Sanction and Loan Agreement

NSMK INVESTMENTS PVT LTD

Customer ID 1317143

Sanction No. MAG_1317143_1741097738708

Loan Account Number MAG_1317143_1741097738708

Borrower’s Name Ravi Kumar Reddy Kasireddy

Father’s Name N/A

Constitution Individual

Gender MALE

Date of Birth 2001-08-23

Age 23

Residential Address 9-57L-16NEAR LITTLE FLOWER

SCHOOLVEMPALLEVempalleVempalleCuddapahVaimpalleAndhra
PradeshIndia516329
Business Address Not Applicable

ID Documents
ID Type 1 AADHAAR ID Type 2 PAN
ID Number 1 null ID Number 2 INDPK8970D
Address Proof 9-57L-16NEAR Telephone Number N/A
LITTLE FLOWER
SCHOOLVEMPALLE
VempalleVempalleCudd
apahVaimpalleAndhra
PradeshIndia516329
Mobile Number 9618764831 E-mail reddyravikumar111@g
mail.com

Disbursal Bank Disbursal Bank

null 38817688725
Branch Name Account Number
Repayment Bank Repayment Bank
null null
Branch Name Account Number

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
Sanction Term Loan Sanction Loan Term
Amount 500.0 (months) 3 months

Sanction Rate of
Interest 30% Processing Fee 0

Instalment Amount
(Based on the usage Repayment frequency
175.0 each Loan account Monthly, 3
under each Loan
Number
agreement)
Sanction Start Date 2025-03-04 Current Loan Agent N/A
Loan Purpose Loan Product 3M_Zet

Loan Agreement Terms & Conditions

THIS AGREEMENT IS MADE on the Date specified on the last page of this Agreement/Schedule I

BETWEEN

The Borrower(s) whose name(s) is/are mentioned in Schedule I (hereinafter referred to as “the
Borrower” which expression shall where the context so admits include his/her/their executors,
administrators, successors and assigns) of the FIRST PART;

AND

NSMK INVESTMENTS PVT LTD, a Private Limited Company within the meaning of the
Companies Act ,2013 and having its registered office at Plot No.121, Block B, Pocket-4, Sector 23,
Dwarka, South West Delhi -110075, India (hereinafter referred to as “Lender” / “NSMK” which
expression shall, unless it be repugnant to the subject or context thereof, include its successors and
permitted assigns) of the SECOND PART.

The Borrower and NSMK are hereinafter collectively referred to as “Parties” and individually as
“Party”.

WHEREAS by way of the Sanction Agreement (“SA”), Borrower has requested the Lender to grant
loan / credit facility of an amount upto the Sanction loan amount as specified in the SA.

In the event Lender grants credit facility (hereinafter referred to as “Facility” or “Loan) to the
Borrower of the nature, up to the amounts specified in Part (i) of Schedule I, (hereinafter referred to
as “Facility” or “Loan”), it shall be governed by the terms and conditions contained in this
agreement.

NOW IN CONSIDERATION of the above, the Borrower hereby agrees, undertakes, assures and
declares as follows:

ARTICLE 1
DEFINITIONS

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
1.1 In this Agreement, unless the context otherwise requires the following capitalized terms shall
have the following meanings:

A. ‘Agreement’ means this agreement and Schedule/s attached hereto.

B. ‘‘Interest Rate’ means the fixed rate, as specified in Part (vi) of Schedule I.

‘Processing Fees’ means upfront fee of quantum specified in Part (iii.a) of Schedule I,
payable by the Borrower upon sanction of the Facility or during review of the facility or
C. upon takeover/closure of the Facility on account of non-renewal.

‘Repayment’ means repayment of the principal amount of the loan, interest thereon
and/or any other charges, premium, fees and other dues payable in terms of the Agreement
D. to the Lender.

‘Schedule’ means the schedule/s attached to this Agreement, which shall form an integral
E. part of this Agreement.

It being clarified that any reference to the term `Borrower(s)’ in this Agreement shall be deemed to
include all the Borrowers unless repugnant to the context or meaning thereof.
ARTICLE 2
TERMS OF THE FACILITY

2.1The Lender shall in its absolute discretion sanction loan as per the Borrower’s eligibility in
accordance with Lender’s policies on sanction of loans and Lender shall have the sole discretion to
reject the Sanction Agreement/s submitted by the Borrower upon review of the financial /
other parameters of the Borrower and/or if in the opinion of the Lender, the Borrower does not meet
the eligibility criteria/norms as prescribed by the Lender from time to time.

