The Debenture Loan Agreement is a crucial financing instrument used in the Indian corporate landscape when companies seek to raise medium to long-term debt capital through the issuance of debentures. This document becomes necessary when a company decides to issue debentures, whether secured or unsecured, convertible or non-convertible, and whether through private placement or public issue. The agreement must comply with various Indian regulations, including the Companies Act 2013, SEBI guidelines, and RBI regulations. It typically includes detailed provisions about the debenture terms, security creation (if applicable), rights of debenture holders, trustee appointments, and various covenants and undertakings by the issuer. The document serves as the primary reference point for all stakeholders throughout the tenure of the debentures, from issuance to redemption.
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1. Parties: Identifies the Issuer/Company and the Debenture Trustee/Holders
2. Background: Sets out the context of the debenture issuance and the company's authority to issue debentures
3. Definitions: Defines key terms used throughout the agreement
4. Issue Details: Specifies the number, face value, and total value of debentures being issued
5. Interest: Details of interest rate, calculation method, and payment dates
6. Repayment Terms: Specifies the tenure, redemption date(s), and repayment schedule
7. Security: Details of assets charged as security for the debentures
8. Representations and Warranties: Standard and specific representations made by the Issuer
9. Covenants: Positive and negative covenants binding on the Issuer
10. Events of Default: Circumstances constituting default and consequences thereof
11. Rights and Obligations: Duties and rights of both the Issuer and Debenture Holders
12. Governing Law and Jurisdiction: Specifies applicable law and courts having jurisdiction
13. Notices: Method and addresses for serving notices
14. Miscellaneous: Standard boilerplate provisions including amendments, severability, etc.
1. Conversion Rights: Required for convertible debentures, specifying conversion terms, price, and procedure
2. Listing Provisions: Required for listed debentures, including compliance with stock exchange requirements
3. Put/Call Options: Include when early redemption options are available to either party
4. Security Trustee Provisions: Required when a separate security trustee is appointed
5. Green Shoe Option: Include when there's an option to increase the issue size
6. Step-up/Step-down Interest: Include when interest rates are linked to credit rating changes or other events
1. Schedule I - Debenture Terms: Detailed terms of the debentures including face value, coupon rate, maturity date
2. Schedule II - Security Details: Comprehensive description of secured assets and their values
3. Schedule III - Payment Schedule: Detailed repayment schedule including principal and interest payment dates
4. Schedule IV - Security Creation Timeline: Timeline for creation and perfection of security
5. Schedule V - Forms: Standard forms for various notices, transfers, and certificates
6. Schedule VI - Company Resolutions: Relevant board and shareholder resolutions authorizing the issue
7. Appendix A - Compliance Certificate Format: Format for periodic compliance certificates to be submitted by the Issuer
8. Appendix B - Security Cover Certificate: Format for certificates confirming maintenance of required security cover
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Infrastructure
Manufacturing
Energy & Utilities
Technology
Telecommunications
Healthcare
Industrial
Mining & Metals
Relevant Teams
Legal
Finance
Treasury
Compliance
Corporate Secretarial
Risk Management
Corporate Finance
Board of Directors
Senior Management
Investment Banking
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Company Secretary
Compliance Officer
Investment Manager
Corporate Finance Manager
Risk Manager
Board Director
Chief Executive Officer
Debt Capital Markets Manager
Investment Banker
Rating Analyst
Security Trustee Officer
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