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1. Parties: Identification of the lender (bank/financial institution) and the borrower
2. Background: Context of the credit facility and the purpose for which it is being extended
3. Definitions: Definitions of key terms used throughout the agreement
4. Credit Facility Terms: Details of the credit line including amount, purpose, duration, and interest rates
5. Bank Guarantee Requirements: Specifications of the bank guarantee including amount, issuing bank requirements, validity period, and format
6. Conditions Precedent: Conditions that must be satisfied before the credit facility becomes available
7. Drawdown Mechanics: Procedures and conditions for drawing down the credit facility
8. Interest and Fees: Detailed provisions regarding interest calculation, fees, charges and payment terms
9. Representations and Warranties: Standard and specific representations and warranties from the borrower
10. Covenants: Positive and negative covenants applicable to the borrower
11. Events of Default: Circumstances constituting default and consequences thereof
12. Enforcement Rights: Rights of the lender in case of default or breach
13. Miscellaneous: Standard boilerplate provisions including notices, amendments, governing law, etc.
1. Security Documents: Required if additional security beyond the bank guarantee is being provided
2. Insurance: Required if specific insurance coverage is mandatory for the facility
3. Special Conditions: Include when there are industry-specific or transaction-specific requirements
4. Cross-Default Provisions: Include when the borrower has other credit facilities with the same or other lenders
5. Assignment and Transfer: Include if either party needs the right to assign or transfer their rights/obligations
6. Force Majeure: Include if specific force majeure provisions are required beyond standard contract law provisions
1. Schedule 1 - Bank Guarantee Format: Prescribed format for the bank guarantee to be provided
2. Schedule 2 - Drawdown Notice Format: Format for drawdown requests under the credit facility
3. Schedule 3 - Fee Schedule: Detailed breakdown of all applicable fees and charges
4. Schedule 4 - Conditions Precedent Documents: List of all documents required before facility activation
5. Appendix A - Compliance Certificate Format: Format for periodic compliance certificates to be submitted
6. Appendix B - Financial Covenants Calculation: Methodology for calculating financial covenants
7. Appendix C - Authorized Signatories: List of authorized signatories for various operations under the facility
Availability Period
Bank Guarantee
Banking Day
Borrower
Business Day
Commitment
Conditions Precedent
Credit Facility
Credit Limit
Default
Default Interest
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility Documents
Facility Period
Financial Indebtedness
Financial Year
Guarantor Bank
Interest Payment Date
Interest Period
Interest Rate
Lender
Material Adverse Effect
Maturity Date
Outstanding Amount
Potential Default
Prepayment
Processing Fee
Purpose
RBI
Repayment Date
Repayment Schedule
Review Date
Sanction Letter
Security
Security Documents
SEBI
Subsidiary
Tax
Term
Utilization
Facility Terms
Bank Guarantee
Conditions Precedent
Drawdown
Interest
Fees and Charges
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Events of Default
Consequences of Default
Set-off
Assignment and Transfer
Indemnity
Confidentiality
Force Majeure
Notices
Amendments
Severability
Counterparts
Governing Law
Dispute Resolution
Jurisdiction
Waiver
Time of Essence
Entire Agreement
Manufacturing
Trading
Infrastructure
Real Estate
Information Technology
Telecommunications
Healthcare
Retail
Construction
Export-Import
Logistics
Energy
Mining
Agriculture
Hospitality
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit Analysis
Operations
Company Secretarial
Business Development
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Credit Manager
Risk Manager
Legal Counsel
Company Secretary
Banking Relationship Manager
Credit Analyst
Compliance Officer
Managing Director
Finance Manager
Account Manager
Project Finance Manager
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