The Loan Note Agreement serves as a fundamental financing instrument in the Indian market, used to document and formalize lending arrangements between parties. It is particularly useful when structuring medium to long-term financing transactions where the loan may need to be evidenced by formal loan notes. The agreement combines elements of traditional loan documentation with specific requirements for negotiable instruments under Indian law. It can be used for various purposes including corporate financing, project funding, or asset acquisition. The document must comply with Indian banking regulations, particularly RBI guidelines on interest rates and lending practices, while also adhering to the Indian Contract Act, 1872, and other relevant legislation. The agreement typically includes comprehensive provisions on security creation, enforcement mechanisms, and regulatory compliance specific to the Indian jurisdiction.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement, purpose, and any relevant history
3. Definitions and Interpretation: Definitions of key terms and interpretation rules
4. Loan Amount and Purpose: Specification of the loan amount and permitted use of funds
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment Terms: Schedule of repayment, prepayment provisions, and payment mechanics
7. Conditions Precedent: Conditions that must be satisfied before loan disbursement
8. Representations and Warranties: Statements of fact and assurances from the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Remedies: Lender's rights and remedies upon default
12. Notices: Process and requirements for formal communications
13. Governing Law and Jurisdiction: Applicable law and courts having jurisdiction
14. General Provisions: Standard boilerplate clauses including amendments, assignments, and severability
1. Security: Details of any collateral or security - include if loan is secured
2. Guarantee: Terms of any guarantee - include if there are guarantors
3. Insurance: Insurance requirements for secured assets - include if loan is secured
4. Tax Provisions: Detailed tax implications and responsibilities - include if cross-border or complex tax structure
5. Foreign Exchange Provisions: Currency conversion and exchange risk provisions - include if multiple currencies involved
6. Assignment and Transfer: Detailed provisions for loan transfer - include if transferability is contemplated
7. Bank Accounts: Designated account details and operation - include if specific accounts are required
8. Financial Covenants: Specific financial metrics and reporting - include for corporate borrowers
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Disbursement Request: Template for requesting loan disbursement
3. Conditions Precedent Documents: List of required documents and conditions for disbursement
4. Security Details: Detailed description of security/collateral if applicable
5. Form of Compliance Certificate: Template for periodic compliance certification
6. Prohibited Activities: List of activities prohibited under the loan
7. Existing Indebtedness: Schedule of borrower's existing debt obligations
8. Form of Notice: Templates for various notices under the agreement
Relevant legal definitions
Account Bank
Additional Interest
Affiliate
Applicable Law
Applicable Margin
Authorisation
Authority
Available Commitment
Business Day
Calculation Date
Charged Assets
Commitment
Compliance Certificate
Conditions Precedent
Control
Default
Default Interest
Default Rate
Disbursement
Disbursement Date
Disbursement Request
Encumbrance
Event of Default
Facility
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Guarantor
Holding Company
IFRS
Indian GAAP
Insolvency Event
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Notes
Material Adverse Effect
Maturity Date
Note Certificate
Notice
Obligor
Outstanding Amount
Party
Permitted Security
Person
Potential Event of Default
Prepayment Amount
Principal Amount
RBI
Receiver
Relevant Jurisdiction
Repayment Date
Repayment Installment
Repayment Schedule
Representatives
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Transfer
Utilisation
Utilisation Date
Working Day
Additional Interest
Affiliate
Applicable Law
Applicable Margin
Authorisation
Authority
Available Commitment
Business Day
Calculation Date
Charged Assets
Commitment
Compliance Certificate
Conditions Precedent
Control
Default
Default Interest
Default Rate
Disbursement
Disbursement Date
Disbursement Request
Encumbrance
Event of Default
Facility
Financial Indebtedness
Financial Statements
Financial Year
Group
Guarantee
Guarantor
Holding Company
IFRS
Indian GAAP
Insolvency Event
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Notes
Material Adverse Effect
Maturity Date
Note Certificate
Notice
Obligor
Outstanding Amount
Party
Permitted Security
Person
Potential Event of Default
Prepayment Amount
Principal Amount
RBI
Receiver
Relevant Jurisdiction
Repayment Date
Repayment Installment
Repayment Schedule
Representatives
Security
Security Documents
Security Interest
Security Provider
Subsidiary
Tax
Transaction Documents
Transfer
Utilisation
Utilisation Date
Working Day
Clauses
Loan Facility
Interest
Repayment
Prepayment
Security
Conditions Precedent
Conditions Subsequent
Representations and Warranties
Information Covenants
Financial Covenants
General Covenants
Negative Pledge
Events of Default
Acceleration
Payment Mechanics
Set-off
Tax Gross-up
Increased Costs
Indemnities
Costs and Expenses
Guarantee
Assignment and Transfer
Amendments and Waivers
Confidentiality
Notices
Calculations
Partial Invalidity
Remedies and Waivers
Counterparts
Third Party Rights
Governing Law
Enforcement
Jurisdiction
Service of Process
Dispute Resolution
Force Majeure
Severability
Further Assurance
Entire Agreement
Electronic Execution
Interest
Repayment
Prepayment
Security
Conditions Precedent
Conditions Subsequent
Representations and Warranties
Information Covenants
Financial Covenants
General Covenants
Negative Pledge
Events of Default
Acceleration
Payment Mechanics
Set-off
Tax Gross-up
Increased Costs
Indemnities
Costs and Expenses
Guarantee
Assignment and Transfer
Amendments and Waivers
Confidentiality
Notices
Calculations
Partial Invalidity
Remedies and Waivers
Counterparts
Third Party Rights
Governing Law
Enforcement
Jurisdiction
Service of Process
Dispute Resolution
Force Majeure
Severability
Further Assurance
Entire Agreement
Electronic Execution
Relevant Industries
Banking
Financial Services
Real Estate
Manufacturing
Technology
Infrastructure
Healthcare
Education
Retail
Energy
Transportation
Agriculture
Construction
Telecommunications
Mining
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Finance
Banking Operations
Company Secretarial
Board
Senior Management
Investment
Loan Administration
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Investment Officer
Relationship Manager
Company Secretary
Finance Manager
Managing Director
Chief Executive Officer
Board Director
Loan Officer
Financial Controller
Banking Operations Manager
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