Loan agreement drafting — secured / unsecured, inter-corporate, ECB, related-party, with interest, security, default, FEMA / RBI compliance for FY 2026-27.
A Loan Agreement is the contract between a lender and a borrower defining the principal, interest, repayment schedule, security, default consequences, and remedies. By 2026, the Indian lending landscape has multiple structures: bank / NBFC term loans, working capital, OD / CC, project finance, ECB (External Commercial Borrowing) from foreign lenders, inter-corporate deposits (ICDs) under Section 186 Companies Act, related-party loans, founder-to-company shareholder loans, P2P / fintech loans, gold loans, and bond / debenture instruments. Each has distinct legal architecture, tax treatment, and regulatory overlay.
The framework spans the Indian Contract Act 1872, the Companies Act 2013 (Sections 73-76 deposits, Section 185 directorial loans, Section 186 inter-corporate loans, Section 188 RPT), the SARFAESI Act 2002 (for secured creditor recovery), the Insolvency and Bankruptcy Code 2016 (for default-to-CIRP), the RBI Master Directions on ECB (for foreign borrowing), the Indian Stamp Act + State Schedule, the Income-tax Act (Section 194A TDS on interest, Section 269SS for cash loans, Section 56(2)(viib) for interest below market rate to companies), and the SEBI ILDS Regulations (for listed debt securities).
We draft loan agreements end-to-end — secured / unsecured, inter-corporate, related-party, ECB, founder shareholder loans, fintech / P2P, project finance — for lenders and borrowers across sectors.
Convertible Loans (CCDs / SAFE / Convertible Notes):
Hybrid debt-equity instruments; conversion triggers; cap / discount; FEMA compliance for foreign investor convertibles.
Vague default events (especially MAC clauses). Cross-default that fires unexpectedly. Personal guarantee scope ambiguous. CERSAI registration missed. ECB end-use restrictions ignored. Section 186 ICD limits breached. We pre-empt all of these.
Term / WC / project / ICD / ECB / shareholder / convertible — chosen on cash-flow, security, regulatory route, tax.
60% / 100% paid-up + reserves limit; minimum interest rate; board + shareholder resolutions; disclosures.
Master Direction route, all-in-cost, minimum maturity, end-use, AD bank, LRN on FIRMS portal.
Mortgage, hypothecation, pledge — registered at CERSAI within timeline; SARFAESI / IBC route enforceable.
Specific default events, MAC clause, cross-default, acceleration mechanism — actionable, not theoretical.
Section 194A TDS, Section 269SS limits, Section 56(2)(viib) angel-tax, Section 36(1)(iii) interest deductibility.
Lender / borrower profiles, loan amount, end-use, security available, regulatory route — analysed.
Loan agreement with principal, interest, repayment, security, covenants, default, dispute resolution.
Mortgage deed / hypothecation deed / pledge agreement / corporate or personal guarantee — drafted as separate documents.
Counter-party mark-ups; commercial points (interest, prepayment, security, covenants) negotiated.
Stamp duty per State Schedule; mortgage registered at sub-registrar; CERSAI charge filing within 30 days.
Conditions precedent fulfilment; first drawdown; subsequent drawdowns; periodic compliance certificates.
Lender CIN / NBFC licence / RBI approval (if applicable); borrower CIN / PAN; constitutional documents; board resolutions
Audited financial statements (3 years); projections; bank statements; existing loan schedule; DSCR computation
Property title chain (mortgage); stock register (hypothecation); share certificate / DP statement (pledge); guarantor financial statements
RBI ECB filing (if applicable); CERSAI charge; Form CHG-1 (corporate borrower); Section 186 / 188 board / shareholder resolutions
Section 194A TDS deductions; Form 26Q; Form 10F (foreign lender); TRC; 15CA / 15CB for ECB interest remittance
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Partnership deed drafting under Indian Partnership Act 1932 / LLP Act 2008 — capital, profit-sharing, decision rights, exit, dispute resolution and tax-aligned structuring.
Supplementary LLP Agreement and Form 3 / Form 4 LLP filings under the LLP Act 2008 — capture changes in business activity, contribution, profit-share or partner composition within 30 days.
Drafting, stamping and MCA filing of supplementary LLP Agreements — partner change, profit-sharing, contribution, business object — Section 23 & 30-day compliant.
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Applied for gst registration and was done exactly in 3 days as promised... Good service...
Very nice experience to work with possessive precise knowledge and updated commercials in all fields
They are good at what they are doing.Their work denotes their company name.I would like to thank Priyanka Wadhera for her dedication towards work and cooperation .They will give valuable advices that you need.
My true opinion: Really one of the best legal service providers out there. The best thing about Legal Suvidha Provider, is their workflow it's just perfect, inspite of being in different cities in handling all the legal stuff they work flawlessly. 5 Stars for Quality Work. 5 Stars for Politeness, Humbleness as they are really very respectful in behaviour to their clients. And 5 Stars for pricing and after service support. I incorporated a Private Limited Company and these guys really helps us a lot in managing all the legal stuffs perfectly. Anyone reading this review I will definately recommend Legal Shuvidha Providers for all your business and company legal works. Regards, Milind from Enoylity.
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A great experience working with legal suvidha providers, they are wonderful in their response and meeting timelines.
Excellent support & timely response. I am very happy with the overall service & their knowledge.
Excellent service provider Our company supriya foundation and research and welfare organisation have get benifitted since after incorporation 1 year ago .they are always helpful for ambitious people.wish them all the best.
Good solution providers for startup companies. Regards Naveen Erukulla. Thank them for their prompt service. They always inform how much time does the task will take and don't keep their valuable customers chasing them, if there is any delay due to portal issues or etc they communicate to the customer. Thank you for your good service, please continue the same. Regards Naveen Erukulla.
Great and timely services are being provided by the time and we are glad to be associated with the team
Very well and experienced team and really appreciate the whole team for the work. Very much satisfied and will keep continuing with them in future.
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