Loan Agreement

This Loan Agreement ("Agreement") has been executed at Gurgaon, Haryana, on 29 April 2026, by and between: M/s DECIMUS FINANCIAL LIMITED (CIN. U65921PB1996PLC018984), a company incorporated under the laws of India and registered as a non-banking financial company under the Reserve Bank of India Act, 1932, having its registered office at Moga Road Bagha Purana, Moga, Punjab, India, 142038 (hereinafter referred to as the "Lender", which expression shall, unless repugnant to the context or meaning thereof, include its successors and permitted assigns);

AND

Mr. ABHISHEK KUMAR, PAN: HKBPK2237P, residing at S/O Sanjeev Mishra, Village Kharahara, Post Kharahara, Dist Banka, Barahat, Barahat, Banka, Bihar, 813103, India, hereinafter referred to as the 'Borrower,' (which expression shall, unless inconsistent with the context or meaning thereof, include his/her/their legal heirs, executors, administrators, successors-in-interest, and permitted assigns), is the second party to this Agreement. The Lender and Borrower shall each be referred to individually as a 'Party' and collectively as the 'Parties' for the purposes of this Agreement.

NOW THIS AGREEMENT WITNESSETH AS FOLLOWS:

1. Scope

• The Lender (DECIMUS FINANCIAL LIMITED) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) and engaged in the business of providing loans to its customers.
• The Borrower had approached the Lender for a loan not exceeding INR 15,000 (Rupees Fifteen Thousand only) (hereinafter referred to as the 'Loan' or 'Loan Amount') on the terms, conditions and the purpose as stated/contained in this Agreement. To be read with the sanction letter(s) and the Key Fact Statement/KFS issued by the Lenders, and as more specifically detailed under Annexure I.
• Borrower understands that every Loan request shall be assessed individually at the Lender's sole discretion and the final disbursement amount shall be based on the Lender's internal policies and eligibility criteria applicable to the Borrower.
• The Borrower acknowledges and agrees that, for the purpose of assessing loan eligibility, the Lenders may require certain Personal Information, including Sensitive Personal Information, as defined under applicable laws, including but not limited to the General Data Protection Regulation (GDPR), the Reserve Bank of India's (RBI) Digital Lending Guidelines, and the Information Technology Act, 2000 (India).
• The Borrower explicitly and irrevocably consents to the Lenders collecting, storing, processing, sharing, obtaining, disclosing, and authenticating such information, including CKYC/KYC details, either directly or through authorized agencies and/or statutory authorities such as UIDAI, in compliance with the aforementioned laws and regulations.
• Furthermore, the Borrower consents to the use and storage of such information by the Lenders for credit assessment, risk profiling, fraud prevention, regulatory reporting, and any other lawful purpose, as permitted under applicable laws and regulatory guidelines. The Borrower acknowledges that this data may be processed and shared without requiring additional notice, to the extent necessary for compliance and service delivery. The Borrower retains the right to withdraw consent for data processing in accordance with applicable law, subject to the terms and conditions governing the loan agreement.
• This Agreement shall be valid for any Loan(s) availed by the Borrower within a period of 3 years from the Effective Date, subject to applicable terms.
• At the request of the Borrower, the Lender may in its sole discretion agree to the Borrower reborrowing any amount(s) under this Agreement for such amounts and for such further periods as the Lender may deem fit in its sole discretion and/or in compliance with applicable laws.
• Any increase in the credit limit shall be subject to fresh underwriting, KYC verification, and the explicit consent of the Borrower, in compliance with the RBI's Digital Lending Guidelines (2023). There will be no automatic credit limit increase without fulfilling these requirements.
• The Loan shall be subject to the terms and conditions agreed herein between the Lender and the Borrower.

2. Disbursement

The Lender shall have the sole and absolute discretion to determine the timing, manner, quantum, and number of instalments in which the Loan (or any part thereof) is disbursed, notwithstanding any request or indication by the Borrower. The Lender shall not be obligated to disburse the entire sanctioned amount and may withhold or cancel any undisbursed portion without assigning any reason.

The Borrower irrevocably authorizes the Lender to disburse the Loan, in whole or in part, directly to any third party, including vendors, service providers, or other beneficiaries, as determined by the Lender or as agreed between the parties. Any such disbursement shall be deemed to have been made to and received by the Borrower, and the Borrower shall remain fully and unconditionally liable for repayment of the entire Loan amount so disbursed.

In case of purchases made by the Borrower from merchants associated with the Lender or co-lenders, the Borrower agrees that the Loan shall be deemed to have been disbursed upon transfer of the Loan amount (or any part thereof) from the Lender's or co-lender's account to the relevant merchant account. The Borrower's confirmation (including electronic or digital confirmation) shall be final and binding.

