Place: Mumbai

SANCTION LETTER
Date: 24 December, 2023

Atul Roy
544/1635,Prem ngar,Baraura,Husain
baari,Lucknow,Chowk,Lucknow,Lucknow,Lucknow,Uttar
Pradesh,226003,Lucknow,226003,Lucknow,Uttar Pradesh

Dear Sir / Madam,

Please refer to your loan application LCL07467253 for a loan facility from Trillionloans Fintech Private Limited
made through OLA FINANCIAL SERVICES PRIVATE LIMITED

We are happy to provide the credit facility on the following broad Terms & Conditions.

1 Sanction Amount INR 128000 (this is your loan amount)

2 Rate of Interest % p.a. (Annualized) 18.1% Declining per year

3 Tenure 36 Months

4 Lender Facilitation charges INR 3020.8

5 Insurance charges NA

6 EMI Start Date 05 January, 2024

7 EMI Amount INR 4633.93

8 Delay Charges Rs. 650 per delay of an EMI + 36% interest per annum

This Sanction Letter may not be construed as a binding commitment on us to disburse the above-mentioned credit
facility unless you have accepted the standard loan terms in a form and manner acceptable to us and the conditions for
disbursal set out therein are fulfilled to our satisfaction.

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Timestamp 2023-12-24 12:57:42

7th Floor, Unit No. B2, 705, in Building Kanakia

Boomerang situated at Yadav Nagar, Chandivali, Powai,
Mumbai-400072, Maharashtra.
 TERMS AND CONDITIONS
The Borrower, as described in schedule below (hereinafter referred to as the “Borrower” which expression shall be
deemed to mean and include his / her / their respective heirs, administrators, executors, legal representatives of the
First Part; AND the Lender, Trillionloans Fintech Private Limited, a company incorporated under the provisions
of the Companies Act, 2013, having corporate identity number U72900MH2018PTC304939 and its registered office
at 7th Floor, Unit No. B2, 705, in Building Kanakia Boomerang situated at Yadav Nagar, Chandivali, Powai, Mumbai-
400072, Maharashtra. (hereinafter collectively referred to as the “Lender” or “Trillionloans” which expression shall
be deemed to mean and include his/her/its / their respective heirs, assigns, administrators, executors, legal
representatives, successors (as the context may require), of the Other Part.
Each is hereinafter be referred to individually as ‘Party’ or collectively as ‘Parties’.

By agreeing to initiate the process for availing the loan through Trillionloans Finetch Private Limited
(“Trillionloans”), I / we hereby explicitly provide my / our consent to Trillionloans to access my / our credit
information from the relevant agencies / authorities. Lender shall at any time, be entitled to sell or transfer all or any
part of his/her rights and obligations under the Loan and the Master Terms and Conditions, to any person(s)/entity by
mere intimation/notice to the Customer and in such manner as lender may deem appropriate from time to time. The
Borrower shall not be entitled to assign or in any manner transfer any rights or obligations under the Master Terms and
Conditions.

I confirm the receipt of copy of the terms and conditions governing this Loan, have read and understood the same and
agree to be bound by it.

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Timestamp 2023-12-24 12:57:42
 DEMAND PROMISSORY NOTE
Rs. 128000 /- Date: 24 December, 2023
ON DEMAND, I/WE
Atul Roy agree to pay Trillionloans, 7th Floor, Unit No. B2, 705, in Building Kanakia Boomerang situated at
Yadav Nagar, Chandivali, Powai, Mumbai-400072, Maharashtra. a sum of Rs. 128000 for value received.

