DELIVERY ADVICE

Contract No.

3504287765

Date
Valid Upto

08/04/2015
15/04/2015

To
070057
NATRAJ MOBILE AND ELECTRONICS

You are requested to deliver the following Commodity to the customer as per the details below:
Customer Name

RAMAN DEEP MAHAY

Customer's Address

-(144632), floor 0
V.P.O GHURKA,PHILLAUR,JALANDHAR, Kapurthala, PHILLAUR, Punjab, 144632

The loan has been approved by Home Credit India Finance Private Limited (HCIN):
DETAILS
Commodity Category / Type
Mobiles / Mobile phone

Manufacturer/Make
SONY

Total Commodity Price

Total Advance Payment to collect from Customer

Model Name & No.

C3

Commodity's Price
Rs. 19,700.00

Rs. 19,700.00
Rs. 8,891.00

1. The Total Advance Payment consists of Processing Fee and Advance EMI.
2. The loan documentation has been completed by the Customer. The Dealer is requested to collect the Total
Advance Payment from the Customer and deliver the Commodity to the Customer.
3. Please provide us with the copy of original invoice with signature (Proof of Delivery) so that the disbursal process
can be completed.
4. The payment of Balance Amount on Commodity shall be made after deduction, if applicable, of Interest Subsidy /
Commission payable by the Dealer.

Regards,
For Home Credit India Finance Pvt. Ltd.

Authorised Signatory

* This Delivery advice is valid upto the date mentioned above

Acknowledgement

Dealer Authorised Signatory with Stamp

CHECKLIST - FOR UNSECURED

LOANS
Document

Signature

Distribution

Consent Form

Customer

BO

Copy of Identity Proof

Customer
SA

Copy of Income Proof

Customer
SA

Copy of Current Address Proof

BO

BO

Customer
SA

BO

Application Form

Customer

BO

Delivery Advice

SA

BO

Dealer

Dealer

Vernacular Declaration

Customer

BO

Sanction Letter

Customer

Customer
BO

Promissory Note

Customer

BO

ECS Form (For Direct Debit)

Customer

BO

Cancelled Cheque

(For Direct Debit)

Invoice

BO
Customer
Dealer

Is the Invoice Amount and Loan

Amount same? YES
Full Signature of Customer done and
is same on all documents? YES

BO

DELIVERY ADVICE
Contract No.

3504287765

Date
Valid Upto

08/04/2015
15/04/2015

To
070057
NATRAJ MOBILE AND ELECTRONICS

You are requested to deliver the following Commodity to the customer as per the details below:
Customer Name

RAMAN DEEP MAHAY

Customer's Address

-(144632), floor 0
V.P.O GHURKA,PHILLAUR,JALANDHAR, Kapurthala, PHILLAUR, Punjab, 144632

The loan has been approved by Home Credit India Finance Private Limited (HCIN):
DETAILS
Commodity Category / Type
Mobiles / Mobile phone

Manufacturer/Make
SONY

Total Commodity Price

Total Advance Payment to collect from Customer

Model Name & No.

C3

Commodity's Price
Rs. 19,700.00

Rs. 19,700.00
Rs. 8,891.00

1. The Total Advance Payment consists of Processing Fee and Advance EMI.
2. The loan documentation has been completed by the Customer. The Dealer is requested to collect the Total
Advance Payment from the Customer and deliver the Commodity to the Customer.
3. Please provide us with the copy of original invoice with signature (Proof of Delivery) so that the disbursal process
can be completed.
4. The payment of Balance Amount on Commodity shall be made after deduction, if applicable, of Interest Subsidy /
Commission payable by the Dealer.

Regards,
For Home Credit India Finance Pvt. Ltd.

Authorised Signatory

* This Delivery advice is valid upto the date mentioned above

Acknowledgement

Dealer Authorised Signatory with Stamp

CHECKLIST - FOR UNSECURED

LOANS
Document

Signature

Distribution

Consent Form

Customer

BO

Copy of Identity Proof

Customer
SA

Copy of Income Proof

Customer
SA

Copy of Current Address Proof

BO

BO

Customer
SA

BO

Application Form

Customer

BO

Delivery Advice

SA

BO

Dealer

Dealer

Vernacular Declaration

Customer

BO

Sanction Letter

Customer

Customer
BO

Promissory Note

Customer

BO

ECS Form (For Direct Debit)

Customer

BO

Cancelled Cheque

(For Direct Debit)

Invoice

BO
Customer
Dealer

Is the Invoice Amount and Loan

Amount same? YES
Full Signature of Customer done and
is same on all documents? YES

BO

APPLICATION FORM
Contract No.

