Cell, Department of
Regulation & Supervision, National Housing Bank, 4th
Floor, Core 5A, India Habitat Centre, Lodhi Road, New
Delhi - 110 003.

E- Stamping & E- Signatures

For ease of operation of the Borrower, the Loan documentation using online
/digital services & technology platform of the Lender (Technology Platform) and the
Borrower hereby consent to E-stamp the Agreement in New Delhi wherein the Lender
will execute the Loan Agreement & which is deemed as the Place of execution of
Agreement and accept & sign these Loan Agreement through Aadhar based E-Signature.
The Borrower is confirming, completing and signing these Loan Agreement through the
Technology Platform through Aadhar based E-Signature by entering the Verification code/
one time password (“OTP”) in token of having read, understood and irrevocably agreed
and accepted the Loan Agreement , upon which the Disbursement of the Loan will be
completed by the Lender.
The Borrower hereby acknowledges and accepts that on receipt of the one-time password,
access code or other forms of secure authentication, the Lender shall assume that such
authentication has been provided by the Borrower and it is the sole responsibility of the
Borrower to ensure that the one-time password, access code or other forms of secure
authentication is not compromised or shared with any unauthorized users.
The Lender shall have no obligation to verify the authenticity of any transaction or
instruction received or purported to have been received from the Borrower through the
Technology Platform or purporting to have been sent by the Borrower other than by
means of verification of the one-time password, access code or other forms of secure
authentication. All the records of the Lender with respect to the online request for facility
arising out of the use of the Technology Platform and arising out of the use of the one-
time password, access code or other forms of secure authentication shall be conclusive
proof of the genuineness and accuracy of the transaction and shall be binding on the
Borrower.
An email (“Email Communication”) containing the Loan Agreement & Sanction Letter
will be sent by the Lender to the email id registered with the Lender. No other/further act,
deed or writing on part of the Borrower shall be required for acceptance by the Borrower
as above including any different or physical signature for the Transaction Documents. The
Lender also does not require to sign the Agreement in any physical form.
I Agree to the Loan Agreement

Name of the Borrower:

Date: Time:
IP:

Signed and delivered by the within-named Lender by the hands of its.

Authorized Signatory

Name: Jayesh Patel

 UNSECURED BUSINESS LOAN

SCHEDULE / MOST IMPORTANT TERMS AND CONDITIONS OF THE LOAN (MITC)

1. Name of Lender Name: Piramal Capital & Housing Finance Ltd

Registered Office Address: Unit No-601, 6th Floor, Amiti Building, Agastya Corporate Park,
Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (West), Mumbai – 400 070, and having
one of its branch office at Delhi - Shahdara
2. Place of Execution companyEmail (which shall be the place where the Lender has signed the Agreement)
3. Date of Execution

4. Details of the a) Name

Borrower/s
b) Constitution

c) Address

d) Email Address

e) Mobile No.

Details of the Co- a) Name

Borrower(s)
b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name
b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address

e) Mobile No.

a) Name

b) Constitution

c) Address

d) Email Address
 e) Mobile No.

5. Loan Amount Total Loan Amount: Rs. (Rupees

only)
6. Tenure of Loan

7. Rate of Interest % per annum (Fixed)

(ROI)
8. Repayment Repayment Tenure (in months): Equated
Schedule Monthly Installment of Rs.

9. Due Date of
Repayment
10. Frequency of
Repayment
11. Sanction Letter Date :
12. Purpose & End Use of Loan
Purpose & End Use of Loan Purpose :- Business

Enduse :-

Borrower hereby declare, represent, warrant, confirm & undertake that :

(a) The Loan shall be utilized only for the purpose as mentioned herein and the purpose of use of Loan shall not be
changed in any manner during the term of the Loan. The Loan shall not be used for any illegal and/or anti-social and/or
any speculative activities.
(b) Any breach of the above undertaking shall tantamount to be the breach of the terms and conditions of the Loan
Agreement and the Lender shall be at liberty to take such action against me/us including withholding of the balance
Loan/recalling the Loan as the Lender may deem fit.
13 A.Schedule of Payment of Charges and Fees:
I. Loan Processing Processing Fees upto 5 % of Loan amount + applicable taxes (payable before
Fees disbursementof Loan)
II. Default Interest 24% per annum i.e. 2% p.m. on default of Broken Period Interest / EMI from the date of
default till the date of actual payment.
III. Additional 2% p.m. on Outstanding Amount for the non-compliance of any terms and conditions of the
Charges Transaction Documents by the Borrower, for the period beginning the date of such non-
compliance until the same is cured to the satisfaction of the Lender + applicable taxes

