Form No.

:1030033253

Sourcing Channel g
c Branch
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f c DST
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g c DSA
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g c PBK
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g c Web
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g c Referral Sales
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g NET
b Other Channel (Specify)
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Source 1 Source 2 NET Source 3 Source 4
Branch Code LTS/CRMN No. Sales Promo Code NETSTP LG Code
SM Emp Code SE Code DSA/DDSA Name
ASM Emp Code TSE Code DSA/DDSA Vendor Code Dealer SE Code
RSM Emp Code TL Code

CUSTOMER SECTION (to be filled by the Customer in CAPITAL LETTERS)

I Wish to apply for below ticked ()loan and request you to process the loan application as per details provided in the form Application date 12-Jul-2017

c New Car Loan g

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g c New Two Wheeler Loan g
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f c Used Car Loan g
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f b Used Two Wheeler Loan
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Existing Customer Cust Id 54350950 Saving/Current A/C no. 50100036454978 Loan no. 1030033253

A. PERSONAL DETAILS (Leave space between two words)

Title c Mr.
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g b Ms.
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g c Dr.
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g g Applicant
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f g Co-Applicant g
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f Guarantor PAN No. ABDPW9394D

Applicant Name BHARTI SANJAY WAGHMARE

Father's/
Husband'Name
Date of Birth/Incorporation 28/01/1973 Gender F Status g
c Single g
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f b Married
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f No.of Dependents
SC c ST
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g c
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Education Details g
c Undergraduate g
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f c Graduate g
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f c Post Graduate & above g
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f b Others PROFESS
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f Religion HN
OBC g
c Other g
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f b
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Present Address C/O SANJAY ARGADE,KINARA APPARTMENT,FLAT

(Residence) NO.13/1,MHALASKAR WADI,TALEGAON DABHADE
Landmark Years at current city
City PUNE PIN Code 410510 Years at current residence
State MAHARASHTRA Country INDIA Aadhar Card No.
Tel (R/0) - Mobile no. 9860133122
e-mail ID divyabhartisanjay@GMAIL.COM
Present Address is c Owned
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g c Parental
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g c Company provided
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g b Rented(Month Rent in Rs.
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g /- ) c Tick if permanent address is same as above
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Permanent/Alternate HILTON SHILIM

Address
(Residence / Regd
Office)
Landmark SHILIM
City Pune PIN Code 410510
State Maharastra Country INDIA Voter ID Card No.
Tel (R/0) - Mobile no. 9860133122

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .

Form No.:1030033253
B. OCCUPATIONAL DETAILS

Occupation b Salaried g
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g c Self employed g
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f c Self employed professional g
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f c Retired g
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f c Housewife g
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f c Student g
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f c Other
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f

Type of company c Pvt ltd. g

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g c Partnership g
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f c Proprietor
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f c Public Ltd. g
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g c Retailers
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f c PSU
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g c Govt.
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g c MNC
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g c Other
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If Salaried
Type of industry HOSPITALS

Employer / Business Details Designation Exp in Current Job/Business Yrs Months

Company/Employers Name HILTON SHILLIM
Employment Address PAWANA NAGAR TAL MAVAL DIS PUNE

Landmark
City PUNE PIN Code 410510
State MAHARASHTRA Country INDIA
Tel(o) -
Official e-mail ID
Preferred Mailing Address g
b Current Residence g
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f c Current Office
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C.INCOME AND BANKING DETAILS

25000/- A/C no. 50100036454978

Existing Loan Details
Monthly Salary
1) Bank / Co. name HDFC Bank
Annual turnover Bank name HDFC Bank Loan type
Net Profit Branch Amount (1) EMI(1)

Cust ID Tenure 12 Start date

Other income c Rental
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g c Agricultural
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g 54350950
Source Loan a/c no. 29661216
Account type SAVINGS
c Other
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g 2) Bank/Co. name
Credit card no.
Interested in opening HDFC Bank Account Loan type
c Yes g
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g c No
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f Issuing Bank Amount (2) EMI(2)
Tenure Start date
Loan a/c no.