2.2 The Borrower shall utilise the Loan exclusively for the Purpose for which the Loan is granted. It is
clearly understood by Borrower that in the event of the Borrower’s failure to utilise the proceeds of
the credit facility for the purpose for which the same has been made available by the Lender, the
Borrower shall repay the outstanding liability immediately on demand, together with interest,
additional interest, penal interest, costs and other applicable charges.

2.3 The disbursement of the Loan shall be strictly in accordance with Lender’s policy (as maybe
updated from time to time) regarding such facility applicable at the time of the disbursement.
Notwithstanding anything contained herein, the Lender can refuse to make any further disbursals of
the unavailed portion of the Facility, if in the opinion of the Lender, there exists any circumstance
which will defeat the purpose of the Facility and/or likely to imperil, impair or prejudice the interest of
the Lender.

2.4 Any communication made subsequently in writing by Lender to the Borrower regarding any
change in the terms and conditions of Loan/Facility shall form an integral part of this agreement and
the Borrower shall be bound by the terms and conditions of such communication.

2.5 Lender shall disburse the Loan from its designated bank account to Borrower’s bank account and /
or such bank account as per the requirement of the borrower provided in SA.

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
 ARTICLE 3
INTEREST

3.1 The Borrower agree(s) to pay interest on the Facility as stated in Part (vi) of Schedule I or at such
other rate that the Lender and/or RBI may from time to time stipulate which shall be compounded at
rests specified in Schedule I. The Interest shall start accruing from the date of disbursement of the
Facility or any part thereof and shall be calculated on the daily balance outstanding in the account. The
Borrower further agrees that the interest rate mentioned in Part (vi) of Schedule I shall remain
unchanged till the maturity of the Facility i.e., till the Facility is renewed/enhanced/repaid/recalled as
may be applicable. The Borrower specifically agrees that the loan shall always include and/or shall
deem to include also the interest calculated and debited to the loan account of the Borrower with the
applicable interest rest from time to time cumulatively.

3.2 The Borrower further agrees that, notwithstanding anything contained herein, the Lender shall
have the absolute right to revise the Interest Rate applicable to the Loan at any time, in the event of
deterioration in credit quality/rating of the Borrower as assessed from time to time by the Lender or
otherwise as decided by the Lender from time to time or as per directives of the Reserve Bank of
India, without intimation/notice to the Borrower and any such revision in Interest Rate shall be
binding on the Borrower. The Borrower further agrees that the Lender shall not be under any
obligation to issue separate intimation/notice to the Borrower, in the event of variation in the Interest
Rate and the Borrower hereby expressly waive(s) such intimation/notice.

3.3 The Borrower further understands that the credit facility is granted based on the credit
information/financial particulars furnished by the Borrower and the Borrower is fully aware of the fact
that furnishing of false information/wilful omission of material information in connection with credit
information is a criminal offence punishable under Credit Information Companies (Regulation) Act,
2005, as may be amended from time to time.

ARTICLE-4
REPAYMENT

4.1 The Borrower agrees to repay the loan in the manner specified in Part (ix) of Schedule I and as
per the Repayment Schedule specified in Schedule II together with applicable interest, additional
interest, penal interests, costs and other charges. In case of default on the Borrower in repayment of
the loan as agreed, the entire balance outstanding in the loan account shall become payable forthwith
and the Borrower shall repay the entire outstanding in the loan account in lump sum, without any
further right to concessional payment in instalment, if the Lender so chooses.

4.2 The Borrower further understands and agrees that the Lender shall have the absolute discretion to
vary the terms of repayment, including but not limited to re-determination of the amount of repayment
instalments and/or varying/re-scheduling the dates on which the instalments are to be paid. The
Borrower hereby undertakes that the interest applied in the loan account periodically and the
additional interest, cost, charges and other expenses accrued/debited to the loan account shall be
cleared by the Borrower as and when debited.

4.3 The Borrower hereby agrees and undertakes that upon grant of the Facility in the manner
aforesaid, the Borrower shall repay the loan together with applicable interest, additional interest, penal
interests, costs and other charges to the account as communicated to the Borrower by the Lender from
time to time.

