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1. Parties: Identification of the lender and borrower with complete details including registration/incorporation information for entities or personal details for individuals

2. Background: Recitals explaining the context of the loan requirement and the property being mortgaged

3. Definitions: Definitions of key terms used throughout the agreement including 'Loan', 'Mortgage', 'Property', 'Security', 'Default', etc.

4. Loan Terms: Details of the loan amount, interest rate, tenure, repayment schedule, and disbursement conditions

5. Security Creation: Specific clauses creating the mortgage and describing the secured property and type of mortgage

6. Borrower's Representations and Warranties: Statements about the borrower's legal capacity, property ownership, and absence of encumbrances

7. Borrower's Covenants: Positive and negative covenants regarding property maintenance, insurance, and restrictions on further encumbrance

8. Events of Default: Comprehensive list of events that constitute default and their consequences

9. Rights and Remedies: Lender's rights upon default including property sale, appointment of receiver, etc.

10. Insurance: Requirements for property insurance and assignment of insurance policies

11. Costs and Expenses: Allocation of legal costs, registration charges, and ongoing maintenance expenses

12. Notices: Process for sending formal communications between parties

13. Governing Law and Jurisdiction: Specification of Indian law as governing law and jurisdiction of courts

14. Miscellaneous: Standard boilerplate clauses including severability, entire agreement, amendments, etc.

1. Schedule 1 - Property Description: Detailed description of the mortgaged property including boundaries and measurements

2. Schedule 2 - Payment Schedule: Detailed amortization schedule showing principal and interest payments

3. Schedule 3 - Property Documents: List of title documents and previous chain of ownership documents

4. Schedule 4 - Disbursement Schedule: If loan is to be disbursed in tranches, details of conditions and timeline

5. Schedule 5 - Insurance Requirements: Specific insurance requirements including types of coverage and minimum amounts

6. Appendix A - Form of Notice: Standard formats for various notices under the agreement

7. Appendix B - Property Valuation Report: Independent valuation report of the mortgaged property

8. Appendix C - Due Diligence Reports: Legal and technical due diligence reports on the property