Sample File

Sample File for a Category A Borrower

Documents Provided:

 Application Form- to be filled and attached
 Applicant’s Photograph
 Guarantor’s Photograph
 Commercial Driving License
 Applicant’s Residence Ownership Proof- Property Tax Bill
 Guarantor’s Residence Ownership Proof- Water Bill
 Applicant’s ID Proof- Voter ID
 Guarantor’s ID Proof- PAN Card
 Dealer Proforma Invoice
 Shop & Establishment License
 IT Return
 Latest Bank Statement
 One SPDC for every 6 months
 Loan Agreement
 NACH Form
 Margin Money Receipt
 Vehicle Insurance Copy
 Dealer Invoice Copy
 CNG Invoice
 GPS Invoice
 Mobile Phone Invoice
 Recommendation Letter by UBER
 Police Verification Initiation Letter from UBER
 UBER Background Check Report
 Platform Terms
 Declaration of Good Health
 Payment Transfer Authorization Undertaking

Borrower and Guarantor photograph

36 digit
alphanumeric Driver
UBER ID to be filled
in here

Complete
application form
to be filled

Residence

ownership field

should be

correctly filled

as it defines the

borrower’s

eligibility

Vehicle
scheme
details to be
filled in here

Bank details
should be
same as
registered
with UBER

Application
form to be
signed by the
guarantor/
borrower

License should be for commercial driving purpose

Name to tally with
primary applicant’s
name in the
application form

License should not be
expired

Applicant’s/Guarantor’s Residence Ownership Proof-
Property Tax Bill

Should be in the name
of the
borrower/parents/
spouse

The address should
match with the
applicant’s/ guarantor’s
present/permanent
address in the
application form

Guarantor’s Valid ID Proof- PAN Card (Applicable only in case of guarantor on file)

The name should tally
with Guarantor’s
name in the
application form

Dealer Proforma Invoice

Invoice should be in the
name of the borrower
Proforma invoice
should only be for
Indica or Indigo

Dealer’s Proforma
Invoice to contain on-
road cost of the vehicle

Shop & Establishment License

IT Return

Latest Bank Statement
NAME- Mr. Chandra Kumar

Should be in the
name of the
borrower and the
account is same as
registered with
UBER

One SPDC for every 6 months

Should be for ‘Not
Over EMI * Tenure’

Loan Agreement Page 1

LOAN CUM HYPOTHECATION CUM GUARANTEE AGREEMENT
THIS AGREEMENT (“Loan Agreement” or this “Agreement”) is made as of the
Effective Date (defined hereinafter) and at the place and date (“Execution Date”) as
mentioned in Serial number 9 of Annexure 1 of this Loan Agreement.

BETWEEN:
Tata Capital Financial Services Limited, a company incorporated under the
provisions of the Companies Act, 1956 having its Registered Office at One Forbes, Dr.
V.B. Gandhi Marg, Fort, Mumbai 400001 (hereinafter referred to as ‘the Lender’ which
expression shall, unless repugnant to the context or meaning thereof, be deemed to
mean and include its successors and assigns) of the FIRST PART;

AND
The ‘Borrower’, the details whereof are given at Serial No.1 of Annexure 1 of this Loan
Agreement of the SECOND PART;
The expression Borrower shall, unless repugnant to the context or meaning thereof, be
deemed to mean and include:

(i) in case the Borrower is a sole proprietorship, the sole proprietor and his/her
heirs, administrators and executors and legal representatives;

(ii) in case the Borrower is an individual, his/her respective heirs, administrators and
executors;

AND
The ‘Guarantor’, the details whereof are given at Serial No.2 of Annexure 1 of this

Loan Agreement of the THIRD PART.