3504287765

CLIENT DETAILS
Name
Father's Name
Number of Children
Type of House

Date of Birth
RAMAN DEEP MAHAY
NIRMAL MAHAY
0
Parental
Joint Family

POS Code

070060

SA Code

101956

Date 08/04/2015

Gender
Marital Status
Dependents
Education

Male
Single
0
Masters, PhD

08/10/1989

true

CLIENTS CONTACT Mobile 9888602144

Current Address
-(144632), floor 0
V.P.O GHURKA,PHILLAUR,JALANDHAR, NEAR CANERA BANK,RAVIDASS GURUDWARA, Living here since
Permanent Address -(144632), floor 0
V.P.O GHURKA,PHILLAUR,JALANDHAR, NEAR CANERA BANK,RAVIDASS GURUDWARA, Living here since
CONTACTS

Contact Relation
Brother
Friend

DOCUMENTS

Document Type
PAN card
Unique ID

Name
CHANDAN X
GURWINDER SINGH

90/08
90/08

Contact phone numbers

8437066305
8427537685

ID
BUEPM8614D
565329403023

WORK EXPERIENCE
Employment Type
Permanent
Economical Status
Salaried - Other
Total Work
0
Profession
Doctor/Nurse
Industry
Medicine/Health
Company's Name
MEDICARE PATH LABS
Department
HEALTH CARE
Office Address
MEDICARE PATH LABS, floor 0
CHAHAL NAGAR,PHAGWARA, NEAR CIVIL HOSPITAL, CHAHAL MEDICAL STORE, Kapurthala, 144401
Landline
9872418726
Ext.
Employed Since
01/04/2013
MONTHLY INCOME & EXPENSES
Household Income
Rs. 70,000.00
Financial Situation

Occupation Income Rs. 14,000.00

Household Expenses Rs. 7,000.00
Salary Day 5

Additional Income
Amount of debts
Rs. 0.00
Salary Payment Mode
Cash

HOUSEHOLD ASSETS
COMMODITY
Delivery Type
FINANCE DETAILS
Date of 1st payment
Loan Amount
Processing Fee
REPAYMENT
Bank Account
Account Type

Product Category / Type

Mobiles / Mobile phone
Over the counter
08/05/2015
Rs. 19,700.00
Rs. 591.00

Manufacturer/Make
SONY

Model Name & No.

C3

Price
Rs. 19,700.00

EMI Amount
Monthly Care Fee
Payment frequency

Rs. 1,660.00
Rs. 50.00
Monthly

Term of the Loan

14
Number of Adv. EMIs 5
Flat Interest Rate
15.41 % pa

Mode
Account Holder
Bank Name
Bank's Branch

Other

ECS Upper Limit

DECLARATION
1.I declare that I am a citizen of India and all the particulars and information given in the application form are true, correct and complete and no information has been withheld/suppressed.
2. I have read the application form and I am aware of and agreeable to abide and comply with the terms and conditions of availing loan from Home Credit India Finance Private Limited (HCIN).
3. I have no insolvency proceedings against me nor have I ever been adjudicated insolvent.
4. I understand that sanction of the whole or part of loan is at the sole discretion of HCIN and upon my executing necessary security (ies) and other formalities as required by HCIN.
5. I agree that my loan shall be governed by rules of HCIN, which may be in force from time to time and HCIN shall be entitled to reject my application.
6. I agree that HCIN may provide the credit facilities mentioned herein only if permitted and if approved in the manner specified or required by the Reserve Bank of India from time to time. I
agree and understand that HCIN reserves the right to reject this application without assigning any reason (unless required by applicable laws).
7. I confirm that loan amount shall not be used for any speculative, illegal, antisocial purpose or for any purpose other than the purpose declared by me.
8. I confirm that I have been informed that the loan would be subject to Pre-payment Penalties and other charges.
9. I confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or pending against me.
10. I understand and confirm that the Application Form, photograph and all other documents submitted by me to HCIN shall not be returned to me and HCIN shall have the right to retain the
same.
11. I acknowledge that information given in the loan application shall form basis of any loan HCIN may decide to grant me.
12. I confirm having received, read and fully understood the terms and conditions applicable to the loan application and accept the terms and conditions unconditionally.
13. I hereby confirm that I am competent and fully authorised to give this declaration/ undertaking and to execute and submit this Application Form and all other documents for the purpose of
availing loan, creation of security and representing generally for all the purposes mentioned/required to be done for these presents.

