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1. Parties: Identification of the lender and borrower with complete details as required under Indian law
2. Background: Context of the master agreement, relationship between parties, and purpose of the lending facility
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and rules of interpretation
4. Facility and Purpose: Details of the loan facility, maximum amount, and permitted purposes of borrowing
5. Conditions Precedent: Conditions that must be satisfied before any drawdown under the facility
6. Drawdown Mechanism: Procedures and requirements for requesting and making drawdowns under the facility
7. Interest and Fees: Interest calculation, payment terms, default interest, and applicable fees
8. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
9. Representations and Warranties: Standard and specific representations made by the borrower
10. Borrower Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences thereof
12. Security: Overview of security structure and enforcement rights
13. Assignment and Transfer: Provisions regarding transfer of rights and obligations
14. Notices: Communication procedures between parties
15. Governing Law and Jurisdiction: Choice of Indian law and jurisdiction provisions
1. Guarantee: Required when there are corporate or personal guarantors for the loan
2. Syndication Provisions: Needed for loans that may be syndicated to multiple lenders
3. Increased Costs and Tax Provisions: Detailed provisions required for large corporate loans or cross-border elements
4. Agency Provisions: Required when facility involves multiple lenders with a facility agent
5. Foreign Exchange Provisions: Needed for facilities involving foreign currency
6. Green Loan Provisions: Required for environmentally sustainable projects or green financing
7. Special Regulatory Compliance: Sector-specific provisions based on borrower's industry
1. Schedule 1 - Facility Terms: Detailed commercial terms including facility limits, interest rates, and fees
2. Schedule 2 - Conditions Precedent Documents: List of required documentation prior to first drawdown
3. Schedule 3 - Drawdown Request Form: Standard form for requesting drawdowns under the facility
4. Schedule 4 - Repayment Schedule: Detailed repayment terms and dates if applicable
5. Schedule 5 - Security Details: Comprehensive list and description of security package
6. Schedule 6 - Financial Covenants: Detailed financial ratios and calculations
7. Schedule 7 - Forms of Compliance Certificate: Standard forms for periodic compliance reporting
8. Appendix A - Know Your Customer Requirements: List of required KYC documentation as per RBI guidelines
9. Appendix B - Authorized Signatories: List of persons authorized to act on behalf of each party
Banking and Financial Services
Infrastructure
Manufacturing
Real Estate
Technology
Healthcare
Retail
Energy
Transportation
Agriculture
Telecommunications
Education
Hospitality
Construction
Mining
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Operations
Documentation
Relationship Management
Chief Financial Officer
Treasury Manager
Finance Director
Legal Counsel
Compliance Officer
Risk Manager
Credit Manager
Relationship Manager
Corporate Banking Head
Financial Controller
Company Secretary
Loan Officer
Credit Analyst
Documentation Specialist
Transaction Manager
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