business kit print - V.4-23 july 18.2

POWER OF ATTORNEY

Purpose :
Power of Attorney gives the authority to another person to act on their
behalf for specified or legal, financial purpose.

“To be franked as per the State ”

The stamp duty in my state is....
THIS IRREVOCABLE POWER OF ATTORNEY (“Power of Attorney”) is
granted at the place and on the day provided in the Schedule
hereunder written,
Paragraph as per A to E and Sr. No. 1 to 17 has not been reproduced
here as there are no columns to be filled-up.
Page number 1, 2, 3, 4 and 5 of Power of Attorney needs all
applicants and co-applicants signature at the bottom of the page.
In witness whereof the Borrower has caused this Power of Attorney
to be executed on the day, month and year first hereinabove written
as hereinafter appearing.

VERSION - 4 101

POWER OF ATTORNEY

SCHEDULE

1 Date and Place Date: 24/12/2017
of Execution of Place: Goregaon (Mumbai)
the Power of
Attorney

2 Details of 1. Mr./Ms.Ranjeet Kapil Sharma, aged about
the 33 years, son/ daughter/ wife of kapil Sharma
Borrower resident of 204-A Sai Sharnam Society, Near
J.B Nagar, Andheri (W), Mumbai 400706
2. Mr./Ms/ Sheetal Ranjeet Sharma aged
about 30 years, son/ daughter/ wife of
Ranjeet kapil Sharma resident of 204-A Sai
Sharnam Society, Near J.B Nagar, Andheri
(W), Mumbai 400706

(The third paragraph below needs to be filled-
up in case of second co-applicant.)
Mr./Ms/______________________________
_____________, aged about________ years,
son/ daughter/ wife of__________
resident of
OR
(The third para below needs to be filled-up in
case of closely held public limited company.
The below column has been filled-up more as
an illustration.)
Motta Engineering Pvt. Ltd., a company
incorporated under the Companies Act,
1956/2013, having its registered office at
17-AF, New Umpire, Gandhi nagar, Andheri
West, Mumbai 400062 acting through its
authorized director, Mr./Ms. Arvind Motta.

VERSION - 4 102

POWER OF ATTORNEY

SCHEDULE
OR
(The below paragraph needs to be filled-up in
case of LLP firm. The below column has been
filled-up more as an illustration.)
M/s S&S enterprises LLP, a limited liability
partnership registered under the Limited
liability Partnership Act, 2008 having its office
at 11-A Royal commercial Plaza, Ram Maruti
Road_Thane (W), 400620 acting through
its designated partner Mr./Ms Sameer R.
Chaudhari.
OR
(The below paragraph needs to be filled-up
in case of Partnership firm. The below col-
umn has been filled-up more as an illustra-
tion.)

M/s S&S enterprises a partnership firm regis-
tered under the Indian Partnership Act, 1932
having its office at 11-A Royal commercial
Plaza, Ram Maruti Road, Thane (W), 400620
acting through it’s authorized partner, Mr./Ms.
Sameer R. Chaudhari and Mr./Ms. Sachin S.
Darekar.

VERSION - 4 OR (The below paragraph needs to be filled-
up in case of HUF. The below column has
been filled-up more as an illustration.)
M/s Rajguru and sons, a Hindu Undivided
Family having its address at 55-F, Harekrishna
Park, Nehru Nagar, Madad E, Mumbai 400045
acting through its Karta Mr./Ms. Rajguru
Singh.

103

POWER OF ATTORNEY

SCHEDULE

OR (The below paragraph needs to be filled-up
in case of Proprietorship firm. The below col-
umn has been filled-up more as an illustration.)

M/s Maitri Consultancy, a proprietorship firm
having its address at 04/G, GreenWell Pla-
za, L.B.S Road, Mulund West, 400602 acting
through its proprietor Mr./Ms.Shilpa Shinde.

3 Loan Amount 15,27,000

4 Details of Loan Execution date of Agreement : 27/12/2017
Agreement
Place : Mumbai

5 Description Property No./Flat No./Unit No./Plot No : 901;
of Property Floor No: 9th Municipal No./CTS no./Survey
no. CTS/458, Part-1, CTS/459 Area adm.870
sq. ft/sq. mtrs, carpet/built up Building name
Aditya Apartments; Situated at Waghbil Naka,
G.B. Road, Village-Waghbil, Taluka-Thane,
District - Thane Pin Code - 400615

Landmark High Street Mall (It is the place that
someone can easily locate the complex. It can
be well know complex, school, restaurant, tow-
er, club, mall etc..)

SIGNED AND DELIVERED by the within named Borrower

1 Goregaon (Mumbai) RSharma
2 Goregaon (Mumbai) SSharma

VERSION - 4 104

POWER OF ATTORNEY

Below is for LLP,Private Limited, Public Limited as the case may be
SIGNED AND DELIVERED by the within named Borrower Motta Enginee
ring Pvt. Ltd through its authorized director Mr./ Mrs/Ms. Arvind Motta

Seal of the company to be affixed in For Mo a Engineering Pvt. Ltd.
The presence of Mr. Arvind Motta Director
As per the provisions of Memorandum
& Articles of Association of the Company For S & S Enterprises
Partner
Below is for Partnership firm
SIGNED AND DELIVERED by the within
named Borrower S & S Enterprises
through its authorized Partner
Mr./ Mrs/ Ms. Sameer Chaudhari

Below is for HUF For Rajguru & Sons
SIGNED AND DELIVERED by the within Karta
named Borrower Rajguru and sons
through its Karta Mr./ Mrs/
Ms. Rajguru Singh

Below is for Proprietor firm For Maitri Consultancy
SIGNED AND DELIVERED by the within Proprietor
named Borrower Maitri Consultancy
through its proprietor 105
Mrs.Shilpa Shinde

VERSION - 4

POWER OF ATTORNEY

(Name of authorized official of PCHFL should be written below)

SIGNED AND DELIVERED by the For Piramal Housing Finance Limited
within named Piramal Capital & Housing Authorized Signatory
Fianance Limited, in its capacity as the
Lender, by the hands of Pravin Sethe, its
authorized official.

Note: Stamp paper should be purchased in the borrowers name and
the purpose should be clearly mentioned. (Stamp duty rates will be dif-
ferent for different states.)
*Important: Please note that the date of notary and date of execution
of POA should be the same.

