1. Security Provisions: Required when the loan is secured by any collateral or guarantee

2. Insurance Requirements: Needed when insurance coverage is mandatory for the loan

3. Electronic Transaction Terms: Required for digitally executed agreements or when payments are made electronically

4. Prepayment Terms: Include when early repayment is allowed, specifying any prepayment penalties

5. Co-borrower Provisions: Required when there are multiple borrowers

6. Assignment and Transfer: Include when either party may need to transfer their rights or obligations

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

8. Amendment Procedures: Include when parties want specific procedures for modifying the agreement

1. Schedule 1 - Loan Amortization Schedule: Detailed breakdown of repayment installments showing principal and interest components

2. Schedule 2 - KYC Documents: List of identity and address proof documents provided by both parties

3. Schedule 3 - Fee Schedule: Detailed breakdown of all applicable fees and charges

4. Schedule 4 - Payment Instructions: Bank account details and payment methods

5. Appendix A - Borrower's Financial Information: Summary of borrower's income, expenses, and existing financial obligations

6. Appendix B - Default Notice Format: Template for formal notice in case of default

7. Appendix C - Loan Application Form: Copy of the original loan application with declarations

8. Appendix D - Terms of Use of P2P Platform: If applicable, the platform's terms that are incorporated into the agreement