The Self Help Group Loan Agreement Form is a crucial document in India's microfinance ecosystem, designed to facilitate formal credit access for grassroots community groups. This agreement is specifically used when a registered Self Help Group seeks to borrow funds from a financial institution for various income-generating activities or group enterprises. The document encompasses essential elements required by Indian banking regulations, NABARD guidelines, and state-specific SHG laws, including group member details, loan terms, collective responsibility clauses, and repayment mechanisms. It serves as both a legal instrument and an operational guide, reflecting the unique characteristics of group-based lending in the Indian context, while ensuring protection for both the lender and the borrowing group.
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1. Parties: Identification of the lending institution and the Self Help Group, including registration details and primary office/meeting location
2. Background: Brief history of the SHG, its formation date, registration details, and purpose of taking the loan
3. Definitions: Key terms used in the agreement including 'Self Help Group', 'Members', 'Loan Amount', 'Interest Rate', 'Repayment Schedule', etc.
4. Loan Details: Specific details of the loan including principal amount, interest rate, tenure, and purpose
5. Repayment Terms: Schedule of repayments, payment methods, and consequences of default
6. Group Liability: Joint and several liability of all SHG members for the loan
7. Rights and Obligations: Duties and responsibilities of both the lending institution and the SHG
8. Default and Remedies: Events constituting default and available remedial actions
9. Representations and Warranties: Declarations by the SHG regarding its status, capacity, and authority
10. Term and Termination: Duration of the agreement and conditions for early termination
11. Governing Law and Jurisdiction: Applicable law and courts having jurisdiction over disputes
1. Insurance Provisions: Required when loan includes mandatory insurance coverage for members or assets
2. Security/Collateral: Include when any security or collateral is being provided for the loan
3. Digital Payment Terms: Required when digital/electronic payment methods are being used for disbursement or repayment
4. Training and Capacity Building: Include when the loan agreement includes mandatory training or skill development programs
5. Asset Purchase Terms: Required when loan is specifically for asset purchase with specific conditions
1. Schedule A - Member List: Complete list of all SHG members with their details and signatures/thumb impressions
2. Schedule B - Repayment Schedule: Detailed month-wise repayment schedule with installment amounts
3. Schedule C - Group Resolution: Copy of group resolution authorizing loan application and designated signatories
4. Schedule D - Rules of Operation: Internal rules and regulations of the SHG regarding loan management
5. Appendix 1 - KYC Documents: Copies of required KYC documents of authorized signatories
6. Appendix 2 - Bank Account Details: SHG's bank account details for loan disbursement and repayment
Authors
Relevant legal definitions
Clauses
Relevant Industries
Microfinance
Rural Development
Agriculture
Small Business
Women Empowerment
Financial Services
Social Enterprise
Community Development
Cottage Industries
Rural Banking
Relevant Teams
Legal
Rural Banking
Microfinance Operations
Credit Risk Assessment
Documentation
Compliance
Community Development
Financial Inclusion
Loan Processing
Rural Development
Relevant Roles
Microfinance Officer
Rural Banking Manager
SHG Development Officer
Credit Manager
Financial Inclusion Officer
Rural Branch Manager
Legal Compliance Officer
Community Development Officer
Loan Officer
Risk Assessment Manager
Documentation Specialist
Financial Literacy Trainer
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