The Rollover Loan Agreement is a specialized financing document used in the Indian market when parties wish to establish a loan facility that can be extended or "rolled over" for additional periods without executing a new agreement. This document is particularly useful for businesses requiring flexible financing arrangements where the loan can be continually renewed upon maturity. The agreement must comply with Indian banking regulations, RBI guidelines, and the Indian Contract Act, incorporating mandatory provisions on interest rate calculations, security creation (if applicable), and statutory compliance requirements. It's commonly used in corporate financing, project financing, and working capital arrangements, providing a structured framework for both lender and borrower to manage ongoing credit facilities while maintaining regulatory compliance.
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1. Parties: Identification of the lender and borrower with complete details
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions: Key terms used throughout the agreement including 'Rollover Period', 'Interest Rate', etc.
4. Facility Details: Loan amount, purpose, and basic terms of the facility
5. Rollover Mechanism: Specific terms and conditions for rolling over the loan, including notice requirements and conditions precedent
6. Interest and Fees: Interest rate calculation, payment dates, and applicable fees
7. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
8. Conditions Precedent: Conditions that must be satisfied before drawdown
9. Representations and Warranties: Standard declarations by the borrower about their legal and financial status
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences
12. Boilerplate Provisions: Standard clauses including notices, amendments, governing law, etc.
1. Security: Details of any security/collateral provided - include if loan is secured
2. Guarantee: Terms of any guarantee provided - include if there are guarantors
3. Insurance: Insurance requirements for secured assets - include if security is provided
4. Special Drawdown Conditions: Specific conditions for subsequent drawdowns - include for complex facilities
5. Tax Provisions: Detailed tax implications and withholding requirements - include if cross-border elements exist
6. Financial Covenants: Specific financial ratios and requirements - include for corporate borrowers
7. Change of Control: Provisions dealing with ownership changes - include for corporate borrowers
8. Assignment and Transfer: Terms for transferring the loan - include if transferability is contemplated
1. Facility Terms: Detailed terms of the loan including amounts, interest rates, and fees
2. Repayment Schedule: Detailed amortization schedule and payment dates
3. Conditions Precedent Documents: List of required documents and conditions
4. Form of Rollover Notice: Standard form for requesting loan rollover
5. Form of Drawdown Notice: Standard form for requesting drawdown
6. Security Details: Detailed description of security/collateral if applicable
7. Interest Calculation Examples: Examples showing interest calculation methodology
8. Compliance Certificate: Standard form for periodic compliance certification
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