D. LOAN DETAILS - CUM - KEY FACT STATEMENT INCLUDING SCHEDULE OF CHARGES

Purpose of loan f
g Home renovation g
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e c Marriage g
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f c Education f
c Travel g
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f d
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f g Business expansion g
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e c Agriculture/Farming g
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f c Transportation of Agri Produce
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b Other
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Loan Amount(Rs.) 26082.00/- Loan Tenure 12 Months EMI (Rs.) 2460/-
No.of Advance EMI 0 Scheme
Asset Make CENTURO Model MAHINDRA CENTURO Dealer
Invoice Price Rs. Margin Money Rs.
Usage : c Personal g
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g c Commercial g
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f b Top Up
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1) Stamp Duty: At actual as per applicable law. 2) Interest rate of (subject to changes as per Terms and Conditions/ Agreement) 23.50% p.a. (monthly reducing). 3)
Processing Charges of Rs. 675/- 3(a). Govt Taxes & Levies on PF 18% 4) Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of
the Bank for the dishonor) : Rs.550+ Govt Taxes & Levies/- Per instance 5) Default Interest / Late payment charges : 2% per month from unpaid EMI (For Two Wheeler 2.50%
Per Month from unpaid EMI) 7) PDD Collection charges : Rs. 450/- + Govt Taxes & Levies for Auto Loan and for Two Wheeler upto Rs.450/- + Govt Taxes & Levies 8) Legal,
repossession and Incidental Charges: At actual 9) Duplicate Amortization/ Repayment Schedule: Rs. 200/- 10) Cheque/SI/ECS swapping Charges : Rs. 500/- 11) Loan
Rebooking and Reschedulement Charges Rs.1000/- 12) Date on which annual Outstanding balance statement will be issued: 31st May13) Loan Cancellation Charges:
NIL. Interest would be charged for the interim period between date of disbursement and date of loan cancellation. 14) Duplicate NOC/ LPG/ CNG NOC / Duplicate No due
certificate /Special NOC Rs 500/-
Note: Visit http://www.hdfcbank.com for detailed fees and charges under the respective loan product.
Changes in charges from time to time are updated on bank's website.

Quick Paisa (Two Wheeler Loan Topup)

Type of Loan
Salaried/Self Employed

Due date of EMI 5th

Prepayment not allowed up to payment of 6 Months

Prepayment Charges 7-12 Months of EMI Repayment- 6%
[on Principal Outstanding] 13 to 24 Months of EMI Repayment- 5%
>24 Months of EMI Repayment- 3%
Applicable Govt Taxes & Levies will be charged on Prepayment Charges

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .

Form No.:1030033253
E.ADDITIONAL DETAILS

Vehicle Owned : Manufacturer : 2710 Model: MAHINDRA CENTURO Bought in Yr. Financed

Other Items: c LCD/LED

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g c Microwave
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g c Home theatre
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g c Washing machine
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g c Modular Kitchen
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g c Smartphone
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g c AC
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g c Laptop/Tablet
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Wish to Apply for: c Insurance
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g c Mutual fund
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g c Credit card
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g c Saving/Current a/c
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g c FD/RD
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g c Advisory/Treasury
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g c Loan
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PERSONAL REFERENCE (Name & address of refrence living in the same city)

1) Name 2) Name

Relationship with applicant Relationship with applicant

Residential address Residential address

City State City State

PIN Mobile no. Landline no. PIN Mobile no. Landline no.

c Relationship with other bank

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g Applicant is a directorof any Bank or is a Firm in which any director is Nature of Relationship:
intterested as partner / guarantor or is a relative of directors of other
banks or is a form in which relatives of directors are interested as partner
or director.

Applicant is a Director/Sr. Officer / relative of director or Sr. Officer of the

c Relationship with Financing bank
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g Bank.

F. PRIORITY SECTOR CATEGORY (important: if applicant belongs to any of the below category, pls tick the box) (Bank Copy)

c Direct Agri (Agriculturist/Farmer/Agri allied activities like, dairy farming,poultry farming,fishery,bee-keeping ect)
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Land (acres) Location: Pin Code

c Indirect Agri: Service units like trader / dealer in fertilizers / seeds / pesticides / cattle feed / poultry feed / agri equipment or machinery, dealer of tractors or contracting
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tractors / borewells etc.

c Manufacturing enterprises
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g c Manufacturing unit with investment in plant & machinery g
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g c Manufacturing unit with investment in plant & machinery
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upto Rs.5lakh > 5 Lakh to 25 Lakh
c Manufacturing unit with investment in plant & machinery
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g Value of investment (Rs.)
> Rs.25 Lakh to Rs. 5 Cr CC Limit(Rs.)

c Service enterprises:(Professional / Nor

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g c Service unite with investment in equipment upto Rs. 2 g
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g c Service unit with investment in equipment > Rs. 2 Lakh
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Professional / SRTO / Trade/ Retail Trade) Lakh to Rs. 10Lakh
c Service unit with investment in equipment > Rs. 10 Lakh Value of investment (Rs.)
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to Rs. 2 Cr

c Khadi & village industries (KVI Sector)

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Declaration: I/we hereby declare/confirm that the vehicle purchased/ to be purchased / loan availed / to be availed by me/us shall be used

c For the purpose of Agriculture and/or assist the transport of agriculture input and farm product.
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c For the purpose of Business : I / We are aware that it is on the faith of this representation, declaration and confirmation that you have agreed to consider my loan
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application for financial assistance under the category of Priority sector advances. I / We shall indemnify the bank to make the loss of good in the event of any loss or
damage that may arise on account of false / incorrect declaration by me / us.

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .

