APPLICATION FORM

CLN No.: : {{app_id}}	Loan Amount: Rs. {{loan_amount}}	CAF No: {{documentNumber}} Date: {{date}}
PAN: {{pan_no}}
Aadhaar Number (Optional) (Enter the last four digits only): {{aadhaar_number}}
Applicant Name (Name of Customer as per PAN): {{name}}
Date of Birth: {{dob}}	Gender: {{gender}}
Net monthly income (Rs.): {{net_monthly_income}}
Permanent Address : {{current_permanent_add}}
Current Address Details :
City: {{city}}	State: {{state}}	Pin code: {{pincode}}
Mobile: {{mobile_no}}	Email: {{email}}
Employment Type: {{employment_type}}	Employer Name: {{employer_name}}
Official email: {{official_email}}	Office No.: —
Rate of Interest:	18-34%
Processing Fee:	Up to 6%
Penal Charges:	Lower Range Amount Higher Range Amount Delayed Payment Charges per day 0 500 NIL 501 5,000 ₹ 12 5,001 15000 ₹ 24 15,001 25000 ₹ 36 Greater ₹ 48 Maximum cap for late payment penalty charges is ₹2500/-per loan.

Declaration and Consent:

• I hereby apply for a credit facility of the amount of Rupees as mentioned hereinabove in this application from VCL and Respo facilitated through the Digital Lending Application “Zype” I therefore authorize VCL and Respo and its agents to make references and enquiries relevant to the information in this Application Form and to those submitted electronically as per their discretion.
• The Borrower understands that, for assessing eligibility, disbursing, servicing, and recovering the Facility, the Lenders and its authorised Lending Service Providers (“LSPs”) may need to collect Personal Information (including Sensitive Personal Information) as defined under applicable law. The Borrower expressly and irrevocably authorises the Lenders to collect, access, verify, and authenticate such information whether directly or through CKYC, UIDAI, Credit Information Companies, or any statutory authority—for the aforesaid purposes and for compliance with any law or regulatory directive. Further, the Borrower hereby provides consent to receive any information from the Central KYC Registry through SMS and/or email on the registered mobile number and/or email address provided in this Application Form.
• I/We consent to the Lenders creating, updating, uploading and verifying my/our KYC records with the Central KYC Registry (CKYCR) in accordance with applicable law and regulatory requirements.
• Access to customer information by the Lender’s staff or any LSP shall be strictly on a need-to-know basis, limited to the functions outsourced or performed under this Agreement. Data will not be shared with any third party for purposes unrelated to the Facility without the Borrower’s fresh, specific consent.
• I/We acknowledge that the Loan applied for herein is extended under a co-lending arrangement between Hari and Company Madras Investments Limited (“VCL”) and Respo Financial Capital Private Limited (“Respo”), both being non-banking financial companies registered with the Reserve Bank of India. The Loan is jointly provided by VCL and Respo in proportion to their agreed participation, and is governed by the terms set out in the Key Fact Statement, sanction letter and loan agreement.
• Personal data will be retained only for so long as necessary to fulfil (a) the purposes stated above and (b) the Lender’s legal, regulatory, contractual or statutory obligations, including record-management instructions issued by the Reserve Bank of India. When those purposes and obligations cease to apply, the data shall be permanently deleted or irreversibly anonymised in accordance with the Lender’s Board-approved Customer Data Policy available on the Company’s website
• The Borrower may at any time (i) deny or withdraw consent for specific data elements, (ii) restrict disclosure to third parties, (iii) request deletion or “forgetting” of data, or (iv) revoke consent entirely by writing to support@respo.co.in. and/or grievanceredressal@vivriticapital.com Upon receipt of such request, the Lenders shall cease processing the data except where retention is required to comply with law or to defend legal claims.
• If your complaint/grievance is not resolved within 30 days, or if you are not satisfied with the resolution provided by the Lenders, you may escalate your complaint to the RBI Integrated Ombudsman free of charge at https://cms.rbi.org.in or at the RBI Ombudsman office having jurisdiction over the Lenders’ registered offices.
• I authorise VCL and Respo, its agents/representatives to provide me information on various products, offers and services provided by VCL and Respo through any mode (telephone calls, SMS, electronic mails, etc.). I also hereby consent to receiving important terms and conditions, and revisions thereto, from VCL and Respo via WhatsApp/SMS/Email. Further, any acceptance by me through WhatsApp/SMS/Email from the mobile numbers(s) & email IDs provided by me in this Application Form will be binding on me.
• I confirm that laws concerning the unsolicited communication referred in “National Do Not Call Registry” (the “NDNC Registry”) will not be applicable for such communication/calls/ SMSs received from VCL and Respo, its employees, agents, service provider and/or associates.
• I have understood Lender’s interest rate model, its approach for gradations of risk and rationale for charging different interest rate to different categories of borrowers. I agree that Lenders reserves the right to charge different rate of interest to different customers based on its internal policy and parameters. Know More
• I have understood that the processing fee is non-refundable and will not claim or raise dispute in future for refund of processing fee/ such fee, if loan is rejected for any reason. I undertake to inform Lenders regarding any changes in my occupation/ employment/ residential status or any change in my KYC details. I further agree that decision to grant or reject my loan proposal shall be at the sole discretion of the Lenders based on their credit assessment and applicable policies..
• I hereby declare that details furnished above are true and correct to the best of my knowledge and belief and I undertake to inform the Lenders of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I may be held liable for it.
• I hereby declare that KYC information /documents submitted to Zype, which is a Platform, are true, correct and updated as on date of Application of Loan Facility. The Lenders may rely on such documents /information for doing their KYC due diligence in accordance with the Master Directions – Know Your Customer Directions, 2016 issued by Reserve Bank of India, as amended from time to time.
• I hereby confirm that my annual household income, that is to say, the annual income of my family unit, i.e., husband, wife, and unmarried children, is more than Rs.3 lakhs, and therefore, my/our borrowing of the present facility, does not qualify to be a microfinance loan under the Reserve Bank of India (Regulatory Framework for Microfinance Loans) Directions, 2022.
• I/We understand that, if this application is approved, a Key Fact Statement (KFS) disclosing the all-inclusive APR, rate of interest, fees, charges, repayment schedule and cooling-off period will be provided to me/us before I/we execute the loan agreement, and that I/we will have at least 3 (three) working days to review it
• I/We consent to receiving the Key Fact Statement (KFS), sanction letter, loan agreement, repayment schedule, notices, communications and all other loan-related documents electronically through SMS, e-mail, WhatsApp, mobile application or any other digital mode permitted under applicable law. Such electronic delivery shall constitute valid delivery and service of the relevant document.
• I/We hereby declare that no insolvency, bankruptcy, liquidation, winding-up or similar proceedings have been instituted or are pending against me/us and that I/we have not been declared insolvent by any court, tribunal or competent authority.
• I/We confirm that I/we can read, understand and communicate in the English language and have understood the contents of this Application Form, the Key Fact Statement and all related loan documents before providing my/our consent.
• I/We acknowledge and agree that this Application Form, the Key Fact Statement, sanction letter, loan agreement and all related documents may be executed, accepted and authenticated electronically through OTP, e-sign, Aadhaar-based authentication, digital signature or any other legally permissible electronic mode, and such electronic acceptance shall be valid and binding.
• I/We consent to the sharing of my/our information between the Lenders, the Platform and authorised Lending Service Providers solely for purposes of customer onboarding, underwriting, loan servicing, collections, regulatory compliance and related activities in accordance with applicable law.
• I/We confirm that the current residential address provided in this Application Form is true and correct and, where declared, is the same as my/our permanent address.
• I/ We am/are aware of the Fair Practices Code and Interest Rate Policy adopted by VCL for determination of interest rates, fees and other charges, which can be accessed from the VCL’s website: www.vivriticapital.com
• The Borrower may exit the Loan within the cooling-off/look-up period of 3 (three) days from the date of disbursal of the Loan by paying the principal amount and the proportionate charges applicable for the period for which the Loan was availed, as specified in the Key Fact Statement, without any penalty or foreclosure charges.