The Lender reserves the right to impose such pre-disbursement conditions as it may deem fit, including but not limited to submission of documents, verification requirements, execution of agreements, and compliance with applicable policies. Failure to satisfy such conditions may result in delay, suspension, or cancellation of disbursement.

3. Interest and Charges

• The Borrower shall pay to the Lender interest, penal charges, processing fees, late payment fees, ECS/NACH/cheque dishonour charges, rollover fees, and any other fees, costs, expenses, or charges whatsoever (collectively, the "Charges") at such rates and within such timelines as may be specified by the Lender in Annexure 1, the Mobile Application Form, or as otherwise communicated by the Lender from time to time.
• The Borrower expressly acknowledges and agrees that the Lender shall have the sole and absolute discretion to revise, vary, or introduce any interest rate and/or Charges at any time, in accordance with its policies or applicable laws and regulations. Any such revision may be communicated through the Mobile Application, electronic communication, or any other mode deemed appropriate by the Lender, and shall be binding on the Borrower.
• The Borrower agrees that any re-borrowing, top-up, or additional utilisation under the Loan shall be subject to such processing fees, documentation charges, and other applicable Charges as may be prescribed by the Lender at its sole discretion from time to time.
• In the event of default in payment of any Amount Due or breach of any obligation under this Agreement, the Borrower shall be liable to pay default interest, penal charges, and all applicable Charges at such rates as determined by the Lender, which may be higher than the regular interest rate. The Lender shall also be entitled to recover all costs, charges, and expenses (including legal and recovery costs) incurred in connection with such default.

4. Repayment and Prepayment of the Loan

The Borrower irrevocably agrees to repay the Loan, together with applicable interest, default interest, Charges, fees, dues, taxes, and all other amounts payable (collectively, the "Amount Due"), on the due dates and within the timelines specified by the Lender. The Borrower's obligations under this Agreement shall be absolute, unconditional, and continuing, and shall remain in full force until all Amounts Due have been fully repaid and discharged to the sole satisfaction of the Lender.

The Lender may, at its sole and absolute discretion, permit or refuse any request for prepayment or foreclosure of the Loan, in whole or in part, and may impose such conditions, including but not limited to prepayment/foreclosure charges, lock-in periods, and other fees, as it may deem fit.

The Borrower shall remain fully liable in respect of all repayment instruments, mandates, or instructions issued in favour of the Lender. The Lender shall have the right to present or re-present such Repayment Instruments until full realization of the Amount Due.

The liability of the Borrower under this Agreement shall be joint and several (where applicable) and shall extend to and be binding upon the Borrower's legal heirs, representatives, executors, administrators, and successors.

5. ECS Mandate / E-Mandate

• The Borrower has given Electronic Clearing System ("ECS")/NACH mandate, E-mandate (collectively "Repayment Instrument") in favour of the Lender for the repayment of the Loan. The Borrower hereby unconditionally and irrevocably authorizes the Lender or any other enforcing agency to enforce the Repayment Instruments towards payment of the Amount Due. The Borrower shall ensure availability of funds in the account on which such Repayment Instrument(s) have been drawn.
• The Borrower confirms that the Loan under this Agreement has been made available on the basis of the Repayment Instrument(s) issued by the Borrower in favour of the Lender. The Repayment Instruments remain valid for all Loan along with interest, default interest and Charges.
• In case the Borrower does not comply with the aforesaid, the Lender shall still be entitled to present/invoke the Repayment Instrument(s). The dishonour/failure of the Repayment Instrument(s) shall be treated as an Event of Default under this Agreement.

6. Event of Default

The Borrower shall be deemed to have committed an act of Default if the Borrower does not comply with his/her obligations as mentioned in this Agreement and also on the happening of one or more of the following events (each an "Event of Default"):

• Default has occurred in the repayment of the Loan along with interest, default interest or the Charges on the due date(s) or on demand whether under this Agreement or under any other Agreement with the Company.
• In the opinion of the Lender, Borrower has breached the representations and warranties and the covenants provided under this Agreement.
• In the opinion of the Lender, the Borrower has defaulted in the performance of any Covenant, condition or agreement under this Agreement.
• The Borrower is or becomes a party to any litigation, arbitration, administrative or other action, investigation by any governmental entity, claim, suit or proceedings which would have a material adverse effect on the terms of this Agreement.
• The Borrower fails to furnish any information or document that may be required by the Lender from time to time.
• If any proceedings are pending or threatened against the Borrower by any Authority for any misconduct or breach/violation of any law or regulations or code of conduct.

