This may be a complete red herring, but bearing in mind that on Herbert's military record he was in India 15 Dec 1902 to 15 Feb 1906, there is this birth
"India Births and Baptisms, 1786-1947," database, FamilySearch (
https://familysearch.org/ark:/61903/1:1:FGWW-CZH : 8 December 2014), H. R. Croft in entry for Margaret Mary Croft, 17 Sep 1905; citing , reference ; FHL microfilm 527,529.
Margaret Mary Croft, B. 02 Jul 1905, Bpt 17 Sep 1905. Thonze, Bengal, India.
Father: H R Croft (Possible mistrancription of H N Croft??)
Mother: Helene
Ellen