IV. Pre-Closure 5% of Principal amount being repaid + applicable taxes

charges
V. Part payment 5% of Principal amount being repaid + applicable taxes
charges
Part payment charges are not applicable in case of UBL-Flexi for part payment of up to 30%
of disbursed amount. For part payment above 30% of disbursed amount part payment charges
would apply as mentioned.
VI. Loan cancellation Rs. 3000 + Interest accrued & due + applicable taxes
after disbursal/ cheque In case of event of cancellation, interest charges will be borne by the customer. Processingfees,
handover stamp duty, Documentation, are non-refundable charges and would not bewaived/refunded in
case of loan cancellation.
 VII. Statement of Rs. 500/- + applicable taxes
Account Charges (Only
applicable for the
physical copy of the
statement)

VIII. Loan repayment Rs. 500/- + applicable taxes

schedule (only
applicable for
physical copy of
statement)
IX. Duplicate No due Rs. 500/- + applicable taxes
Certificate issuance
charges (only
applicable for
physical copy of
statement)
X. EMI Date Change Rs. 1000/- + applicable taxes

XI. Swapping of Rs. 1000/- + applicable taxes

repayment Account
XII. Cheque Bounce Rs.500/- per instance + applicable taxes
Charges
XIII. EMI/PEMII Rs 500/- + applicable taxes per month (excluding first 3 months from the dateof
collection charges disbursement)
(Only for NPDC
cases)
XIV. Stamp duty At actuals
Charges
XV. Recovery At actuals + applicable taxes
Related
XVI. Any Legal costs At actuals + applicable taxes
/Notice Charge
XVII. Statutory At actuals + applicable taxes
Charges
Fees & charges applicable on application/ during the term of Loan as mentioned above are subject to modifications from
time to time as decided by the Lender as per its internal policy and any such modification shall be notified by the Lender
through its website www.piramalfinance.com or its branches or such other medium as Lender may consider appropriate.

14 Seat of Arbitration The seat or venue of arbitration and Jurisdiction of the Court shall be the place of
& Jurisdiction of execution of this Agreement as stated in point no. 2 hereof.
the Court
15 Customer Service a) Customer Service Queries including requirement of documents can be addressed to the
Lender through our Toll Free Number mentioned on our website:
www.piramalfinance.com or email us at customercare@piramal.com..

b) Details of branch locations & visiting hours for customer service with respect to all
branches of the Lender are available at www.piramalfinance.com

c) Contact the Lender’s Customer Service Officer at your nearest branch or through any of
the service channels as mentioned in point (a) above within the working hours for:
i. Photo Copies of documents, which can be provided in 15 working days from date
of placing request. Necessary administrative fee shall be applicable.

ii. Loan Account statement, which can be provided within 4 working days of the
receipt of request.

16 Griev an ce There can be instances where the Borrower is not satisfied with the services provided. To
Redressal highlight such instances & register a complaint the Borrower may follow the following
process:
a) The Borrower may raise his / her complaint through Toll free number mentioned on
www.piramalfinance.com or email to customercare@piramal.com. or contact the
Branch Operations Manager of the respective dealing branch within working hours as
mentioned on the website

b) If the Borrower is not satisfied with the resolution provided or his/her queries are not
solved within 15 days, the Borrower may escalate to : customercare@piramal.com.

c) In case the concern remains unresolved beyond a period of 15 days, the Borrower may
escalate the matter to “The Nodal Officer”, Unit No-601, 6th Floor, Amiti Building,
Agastya Corporate Park, Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (West),
Mumbai - 400 070. Email: nodal. officer@piramal.com

d) In case the Borrower is still not satisfied with the response, the Borrower may approach
the Complaint Redressal Cell of National Housing Bank by lodging its complaint in
Online mode at the link https://grids.nhbonline.org.in or may write to National Housing
Bank, Complaint Redressal Cell, Department of Regulation & Supervision, National
Housing Bank, 4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi - 110
003.

IN WITNESS WHEREOF the parties have executed this Agreement on the day and the year as mentioned
in Schedule.

