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POWER OF ATTORNEY



        (Name of authorized official of PCHF should be written below)

        SIGNED AND DELIVERED by the
        within named Piramal Capital & Housing   For Piramal Housing Finance Limited
                                                    Capital & Housing
        Finance Limited, in its capacity as the   Finance Limited
        Lender, by the hands of  Pravin Sethe, its
        authorized official.                 Authorized Signatory




















            Note:  Stamp paper should be purchased in the borrowers name and
       the purpose should be clearly mentioned. (Stamp duty rates will be dif-
       ferent for different states.)


        *Important: Please note that the date of notary and date of execution
        of POA should be the same.















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