4.4 In order to secure the repayment of the Loan Amount together with interest cost charges and all
amounts due and outstanding under this Agreement, the Borrower undertakes to create security cover
on the asset purchased out of the funds advanced under the Loan, as and when demanded by the
Lender. The Borrower further undertakes not to sell or transfer in any manner all such assets acquired

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
and to keep the asset unencumbered and free from any charges until the complete repayment of the
Loan.

ARTICLE 5
PENAL CHARGES, ADDITIONAL INTEREST & OTHER CHARGES
5.1The Borrower also undertakes to pay penal charges and additional penal charges or any other
charges at the rates mentioned in Part (xiii) of Schedule I and/or at such rates as may be fixed by the
Lender from time to time, over and above the applicable interest rates in respect of the loan in case the
Borrowers default in paying the instalments, interest, and/or other charges, and/or in the event of
violation of any terms and conditions of this Agreement and/or sanction letter and/or on the loan
account becoming irregular for any reason whatsoever without prejudice to the other rights and
remedies available to the Lender. The decision of the Lender on whether there has been any such
default or breach shall be final and binding on the Borrower.

5.2The Borrower further agrees to pay processing fee at the rate specified in Part (iii.a) of Schedule
I.

5.3 The Borrower shall promptly pay the interest on the loan amount as specified in Schedule III and
the interest provided in the Schedule III shall depend upon the tenure and amount of Loan.

ARTICLE 6
EVENTS OF DEFAULT

6.1 The Borrower agrees that the loan may be recalled by the Lender and the Lender may demand
repayment of the loan together with all interest, additional interest, penal charges, costs, charges,
payables and expenses in lumpsum and take such steps in its discretion to recover in full or any
portion of the loan then due and outstanding from the Borrower in such manner the Lender may deem
fit and proper on the occurrence of any of the following Events of Default (“EOD”)

(a)Borrower commits a breach or fails or neglects to perform, keep or observe any of the provisions of
this Agreement including failure to make repayment as per the Repayment Schedule;
(b)principal loan amount, interest accrued, any amount payable under the loan or any instalment
remaining unpaid on the respective due date for payment thereof;
(c) Any covenant, representation, warranty of Borrower under this Agreement is found to be
incomplete, false or incorrect;
(d) If an insolvency notice is served upon the Borrower and/or if the Borrower is declared insane
and/or if the Borrower is convicted of any offence
(e) An event occurs, which in Lender’s opinion, impairs Borrower’s ability to repay the loan.
(f) Misutilisation of loan/ or utilization of the Loan for any purpose other than the purpose for which
the Loan is granted.
On the question whether any of the matters, event or circumstances mentioned in the sub-clauses (a) to
(f) above has happened, the opinion/ or decision of the Lender shall be conclusive and binding on the
Borrower.

6.2 Upon the occurrence of all or any of the events specified hereinabove, the agreement of the Lender
to accept the repayment of the Facility in instalments, shall at the option of the Lender forthwith
determine and the whole balance outstanding in the loan account shall immediately thereupon be
payable to the Lender and the Lender can recall the entire loan amount and recover the entire amount
due under the Facility together with interest, costs and other charges by initiating any enforcement
action/recovery measure in accordance with the law. The Lender shall also be entitled to take custody
of the assets acquired out of the funds advanced under the Loan /Facility and sell/transfer the assets
acquired out of the funds and adjust the outstanding dues owed by the Borrower.

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
6.3 The Borrower hereby agrees and confirms that in the event of any default in repayment of the loan
as per the terms of this agreement, the Lender shall have the right to initiate enforcement actions to
recover the entire principal amount of the Loan on an accelerated basis along with interest, costs and
other charges by initiating measures in accordance with the law.

6.4 The Borrower further agrees and accepts that the Lender shall undertake the responsibility of
collection of amounts that may due and payable by the Borrower under this Loan Agreement. The
Lender in its capacity as a servicer is authorized to take any steps under law and/or initiate such legal
proceedings against the Borrower for recovery of amounts due to the Lender.