VERSION - 4 106

DECLARATION

Purpose :
Declaration is document in which borrower records specific points regarding
the property being financed.

“To be franked as per the State ”

The stamp duty in my state is....
THIS DECLARATION is executed on the day and at the place specified in
Schedule hereunder written,

Paragraph as per Sr. No. 1 to 20 has not been reproduced here
as there are no columns to be filled-up.

Page number 1, 2 and 3 of declaration needs all applicants and
co-applicants signature at the bottom of the page.

Sr. No. Particulars Schedule
Details
1 Place & Date Date: 28-12-2017
of the execu- Place : Mumbai
tion of this
Declaration

VERSION - 4 107

DECLARATION

Sr. No. Particulars Details
1. Mr./Ms/ Ranjeet Kapil Sharma, aged about 33
years, son/ daughter/ wife of Kapil Sharma resi-
dent of 204-A Sai Sharnam Society, Near J.B. Nagar,
Andheri (W), Mumbai : 400706

2. Mr./Ms/ Sheetal Ranjeet Sharma, aged about 30
years, son/ daughter/ wife of Ranjeet Kapil Sharma
resident of 204-A Sai Sharnam Society, Near J.B.
Nagar, Andheri (W), Mumbai : 400706

(Keep appropriate abbreviation (Mr./Ms) as the
case may be and strike out the rest)
(The third paragraph below needs to be filled-up in
case of second co-applicant.)
Mr./Ms/____________________________________
________, aged about________ years, son/ daugh-
ter/ wife of______ _ resident of____________
________________________

OR (The third para below needs to be filled-up in
case of closely held public limited company. The
below column has been filled-up more as an
illustration.)
Motta Engineering Pvt. Ltd., a company incorpo-
rated under the Companies Act, 1956/2013, having
its registered office at 17-AF, New Umpire, Gand-
hi nagar, Andheri West, Mumbai 400062 acting
through its authorized director, Mr./Ms/ Arvind
Motta.
M/s S&S enterprises LLP, a limited liability partner-
ship registered under the Limited liability Part-
nership Act, 2008 having its office at 11-A Royal
commercial Plaza, Ram Maruti Road Thane (W),
400620 acting through its designated partner Mr./
Ms Sameer R. Chaudhari

VERSION - 4 108

DECLARATION

Sr. No. Particulars Details
OR
(The below paragraph needs to be filled-up in
case of Partnership firm. The below column has
been filled-up more as an illustration.)

M/s S&S enterprises a partnership firm registered
under the Indian Partnership Act, 1932 having its
office at 11-A Royal commercial Plaza, Ram Maru-
ti Road_Thane (W), 400620 acting through it’s
partner, Mr./Ms. Sameer R. Chaudhari and Mr./Ms
Sachin S. Darekar.

OR
(The below paragraph needs to be filled-up in case of
HUF. The below column has been filled-up more as
an illustration.)
M/s Rajguru and sons, a Hindu Undivided Family
having its address at 55-F, Harekrishna Park, Nehru
Nagar, Madad E, Mumbai 400045 acting through
its Karta Mr./Ms. Rajguru Singh.
OR
(The below paragraph needs to be filled-up in case
of Proprietorship firm. The below column has
been filled-up more as an illustration.)

M/s Maitri Consultancy, a proprietorship firm
having its address at 04/G, GreenWell Plaza, L.B.S
Road, Mulund West, 400602
acting through its proprietor Mr./Ms. Shilpa
Shinde.
(In case the above columns are not applicable the
same can be strikeout.)

VERSION - 4 109

DECLARATION

Sr. No. Particulars Details
3 Details of
Loan Date: 28-12-2017
Agreement Place : Mumbai

4 Laon 15,27,000
Amount

5 Descrip- Property No./Flat No./Unit No./Plot No. 901, Floor
tion of the no. 9th Municipal No./CTS no./Survey no. CTS/458,
Property Part-1, CTS/459 Area adm. 870 sq. ft/sq. mtrs,
carpet/built up; Building name Aditya Apartments
Situated at Waghbil Naka, G.B. Road,

Village-Waghbil, Taluka-Thane, District- Thane, Pin
Code 400615 Landmark High Street mall (It is the
place that someone can easily locate the complex.
It can be well know complex, school, restaurant,
tower, club, mall etc..)

6 Details of 1. Original Agreement for Sale executed between
title deeds Ranjeet Sharma and Aditya Constructions on
deposited 25/11/2017
with the
Lender 2.Registration Receipt no.U41234 Dated 25/11/2017
for agreement of sale between Ranjeet Sharma and
Aditya Constructions

3. Original Share certificate no. 45 of Aditya
Co-operative Housing Society

4. NOC to Mortgage from Aditya Co-operative
Housing Society dated 18/12/2017

VERSION - 4 110

DECLARATION

IN WITNESS WHEREOF the Parties hereto have set their seals hereunder
at the place and on this day first mentioned herein above.

SOLEMNLY AFFIRMED AND DECLARED RSharma
by the within named Borrower
1. Ranjeet Kapil Sharma SSharma
2. Sheetal Ranjeet Sharma

SIGNED AND DELIVERED by the within For Mo a Engineering Pvt. Ltd.
named Borrower Motta Engineering Pvt. Director
Ltd. through its authorized director Mr./
Mrs/ Ms. Arvind Motta

SIGNED AND DELIVERED by the with- For S & S Enterprises
in named Borrower S & S Enterprises Partner
through its authorized Partner Mr./
Mrs/ Ms. Sameer Chaudhari

SIGNED AND DELIVERED by the with- For Rajguru & Sons
in named Borrower Rajguru and sons Karta
(HUF) through its Karta Mr./ Mrs/ Ms.
Rajguru Singh

VERSION - 4 111

DECLARATION Maitri Consultancy
prietor
SIGNED AND DELIVERED by the within
named Borrower Maitri Consultancy
through its the proprietor Ms. Shilpa
Shinde

VERSION - 4 112

List of require documents for Notice of Intimation

Notice of Intimation Form
Copy of Sanction Letter
Copy of Memorandum of Deposit of Title Deeds / MOE /
Mortgage Deed
Copy of e-SBTR / Challan / Franking Receipt of MOE (0.2 %
STAMP DUTY)
Copy of Index II
Pan card copy of Property Owner/s
Photo of Property Owner/s
Authority Letter
Copy of Bank authorized person photo ID
In case Index II is not available, than require below documents

Copy of Agreement for Sale (entire set)
Copy of Share Certificate
In case MHADA or CIDCO property
Copy of Allotment Letter
Copy of Possession Letter
Copy of Share Certificate

VERSION - 4 113

Notice of Intimation

Sub Registrar*: Submission No*: Date* :

(*To be filled by Sub Registrar)

Notice of Intimation regarding Mortgage by way of Deposit of Title Deed
I/We, the undersigned parties, is/are by this notice of intimation, giving
notice to the public at large that, the mortgagor herein had deposited
the title deeds of the property for the security of the loan given/agreed
to be given by the mortgagee herein.

