The Loan Facility Agreement serves as the primary document governing credit facilities in India, structured in compliance with Indian banking and financial services regulations. This agreement is essential when a lender (typically a bank or financial institution) provides financial accommodation to a borrower, whether for working capital, expansion, project finance, or other business purposes. The document comprehensively addresses all aspects of the lending relationship, including facility terms, security arrangements, representations, covenants, and enforcement mechanisms. It incorporates requirements under various Indian laws including the Banking Regulation Act, Indian Contract Act, and RBI guidelines, while providing necessary protections for both lender and borrower. The agreement is particularly crucial for documented compliance with regulatory requirements and creating a legally enforceable lending structure in the Indian jurisdiction.
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1. Parties: Identification of the lender(s) and borrower(s) with their complete legal names and addresses
2. Background: Recitals explaining the context of the loan facility and the parties' intentions
3. Definitions and Interpretation: Comprehensive definitions of terms used in the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and type of facility being provided
5. Conditions Precedent: Conditions that must be satisfied before the facility can be drawn
6. Drawdown: Procedures and requirements for drawing down the loan facility
7. Interest: Interest rate, calculation method, payment periods, and default interest provisions
8. Repayment: Terms and schedule for repayment of the facility
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances that constitute default and their consequences
12. Security: Overview of security arrangements and cross-references to security documents
13. Payments: Payment mechanics, currency, and timing requirements
14. Costs and Expenses: Allocation of transaction costs and ongoing expenses
15. Notices: Communication procedures between parties
16. Assignment and Transfer: Rights and restrictions regarding transfer of rights and obligations
17. Governing Law and Jurisdiction: Applicable law and dispute resolution provisions
18. Execution: Signature blocks and execution formalities
1. Syndication Provisions: Required when multiple lenders are involved or syndication is contemplated
2. Security Trustee Provisions: Needed when security is held by a trustee on behalf of multiple lenders
3. Increased Costs: Protection for lenders against regulatory changes affecting lending costs
4. Tax Gross-up and Indemnities: Required when tax implications need specific attention or cross-border elements exist
5. Currency Indemnity: Needed for facilities involving foreign currency
6. Guarantee Provisions: Required when guarantors are involved in the facility
7. Subordination Provisions: Needed when there are multiple creditors requiring ranking of priority
8. Agency Provisions: Required when a facility agent is appointed to manage the facility
9. Set-off Rights: Optional provisions for lender's right to set off debts against accounts
10. Green Loan Provisions: Required for environmentally sustainable or green financing facilities
1. Conditions Precedent: Detailed list of documents and conditions required before drawdown
2. Form of Drawdown Request: Template for borrower to request loan disbursement
3. Repayment Schedule: Detailed amortization schedule if applicable
4. Interest Calculation: Detailed methodology for interest calculation
5. Security Details: Comprehensive list and description of security assets and documents
6. Form of Transfer Certificate: Template for transferring loan participations
7. Financial Covenants: Detailed financial ratios and calculations
8. Authorized Signatories: List of persons authorized to act on behalf of each party
9. Properties Schedule: Details of any properties serving as security
10. Form of Compliance Certificate: Template for periodic compliance reporting
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