The expression Guarantor shall, unless repugnant to the context or meaning thereof, be
deemed to mean and include:

(i) In case the Guarantor is a company incorporated under the Companies Act, 1956, its
successors and permitted assigns,

(ii)In case the Guarantor is a partnership firm formed under the Indian Partnership Act,
1932, the partners for the time being and the legal heirs, executors and
administrators of the last such surviving partner;

(Iii) in case the Guarantor is a sole proprietorship, the sole proprietor and his/ her
heirs, administrators and executors and legal representatives;

(iv) in case the Guarantor is a joint Hindu Undivided Family, the Karta and any or
each of the adult members of the HUF and their survivor(s) and his / her / their
respective heirs, legal representatives, executors, administrators and permitted
assigns;

(v)in case the Guarantor is the Governing Body of a Society, respective successors of
the members of the Governing Body and any new members elected, appointed or co-
opted;

(vi) in case the Guarantor is a Trust, the Trustee or Trustees for the time being
hereof and their successors and assigns;

(vii) In case the Guarantor is an individual, his/her respective heirs, administrators
and executors;

(The Borrower and the Guarantor are collectively referred to as the”Obligors”).

Loan Agreement Last Page

MISCELLANEOUS TERMS

28.1 To the extent such changes are expressly permitted otherwise by this
Agreement, the Lender shall, from time to time, intimate the Borrower regarding any
changes in the interest rates, prepayment charges, cancellation charges or other
charges payable by the Borrower under this Agreement and the Borrower shall
comply with the same.

28.2 All Annexure to this Loan Agreement shall form and deemed to be integral part of
this Loan Agreement.

28.3 The Borrower expressly agrees that any Marketing Service Provider/ Dealer of
the Assets, by or through whom this transaction may have been introduced,
negotiated or conducted shall not be deemed to be an agent of the Lender and that
the Lender shall not be liable for any representations or statements made by such
Service Provider/ Dealer to the Borrower.

28.4 The contents of this Loan Agreement were read out. explained and interpreted to
the Obligors in their respective vernacular language and thereafter the Annexure to
this Loan Agreement were duly filled in and understood by the Obligors and
thereafter the signatures of the Obligors were taken on this Loan Agreement.

28.5 The Obligors expressly authorises/consents the Lender, its various service
providers for marketing, collections and recovery to contact the Obligors
telephonically even if the name of the Obligors appears in the Do Not CalI Register to
inform the Obligors about the marketing schemes, dues under this Agreement. The
Obligors also expressly declare that such telephonic call from the leader’s tele-
callers service provider will not cause any inconvenience to them and/or their family
members. .

28.6 The Obligors expressly and irrevocably consents that for any claim against the
service providers, the Lender shall not be liable and the claim of the Obligors on this
account shall be against the service providers.

29. This Agreement, though executed on the Execution Date shall be deemed to be
effective from the Effective Date.

IN WITNESS WHEREOF THE PARTIES HERETO HAVE SET THEIR HANDS ON
THE DATE FIRST HEREINABOVE WRITTEN

Signed and delivered by the within named For TATA CAPITAL FINANCIAL
Lender SERVICES LIMITED
)
Authorised Signatory / ies
TATA CAPITAL FINANCIAL SERVICES
LIMITED
)

by the hands of its Authorized

)
Signatory/ Constituted

Attorney Mr.
___________________________________
__________________________)

Signed and delivered by BORROWER SIGNATURE

)

the within named BORROWER through the

hands of )

its Authorised Signatory/s
Mr.________________________________
________________)

and Mr.
___________________________________
______________________________)

Signed and delivered by GUARANTOR/S SIGNATURE
)
the within named GUARANTOR/S through
the hands of
)

its Authorised Signatory/s Mr.
___________________________________
_____________)

and Mr.
___________________________________
______________________________)

ANNEXURE 1 to loan agreement

1) Details of the a) Name
Borrower

Permanent Address

2) Details of the a) Name Read, Understood and agreed to each and every item as appearing in all the rows

Guarantor / s: Constitution

Address Guarantor / s

b) Name
Constitution
Address

3) Details of the a) Finance required for
Assets: purchase of:

b) Manufacturer / Model

c) Serial No. and

d) Year of manufacture:

e) Hour Meter Reading

h)Expected date of
delivery:

i) Commercial purpose for _____________________________
which Assets will be used
For providing transportation services
j) using the UBER Platform Borrower / s

Type Name of Cost

Seller

On Road Cost of Car
(Including Extended
Warranty and insurance
if any)