1) Party Details :

a) Mortgagee

Name Piramal Capital & Housing Fianance Limited
Address Anupam Annapolis, 1st Floor, Jay Prakash
Nagar, Goregaon East, Mumbai,
Maharashtra 400063

TAN (For
Organizations)/
PAN (For
Individuals):

Phone/Mobile No. 1800 266 6444

Email-ID [email protected]

VERSION - 4 114

Notice of Intimation

b) Mortgagor(s) Details given below is just an Illustration. Please fill-up
the actual details of the borrower(s).

Name Ranjeet Kapil Sharma

Address Flat no 901, Aditya Apartments – Part 1, Waghbil
Naka, G.B. Road, Thane
West 400615

Mobile No. 9785031251
PAN ACPPS2172Z

Email-ID [email protected]

Name Sheetal Ranjeet Sharma
Flat no 901, Aditya Apartments – Part 1, Waghbil
Address Naka, G.B. Road, Thane

PAN West 400615
Mobile No. ACPPM9972Y
Email-ID 9874236411
[email protected]

2) Property Location(s) :

Dist: Thane Tal: Thane Village: Waghbil

3) Property Details (with Attribute No., Area, Unit): Flat no 901,
Aditya Apartments – Part 1, Waghbil Naka, G.B. Road, Thane West
400615 Situated on Plot no. CTS/458, Part-1, CTS/459, Village Waghbil,
Taluka - Thane, District- Thane. Carpet area of 870 sq.ft.

VERSION - 4 115

Notice of Intimation

4) List of Documents deposited with Banks:
1. OArdiigtiynaaCl AognrsetreumcteiontnsfoornSa2l5e/e1x1e/c2u0t1e7d between Ranjeet Sharma and

2. Registration Receipt no.U41234 Dated 25/11/2017 for agreement
of sale between Ranjeet Sharma and Aditya Constructions

3. OSoricgiientayl Share certificate no. 45 of Aditya Co-operative Housing

4.1N8O/1C2t/o2M01o7rtgage from Aditya Co-operative Housing Society dated
5) Loan Amount : 1527000

6) Rate of Interest : 9.00%
7) Date of Mortgage : 27/12/2017
8) Date of Notice: 02/01/2018

Name of Party Photo Party Thumb Signature (In case
Mortgagor (To be attested Impression of Institution,sign &
by Mortgagee) seal of institution)

Mortgagee Pravin For Piramal Housing Finance Limited
(Bank/NBFC) Authorized Signatory

Mortgagor RSharma
Mortgagor SSharma

VERSION - 4 116

Notice of Intimation

Payment Details:
Stamp Duty of Rs : 3054 has been paid vide ABC303.Dated: 30/12/17
If Stamp Duty is paid on another instrument, details of the instrument &
Stamp Duty:
Filing charges of Rs : .1000/- has been paid vide BCD6066, Dated: 30/12/17
Document handling charges of Rs : .300/- has been paid vide DCD4005
Dated: 30/12/17

Amitd Regn. No.
221056
App. by Govt.

India

Signature and Seal of Sub-Registrar

VERSION - 4 117

Letter of Authority

LETTER OF AUTHORITY

I/We, Ranjeet Kapil Sharma & Sheetal Ranjeet Sharma
hereby authorize Puneet Unjjainwala to appear before
the office of the Sub-Registrar of Assurances and to present and file the
Notice of Intimation along with copies Memorandum of Entry and other
documents in the office of the Sub-Registrar of Assurances on my /our
behalf, and to do such things and execute such documents as may be
required for filing the Notice of Intimation and to receive the receipt of
Notice of Intimation on my /our behalf.

Dated this 27th day of Dec 2017 RSharma
SSharma
Name Ranjeet Kapil Sharma
Sheetal Ranjeet Sharma Signature

VERSION - 4 118

MEMORANDUM OF DEPOSIT OF TITLE DEEDS

Purpose :
This document is given by the customer informing the list of original proper-
ty documents submitted to housing finance company to create a mortgage
on the property to raise a loan. The written document should be on a stamp
paper.

“To be franked as per the State ”

The stamp duty in my state is....

Paragraph as per Sr. No. 1 to 4 & ‘a’ to ‘f’ has not been reproduced
here as there are no columns to be filled-up.

SCHEDULE I

Sr. No. Particulars Details

Execution Date: 28-12-2017
1 Details of this
memorandum: Place : Mumbai

Office address Anupam Annapolis, 1st Floor, Jay Prakash
of the lender
2 where the title Nagar, Goregaon East, Mumbai, Maharashtra
deeds are
deposited 400063

VERSION - 4 119

MEMORANDUM OF DEPOSIT OF TITLE DEEDS

Sr. No. Particulars Details
3 Details of Loan Home Loan
Agreement:

4 Details of the Mr./Ms/Ranjeet Kapil Sharma, aged about
Borrower and 33 years, son/ daughter/ wife of Kapil
Authorized Sharma, resident of 204-A Sai Sharnam
Officer Society, Near J.B Nagar, Andheri W; and
(if applicable): Mr./Ms/ Sheetal Ranjeet Sharma_, aged
about 33 years, son/ daughter/
wife of Ranjeet Kapil Sharma, resident
of 204-A Sai Sharnam Society, Near J.B
Nagar, Andheri W ;and (Keep appropriate a b-
breviation (Mr./Ms) as the case may be
and strike out the rest)
(The third paragraph below needs to be
filled-up in case of second co-applicant.)

