1. Security Arrangements: Required when the loan is secured by any assets or guarantees

2. Insurance Requirements: Included when insurance coverage is required for secured assets or the borrower's life

3. Prepayment Provisions: Details terms for early loan repayment when prepayment is allowed

4. Guarantor Provisions: Required when a third party is guaranteeing the loan

5. Assignment and Transfer: Included when either party may need to transfer their rights under the agreement

6. Electronic Communication: Required when parties agree to use electronic means for notices and communications

7. Force Majeure: Optional clause for circumstances beyond parties' control affecting loan repayment

1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, installment amounts, and interest calculations

2. Schedule 2 - Security Details: Comprehensive description of any security/collateral provided, including valuation and maintenance requirements

3. Schedule 3 - KYC Documents: List of identity and address proof documents provided by the borrower

4. Schedule 4 - Insurance Details: Specifications of required insurance coverage, policy numbers, and terms

5. Appendix A - Standard Forms: Templates for notices, payment instructions, and other standard communications

6. Appendix B - Fee Schedule: Details of any processing fees, late payment charges, and other applicable fees