ARTICLE 7
REPRESENTATIONS, WARRANTIES & UNDERTAKINGS
7.1 The Borrower hereby, represents, warrants and undertakes and confirms that:

(a) Granting of loan shall be based on the eligibility criteria fixed by the Lender (as updated from time
to time).
(b)The Borrower shall furnish complete and accurate data/information and he/she shall promptly
inform Lender in case of any change in data submitted with the Lender.
(c) The Borrower has read and understood the terms contained in this Agreement and the KEY FACT
STATEMENT in Schedule I including but not limited to interest, additional interest, penal interest,
other charges etc., and the Borrower is financially and legally eligible to avail the Loan.
(d) The Lender shall have the right to share all or any of the Borrower’s loan/credit information
including credit history to Credit Information Bureau of India (CIBIL), RBI and/or any other
governmental/regulatory/ statutory or private agency/entity, credit bureau, RBI, subsidiaries/
affiliates/rating agencies, service providers, other banks/financial institutions, any third parties, any
assignees/potential assignees of transferees, who may need the information and/or documents and may
process such information and publish the same in such manner and through such medium as may be
deemed necessary, including publishing the name of the Borrower as wilful defaulter from time to
time, as also to use such information/ documents for the purpose of KYC information verification,
credit risk analysis, or for other related purposes.
(e) The Borrower undertake to provide any additional document/ information as required by the
Lender from time to time.
(f) The Borrower shall comply with all applicable laws, Rules and Regulations including but not
limited to those relating to the environment.
(g) The Borrower accordingly does not employ any child below the age of 14 (fourteen) years in
his/her business or undertaking;
(h) The Borrower shall utilize Loan only for purpose mentioned in SA and make repayment only
through Lender’s approved methods as may be communicated from time to time;
(i) The Borrower shall, if required by Lender, provide such necessary documents as may be required
by the Lender in furtherance of the provision of Loan such as post-dated cheques, undated cheques,
mandates in relation to e-NACH/ECS, promissory notes or other similar documents; and
(j).The Borrower also authorizes its employers who have partnered with LSP to extend credit facilities
to the Borrower to deduct applicable Borrower’s due from the earned wages and deposit such amount
in the account of the Lender.
(k) The Borrower shall fully cooperate with partners and agents appointed by Lender (“Partner”) for
facilitation of Loan its repayment and payment of premium for insurance (where applicable).
(l) The Borrower understands that submission of SA does not confirm grant of Loan by
Lender. Lender shall decide on ‘grant of Loan’ based on merits of the application at its absolute
discretion; Lender reserves the right to reject the SA and retain the same along with the photograph of
Borrower.
(n) The Borrower undertake to provide explicit consent to NSMK for downloading his/her KYC
records from Central KYC Records registry (CKYCRR) using the KYC identifier for the purpose of
establishing an account based relationship.

7.2 Lender is committed to fair and transparent practices and accordingly:

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
(a) abides by Fair Practice Code;
(b) ensures preventing inappropriate staff behaviour;
(c) strives to educate Borrower on all aspects of Loan features;
(d) allows Borrower to pre-close Loan, with Lender’s prior approval, by remitting repayments as due
on such date;
(e) does not resort to undue harassment in Loan recovery and/or interfere in Borrower’s affairs (unless
required for recovery of Loan);
(f) does not collect security deposit / margin;
(g) remains accountable for any inappropriate behaviour by its employees or employees of the Partner
and/or any other outsourced agency appointed by it in this regard;
(h) shall strive to communicate the details of any recovery agent appointed (from time to time) for the
purpose of collection of repayments of the Borrower in accordance with applicable laws and the Fair
Practice Code;
(i) has a robust Grievance Redressal Mechanism and Borrower is encouraged to reach out and report
any grievance against the Lender at the details provided in the KEY FACT STATEMENT

ARTICLE 8
INDEMNITY

The Borrower hereby undertakes to indemnify and keep indemnified the Lender, including its
Affiliates, directors, officers, employees, representatives and agents, against any liabilities, costs,
claims, expenses, loss or damage or third party claims (including legal costs) arising from or in
connection with performance of its obligations under this Agreement and/ or breach of the terms of
this Agreement by the Borrower. The indemnification rights of the Lender under this Agreement
shall be in addition to other rights and remedies available to the Lender under this Agreement
and/or applicable laws.

ARTICLE 10
DISCLOSURE OF INFORMATION

8.1The Borrower understands that as a pre-condition, relating to grant of the Loan, the Lender
requires his/her consent for the disclosure by the bank of, information and data relating to him/her, of
the credit facility availed of/ to be availed, by him/ her, obligations assumed / to be assumed, by
him/her, in relation thereto and default, if any, committed by him/ her, in discharge thereof.
Accordingly, the Borrower hereby agrees and gives consent for the disclosure by the Lender of all or
any such;

(a) information and data relating to him/her

(b) the information or data relating to any credit facility availed of/ to be availed, by him/her
and
(c) default, if any, committed by him/her, in discharge of his/her such obligation, as the Bank
may deem appropriate and necessary, to disclose and furnish to Credit Information
Bureau (India) Ltd. and any other agency authorized in this behalf by RBI.

