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1. Parties: Identifies and defines the Lender and Borrower with complete details including registration numbers, addresses
2. Background: Explains the context of the loan, including the Borrower's request and Lender's agreement to provide the balloon loan
3. Definitions and Interpretation: Defines key terms used in the agreement and rules for interpreting the document
4. Loan Amount and Purpose: Specifies the principal amount, purpose of the loan, and conditions for disbursement
5. Interest Rate and Calculations: Details the applicable interest rate, calculation method, and any adjustment mechanisms
6. Repayment Terms: Specifies regular payment schedule and the balloon payment amount, timing, and conditions
7. Security: Details the security/collateral provided for the loan
8. Representations and Warranties: Standard declarations by the Borrower about their legal status, authority, and financial condition
9. Borrower's Covenants: Ongoing obligations of the Borrower during the loan term
10. Events of Default: Lists circumstances that constitute default and trigger remedial actions
11. Consequences of Default: Details the Lender's rights and remedies upon default
12. Notices: Specifies how formal communications between parties should be made
13. Governing Law and Jurisdiction: Confirms Indian law governance and specifies jurisdiction for disputes
14. Miscellaneous: Standard boilerplate provisions including severability, amendments, and entire agreement
1. Guarantor Provisions: Required when a third party guarantees the loan, detailing guarantor's obligations and rights
2. Insurance Requirements: Needed when specific insurance coverage is required for the security or borrower
3. Pre-payment Terms: Include when early repayment is allowed, specifying any penalties or conditions
4. Security Trustee Provisions: Required in syndicated loans or when security is held by a trustee
5. Registration Requirements: Include when the agreement or security requires registration under specific Indian laws
6. Electronic Execution: Include when agreement may be executed electronically under IT Act provisions
7. Force Majeure: Optional clause dealing with unforeseen circumstances affecting loan performance
1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest rate, payment schedule, and balloon payment
2. Schedule 2 - Security Details: Comprehensive description of all security/collateral provided
3. Schedule 3 - Conditions Precedent: List of documents and conditions required before loan disbursement
4. Schedule 4 - Repayment Schedule: Detailed amortization schedule showing all payments including the balloon payment
5. Schedule 5 - Form of Disbursement Request: Standard format for requesting loan disbursement
6. Schedule 6 - Security Documents: Forms of various security documents required
7. Appendix A - Compliance Certificate: Standard format for periodic compliance reporting
8. Appendix B - Notice Details: Complete contact information for all parties for formal notices
Applicable Law
Balloon Payment
Balloon Payment Date
Banking Day
Borrower
Business Day
Conditions Precedent
Default Interest
Default Notice
Event of Default
Facility
Final Maturity Date
Financial Indebtedness
Financial Statements
Financial Year
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Outstanding Amount
Payment Date
Periodic Payment
Permitted Security
Potential Event of Default
Prepayment
Principal Amount
Repayment Date
Repayment Schedule
RBI
Security
Security Documents
Security Interest
Security Provider
Specified Assets
Tax
Transaction Documents
Recitals
Definitions
Loan Facility
Purpose
Conditions Precedent
Disbursement
Interest
Balloon Payment
Repayment
Prepayment
Security
Registration
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Events of Default
Acceleration
Set-off
Assignment
Force Majeure
Indemnification
Costs and Expenses
Notices
Amendments
Severability
Counterparts
Confidentiality
Anti-Money Laundering
Governing Law
Dispute Resolution
Electronic Execution
Entire Agreement
Banking
Financial Services
Real Estate
Manufacturing
Infrastructure
Agriculture
Healthcare
Technology
Automotive
Energy
Telecommunications
Construction
Retail
Transportation
Mining
Legal
Finance
Risk Management
Credit
Compliance
Treasury
Banking Operations
Corporate Banking
Business Development
Loan Administration
Documentation
Chief Financial Officer
Finance Director
Legal Counsel
Risk Manager
Credit Manager
Loan Officer
Corporate Banker
Compliance Officer
Treasury Manager
Financial Controller
Business Development Manager
Company Secretary
Contract Manager
Portfolio Manager
Banking Operations Manager
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