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 Consumer Finance Application Form Loan ID LCL07467253
Please fill in all the required details in BLOCK LETTER
Circle Options as applicable. *Mandatory Fields Applied Loan Amount 128000

1 Personal Details:
Name Atul Roy

Date of Birth 01 October, 1995 Marital Status Gender Male

PAN Number B V D P R 3 8 6 3 D

Aadhar Number
Net Monthly income
2 Contact Details:

Residence is Rented Rented Co-provided Residence since

544/1635,Prem ngar,Baraura,Husain
House No. & Bldg. Name baari,Lucknow,Chowk,Lucknow,Lucknow,Lu City Lucknow
cknow,Uttar Pradesh,226003

Street Name NA State Uttar Pradesh

Locality Lucknow Pin Code 226003

Email ID atul37832731@gmail.com Mobile # 8864809591

3 Employment / Business Details:

Name of the company Business

Designation NA

Office Address
Area NA City NA

Locality State NA

Landmark Pin Code NA

4 Bank Details:
Account Number 42305827046 Bank Name STATE BANK OF INDIA

Account Type Saving IFSC Code SBIN0003814

Branch Address STATE BANK OF INDIA

5 Disbursement account
Dealer/Dsa OLA FINANCIAL SERVICES PRIVATE LIMITED
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 UNDER TAKING / DECLARATION

