Loan Agreement
Enterprise-grade Indian law Loan Agreement template for secured or unsecured lending, with RBI-aligned interest, repayment, security, default and enforcement provisions for banks, NBFCs, startups and businesses.
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What is a Loan Agreement?
This is an enterprise-grade Indian law Loan Agreement template that captures key commercial, security, default and enforcement terms for secured and unsecured lending by banks, NBFCs, investors, lenders and businesses.
When should you use this?
Common situations where this document is the right choice.
What's included
Key sections and clauses in this document.
How it works
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Frequently asked questions
Everything you need to know before creating your document.
Is this Loan Agreement suitable for both secured and unsecured loans?+
Yes. The template supports both secured and unsecured structures through conditional security clauses. You can specify whether collateral is provided and, if so, describe the assets and security creation method in detail.
Can this Agreement be used by NBFCs and fintech lenders in India?+
Yes, the template is drafted to work for banks, NBFCs, fintech lenders and corporate or individual lenders, subject to each lender tailoring internal policy, KYC and regulatory compliance requirements.
How are penal charges handled in light of RBI guidance?+
The document refers to penal charges on overdue amounts and makes clear they are not capitalised as penal interest or added to the contracted rate, aligning with RBI’s fair lending and penal charge guidelines.
Can I customise the repayment structure to match my EMI or bullet loan product?+
Yes. You can choose EMI, bullet or structured instalment repayment methods. Conditional clauses automatically adapt the repayment and acceleration wording to match the commercial structure you select.
Is this Agreement enforceable if signed electronically?+
Indian law recognises properly executed electronic agreements and e-signatures, subject to the Information Technology Act, 2000 and the Evidence Act, so long as consent, identity, and integrity of the document can be demonstrated.
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Loan Agreement