The Loan Facility Agreement serves as the primary document governing credit facilities in India, structured in compliance with Indian banking and financial services regulations. This agreement is essential when a lender (typically a bank or financial institution) provides financial accommodation to a borrower, whether for working capital, expansion, project finance, or other business purposes. The document comprehensively addresses all aspects of the lending relationship, including facility terms, security arrangements, representations, covenants, and enforcement mechanisms. It incorporates requirements under various Indian laws including the Banking Regulation Act, Indian Contract Act, and RBI guidelines, while providing necessary protections for both lender and borrower. The agreement is particularly crucial for documented compliance with regulatory requirements and creating a legally enforceable lending structure in the Indian jurisdiction.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership of your docs
1. Parties: Identification of the lender(s) and borrower(s) with their complete legal names and addresses
2. Background: Recitals explaining the context of the loan facility and the parties' intentions
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 type of facility being provided
5. Conditions Precedent: Conditions that must be satisfied before the facility can be drawn
6. Drawdown: Procedures and requirements for drawing down the loan facility
7. Interest: Interest rate, calculation method, payment periods, and default interest provisions
8. Repayment: Terms and schedule for repayment of the facility
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances that constitute default and their consequences
12. Security: Overview of security arrangements and cross-references to security documents
13. Payments: Payment mechanics, currency, and timing requirements
14. Costs and Expenses: Allocation of transaction costs and ongoing expenses
15. Notices: Communication procedures between parties
16. Assignment and Transfer: Rights and restrictions regarding transfer of rights and obligations
17. Governing Law and Jurisdiction: Applicable law and dispute resolution provisions
18. Execution: Signature blocks and execution formalities
1. Syndication Provisions: Required when multiple lenders are involved or syndication is contemplated
2. Security Trustee Provisions: Needed when security is held by a trustee on behalf of multiple lenders
3. Increased Costs: Protection for lenders against regulatory changes affecting lending costs
4. Tax Gross-up and Indemnities: Required when tax implications need specific attention or cross-border elements exist
5. Currency Indemnity: Needed for facilities involving foreign currency
6. Guarantee Provisions: Required when guarantors are involved in the facility
7. Subordination Provisions: Needed when there are multiple creditors requiring ranking of priority
8. Agency Provisions: Required when a facility agent is appointed to manage the facility
9. Set-off Rights: Optional provisions for lender's right to set off debts against accounts
10. Green Loan Provisions: Required for environmentally sustainable or green financing facilities
1. Conditions Precedent: Detailed list of documents and conditions required before drawdown
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Interest Calculation: Detailed methodology for interest calculation
5. Security Details: Comprehensive list and description of security assets and documents
6. Form of Transfer Certificate: Template for transferring loan participations
7. Financial Covenants: Detailed financial ratios and calculations
8. Authorized Signatories: List of persons authorized to act on behalf of each party
9. Properties Schedule: Details of any properties serving as security
10. Form of Compliance Certificate: Template for periodic compliance reporting
Find the exact document you need
Pre Contract Agreement Car (Finance)
An Indian law-governed preliminary agreement setting out the framework and conditions for a potential car financing arrangement between a lender and prospective borrower.
Download
Mortgage Servicing Agreement
An agreement governing mortgage servicing operations in India, establishing the relationship between lenders and servicers under Indian banking laws.
Download
Letter For Lending Money To Someone
An Indian law-compliant letter document that formalizes a money lending arrangement between parties, detailing loan terms and conditions.
Download
Lending Money Letter
A formal Indian law-compliant document establishing loan terms between parties, including amount, interest, and repayment conditions.
Download
Lending Form
An Indian law-compliant lending form that documents loan agreements between lenders and borrowers, incorporating key regulatory requirements and transaction terms.
Download
Hardware Loan Agreement
An Indian law-governed agreement establishing terms for temporary hardware loans between parties, including usage conditions, maintenance requirements, and return specifications.
Download
Borrow Agreement Form
An Indian law-governed agreement establishing terms and conditions for borrowing arrangements, including loan amount, interest rates, and repayment terms.
Download
Business Loan Broker Agreement
An Indian law-governed agreement establishing terms for loan broking services between a financial intermediary and a business client, including service scope and regulatory compliance requirements.
Download
Borrowing Money Letter
A formal letter document governed by Indian law that establishes loan terms between borrower and lender, serving as a legally binding record of the borrowing arrangement.
Download
Unsecured Personal Loan Agreement
An Indian law-governed agreement for unsecured personal loans, establishing loan terms and parties' obligations without requiring collateral.
Download
Two Wheeler Loan Agreement
An Indian law-governed agreement establishing terms and conditions for two-wheeler vehicle financing, including loan details, security arrangements, and party obligations.
