TVS CREDIT SERVICES LIMITED

Sanction Letter

M/s TUPURANI ADITYA PRAMOD 25-02-2023

A.Gs. Staff Quarters S.O
METRO PILLAR NO C1498
Hyderabad AP
500045
Contact No. : 6281004945
Proposal No. : 3021TW0151880

Dear TUPURANI ADITYA PRAMOD ,

Thank you for applying for a loan form TVS Credit Services Limited. We are pleased to sanction a loan, as
per the terms and conditions given below. This credit facility will be made available to you on execution of
the necessary documents by you.

Particulars Details
Vehicle Asset Name: TVS

Vehicle Make: TVS RAIDER DISC BSVI

Model: TVS RAIDER DISC BSVI

Asset Cost: Rs.122000/-

Vehicle Loan Amount (Rs.): Rs.84350/-

Vehicle Insurance with Loan Amount: Rs.0/-

Special Insurance with Loan Amount: Rs.950/-

Health Insurance with Loan Amount: Rs.0/-

Extended Warranty with Loan Amount: Rs.0/-

Total Loan Amount: Rs.85300/-

Tenure: 18 Months

Advance EMI: 0 Months

Processing Fees: Rs.2500/-

EMI: Rs.5450/-

Stamping and other Charges: Rs.750/-

Dealer Buydown: Rs.0/-

Manufacturer Buydown: Rs.0/-

Customer IRR (Fixed): 22.61% p.a.(Monthly reducing balance method)

DP amount to be collected: Rs.41400/-

InstaCard Enrolment Fee: Rs.0/-

Applicant Name: TUPURANI ADITYA PRAMOD

Co-applicant Name:

Guarantor Name:

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Toll free number: 1800 103 5005 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

You are requested to proceed with execution of the following:

Agreement duly executed as per the terms mentioned above
Repayment Instructions (ACH/ADM/PDC/E-Mandate/Cash Mode).
Down Payment Receipt
First year insurance copy with hypothecation in favor of " TVS CREDIT SERVICES LIMITED"
Invoice with hypothecation in favour of “TVS Credit Services Limited"
Please note the following:
This sanction letter is valid for a maximum of 20 days from the date of issue and subject to terms and
conditions as stated above. Any change in terms and condition would require a fresh sanction letter.
This must not be treated as a "delivery order" in respect of the vehicle.
All cheques must strictly be issued in favor of " TVS CREDIT SERVICES LIMITED"
The final loan amount would be disbursed only on satisfactory receipts of above mentioned document to
the dealer mentioned above as per your request.
Kindly note that this intimation of approval and its terms are not to be treated as a Delivery or Vehicle release order.

Terms and Conditions:

If you are a cash repayment mode customer, ensure that you remit the dues on or before the due date
and collect the acknowledgement. If you are a ACH/ADM/PDC/E-Mandate repayment mode customer,
ensure that your bank account is adequately funded to avoid levy of additional charges for non-receipt of
payment(s).
In case of any direct payments through mobility device, the SMS received from the Company's domain is
a valid acknowledgement for the mobility payments made by you.
We do not collect Original Registration Certificate. Please ensure that you collect the original RC from the
show-room where you purchased the vehicle and a photo-copy is handed over to the TVS Credit
Services Limited representative
In case of repossession of the asset, you will have to pay tow-away charges, godown charges, rentals and
other expenses incurred by the company for effecting repossession of the asset.
Company will send the pre-seizure intimation letter to you as per the terms and conditions mentioned in
loan agreement (Intimation letter may be treated/considered with the default intimation (or) 138 notice
Intimation on cheque bounce). Company will send the pre-sale Intimation letter to you as per the terms
and conditions mentioned In loan agreement to settle the dues before disposing of the asset.
Company will dispose the asset either through online bidding/physical presence of the buyer. However,
company will sell/consider the higher price only
Ensure that your vehicle is adequately insured at any point of time to protect you from theft/damage/any
claims arising from usage of the vehicle. The company is not responsible for any loss of life/damage to
the vehicle.
The decision to give a loan and the interest rate applicable to each loan account is assessed on a case to
case basis, based on multiple parameters such as the type of the asset being financed, borrower profile,
and repayment capacity, borrower's other financial commitments, past repayment track record if any, the
security for the loan as represented by the underlying assets, loan to value ratio, mode of payment,
tenure of the loan, geography (location) of the borrower, end use of the asset etc.

