A Debt Financing Agreement is a fundamental document used in lending transactions within the Indian financial market. This agreement is essential when a lender (typically a bank or financial institution) provides debt financing to a borrower (corporate entity or individual) under Indian law. The document comprehensively covers the lending relationship, including facility terms, security arrangements, representations, covenants, and default provisions. It ensures compliance with Indian banking regulations, particularly the Banking Regulation Act, 1949, and Reserve Bank of India guidelines. The agreement becomes especially critical in secured lending transactions where assets are pledged as collateral, requiring compliance with the SARFAESI Act and registration requirements. The document's structure and content are designed to protect the interests of all parties while ensuring enforceability under Indian law.
Your data doesn't train Genie's AI
You keep IP ownership of your information
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
OR
Let Ƶ's market-leading legal AI identify missing terms, unusual language, compliance issues and more - in just seconds.
1. Parties: Identifies and provides details of the lender(s) and borrower(s), including their legal status and registered addresses
2. Background: Sets out the context of the financing arrangement and purpose of the loan
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes rules of interpretation
4. Facility Details: Specifies the amount, purpose, and type of facility being provided
5. Conditions Precedent: Lists the conditions that must be satisfied before the facility becomes available
6. Drawdown Mechanics: Details the process and requirements for drawing down the facility
7. Interest and Fees: Specifies interest rates, calculation methods, and all applicable fees
8. Repayment Terms: Sets out the repayment schedule, prepayment provisions, and payment mechanics
9. Representations and Warranties: Contains statements of fact and assurances given by the borrower
10. Covenants: Details positive and negative obligations of the borrower during the facility period
11. Events of Default: Lists circumstances that constitute default and their consequences
12. Remedies: Outlines the lender's rights and remedies upon occurrence of an event of default
13. Indemnities: Sets out the borrower's indemnification obligations
14. Changes to Parties: Addresses assignment and transfer provisions
15. Notices: Specifies how formal communications between parties should be made
16. Governing Law and Jurisdiction: Specifies Indian law as governing law and establishes jurisdiction for disputes
1. Security: Required only for secured facilities - details the security package and enforcement rights
2. Guarantee: Required when there are guarantors providing support for the borrower's obligations
3. Syndication Provisions: Required for syndicated facilities with multiple lenders
4. Agency Provisions: Required when there is a facility agent or security agent involved
5. Intercreditor Provisions: Required when there are multiple classes of creditors
6. Currency Provisions: Required for facilities involving foreign currency or multiple currencies
7. Tax Provisions: Detailed tax clauses required for complex structures or cross-border elements
8. Insurance: Detailed insurance requirements for secured facilities where assets need to be insured
1. Facility Details Schedule: Detailed terms of the facility including amounts, interest rates, and fees
2. Conditions Precedent Schedule: Comprehensive list of required documents and conditions
3. Form of Drawdown Notice: Template for borrower to request drawdown of the facility
4. Repayment Schedule: Detailed amortization schedule if applicable
5. Security Details: Description of security assets and perfection requirements
6. Form of Compliance Certificate: Template for periodic confirmation of compliance with covenants
7. Permitted Security: List of security interests permitted to exist over borrower's assets
8. Form of Transfer Certificate: Template for transferring loan participations
9. Financial Covenants Schedule: Detailed financial covenants and calculation methodologies
10. Contact Details: List of authorized representatives and contact information for all parties
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Manufacturing
Real Estate
Infrastructure
Technology
Healthcare
Retail
Energy
Transportation
Telecommunications
Agriculture
Education
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Operations
Company Secretarial
Transaction Banking
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Relationship Manager
Investment Banker
Company Secretary
Financial Controller
Banking Operations Manager
Loan Officer
Security Trustee
Find the exact document you need
Pre Contract Agreement Car (Finance)
An Indian law-governed preliminary agreement setting out the framework and conditions for a potential car financing arrangement between a lender and prospective borrower.
find out more
Mortgage Servicing Agreement
An agreement governing mortgage servicing operations in India, establishing the relationship between lenders and servicers under Indian banking laws.
find out more
Letter For Lending Money To Someone
An Indian law-compliant letter document that formalizes a money lending arrangement between parties, detailing loan terms and conditions.
find out more
Lending Money Letter
A formal Indian law-compliant document establishing loan terms between parties, including amount, interest, and repayment conditions.
find out more
Lending Form
An Indian law-compliant lending form that documents loan agreements between lenders and borrowers, incorporating key regulatory requirements and transaction terms.
find out more
Hardware Loan Agreement
An Indian law-governed agreement establishing terms for temporary hardware loans between parties, including usage conditions, maintenance requirements, and return specifications.
find out more
Borrow Agreement Form
An Indian law-governed agreement establishing terms and conditions for borrowing arrangements, including loan amount, interest rates, and repayment terms.
find out more
Business Loan Broker Agreement
An Indian law-governed agreement establishing terms for loan broking services between a financial intermediary and a business client, including service scope and regulatory compliance requirements.
find out more
Borrowing Money Letter
A formal letter document governed by Indian law that establishes loan terms between borrower and lender, serving as a legally binding record of the borrowing arrangement.