Date

08/04/2015

Place

PHAGWARA

Applicant's Signature

DECLARATION /
To,
Home Credit India Finance Private Limited,
Gurgaon, Haryana-122003
Ref: Contract ID No. 3504287765 for loan from Home Credit India Finance Private Limited (HCIN)
Dear Sir/ Madam,
With reference to aforesaid contract, I would like to confirm and declare that I can read, write and understand
____________________________ (English/ Punjabi/ Both English and Punjabi) as a language.
HCIN Representative has informed and explained me, with clarity, in the ____________________________________ (English/
Punjabi/ Both English and Punjabi) language known to me all the terms and conditions for the grant of loan to me, including, the
sanctioned loan amount, interest rate payable on the loan amount, the method of calculating interest and the duration for which
interest are required to be paid and all the contents of the sanction letter, consent form, demand promissory note and of other
documents.
HCIN Representative has also informed and explained me, with clarity, in the____________________________________ (English/
Punjabi/ Both English and Punjabi) language, all penalties charged on late payment, or non-payment, of loan amount and/ or interest
thereon, the charges/ fees that may be charged for services, if any, provided by HCIN to me and the actions, HCIN is entitled to take,
in case of any breach of terms and conditions for the loan.
I declare that whatever I have stated hereinabove is true and correct to the best of my knowledge and belief.
Solemnly affirmed on this _____ day of __________ 20___ at _______________________________.
Borrowers Name_______________________

Borrowers sign:_______________

Contract No.

3504287765

Unique Customer Identification Code 336100

Date 08/04/2015

To
RAMAN DEEP MAHAY
-(144632), floor 0, V.P.O GHURKA,PHILLAUR,JALANDHAR
PHILLAUR, Kapurthala, Punjab, 144632

Sub: Sanction of Loan Amount Rs. 19,700.00

Dear Mr/Ms. RAMAN DEEP MAHAY
Please refer to your Loan Application No. 3504287765 dated 08/04/2015 forwarding the captioned application for financial assistance by way of
loan for our consideration. We are pleased to advise that we are agreeable to sanction Loan Amount with following details:
ASSETS

Category
Mobiles

LOAN DETAILS
Loan Amount
Amount Of Adv. EMIs
No. of Advance EMI
Total No. of EMI
Processing Fee

Rs. 19,700.00
Rs. 8,300.00
5
14
Rs. 591.00

Type
Mobile phone

Manufacturer
SONY

Flat Interest Rate

EMI Amount
Monthly Customer Care Fee
Monthly Payment

15.41 % pa
Rs. 1,660.00
Rs. 50.00
Rs. 1,710.00

Model Name & No.

C3

Date of 1st payment 08/05/2015

Date of last payment 08/01/2016
Payment frequency Monthly
Due Day
08
Effective Date
08/04/2015

LATE PAYMENT CHARGES (Payment later than the Due Day)

Past Due 5 days

Rs. 300.00

Past Due 30 days

Rs. 400.00

Past Due 60 days

Rs. 500.00

Past Due 90 days

Rs. 700.00

OTHER CHARGES & PENALTIES DETAILS

Prepayment Penalty

5.00 % of Future principal (not allowed before 4 months)

