Offer-Cum-Sanction Letter

Date: 2024-11-06

Dear Sohan Patra ,

We are pleased to inform you that your application for the loan on the Kissht App has been conditionally approved by Si Creva Capital
Services Private Limited, an RBI approved NBFC, as per the details submitted by you. The sanction letter doesn’t guarantee the final
disbursement of the loan. The lender shall evaluate your creditworthiness before final disbursement.

Transaction Reference ID FAST7681730886144145

Purpose of Loan None

Product Type Longterm Personal Loan

Approval Date 2024-11-06 15:13:45

Loan Amount 20000

Annualized Interest Rate (% per annum) 45%

Interest Amount 1523

Interest Type Fixed

Processing Fees (inclusive of GST) 1416

Annual Percentage Rate (APR) 92%

Tenure 3 Months

Total Amount to be Paid 21523

Validity Period of the offer 30 days from the date of offer

Refer to the Most Important Terms and Conditions & Key Fact Statement for more details.

To understand your risk classification in accordance with the criteria decided by the company, click here
https://sicrevacapital.com/interest-rate-policy/. In case of any concerns, feel free to reach out to the customer care team at
[email protected] and quote your transaction number for easy reference.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park,
LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited

[email protected]
https://sicrevacapital.com (022) 6282 0570
 KEY FACT STATEMENT
Name of the Borrower Sohan Patra

Address of the Borrower DUILLYA DUILLYA NEAR DUILLYA NOBADA GOSTI CLUB HOWRAH WEST BENGAL 711302

Name of Lender (RE) Si Creva Capital Services Private Limited

Name of the Lending Service Provider (LSP) OnEMI Technology Solutions Private Limited

Name of the Digital Lending Application (DLA) Kissht

Date of Issuances 2024-11-06 15:13:45

Validity Period of KFS 30 Days

Sr.no. Parameter Details

PART 1- INTEREST RATES AND FEES/ CHARGES

Loan proposal/ account No. FAST7681730886144145

Type of Loan Personal Loan

(i) Sanction Loan Amount (in Rupees) 20000

Disbursement Schedule

Disbursement in stages or
a 100% upfront. 100% upfront
If it is stage wise, mention the
clause of loan agreement
having relevant details

b Disbursement Date -

c Interest details

(ii) Total Interest Amount (in Rs.) 1523

a Rate of Interest (% per annum) 45%

Interest Type (fixed or floating or

b Fixed
hybrid)

Additional Information in case of

c Not Applicable
Floating rate of interest

Reset periodicity Impact of change in the reference benchmark (for 25

Reference Benchmark rate Spread (%) Final rate (%) R = (Months) bps change in ‘R’, change in:)
Benchmark (%) (B) (S) (B) + (S)
d B S EPI (Rs.) No. of EPIs

- - - - - - - -

(iii) Fees and Charges

Payable to the RE (A) Payable to a third party through RE (B)

One-time/ Amount (in Rs) or Percentage (%) as One- Amount (in RS) or Percentage (%) as
Recurring applicable time/Recurring applicable

a. Processing Fees One-time 1416 NA NA

b. Insurance Charges NA NA NA NA

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
 c. Valuation Fees NA NA NA NA

Any Other (Please

d. NA NA NA NA
specify)

Net Disbursement Amount (in Rs.) (i)-

(iv) 18584
(iii)

Total Amount to be Paid (in Rs.) (sum of

(v) 21523
(i), and (ii)

Annual Percentage Rate (% per

annum) Effective annualized interest
(vi) rate (in percentage) (computed on Net 92%
Disbursed Amount using IRR approach
and reducing balance method)

(vii) Loan term (year/months/days) 3 Months

(viii) Instalment Details

a Type of Instalments Monthly

Number of Equated Periodic

b 3
Instalments (EPIs)

Equated Periodic Instalment (EPI) (in

c 7173
Rs.) (as per Annexure A)

