HOME LOAN APPLICATION FORM

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1 HOME LOAN APPLICATION FORM Application No. Branch Code Associate Code Loan for Construction Purchase Renovation Improvement Takeover Plot Mortgage The Branch Head / Manager IDBI BANK LTD. I/We request that a loan of (Rupees only) may be granted to me against the security of mortgage of property and such other securities as may be required by the Bank. Necessary particulars for consideration of this application are given below : INSTRUCTIONS (Please read carefully) APPLICANT CO-APPLICANT Please write or type in BLOCK LETTERS All details must be filled in. If not applicable please write N. A. In order to ensure faster processing, applicants should ensure that the application is complete in every respect and all the required documents are submitted with this application. Please take photocopies of all documents that are submitted to idbi bank ltd. (Including this application form) for your personal record. idbi bank ltd. reserves the right to reject any application at any stage without assigning any reason. Personal and Employment Details APPLICANT CO-APPLICANT Name Mr. Mrs. Ms. Mr. Mrs. Ms. First Name : First Name : Middle Name : Middle Name : Surname : Surname : Relationship with applicant Date of Birth / / (dd/mm/yy) Age: / / (dd/mm/yy) Age: Marital Status Single Married Other Single Married Other Current Residental Same as applicant Owned Company Provided Owned Company Provided Rented Family / Others Rented Family / Others Phone No. (R) (Mb) (R) (Mb) ID No. of Direct Dependents Children Other Children Other Qualification Graduate PostGraduate Other Graduate PostGraduate Other Occupation Employed Professional Business Employed Professional Business Name of Employer / Business Office (Present) Office Phone No. Ext Fax Ext Fax Designation Department Emp. No. Emp. No. No. of years in present service Yrs. Months Yrs. Months Years to Retirement Yrs. Years to Retirement Yrs. Previous Employment/Business details (if less than two years in current Employment / Business) Code Tel Code Tel Total Work Experience

2 Financial Details APPLICANT CO-APPLICANT INCOME VALUE VALUE Gross Monthly Income Net Monthly take Home Other Income (specify sources) Average monthly expenses Monthly Installments you can pay ASSETS 1. Property and other Assets 2. Motor Vehicles 3. Fixed Deposit (if any) 4. Current balance in PPF 5. Current balance in PF (Your Share) 6. Other Investments (Bonds/Securities) 7. Sum assured of LIC Policy LIABILITIES : Name & address of Balance Balance Balance Balance Balance Balance institution from whom loan has Outstanding Term Repayment Outstanding Term Repayment been availed with purpose of loan () (Months) () () (Months) () Total Liabilities BANK ACCOUNT DETAILS* (Preferable Salary Credit A/c. if more than one A/c.) Name of Account Holder Name of Bank Branch Current/ Account No. (s) Operations Avg. Bal. Saving A/c. for (yrs.) () 3. (If you have A/c. in IDBI Bank please furnish the details) Funding Details ESTIMATED REQUIREMENT OF FUNDS ESTIMATED SOURCES OF FUNDS Cost Purchase price (agreement value) / Construction Cost / Land Cost / Extention Cost / Improvement Cost (Please strike out whatever is not applicable) In case of Purchase, also specify, Registration Cost Stamp Duty Amount already paid Balance amount required Sources for balance requirements : IDBI Bank Loan Savings from banks PF refundable / non-refundable Disposal of investments / assets Other (specify) Total Funds Required Total

3 1. 2. Details of Credit Cards Applicant Co-applicant Name of the Issuer Credit Card Number / C.C. Limit Credit Card Number / C.C. Limit Loan Details Loan amount sought : Term of Loan : Years Payment Method (Please select the mode of repayment convenient to you) PDC Deduction from Salary Standing Instructions Details of Property (to be purchased / constructed / extended / improved) Property address Area of Land Area of Flat Property Type Freehold Leasehold Nearest Landmark Ownership Type Sole Joint Present Owner Stage of Construction Completed Under Construction Proposed Owners Name : If under construction : Expected date of possession Name 1 : Percentage of work completed Name 2 : Details of Guarantor Name of Guarantor : Mr. Mrs. Ms. Guarantor Employer/Business Details Name Gross Income P.A. : Details of References Reference 1 Reference 2 Name Name Occupation Tel. No. Mobile No. Occupation Tel. No. Mobile No.