Form No.:1030033253

G. DOCUMENTS SUBMITTED

I / we confirm having submitted the following documents (ticked below) along with this loan application form to the Bank
Photograph (signed across) c
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Latest 3 months Bank Statement (Where salary income is credited) c
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Latest 2 salary slip / Salary Certificate / Form 16 (if applicable) c
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Proof of Continuity current job (Specify) c
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Proof of identity (Specify) c
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Proof of Residence (Specify) c
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Proof of Qualification (Specify) c
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Loan Account Statement for Balance Transfer / Balance Transfer & Top up /
Repayment / Retention cases c
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Quick Paisa (Two Wheeler Loan Topup) Agreement c
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Signature Verification c
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ECS / Auto Debit Mandate c
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Post dated cheques (PDC) ( nos) c
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Security post dated cheques ( nos) c
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H. MOST IMPORTANT TERMS AND CONDITIONS AND DECLARATION BY THE CUSTOMER

I/We agree and confirm:

1. To the applicable schedule of charges, fees, commissions including the key facts informed to me by HDFC Bank Ltd. (Bank) and as more particularly mentioned in
the "Schedule of Charges" of this Application.
2. That the bank's representative/ staff will not receive any payment in cash/ bearer cheque or kind along with or in connection with this loan application from me/ us.
3. That no discount or free gift or any other commitment whatsoever is given to me/ us by the Bank or any of its authorized representative(s) other than what is not
documented in this application form the Terms and Conditions/ Agreement pursuant to the Loan.
4. The Bank shall not process incomplete/ defective application form, for which if any loss or delay is caused to me/ us, I/We will not hold the Bank liable for such loss or
delay.
5. That Loan processing and disbursement will take at least 7 working days post submission of all requisite documents and information as may be required by the
Bank as per Bank's criteria.
6. That submission of loan application to your bank does not imply automatic approval by the Bank and the Bank will decide the quantum of the loan at its sole and
absolute discretion. The Bank in its sole and absolute discretion may either sanction or reject the application for granting the loan. Incase of rejection, the Bank shall not
be required to give any reason.
7. That the Bank shall have the right to make disclosure of any information relating to me/us including personal information, details in relation to Loan, defaults, security,
etc to the Credit Information Bureau of India (CIBIL) and/or any other governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, the Bank's other
branches/ subsidiaries / affiliates / rating agencies, service providers, other banks / financial institutions, any third parties, any assignees/potential assignees or
transferees, who may need, process and publish the information in such manner and through such medium as it may be deemed necessary by the publisher/ Bank/ RBI,
including publishing the name as part of willful defaulter's list from time to time, as also use for KYC information verification, credit risk analysis, or for other related
purposes.
8. The Bank reserves its right to reject the loan application and retain the loan application form along with the photograph, information and documents.
9. That I/ We shall furnish any additional documents as and when required by the Bank.
10. That I/ We have not taken any loan from any other bank/ finance company unless specifically declared by me/ us.
11. That there is no impediment or restriction (whether legal or judicial) against me/ us and/or our asset filed/ reported by any other bank/ financer/ bank.
12. That the funds shall be used for the purpose for which loan has been applied and will not be used for speculative or antisocial purpose.
13. I/ We do not have any existing customer ID or customer ID apart from the one mentioned above, and incase found otherwise, Bank reserves the right to consolidate
the customer IDs under a single customer ID as it may decide, without any prior notice to me/ us.
14. That the information furnished by me/ us above is true and accurate.
Other declarations:
I/We :
1. shall advise the HDFC Bank Ltd. (Bank) in writing of any change in my/ our residential or employment address.
2. hereby authorize and give consent to the Bank to disclose, without notice to me/ us, information furnished by me/ us in the application form(s)/ related documents
executed/ to be executed in relation to the facilities to be availed by me/ us from the Bank, to the Bank's other branches/ subsidiaries/ affiliates/ Credit Bureaus/ Rating
Agencies/ Service Providers, banks/ financial institutions, governmental/ regulatory authorities or third parties for information verification, credit risk analysis, or for other
related purposes that the Bank may deem fit. I/ We waive the privilege of privacy and privity of contract.
3. shall credit all sums received by you in either or all the names of this account.
4. hereby confirm having received, read and understood the terms and conditions applicable to this loan including the application form and the Terms and Conditions/
Agreement and accept the same.
5. hereby unconditionally, agree that these terms may be changed by the Bank at any time and I / We will be bound by the amended terms and conditions.
6. Confirm that I/ We are citizen of India.
7. I / We also confirm that the executive collecting my loan Application / Document has informed me / us :
8. that Govt Taxes & Levies is applicable and will be charged in connection with the loan.
9. all the commission/s (in the form of up front and trail commissions) payable to HDFC Bank for the insurance policy recommended to me/us.
10. In the case of loan cancellation, the applicable pro-rata interest charges on any outstanding loan amount will have to be borne by me/us. I understand that
Processing Fee, Stamp Duty are non-refundable charges and would not be waived/ refunded in case of loan cancellation or where the loan has not been disbursed.
11. That all the post-dated cheques are to be issued favouring HDFC Bank Limited A/c (Mention Product Name) only.
12. that loan related information like "welcome letter", "repayment schedule", "Terms and condition", "disbursal advice (as applicable to Personal Loan/ Business
Loan)", will be sent on the e-mail id mentioned by me/ us in this loan application form.
13. that I/ We can log on to HDFC Bank Net Banking (www.hdfcbank.com) to view the welcome letter and repayment schedule. I/ We may also request for a physical
copy of Welcome Letter and Repayment Schedule separately if need be.