8.2 The Borrower hereby gives specific consent to the Lender for disclosing/submitting the ‘financial
information’ as defined in Section 3 (13 ) of the Insolvency and Bankruptcy Code, 2016 (“Code” for
brief ) read with the relevant Regulations/ Rules framed under the Code, as amended and in force from
time to time and as specified there under from time to time, in respect of the Credit/ Financial facilities
availed from the Lender, from time to time, to any ‘Information Utility’ (“IU” for brief ) as defined in
Section 3 ( 21 ) of the Code, in accordance with the relevant Regulations framed under the Code, and
directions issued by Reserve Bank of India to the banks from time to time and hereby specifically
agree to promptly authenticate the financial information submitted by the Lender, as and when
requested by the concerned ‘IU’.

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
8.3 The Borrower hereby agrees and consents that, in the event of default (as defined herein) in the
payment/repayment of any amount outstanding under the Loan/Facility, the Lender shall have an
unqualified right to disclose or publish the name and other details including the photographs of the
Borrower , its Proprietor/Partners/Trustees/ Directors (as applicable), as defaulter/s in such manner
and in such form through electronic or other media such as newspapers, notices, pamphlets etc as the
Lender may in its absolute discretion thinks fit and as maybe required under applicable laws.

8.4 The Borrower agrees and confirms that the Lender shall be entitled to appoint service
providers /agents and outsource any of its activities to such service providers/agents as permitted by
the Reserve Bank of India and/ or as per Lender’s policy and disclose all or any information, data or
documents relating to the Borrower or relating to their Loan or Loan Documents to such service
providers /agents.

ARTICLE 11
MISCELLANEOUS

9.1The Borrower further understands and agrees that notwithstanding anything contained herein,
Lender is at liberty to recall the loan at any time during the continuance of the Loan without assigning
any reason whatsoever if the Lender considers that it is necessary for the best interest of the Lender.

9.2. The Borrower hereby also agrees that notwithstanding anything contained herein, the Lender is at
liberty to cancel /withdraw the Loan or any disbursement thereunder at any time during the
continuance of the Loan without assigning any reason whatsoever, if the Lender considers that it is
necessary or is in the best interest of the Lender and the decision of the Lender in this regard shall be
final and binding on the Borrower.

9.3 The Lender, its agents, representatives, officials and nominees shall be entitled at all times, without
notice to the Borrower, but at the Borrower’s risk and expenses to enter any premises/units of the
Borrower to visit and inspect the premises/business units of the Borrower and check any statements,
accounts, reports and information of the Borrower and the Borrower shall provide the same without
demur.

9.4The Borrower agrees that the Lenders have a paramount charge, lien, right of set off on all monies,
securities, deposits and other assets and properties belonging to the Borrower or standing to the
Borrower’s credit (if any) with the Lenders.

9.5 The Borrower hereby agrees that the granting of this Loan/Facility shall be purely at the discretion
of the Lender and that notwithstanding anything herein before contained, the Lender shall, at its
absolute discretion, approve or reject the Facility. It is further agreed that the Lender shall not be
required or shall not be under any obligation to extend or allow further facilities to meet the additional
requirements of the Borrower on account of growth in business etc, otherwise than at the absolute
discretion of the Lender.

9.6 The Borrower agrees that they shall be solely responsible and liable for payment of applicable
stamp duty with respect to this Agreement. The Borrower also agrees that this Agreement together
with the Schedule and Stamp Paper(s) attached hereto form a single document. The Borrower further
undertakes that it shall sign and execute any further documents as required by the Lender in relation to
the Loan and incur such charges as may be required for such additional execution of such documents,
to the satisfaction of the Lender.

9.7 The Borrower understands and agrees that the Lender may at its sole discretion avail services of
recovery agency/agents of Lender’s choice for initiating and continuing the recovery proceedings
against the Borrower until the full amounts due to the Lender are recovered. The Borrower further
agrees to reimburse to the Lender, any fees, charges, costs or expenses paid to such recovery agency
engaged by the Lender in this regard without any protest.