1. I/We here by apply for a finance facility through Trillionloans as stated in this Application Form.
2. I/We declare that all the particulars, information and details provided in this application form and the documents
submitted by me/us are true, correct, complete and up-to-date in all respects and that I / we have not withheld any
material information.
3. I / We have read and understood the fees and charges applicable to the finance facility (ies) that I / we may avail
through Trillionloans from time to time.
4. I/We acknowledge that Trillionloans reserves the right to use auto debit for payment of EMI. The borrower
acknowledges and agrees that if the auto debit service is not available on their respective Bank account and the
borrower fails to pay EMI payment on or before the due date, an additional charge of INR 650 shall be payable by
the borrower, in addition to LPI charges.
5. I/We acknowledge that upon non-payment or bounce of auto debit payment of EMI due to insufficiency of funds,
an additional bounce/Service charges along with an interest of 3 % per month on the over-due amount shall be
payable by the Borrower.
6. I/We acknowledge that Trillionloans reserves the right to auto debit EMI amount and pending dues multiple times
in a month if auto debit has bounced due to insufficient funds. For each bounce due to insufficient funds penalty
of INR 650/bounce would be charged.
7. All disputes (includes default committed by the Borrower as per this Agreement), differences and/or claim arising
out of or touching upon this Agreement whether during its subsistence or thereafter shall be settled by arbitration
in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or any statutory amendments
thereof and shall be referred to Sole Arbitrator to be mutually appointed by both the parties. The seat, place and
venue of Arbitration proceedings shall be at Mumbai and the language shall be in English. The award, including
any interim award/s given by the Arbitrator shall be final and binding on all Parties concerned. The Arbitrator
shall give reasons for the award including interim award/s. The cost of the arbitration shall be equally borne by
the Parties.
8. It is specifically agreed that the disputes between the parties may be resolved through “Online Dispute
Resolution” (ODR) mechanism. The Arbitrator may send the notices, claim statement, documents, replies,
counters, adjournment letters etc., of the arbitration proceeding to the Borrower/Guarantor’s his/her/their
registered e-mail ID or mobile number and the same shall be considered as proper service on the
Borrower/Guarantor. If the parties agree, the Arbitrator may record oral evidence through video calling facility
also. Any notices, claims, replies, rejoinders, letters and documents can be sent by a Party to the e-mail ID of the
Arbitrator and the Arbitrator, subject to its genuineness may consider the same for adjudicating the dispute.
9. Trillionloans shall, however, be entitled to initiate action and/or proceed under the Payments and Settlements
System Act, 2007 and the provisions of Chapter XVII of the Negotiable Instruments Act, 1881 (including any
statutory modification, amendment or re-enactment thereof for the time being in force and as may be enacted
from time to time) and rules made thereunder, if applicable.
10. This Agreement shall be governed and construed in accordance with the substantive laws of India and the Parties
hereto submit to the exclusive jurisdiction of the Courts situate at Mumbai. The Parties irrevocably waive any
objection now or in future, to the laying of the venue of any proceedings in the courts and tribunals at Mumbai.
Nothing contained in this Clause 13 shall limit any right of the Lender to take proceedings in any other court or
tribunal of competent jurisdiction, nor shall the taking of proceedings in one or more jurisdictions preclude the
taking of proceedings in any other jurisdiction whether concurrently or not and the Parties irrevocably submit to
and accept for themselves and in respect of their property, generally and unconditionally, the jurisdiction of such
court or tribunal, and the Parties irrevocably waive any objection they may have now or in the future to the laying
of the venue of any proceedings and any claim that any such proceedings have been brought in an inconvenient
forum.
11. The Borrower accepts, confirms and consents for the disclosure and sharing by the Lender of all or any
information and data relating to the Borrower, the facilities, any other transactions that the Borrower has with the
Lender, the Borrower’s account, and the agreements and documents related to the Loans and transactions,
 including but not limited to information relating to default, if any, committed by the Borrower, in the discharge of
the Borrower’s obligations in relation to the Loan or other transactions, as the Lender may deem appropriate and
necessary to disclose and furnish, to the Reserve Bank of India (“RBI”) and/or credit information companies
and/or to any other agency or body, to other lenders including assignees and potential assignees, to its
professional advisers, consultants and service providers engaged by it in relation to the Loan, to the acquaintances
of the Borrower and/or as required under law or any applicable regulation, or at the order or at the request of a
court of law, any statutory, regulatory or supervisory authority
12. The Parties agree that damages may not be an adequate remedy and the Parties shall be entitled to seek an
injunction, restraining order, right for recovery, suit for specific performance or such other equitable relief as a
court of competent jurisdiction may deem necessary or appropriate to restrain the other Parties from committing
any violation or enforce the performance of the covenants and obligations contained in this Agreement. These
injunctive remedies are cumulative and are in addition to any other rights and remedies the Parties may have at
law or in equity.
13. I / We confirm that I / we are competent to contract and that no insolvency proceedings or suits for recovery of
outstanding dues, monies or property (ies) and / or any criminal proceedings have been initiated and / or are
pending against me.
14. I / We declare that I / We have not received any request for or made any payment in cash, bearers’ cheques or of
any other kind in connection with this application form from / to any person.
15. I / We hereby authorize Trillionloans to exchange or share information and details relating to my application to its
