"I hereby apply for loan with aforesaid details from M/s Home Credit India Finance Private Limited, ("HCIN"). For this purpose, I hereby undertake and confirm that:

1. I hereby confirm that I am a citizen of India and competent to give this declaration/ undertaking and to execute and submit this Application Form and all other documents for the purpose of availing loan, creation of security and representing generally for all the purposes mentioned/required to be done for these presents.
2. I confirm that all the particulars and information given in the application form and otherwise in writing or over the Contact Options by me, are true, correct and complete and no information has been withheld/suppressed.
3. I confirm that I am submitting this application form after having read and fully understood the Privacy Policy & Interest Rate Policy (as amended from time to time) of HCIN as well as the terms and conditions of availing loan from HCIN, including those provided in the General Terms and Conditions for obtaining Personal Loan and POS loan from HCIN registered with the Sub-Registrar of Assurances at Gurgaon (Haryana) under Deed of Declaration having Registration No. 23050 dated 18.12.2015 ("GTC"). I acknowledge that HCIN shall be entitled to reject my application without assigning any reason.
4. I have no insolvency proceedings against me nor have I ever been adjudicated insolvent. I confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or pending against me. There is no restriction on me in respect of availing the loan from HCIN and no person's consent is required by me for availing the loan from HCIN. Further, I undertake and confirm that loan amount shall not be used for purposes of gambling, lottery, races, for purchase of gold in any form, gold bullion, gold jewellery, gold coins, units of Exchange Traded Funds (ETF) and units of gold mutual fund, or for any purpose prohibited by RBI/ other regulatory body from time to time or any other illegal purposes of similar nature. I confirm that I have been informed that the loan would be subject to Pre-payment Penalties and other charges.
5. I understand that HCIN offers different interest rate to the different borrowers based on loan amount, tenor, down payment, payment history with HCIN, credit score provided by credit information companies, borrower's age, income, type of documents provided by the borrower and any other information as may be required for the purpose of credit evaluation and I agree to abide by such rationale. HCIN has confirmed that any changes in the rate of interest and fee/ charges shall take effect only prospectively. I further confirm that HCIN shall be entitled to categorise me under High, Low, Medium or any other risk category based on the aforementioned factors and the loan performance.