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Agreement

Loan Agreement

A loan agreement recording the terms on which a lender advances money to a borrower for repayment with interest.

LOAN AGREEMENT

This Agreement is made on [Date] between [Lender] and [Borrower]

  1. Parties. This Loan Agreement is executed between [Lender Name], R/o [Address] (the "Lender") and [Borrower Name], R/o [Address] (the "Borrower").
  2. Recitals. The Borrower has requested a loan and the Lender has agreed to advance the same on the terms recorded herein.
  3. Loan Amount & Consideration. The Lender shall advance a principal sum of Rs. [Amount] ([Amount in words]) to the Borrower on the Effective Date [Effective Date].
  4. Interest. The principal shall carry simple interest at [__]% per annum, computed from the date of disbursement until full repayment.
  5. Repayment & Obligations. The Borrower shall repay the loan in [__] equated monthly instalments of Rs. [Amount] each, or in one bullet payment on [Due Date], together with accrued interest.
  6. Prepayment. The Borrower may prepay the whole or part of the loan without penalty upon [__] days notice, with interest adjusted to the date of prepayment.
  7. Security. The loan is [secured by [Security/Collateral] / unsecured] and the Borrower shall not create any further charge over the said security without the Lender's consent.
  8. Representations & Warranties. The Borrower represents that it has full authority to borrow, that the loan shall be used for lawful purposes, and that no insolvency proceedings are pending against it.
  9. Confidentiality. The parties shall keep the commercial terms of this Agreement confidential save as required by law or regulatory authority.
  10. Events of Default. Non-payment of any instalment, breach of covenant, or insolvency of the Borrower shall constitute default, entitling the Lender to recall the entire outstanding with interest.
  11. Term & Termination. This Agreement remains in force until the loan with interest is fully repaid, whereupon it stands automatically discharged.
  12. Governing Law & Jurisdiction. This Agreement is governed by the laws of India and subject to the exclusive jurisdiction of courts at [City].
  13. Dispute Resolution. Disputes shall first be attempted to be settled amicably, failing which they shall be referred to arbitration under the Arbitration and Conciliation Act, 1996, seated at [City].

IN WITNESS WHEREOF the parties have signed this Agreement on the date first written above.

___
[Lender]
___
[Borrower]
___
Witness 1: [Name & Address]
___
Witness 2: [Name & Address]

Before you use it — fill in / check

  • Lender
  • Borrower
  • Loan amount/consideration
  • Effective date

How to use this template

  1. Read through and replace every [bracketed] or blank placeholder with your actual details.
  2. Delete any clause that doesn't apply and add anything specific to your situation.
  3. Click Print / Save as PDF to download, or Copy text to paste into your letterhead.
  4. Get it signed / stamped / notarised as required, and keep a copy for your records.

This is a general, editable template for convenience only — not legal advice. For anything material, have a professional review it. TaxClue isn't liable for how it's used.