4 Declaration: I/We declare that all the particulars and information given in the application form are true, correct and complete and updated in all respects and I/We have not withheld any information and that they shall form the basis of any loan on idbi bank ltd. may decide to grant me/us. I/We confirm that there are no insolvency proceedings against me/us nor have I/We ever been adjudicated insolvent and further confirm that I/We have read the brochure, terms and conditions applicable to this loan and understood the contents. I/We understand and agree that the processing fees and administrative fees are non refundable and my/our application being rejected by the Company for any reason whatsoever, or the same being withdrawn by me, I/We shall not be entitled for refund of the same either in part or in full. I am/we are aware that the repayments are by way of Equated Monthly Installments (EMIs) comprising principal and interest and are calculated on the basis of monthly interests. I/We also undertake to authorise my/our employer(s) to deduct EMIs from my/our salary and remit the same to idbi bank ltd. directly every month. I/We also undertake to inform idbi bank ltd. regarding change in my/our occupation/employment and to provide any further information that the company may require. I/We further agree that my/our loan shall be governed by the terms and conditions of idbi bank ltd. that are in force and may be amended by the company from time to time. I/We shall not hold idbi bank ltd. responsible for the quality of construction, delay in completion of construction, change in specifications and delivery of the property for which the loan is applied for. I/We further agree that the Company in its sole discretion may reject my application without providing any reasons, and that I/We reserve no right to appeal against this decision of the company. I/We confirm having read the terms and conditions governing the loans from idbi bank ltd. I am/we are applying for a loan to acquire the property for own use and not for speculative purpose. I am/we are citizen(s) of India. I/We shall advise you in writing of any change in my/our resident status. I/We have read, understood and acknowledge and agree that idbi bank ltd. may refer my/our name to credit referencing agency/ies and/or make such references and enquiries as the company may consider necessary. I/We hereby authorize to disclose such information relating to my/our credit facility to such parties as deemed necessary at the sole discretion of the Company. Further, I/We have read, understood, acknowledge and agree that a request and demand from any authority under the statutory law will be mandatorily complied with by the company. Credit facility applied for. Rate of Interest- % p.a. Fixed or Floating Manner of Charging Interest (Monthly/Quarterly/H.yrly/Annual rest) Additional & Penal interest rates % p.a. Processing Fees & Other Charges. Pre payment options available. Nil if paid from own sources else 2% of Loan Outstanding if paid from other loan. Signature of Applicant Date: / / Signature of Co-applicant Date: / / List of Documents Required (Personal) : Salaried Individuals Professionals Businessmen Age Proof school leaving certificate Same Same (Any one document) passport, driving license votes card, birth certificate LIC policy Identity Proof photograph and any one of the following : Same Same passport, driving license pan card photocredit card (with embossed signature) & last two months statements bankers sign verification Proof passport/telephone bill/electricity bill/title deed of Same Same property/rental agreement/driving license/election id card/photo credit card (with last 2 month statements) Income Proof last 1 years Form - 16/IT returns for last 2 years last 2 years Profit & Same supported by Loss A/C and Balance Sheet with all Schedules appointment letter / employer certificate / latest salary slip Banking history last 6 months bank statements Same Same IDBI Bank/Home Loan Applications/PH/10-03

5 POWER OF ATTORNEY KNOW YE ALL MEN BY THESE PRESENTS THAT I/we -DO HEREBY APPOINT AND CONSTITUTE-mr/mrs- - son/daughter of (hereinafter called"attorney" who has subscroibed his/her signature hereunder in token of identifoication) and at present residing at -to be my lawful attorney and to do any one or all of the following acts,deeds and things,namely: 1 To apply for a loans under the various schemes of the IDBI BANK LIMITED (the "bank")as also any further or additional loans to the bank for such amount as the attorney may deem fit and for that purpose to pay the upfront proceesinbg and other charges sign the loan applications in my name on my behalf ant to furnish all details and information required by the bank and to give letter,clarification or any other writing required or necessary for availing of the said loans from the bank and from time to time to follow up the said loan applications and do such other things and deeds as may be necessary in relation thereto 2 To accept the loan sanction letters and sign the acceptances thereof in of my acceptance of the terms and conditions therin contained and to pay on my behalf any other charges in respect of the said loans 3 To receive the disbursement of the said loans and for that part purpose give effectual discharge and give all the necessarinformation and documents to assistthe technical and legal apparisal of the property/ies purchased with the help of the loan/s 4 To mortgages any property/ies he/she purchase on my behalf or which io might hav e purchased (whether with or without the Banks financial assitance)with the bank and for said purpose deposit the title deeds pertaining to the said property with the bank as security for the repayment of the loans granted /to be granted /by the Bank to me. 5 He/She is further authorised to make any other statements necessary to create equitable mortgage by deposit of title deeds and also to execute any writing, undertaking,indeminities,etc on my behalf in respect of mortgage of the the said property/ies 6 He/She is also authorised to execute promissory notes,tri-patite agreement or such other documents as may be required by the Bank in respect of the said loan/s 7 To accept any change or modification in the loan amount/s rate/s of interest, period of repayment of loan/s or any other terms and and conditions in relation to the loan/s at any time or from time to time 8 He/She is also authorised to pledge with the Bank any share certificates, debentures,bonds,unit issued by Unit Trust of india, National Saving Certificates, fixed deposits or any other security owned by me in favour of the Bank by way of security for the said loans and to said any documents, transfer forms or papers that may be required by the Bank in accordance therewith.

6 9 To acknowledge my liability/debt in respect of the loan/s. 10 To book a flat/s residentials units on my behalf either directly or through the agency of the Bank and to execute agreement/s for sale for the same with builder/seller and make payments to him therefore and to present agreemant for registration before the appropriate registrar /sub registrar of assurance or any other authority at any place or places in India as may be necessary., 11 To admit execution of the agreement/s for sale before the said Registrar/Sub registrar of assurance or any other authority as any required for the purpose. 12 To obtain possesion of the flat/s/unit/s as and when the same is ready for occupation. 13 To receive loan/s and all other documents including title documents on my behalf from the bank and execute receipt/s therefor. 14 To sign forms and documents required and papers required for the purpose of registration of co-operative housing society or limited company or an association of apartment owners and become member therof participating in all the meetings and proceedings from time to time, obtain share certificates and or other documents issued in my name and hold the same as my Attorney and obtain possesion of the flat/s 15 To open and /or operate Bank account in any Bank in India in my name both residents as well as non -resident.the account may be operated in India currency or foreign currency or foreign currency to be remitted by me time to time. 16 To delegate all or any of the powers granted herein to any sub-agent or substituted agent,including delegating these powers to the Bank He /She is authorised to do all such acts,deeds and things including signing any papers/documents as are necessary and incidental to the above AND that any act or statement or writing of may said attorney in pursuance hereto shall be deemed to be fuully authorised aqnd ratified by me. Dated at--mumbai this the TH day of Specimen signature of Attorney signature

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