Other declarations:
I/We :
1. shall advise the HDFC Bank Ltd. (Bank) in writing of any change in my/ our residential or employment address.
2. hereby authorize and give consent to the Bank to disclose, without notice to me/ us, information furnished by me/ us in the application form(s)/ related documents
executed/ to be executed in relation to the facilities to be availed by me/ us from the Bank, to the Bank's other branches/ subsidiaries/ affiliates/ Credit Bureaus/ Rating
Agencies/ Service Providers, banks/ financial institutions, governmental/ regulatory authorities or third parties for information verification, credit risk analysis, or for other
related purposes that the Bank may deem fit. I/ We waive the privilege of privacy and privity of contract.
3. shall credit all sums received by you in either or all the names of this account.
 4. hereby confirm having received, read and understood the terms and conditions applicable to this loan including the application form and the Terms and Conditions/
Agreement and accept the same.
5. hereby unconditionally, agree that these terms may be changed by the Bank at any time and I / We will be bound by the amended terms and conditions.
6. Confirm that I/ We are citizen of India.
I / We also confirm that the executive collecting my loan Application / Document has informed me / us :
1. that Govt Taxes & Levies is applicable and will be charged in connection with the loan.
2. all the commission/s (in the form of up front and trail commissions) payable to HDFC Bank for the insurance policy recommended to me/us.
3. In the case of loan cancellation, the applicable pro-rata interest charges on any outstanding loan amount will have to be borne by me/us. I understand that
Processing Fee, Stamp Duty are non-refundable charges and would not be waived/ refunded in case of loan cancellation or where the loan has not been disbursed.
4. That all the post-dated cheques are to be issued favouring HDFC Bank Limited A/c (Mention Product Name) only.
5. that loan related information like "welcome letter", "repayment schedule", "Terms and condition", "disbursal advice (as applicable to Personal Loan/ Business Loan)",
will be sent on the e-mail id mentioned by me/ us in this loan application form.
6. that I/ We can log on to HDFC Bank Net Banking (www.hdfcbank.com) to view the welcome letter and repayment schedule. I/ We may also request for a physical copy
of Welcome Letter and Repayment Schedule separately if need be.
J. DO NOT CALL REGISTRY : I understand that in case I do not wish to receive promotional information through telephone calls / email / sms on products and
services not currently availed by me, I can register for "Do Not Call" service through the Bank's website www.hdfcbank.com or through PhoneBanking or other
channels that the Bank may offer. I agree that this service will not apply to receipt of advice and information regarding products and services currently availed by
me, to help me in fully realising the benefits of the range of financial solutions designed to make my banking relationship value added and more convenient.
I/We have read and verified the entire contents of the aforesaid Loan Application Form including the information, the Most Important Terms and Conditions, the Declarations being Part A to Part J and
I/We hereby irrevocably represent, confirm and declare that all the information given thereunder are completely true and correct and further agree, acknowledge, accept and confirm the same.

Applied, Accepted, Authenticated, Signed and Delivered by the

Borrower through NetBanking using my NetBanking Customer ID
& Password, by ticking the "I agree" icon on the online
system/NetBanking/Website of HDFC Bank as well as by entering
the one time password (OTP)

Name: BHARTI SANJAY WAGHMARE Date: 12-Jul-2017 Place:

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .

Form No.:1030033253

TOP UP AGREEMENT FOR TWO WHEELER LOAN CUM HYPOTHECATION

THIS SUPPLEMENTAL AGREEMENT (hereinafter referred to as "Supplemental Agreement") is made on the date and at the place mentioned in the Schedule hereto,

BETWEEN
The Borrower, more particularly described and set out in the Schedule hereto (hereinafter referred to as the "Borrower") of the FIRST PART. The expression 'Borrower' shall,
unless repugnant to the context or meaning thereof, include their respective heirs, administrators and executors;

AND
HDFC BANK LTD., a Banking Company incorporated and registered under the provisions of the Companies Act, 1956, having its Registered Office at HDFC Bank House,
Senapati Bapat Marg, Lower Parel (W), Mumbai 400 013, and inter alia a branch office at the address mentioned the Schedule hereto hereinafter referred to as "the
Bank" (which expression shall, unless it be repugnant to the context or meaning thereof mean and include its successors and assigns) of the SECOND PART;
WHEREAS pursuant to the Loan cum Hypothecation Agreement bearing reference number as mentioned in the Schedule hereunder, executed by and between the Borrower
and the Bank as amended/supplemented/restated/novated from time to time (hereinafter referred to as the "Principal Agreement"), at the request of the Borrower, the Bank
has granted a loan of the amount mentioned in the Schedule hereunder for the purpose and upon terms and conditions contained in the Principal Agreement (hereinafter
referred to as "Principal Loan").
AND WHEREAS the Borrower has approached the Bank for an additional loan of the amount mentioned in the Schedule hereunder (hereinafter referred to as "Top-up Loan")
for the purpose as mentioned in the Schedule hereto, which Top-up Loan the Bank has agreed to grant at the request of the Borrower subject to the same terms and
conditions as mentioned in the Principal Agreement save and except as expressly modified by these presents and as supplemented by the terms hereunder.