ECS/Direct Debit Swap Fee

Rs. 200.00

ECS/Direct Debit Dishonour Penalty

Rs. 300.00

Transaction fee of Rs. 30.00 will be payable in addition to the monthly payment in case payment is made through State Bank Of India
Branches.
IMPORTANT INFORMATION
1. This offer is valid for 24 Hours from the date of issue unless otherwise extended by Home Credit India Finance Private Limited (HCIN) at its sole discretion.
2. Besides the terms and conditions mentioned in this Sanction Letter, the sanction of the Loan Amount shall also be subject to the compliance by the Borrower of the General Terms and
Conditions registered with Sub-Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.7820 dated 26th June 2013 the copy of which has been
provided along with this Sanction Letter.
3. The Repayment Schedule for loan shall be provided on request.
4. Monthly Payment consists of EMI and the Monthly Customer Care Fee.
5. Total Advance Payment is the aggregate of Advance EMI and Processing Fee.
6. The interest on the Loan Amount has been charged at flat rate basis and shall remain fixed during the period of loan.
7. The charges and fees mentioned above are inclusive of services tax, duties, statutory fees, charges and other levies imposed by any Government Authority from time to time.
8 The late payment penalties are cummulative in nature.
9. HCIN reserves the right to revise, from time to time, the amount of penalties, charges and fees at its sole discretion. The revised penalties, charges and fees shall be provided on the website
of HCIN.The Borrower is requested to visit the website of HCIN for revised charges and fees.
10. If the borrower is not satisfied with the terms & conditions of this loan, he/she may terminate this loan agreement by repaying the Outstanding Balance of Loan Amount to HCIN within 15
days from the date of this Sanction Letter. No Prepayment Penalty shall be charged to the Borrower in such case, however, the Processing Fee shall not be adjusted against the Outstanding
Balance. After 15 days from the date of this Sanction Letter, any prepayment/ foreclosure of the Loan shall be at the sole discretion of HCIN and subject to the specified conditions and payment
of prepayment penalties by the Borrower.
11.The Borrower hereby grants permission to the Company to contact him any time between 0700 hours to 2100 hours from Monday to Sunday to discuss the current status of his loan account.
He shall inform the Company if some other time is convenient for him by calling our Customer Care at 1800 121 6660.
12. In case the Borrower has selected Electronic Clearing Service (ECS) as the mode of paying Monthly Payment, the Borrower is requested to read and understand the procedure and
conditions for ECS.
13. In case the Borrower has selected Third Party Cash Collection as the mode of paying Monthly Payment, such payment shall be made only to the kiosks/ outlets of our authorised repayment
channels.The details of the nearest kiosks/ outlets of authorised repayment channels cab be collected from the website of respective payment partners or calling at their customer care numbers.
Such information can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in. A nominal fee for each transaction shall be payable to the
Repayment Channel. The Borrower is requested to update himself with any change in Repayment Channels and their respective fee.
14. The event based payments (including charges, fees and penalties) can also be paid to HCIN through "Third Party Cash Collection" mode or through "Net Banking".The details of Net Banking
are provided at the website of HCIN and can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in.
15. HCIN shall, on receipt of request in writing from the Borrower, send the No Objection Certificate within 30 days of receipt of such request on payment of applicable charges provided the
Borrower has paid all dues to HCIN.
16. For any query on your Loan Account, please write in to us at care@homecredit.co.in with complete details (i.e. Contract ID, Name of the Applicant and Details of the query) or call us at 1800
121 6660.

Please put your signature as token of your acceptance of all the above terms and conditions.
We value your relationship with us and assure you of our best services at all times.
Best Regards
For Home Credit India Finance Pvt. Ltd.
AUTHORIZED SIGNATORY
Note: This is a computer generated document and therefore does not require the signature from the Company.
I hereby confirm that I have read and understood clearly the General Terms and Conditions pertaining to
the Personal Loans and POS Loans registered with Sub-Registrar of Assurances at Gurgaon (Haryana)
under the Deed of Declaration having Registration No.7820 dated 26th June 2013 and the terms and
conditions mentioned in this Sanction Letter and undertake to abide by these terms and conditions during
the tenure of the Loan. I confirm that I have received the copy of the General Terms and Conditions.
Borrower's Name:

RAMAN DEEP MAHAY

Date:

08/04/2015

Place:

PHAGWARA

Borrower's Signature:

REPAYMENT DETAILS

(keep this in your wallet for easy reference)

Dear Customer, thank you for choosing Home Credit as your finance partner for
Contract No.: 3 5 0 4 2 8 7 7 6 5
Monthly Payment Amount: Rs. 1,710.00
Monthly Payment Due Day: 8th of every month till 08/01/2016 (inclusive).
For any query with Home Credit, please call us on 1800 121 6660 or email us at care@homecredit.co.in

1710/-

350428776
8

1710/-

8
1710/-

Payment Channels Website

Mode

Transaction Fee*

INDIA POST

www.indiapost.gov.in

Payment at post offices (E-Payment)

Rs. 28/- (incl. Taxes)

SBI

www.onlinesbi.in

Payment at branches using Power Jyoti

Rs. 30/- (incl. Taxes)

AXIS BANK

www.axisbank.com

Payment in branches using Easy Pay

Rs. 23/- (Incl. Taxes)

SUVIDHAA

www.suvidha.com

Agent based Outlets

Rs. 28/- (incl. Taxes)

EASY BILL

www.easybillindia.com

Agent based Outlets

Rs. 20/- (Incl. Taxes)

ITZ

www.itzcash.com

Agent based Outlets

Rs. 20/- (Incl. taxes)

CPU fee

www.homecredit.in

Cash pickup

Rs. 25/- (Incl. taxes)

How to make an easy payment:

1. If you choose to pay in CASH option:

Please input the correct contract number i.e.