Accessories

GPS

CNG

Cell Phone

Total Cost

4) Details of a) Amount of loan: Rs. _____________________________
Loan:
____% per annum (computed on monthly
rest basis on Internal Rate of return )

b) Rate of Interest :

c)

5) Insurance (in Will be paid by the Total Rs. ____, Out of which Rs. ______

case procured Borrower in case of For 2nd year

directly by insurance provision case: Rs. _____, For 3rd year
Borrower):

6) Repayment a) Interval between Not less than 49 days plus one
Schedule: installment period for Kolkata and 28 days
Effective date and first plus one installment period for any other
location To be communicated in the
Installment due date Intimation Letter

b) Instalment due date _____ monthly Instalments of Rs. _____,
each

Bank Name:

c) Loan payable in : Account Title : Tata Capital Financial
Services Limited

Account No.

d) Monthly Installment IFSC Code:
Bank Name:
payable (including Account Title :

insurance in case of

Insurance provision):

Account No.

IFSC Code:
e) Bank Account details of

the Lender:

f) Bank Account details of
the Borrower

7) Down Payment a) Amount Rs.
taken by the
Lender :

8) Charges: a) Non-refundable Rs._______
amount – Processing
Charges: Rs. 450 /- per dishonour per
cheque/mandate
b) Dishonour charges :

@ 5% of principal outstanding Loan or
Rs. 5000/- whichever is higher

c) Prepayment penalty:

Rs.5,000/-

d) Cancellation charges: As per actual incurred by the Lender

e) Repossession / storage Actual charges incurred by the lender
/ Auction/legal charges including stamp duty of Rs.___________
:

f) Other charges incurred

by the Lender: @ 2% per month for actual period of

delay on overdue amount

g) Delayed payment As applicable to be collected from the
charges: applicant

h) Service charges: Rs.500/-
Rs.550/-

i) Cheque Swap charges Rs.1100/-
j) NOC issuance charges

k) Interstate Transfer Rs.550/- per document
NOC issuance charges

l) Charges for Reports,

Statement of accounts,

other similar

documents

9) Execution
Date:

Place of

execution:

Effective Date
of the
Agreement:





ECS / Direct Debit (AD) & NACH mandate filling instructions

Date : To be filled with the date , when the TCFSL : First EMI date as per Account holder/customer should be intimated to sign the mandates To be filled with TCFSL Branch Name &
mandate was filled Repayment Schedule. as per the his/ her bank records. Branch Code
TCHFL : First Pre-EMI OR EMI date as To be filled with Contrat OR Loan Number
ECS User No : As per the list available with per Repayment Schedule Joint Account: Fresh : If it is new disbursement.
branch. * Operated by both : Signature of both account holders is required Swap : If customer has requested for chane in
To : Do not fill any date in this on mandate. banking details OR change in bank.
Customer Name should be captured as per column * Either OR Survivor : Signature of any one account holder is enough.
application form. Customer's bank & branch name along with
address as per cancelled cheque OR bank
Bank account holder name should be captured statememt
as per bank records i.e Pass Book, Bank
Statement OR Cancelled Cheque. 9 digit MICR code to be captured as per
** Any mismatch in a/c holder name shall cancelled cheque
leads to technical bounce for reason " A/c
description does not tally OR No such a/c" Account type need to be arrived based two
digit code mention at the bottom of cancelled
Account number to be captured exaclty as per cheque.
bank records i.e Pass Book, Bank Statement Account Types :
OR Cancelled Cheque. 10 & 31 codes denotes "Saving account"
** Any mismatch in a/c number leads to 11 & 29 codes denotes "Current account"
technical bounce for reason "No Such A/c" 13 & 30 codes denotes "Cash Credit account"
11 digit IFSC code to be captured as per
TCSFL : Exact EMI to be captured as per cancelled cheque.
Repayment Schedule OR Amortization
Account holder/Customer should be intimated
TCHFL : EMI Amount with an upper limit to be to sign the mandates as per the his/ her bank
captured as per Repayment schedule OR records.
Amortization Joint Account:
** Amount in words & figures need to match. * Operated by both : Signature of both account
holders is required on mandate.
TCFSL : First EMI date as per Repayment * Either OR Survivor : Signature of any one
Schedule. account holder is enough.
TCHFL : First Pre-EMI OR EMI date as per
Repayment Schedule Date : To be filled with the date , when the
mandate was filled
Mandate is by default valid until cancelled. Do
not write End date on the mandate. Account type need to be arrived based two
digit code mention at the bottom of cancelled
Frequency to be captured as per Repayment cheque.
Schedule Account Types :
10 & 31 codes denotes "Saving account"
To be left blank 11 & 29 codes denotes "Current account"
13 & 30 codes denotes "Cash Credit account"
Default action is already selected 9 digit MICR code to be captured as per
cancelled cheque
Account number to be captured exaclty as per 11 digit IFSC code to be captured as per
bank records i.e Pass Book, Bank Statement cancelled cheque.
OR Cancelled Cheque. Default debit type is already selected
** Any mismatch in a/c number leads to Customer's contact number
technical bounce for reason "No Such A/c" Customer 's email ID