Other Conditions:

Event of Default:
a. Failing to pay EMI or insurance premiums on the due dates
b. Misrepresents facts or fails to produce documents
c. Dies or becomes insolvent or wound up or any criminal proceedings initiated
d. Creates any encumbrance on the asset or uses the asset for illegal activities
e. Fails to Submit Registration Certificate of the asset
f. Any other acts which jeopardizes the interest of the Company

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Toll free number: 1800 103 5005 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

Alteration and Rescheduling of the Instalments:

a. If the entire loan amount is not drawn by the Borrower within 60 days from the date of first disbursement
b. By request from the customer
c. Rate of interest shall be as per the RBI guidelines as on the date of rescheduling

Repossession:
a. When the borrower fails to pay any amount or any amount becoming due or if an event of default
occurs
b. After repossession of the assets and after giving notice to the borrower, if the borrower fails to pay the
total outstanding amount, interest and expenses, the company shall have the right to sell or dispose of
the vehicle as per law
c. The borrower shall be liable to pay all expenses for the repossession of the asset.

Termination:
The agreements shall be terminated only on repayment of the entire loan, interest and all other charges
or on termination of the agreement by the company on events of default.

Company’s Rights:
a. Repossess the asset in the event of default
b. Right to sell or dispose or transfer of the asset in the event of default
c. Initiate criminal action for cheque bounce and ECS bounce
d. Initiate Arbitration and other proceedings for the recovery of the outstanding amount, interest and other
expenses
e. Disclose all or any default if committed by the borrower to CIBIL or any other agency so authorised by
law

Schedule of charges applicable:

Details Charges

Processing fees As per scheme

Change in repayment frequency Rs.1,000/- for each instance

Bouncing charges per instance Maximum of Rs.750/-

Statement of account Rs.500/-

Prepayment charges a) Remaining loan tenor is < 12 months: 3% on

principal outstanding
b) Remaining loan tenor is from 12 to 24 months: 4%
on principal outstanding
c) Remaining loan tenor is > 24 months: 5% on
principal outstanding

Stamp Duty As per state laws

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Toll free number: 1800 103 5005 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

Details Charges

Loan cancellation and rebooking charges Rs.1,000/-

Penal Interest 36% p.a on the unpaid EMI, will be charged on delayed
days from the due date

Cheque Swapping Charges Rs. 500/- per swap

Legal, re-possession and Incidental Charges At Actuals

Service Charges At Actuals

Loan cancellation charges TW : 0 days to first EMI date: Tenor Less than or equal to 12
Months - 3%
Tenor between 12 to 24 Months - 4%
Tenor greater than 24 Months - 5%
Used car/ Tractor/ Used Commercial Vehicle:
0 - 15 days - Rs 2500/- > 15 days - Rs.2500/- and
Broken Period Interest

Duplicate Repayment Schedule Rs. 500/-

Duplicate No-due certificate / No Objection Certificate Rs. 500/-

Visit charges Rs.150/- per visit (Applicable when collection

executive visit customer place for collection)

Loan Reschedulement charges 3%

We value your relationship with us and believe that your becoming a part of the TVS family would be a
truly rewarding experience. If you require any further details on your loan account, please feel free to
contact us on our toll-free number 1800 103 5005 / mail to helpdesk@tvscredit.com Our customer
service representative will assist you for any help. You may also log in to our website www.tvscredit.com to
view your latest Statement of Account and other related information.

Please quote your loan agreement number, as mentioned above, in all future correspondence.

Warm Regards,

For TVS Credit Services Limited

Authorised signatory

Regd. Office: Chaitanya, No. 12, Khader Nawaz Khan Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2833 2800 Fax: 044 - 2833 2113
Corp. Office: No. 29, Jayalakshmi Estates, Third Floor, Haddows Road, Nungambakkam, Chennai - 600 006. Phone: 044 - 2828 6500 Fax: 044 - 2828 6570
Website: www.tvscredit.com Toll free number: 1800 103 5005 CIN: U6592OTN2008PLCO69758
 TVS CREDIT SERVICES LIMITED

మంర లఖ

M/s TUPURANI ADITYA PRAMOD 25-02-2023

A.Gs. Staff Quarters S.O
METRO PILLAR NO C1498
Hyderabad AP
500045
సంపంచు నం. : 6281004945
పాదన నం. : 3021TW0151880

ియన TUPURANI ADITYA PRAMOD ,

టఎ  స ట నుం ఒక ల రక దరఖసు ేసుకనందుక ధనాల. ఈ గవన ఇవబన షరతల
మయ బంధనల రక ఒక ల మంర ేయ మ సంిస ుమ. ే ఆవశకన పలను ాంచుకన
దట ఈ ఋణ కరమ క అందుబట ేయబడతం.