3504287765 while making the payment.
Please make the payment at least 2 days before the Due Day i.e. 8th of every month to allow for the transaction time.
Without payment deposit receipt your payment is not valid. Please maintain your payment receipt with correct details for future references.
Add the above mentioned transaction fee to your Monthly Payment amount i.e.
Rs. 1,710.00
while making the payment.
(e.g. please add the transaction fee of Rs. 23 along with your Monthly Payment amount if you pay the money through Axis Bank)
Penalty (starting from Rs. 300/-) will be levied where the full payment is received after the Due Day.
If the Customer wants to pay through cash pick channel (i.e. CPU Fee), he has to raise request to the Company in advance providing
clearly the time and place of making such payment. This facility shall be provided in a limited geographical jurisdiction and subject to
availability of staff/ representative with Home Credit. No amount shall be collected unless the Customer pays cash pick-up fee along with
Monthly Payment.

2.

If you choose to pay through Electronic Clearing Service (ECS Debit) option:
Maintain sufficient balance in your bank account at least 2 days before the Due Day on 8th of each month and keep it till
12th
to avoid dishonor of ECS instruction.
Penalty ( starting from Rs. 300/- ) will be levied where the full payment is received after the Due Day i.e. 8th of every month.
Additional Penalty will be charged by your bank in case of transactions bounced due to insufficient funds.
Dishonor of ECS instruction due to insufficiency of funds can be considered as a criminal offence and the Company reserves the
right to initiate appropriate legal proceeding against the defaulters in such cases.
Please inform Home Credit one month in advance in the event of any change in the bank details.

(*) subject of change, please refer our website

CASH PAYMENT PROCEDURE

India POST OFFICES
o Visit any of Post office (E-payment facility should be available) for payment.
o Write in your details like Contract Number, Company name, Amount + Service fee and Mobile number on a
piece of white paper.
o Submit this paper along with the payment amount at the counter.
o The operator will process the payment and confirm.
o Collect the payment deposit receipt from the retailer.
SBI - Payment at Bank branch via CASH
o Visit any of nearest SBI branch.
o Please fill up the standard Deposit slip available at Branch
*
*
*
*
*
*
*

SCREEN NUMBER:8888
FEE TYPE:274
Contract Number (Provided by Home Credit while taking loan/Refer sanction letter)
Date of deposit
Contact number
Branch name
Fill amount (monthly payment amount+ transaction fee along with the denominator)

o Pay the monthly amount along with the transaction fee of Rs.30
o Deposit the amount at Cash Counter
o Collect the signed & stamped Deposit receipt from the cash counter.
Axis Bank- Payment at Bank branch by using Easy pay Service
o Visit any of nearest Axis Bank branch.
o Ask for the payment through Easy pay service.
o Please fill up the standard Deposit slip available at Branch.
* Contract ID in place of Account number
* Customer name
* Date of deposit
* Contact number
* Branch name
o Pay the monthly amount along with the transaction fee of Rs.23
o Deposit the amount at Cash Counter
o Collect the signed & stamped Deposit receipt from the cash counter.
Easy Bill, ITZ Outlet
o Visit any of nearest agent based EASY BILL & ITZ outlet.
o Tell outlet person to make the payment towards Home Credit India loans due and tell him contract ID.
o Pay the monthly amount along with the transaction fee Rs.20.
o Collect the Printed Deposit slip from the Outlet person.
o Get an SMS also against the payment made at the outlet.
Suvidhaa Outlet
o Visit any of SUVIDHAA outlet for payment.
o Carry your mobile phone mandatorily while visiting any of SUVIDHAA outlet for payment.
o Please provide your mobile number and contract ID to the retailer.
o After that please provide your e-mail ID and also hand over the monthly payment amount to the retailer
along with transaction fee of Rs. 28.
o Once the retailer enters the amount and the other details in system, an OTP is generated.
o Customer gets an SMS on its mobile phone containing OTP & the amount entered in the system. If the
amount is correct, then please share OTP to the retailer.