group companies or any third party, as may be required or deemed fit, for the purpose of processing this loan
application and / or related offerings or other products / services that I / We may apply for from time to time.
16. By agreeing to initiate the process for availing the loan from Trillionloans, I / we hereby explicitly provide my /
our consent to Trillionloans to access my / our credit information from the relevant agencies / authorities.
17. I / We hereby consent to and authorize Trillionloans to increase or decrease the credit limit assigned to me from
time to time. I / We will not raise any objection or dispute with regard to the same at any point of time.
18. I / We understand that my Trillionloans account login credentials including login and transaction password issued
by Trillionloans from time to time, constitutes confidential information and I/We agree to keep the same secure
and confidential to prevent any unauthorized use / misuse.
19. By submitting this application, I / We hereby expressly authorize Trillionloans to send me communications
regarding loans, insurance and other products from Trillionloans, its group companies and / or third parties
through telephone calls / SMSs / emails / post etc. including but not limited to promotional communications. I /
We confirm that receipt of such communications shall not be treated by me / us as unsolicited communication,
defined under TRAI Regulations on Unsolicited Commercial Communications. I / We understand that I / We can
at any time opt not to receive any such telecommunication by registering under the Do Not Call Registry.
20. I / We understand and acknowledge that Trillionloans has the absolute discretion, without assigning any reasons
to reject my application and that Trillionloans is not answerable / liable to me, in any manner whatsoever, for
rejecting my application.
21. I / We understand that my Trillionloans account login credentials including login and transaction password issued
by Trillionloans from time to time, constitutes confidential information and I/We agree to keep the same secure
and confidential to prevent any unauthorized use / misuse.
22. By submitting this application, I / We hereby expressly authorize Trillionloans to send me communications
regarding loans, insurance and other products from Trillionloans, its group companies and / or third parties
through telephone calls / SMSs / emails / post etc. including but not limited to promotional communications. I /
We confirm that receipt of such communications shall not be treated by me / us as unsolicited communication,
defined under TRAI Regulations on Unsolicited Commercial Communications. I / We understand that I / We can
at any time opt not to receive any such telecommunication by registering under the Do Not Call Registry.
23. I / We understand and acknowledge that Trillionloans has the absolute discretion, without assigning any reasons
to reject my application and that Trillionloans is not answerable / liable to me, in any manner whatsoever, for
rejecting my application.
24. I hereby consent and authorize Trillionloans to send me notifications and updates regarding my loan using
Whatsapp.
25. 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 Trillionloans as per lender’s criteria.
26. I/We acknowledge and confirm that the Loans may be disbursed into the bank account of a third party as per the
instructions provided by me/us in the disbursement request.
27. That Lender / Trillionloans shall have the right to make disclosure of any information relating to me/us including
personal information, details in relation to loans, defaults, etc. to the credit information companies / TransUnion
CIBIL Limited (CIBIL) and/or any other governmental/regulatory/statutory or private agency / entity, credit
bureau, RBI, the lender’s / Trillionloan’s other branches/ subsidiaries / affiliates / rating agencies, service
providers, other banks / financial institutions, any third parties, any assigns/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/ lender/ RBI/ Trillionloan, 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.
28. That I / We have not taken any loan / credit from any other bank/ finance company unless otherwise specifically
declared by me/ us.
29. 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/ lender.
30. That the funds shall be used for the purpose for which loan has been applied and will not be used for speculative
or any illegal purpose.
31. In case of default in payment of any scheduled EMI, I/We will have to pay the charges for late payment of EMI
which shall be 36% per annum (excluding GST) on amount outstanding from the date of default and Rs. 650 for
dishonor of any repayment instruction including cheque and/or electronic transfer.
32. In case of default in payment, Trillionloans reserves the right to demand the repayment of the full outstanding
amount.
33. I / We, hereby confirm that I / We have contacted Trillionloans for my requirement of consumer loan and no
representative has emphasized me directly / indirectly to take the loan.
34. I confirm the receipt of copy of the terms and conditions governing this Loan, have read and understood the same
and agree to be bound by it.
35. I understand that Trillionloans has been authorized by the lender of the Loan to undertake various activities with
respect to this loan, including but not limiting to executing various documents in respect thereof.
36. I / We agree that Trillionloans can hire 3rd party agency for collection of pending due amount.
37. I understand that Trillionloans in no way takes warranty of services of its service provider and I was not referred
to the service provider by Trillionloans. I am expected to resolve my dispute, if any with the service provider
independently and approach them for refunds/ cancellations without hampering the EMI repayments of
Trillionloans.
38. The borrower can connect to the customer grievance officer of Trillionloans at grievances@trillionloans.com in
case of any questions regarding the loan or this agreement.
39. We acknowledge the receipt of your loan application for a loan through Trillionloans. Please write to us at the
given mail id for your queries and suggestions: customercare@trillionloans.com
40. I / We hereby authorize Trillionloans to disburse the loan amount on my behalf to the service provider. Date: 24
December, 2023 Place: Mumbai
41. There is no cancellation allowed , however in extremely rare scenario, IF the service provider agrees to cancel the
loan the charges would applicable as 2 percent per month on the loan value from the date of disbursal.