Commencement of repayment, post

d 2024-12-06
sanction

Details of Contingent
(ix) Charges

Penal charges, if any, in case of

a Refer - Annexure B
delayed payment

b Other penal charges, if any Refer - Annexure B

c Foreclosure charges, if applicable Refer - Annexure B

Charges for switching of loans from

d Refer - Annexure B
floating to fixed rate and vice versa

e Any other charges (please specify) Refer - Annexure B

(x) Part 2 (Other qualitative information)

Appointment of third parties by the Lender

The Borrower accepts that the Lender shall without prejudice to its right to perform the activities itself or through its officers or
employees or other authorised agents, be entitled, and have full power and authority, to appoint one or more third parties and
delegate to such third party all or any of its functions, rights and powers under this Agreement relating to the administration of the
Clause of Loan agreement relating to
a Loan including the right to collect and receive on behalf of the Lender all the dues under this Agreement and give valid and
engagement of recovery agents
effectual receipts and discharge to the Borrower and to perform and execute all lawful acts, deeds, matters and things connected
herewith or incidental hereto. For the purpose aforesaid or any other purpose which the Lender at the sole discretion may deem
fit, the Lender shall be entitled to disclose to such third parties all necessary and relevant information pertaining to the Borrower.
The details of the Recovery mechanism are annexed in Schedule- 1.

The Lender facilitates resolution of customer’s grievances. In the event of any complaint/ issue please refer to the Grievance Officer
Clause of Loan agreement which details details annexed in Schedule-2.
b
grievance redressal mechanism

c Phone number and email id of the The Lender facilitates resolution of customer’s grievances. In the event of any complaint/ issue please refer to the Grievance Officer
nodal grievance redressal officer details annexed in Schedule-2.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
 YES,ASSIGNMENT
The Borrower shall not be entitled to jointly or severally transfer or assign all or any of their right or obligation or duties
under the Financing Documents to any person directly or indirectly or create any third-party interest in favour of any
Whether the loan is, or in future maybe, person without the prior written consent of Lender.
d subject to transfer to other REs or Lender shall be entitled to sell, transfer, assign or securitise in any manner whatsoever (in whole or in part and including
securitisation (Yes/ No) through grant of participation rights) all or any of its benefits, right, obligation, duties and / or liabilities under Financing
Documents, without the prior written consent of, or intimation to the Borrower in such manner and such terms as Lender
may decide. In the event of such transfer, assignment or securitization, the Borrower shall perform and be liable to
perform their obligation under the Financing Documents to such assignee or transferor. In such event, the Borrower shall
substitute the remaining Auto-Mandate in favour of the transferee/ assignee if called upon to do so by Lender.

(xi) In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing), following additional details may be furnished:

Name of the originating RE, along with its funding proportion Name of the partner RE along with its proportion of funding Blended rate of interest
a NA NA NA

(xii) Other disclosures

Cooling off/look-up period during

a which borrower shall not be charged 3 Days
any penalty on prepayment of loan

Details of LSP acting as recovery agent

OnEMI Technology Solutions Private Limited and for other recovery agents details please click here
b and authorized to approach the
https://sicrevacapital.com/collection-agencies/
Borrower

For Privacy Policy, please find below links

Si Creva :- https://sicrevacapital.com/privacy-policy
PaywithRing:- https://www.paywithring.com/consumer/privacy-policy
Kissht:- https://www.kissht.com/privacy-policy

For Statement of Accounts, please contact customer care

[email protected]