Cash pick-up (CPU)

o The Customer has to raise a request with Home Credit clearly specifying the time and place of making
payment through cash pickup. The operator of Home Credit shall explain the terms and conditions of CPU
to the Customer and obtain his consent/ confirmation.
o Home Credits representative shall visit the place at the time mentioned by the Customer in his request.
o The Customer shall be required to pay a fee of Rs.25 for cash pick up along with amount promised to pay
during request failing which, the Cash Pick up facility shall not be provided.
o Home Credits representative shall collect the money from the customer and issue two (2) receipts i.e. one
for cash pick up fee and other for EMI/Promised amount.
Important Information:
o For any issue or information regarding the payment method please call on our Customer care at
1800 121 6660
o Kindly retain all the payment receipt for your future reference against the transactions.

Contract No.

3504287765

Unique Customer Identification Code 336100

Date 08/04/2015

To
RAMAN DEEP MAHAY
-(144632), floor 0, V.P.O GHURKA,PHILLAUR,JALANDHAR
PHILLAUR, Kapurthala, Punjab, 144632

Sub: Sanction of Loan Amount Rs. 19,700.00

Dear Mr/Ms. RAMAN DEEP MAHAY
Please refer to your Loan Application No. 3504287765 dated 08/04/2015 forwarding the captioned application for financial assistance by way of
loan for our consideration. We are pleased to advise that we are agreeable to sanction Loan Amount with following details:
ASSETS

Category
Mobiles

LOAN DETAILS
Loan Amount
Amount Of Adv. EMIs
No. of Advance EMI
Total No. of EMI
Processing Fee

Rs. 19,700.00
Rs. 8,300.00
5
14
Rs. 591.00

Type
Mobile phone

Manufacturer
SONY

Flat Interest Rate

EMI Amount
Monthly Customer Care Fee
Monthly Payment

15.41 % pa
Rs. 1,660.00
Rs. 50.00
Rs. 1,710.00

Model Name & No.

C3

Date of 1st payment 08/05/2015

Date of last payment 08/01/2016
Payment frequency Monthly
Due Day
08
Effective Date
08/04/2015

LATE PAYMENT CHARGES (Payment later than the Due Day)

Past Due 5 days

Rs. 300.00

Past Due 30 days

Rs. 400.00

Past Due 60 days

Rs. 500.00

Past Due 90 days

Rs. 700.00

OTHER CHARGES & PENALTIES DETAILS

Prepayment Penalty

5.00 % of Future principal (not allowed before 4 months)

ECS/Direct Debit Swap Fee

Rs. 200.00

ECS/Direct Debit Dishonour Penalty

Rs. 300.00

Transaction fee of Rs. 30.00 will be payable in addition to the monthly payment in case payment is made through State Bank Of India
Branches.
IMPORTANT INFORMATION
1. This offer is valid for 24 Hours from the date of issue unless otherwise extended by Home Credit India Finance Private Limited (HCIN) at its sole discretion.
2. Besides the terms and conditions mentioned in this Sanction Letter, the sanction of the Loan Amount shall also be subject to the compliance by the Borrower of the General Terms and
Conditions registered with Sub-Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.7820 dated 26th June 2013 the copy of which has been
provided along with this Sanction Letter.
3. The Repayment Schedule for loan shall be provided on request.
4. Monthly Payment consists of EMI and the Monthly Customer Care Fee.
5. Total Advance Payment is the aggregate of Advance EMI and Processing Fee.
6. The interest on the Loan Amount has been charged at flat rate basis and shall remain fixed during the period of loan.
7. The charges and fees mentioned above are inclusive of services tax, duties, statutory fees, charges and other levies imposed by any Government Authority from time to time.
8 The late payment penalties are cummulative in nature.
9. HCIN reserves the right to revise, from time to time, the amount of penalties, charges and fees at its sole discretion. The revised penalties, charges and fees shall be provided on the website
of HCIN.The Borrower is requested to visit the website of HCIN for revised charges and fees.
10. If the borrower is not satisfied with the terms & conditions of this loan, he/she may terminate this loan agreement by repaying the Outstanding Balance of Loan Amount to HCIN within 15
days from the date of this Sanction Letter. No Prepayment Penalty shall be charged to the Borrower in such case, however, the Processing Fee shall not be adjusted against the Outstanding
Balance. After 15 days from the date of this Sanction Letter, any prepayment/ foreclosure of the Loan shall be at the sole discretion of HCIN and subject to the specified conditions and payment
of prepayment penalties by the Borrower.
11.The Borrower hereby grants permission to the Company to contact him any time between 0700 hours to 2100 hours from Monday to Sunday to discuss the current status of his loan account.
He shall inform the Company if some other time is convenient for him by calling our Customer Care at 1800 121 6660.
12. In case the Borrower has selected Electronic Clearing Service (ECS) as the mode of paying Monthly Payment, the Borrower is requested to read and understand the procedure and
conditions for ECS.
13. In case the Borrower has selected Third Party Cash Collection as the mode of paying Monthly Payment, such payment shall be made only to the kiosks/ outlets of our authorised repayment
channels.The details of the nearest kiosks/ outlets of authorised repayment channels cab be collected from the website of respective payment partners or calling at their customer care numbers.
Such information can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in. A nominal fee for each transaction shall be payable to the
Repayment Channel. The Borrower is requested to update himself with any change in Repayment Channels and their respective fee.
14. The event based payments (including charges, fees and penalties) can also be paid to HCIN through "Third Party Cash Collection" mode or through "Net Banking".The details of Net Banking
are provided at the website of HCIN and can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in.
15. HCIN shall, on receipt of request in writing from the Borrower, send the No Objection Certificate within 30 days of receipt of such request on payment of applicable charges provided the
Borrower has paid all dues to HCIN.
16. For any query on your Loan Account, please write in to us at care@homecredit.co.in with complete details (i.e. Contract ID, Name of the Applicant and Details of the query) or call us at 1800
121 6660.

