Registered Office:No. 29/1, Sir.

M N Krishna Rao Branch Address:5-122 OPP Azam Hotel, R P Road, Secunderabad

Road,Lalbagh West,Banagalore,Karnataka,560 004 Hyderabad, Telangana
CIN:L8511OKA1987PLC008699
Phone:080-26567655 Fax:080-26565746 SECUNDERABAD,HYDERBAD,
TELANGANA-500092,
Email:development@axisfinance.com
Phone: 9393296782,
Website:www.axisfinance.com
Emai I: bm.secunderabad@afspl.com

Sanction Letter

File Number 2009202300347 Date : 30-12-2024

Name of the borrowers HARIANTH TRADERS

Address P No 120 1st Floor,

Gachibowli,
Hyderabad,
TELANGANA- 500032

Mob No +91- 9103595533

Dear Sir/Madam,
With reference to your application dated 20-11-2024 weare pleased to inform you that we have in principle, sanctioned
the loan for the purpose of Purchase of Ready Buit commercial property situated at Survey No: 156/1 PURCHASE Plot
No 47" ,Macha Bollaram Village",, Medchal-Malkajgiri Manda! ,Rangareddy , Telangana-5OOO111

Type of loan Loan Amount Risk Rate Of Tenure of the Equated Monthly Installments (EMls)
( Product) Rs Rating lnteres t(ROI) Loan-Years
Tenure Amount Commencing From •
COMMERCIAL
980.00Lakhs SI 10.50% 15 180 10,83,288/-
PURCHASE

Special Conditions:

The ROI, repayment period and all other general terms and conditions will be subject to change from time to time as
notifie d in the company's website www.axisfinance.com I Notice Board of the Company. The disbursement of the
sanctioned loan is subject to your acceptance and compliance of all terms & conditions as per annexure-1, FPC & MITC,
execution of prescribed documents and providing the prescribed se curity. The disbursement of the loan is at the sole
discretion of the company and does not vest any right with the borrower to claim the disbursement of the loan as a matter
of right. Thecompany may cancel/ modify any of theterms and conditions of the loan or withhold part or full amount of
the loan without assigning any reason whatsoever.

If the terms and conditions are acceptable to you, please call on us along with the guaranter/co-applicantls & execute the
required loan documents along with the relevant property documents.

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ACCEPTANCE NOTE

Dear Sir/Madam,

With reference to your above offer dated 30-12-24 to sanction a sum of Rs.980.00Lakhs to me/us:
1. I/we confirm that I/we have fully read and understood the basic terms and conditions of this sanction letter along with
annexures and accept the terms.

2. a I/we have also read and understood terms and conditions specified in the Fair Practices Code ( FPC) and Most
Important Terms and Conditions (MITC) and accept the same. •

2. b I/We, confirm that I/We have ful� read and understood the Conditional Terms on Rate of Interest, under the Affordable
Housing Loan- Rural/Urban scheme.

3. I/We submit acknowledged copy of this sanction letter to you.

4. I/We duly accepting the terms & conditions as required vide clause 18 of the annexure of sanction communication letter.

5. I/We retain other copy of this sanction communication, FPC and MITC for our reference and records.

Conditions:

1. Spouse to come in the loan structure.

2. Technical and Legal to be positive.
3. All Verifications to be positive.

1. Borrowerls : HARIANTH TRADERS Place: HYDERABAD

2. Co-Applicant :
Date : 30-12-2024

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Annexurel F-12

I. The ROI is subject to change from time to time, as notified in our website/ branch Notice Board. For changes in the ROI, please refer the paragraph
no. VIII (1) of Fair Practice Code enclosed. Interest will be charged on daily diminishing balance and debited once in a month.

2. The ROI is subject to revision at periodical intervals based on the risk rating awarded by the branch from time to time during the review.

3. Pre-EMI Interest (PEMI) at the applicable rate, shall be paid on the part disbursements availed, from the respective date/s of disbursements, until
the date of commencement of EMI.

4. The PEMI/EMls shall be remitted on due dates either by NACH, Post-dated cheques, salary deductions or remittance of cash at the branch.
Whatever be the mode of remittance, borrower shall ensure that the remittance is done within the due dates.

5. The delay in payment of PEMI/EMI attracts overdue/penal interest of 24% p.a compounded monthly on the overdue amount for the delayed period
only.

6. Chang es, if any, in the terms and conditions of the loan other than rate of Interest will be made only with prospective effect and the change will be
notified. If such change is not acceptable to you then :,,,iu may pre-close the account within 60 days without paying any pre-paymenU pre-closure
charges.

7. The loan shall be secured by First Mortgage of the immovable property purchased and/or constructed with the loan granted from AFSPL and
personal guarantees as acceptable to AFSPL collateral security of any other immovable property and /or such other security lies as stipulated
specifically by AFSPL and legal clearance by the panel Advocate of the Company.

8. All charges or expenses for creation of security in respect of this loan, in favour of AFSPL shall be borne by the borrower(s). You are required to pay
processing fee, documentation charges, CERSAI, CIBIL Legal charges etc. as specified in chapter VIII (4) to (11) of FPC.