Mr./Ms/_____________, aged about________
years, son/ daughter/ wife of____________
________________________, resident of__
_______________________________.

OR (The third para below needs to be filled-up
in case of Pvt. Ltd., closely held public limited
company. The below column has been
filled-up more as an illustration.)

VERSION - 4 Motta Engineering Pvt. Ltd, a company
incorporated under the Companies Act,
1956/2013, having its registered office at
17-AF, New Umpire, Gandhi nagar, Andheri
West, Mumbai 400062 acting through its
authorized officer, Mr./Ms/Arvind Motta,

120

MEMORANDUM OF DEPOSIT OF TITLE DEEDS

Sr. No. Particulars Details
OR (The below paragraph needs to be filled-up
in case of LLP firm. The below column has been
filled-up more as an illustration.)

M/s S&S enterprises LLP, a limited liability
partnership registered under the Limited liability
Partnership Act, 2008 having its office at 11-A
Royal commercial Plaza, Ram Maruti Road
Thane (W), 400620 acting through its partner
Mr./Ms Sameer R. Chaudhari
OR (The below paragraph needs to be filled-up
in case of Partnership firm. The below column
has been filled-up more as an illustration.)

M/s S&S enterprises a partnership firm regis-
tered under the Indian Partnership Act, 1932
having its office at 11-A Royal commercial Plaza,
Ram Maruti Road Thane (W), 400620 acting
through it’s partner, Mr./Ms. Sameer R.
Chaudhari And Mr./Ms.Sachin S. Darekar.

VERSION - 4 OR (The below paragraph needs to be filled-
up in case of HUF. The below column has
been filled-up more as an illustration.)
M/s Rajguru and sons , a Hindu Undivided
Family having its address at 55-F, Harekrish-
na Park, Nehru Nagar, Madad E, Mumbai
400045 acting through its Karta Mr./Ms.
Rajguru Singh .

121

MEMORANDUM OF DEPOSIT OF TITLE DEEDS

Sr. No. Particulars Details
OR (The below paragraph needs to be
filled-up in case of Proprietorship firm. The
below column has been filled-up more as an
illustration.)

M/s Maitri Consultancy , a proprietorship
firm having its address at 04/G, GreenWell
Plaza, L.B.S Road, Mulund West, 400602
acting through its proprietor Mr./Ms. Shilpa
Shinde.

SCHEDULE II
DESCRIPTION OF PROPERTY
Property No./Flat No./Unit No./Plot No. 901 ; Floor No. 9th
Municipal No./CTS no./Survey no. CTS/458, Part-1, CTS/459 ;
Area adm. 870 sq. ft/sq. mtrs, carpet/built up; Building name Aditya
Apartments; Situated at Waghbil Naka, G.B. Road, Village-Waghbil,
Taluka-Thane, District- Thane ;
Pin Code : 400615

Landmark High Street mall (It is the place that someone can easily locate
the complex. It can be well know complex, school, restaurant, tower, club,
mall etc..)

SCHEDULE III
LIST OF DOCUMENTS OF TITLE, EVIDENCES, DEEDS AND WRITINGS
*We need to list down all the original documents pertaining to the property
being financed to be listed below. This information can be seen in the legal
report given by the advocate. For the purpose of illustration let us consider
first sale transaction with a developer.

VERSION - 4 122

MEMORANDUM OF DEPOSIT OF TITLE DEEDS

1. Original Agreement for Sale executed between Ranjeet Sharma
and Aditya Constructions on 25/11/2017

2. Registration Receipt no.U41234 Dated 25/11/2017 for agreem ent
of sale between Ranjeet Sharma and Aditya Constructions

3. Original Share certificate no. 45 of Aditya Co-operative Housing
Society

4. NOC to Mortgage from Aditya Co-operative Housing Society dated
18/12/2017

Note: In case of resale transaction all the original chain documents
should be listed down as per the Legal report

SIGNED AND DECLARED
By the within named Borrower
1. Ranjeet Kapil Sharma
2. Sheetal Ranjeet Sharma

Below is for LLP,Private Limited, Public Limited as the case may be

SIGNED AND DELIVERED by the within For Mo a Engineering Pvt. Ltd.
named Borrower Motta Engineering Pvt. Director
Ltd. through its authorized director Mr./
Mrs/ Ms. Arvind Motta

SIGNED AND DELIVERED by the with- For S & S Enterprises
in named Borrower S & S Enterprises Partner
through its authorized Partner Mr./ Mrs/
Ms. Sameer Chaudhari

VERSION - 4 123

MEMORANDUM OF DEPOSIT OF TITLE DEEDS

SIGNED AND DELIVERED by the within For Rajguru & Sons
named Borrower Rajguru and sons Karta
(HUF) through its Karta Mr./ Mrs/ Ms.
Rajguru Singh Maitri Consultancy
SIGNED AND DELIVERED by the within Proprietor
named Borrower Maitri Consultancy
through its the proprietor Ms. Shilpa
Shinde

VERSION - 4 124

Cheque Submission Form

To,
Piramal Capital & Housing Fianance Ltd.
Subject: - Submission of BPI/PEMII/EMI/Undated Installment/
Undated Principal Cheques.

Sr. Cheque Dated A/C Type Bank & Amount BPI/PEMII/
No Number (Savings/ Branch EMI/
Current) undated
Installment
/undated
Principal

From To From To Saving HDFC/ 8000 BPI
1 006245 04/12/17 J.B.Nagar

2 006246 006247 05/02/18 06/02/18 Saving HDFC/ 13,739 PEMI/ EMI
J.B.Nagar
3 006251 006253 NA NA Saving 41,217 Undated
HDFC/ Installment
J.B.Nagar
4 006257 NA NA Saving HDFC/ 15,27,000 Undated
J.B.Nagar Principal
HDFC/
5 006258 NA NA Saving J.B.Nagar Canceled
Cheque

Sr.No. Particular Sr.
No
1 Cheque of 3 EMI each
2 Cheque of full amount 3
3 Cheque of BPI 1
4 Cheque of PEMI / EMI 1
5 Canceled cheque 2
1

Thanking You Signature
Yours Faithfully
RSharma
Name
1. Ranjeet Kapil Sharma SSharma