వరమల వాల
క అ ర: TVS
క : TVS RAIDER DISC BSVI
డ: TVS RAIDER DISC BSVI
అ ఖదు: ర.122000/-
క ల త ం (ర.): ర.84350/-
ల త మ క మ: ర.0/-
ల త మ క మ: ర.950/-
ల త మ ఆగ మ: ర.0/-
ల త మ  ంచబన ాంట: ర.0/-
త ం ల త మ: ర.85300/-
ాల వవ: 18 లల
అ ఇఎంఐ (EMI): 0 లల
ాసిం రసుమల: ర.2500/-
లస కంత(EMI): ర.5450/-
ాంిం మయ ఇతర ల: ర.750/-
ల బౖ ౌ: ర.0/-
తయర బౖ ౌ: ర.0/-
కస మ IRR (ాతం) 22.61% p.a.(లా బల తంే పద )
కంచుా యన DP త ం: ర.41400/-
ఇాార నదు రసుమ: ర.0/-
దరఖసుర ర: TUPURANI ADITYA PRAMOD
సహ-దరఖసుర ర:
ర ర:

స ర . ాాలయమ: ైతన, నం. 12, ఖద నా ఖ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2833-2800 ా: 044 - 2833 2113
ా ఆీ: నం. 29, జయల ఎ, థ  , ౌ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2828-6500 ా: 044 - 2828 6570
ౖ: www.tvscredit.com ట ీ నంబ: 1800 103 5005 ిఐఎ: U65920TN2008PLC069758
 TVS CREDIT SERVICES LIMITED

ఈ ం పల ాసువడం నాగవలింా మ రడన:

ౖన కనబరన షరతల రక ాసుబన ఒపంద పతమ
ెంప సూచనల (ACH/ADM/PDC/E-మే/నగదు రపమ).
ౌ ం రదు
“టఎ  స ట” ట తనఖ ఉంచబనట ా ఇ
దయేి ఈ ం షయలను గమంచం:
ఈ మంర లఖను జ ేిన ే నుం గషంా 20 ల ాట ఇ ెల బటల ఉంటం మయ ౖన న షరతల
మయ బంధనలక లబ ఉంటం. షరతల మయ బంధనలల ఏై మర జే అందుక జా ఒక మంర
లఖ అవసర ఉంటం.
క  సంబంం  ఒక "ెవ లఖ" ా ంచకడదు.
ెకల అంట కతంా “టఎ  స ట" ట మత జ ేయ ఉంటం.
 అభరన రక ౖన కనబరన పల అయనూ సంతృి కరన ల లరక అంన తాత మత అంమ ల
త మ పంిణ ేయబడతం.
ఆదమ క ఈ సమరమ మయ  షరతలను ఒక ెవ ల క డదల ఉత రా ంచకడద దయేి గమంచం.

షరతల మయ బంధనల:

ఒకళ ర నగదు రపమల ెంే కస మర అే, గడవ ేన ల అంతక మంే బాల ెంేల మయ
రదును అందుకల చూసుం. ఒకళ ర ఎి(ACH) / ఎఎం(ADM) / ిి(PDC)/ఇ-మే రపమల
 ెంే కస మర అే, ెంప(ల) అంద ారణంా అదనప  ంపను తించువ ాను  బం
ఖల తన ధుల ల ఉంేల చూసుం.
ట ఉపకరణం ా ఏౖ పత ెంపల జిన పమల, ే ేయబన ట ెంపలక కం గమ
నుం క అంన SMS ెల బట ఒక రదు అవతం.
మ ఒన ష   సి సుబ మ. ర క నుల ేిన  రమ నుం ఒన RC అందుకల
దయేి ాంచుం మయ   ట-ాీ టఎ  స ట ప అందజయం.
ఒకళ ఆి   ానమ ేసుబన పమల, ర ట-అ ల,  ౌ ల, అెల మయ ఆి  
ానం ేసువ కం ేిన ఇతర ఖరలను ెంచవలి ఉంటం.
ల ఒపందపతమల నబన షరతల మయ బంధనల రక కం క ానతక-మందు ెయజ లఖను
పంిస ుం. (ెయజ లఖను, ా సమర ెయజత (ల) ె బ ద 138 టసు సమరమ కి
చూసువచు/పగణంచవచు). ఆి  కం మందుా బాలను పషరణ ేయవలింా రత, ల
ఒపందపతమల నబన షరతల మయ బంధనల రక కం క కయ-మందసు లఖను పంిస ుం.
ఆి  కం ఆలౖ  ం ా ా/ నులర క పత సమమల ా కసుం. అనపట, కం
అక ధరక మత అమతం / పగణస ుం.
క క / ెబనడం/ ాడకమ వల ఉతనమ ఏ మల నుం ర రంచువ ాను ఏ
సమయమల అ స  క తన ధంా మ ేంచబనట  ా ాంచుం. జన ఏై ాణ
నష మ/క  కం బధత వంచదు.
సు నుం సు ాపకన షణ జి, ఆక సయం ేయబడతన ఆి క రకమ, ఋణగత    ౖ, మయ
ెంప ామరమ, ఋణగత క ఇతర ఆకపరన బద తల, ఒకళ ఏై ఉంట గత ెంప ట ార,
ఆసుల ందన ాధంా చూింన ధావత  ఆసుల, ల నుం లవ ష , ెంప క రపమ, ల క
ాలవ, ఋణగత క క ాస స లమ, ఆి క అంమ గమ వంట పల ాాతల ఆరంా ఒక
ల మంర ేయడం మయ ప ల ఖక వంే వ ట రయం సుబడతం.

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ఇతర బంధనల:
ౖఫలమ క ఉదంతమ:
a. గడవ ేలల లా కంత(ఇఎంఐ) ల మ ీయమల ెంచుటల ౖఫలమ
b. ాస ాలను తపా నుట ల పలను సమంచుటల ఫలమగట
c. ఋణగత ాల యట ల ాయపడట ల తనౖ రపత చరల సుబ ఉండట
d. ఆి ౖ ఏై ఋణరమ కంచుట ల ఆి  చట వక ారకమలక ఉపంచుట
e. ఆి క ష   సి సమరణల ౖఫలమ
f. కం క ఆస భంగం కంే ఏ ఇతర చరల

కంతలను మర ేయట ల డూల ేయట:

a. ఒకళ దట పంిణ క ే నుం 60 ల లపన ప ల త మను గనక ఋణగత సుకం
ఉనట ే
b. కస మర నుం అభరన ా
c. వ ట డూం ేస ున ే ట రయ జర బంక మర దరాల రక ఉంటం

పనఃానత:
a. ఋణగత ఏై త మను ెంచుటల ఫలనపడ ల ఏే త మ బ పనపడ, ల ౖఫల సంఘటన
ఏరనపడ
b. ఆసులను  ానమ ేసుకన తాత, మయ ఋణగతక టసు ఇన తాత, ఒకళ ఋణగత గనక త ం
బ ఉన త మ, వ మయ ఖరలను ెంచుటల ఫలే, చట పారమ క  అయటక ల
తరంచుటక కం హక ఉంటం
c. ఆి   ానమ ేసువ అన ఖరలంట ెంచుటక ఋణగత బధత వం ఉంటం.

ఎ త:
త ం ఋణమ, వ మయ ఇతర రసుమల అంట పా ెంన తాత ా ల ౖఫలమ క ఘటనల
కంే ఒపందమ రదు ేయబే మత ఒపందమల ఎ యబడ.