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
9.8 The Lender shall have the right to introduce various modes of repayment, including without
limitation, requesting the employer of the Borrower to set off /deduct/ withhold any or all sums due
and payable by the employer to the Borrower and appropriate such amounts against all sums payable
by the Borrower under this Agreement. The Borrower hereby provides explicit consent / authorization
in relation to such modes of repayment as fixed by the Lender from time to time.

9.9 This Agreement shall be governed by, interpreted and construed in accordance with the Laws of
India and the Parties submit to the exclusive jurisdiction of the courts at Bengaluru, Karnataka

9.10 The Borrower hereby agree/s and confirm/s that the Lender shall, without reference to or
intimation to the Borrower be absolutely entitled and have full power and authority, to sell/assign
/transfer the debt in whole or in part and the benefit of these presence and the securities for the advance
and security documents to any securitization company /agency / bank /financial institutions / third-
parties /persons, as the Lender may decide. The Borrower shall if and whenever required by the
Lender, to do so, at the Borrower's own expense, do and execute and join the doing and executing of
all such acts, things, deeds, documents or assurance as the Lender/ financing institutions/ agencies/
third parties/persons may require for perfecting such assignments.

9.11 No failure on the part of the Lender to exercise , and no delay on its part in exercising any right
or remedy under this Agreement will operate as a waiver thereof nor will any single or partial exercise
of any right or remedy preclude any other or further exercise thereof or the exercise of any other right
or remedy and the same shall not affect in any manner the effectiveness of any provision of this
Agreement.

9.12 If any provision of this Agreement is found to be illegal, invalid or unenforceable, then such
provision shall be severed from this Agreement and the remaining provisions of this Agreement shall
continue in full force and effect and operate as if the severed portion had not been included. The
parties shall endeavour to amend such provisions to achieve as nearly as possible the same economic
and legal effect as the original provision.

9.13 This agreement is deemed to be executed at Bengaluru, Karnataka (To be mentioned in case of
execution by digital mode).

ARTICLE 10
CLASSIFICATION OF ACCOUNT

The Borrower agrees and understands that upon their default in making repayment of the Facility/Loan
as per the terms agreed, the Lender shall classify the Facility account as special mention accounts
(SMA) and Nonperforming Assets (NPA), as the case may be, in accordance with the RBI Guidelines/
Directions on ‘Prudential Framework for Resolution of Stressed Assets’ as amended from time to
time.

The Borrower confirms having read and understood the norms for classification of accounts into SMA/
NPA categories, as applicable on the date of this Agreement and also confirm having seen /read the
examples of such SMA/ NPA classification date as provided in Schedule IV for clarity. In the event of
any change in the norms of SMA/ NPA classification dates pursuant to any RBI Guidelines/ Directions,
such changes shall be intimated to the Borrower by way of letters and/or e-mail which shall deemed to
be due notice to the Borrower.

In witness whereof the parties hereto have affixed their signature on the date and the month and year
first herein above written.
SCHEDULE- I

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
 KEY FACT STATEMENT (LOAN)

Illustrative Factsheet on Pricing of Loans (to be provided in a language understood by the

borrower)
Date: 2025-03-04
Lender’s Name: NSMK Finance Private Limited
Sanction No. : MAG_1317143_1741097738708
Loan account Number : MAG_1317143_1741097738708
Requested Date/Loan start date : 2025-03-04
Applicant Name: Ravi Kumar Reddy Kasireddy

Annex A

Key Facts Statement

Part 1 (Interest rate and fees/charges)

Loan proposal/ MAG_1317143_17
1 Type of Loan Individual
account No. 41097738708
2 Sanctioned Loan amount (in Rupees) INR. 500.0
Disbursal schedule
(i) Disbursement in stages or 100% upfront.
3 100% upfront
(ii) If it is stage wise, mention the clause of loan agreement
having relevant details
4 Loan term (year/months/weeks/days) 3 Months
Commencement of
Type of instalments Number of EPIs EPI (₹)
repayment, post sanction
Monthly 3 months 175.0 2025-04-05
6 Interest rate (%) and type (fixed or floating or hybrid) 30% Fixed Interest Rate
7 Additional Information in case of Floating rate of interest
Impact of change in the
Referen Final Reset periodicity2 reference benchmark
ce Benchmark Spread rate (%) (Months) (for 25 bps change in ‘R’,
Bench rate (%) (B) (%) (S) R = (B) change in:3)
mark + (S) EPI
B S No. of EPIs
(₹)
NA NA NA NA NA NA NA NA
8 Fee/ Charges
Payable to a third party
Payable to the RE (A)
through RE (B)
One-
Amount (in ₹) or Amount (in ₹) or
One-time/ time/
Percentage (%) Percentage (%) as
Recurring Recur
as applicable applicable
ring
(i) Processing fees NA 0 NA 0
(ii) Insurance charges NA 0 NA 0
Credit Life Insurance premium
a. NA 0 NA 0
charges (in Rupees)

