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1. Parties: Identifies and defines the Lender and Borrower with their full legal names, addresses, and registration details
2. Background: Contextual information about the loan purpose and relationship between parties
3. Definitions: Defines key terms used throughout the agreement including Loan Amount, Interest Rate, Security, Events of Default etc
4. Loan Terms: Details of the loan amount, purpose, interest rate, tenure, and repayment schedule
5. Security/Collateral: Description of assets provided as security, their valuation, and terms of charge creation
6. Representations and Warranties: Statements of fact and assurances given by the Borrower regarding their status and the collateral
7. Covenants: Positive and negative obligations of the Borrower during the loan term
8. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
9. Events of Default: Circumstances that constitute default and trigger enforcement rights
10. Enforcement Rights: Lender's rights and remedies upon default, including security enforcement
11. Notices: Process and addresses for formal communications between parties
12. Governing Law and Jurisdiction: Specifies Indian law as governing law and relevant jurisdiction for disputes
13. Execution: Signature blocks and execution formalities
1. Guarantee: Required when a third party guarantees the loan obligations
2. Insurance: Detailed insurance requirements for the collateral, if applicable
3. Assignment and Transfer: Include if either party may need to transfer their rights or obligations
4. Electronic Execution: Required for agreements that may be executed electronically
5. Force Majeure: Optional protection against unforeseen events affecting performance
6. Additional Security: Required when multiple forms of security or future security arrangements are contemplated
7. Cross Default: Include when the borrower has other significant loans or financial obligations
8. Security Margin: Required when maintaining a specific loan-to-value ratio throughout the loan term
1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest calculations, and repayment schedule
2. Schedule 2 - Collateral Description: Detailed description and valuation of all assets provided as security
3. Schedule 3 - Conditions Precedent Documents: List of all documents required before loan disbursement
4. Schedule 4 - Form of Disbursement Request: Standard format for requesting loan disbursement
5. Schedule 5 - Security Documents: List and copies of all security creation documents
6. Schedule 6 - Insurance Requirements: Detailed insurance requirements for the collateral
7. Appendix A - Power of Attorney: Format of power of attorney for security enforcement
8. Appendix B - Compliance Certificate: Format for periodic compliance certification by Borrower
Applicable Law
Assets
Authorized Representative
Business Day
Borrower
Collateral
Conditions Precedent
Default Interest
Default Notice
Drawdown
Disbursement
Due Date
Effective Date
Encumbrance
Event of Default
Facility
Financial Indebtedness
Financial Statements
Financial Year
Force Majeure Event
Governmental Authority
Guarantee
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Payment Date
Permitted Security Interest
Principal Amount
Repayment Schedule
Representatives
Security
Security Documents
Security Interest
Security Provider
Stamp Duty
Tax
Term
Transaction Documents
Interest and Fees
Security Creation
Disbursement
Repayment
Prepayment
Security Maintenance
Representations and Warranties
Covenants
Conditions Precedent
Events of Default
Enforcement Rights
Cross Default
Security Enforcement
Assignment and Transfer
Set-off Rights
Further Assurance
Costs and Expenses
Indemnification
Force Majeure
Notices
Amendments
Severability
Confidentiality
Governing Law
Dispute Resolution
Electronic Execution
Counterparts
Entire Agreement
Insurance
Registration
Stamp Duty
Successor and Assigns
Time of Essence
Waiver
Relationship of Parties
Banking
Financial Services
Real Estate
Manufacturing
Infrastructure
Agriculture
Retail
Technology
Healthcare
Education
Construction
Transportation
Energy
Mining
Telecommunications
Legal
Finance
Risk Management
Compliance
Credit
Treasury
Operations
Documentation
Recovery
Corporate Secretarial
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Risk Manager
Credit Manager
Loan Officer
Compliance Officer
Company Secretary
Treasury Manager
Financial Controller
Security Trustee
Collateral Manager
Documentation Specialist
Recovery Officer
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