Free Banking and finance Templates

A loan bond in India recording a personal loan supported by two sureties, with a reduced rate of interest as an incentive for punctual repayment. The debtor acknowledges receipt of the loan and undertakes to repay it in half-yearly instalments with interest; if an instalment is paid at least 15 days before its due date, a lower interest rate applies. The two sureties jointly guarantee repayment of any unpaid loan and interest if the debtor defaults.

A simple interest-free loan agreement between two individuals in India, recording a personal loan (here, to help the borrower purchase a residential flat), repayable in instalments over a fixed period. It records the loan amount, the interest-free terms, the fixed repayment period, and the borrower's personal guarantee, and confirms that the terms are agreed by mutual consent.

A three-party secured loan agreement for an inter-corporate deposit in India, between a lender company, a borrower company, and a third-party pledger company. The lender advances a fixed-term, interest-bearing inter-corporate deposit to the borrower, and the pledger secures repayment by pledging fully paid-up equity shares in favour of the lender. It covers the deposit amount, interest and penal interest, the share pledge and margin maintenance (top-up if the share price falls), the lender's right to sell the pledged shares on default, accretions (bonus/rights/dividends) forming part of the security, a demand promissory note, a power of attorney over the shares, and the pledger's joint-and-several, co-extensive liability with the borrower.

A loan agreement between a bank and a borrower in India for an overdraft / cash-credit facility to finance the borrower's business, up to a maximum limit and secured by a mortgage of the borrower's property. It covers the facility limit, interest charged on the daily balance and debited monthly, incidental and commission charges, the property mortgaged as security and the borrower's personal guarantee, a one-year term renewable on notice, and the borrower's obligation to repay the outstanding balance on demand — with the bank's books to be conclusive evidence of the amount due.

A continuing guarantee given by a single surety to a bank in respect of a single customer's account in India. The surety agrees to pay the bank, up to a stated maximum plus interest, all moneys and liabilities the customer owes on any account, together with interest and banking charges. It is a continuing guarantee terminable on three months' written notice, preserves the bank's freedom to grant the customer time or indulgence and to deal with other securities without discharging the surety, allows the bank to prove for its full claim in the customer's insolvency, and binds the surety's estate. Governed by the guarantee provisions of the Indian Contract Act, 1872

A deed of hypothecation under which a borrower charges a machine or asset — purchased with finance provided by a private lender — as security for repayment of the loan, in India. The creditor pays the balance purchase price to the manufacturer on the borrower's behalf and retains the original invoice until the debt is discharged; the borrower hypothecates the asset (described in Schedule A) and undertakes to repay principal and interest in monthly instalments (Schedule B). It covers default interest and acceleration on default, a restriction on removing the asset out of the State without intimation to the creditor, insurance of the asset, and dispute resolution by arbitration under the Arbitration and Conciliation Act, 1996.

This document is a formal letter used to pledge specific goods as collateral for a fixed-term loan from a bank. It outlines the borrower's obligations to store, maintain, and insure the goods while granting the bank the right to inspect and sell the assets if the loan is not repaid.

An agreement for the sale of a house that is subject to a subsisting mortgage, between the vendor, the purchaser and the mortgagee, in India. It covers the purchase price, earnest money and instalments; delivery of the title deeds by the mortgagee's advocate for investigation of title (without affecting the mortgage); discharge of the mortgage by the mortgagee on payment, before the sale deed is executed; the completion timeline and conveyance costs; refund of earnest money with interest if title is not approved; forfeiture or liquidated damages on breach; vacant possession and delivery of title documents; required tax clearances and permissions; and preservation of each party's right to specific performance.

This template is a specific **Power of Attorney** used in India that allows a property owner to authorize an agent to secure business loans. It grants the agent the power to negotiate with banks, execute mortgage documents, deposit title deeds, and handle registration procedures on the owner's behalf.

This template is a Power of Attorney (PoA) designed for an heir living abroad who needs to appoint a representative in India to handle a deceased relative's estate. It grants the attorney-in-fact authority to apply for Letters of Administration, manage assets, access bank accounts, and deal with legal formalities until the heir can act personally. This is useful for individuals who cannot travel to India to settle inheritance matters themselves.