NOW THIS SUPPLEMENTAL AGREEMENT WITNESSETH AND IT IS HEREBY AGREED BY AND BETWEEN THE PARTIES HERETO AS
FOLLOWS:-
1. The Bank hereby agrees to grant/has granted to the Borrower the Top-up Loan for the purpose as more particularly mentioned in the Schedule hereto and subject to
the same terms and conditions as mentioned in the Principal Agreement except to the extent the same are expressly modified by these presents and as supplemented
by the terms and conditions hereunder. The Principal Agreement which thus for governed and was applicable to the Principal Loan, shall, save and except as modified
hereunder and as supplemented by the terms hereunder, henceforth be applicable and shall also govern the Top-up Loan in addition to the Principal Loan.
2. Words or expressions used in this Supplemental Agreement, but not specifically defined herein shall have their respective meanings assigned to them in the
Principal Agreement. In case there are any words or expressions which are not defined in the Principal Agreement then the meaning assigned to them by the Bank would
be deemed to be final for all purposes.
3. The Borrower shall pay to the Bank interest on the Top-up Loan at the rate as mentioned in the Schedule hereto. The installments comprising of principal and
interest in respect of the said Top-up Loan shall be of such amounts and shall be repayable on such dates as mentioned in the Schedule hereto. The Bank in its sole
discretion would be entitled to modify and vary the said rate of interest from time to time including on account of changes in interest rates made by the RBI from time to
time. In the event rate of interest is modified, then in such event interest would be payable by the Borrower at the revised rate of interest. The Bank shall inform the
Borrower of such changes in the interest rate and the consequences on the Installments, which may include revisions in Installment amounts, changes to the number of
Installments or a combination of both. Such revisions shall apply prospectively. The Borrower shall also pay and bear all interest tax and other taxes as may be
applicable.
4. The Borrower hereby agrees and gives consent to Bank for disbursement of the Top-up Loan or part thereof, to the account maintained by the Borrower through
which repayment of the Principal Loan and/ or other dues under the Principal Agreement are being done, or to such other account which may be stipulated by the Bank
from time to time.
5. The Borrower hereby agrees to give Post Dated Cheques ("PDCs")/cheques or provide, as required by the Bank from time to time, Electronic Clearing System
("ECS") / Standing Instruction ("SI") instructions for the repayment of the Top-up Loan alongwith all other Dues. The Borrower hereby agrees to replace the Post Dated
Cheques if required by the Bank. The Borrower hereby unconditionally and irrevocably undertakes to resubmit the ECS/SI instructions, in such manner and with such
conditions, as may be directed by the Bank in its sole discretion.
6. The Borrower shall at the time of execution of this Supplemental Agreement, pay up front, fees along with such other fees and charges as more particularly set out in
the Schedule hereto for the services rendered by the Bank in respect of the said Top-up Loan.
7. The Borrower hereby unconditionally and irrevocably agrees and confirms that security created in favour of the Bank pursuant to the provisions of the Principal
Agreement including without limitation the security created by way of hypothecation of the vehicle details whereof are provided in the Schedule hereto (hereinafter
collectively referred to as the "Principal Vehicle") stands hereby extended to the Top-up Loan together with all interest, additional interest, default interest (if any),
costs,expenses (including legal expenses), charges, penal interests, liabilities and all other obligations due and payable by the Borrower (hereinafter collectively referred
to as "Additional Secured Liability"), and the Borrower is in possession of the said Principal Vehicle and does accordingly, hereby hypothecate and charge, in favour of the
Bank, the Principal Vehicle as security for due payment/repayment, performance and discharge of the Additional Secured Liability. The existing security created for
Principal Loan shall continue to secure the liabilities in respect of the Principal Loan and shall additionally be deemed to be a security created also for the Additional
Secured Liability and shall continue till the payment and repayment in full of the Principal Loan as also the Top-up Loan granted hereunder along with all dues payable by
the Borrower to the Bank in terms of the Principal Agreement and hereunder respectively to the complete satisfaction of the Bank. Notwithstanding anything to the contrary
in the Principal Agreement or hereunder, :
i. the Principal Agreement and the said security shall continue to be valid and fully in effect and force for the Additional Secured Liability till the same is fully paid and
repaid notwithstanding the fact (if any) of the Principal Loan having been fully or partially paid/repaid in future or there being no dues outstanding thereunder in future
or that the security for the Principal Loan having been released or having become entitled to be released by reason of such full payment and repayment of the
Principal Loan and liabilities thereunder in future;
ii. Similarly, the Supplemental Agreement and the said security shall continue to be valid and fully in effect and force for the liabilities of the Borrower under the
Principal Agreement till the same is fully paid and repaid notwithstanding the fact (if any) of the Top-up Loan having been fully or partially paid/repaid in future or there
being no dues outstanding thereunder in future or that the security for the Supplemental Loan having been released or having become entitled to be released by
reason of such full payment and repayment of the Top-up Loan and liabilities thereunder in future;
iii. The Principal Agreement and the said security shall be enforceable for any event of default in respect of the Additional Secured Liability even if and
notwithstanding the fact of there being no event of default having occurred or existing under the Principal Agreement;
iv. the Principal Agreement and said security shall be enforceable for any event of default in respect of the liability under the Principal Agreement even if and
notwithstanding the fact of there being no event of default having occurred or existing under the Supplemental Agreement. The Borrower hereby agrees to file and
register and get the same endorsed on the registration certificate, by filing necessary forms with the concerned Registering Authority, the details of the hypothecation
and charge created hereunder in respect of the Top-up Loan /Additional Secured Liability, and in case the same is technically not possible on account of such filing
not being available with the concerned Registering Authority, then it agrees that any and all filings made and any endorsement on the registration certificate obtained
from the concerned Registering Authority in relation to the hypothecation and charge created over the Principal Vehicle shall be deemed to have been filed/obtained
(as the case may be) for the purpose the Principal Loan as well as the Top-up Loan, to the intent and purpose that such original filing was always supposed to
include both the Principal Loan and the Top-up Loan/Additional Secured Liability. The Borrower fully understands and irrevocably accepts that till the time both,
Principal Loan as well as the Top-up Loan and all dues in respect thereof, are fully repaid/paid, the Bank will not issue the no-objection certificate ("NOC") in respect
of the Principal Vehicle/ security for the Principal Loan.
8. Notwithstanding anything stated elsewhere in this agreement, the continuation of the loan shall be at sole and absolute discretion of the Bank and the Borrower's
outstanding shall be payable to the Bank on demand. The Bank may at any time in its sole discretion and without assigning any reason call upon the Borrower to pay to
the Bank the Borrower's outstanding and thereupon the Borrower shall, within 48 hours of being so called upon, pay the whole of the Borrower outstanding to the Bank
without any delay or demur.
9. The Borrower agrees to allow the officers, or auditors (including Borrower's auditors), technical experts or management consultants appointed by the Bank to inspect
the Borrower's books of accounts and certify including but not limited to end use of funds, from time to time as required by the Bank and agree to forthwith, upon demand
by the Bank, to extend full co-operation and pay for the costs and expenses incurred by the Bank in relation to said inspection.
10. The Borrower agrees and undertake not to induct a person, into the Board of Directors, who is a promoter or director on the Board of a company which has been
identified as a willful defaulter or a person who has been declared as a willful defaulter by any Bank/Financial Institution. In case such a person is already a member of
the Board of Directors, the Borrower would take expeditious and effective steps for the removal of that person from the Board of Directors.