Bank name as per cancelled cheque Date : To be filled with the date , when the
mandate was filled
TCSFL : Exact EMI to be captured as per
Repayment Schedule OR Amortization Account holder/Customer should be intimated
to sign the mandates as per the his/ her bank
TCHFL : EMI Amount with an upper limit to be records.
captured as per Repayment schedule OR Joint Account:
Amortization * Operated by both : Signature of both account
** Amount in words & figures need to match. holders is required on mandate.
* Either OR Survivor : Signature of any one
Frequency to be captured as per Repayment account holder is enough.
Schedule

Contract number OR Loan number

Page No.2

Customer bank ' s name & branch name along
with address as per cancelled cheque OR bank
statememt

Margin Money Receipt

Down payment
receipt should be as
per the value in
scheme sheet

Vehicle Insurance Copy

Dealer Invoice

CNG Invoice

Mobile Phone Invoice

GPS Invoice

Recommendation Letter by UBER

Tata Capital Financial Services Limited

Re: Letter of Recommendation

Dear Sir/Ma’am,

We, Uber B.V., a company organized under the laws of The Netherlands (“Uber”), have shortlisted and selected __________________________________________
(the “Potential Borrower”) to attach his / her car with our system for providing transport services in [CITY]. The Potential Borrower as an independent contractor
has entered into a services agreement with Uber to provide transportation services (“Partner Terms”) prior to the date of this letter.

We understand that the Potential Borrower intends to apply for a loan from [Tata Capital Financial Services Limited / Tata Motors Finance Limited] (“Lender”) for
purchasing a Tata Indica or Tata Indigo vehicle (the “Vehicle”) from a vehicle dealer appointed by Tata Motors Limited (“TML”). The Vehicle is proposed to be used
by the Potential Borrower for providing transport services to its various passengers using the leads provided by Uber through its mobile technology platform (the
“Technology”) and the arrangement between Uber and the Potential Borrower for providing passenger leads using the Technology, in accordance with the terms
and conditions for the use of the Technology by the Potential Borrower as set out in the Partner Terms.

During the term of the Partner Terms, the Potential Borrower has the potential to generate a minimum revenue of (x) INR 10000 (Rupees Ten Thousand only) per
week (payable on a weekly basis) (in the case of UberGO) and (y) INR 12,000 (Rupees Twelve Thousand only) per week (payable on a weekly basis) (in the case of
UberX), in each case, by providing transport services to its passengers using the Vehicle and the Technology; provided, however, that the Potential Borrower is in
compliance with the Partner Terms and applicable law, and based on the following assumptions:

1. The Potential Borrower must have a minimum acceptance rate of 80% (i.e., to say out of every 100 (one hundred) passenger requests received by the
Potential Borrower through the Technology, the Potential Borrower accepts a minimum of eighty passenger requests).

2. The Potential Borrower must spend at least 84 hours in a week for providing transport services to its passengers, using the Vehicle and the Technology.

This letter is issued to Lender for the purpose of assisting the Potential Borrower in obtaining a loan for the Vehicle from the Lender. The Lender may or may not
approve the loan at its sole discretion.

The Potential Borrower has provided us written consent in the Partner Terms to share this information and their documents with the Lender, which we will do.