Hospicash Insurance premium

b. NA 0 NA 0
charges (In Rupees
(iii) Valuation fees NA 0
(iv) Any other (please specify)

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
 Broken Period Interest (BPI) /
Pre-Instalment Interest (in
Rupees)
a. (The amount mentioned against
this column is tentative and may
vary as per the actual date of
disbursement of Loan amount)

b. Platform fee (In Rupees) NA 0

Base loan true-up (if any) (In

c. NA 0
Rupees)**
Annual Percentage Rate (APR)
9 30%
(%)
10 ₹
Details of Contingent Charges (in or %, as applicable)

(i) Penal charges, if any, in case of delayed payment

undefined
(ii) Other penal charges, if any Nil
(iii) Foreclosure charges, if applicable Nil
Charges for switching of loans from floating to fixed rate and vice
(iv) Nil
versa
(v) Any other charges (please specify) Nil

Part 2 (Other qualitative information)

Refer Article 14,
1 Clause of Loan agreement relating to engagement of recovery agents point AA in Loan
Agreement
Refer Article 14,
Clause of Loan agreement which details grievance redressal
2 point AB in Loan
mechanism
Agreement
Lending org
name:
Name: NSMK
Investments Pvt
Ltd,
Contact: Anoj B
More
Email:
anoj.more@nsmki
3 Phone number and email id of the nodal grievance redressal officer
nvestments.in
Address: NSMK
INVESTMENTS
PVT LTD, Plot No
121, Block B,
Pocket -4, Sector
23, Dwarka, South
West Delhi -
110075
Whether the loan is, or in future maybe, subject to transfer to other
4 Yes
REs or securitisation (Yes/ No)
In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),
5
following additional details may be furnished:

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
 Name of the partner RE along with
Name of the originating RE, along
its Blended rate of interest
with its funding proportion
proportion of funding
NSMK Finance Pvt Limited 100% 30%
6 In case of digital loans, following specific disclosures may be furnished:
Cooling off/look-up period, in
terms of RE’s board approved
Not applicable since there is no lock-in or pre-payment
(i) policy, during which borrower shall
charges
not be charged any penalty on
prepayment of loan
Details of LSP acting as recovery Name: Vistas Technolabs Private Limited
(ii) agent and authorized to approach Address: Olsen Spaces 2nd Floor HSR Layout Sector
the borrower 06, 12th Main Bengaluru 560102
In case of Digital loans, the following extra fields also to be included in line with Guidelines issued
on Digital lending
One-time processing fee retained
if the customer exits the loan
(iii) NA
during cooling-off period (if
applicable)

Annex B
Computation of APR for Retail and MSME loans
Sr. No. Parameter Details
Sanctioned Loan amount (in Rupees) (Sl no. 2 of the
1
KFS template – Part 1)
500.0
Loan Term (in years/ months/ days) (Sl No.4 of the KFS
2 3 Months
template – Part 1)
No. of instalments for payment of principal, in case of
a) -
non-equated periodic loans
Type of EPI Monthly, 3
Amount of each EPI (in Rupees) and 175.0
b)
nos. of EPIs (e.g., no. of EMIs in case of monthly
instalments) (Sl No. 5 of the KFS template – Part 1)
3 months
No. of instalments for payment of capitalised interest, if
c) NA
any
Commencement of repayments, post sanction (Sl No. 5
d) 2025-04-05
of the KFS template – Part 1)
Interest rate type (fixed or floating or hybrid) (Sl No. 6 of
3 Fixed Interest Rate
the KFS template – Part 1)
4 Rate of Interest (Sl No. 6 of the KFS template – Part 1) 30%
Total Interest Amount to be charged during the entire
5 tenor of the loan as per the rate prevailing on sanction undefined
date (in Rupees) *
6 Fee/ Charges payable (in Rupees) NA
Payable to the RE (Sl No.8A of the KFS template-Part
A NA
1)
Payable to third-party routed through RE (Sl No.8B of
B 0
the KFS template – Part 1)
7 Net disbursed amount (1-6) (in Rupees) 500.0
Total amount to be paid by the borrower (sum of 1 and
8 175.0
5) (in Rupees)
9 Annual Percentage rate- Effective annualized interest 30%
rate (in percentage)10 (Sl No.9 of the KFS template-