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Timestamp 2023-12-24 12:57:42
 SCHEDULE 2

KEY FACT STATEMENT/FACT SHEET

Trillionloans Fintech Private Limited

Date: 24 December, 2023 Borrower Name: Atul Roy

Sr. No. Parameter Details

Total Loan amount (amount disbursed to the

(i) 128000
Borrower) (in INR)

Total interest charge during the entire tenure of

(ii) the Loan (Interest to be paid as a part of EMIs) 38821.48
(in INR)

Other up-front charges, if any (break-up of each

(iii) 3020.8
component to be given below) (in INR)

Processing
(a) 3020.8
fees (in INR)

Insurance
(b) charges (in NA
INR)

Broken
Period
(c) NA
Interest (BPI)
(in INR)

Documentatio
(d) n Charges (in NA
INR)

Others (if
(e) 0
any) (in INR)

(iv) Net disbursed amount ((i)-(iii)) (in INR) 124979.2

Total amount to be paid by the borrower (sum of

(v) 169842.28
(i), (ii), and (iii)) (in INR)
 Annual Percentage Rate (APR) - Effective
annualized interest rate (in percentage)(computed
(vi) 19.83%
on net disbursed amount using IRRapproach and
reducing balance method)

(vii) Tenure of the Loan (in months/days) 36

(viii) Repayment frequency by the borrower Monthly

(ix) Number of installments of repayment 36

Amount of each installment of repayment (in

(x) 4633.93
INR)

(xi) Advance EMI (in Rupees) 0

Details about Contingent Charges

For No Cost loans - No charges

For ROI based loans - 3% of the principal amount
of the loan outstanding as on the date of such full
or part- prepayment if pre-payment is made
(xii) Prepayment charges, if any within 12 months of the first EMI date. If pre-
payment is made after 12 months of the first EMI
date, charges shall be 2% of the principal amount
of the loan outstanding as on the date of such full
or part prepayment

Rate of annualized penal charges in case of

(xiii) 36% interest per annum
delayed payments (if any)

Rate of annualized other penal charges (if any);

(xiv) NA
(details to be provided)

NACH registration failure charges (in INR) (if

(xv) NA
any)

NACH/e-mandate bounce charges (in INR) (if

(xvi) 650
any)

(xvii) SOA charges, if applicable (in INR) NA

Other disclosures

Cooling-off/look-off period (The Borrower can,

within the cooling-off/ lookup period, exit the
(xviii) 3 days
loan by paying the principal and the proportionate
APR without any penalty.)
 For Trillionloans Fintech Private Limited
Nodal grievance redressal officer of Trillionloans:
Name: Hardik Nandani
Email: nodalofficer@trillionloans.com
Contact: 02246191245
Address: 7th Floor, Unit No. B2, 705, in Building
Kanakia Boomerang situated at Yadav Nagar,
Chandivali, Powai, Mumbai-400072,
Maharashtra.

Grievances Redressal Policy:

Name, designation, address and phone number of https://www.trillionloans.com/policies-
nodal grievance redressal officer designated codes.html
(xix)
specifically, to deal with FinTech/ DigitalLending
Related Complaints/ Issues For NDX P2P Private Limited (LiquiLoans)
Nodal grievance redressal officer of LiquiLoans:
Name: Mr. V. Balamurugan
Email: grievances@liquiloans.com
Contact: 02247779519
Address: 2nd Floor, Office No. 203 & 204, Mittal
Commercial, Saki Naka, Off Andheri KurlaRoad,
Andheri (East), Mumbai – 400059

Grievances Redressal Policy:

https://www.liquiloans.com/customer-grievances-
redressal-mechanism
 DETAILED REPAYMENT SCHEDULE

Installm
Installment (in Rupees)
ent No.

1 4633.93

2 4633.93

3 4633.93

4 4633.93

5 4633.93

6 4633.93

7 4633.93

8 4633.93

9 4633.93

10 4633.93

11 4633.93

12 4633.93

13 4633.93

14 4633.93

15 4633.93

16 4633.93

17 4633.93

18 4633.93

19 4633.93

20 4633.93

21 4633.93

22 4633.93

23 4633.93

24 4633.93

25 4633.93
 26 4633.93

27 4633.93

28 4633.93

29 4633.93

30 4633.93

31 4633.93

32 4633.93

33 4633.93

34 4633.93

35 4633.93

36 4633.93

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IP Address 165.1.238.202
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Timestamp 2023-12-24 12:57:42