Download
Term Loan Facility Agreement
An Indian law-governed agreement setting out terms and conditions for a term loan facility, including loan amount, interest, repayment, and security arrangements.
Download
Syndicated Facility Agreement
An Indian law-governed agreement establishing terms for a loan provided by multiple lenders (syndicate) to a borrower, detailing facility terms and regulatory compliance requirements.
Download
Simple Mortgage Deed Draft
An Indian legal document creating a charge on immovable property as security for a loan, governed by the Transfer of Property Act, 1882.
Download
Simple Mortgage Agreement
An Indian legal document creating a security interest in real property as loan collateral, governed by the Transfer of Property Act, 1882.
Download
Simple Loan Agreement Form
An Indian law-governed agreement establishing terms and conditions between lender and borrower for a basic loan transaction.
Download
Self Help Group Loan Agreement Form
An Indian jurisdiction agreement establishing loan terms between a financial institution and a Self Help Group, incorporating group liability and microfinance regulations.
Download
Private Loan Agreement For (Real Estate)
An Indian law-governed agreement establishing terms and conditions for private lending secured against real estate property, including loan terms, security arrangements, and enforcement mechanisms.
Download
Peer To Peer Lending Agreement
An RBI-compliant agreement governing peer-to-peer lending transactions in India, establishing terms between lender and borrower through a regulated P2P platform.
Download
Personal Loan Letter
An Indian-law governed letter documenting personal loan terms between parties, including loan amount, interest, repayment schedule, and obligations.
Download
Personal Loan Contract Form
An Indian law-governed contract template establishing terms and conditions for personal loans between financial institutions and individual borrowers.
Download
Personal Loan Agreement Document
An Indian law-governed agreement documenting terms and conditions of a personal loan between lender and borrower, including loan amount, interest, repayment terms, and legal obligations.
Download
Personal Loan Agreement Contract
An Indian law-governed agreement establishing terms and conditions for a personal loan between a lender and borrower, including loan amount, interest, and repayment terms.
Download
Personal Line Of Credit Agreement
An Indian law-governed agreement establishing a personal line of credit facility between a financial institution and an individual borrower, setting out terms for revolving credit access.
Download
Small Loan Contract
An Indian law-governed agreement establishing terms and conditions for a small-scale loan between lender and borrower, including loan amount, interest rates, and repayment terms.
Download
Small Loan Agreement
An Indian law-compliant agreement for documenting small-scale lending arrangements, specifying loan terms, repayment conditions, and security provisions.
Download
Pro Forma Loan Agreement
A standard-form loan agreement template compliant with Indian law and banking regulations, establishing terms for lending transactions.
Download
Loan Car Form
An Indian-compliant legal document establishing terms and conditions for temporary vehicle loans between parties, adhering to Indian motor vehicle and contract laws.
Download
Mortgage Subordination Agreement
An Indian law-governed agreement that establishes priority between multiple mortgages on a property, where one mortgage holder agrees to subordinate their security interest to another.
Download
Family Member Promissory Note
An Indian-law governed promissory note formalizing loan agreements between family members, establishing legally binding terms while preserving familial relationships.
Download
Vendor Finance Loan Agreement
An Indian law-governed agreement establishing terms for vendor financing, including loan details, security arrangements, and party obligations.
Download
Employee Computer Loan Agreement
An Indian law-governed agreement establishing terms for employer-provided computer equipment loans to employees, including repayment and usage conditions.
Download
Acknowledgement Of Debt Agreement
An Indian law-governed agreement formally recognizing a debt obligation between parties, including repayment terms and interest calculations.
Download
Balloon Loan Agreement
An Indian law-governed loan agreement featuring smaller periodic payments with a large final balloon payment, structured under Indian banking and contract laws.
Download
Loan Agreement Between Companies
An Indian law-governed agreement establishing terms and conditions for an inter-company loan, including loan amount, interest, repayment terms, and parties' obligations.
Download
Inter Lender Agreement
An Indian law-governed agreement establishing rights and relationships between multiple lenders in a financing arrangement, compliant with Indian banking regulations.
Download
Overagreement
An Indian law-governed master agreement establishing framework terms for ongoing business relationships and future specific transactions.
Download
Litigation Financing Agreement
An Indian law-governed agreement establishing terms for third-party funding of legal proceedings, including funding commitments, returns, and control mechanisms.
Download
Credit Terms Agreement
An India-governed agreement establishing credit facility terms between lender and borrower, compliant with Indian banking regulations and enforcement mechanisms.
Download
Subordinated Loan Agreement
An Indian law-governed agreement establishing a subordinated loan facility where the lender's claims are contractually subordinate to senior debt obligations.
Download
Genie’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; Genie’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)
.png)