9. You shall submit suitable recovery mandate to your bank wherever emi deduction facility is available or NACH mandates to your bankers through
AFSPL for e-remittances (payments or receipts through Electronic Clearing System (NACH/ NEFT/ RTGS) and provide not less than 10 Post-dated
cheques (PDCs).11 NACH facility is not available at the centre, then you have to give 24 PDCs per year at the time of execution of loan documents and
thereafter@ 12 PDCs each year.

10. The loan will be disbursed in lump sum or in suitable Instalments at your specific requesV authorisation in writing and based on progress of
construction/ as perthe construction agreement with the builder or as may be determined by AFSPL The Company will not accept any liability/
responsibility for any breach in the contract on the part of builder or any deficiency in service/ quality of construction by the builder/ contractor.

11. The entire loan shall be availed within a stipulated period from the date of first disbursement of the loan, the same is given below. The maximum
period permitted for availing the loan is 3 months, in the case of purchase, 18 months in case of construction/ Composite loans, 36 months in case of
Flat under construction. If not availed with in the specific period, unavailed portion of the loan automatically gets lapsed/cancelled and AFSPL
reserves the right to modify/ change the EMI.

12.EMI for various loan products shall commence as outlined in point no. 6 (v) of the Most important terms and conditions (MITC).

13. AFSPL reserves the right to stop disbursement/ further disbursements at anytime, at any stage, if the Company notices that the information
furnished by the borroweris /guarantor/ employer/ of the property is/are not correct or any diversion or misuse of the loan is observed at any stage
or any breach of covenants of the agreement are observed.

14. If the borrower fails to utilize the loan amount for the purpose for which it has been sanctioned and/or makes any changes in execution of his
project, AFSPL reserves the right to recall the liability at its sole discretion and levy penalties and or/ initiate appropriate legal proceedings.

15. You shall inform AFSPL in writing, about any change in the information furnished to AFSPL for getting the loan sanctioned and also regarding
change in mobile no., change/ loss of job, business, profession (as the case may be) immediately you shall also furnish a statement of your income
every year and such other information/documents whenever called for by AFSPL

16. In case of Composite Loan the following Conditions

1) Composite Loans -Rate of interest as applicable to site loan will be charged with retrospective effect, if the construction does not start within 18
months/ 36 months and borrower has not fully availed the loan sanctioned. In the case of Composite loans, though the rate of interest applicable to
Housing loans is charged, EMI/PEMI shall be stipulated at the rate applicable to site loans from the beginning on the amount disbursed for
purchase of site. If, the customer avails the balance of loan for construction of the house, EMI shall be re-fixed after full disbursement of the loan as
applicable to housing loans. The amountpaid in excess in the initial stage shall be treated as advance payment or instalment shall be re-fixed for
the balance amount for the balance period. If the customer fails to avail the loan and construct the house, the loan shall be converted into a site
loan immediately after completion of 18 months. The differential interest shall be debited to the account without changing the EMI

2) In case the loan is pre closed before availing the construction loan, then also site loan ROI will be charged from the date of first disbursement.

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17. This sanction is based on your confirmation:

(a) That the information furnished in the loan application and the enclosed documents are all genuine, true and correct and there is no
misrepresentation offacts in any manner.
(b) That the property intended to be mortgaged by you in favour of AFSPL has a valid, clear and marketable title and that you have taken
independent legal opinion/ advises regarding the same to satisfy yourselves about genuiness of the documents/ KYC norms for all the previous
vendors of the property/ builder/as the case may be.
(c) That the plan of lay-out/ house/apartment is duly approved from the appropriate competent authorities and you have ensured adherence to the
same and to that effect you have to execute an affidavit as per NHB guidelines.
(d) All other civic approvals, pennissions, licenses are obtained as per prevailing local/ state or other laws in force from time to time and will be
obtained whenever necessary.
(e) Borrowers should ensure that the building proposed to construct/purchase adheres to building norms & technical specifications laid down by
National Building Code.
18.This sanction letter shall be revoked/ cancelled/ treated as absolutely null and void if;

(a) There are any material changes in the proposal

(b) Any material fact concerning your income or ability to repay, or any other relevant aspect of your proposal or your application for loan is
withheld, suppressed, concealed or not made known to us;
(c) Any statement made in the loan application is found to be incorrect or untrue;
(d) The terms and conditions of the sanction letter (Acceptance Note) are not accepted in writing by you within 30 days from the date of this letter.

19. Copy of the loan documents along with relevant enclosures will be made available at the specific request of the borrower after completion of all
documentation formalities.

20. This loan sanction letter is sent in duplicate along with a copy of Fair Practices Code (FPC) and Most lmportantTenns & Conditions (MITC) for
your reference and records. If the terms and conditions of this sanction letter and FPC, are acceptable to you, kindly sign the· Acceptance
Note' (marked below) in token of your acceptance and return the duplicate copy of this sanction letter within 30 days from the date of this letter to
us, together with a Cheque/Demand Draft, marked • Payees Account Only' for' Rs. _ _ _ _ �.in favour of AXIS FINANCIAL SERVICES
PRIVATE LIMITED , towards balance processing charges.

Branch Manager

Encl: Fair Practices Code (FPC) and Most Important Terms and Conditions (MITC) - containing all other conditions

Registered Office: No. 29/1, Sir.M N Krishna Rao Road, lalbagh West, Bangalore, Karnataka.
CIN: l85110KA1987PLC008699 Phone: 080-26570155 Website: www.axisfinance.com

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