The Corporate Loan Agreement is a fundamental financing document used when a company seeks to obtain debt financing from a bank or financial institution in India. It is typically used for general corporate purposes, working capital, capital expenditure, or specific project financing. The agreement must comply with Indian banking regulations, including RBI guidelines, the Banking Regulation Act, and the Companies Act, 2013. It contains detailed provisions covering the entire lending relationship, from drawdown to repayment, and includes necessary safeguards for both lender and borrower. The document requires careful consideration of Indian security creation and registration requirements, stamp duty implications, and enforcement mechanisms available under Indian law.
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1. Parties: Identifies the lender(s) and borrower(s) with full legal names and addresses
2. Background: Recitals explaining the purpose of the loan and basic transaction structure
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and availability period
5. Conditions Precedent: Conditions that must be satisfied before loan drawdown
6. Drawdown: Mechanics and process for requesting and making loan disbursements
7. Interest: Interest rate, calculation method, payment dates, and default interest
8. Repayment: Terms of loan repayment including schedule, prepayment provisions
9. Representations and Warranties: Borrower's statements about its legal and financial condition
10. Information Undertakings: Borrower's obligations to provide financial and other information
11. Financial Covenants: Financial ratios and metrics the borrower must maintain
12. General Undertakings: Positive and negative covenants governing borrower's operations
13. Events of Default: Circumstances that allow the lender to accelerate the loan
14. Changes to Parties: Provisions regarding assignment and transfer rights
15. Payment Mechanics: Details of payment processes, timing, and currency
16. Costs and Expenses: Allocation of transaction costs and ongoing expenses
17. Notices: Communication procedures between parties
18. Governing Law and Jurisdiction: Choice of law and dispute resolution provisions
1. Security: Required if the loan is secured - details security structure and enforcement
2. Guarantee: Include if there are corporate or personal guarantees for the loan
3. Agent and Trust Provisions: Required for syndicated loans with multiple lenders
4. Set-off Rights: Optional provisions allowing lender to set off debt against borrower's accounts
5. Increased Costs and Tax Gross-up: Protection for lender against regulatory changes and tax implications
6. Market Disruption: Required for floating rate loans to address market disruption events
7. Anti-corruption and Sanctions: Required for international loans or when dealing with regulated lenders
8. Green Loan Provisions: Include if the facility is structured as a green or sustainable loan
1. Conditions Precedent Documents: List of required documents for initial drawdown and subsequent utilizations
2. Form of Drawdown Request: Template for borrower to request loan disbursements
3. Repayment Schedule: Detailed schedule of repayment dates and amounts
4. Form of Compliance Certificate: Template for periodic compliance reporting
5. Financial Covenants Calculations: Detailed methodology for calculating financial covenants
6. Security Documents: List and copies of all security documentation
7. Existing Indebtedness: Details of borrower's existing debt obligations
8. Required Insurance: Specifications of required insurance coverage
9. Form of Transfer Certificate: Template for transferring loan participations
10. Contact Details: Detailed contact information for all parties
Relevant legal definitions
Affiliate
Agreement
Applicable Law
Authorized Officer
Availability Period
Banking Day
Board Resolution
Borrower
Business Day
Change of Control
Charged Assets
Commitment
Compliance Certificate
Conditions Precedent
Constitutional Documents
Control
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
EBITDA
Encumbrance
Event of Default
Facility
Facility Amount
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Guarantor
Increased Costs
Interest Payment Date
Interest Period
Interest Rate
Lender
MCLR
Material Adverse Effect
Permitted Security
Potential Event of Default
Project
Quarter
RBI
Reference Banks
Repayment Date
Repayment Installment
Repayment Schedule
Sanctioned Person
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Total Assets
Transaction Documents
Utilization
Working Capital
Agreement
Applicable Law
Authorized Officer
Availability Period
Banking Day
Board Resolution
Borrower
Business Day
Change of Control
Charged Assets
Commitment
Compliance Certificate
Conditions Precedent
Constitutional Documents
Control
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
EBITDA
Encumbrance
Event of Default
Facility
Facility Amount
Final Maturity Date
Finance Documents
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Guarantor
Increased Costs
Interest Payment Date
Interest Period
Interest Rate
Lender
MCLR
Material Adverse Effect
Permitted Security
Potential Event of Default
Project
Quarter
RBI
Reference Banks
Repayment Date
Repayment Installment
Repayment Schedule
Sanctioned Person
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Total Assets
Transaction Documents
Utilization
Working Capital
Clauses
Interpretation
Definitions
Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Covenants
Financial Covenants
General Undertakings
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Tax Gross-up
Increased Costs
Mitigation
Payment Mechanics
Anti-corruption
Sanctions Compliance
Confidentiality
Data Protection
Notices
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Force Majeure
Term and Termination
Definitions
Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Representations and Warranties
Information Covenants
Financial Covenants
General Undertakings
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Tax Gross-up
Increased Costs
Mitigation
Payment Mechanics
Anti-corruption
Sanctions Compliance
Confidentiality
Data Protection
Notices
Amendments and Waivers
Severability
Counterparts
Governing Law
Dispute Resolution
Force Majeure
Term and Termination
Relevant Industries
Banking and Financial Services
Manufacturing
Real Estate and Construction
Information Technology
Healthcare
Retail and Consumer Goods
Infrastructure
Energy and Utilities
Telecommunications
Automotive
Agriculture and Food Processing
Pharmaceuticals
Mining and Metals
Logistics and Transportation
Education
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Company Secretarial
Board of Directors
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Company Secretary
Relationship Manager
Credit Risk Manager
Compliance Officer
Financial Controller
Managing Director
Chief Executive Officer
Risk Officer
Finance Manager
Legal Manager
Corporate Banking Officer
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