Signed and delivered by the within named Lender by the hands of its Name:

Authorized Signatory/ Constituted Attorney

Signature: Jayesh Patel

Signed and delivered by within named Borrower through the hands of Name:
 Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:
Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Signed and delivered by within named Co-Borrower through the hands of Name:

Signature:

Name: ___________________

Signed and delivered by within named Co-Borrower through the hands of

Signature:
 USED CAR LOAN

SCHEDULE / MOST IMPORTANT TERMS AND CONDITIONS OF THE LOAN (MITC)

1. Name of Lender Name: Piramal Capital & Housing Finance Limited, a company incorporated under the provisions of
the Companies Act 1956 and having its registered office at Unit No-601, 6th Floor, Amiti Building,
Agastya Corporate Park, Kamani Junction, Opposite Fire Station, LBS Marg, Kurla (West), Mumbai -
400 070 CIN: L65910MH1984PLC032639 and having one of its branch office at

2. Place of Execution Delhi (which shall be the place where the Lender has signed the Agreement)
3. Date of Execution Shall be the date on which the Lender has executed the Agreement
4. Purpose & End Use of Loan
Purpose & End Use of Loan Purpose :-

Enduse :-

Borrower hereby declare, represent, warrant, confirm & undertake that :

(a) The Loan shall be utilized only for the purpose as mentioned herein and the purpose of use of Loan shall not be changed in
any manner during the term of the Loan. The Loan shall not be used for any illegal and/or anti-social and
/or any speculative activities.
(b) Any breach of the above undertaking shall tantamount to be the breach of the terms and conditions of the Loan Agreement
and the Lender shall be at liberty to take such action against me/us including withholding of the balance Loan/recalling the Loan
as the Lender may deem fit.
5. Details of the a) Name
Borrower/s
b) Constitution

c) Address

d) Email Address

e) Mobile No.

6. Details of the Co- a) Name

Borrower/s
b) Constitution

c) Address

d) Email Address

e) Mobile No.

7. Details of the Asset a) Loan Required For :-

b) Make, Model and

Variant:

c) Registration No:
 d) Year of Registration:

e) Ownership No:

f) Chassis No:

g) Engine No:

On successful closure of the Loan, Form 35 & NOC will be released/handed over within 30 days from
loan closure date. In case the Borrower/s have availed of any other loan against this Asset funded by
the Lender, the Form 35 & NOC will be released on successful closure of all the linked loan,
wherever applicable.

The Form 35 & NOC can be collected from the loan originating branch or any other branch as per
the Borrower’s choice at the time of placing the request for closure on the loan.
8. Loan Amount a) Sanctioned Amount: Rs.
(Rupees only)

b) Motor Insurance Premium financed Rs.

(Rupees only)

c) Loan Insurance Premium financed Rs.

(Rupees only)

d) Personal Accident Premium: Rs.

(Rupees only)

e) Total Loan Amount: Rs.

(Rupees only)
9. Rate of Interest (ROI) % per annum (Fixed)
10. Repayment Schedule Monthly, i.e. on
/Frequency
Repayment Tenure (in months):

Equated Monthly Instalment of Rs.

11. Loan Application Form Number:

Date:
Sanction Letter
Date:
12. A. Schedule of Payment of Charges and Fees: Fees & charges applicable on application/ during the term of Loan as
mentioned herein above are subject to modifications from time to time as decided by the Lender as per its internal policy and any
such modification shall be notified by the Lender through its website www.piramalfinance.com or its branches or such other
medium as Lender may consider appropriate
Loan Processing Fees, Documentation Fees & Stamp duty charges to be deducted from the Loan Amount at thetime of the
disbursement.
(i) Loan Processing Upto 5% of loan amount + applicable taxes
Fees
(ii) Documentation Upto Rs. 1000/- + applicable taxes per instance
Fees
(iii) Photocopy of NA
Documents
(iv) Car Valuation / Rs. 1500/- + applicable taxes per instance
Inspection Fees
(v) Pre-Closure Letter Rs. 500/- + applicable taxes
Charges
(vi) Pre-payment Pre-payment Charges: NA
/Closure Charges Loan Closure: 5% of outstanding loan amount
(vii) Penal Charges 1. 24% per annum i.e., 2% p.m. + applicable taxes on default of Instalment / EMI
from the date of default till the date of actual payment.
2. 2%pm + taxes on outstanding loan amount for the non-compliance of any
terms & conditions as detailed below by the Borrower for the period beginning
the date of such non-compliance until the same is cured to the satisfaction of
the Lender.

Occurrence of any or all the following events/actions shall constitute as material breach ofterms and
conditions of the Loan Agreement and will attract the Penal Charges.