In order to be eligible for a loan from Lender, the Potential Borrower must also provide certain additional information to the Lender, which information a subsidiary
of Uber shall coordinate and obtain for the Lender. Uber confirms that it shall cause the Potential Borrower to initiate his / her own police verification process from
the relevant police station in the city in which the Lender will disburse the loan to the Potential Borrower (if, and to the extent, such a police verification process is
mandatory in such city).

Please note that:

1. Uber B.V., its holding/subsidiary companies and its affiliates across the world are not engaged in the business of providing trans port services. Uber B.V.
is only a service provider of Technology that is used by various transport service providers for providing transport services to their passengers.

2. As per the Partner Terms, the relationship between Uber B.V. and the Potential Borrower is that of an independent contractor and is on a principal-to-
principal basis. The Potential Borrower is neither an employee nor an agent of Uber B.V.

In the event of any conflict between the terms of this letter and the provisions of the agreements executed between Uber and the Lender, the terms of the relevant
agreement shall prevail.

Yours faithfully

Uber B.V.

Police Verification Initiation Letter from UBER

UBER Background Check Report

Platform Terms

Declaration of Good Heath

PAYMENT TRANSFER AUTHORIZATION UNDERTAKING

By signing this Payment Transfer Authorization Undertaking (this “Undertaking”),
_____________________________________________ (referred to herein as the “Owner,” “I,” “me” or “my”) I acknowledge
and agree as follows:

(1) I am an independent contractor and provide transportation services under a services agreement (“Operator
Agreement”) I have entered into with Uber B.V., a company organized and existing under the laws of the
Netherlands (“Uber”). I continue to be bound by the Operator Agreement.

(2) I am voluntarily entering into a loan agreement (a “Loan Agreement”) with [Tata Capital Financial
Services Limited (registered office at [●]) / Tata Motor Finance Limited (registered office at [●])]1
(referred to herein as the “Finance Company” or “you”) to finance the purchase of a motor vehicle from a
vehicle dealer appointed by Tata Motors Limited (registered office at Bombay House, 24, Homy Mody
Street, Fort, Mumbai 400 001) (the “Dealer”) which is an approved vehicle for use in my business under
the Operator Agreement (the “Vehicle”).

(3) I understand that the Finance Company and Uber are separate and independent entities and are not related
or affiliated with each other.

(4) I was free to choose any vehicle dealership and any financing sources available to me in order to finance
the purchase of the Vehicle, and I had no obligation to either purchase the Vehicle from the Dealer or to
enter into the Loan Agreement with the Finance Company.

(5) Uber India Systems Private Limited, a company organized and existing under the laws of India (“Uber
India”), in its capacity as a payment and collection agent of Uber, is authorized by Uber to accept
instructions in writing from the Finance Company and to make payments to the Finance Company on
behalf of me (further to the Operator Agreement), the Owner of the Vehicle, pursuant to the Finance
Company’s instructions.

(6) Pursuant to and in connection with the Operator Agreement and any connected agreements entered into
between me and Uber and Uber India, I irrevocably and unconditionally instruct and authorize you to
convey my consent to Uber and Uber India to deduct, solely from and to the extent of Driver Funds (as
defined below) payable to me pursuant to the terms of my Operator Agreement and to transfer to the
Finance Company on my behalf from time to time (each, a “Transfer”) any amounts due under the Loan
Agreement, as instructed by the Finance Company. “Driver Funds” means amounts received by Uber
India, in its capacity as a payment and collection agent of Uber, in respect of my Fare (as defined in the
Operator Agreement as at the date of this Undertaking), after deduction of the Service Fee (as defined in
the Operator Agreement as at the date of this Undertaking) owed to Uber, both as provided in the Operator
Agreement, as in effect from time to time. I confirm that the instructions and authorizations as contained in
paragraphs 6, 8, 9, 10 and 11 (all together, the “Instruction”) are irrevocable and coupled with an interest.
I undertake to not terminate, dispute or amend the Instruction or provide any instructions directly
to Uber or Uber India which contradict the Instruction or dispute the validity of the Instruction with
Uber or Uber India. I irrevocably and unconditionally instruct and authorize you to inform Uber
and Uber India that if I provide any instructions which contradict the Instruction then Uber and
Uber India shall be entitled to not act upon the same without your prior written consent.

