A Registered Promissory Note is commonly used in India when parties need to document a loan or debt obligation with enhanced legal protection. Unlike a regular promissory note, this version is registered with the Sub-Registrar's office, providing additional security and evidentiary value. The document is particularly useful for high-value transactions or when parties want to ensure maximum legal enforceability. It must comply with the Negotiable Instruments Act, 1881, the Registration Act, 1908, and the Indian Stamp Act, 1899. The registration process involves payment of stamp duty and registration fees, and the document must be executed in the presence of witnesses and a registration authority.
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1. Place and Date: Specifies the place of execution and date of the promissory note, which is crucial for determining jurisdiction and limitation period
2. Parties Details: Full names, addresses, and descriptions of the maker (promisor) and the payee (promisee)
3. Promise to Pay: Clear, unconditional undertaking to pay a specific sum of money
4. Amount Details: The principal amount in both figures and words to avoid any ambiguity
5. Payment Terms: Specifies when and how the payment will be made, including due date and payment method
6. Interest Rate: Clear statement of the applicable interest rate and calculation method
7. Execution: Signature clause with revenue stamp and witness details
1. Security Provisions: Include when the promissory note is secured by any assets or guarantees
2. Default Provisions: Specific consequences and remedies in case of default in payment
3. Prepayment Clause: Include if early payment is allowed and under what terms
4. Co-signers/Guarantors: Include when there are additional parties guaranteeing the payment
5. Notice Provisions: Include when specific notice requirements need to be detailed
6. Jurisdiction Clause: Include when parties want to specify a particular court's jurisdiction
1. Payment Schedule: Detailed breakdown of installment amounts and due dates if payment is to be made in installments
2. Security Details: Detailed description of any security or collateral provided
3. Interest Calculation: Detailed method of interest calculation if complex interest terms apply
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