11. The Borrower shall at its own expense during the continuance of the security herein keep the vehicle covered under comprehensive risk under lien to the Bank,
including riots, civil commotion risk, fire, accident, theft, unlimited third party risk, and other hazards as stipulated from time to time with such insurance company as may
be required by the Bank by timely payment of all premium in respect of such insurance and produce and deliver(if so required by the Bank) any insurance policy, cover
note or receipt on demand by the Bank for its inspection and verification. The Borrower accepts that the Bank shall not be liable for any loss on account of non renewal
ofinsurance of the vehicle and/or delay /non payment by the insurance company /or any settlement claim by the Borrower.
12. In addition to the events of default under the Principal Agreement, non-payment in full of any of the installments on respective due dates hereunder in respect of the
 Top-up Loan as also non-performance of any of the terms and conditions of this Supplemental Agreement shall also act as events of default thereunder and
hereunder.The Bank shall be entitled to enforce the security (including without limitation the security by way of hypothecation over the vehicle) viz. the Principal Vehicle for
recovery of the liabilities under the Principal Loan and/or the Additional Secured Liability, in case of any event of default under the Principal Agreement including any
default by the Borrower of any of its obligations including without limitation non-payment of any sums due under the Top-up Loan.
13. Without prejudice to the aforesaid the Borrower hereby agrees to create such further/additional security as the Bank may at its sole and absolute discretion deem
necessary for the purpose of securing the Top-up Loan.
14. The Borrower understands and acknowledges that internet is not a necessarily a secure means of transmission. The Borrower acknowledges and accepts that
such transmission methods involve the risk of possible unauthorized alteration of data, unauthorized usage therefore for whatever purposes and/ or virus attacks. The
Borrower agrees to hold HDFC Bank free and harmless from all losses, costs, damages, expenses that maybe incurred by the Borrower due to any errors, delays or
problems in transmission or unauthorized/ illegal interception, alteration, manipulation of electronic data, virus attacks/ transmission to the Borrower's system or
otherwise caused by using Internet as a means for availing the Loan.
15. The Borrower hereby agrees, acknowledges and confirms that the Borrower is availing of the online Loan facility in accordance with the terms contained herein
entirely at its own risk and consequences.
16. Under no circumstances shall HDFC Bank be liable for any damages whatsoever whether such damages are direct, indirect, incidental consequential and
irrespective of whether any claim is based on loss of profit or revenue or anticipated savings, interruption of business, any loss of any goodwill, character or nature
whatsoever and whether sustained by the Borrower or by any other person and which may arise in respect of this Agreement.
17. Save and except as expressly varied and modified hereinabove, all the terms and conditions mentioned in the Principal Agreement as supplemented by the terms
and conditions mentioned herein, shall remain unchanged and apply also to the Top-up Loan (in addition to the Principal Agreement) mutatis mutandis and be deemed
to have been specifically incorporated herein by reference and the Principal Agreement shall be read in conjunction with this Supplemental Agreement which shall be
deemed as forming an integral part thereof even if and notwithstanding the fact (if any, in future) of the Principal Loan having been fully or partially paid/repaid or there
being no dues outstanding thereunder, accordingly notwithstanding anything contained in the Principal Agreement, the Principal Agreement shall not terminate and shall
continue to be valid and in existence as above till all obligations thereunder and hereunder are discharged by the Borrower to the satisfaction of the Bank. The terms and
conditions of this Supplemental Agreement shall be in addition to the Principal Agreement. In witness whereof the Parties hereto have executed this Supplemental
Agreement at the place on the day and the year mentioned in the Schedule hereto T
18. The Borrower agrees to bear the stamp duties payable on this Agreement. However the Bank may pay the stamp duty which shall be reimbursed by the Borrower W
forthwith R
E
19. This Agreement shall be governed by, and construed in accordance with, the laws of India. The Parties agree that if the process of the courts is required to be F
invoked for enforcement of Clause 20 below, including for seeking of any interim relief prior, during or after invocation of Clause 20 below, the competent courts at T
Mumbai shall have exclusive jurisdiction and both the parties hereto submit to the same. C
/
20. All disputes, differences and/ or claims arising out of these presents or as to the construction, meaning or effect hereof or as to the rights and liabilities of the V
Parties shall be settled by arbitration to be held in Mumbai in accordance with the provisions of the Arbitration and Conciliation Act, 1996 (or any statutory amendments 3
thereof or any statute enacted for replacement thereof) and shall be referred to the sole arbitration of a person to be nominated by the Bank. In the event of death, refusal, /
0
neglect, inability or incapability of the person so appointed to act as an arbitrator, the Bank may appoint a new arbitrator. The award including interim award/ s of the 7
arbitrator shall be final and binding on all parties concerned. The arbitrator may lay down from time to time the procedure to be followed by him in conducting arbitration /
proceedings and shall conduct arbitration proceedings in such manner as he considers appropriate. 1
7
21. Notwithstanding anything contained in clauses 19 and 20 in the event that the Bank is under Applicable Law bound to refer/raise any dispute or difference under this
Agreement before any Debt Recovery Tribunal established under Recovery of Debts due to Banks and Financial Institutions Act, 1993 (51 of 1993), such Debt Recovery
Tribunal shall have exclusive jurisdiction over such dispute, difference or claim and the same shall not be referred to arbitration under Clause 20 above.

