HDFC LIMITED GOPAL HOUSE,2ND FLOOR,OPP KASAT CHEMICALS KOTHRUD PUNE 411029 PH NO: 020-25453592 , 25453593 FAX:25453649 File

No: 602831581/PTS Offer Date: 08-NOV-2011

Place Of Service: KOTHRUD MR ADKAR ANAND JANARDHAN P.O. BOX NO.: 0 MANGAF BLOCK 4 STREET 25 BLDG 87 FLAT 16 KUWAIT KUWAIT CITY MRS KASHID REENA ANANTH Dear Sir/Madam,

We are pleased to inform you that we have in principle, approved a HOUSING LOAN as per the terms and conditions mentioned below, special conditions if any, and other conditions mentioned overleaf. Amount Approved Rate of Interest Term Repayment Terms: Rest Frequency Equated Monthly Instalment Payable in Processing Fee payable Processing Fee received Rs. 4500000 10.75% p.a. on a Variable Rate basis ** 12 Years ***

** The interest rate announced by HDFC from time to time as its Retail Prime Lending Rate (RPLR) shall be applicable to your loan with spread, if any. The current applicable rate of interest with spread, if any, is 10.75% per annum. *** This is subject to the provisions for variation thereof in terms of the loan agreement to be executed by you.

SPECIAL CONDITIONS: 1 2 The interest rates under this festive offer are subject to your availing of a disbursement on or before December 31st, 2011 Your own contribution towards the acquisition/extension of the dwelling unit i.e. the total cost less the loan amount will have to be made from direct remittances from abroad through normal banking channel and/or from your NRE or NRO account in India. As per your request, this offer is being made to you under HDFC's ADJUSTABLE RATE HOME LOAN scheme.
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Rs. Rs. 11030 11030

Monthly Rest Rs. 55747 per month *** 144 instalments ***

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The rate of interest mentioned above is based on the currently prevailing RPLR and the same may vary at the time of disbursement of the loan as well as during its pendency in terms of the said Loan Agreement. As a result of the variations in the interest rate the number of EMI's is liable to vary from time to time. You will be required to provide Electronic Clearing Service (Debit Clearing) Mandate Form duly signed by you and the Bank official of your above Bank, authorising your above Bank to debit the above mentioned account with the amount of the EMI. Repayment of the Loan in Equated Monthly Instalments (EMIs) will be from your NRE/NRO Account No. 30296634082 with STATE BANK OF INDIA , through Electronic Clearance System (Debit Clearing). Disbursement of the loan will also be subject to submission of attested copies of documents in connection with Proof of Residence and Proof of Identity as mentioned in the Application Form and HDFC finding the same satisfactory.

We will be happy to expedite disbursement of this loan and request you to appoint a Power of Attorney (your representative) in India, if not already done so. A format of the same is available on our website www.hdfc.com. We request you to contact SHRADDHA PARIPATYADAR on 25505127 at HDFC LIMITED, HDFC HOUSE, 1500- SHIVAJINAGAR, UNIVERSITY ROAD, PUNE- 411005 , TEL NO 25505000, PH NO: 020-25505000 FAX : 25536213, to complete the necessary formalities required by HDFC. We look forward to hearing from you.

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HOUSING DEVELOPMENT FINANCE CORPORATION LIMITED

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