2. Sheetal Ranjeet Sharma

VERSION - 4 125

NACH VERSION - 4 126

(UMRN should be blank)

UMRN Date 0 2 01 20 1 8

PHFLC0000060

CREATE authorize PIRAMAL HOUSING FINANCE LTD.
MODIFY 00 0 0 0 0 0 0 0 0 0 0 0 0 0 00 0 0 0 1 2 3 6 4 1 2 3 4 5
CANCEL
with Bank HDFC BANK IFSC H D F C 0 0 1 2 4 5 6 or MICR

THIRTEEN THOUSAND SEVEN HUNDDRED AND THIRTY NINE 13,739.00

FREQUENCY MthlyQ tly H-Yrly FixedA mount

Reference1 XYZ( LOAN ACCOUNT NUMBER) 022-25974298

Reference2 Goregaon Branch (PHFL Branch Name) EmailI D [email protected]
(Ph. no. & Email ID pertains to borrower)
PERIOD RSharma
* A/c holder name as per bank records
From 0 5 0 2 2 0 1 8 1. RANJEET SHARMA * In case of joint a/c signature of all a/c holders is mandatory
* Non-Individual Stamp as printed on cheque is mandatory
To x x x x x x x x
Or Un lC ancelled 2. 3.

* Installment start date as per repayment shedule

Note : The amount to be written in NACH Mandate Slip should be equal to two times of EMI

HDFC Life Group Credit Insurance

VERSION - 4 127

HDFC ERGO Long Term Fire Insurance Form

S.N Document Type Document Description Piramal Capital & Housing
Fianance Limited_HDFC_
Quote is valid till 30 days from quotation date LTF_15%_Jan 18
Quotation cum Proposal Form - Standard Fire & Special
Perils Policy

Name of the Client Ranjeet Kapil Sharma

Communication Address 204-A Sai Sharnam Society,
Near J.B. Nagar, Andheri-W,
Hypothecation Detail Mumbai : 400706
Name of the Underwriter PCHFL
Pre-Underwritten

Transaction Type New

Method of Long term policy Method A

Terrorism No
Earthquake Yes

TAC Code 1001

Type of City (Metro -Mumbai, Chennai, Kolkata, Delhi, B’lore) Metro
(Non Metro - Other than Metro Cities)

Rate Per SQFT 3250
Carpet Area in SQFT 788

Sum Insured - Building 25,61,000

Sum Insured - Contents (Max 40% of Bldg. SI) 25,61,000
Total Sum Insured 5
Policy Period in Years

Policy start date 27-Sep-17
Type of Property/ Occupancy Dwellings (Indi. Flats/Bung)

Premium details

Fire Premium 4,482

STFI Premium 960

EQ Premium 640

Net premium 6,082
1,095
GST @ 18% 7,177
Total Premium Payable

(Premium Including GST)

Proposer Signature

VERSION - 4 128

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
S.N. Document Name

Type Document Description

Check if developer name, project name & scheme name
(if applicable) are mentioned on docket cover.

1 Scheme PMAY is mentioned on docket cover, if applicable.
Details One Pager Scheme Approval should part of docket, if applicable.

Normal OCR Subvention Step up/ Any other
Deferment (Upfront/ Step Down Deviation
Monthly/Split) apart from
one pager

Self attested KYC documents of all the parties to the loan and the
details to be matched with application form, in case of pending
query or addition of co-applicant.

2 KYC Particulars Aadhaar Residence Signature PAN
Documents (Id Proof) Proof

Borrower
Co Borrower(s)

Guarantor(s)

Original OSV done on all KYC documents by employee (with stamp of name
Seen and and employee number) or agency (with stamp of name and agency
3 Verified code) by signing, in case of pending query or addition of co-applica

- nt.

4 Sanction Validity of Sanction letter should be within 90 days of disbursement
Letter date and Financial figures to be matched with approval mail.
(System sanction date need to be checked )

All sanction conditions mentioned in Credit appraisal memo (CAM)
are captured in sanction letter.

Check if scheme name is written on sanction letter - Normal,OCR
deferment, Interest Subvention Upfront, interest subvention
monthly , interest subvention split, principal moratorium, interest
moratorium, step up, step down

VERSION - 4 129

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
S.N. Document Name

Type Document Description

Accepted Sanction letter duly signed by all borrowers (any over-
writing should be countersigned by all the parties) and Credit
Manager.

In under construction cases: Property Insurance Premium Loan
amount should be part of total sanctioned loan amount and
should be included in the sanction letter.

Sanction All sanction conditions are complied as per Sanction Letter and
Conditions approval for any deviations.
5 Compliance

6 ARaptperoval Check whether rate of interest is as per rate matrix.

7 AMCrpeepmdriatoisal Duly approved CAM signed by the Credit Manager/ Credit
Committee.
Check if Processing Fee is collected, if not requisite deviation is
attached in the file.

8 Processing Processing Fee cheque is cleared and copy of instrument attached
Fee in the file. In case of disbursement with under clearing cheque,

approval from National Head-Credit is required.

Balance PF cheque photocopy to be inserted into the docket.

Original Field investigation report (FI), Residence Verification
reports should be signed by Credit Manager with rubber stamp
(valid for 90 days).

Verification CIBIL report should be within 60 days of disbursement date.
Reports
9 2 Original valuation report with photographs duly signed by Credit
Manager/ Technical Manager and Photocopy of Valuation Report
is available (valid for 90 days). One valuation is acceptable for prior
to 31st Jan logged in cases.
Lower of 2 valuation need to be considered.

Legal Report should be Positive

Original Title search report (TSR) of 13 years should be available
duly signed by Credit Manager/ Legal Manager.

VERSION - 4 130

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
S.N. Document Name

Type Document Description

Check if Title Search has asked for any NOC from Mortgagee.

CERSAI check report of the property being funded.

Lawyers vetting report for original title documents should be avail-
able and same should be positive with Lead id mentioned.

Property visit report by Credit for LAP, Resale and non APF cases.
Check if Docket is screened or sampled. In case of sampled, FCU
report is available in the file.
FCU check of NOC from Builder or Society

10 FCU Check FCU check of OCR clearance bank statement.

If the sampled report is positive, then go ahead with disbursement.
If sampled report is negative, then disbursement can be processed
with deviation approval of FCU Head.