The Borrower hereby expressly acknowledge and confirm that the Borrower has read, verified, understood, irrevocably agreed to and accepted all the terms and conditions
contained in Clauses 1 to 21 (including sub clauses) and hereby record my agreement to abide by the same by confirming my acceptance in the Bank’s online
system/NetBanking/Website of HDFC Bank.
The Borrower confirms that the Borrower will be signing and authenticating the agreement by ticking the "I agree” icon as well as by entering the OTP provided to the
Borrower’s registered mobile number and that there is no requirement of any physical signature for this Agreement. The Borrower also acknowledges that the Bank also
does not require to sign this Agreement in any physical form and the mere disbursement of the Loan would amount to an acceptance by the Bank for the purpose of this
document.
For the purpose of stamp duty the Bank may optionally designate this Agreement as the principal agreement or require any extract of it to be designated as the principal
agreement and such determination of the Bank would be deemed to be final and binding on the Borrower. The Borrower acknowledges that any writing on the said stamp
paper associating the stamp paper with this Agreement would be as good as making the stamp paper an integral part of this Agreement.

Applied, Accepted, Authenticated, Signed and Delivered by the

Borrower through NetBanking using my NetBanking Customer ID
& Password, by ticking the "I agree" icon on the online
system/NetBanking/Website of HDFC Bank as well as by entering
the one time password (OTP)

Name: BHARTI SANJAY WAGHMARE

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .

Form No.:1030033253
LOAN SCHEDULE
 SCHEDULE-CUM-KEY FACT STATEMENT
Loan Account No 1030033253
Date of Supplemental Agreement 12-Jul-2017 Place of Supplemental Agreement
(DD-MON-YYYY)
Name & Address of the Borrower BHARTI SANJAY WAGHMARE C/O Borrowers Constitution Salaried
SANJAY ARGADE,KINARA
APPARTMENT,FLAT
NO.13/1,MHALASKAR
WADI,TALEGAON DABHADE PUNE
MAHARASHTRA 410510
Borrowing Purpose Personal expenses
LOAN DETAILS
Loan Agreement No For Principal Agreement 29661216 Amount of the Principal Loan
Top Up Loan Amount Rs. 26082.00/- Loan Tenor 12 Months
Installment Frequency Monthly EMI Scheme Arrears
(Advance / Arrears)
Interest Rate Type Fixed Interest Rate 23.50 % per annum
EMI Start Date 05-Aug-2017 EMI End Date 05-Jul-2018
Number of EMI 12 EMI Amount Rs. 2460/-
Advance EMI (No's) NIL Advance EMI Amount Rs. 0/-
Details of Security/Collateral obtained Hypothecation of Vehicle
VEHICLE DETAILS
Make CENTURO Model MAHINDRA CENTURO
Engine Number UPEEG043040 Chasis Number MCDKG1B14E2G02478
Registration Number MH14EQ3419
CHARGES (All charges are non-refundable & applicable post disbursement of loan)
Processing Charge Amount +Govt Taxes & Levies Rs.675 /- Stamp Duty & Other Statutory At actuals as per applicable laws of
Charges :- As per applicable laws of State.
the State
Cheque / ECS / SI Return Charges * Rs. 550/- (+) Govt Taxes & Levies. Cheque/ECS/ SI Swapping Charges Rs. 500/- per instance
(without prejudice to Bank's civil and
criminal rights and remedies)
Pre-payment Charges* Within 7 months to 12 months from PDD Collection Charges
the 1st EMI - 6% of principal
outstanding
13-24 months from 1st EMI - 5% of
principal outstanding
Post 24 months from 1st EMI - 3% of
principal outstanding
Prepayment is not allowed within six
months of EMI repayment
Default Interest/ Late Payment charges 2.5% per month (for the overdue Loan Cancellation Charges Rs .NIL (However client would be
period on EMI/Principal overdue) charged interest for the interim period
between date of loan to loan
cancellation and Processing fees,
Documentation charges &Stamp
Duty would be retained.)
CIBIL Report Copy Charges Rs.50/- Special NOC Rs 500/- per Instance
Duplicate No Due certificate / NOC Rs 500/- per Instance Duplicate Amortization / Repayment Rs. 200/-
Schedule charges
Other Charges, commissions, fees As per Application or as may be Date on which annual outstanding 31st May
specified the Bank balance statement will be issued
Note: Govt Taxes & Levies and other government levies, as applicable would be charged additionally. Loan Processing fees, Documentation charges & Stamp Duty is non-
refundable. Collateral Charges/PDD Collection charges are refundable in case of loan cancellation.

Applied, Accepted, Authenticated, Signed and Delivered by the

Borrower through NetBanking using my NetBanking Customer ID
& Password, by ticking the "I agree" icon on the online
system/NetBanking/Website of HDFC Bank as well as by entering
the one time password (OTP)

Name: BHARTI SANJAY WAGHMARE

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .
 Form No.:1030033253

Customer SI Debit Authorisation Form

Date: 12-Jul-2017 (Loan Account Number)

To,
The Branch Manager,
HDFC BANK Limited,

Dear Sir / Madam,

I have taken a Quick Paisa (Two Wheeler Loan Topup) loan from HDFC Bank and would like to avail of the Standing Instruction facility offered by your bank to make
repayments towards my loan.

I, therefore, request you to accept this mandate to debit my HDFC Bank Account Number 50100036454978

towards recovery of repayment dues of my loan account as per due dates & terms and conditions mentioned in the loan agreement schedule or as per schedule or as
per revised instructions basis requirements as communicated from my end in line with the Bank's policy.

I undertake to maintain sufficient balances to cover the EMI, Outstanding Balance and Loan repayment dues (and charges, if any) on the stipulated due dates. I also
understand that the failure to repay my loan amount through this standing instruction shall be treated as a default in repayment of dues and all charges / penalties / levies
as covered by the agreement will hold good towards the non payment of obligations.

Please treat this as an irrevocable communication as an authorization to debit my account every month with the required amounts towards the repayment of my loan.

In the event of the above account getting closed/transferred for any reason, I will intimate to the Bank the new account opened with the bank to debit the Loan repayment
as per the agreement. Further, I /We undertake the responsibility to provide the fresh set of Mandate and security PDCs for such new account, as per terms of the
agreement in lieu of existing instructions.

I also understand and accept that the Bank will have the right to set-off, without prior intimation to me, the available balances in the designated account for recovery of
overdue installments and/or charges (if any) in the loan account.

Thanking you,
Yours truly,

Applied, Accepted, Authenticated, Signed and Delivered by the

Borrower through NetBanking using my NetBanking Customer ID
& Password, by ticking the "I agree" icon on the online
system/NetBanking/Website of HDFC Bank as well as by entering
the one time password (OTP)

Name: BHARTI SANJAY WAGHMARE

Application is submitted on-line by the customer using his/her NetBanking cust ID and password on 12-Jul-2017 at 06:01 PM through IP Address 62.216.152.42 .