Please put your signature as token of your acceptance of all the above terms and conditions.
We value your relationship with us and assure you of our best services at all times.
Best Regards
For Home Credit India Finance Pvt. Ltd.
AUTHORIZED SIGNATORY
Note: This is a computer generated document and therefore does not require the signature from the Company.
I hereby confirm that I have read and understood clearly the General Terms and Conditions pertaining to
the Personal Loans and POS Loans registered with Sub-Registrar of Assurances at Gurgaon (Haryana)
under the Deed of Declaration having Registration No.7820 dated 26th June 2013 and the terms and
conditions mentioned in this Sanction Letter and undertake to abide by these terms and conditions during
the tenure of the Loan. I confirm that I have received the copy of the General Terms and Conditions.
Borrower's Name:

RAMAN DEEP MAHAY

Date:

08/04/2015

Place:

PHAGWARA

Borrower's Signature:

REPAYMENT DETAILS

(keep this in your wallet for easy reference)

Dear Customer, thank you for choosing Home Credit as your finance partner for
Contract No.: 3 5 0 4 2 8 7 7 6 5
Monthly Payment Amount: Rs. 1,710.00
Monthly Payment Due Day: 8th of every month till 08/01/2016 (inclusive).
For any query with Home Credit, please call us on 1800 121 6660 or email us at care@homecredit.co.in

1710/-

350428776
8

1710/-

8
1710/-

Payment Channels Website

Mode

Transaction Fee*

INDIA POST

www.indiapost.gov.in

Payment at post offices (E-Payment)

Rs. 28/- (incl. Taxes)

SBI

www.onlinesbi.in

Payment at branches using Power Jyoti

Rs. 30/- (incl. Taxes)

AXIS BANK

www.axisbank.com

Payment in branches using Easy Pay

Rs. 23/- (Incl. Taxes)

SUVIDHAA

www.suvidha.com

Agent based Outlets

Rs. 28/- (incl. Taxes)

EASY BILL

www.easybillindia.com

Agent based Outlets

Rs. 20/- (Incl. Taxes)

ITZ

www.itzcash.com

Agent based Outlets

Rs. 20/- (Incl. taxes)

CPU fee

www.homecredit.in

Cash pickup

Rs. 25/- (Incl. taxes)

How to make an easy payment:

1. If you choose to pay in CASH option:

Please input the correct contract number i.e.

3504287765 while making the payment.
Please make the payment at least 2 days before the Due Day i.e. 8th of every month to allow for the transaction time.
Without payment deposit receipt your payment is not valid. Please maintain your payment receipt with correct details for future references.
Add the above mentioned transaction fee to your Monthly Payment amount i.e.
Rs. 1,710.00
while making the payment.
(e.g. please add the transaction fee of Rs. 23 along with your Monthly Payment amount if you pay the money through Axis Bank)
Penalty (starting from Rs. 300/-) will be levied where the full payment is received after the Due Day.
If the Customer wants to pay through cash pick channel (i.e. CPU Fee), he has to raise request to the Company in advance providing
clearly the time and place of making such payment. This facility shall be provided in a limited geographical jurisdiction and subject to
availability of staff/ representative with Home Credit. No amount shall be collected unless the Customer pays cash pick-up fee along with
Monthly Payment.