Consent for offline verification of an Aadhaar Number Holder

I have submitted of my own volition, the proof of possession of Aadhaar including KYC XML received from the UIDAI, Quick Response (“QR”) code embedded in the Aadhaar card (hereinafter referred to as “KYC Information”) to Lenders for verifying my identity and address to enable processing of my loan application. I authorise and give my consent to the Lenders and its representatives for following informed purposes:

• initial and periodic KYC due diligence or other authentication/verification/identification as may be permitted by the Prevention of Money Laundering Act, 2002 & the Rules thereunder, the RBI Directions and any other the applicable law, for all loan proposals, accounts or services with/through Lenders, existing and future.
• collecting, sharing, storing, preserving Information, maintaining records and using the Information and authentication/ verification/identification records for the purposes mentioned at para (i) above, for regulatory and legal reporting and filings and/ or wherever required under the applicable laws.
• producing records and logs of the consent, Information or of authentication, identification, verification etc. for evidentiary purposes including before a court of law, any authority or in arbitration. I have been informed that submission of Aadhaar is not mandatory and the alternative options for KYC and establishing identity / address, including by way of KYC with officially valid documents other than Aadhaar, were also made available to me. For processing my above loan application, I authorise Lenders to use PAN, the KYC information, my personal details including Credit Report, Bank details, other proofs etc. provided through Digital Lending Application, Zype. I declare and undertake that all details and KYC Information provided by me are latest and updated. I have understood the above declaration & consent and I have provided the above voluntarily.

Yours sincerely

For VIVRITI CAPITAL (Legal Name: Hari and Company Investments Madras Limited and formerly Hari and Company Investments Madras Private Limited)	Applied, Accepted, Authenticated, Signed and Delivered by the Lender through electronic form.
For Respo Financial Capital Private Limited	Applied, Accepted, Authenticated, Signed and Delivered by the Lender through electronic form.