FCU to be done, as per sanction condition.
Schedules are completely filled up and any correction is counter-
signed by all borrowers.
Terms of loan - Loan amount, ROI, PF, tenure, etc.; should match
with Sanction letter.

Customer Copy of MITC should be handed over to customer and
not available in agreement at the time of disbursement.

In case of Guarantor - Guarantee Agreement with application form
and KYC.
11 Loan
Agreement MOE/ MODT - duly stamped, as per respective state law. All par-
Kit ties name should be there on e-stamp.
Vernacular language undertaking, if borrower/ co-borrower is
signing in other than English language.

Notice of intimation of mortgage of property (Form 89B) available
and completed in documentation from Customer’s side (Applicable
to Maharashtra).
Check for all borrowers signature on the loan agreement kit and
sanction letter. Signatures to match with Application Form and KYC
documents.

VERSION - 4 131

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
S.N. Document Name

Type Document Description

Execution date to be on or after stamp/ franking date.

Notarization date should be same as execution date.

Executed Documents to be dated on or after sanction letter date. In
case of partnership firm/ company, execution date should be on or
after the partnership authority letter/ Board resolution date.

12 Stamp Stamp Duty/ Franking as per policy. All parties name should be
Duty/ there on e-stamp.
Franking

13 Loan Check Repayment schedule in the system to match IRR/ Rate.
Repayment
Check if last EMI is same or different. There should not be negative
amortization.
Schedule Pre EMI Interest due is created in system accurately.

Disbursal request form should be available and completely filled
up with date and signature of all the borrowers. Name, Account
no. of payee should be verified from printed Bank Statement/
Bank Pass Book/ Canceled Cheque.

14 Disbursal In case of deduction of interest subvention at NPV from disburse-
Request ment amount, information is mentioned in DRF.
Form For Under Construction Property, a separate DRF to be collected

for payment of Property Insurance Premium Loan, favoring Gen-
eral Insurance Company, during last tranche (payment date to be
left blank)

General Insurance is taken on Fully Constructed Property for full
tenure of loan - either funded by PCHFL or by borrowers.

15 General For Under Construction Property, Application Form to be collected
Insurance for Property Insurance, in case General Insurance Premium Loan
on Funded appears in Sanction Letter.
Property

In case Property Insurance is funded by customer for Under
Construction Property, Application Form and Undated Insurance
Premium Cheque is to be collected from customer.

VERSION - 4 132

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
Name
S.N. Document
Type Document Description

16 Disbursal Details of Disbursal Memo should match with Sanction Letter. Pay-
Memo ment details should match with DRF and Demand Letter (in case of
Builder Purchase)
Payment to be made to party which is in Loan structure. If not,
approval from ZCM or above is required.

Loan Pre-closure letter is valid for 3 months. After 3 months new
loan pre-closure letter is required.
In case of interest subvention on monthly basis, check if 3 original
NACH mandate forms and canceled cheque or PDCs for subvention
period of builder are available.

NACH/ PDCs to be from Salary A/c or main business a/c of appli-
cant or as per sanction conditions. Repayment from Post Office
Savings Account is not allowed.

3 original NACH mandate forms having 2 times of the EMI amount
mentioned.
NACH taken from list of approved NACH locations.

17 Repayment In case of Companies/ Partnership, NACH/ PDCs should have
Documents rubber stamp of authorized signatory with “For”. This authorized
- NACH/ signatory is to be same person as per Board resolution/Partnership
PDC authority letter
One canceled cheque unfilled and undated required for NACH
registration.

3 Undated and Unfilled Amount CTS Cheques with mention of
“Not exceeding Rs. <EMI AmountX3>” on cheque body. 1 Undated
and Unfilled Amount CTS Cheque with mention of “Not exceeding
Rs. <Full Loan Principal> “ on cheque body.

BPI/ PEMII/ EMI cycle date is 5th. EMI cycle date to be verified in
Loan Agreement schedule.
1 unfilled amount cheque for Broken Period Interest with mention
of “Not exceeding Rs. <EMI Amount>” on cheque body. 2 PEMII/
EMI cheques (unfilled for PEMII with mention of “Not exceeding
Rs. <EMI Amount>)

VERSION - 4 133

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
S.N. Document Name

Type Document Description

Bankers signature verification to be obtained for Repayment Ac-
count where PF cheque is not cleared.

Approval for PDCs as repayment mode from National Credit Head.
In case loan repayment is through PDCs, then collect 24 PDCs for
Pre EMII/ EMI

All the cheques to be duly filled and signed with the favoring of
Piramal Capital & Housing Fianance Ltd.

Details of all Cheques, including Canceled Cheque, to be men-
tioned in Cheque Submission Form (CSF)

In HL & HE cases, 2 NACH set and @ set of SPDCs and PDCs re-
quired one for HL & other for HL Top-up.

Title Documents received as per Legal Report.

18 Title Approval in place as per OTC documents/ PDD policy.

Documents Own Contribution Receipt (OCR) If OCR is less than standard norms
, refer special scheme to verify.

Numbering on documents as per legal report - In Pencil.

19 No No Objection Certificate from Builder or Society on letter head,
Objection duly signed by authorized signatory(ies), in the specified format of
Certificate PCHFL. If the NOC is not in the specified format, then approval of
to create Legal Head is required.
mortgage

LTV % of agreement value is as per credit policy

2nd Lead ID need to be generated only for difference between LTV
to documented value (DV) & LTV to Market Value (MV).

20 LTV LTV % of market value is as per credit policy.

Loan <=30 Loan >30 Lakh to <=75Lakh Loan >75 Lakh
90% 80% 75%

VERSION - 4 134

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
Name
S.N. Document
Type Document Description

Unique APF Number is mentioned in Credit Appraisal Memo and
Disbursement Memo.

Permission to Mortgage in specified format (Applicable for cases in
which Sale Deed is executed after possession of property).

Tripartite agreement to be signed by Borrowers, Lender and
Builder (Applicable for cases in which Sale Deed is executed after
possession of property).

21 In APF Scheme Note is available in the docket (OCR deferment, interest
Cases subvention upfront, interest subvention monthly, interest subven-
tion split, principal moratorium, interest moratorium).