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
Schedule 1 - Details of Recovery Mechanism:
a. SI Creva Capital Services Private Limited (SCCSPL) is an RBI registered NBFC follows all extant rules related to collections practices as laid down under regulations. SCCSPL follows a
customer first approach where the emphasis of collections is to work with the borrower so as to ensure the best outcome for them, while educating them on their rights and consequences
under different scenarios.
b. The course of action adopted by SCCSPL post default by the borrower in repaying the scheduled repayment(s) is as follows:
In the event of any delay or default in payment of any amount due and payable by the borrower in relation to the loan, the immediate action taken is to initiate messaging
through SMS, in-app chat, Verified WhatsApp Business Account, IVR, notifications, email and tele-calling by our inhouse collection team. The messaging is context-based and
focuses on customer education and warning around credit bureau impacting future loans and legal impact.
The next action taken is to send written communication by letters and/ or by electronic communication LDN (Loan Demand Notice) and LRN (Loan Recovery Notice) through
multiple channels including email, SMS, Verified WhatsApp Business Account and registered post in vernacular languages.
Finally, SCCSPL delegates the recovery to its network of field agents who will first visit the borrower at the place of their choice, and in the absence of any specified choice of
place, at the place of their residence and if unavailable at residence, at the place of business/occupation/ identified place of work. Such personal visits shall ideally be from 8.00
am to 7.00 pm. It is ensured that the external collection partners are compliant with RBI guidelines and recommendations and follow best industry practice. In case of personal
visits, identity and authority of persons making such visits for follow up and recovery would be made known to the obligors at the first instance. All collection agents will be
required to follow a code of conduct covering their dealings with the borrowers. All the practices adopted for follow up and recovery of dues and enforcement of security will be
in consonance with applicable laws. In addition to the foregoing, recovery proceedings may be initiated in accordance with applicable laws.

Schedule 2- Details of Grievance Redressal Mechanism and Grievance Officer:

Level 1:

022 62820570 / 022 48914921

Call The customer can get in touch with the customer service executive over call between 9:30 am to 6:30 pm, 7 days a week & 365 days a year by dialling the above number.
If the customer is unable to connect due to temporary heavy call volumes. A callback shall be attempted, in most of the cases, by the customer services team to the
customer to resolve his query/grievances.

022 48913631

The customer can get in touch with the customer service executive over Chat (preferably from his/her registered mobile number) between 9:30 am to 6:30 pm, 7 days a
Chat week & 365 days a year by saving the above Official WhatsApp Chat number on his/her smartphone. In addition to WhatsApp Chat, the customer can also Chat with
the customer service executive by simply using the Chat option given in the Kissht/PaywithRing App.
During non-working hours, the customer can use the automated Chatbox service available on the same number for getting his/her basic queries resolved and for
raising a grievance too.

[email protected]

Email a. The customer can get in touch with the customer service executive over Email by sending his query/grievance (preferably from his/her registered email id) to
the above mentioned email id of the company.

Level 2: If customer is unable to get a satisfactory response or is unable to reach the above Level 1 channels for Grievance Redressal, he/she may choose to escalate the issue to the below
mentioned officer’s:

Grievance Redressal Officer (GRO) Nodal Officer (NO)

Mr. Mukul Dwivedi Ms. Benishba Jivin
Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai,
Maharashtra 400070 Maharashtra 400070
Lender Ph: 7967112136 Ph: : 08046983691

Email: [email protected] Email: [email protected]

Grievance Redressal Officer (GRO) Nodal Officer (NO)

Mr. Pravin Rathod Mr. Zaffar Khan
Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai,
Maharashtra 400070 Maharashtra 400070
LSP 1 Ph: 080-68249277 Ph: : 080-68249278

Email: [email protected] Email: [email protected]

LSP2 - -

Important Notes:

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
 a. The Grievance Redressal Officer (GRO) may be reached on the number provided above anytime between 10:00 and 18:00 from Monday to Saturday except public holidays or through
the e-mail address above. The GRO shall endeavor to resolve the grievance within a period of 14 days from the date of receipt of a grievance.
b. If the Borrower does not receive a response from the GRO within 14 (fourteen) days of making a representation, or if the Borrower is not satisfied with the response received from the
GRO, the Borrower may reach the Nodal Officer anytime between 10:00 to 18:00 from Monday to Saturday except public holidays or write to the Nodal Officer at the e-mail address
above.
c. If the grievance is not redressed by the Nodal Officer of the Company, within a period of 30 (thirty) days, then the borrower can lodge a complaint over the Complaint Management
System (CMS) portal under the Reserve Bank- Integrated Ombudsman Scheme (RB-IOS).