(7) I understand that the terms of the Loan Agreement or other agreement between me and the Finance
Company do prohibit revocation or cancellation of the Instruction. After this date, I may terminate the
Instruction only with the prior written consent of the Finance Company, which consent may be withheld or
conditioned at the sole discretion of the Finance Company. I understand that the terms of the Loan
Agreement or other agreement between me and the Finance Company provide that if I terminate or
amend the Instruction or for any reason, any of the terms of the Instructions become unenforceable,
the Finance Company may increase the interest on my loan under the Loan Agreement by three
hundred (300) basis points per annum for the remaining duration of such loan and I consent to such
increase in interest.

(8) I expressly elect a Transfer whereby my weekly payments under the Loan Agreement (even if pursuant to
the Loan Agreement I have agreed to a different Installment Period (as defined in the Loan Agreement)
with the Finance Agreement) will be deducted from my Driver Funds each week during the term of the
Loan Agreement. If insufficient Driver Funds are available for a given week’s Transfer by Uber India to
the Finance Company pursuant to this Undertaking, the outstanding undeducted amount of the weekly
Transfer (“past due amount”) will be carried over and added onto the next week’s Transfer, and pursuant
to and in connection with the Operator Agreement and any connected agreements entered into between me

and Uber and Uber India I hereby irrevocably and unconditionally instruct and authorize you to convey my
consent to Uber and Uber India to deduct, solely from and to the extent of Driver Funds payable to me
pursuant to the terms of the Operator Agreement, and Transfer to the Finance Company, such past due
amount, together with the weekly payment Transfer for such week.

(9) If insufficient Driver Funds are available to make any Transfer payment under the Loan Agreement, I
remain obligated to make timely payments under my Loan Agreement with the Finance Company. I
understand that this authorization in no way alters or lessens my continuing obligations under the Loan
Agreement.

(10) I understand Uber and Uber India are entitled to conclusively rely, without investigation, on any
instructions received from the Finance Company for purposes of making any Transfer of Driver Funds to
the Finance Company (it being understood and agreed that the amount of any such Transfer shall be based
solely on such instructions from the Finance Company). Pursuant to and in connection with the Operator
Agreement and any connected agreements entered into between me and Uber and Uber India I hereby
irrevocably and unconditionally instruct and authorize you to convey my consent to Uber and Uber India to
deposit any part of the Driver Funds payable to me pursuant to the terms of the Operator Agreement only
in my designated bank account identified and agreed under the Loan Agreement and no other account.

(11) Finance Company, Uber and Uber India are authorized to share with each other any information in their
possession requested by the other party regarding me or the Loan Agreement, including information with
respect to my interest rate, payment history and loan balance. The Finance Company, Uber and Uber India
may use this information for any purpose.

(12) I certify that I have not authorized any other deductions or any other transfer instructions to be made from
Driver Funds2, other than what is stipulated in this Undertaking and the Platform commission payable to

United.

(13) In relation to this Undertaking, neither Uber nor Uber India is acting as a fiduciary for me and no implied
duties or obligations shall be read into this Undertaking against Uber or Uber India. Neither Uber India nor
Uber shall be liable or accountable to Owner hereunder except for its own gross negligence or willful
misconduct.

(14) All covenants contained herein shall be binding upon me. The right and benefits of this Undertaking shall
inure to the benefit of, Uber, Uber India, the Finance Company and their respective successors and assigns.

(15) I certify that by executing this Undertaking I have understood the contents of this Undertaking and the
same have also been read over to me and explained to me. I have made necessary enquiries to my
satisfaction and am signing this Undertaking on my own volition after understanding all the relevant terms.

(16) I UNDERSTAND THAT THIS UNDERTAKING IS AN INTEGRAL CONDITION TO THE
FINANCE COMPANY ENTERING INTO THE LOAN AGREEMENT WITH ME.

________________________________ _________________

Independent Operator/ Borrower Date

Address: ______________________________

______________________________