Upon occurrence of an Event of Default, the Lender may:

• Declare the outstanding amount of the Loan forthwith payable, without any notice to the Borrower.
• Terminate the Loan and declare all obligations immediately due and payable.
• Stop advancing money or extending credit for the Borrower's benefit under this Agreement or any other agreement.
• Take any action and proceed under any applicable law or statute against the Borrower.
• Enforce the Security, if any available.

The Borrower agrees that the account shall be classified as Non-Performing Asset (NPA) as per the extant RBI Circulars/Regulations when the payment of Loan Instalment (principal and/or interest) remains overdue for more than 90 days.

7. Remedies in Case of Default

The following rights and remedies shall be available to the Lender, without prejudice to, and in addition to, any other rights or remedies available under this Agreement, applicable law, or in equity:

• The Lender shall be entitled to recover from the Borrower all charges arising from dishonour or non-payment of any Repayment Instrument(s), including but not limited to cheque/ECS/NACH return charges, default interest, penal charges, and any other applicable Charges.
• The Lender shall be entitled to invoke and pursue any remedy available under applicable law, including proceedings under Section 138 of the Negotiable Instruments Act, 1881, Section 25(1) of the Payment and Settlement Systems Act, 2007, and any other civil or criminal remedies available for recovery of the Amount Due.
• The Lender shall have the absolute right, at its sole discretion, to take any action including recovery proceedings, enforcement of security (if any), appointment of collection/recovery agents, or initiation of legal proceedings for recovery of all amounts due.
• The Lender shall have the right to initiate criminal proceedings and/or any other appropriate legal action against the Borrower in the event of misrepresentation, or submission of forged, falsified, or misleading documents, information, or data in connection with the Loan.
• The Lender shall also be entitled to recover from the Borrower all costs, charges, and expenses incurred in connection with the enforcement of its rights under this Agreement, including but not limited to legal fees, collection charges, and recovery expenses.

8. Representations and Warranties

The Borrower hereby represents, warrants, and undertakes to the Lender, on the date of execution of this Agreement and on a continuing basis thereafter, that:

• Upon execution, this Agreement constitutes a valid, legal, and binding obligation of the Borrower, enforceable against the Borrower in accordance with its terms, and the Borrower has full capacity, authority, and power to enter into and perform its obligations under this Agreement.
• The execution, delivery, and performance of this Agreement do not and will not violate any applicable law, regulation, order, judgment, or decree, or conflict with or result in a breach of any agreement, instrument, or obligation binding on the Borrower.
• All information, declarations, statements, and documents provided by or on behalf of the Borrower are true, correct, complete, and not misleading in any respect, and no material information has been withheld.
• The Borrower is not in default of any obligation under any agreement or arrangement with any person, nor subject to any insolvency, bankruptcy, winding-up, or similar proceedings.
• The Borrower has obtained and shall maintain all necessary consents, approvals, permissions, and authorizations required for entering into and performing obligations under this Agreement.
• The Borrower undertakes to promptly notify the Lender of any event or circumstance that renders any representation or warranty untrue, incorrect, or misleading at any time during the tenure of the Loan.
• The Borrower agrees that the Loan shall be utilized solely for the purpose stated in the application or as permitted by the Lender and shall not be used for any unlawful or prohibited activities.
• The Borrower acknowledges the Lender's right to verify, access, and share the Borrower's information with credit bureaus, regulators, service providers, or third parties, in accordance with applicable laws and the Lender's policies.

9. Covenants

The Borrower hereby covenants that the Borrower shall:

• Ensure timely payment of the Amount Due and ensure that the Repayment Instrument(s) are honoured on presentation.
• Utilize the Loan only for the use agreed upon through this agreement and not for any other purpose including making investments in the capital market or for any speculative, unlawful, and/or anti-social purposes.
• Promptly notify the Lender through a written notice, of any change in the Borrower's mobile number (7050957657), postal address or any other details provided in the Application Form.
• Execute any and all documents, as the Lender may require, from time to time, for duly or more perfectly securing the repayment of the Loan.
• Utilize any money received under an insurance claim by the Borrower, including legal heirs, for the repayment of the outstanding amount of the Loan.
• Not default or delay in the repayment of outstanding Loan amount along with interest, default interest or the Charges and dues beyond the respective due dates.

10. Indemnification

The Borrower hereby expressly agrees to indemnify, defend and hold the Lender and its directors, officers, employees, agents, attorneys or any other Person affiliated with or representing the Lender harmless against:

• All obligations, demands, claims, and liabilities (collectively "Claims") asserted by any other party in connection with the transactions contemplated by the Loan Documents; and
• All losses or expenses incurred, or paid by the Lender, following or arising from transactions between the Lender and the Borrower (including reasonable attorney's Charges and expenses), except for claims and/or losses directly caused by the Lender's gross negligence or wilful misconduct.