2.

If you choose to pay through Electronic Clearing Service (ECS Debit) option:
Maintain sufficient balance in your bank account at least 2 days before the Due Day on 8th of each month and keep it till
12th
to avoid dishonor of ECS instruction.
Penalty ( starting from Rs. 300/- ) will be levied where the full payment is received after the Due Day i.e. 8th of every month.
Additional Penalty will be charged by your bank in case of transactions bounced due to insufficient funds.
Dishonor of ECS instruction due to insufficiency of funds can be considered as a criminal offence and the Company reserves the
right to initiate appropriate legal proceeding against the defaulters in such cases.
Please inform Home Credit one month in advance in the event of any change in the bank details.

(*) subject of change, please refer our website

CASH PAYMENT PROCEDURE

India POST OFFICES
o Visit any of Post office (E-payment facility should be available) for payment.
o Write in your details like Contract Number, Company name, Amount + Service fee and Mobile number on a
piece of white paper.
o Submit this paper along with the payment amount at the counter.
o The operator will process the payment and confirm.
o Collect the payment deposit receipt from the retailer.
SBI - Payment at Bank branch via CASH
o Visit any of nearest SBI branch.
o Please fill up the standard Deposit slip available at Branch
*
*
*
*
*
*
*

SCREEN NUMBER:8888
FEE TYPE:274
Contract Number (Provided by Home Credit while taking loan/Refer sanction letter)
Date of deposit
Contact number
Branch name
Fill amount (monthly payment amount+ transaction fee along with the denominator)

o Pay the monthly amount along with the transaction fee of Rs.30
o Deposit the amount at Cash Counter
o Collect the signed & stamped Deposit receipt from the cash counter.
Axis Bank- Payment at Bank branch by using Easy pay Service
o Visit any of nearest Axis Bank branch.
o Ask for the payment through Easy pay service.
o Please fill up the standard Deposit slip available at Branch.
* Contract ID in place of Account number
* Customer name
* Date of deposit
* Contact number
* Branch name
o Pay the monthly amount along with the transaction fee of Rs.23
o Deposit the amount at Cash Counter
o Collect the signed & stamped Deposit receipt from the cash counter.
Easy Bill, ITZ Outlet
o Visit any of nearest agent based EASY BILL & ITZ outlet.
o Tell outlet person to make the payment towards Home Credit India loans due and tell him contract ID.
o Pay the monthly amount along with the transaction fee Rs.20.
o Collect the Printed Deposit slip from the Outlet person.
o Get an SMS also against the payment made at the outlet.
Suvidhaa Outlet
o Visit any of SUVIDHAA outlet for payment.
o Carry your mobile phone mandatorily while visiting any of SUVIDHAA outlet for payment.
o Please provide your mobile number and contract ID to the retailer.
o After that please provide your e-mail ID and also hand over the monthly payment amount to the retailer
along with transaction fee of Rs. 28.
o Once the retailer enters the amount and the other details in system, an OTP is generated.
o Customer gets an SMS on its mobile phone containing OTP & the amount entered in the system. If the
amount is correct, then please share OTP to the retailer.

Cash pick-up (CPU)

o The Customer has to raise a request with Home Credit clearly specifying the time and place of making
payment through cash pickup. The operator of Home Credit shall explain the terms and conditions of CPU
to the Customer and obtain his consent/ confirmation.
o Home Credits representative shall visit the place at the time mentioned by the Customer in his request.
o The Customer shall be required to pay a fee of Rs.25 for cash pick up along with amount promised to pay
during request failing which, the Cash Pick up facility shall not be provided.
o Home Credits representative shall collect the money from the customer and issue two (2) receipts i.e. one
for cash pick up fee and other for EMI/Promised amount.
Important Information:
o For any issue or information regarding the payment method please call on our Customer care at
1800 121 6660
o Kindly retain all the payment receipt for your future reference against the transactions.

PROMISSORY NOTE
Contract No.

3504287765

Rs. 15,390.00
ON DEMAND I/we RAMAN DEEP MAHAY promise to pay to Home Credit India Finance Private Limited or
order, the sum of Rs. 15,390.00 from this date onwards for value received payable at Punjab

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

Name

RAMAN DEEP MAHAY

Signature

Revenue
Stamp
Date

08/04/2015