Sanction KFS

Sanction Letter & Key Fact Statement

Date	Name of R.E.	Applicant Name	Loan Number
29/04/2026	DECIMUS FINANCIAL LIMITED	ABHISHEK KUMAR	Y2026042900464

Key Loan Terms

1. Lender	DECIMUS FINANCIAL LIMITED
2. LSP	TWOMINUTES FINTECH PVT LTD
3. Proposal Validity	5 days
4. Application ID	118375
5. Applicant Details
Name	ABHISHEK KUMAR
Address	S/O Sanjeev Mishra, Village Kharahara, Post Kharahara, Dist Banka, Barahat, Barahat, Banka, Bihar, 813103, India
PAN	HKBPK2237P
Aadhaar	XXXX-XXXX-4219
Date of Birth	25/02/2000
Mobile	7050957657
Email	[email protected]
6. Purpose	Medical Emergency
7. Disbursement Through Bank Transfer
Bank Name	Kotak Mahindra Bank
IFSC Code	KKBK0000181
Account Number	9246351129
8. Tenure (in Days)	34

Financial Terms

Sr. No.	Parameters	Amount (₹)
(i)	Loan Sanctioned	₹10,000
(ii)	Total Interest Payable	₹3,400
(iii)	Processing Fees	₹1,000
(iv)	Net Disbursement ((i) − (iii))	₹8,820
(v)	Total Amount Payable by Borrower ((i) + (ii))	₹13,400
(vi)	Interest Rate Per Day (%)	1%
(vii)	Annual Percentage Rate (APR) %	623.00%
(viii)	Tenure (in Days)	34
(ix)	No. of Instalments	1
(x)	Instalment Amount	₹13,400

Contingent Charges

#	Charge Type	Amount
1	Penal charges for delay in payments of dues	₹100 per day for the delay
2	NACH / e-Mandate Bounce Charges	₹500 + GST
3	Statement of Account (SOA) Charges	Nil

Other Disclosures

#	Item	Details
1	Cooling-off / Look-up Period	3 days
2	Details of LSP acting as recovery agent authorized to approach the Borrower	Twominutes Fintech Pvt. Ltd.
3	Nodal Grievance Redressal Officer	Name: Mr. Sourav Pandey Designation: Grievance Redressal Officer Address: Moga Road Bagha Purana, Moga, Punjab – 142038 Email: [email protected]

Repayment Schedule (Tentative)

Instalment No.	Principal (₹)	Interest (₹)	Instalment (₹)	Due Date
One	₹10,000	₹3,400	₹13,400	02/06/2026

General Terms & Conditions

1. This sanction is provisional and issued based on the information, declarations, and documents submitted by the Applicant. The Lender reserves the absolute right to: (i) verify such information independently, (ii) modify, suspend, or cancel the sanction at any stage prior to disbursement, without assigning any reason. The Loan shall be disbursed strictly subject to execution of definitive loan documents, successful verification, and compliance with internal credit policies of the Lender. The Lender shall have the right to revoke this sanction if it is not accepted within five (5) days from the date of issuance.
2. The Borrower shall be solely and absolutely liable for repayment of the Loan, together with interest, charges, and all applicable dues, irrespective of: (i) the purpose for which the Loan is utilized, (ii) any dispute with third parties, (iii) any service or facilitation provided by the LSP.
3. No delay or omission by the Lender or the LSP in exercising any right or remedy shall operate as a waiver thereof, nor shall any single or partial exercise preclude any further exercise of such rights.
4. Upon occurrence of any default, including non-payment, misrepresentation, or breach of terms, the Lender shall have the absolute right to: (i) recall the entire Loan amount with immediate effect, (ii) levy penal charges, (iii) initiate recovery proceedings as permissible under law. The Borrower shall not be entitled to any prior notice in such cases.
5. The Borrower expressly consents to the Lender and the LSP collecting, storing, processing, and sharing data with:
   • Credit Information Companies
   • Regulatory authorities including Reserve Bank of India
   • Service providers engaged for loan facilitation
   The LSP shall act only as a data processor/facilitator and shall not be responsible for decisions taken by the Lender based on such data.
6. The Lender may undertake recovery actions directly or through authorized representatives in accordance with applicable laws. The LSP may assist in communication strictly as a facilitation service and shall not be deemed a recovery agent unless separately authorized.
7. The Borrower agrees to indemnify and keep indemnified the Lender and the LSP, including their officers and affiliates, against any losses, claims, damages, or liabilities arising from: (i) breach of terms, (ii) misuse of loan funds, (iii) incorrect information provided by the Borrower, (iv) any third-party claims arising out of the Borrower's actions.
8. The Borrower confirms that:
   • All terms have been read and understood
   • The Loan is availed at their sole discretion
   • No reliance has been placed on any representation other than those contained herein
9. The Borrower shall utilize the Loan strictly for the purpose stated in the application. The Lender reserves the right to verify end-use at any time. Any diversion or misuse of funds shall constitute an event of default, entitling the Lender to recall the entire Loan immediately.
10. The Lender shall have the right of set-off and lien against any monies, deposits, or balances of the Borrower available with the Lender, whether singly or jointly held, towards adjustment of any outstanding dues under this Loan.
11. The Borrower agrees to indemnify and hold harmless the Lender and the LSP, including their respective directors, employees, agents, and affiliates, from and against any losses, claims, damages, liabilities, costs, or expenses arising out of: (i) breach of terms by the Borrower, (ii) misuse or diversion of loan funds, (iii) incorrect or misleading information, (iv) any third-party claims attributable to the Borrower.

Acknowledgement