11. Authorization and Disclosures

• The Borrower authorizes the Lender to engage or appoint one or more person(s) to verify any fact or information furnished by, concerning and pertaining to the Borrower and/or to collect any and all Borrower information or activities relating to the administration of the Loan. The Borrower expressly accepts and authorizes the Lender (and/or any such third party as the Lender may appoint from time to time) to contact third parties (including the family members of the Borrower) and disclose all necessary or relevant information pertaining to the Borrower and the Loan.
• The Borrower also authorizes the Lender or any third party (authorized by the Lender) to collect data from Credit Information Companies ("CICs").
• The Borrower agrees and authorizes the Lender to disclose, from time to time, any information relating to the Borrower and/or the Loan to: (a) any employee or representative of the Lender or to third parties engaged by the Lender; (b) the CICs and other agencies authorized by the Reserve Bank of India or any other regulatory authority; (c) to any group companies and/or to any of the Lender's service providers, insurers, insurance brokers, professional advisers, and/or credit rating agencies.
• The Lender shall give notice to the Borrower of any change in the terms and conditions including the disbursement schedule, interest rates, the Charges, repayment terms, etc.

12. Limitation of Liability

Borrower expressly understands and acknowledges that the Lender shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if the Lender has been advised of the possibility of such damages.

13. Dispute Resolution and Governing Law

In the event that any Party fails to comply with the terms and conditions set forth in this Agreement, the other Party shall have the full right to enforce this Agreement in accordance with applicable laws through the competent courts in India. Any dispute or difference arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts in Haryana.

14. Miscellaneous

• The Borrower hereby states that the contents of the Loan Documents have been read out and explained to the Borrower in the local language, and the Borrower has understood the contents of the Loan Documents before affixing their signature thereto.
• Except as otherwise provided herein, all charges and expenses incurred in connection with or related to this Agreement shall be borne by the Borrower. The Borrower shall be liable for the payment of any applicable taxes, stamp duty, penalties, registration charges, or any other levies incurred.
• The Parties hereto confirm and acknowledge that this Agreement, along with the Application Form and Annexure(s), constitutes the entire agreement between them and supersedes all prior communications, whether oral or written, in relation to the subject matter of this Agreement.
• If any provision of this Agreement is held to be illegal, invalid, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue to remain valid and enforceable to the fullest extent permitted by law.
• The Borrower shall not assign or transfer any of its rights or obligations under this Agreement in any manner whatsoever. However, the Lender shall have the right, at its sole discretion, to assign, transfer, or novate its rights and/or obligations under this Agreement, in whole or in part, to one or more banks, financial institutions, trusts, or any other entities, without any prior notice or reference to the Borrower.
• No amendment, modification, or supplement to this Agreement shall be valid or binding unless executed in writing and duly signed by the authorized representatives of both Parties.

Annexure 1

Borrower	Mr. ABHISHEK KUMAR
PAN	HKBPK2237P
Company	Zydus Wellness
Address	S/O Sanjeev Mishra, Village Kharahara, Post Kharahara, Dist Banka, Barahat, Barahat, Banka, Bihar, 813103, India
Applied Amount	INR 15,000
Current Sanction	INR 10,000
Date	29 April 2026
Repayment Date	2 June 2026
Interest Rate	1% per day

Lender Charges

• Interest Rate: 1% per day
• ECS/NACH Mandate Reject Charge: Rejection charges not exceeding Rs. 250/- per rejection.
• Repayment Instrument Dishonour Charge: Rs. 500/- per month / per default towards dishonour.
• Cooling-off Period: 3 days, during which the Borrower shall not be charged any penalty on prepayment of loan.
• Prepayment Charges: In case of prepayment there will be a waiver of 18% interest on the outstanding amount.
• NACH Mandate Amount: 100% of take-home salary amount, covering possible increase in limit, processing fee, interest levy and other charges in event of default.
• Processing Fee: 10% of the Loan amount exclusive of all taxes.
• Collection Charges: INR 100 per day of delay from the due date until realization.
• The Lender, may at its sole discretion, waive or reduce the charges as mentioned above, on a case-to-case basis.

IN WITNESS WHEREOF the Parties have executed this Agreement on the day and year as mentioned in the First Schedule. The agreement has been signed digitally using either of the two methods — Aadhaar based OTP verification or Registered Number & Email ID based OTP verification.