Default in or non-payment of outstanding amount or EMI due in full or any other dues under
the Agreement, on or before the due date as provided in the Agreement.
Non-creation of Security and/or failure on the part of the Borrower to note the lien of the
Lender on the RC within time specified or within the extended time period, in terms of
the Agreement or Transaction Documents.
Non deposit Original Registration Certificate duly transferred in the name of the Borrower,
insurance copy and Duplicate Key of the Asset within the time as stipulated under the
Agreement,
If the Borrower fails to furnish the Lender with any information/documents/ PDC/ NACH as
required by the Lender time to time
Any information given by the Borrower in the Loan Application, or financials provided to the
Lender, and/or any other document/ certificate/receipt/statement, to Lender for financial
assistance is found to be misleading or incorrect
If the Borrower misuses the Loan Amount or any part thereof for any purpose other than the
Purpose for which the Loan has been sanctioned or if the Purpose for which the Loan has been
obtained becomes illegal
Dishonor of any payment instructions provided under the Agreement / any instructions given
by the Borrower for stopping payment of any mode under the Agreement or instructions to the
Lender not to present any NACH mandate or cancellation of NACH mandate
Any short payment of any demand raised by the Lender under the terms of the Transaction
Documents.
In the event the Security or part of it is lost, disposed off, gifted, or depreciates in value
and the Borrower fails to provide additional security to maintain the Security Cover, or there is
any attachment or distrait is levied on the Security or any part thereof as prescribed by the
Lender or if the Security Interest provided becomes unenforceable in nature
If the Security or any part of the Security is let-out, given on leave & license, sold, disposed
off, charged, encumbered or otherwise alienated in any manner whatsoever, without the prior
written consent of the Lender

(viii) Loan cancellation Rs. 5,000 + Interest accrued & due + applicable taxes
after disbursal/
cheque handover
(ix) Statement of Rs. 500/- + applicable taxes per instance
Account Charges
(x) No Objection Rs.5000/- per instance + applicable taxes
Certificate for
conversion from Petrol to
LPG/CNG & vice- versa
thereof
 (xi) Any Duplicate Rs. 500/- + applicable taxes per instance
NOC
(xii) Loan Repayment Rs. 500/- + applicable taxes per instance
Schedule (applicable for
physical copies only)

(xiii) Swapping of Rs.1000/- per instance

Repayment Account
(xiv) EMI Date Rs. 1000/- per instance
Change Charges
(xv) Statutory Charges At Actuals + applicable taxes

(xvi) Stamp Duty At Actuals + applicable taxes

Charges
(xvii) RTO Charges Rs. 10,000 + applicable taxes

(xviii) Admin Charges Up to Rs. 5000+ applicable taxes

B. Collection and Legal Charges

(i) Loan repayment Rs. 750 /- per instance

instrument dishonor
charges
(ii) Legal Notice At Actuals + applicable taxes
Charge
(iii) Repossession Minimum Rs. 15,000 /- or at actuals, whichever is higher + applicable taxes
Charges
(iv) EMI / PEMI Rs. 500/- + applicable taxes per instance (excluding first 3 months from the date ofdisbursement)
Collection Charges
only for NPDC cases
(v) Parking Yard At Actuals + applicable charges
Charges
(vi) Maintenance At Actuals + applicable charges
Charges for
repossessed property
C. All applicable taxes, charges, stamp duty charges, government charges and any other charges fixed by
the regulators have been excluded from above charges.
13. Seat of Arbitration & The seat or venue of arbitration and Jurisdiction of the Court shall be the place of executionof this
Jurisdiction of the Agreement as stated in point no. 2 hereof
Court
Customer Services: 1. Customer Service Queries including requirement of documents can be addressed to the
Lender through our Toll Free Number mentioned on our
website: www. piramalfinance.com or email us at customercare@piramal.com.
2. Details of branch locations & visiting hours for customer service with respect to all
3. branches of the Lender are available at www.piramalfinance.com

Griev an ce There can be instances where the Borrower is not satisfied with the services provided
Redressal: bythe Lender. To highlight such instances & register a complaint the Borrower may
follow the following process:

1. The Borrower may raise his / her complaint through Toll free number mentioned on
www.piramalfinance.com or email to customercare@piramal.com or contact the Branch
Operations Manager of the respective dealing branch within working hours asmentioned on
the website.
2. If the Borrower is not satisfied with the resolution provided or his/her queries are not
solved within 15 days, the Borrower may escalate to: grievances@piramal.com.
3. In case the concern remains unresolved beyond a period of 15 days, the Borrower may
escalate the matter to “The Nodal Officer”, Piramal Capital & Housing Finance Limited
Unit No-601, 6th Floor, Amiti Building, Agastya Corporate Park, KamaniJunction,
Opp. Fire Station, LBS Marg, Kurla (West), Mumbai - 400 070,
Contact details:02269181273 Email: nodal. officer@piramal.com
4. In case the Borrower is still not satisfied with the response, the Borrower may
approach the Complaint Redressal Cell of National Housing Bank by lodging its
complaint in Online mode at the link https://grids.nhbonline.org.in or may write to
National Housing Bank, Complaint Redressal Cell, Department of Regulation &
Supervision, National Housing Bank, 4th Floor, Core 5A, India Habitat Centre,
Lodhi Road, New Delhi - 110 003.