Tripartite agreement in subvention scheme.

In case of deduction of interest subvention at NPV from disburse-
ment, calculation sheet is prepared by Credit Manager. Check the
subvention period with scheme note.

In case of receipt of interest subvention at NPV from builder, check
if funds are received in bank account.
Project Progress Report (Technical report) not older than 3
months.
Progress needs to be checked if disbursement amount is as per the
incremental construction progress %

The allowed deviation of additional construction % as per extant
policy. Any disbursement above the extant credit policy is to be
approved by concerned Authority.

22 In Resale Agreement to sell. Furniture and Fixtures Agreement/ Estimate by
Cases architect (if applicable).
Seller KYC documents, Bank Statement and canceled cheque.

Seller FI & Seller POA.

In case Seller is Company/ Partnership Firm/ LLP:
A. Original Board resolution/ Authority Letter in PCHFL format for

sale of property to borrower should be collected.

VERSION - 4 135

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
S.N. Document Name

Type Document Description

B. List of Directors/ Partners as on date.

C. ROC search report in case of company & LLP.

D. Common Seal required for company cases.
(AOA has common seal clause which states as to how the seal is
to be affixed, i.e., in the presence of whom the seal will be affixed,
either two directors and/ or CS and or any person authorized
under the BR).
In case of multiple co-owners (seller), Disbursement to be done as
per share in the property. Legal report should mention Name of
Seller and Share in property.

Credit Manager Visit report.

23 In BT/ BT Agreement Kit filled and signed by all parties.
Seller/
Internal List of Documents and Loan Pre-closure Letter of Financial Institu-
BT Cases tion.
Credit Manager Visit report.

BT Agreement Kit filled and signed by all parties.

24 In Seller/ List of Documents and Loan Pre-closure Letter of Financial Institu-
Internal tion.
BT Cases Seller FI, Seller CIBIL, FCU of seller bank statement, Seller Guaran-
tee, Seller POA.

Credit Manager Visit report.

25 Plot Undertaking to complete the construction within 36 months
Purchase
plus
Construction
Cases Approved Building Plans and Construction Estimate.

Escrow account opened with PCHFL Banking partner

26 LRD Consent letter from Lessee.
(Lease
Rental Deed of Hypothecation

Discounting) Power of Attorney.

Tripartite Agreement executed between Lessee, Lessor and PCHFL.

VERSION - 4 136

Disbursement Checklist(NDC)

Disbursement Non Discrepancy Checklist

Lead ID No. Customer
Name
S.N. Document
Type Document Description

Estimate from the Customer on Architect Letter Head vetted by
internal Technical Team
27 Self
Construction
/ Extension/ Latest Technical Report required Progress needs to be checked if
Renovation disbursement amount is as per incremental construction
progress %.

‘’Notice of Intimation’ to be mentioned as PDD (Applicable to
Maharashtra).

For Under Construction Property, ‘General Insurance Application
28 System entry Form’ shall be marked as Received and ‘General Insurance Premi-

um Loan Payment in last tranche’ to be mentioned as PDD.

In case of OCR deferment scheme, ‘OCR of XX% at the time of XX
disbursement tranche. Refer scheme note’ to be mentioned as
PDD.

‘’ROC charge creation report’ to be mentioned as PDD.
List of Directors, in case borrower/co-borrower is company (duly
certified by CA/ Company Secretary).

29 In Seller/ Board Resolution along with Common Seal, in case borrower/
Internal co-borrower is company.
BT Cases Partnership Authority Letter duly signed by all the partners, in case
borrower/co-borrower is partnership firm.
ROC search needs to be done wherever seller or borrower is a
company or LLP.
Duly signed Insurance Form (If Insurance cover is availed by the
customer) and Insurance Premium cheque, if paid by customer.

30 Plot
Purchase Affidavit cum Declaration is to be taken for every case booked
plus under PMAY scheme in specified format
Construction
Cases

VERSION - 4 137

DISBURSEMENT REQUEST FORM

To, Piramal Capital & Housing Fianance Limited
Name of the Applicant(s) : RANJEET KAPIL SHARMA & SHEETALRANJEET

SHARMA
Loan Account Number: 0123456123111 (State the account number as

per the sanction letter)
Intended Date for Disbursement (DD/MM/YYY): 20/12/2017
Total Amount to be disbursed (in figures) : Rs. 15,27,000
Amount to be disbursed (in words) : Rs. FIFTEEN LACS TWENTY SEVEN

THOUSAND ONLY

Details of Disbursement Mode

Cheque In favor of Payable Bank Bank Amt.
Sr. /DD/PO at A/C No (Rs.)
No. /RTGS

/NEFT

1 006244 Aditya Devel- Mum HDFC 00001236412345 15,00,000
opers (Name of
the developer
should come)

2 06245 HDFC Standard Mum HDFC 00001236412345 25,000
Life

3 06246 HDFC Ergo Mum HDFC 00001236412345 2,000

Total 15,27,000

We authorize Piramal Capital & Housing Fianance Ltd. to deduct/ adjust pend-
ing processing fee, pending charges/ fees, Broken Period Interest, Pre EMI In-
terest from above requested disbursement, as the case may be.

Declaration: The Applicant and the Co-applicants declare that the aforesaid
disbursement is being made strictly on their instruction and at their instance
in favor of the payee. We have exercised due care and caution,and conducted
the requisite due diligence in relation to the title of the property selected/
purchased and/ or mortgaged. We represent that all the requisite complianc-
es and approvals have been obtained.

VERSION - 4 138

DISBURSEMENT REQUEST FORM

Piramal Capital & Housing Fianance Limited does not directly or indi-
rectly recommend or take responsibility for the title of the property, the
stage/ progress of construction, delay in delivery or abandonment of the
project in which the property is being purchased. The Applicants and the
Co-applicants shall hold harmless and indemnify Piramal Capital &
Housing Fianance Ltd. against any loss, damage, cost and claims caused
to it as a result of acting on this declaration.
Date: 20/08/17
Place: Mumbai

Details Name Signature
Ranjeet Kapil Sharma RSharma
1st Applicant Sheetal Ranjeet Sharma SSharma
Co-applicant No.1 NA
Co-applicant No.2 NA NA
Co-applicant No.3 NA

Information for Borrowers :
1) Disbursement Cheque/ DD for Disbursement is to be collected on the

day of intended disbursement date.
2) Interest on Loan will commence from the date of handover of the

Disbursement Cheque or on the date of Electronic Fund Transfer/
RTGS/ Bankers Cheque (as the case may be)
3) A Copy of Disbursement Request Form is handed over to the
Borrower(s).

