The Master Lending Agreement serves as the primary document governing the lending relationship between financial institutions and borrowers in India. It provides a comprehensive framework that can accommodate multiple loan facilities under a single agreement, streamlining the documentation process for ongoing lending relationships. The agreement incorporates essential provisions required under Indian banking laws, Reserve Bank of India guidelines, and financial regulations, while maintaining flexibility to adapt to various lending scenarios. This Master Lending Agreement is particularly useful for establishing long-term lending relationships where multiple facilities may be required over time, as it sets out the standard terms and conditions that will apply to all subsequent facilities, reducing negotiation time and documentation costs for future transactions.
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1. Parties: Identification of the lender and borrower with complete legal names and addresses
2. Background: Context of the agreement and brief description of the lending relationship to be established
3. Definitions and Interpretation: Definitions of key terms and rules of interpretation for the agreement
4. Facility Details: Description of the lending facility, including type, purpose, and overall limit
5. Conditions Precedent: Conditions that must be satisfied before the facility can be utilized
6. Drawdown Mechanics: Procedures and requirements for requesting and obtaining loans under the facility
7. Interest and Fees: Interest calculation methodology, applicable rates, and associated fees
8. Repayment Terms: Terms and schedule for repayment of principal and interest
9. Security Structure: Overview of security arrangements and collateral requirements
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Positive and negative obligations of the borrower during the facility period
12. Events of Default: Circumstances that constitute default and their consequences
13. Enforcement Rights: Lender's rights and remedies upon default
14. Governing Law and Jurisdiction: Applicable law and courts having jurisdiction over disputes
15. Notices: Process and requirements for formal communications between parties
16. Miscellaneous: Standard boilerplate provisions including amendments, waivers, and severability
1. Syndication Provisions: Required when multiple lenders are involved or syndication is contemplated
2. Currency Provisions: Needed for multi-currency facilities or foreign currency loans
3. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is required
4. Special Drawing Rights: For facilities with special drawing mechanisms or specialized funding arrangements
5. Guarantor Provisions: When third-party guarantees are part of the security structure
6. Tax Provisions: Detailed tax clauses when cross-border elements or special tax considerations apply
7. Assignment and Transfer: Detailed provisions for when either party may need to transfer rights or obligations
8. Force Majeure: When specific force majeure provisions are required beyond standard contract frustration
1. Facility Details Schedule: Detailed terms of each sub-facility including limits, pricing, and tenure
2. Security Details: Comprehensive list and description of all security and collateral
3. Condition Precedent Documents: List of all required documents and conditions to be satisfied
4. Form of Drawdown Notice: Standard format for requesting drawdowns under the facility
5. Repayment Schedule: Detailed amortization schedule if applicable
6. Financial Covenants: Specific financial ratios and thresholds to be maintained
7. Authorized Signatories: List of persons authorized to act on behalf of each party
8. Fee Schedule: Detailed breakdown of all applicable fees and charges
9. Form of Compliance Certificate: Standard format for periodic compliance reporting
10. KYC Requirements: List of required KYC documents and verification procedures
Relevant legal definitions
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Relevant Industries
Banking
Financial Services
Manufacturing
Real Estate
Infrastructure
Technology
Healthcare
Retail
Agriculture
Energy
Transportation
Telecommunications
Construction
Mining
Education
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Company Secretarial
Portfolio Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Relationship Manager
Credit Risk Manager
Compliance Officer
Company Secretary
Financial Controller
Banking Operations Manager
Credit Analyst
Portfolio Manager
Transaction Manager
Risk Officer
Finance Manager
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