కం క హకల:

a. ౖఫలమ జన పమల ఆి   ానమ ేసునుట
b. ౖఫలమ జన పమల ఆి  అయ, ల తరంచు ల బ ేయ హక
c. ె బ ల ఇిఎ బ రక న చరలను ేపటట
d. బపయన త మ, వ మయ ఇతర ఖరలను వసూల ేసువ ఆటష   మయ ఇతర చట బద చరలను
ారంంచుట
e. ఋణగత ాలన అ ల ఏే ౖఫలలను ిఐఐఎ క ల చట పారమ అకృతపరచబన ఏే సంస క ల
ేయట

స ర . ాాలయమ: ైతన, నం. 12, ఖద నా ఖ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2833-2800 ా: 044 - 2833 2113
ా ఆీ: నం. 29, జయల ఎ, థ  , ౌ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2828-6500 ా: 044 - 2828 6570
ౖ: www.tvscredit.com ట ీ నంబ: 1800 103 5005 ిఐఎ: U65920TN2008PLC069758
 TVS CREDIT SERVICES LIMITED

వంచు ల క డూల:

వాల ల

ాసిం రసుమల పథకం పారమ

 ెంప అంతరమల మర ఒ ఉదం ర.1,000/-

ఒ ఉదం బ ల గషంా ర. 750/-

ఖ క ం ర. 500/-

ెంప ల a) యన ల ాలవ < 12 లల: బ ఉన

అసల త మౖ 3%
b) యన ల ాలవ 12 నుం 24 లల: 4%
బ ఉన అసల త మౖ
c) యన ల ాలవ > 24 లల: బ ఉన
అసల త మౖ 5%

ాం డూట ాష  చటల పారమ

ల రదుపరచడం మయ  బం ల ర. 1,000/-

అపాధప వ గడవ ే నుం ఆలసన లక ెంచ ఇఎంఐ ౖన ాలక
36% ంచబడతం

ెక మ (ాిం) ల ర. ఒ ా క 500/-

య, పనఃానత మయ ఆకిక ల ాస వ ఖరల

ా రసుమల ాస వ ఖరల

ల రదు పరచు ల TW : దట ఇఎంఐ ే 0 ల: 12 లలక తకవ ల
సమన ాలవ - 3%
12 నుం 24 లల మధ ాలవ - 4%
24 లలక ంన ాలవ - 5%
ఉపంన ార/ టకర/ ఉపంన ాణజ క:
0 - 15 ల - ర 2500/- > 15 ల - ర.2500/- మయ
 న ాలవవ వ

డూి  ెంప డూల ర. 500/-

డూి  బా-లద సి / రభంతర సి ర. 500/-

సందరన ల 150/- ఒ సందరనక (కల ఎకట కరణ సం ఋణగత
స ల సందంనపడ వస ుం)

ల డూం ేయ ల 3%

మ  సంబంధబంధా మ లవసుమ మయ ర టఎ  కటంబమల ఒక గం ావడం జంా
 
 హకరన అనుభవమా నమతమ.  ల ఖౖ క ఏౖ తదుప వాల గనక ావలి ఉంట, దయేి
మ ట-ీ నంబర 1800 103 5005 ౖ ా ేయ / helpdesk@tvscredit.com   ేయ దయేి ఏ
మతమ సంేంచవదు. ఏై సయం సం మ కస మ స ప క సహక ార.  ఖ అతంత జ
ంట మయ ఇతర సంబంత సమరమను చూడ ర మ ౖ www.tvscredit.com క క ల-ఇ
ావచు. దయేి భష ఉత ర పతత ాలంటలనూ ౖన కనబరనట
 ా  ఋణ ఒపందపతమ నంబరను కనబరచం.

స ర . ాాలయమ: ైతన, నం. 12, ఖద నా ఖ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2833-2800 ా: 044 - 2833 2113
ా ఆీ: నం. 29, జయల ఎ, థ  , ౌ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2828-6500 ా: 044 - 2828 6570
ౖ: www.tvscredit.com ట ీ నంబ: 1800 103 5005 ిఐఎ: U65920TN2008PLC069758
 TVS CREDIT SERVICES LIMITED

దయేి  ల అం నంబను ౖన న ధంా, భషత

 ల జ అ కరాంెలల  ేయం.

నందనల,

టఎ  స ట తరఫన

అకృత హ  అా

స ర . ాాలయమ: ైతన, నం. 12, ఖద నా ఖ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2833-2800 ా: 044 - 2833 2113
ా ఆీ: నం. 29, జయల ఎ, థ  , ౌ , నుంగంబకం, ెౖ - 600 006.  : 044 - 2828-6500 ా: 044 - 2828 6570
ౖ: www.tvscredit.com ట ీ నంబ: 1800 103 5005 ిఐఎ: U65920TN2008PLC069758