(For Office Use Only - Please tear off this potion
before handing over the Customer Copy)

Sourcing Details

DSA Name Dinesh G. Ghodke DSA Code 002154

RM Name RM Code

Connector Name Connector Code

Sales Mgr Name Prakash Shinde Sales Mgr Code 01234

Area Sales Mgr Name Area Sales Mgr Code

In case of direct walk-in, name of branch staff

VERSION - 4 139

Marriage Certificate

Purpose :
This document is collected where there is no relationship proof available.

“To be franked as per the State Stamp Duty Act”

The stamp duty in my state is....
MARRIAGE AFFIDAVIT
I, [Sheetal Sanjay Mishra] D/o [Sanjay Karishna Sharma] and W/o [•] aged
about [25] R/o [202/A, Radhe krishan, Shyam Nagar, Near Gandhi Van,
Delhi Road, Meerut, Uttar Pradesh 27510] do hereby solemnly affirm and
declare as under:
1. That my date of birth is [20/02/1984];
2. That I was married with [Ranjeet Kapil Sharma] son of [Kapil Ramji Shar-
ma], R/o [204-A Sai Sharnam Society, Near J.B Nagar, Andheri - W] on
[22/01/2014] at [Mangal Karyala, Jogeshwari (E) ] according to [•] Act/
Rights/Customs in the presence of friends, relatives, and family members
of both the parties; and

VERSION - 4 140

Marriage Certificate

3. That since the date of marriage mentioned herein above, I am residing
with [Ranjeet Kapil Sharma], as husband and wife.

SSharma

DEPONENT
VERIFICATION:
Verified at [204-A Sai Sharnam Society, Near J.B Nagar, Andheri - W] on this
[13] day of [July], 2014 that the contents of my abobe affidavit are true
and correct to the best of my knowledge and belief, no part of it is false
and nothing material has been concealed there

SSharma

DEPONENT

VERSION - 4 141

POWER OF ATTORNEY - NRI

Purpose :
This document is collected when one of the applicants or both of them are
NRIs. The POA holder in India is authorized to deal with the housing finance
company on behalf of the POA.

“To be franked as per the State Stamp Act. ”

The stamp duty in my state is....

INSTRUCTIONS FOR EXECUTION OF POWER OF ATTORNEY
I. WHEN POWER OF ATTORNEY IS EXECUTED IN INDIA BY

NON RESIDENT INDIANS
*Paragraph as per Sr. No. 1 to 3 has not been reproduced here as
there are no columns to be filled-up.
II. WHEN POWER OF ATTORNEY IS EXECUTED OUTSIDE INDIA

BY NON-RESIDENT INDIANS

*Paragraph as per Sr. No. 1 to 3 has not been reproduced here as
there are no columns to be filled-up.
“Signed for and on behalf of Mr. Ranjeet Kapil Sharma (name of custom-
er) by power of attorney holder Mrs. Sheetal Ranjeet Sharma (name of
Attorney), duly authorized vide the power of attorney dated 01/12/2017
(date of power of attorney).”

VERSION - 4 142

POWER OF ATTORNEY - NRI

GENERAL POWER OF ATTORNEY
*Paragraph as per Sr. No. 1 to 17 has not been reproduced here

as there are no columns to be filled-up.

SCHEDULE

Sr. No. Particulars Details

1 Date and Place of Date: 01/12/2017
Execution of the Place: Mumbai
Power of Attorney

2 Details of the Mr./Ms/ Ranjeet Kapil Sharma, aged
Grantor about 33 years,son/ daughter/ wife of
Kapil Sharma, resident of 1st floor Sheikh
Mohammed bin Rashid Blvd - Dubai -
United Arab Emirates ; and

Mr./Ms/ years,
aged about
son/ daughter/ wife of resi-
dent of

Details of Attorney POA holder Mrs. Sheetal Ranjeet Sharma (In
this illustration Ranjeet’s wife is attorney
holder)

SIGNED AND DELIVERED by the within named Borrower
1. Ranjeet Sharma

Date: 01/12/2017
Place: Mumbai

To be attested by any authorized official of the Indian Embassy / Indian Consul-
ate / Trade Commissioner of India)

VERSION - 4 143

LEGAL DOCUMENTS AT A GLANCE

Sr. Documents Stamping Notary Registration
No.
1. Loan Agreement YN N

2. MITC NN N

3. Affidavit for Construction in Ac- YY N
cordance with Sanctioned Plan

4. Power of Attorney YY N
N
5. Declaration YY Y
N
6. Notice of Intimation NN N

7. MODT YN N

8. Affidavit - Dual Name/Signature Y Y

9. Declaration for signing in NN
Vernacular language

10. Marriage Affidavit YY N

11. Execution of POA for NRI Customer Y Y N

12. Indemnity of Borrower in case of Y N N
Borrower BT
Indemnity of Borrower in case of
13. Seller BT Y N N

14. Indemnity of Seller in case of Seller Y N N
BT Y N N
15. Deed of Corporate Guarantee

16. Deed of Personal Guarantee YN N

17. Indemnity cum Declaration from Y N N
Developer for Litigation Y N Y

18. Deed of Simple Mortgage

19. Deed of Indemnity - Non availabil- Y N N
ity of Title Documents

VERSION - 4 144

Stamp Duty

Sr. Documents Stamp Duty* (As on........................)
No.
Maharashtra Delhi UP Karnataka Haryana

1. Loan 600
Agreement

2. Affidavit for 100
Construction

3. Power of 500
Attorney

4. Declaration in 600
loan Kit

5. Deed of Simple
Mortgage

6. Indemnity

7. MODT - Loan 0.1% of the
Amount loan Amt.
0.2% of the
Upto Rs. Loan Amt.
5,00,000 maxi. of
> Rs.5,00,000 Rs.10,00,000/-

VERSION - 4 145

VERSION - 4 146

VERSION - 4 147