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
Annexure A: Repayment Schedule:
Instalment number Instalment date Outstanding Principal (in Rs) Principal (in Rs.) Interest (in Rs.) Instalment (in Rs.)

1 2024-12-06 20000 6433 740 7173

2 2025-01-06 13567 6654 519 7173

3 2025-02-06 6913 6913 264 7177

Note:

a. Please note that this Key Fact Statement and the repayment schedule is applicable in respect of availing a Loan as of this moment, and is intended to be merely illustrative in case if the
Loan is intended to be availed in future. For the sake of clarity, if the Loan is availed in future, in that case depending upon the actual amount intended to be availed by the borrower and
the actual date of disbursement, a revised Key Fact Statement and the repayment schedule shall be shared, before the execution of the Loan contract.
b. If the borrower chooses to prepay the loan, the repayment schedule shall be amended accordingly.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
Annexure B- Details of Contingent charges:
Late Payment charges:

Bounce Charges (One-time fee) Rs. 750 + Applicable taxes per EMI per instance of default and the same is payable apart from payment of applicable Daily Penal charges

Penal Charges Penal Charges for continuing default in repayment of EMI @ 0.2% (Per day) + GST of the overdue principal amount.

Important Notes

Bounce Charges & Daily Penal Charges will be applied if the EMI repayment is done after the scheduled due date or if otherwise applicable as per the terms of the Financing Document
(collectively referred to as “Late Payment Charges”).

Foreclosure charges 4% + Applicable Taxes on the principal amount foreclosed. The foreclosure charges will not be applicable during the cooling-off period.

Other charges Stamp duty and other cess would be collected at applicable rates from time to time.

Important Note:

As and when any updates to the fees & charges are introduced by the Lenders, the borrower shall be intimated about such changes by email or otherwise in the manner prescribed for
the same from time to time by Lenders. The borrower shall at all times ensure that his/her latest mobile number and email ID is updated with the Lenders. The Lenders shall rely upon the
mobile number and email ID provided by the borrower, and shall not be obliged to verify or make further inquiry into the validity of the mobile number and email ID provided by the
borrower. The borrower shall in no circumstance dispute such reliance by the Lenders.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570
 Annex B
Illustration for computation of APR for Retail and MSME loans
Sr. No. Parameter Details

1 Sanctioned Loan amount (in Rupees) (SL no. 1 of the KFS) 20000

2 Loan Term (in years/ months/ days) (SI No.7 of the KFS template – Part 1 ) 3 Months

a) No. of instalments for payment of principal, in case of non-equated periodic loans -

Monthly
Type of EPI Amount of each EPI (in Rupees) and nos. of EPIs
3
(e.g., no. of EMIs in case of monthly instalments)
b) 7173
(SI No.5 of the KFS template – Part 1)

c) No. of instalments for payment of capitalised interest, if any -

d) Commencement of repayments, post sanction (SI No. 8(d) of the KFS template – Part 1) 2024-12-06

3 Interest rate type (fixed or floating or hybrid) (SI No. 6 of the KFS template – Part 1) Fixed

4 Rate of Interest (SI No.6 of the KFS template – Part 1) 45%

5 Total Interest Amount to be charged during the entire tenor of the loan as per the rate prevailing on sanction date (in Rupees) 1523

6 Fee/Charges payable (in Rupees) 1416

A Payable to the RE (SI No.8A of the KFS template – Part 1) 1416

B Payable to third-party routed through RE (SI No.8B of the KFS template – Part 1) -

7 Net disbursed amount (1-6) (in Rupees) 18584

8 Total amount to be paid by the borrower (sum of 1 and 5 ) (in Rupees) 21523

9 Annual Percentage rate- Effective annualized interest rate (in percentage) (SI No.9 of the KFS template – Part1) 92%

10 Schedule of disbursement as per terms and conditions -

11 Due date of payment of instalment and interest 2024-12-06 6 of every month

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited [email protected] https://sicrevacapital.com (022) 6282 0570