find out more
Unsecured Personal Loan Agreement
An Indian law-governed agreement for unsecured personal loans, establishing loan terms and parties' obligations without requiring collateral.
find out more
Two Wheeler Loan Agreement
An Indian law-governed agreement establishing terms and conditions for two-wheeler vehicle financing, including loan details, security arrangements, and party obligations.
find out more
Term Loan Facility Agreement
An Indian law-governed agreement setting out terms and conditions for a term loan facility, including loan amount, interest, repayment, and security arrangements.
find out more
Syndicated Facility Agreement
An Indian law-governed agreement establishing terms for a loan provided by multiple lenders (syndicate) to a borrower, detailing facility terms and regulatory compliance requirements.
find out more
Simple Mortgage Deed Draft
An Indian legal document creating a charge on immovable property as security for a loan, governed by the Transfer of Property Act, 1882.
find out more
Simple Mortgage Agreement
An Indian legal document creating a security interest in real property as loan collateral, governed by the Transfer of Property Act, 1882.
find out more
Simple Loan Agreement Form
An Indian law-governed agreement establishing terms and conditions between lender and borrower for a basic loan transaction.
find out more
Self Help Group Loan Agreement Form
An Indian jurisdiction agreement establishing loan terms between a financial institution and a Self Help Group, incorporating group liability and microfinance regulations.
find out more
Private Loan Agreement For (Real Estate)
An Indian law-governed agreement establishing terms and conditions for private lending secured against real estate property, including loan terms, security arrangements, and enforcement mechanisms.
find out more
Peer To Peer Lending Agreement
An RBI-compliant agreement governing peer-to-peer lending transactions in India, establishing terms between lender and borrower through a regulated P2P platform.
find out more
Personal Loan Letter
An Indian-law governed letter documenting personal loan terms between parties, including loan amount, interest, repayment schedule, and obligations.
find out more
Personal Loan Contract Form
An Indian law-governed contract template establishing terms and conditions for personal loans between financial institutions and individual borrowers.
find out more
Personal Loan Agreement Document
An Indian law-governed agreement documenting terms and conditions of a personal loan between lender and borrower, including loan amount, interest, repayment terms, and legal obligations.
find out more
Personal Loan Agreement Contract
An Indian law-governed agreement establishing terms and conditions for a personal loan between a lender and borrower, including loan amount, interest, and repayment terms.
find out more
Personal Line Of Credit Agreement
An Indian law-governed agreement establishing a personal line of credit facility between a financial institution and an individual borrower, setting out terms for revolving credit access.
find out more
Small Loan Contract
An Indian law-governed agreement establishing terms and conditions for a small-scale loan between lender and borrower, including loan amount, interest rates, and repayment terms.
find out more
Small Loan Agreement
An Indian law-compliant agreement for documenting small-scale lending arrangements, specifying loan terms, repayment conditions, and security provisions.
find out more
Pro Forma Loan Agreement
A standard-form loan agreement template compliant with Indian law and banking regulations, establishing terms for lending transactions.
find out more
Loan Car Form
An Indian-compliant legal document establishing terms and conditions for temporary vehicle loans between parties, adhering to Indian motor vehicle and contract laws.
find out more
Mortgage Subordination Agreement
An Indian law-governed agreement that establishes priority between multiple mortgages on a property, where one mortgage holder agrees to subordinate their security interest to another.
find out more
Family Member Promissory Note
An Indian-law governed promissory note formalizing loan agreements between family members, establishing legally binding terms while preserving familial relationships.
find out more
Vendor Finance Loan Agreement
An Indian law-governed agreement establishing terms for vendor financing, including loan details, security arrangements, and party obligations.
find out more
Employee Computer Loan Agreement
An Indian law-governed agreement establishing terms for employer-provided computer equipment loans to employees, including repayment and usage conditions.
find out more
Acknowledgement Of Debt Agreement
An Indian law-governed agreement formally recognizing a debt obligation between parties, including repayment terms and interest calculations.
find out more
Balloon Loan Agreement
An Indian law-governed loan agreement featuring smaller periodic payments with a large final balloon payment, structured under Indian banking and contract laws.
find out more
Loan Agreement Between Companies
An Indian law-governed agreement establishing terms and conditions for an inter-company loan, including loan amount, interest, repayment terms, and parties' obligations.
find out more
Inter Lender Agreement
An Indian law-governed agreement establishing rights and relationships between multiple lenders in a financing arrangement, compliant with Indian banking regulations.
find out more
Overagreement
An Indian law-governed master agreement establishing framework terms for ongoing business relationships and future specific transactions.
find out more
Litigation Financing Agreement
An Indian law-governed agreement establishing terms for third-party funding of legal proceedings, including funding commitments, returns, and control mechanisms.
find out more
Credit Terms Agreement
An India-governed agreement establishing credit facility terms between lender and borrower, compliant with Indian banking regulations and enforcement mechanisms.
find out more
Subordinated Loan Agreement
An Indian law-governed agreement establishing a subordinated loan facility where the lender's claims are contractually subordinate to senior debt obligations.
find out more
ұԾ’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; ұԾ’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)