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
 Part 1)
10 Schedule of disbursement as per terms and conditions As per Annex C
11 Due date of payment of instalment and interest 2025-04-05

* Interest on the Loan will be charged on the due date and will be compounded monthly with daily
interest. The Borrower will pay interest on the entire Payables on the due date. The Borrower
acknowledges that the repayment amount shown in Schedule III is fixed and In case of the repayment
being made early to the date specified in Schedule III, shall be calculated as if the repayment amount
is received on the date of scheduled repayment shown in Schedule III.

Annex C

Repayment Schedule under Equated Periodic Instalment

Outstanding
Instalment Principal (in Interest (in Installment (in
Due date Principal (in
No. Rupees) Rupees) Rupees)
Rupees)
1 2025-04-05 500 162 13 175
2 2025-05-05 337 167 8 175
3 2025-06-05 171 171 4 175

* Interest on the Loan will be charged on the due date and will be compounded monthly with daily interest.
The Borrower will pay interest on the entire Payables on the due date. The Borrower acknowledges that the
repayment amount shown in Schedule II is fixed and In case of the repayment being made early to the date
specified in Schedule II, shall be calculated as if the repayment amount is received on the date of
scheduled repayment shown in Schedule II.

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
 SCHEDULE II

REPAYMENT SCHEDULE
(Illustrative)
● Refer schedule 1 Annex C
SCHEDULE III
Basis for SMA/NPA Classification Dates with examples

Category Loans Other than Revolving Facilities

Basis for classification - Principal or interest
payment or any other amount wholly or partly
overdue
SMA 0 Up to 30 days
SMA 1 More than 30 days and up to 60 days
SMA 2 More than 60 days and upto 90 days
NPA More than 90 days

Illustration-1:

If due date of a loan account is March 31, 2023, and full dues are not received before the lending
institution runs the day-end process for this date, the date of overdue shall be March 31, 2023 and the
account will be tagged as SMA 0. If it continues to remain overdue, then this account shall get tagged
as
a. SMA 1 if not paid by April 30, 2023 end of the day.
b. SMA 2 if not paid by May 30, 2023 end of the day.
c. NPA if not paid by June 29, 2023 end of the day.
Illustration -2
If the OD/CC account in excess of the sanctioned limit or drawing power, whichever is lower, on
March 31, 2023 and continues to remain overdue/excess, then this account shall get tagged as
a. SMA 1 if not paid by April 30, 20231 end of the day.
b. SMA 2 if not paid by May 30, 2023 end of the day

DECLARATION BY BORROWER
I hereby declare that the details of the Permanent Account Number (PAN) submitted by me to the
Lender is true and correct.

Verified by me on the date mentioned below.

Date: 2025-03-04
Name of the Borrower: Ravi Kumar Reddy Kasireddy

Acceptance indicated digitally by: 2025-03-04 on Ravi Kumar Reddy Kasireddy

Consent Submitted at - 2025-03-04T19:45:38.728044567
IP Address of the request - 115.98.126.235

BORROWER’S UNDERTAKINGS:

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235
I, THE ABOVE NAMED BORROWER, UNDERTAKE THAT I HAVE READ AND UNDERSTOOD
PROVISIONS OF SA INCLUDING DECLARATIONS AND UNDERTAKINGS MADE HEREIN
AND I AGREE TO ABIDE BY THEM

Loan Agreement

I hereby agree and provide consent to abide by the provisions of Agreement (as provided herein). I
understand, agree and acknowledge that the validity and enforceability of this Agreement
is contingent upon approval of my Loan Application submitted to the Lender

I further agree and understand that in the event Loan Application is approved by Lender, this
Agreement along with my Loan Application Form should constitute a legally enforceable agreement
between Lender and me. No further action for executing and/or concluding Agreement would be
required by either Lender or me.

Digitally Signed by:

Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235

eSigned using Aadhaar

Ravi Kumar Reddy Kasireddy

Date:Tue 04 Mar 2025 19:55:50 IST

Digitally Signed by:
Borrower Name : Ravi Kumar Reddy Kasireddy
Time: 2025-03-04
IP Address: 115.98.126.235