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Rehabilitation Loan Agreement
"I need a Rehabilitation Loan Agreement for a manufacturing company in Gujarat, India, with a loan amount of INR 50 crores to be disbursed in three tranches between January 2025 and June 2025, including specific provisions for machinery upgrade and workforce training."
1. Parties: Identification of the lender (financial institution) and borrower, including their complete legal names, addresses, and registration details
2. Background: Context of the rehabilitation loan, purpose, and brief description of the circumstances necessitating the rehabilitation financing
3. Definitions: Definitions of key terms used throughout the agreement, including technical, financial, and rehabilitation-specific terminology
4. Loan Amount and Purpose: Specification of the loan amount, purpose, and conditions precedent to disbursement
5. Disbursement Terms: Schedule and conditions for loan disbursement, including any tranches or milestone-based releases
6. Interest and Fees: Interest rate, calculation method, payment schedule, and any additional fees or charges
7. Repayment Terms: Repayment schedule, installment amounts, and payment mechanisms
8. Rehabilitation Plan: Detailed outline of the rehabilitation strategy, milestones, and implementation timeline
9. Monitoring and Reporting: Requirements for progress reporting, financial statements, and monitoring mechanisms
10. Representations and Warranties: Standard and specific representations made by the borrower regarding their situation and capacity
11. Covenants: Positive and negative covenants specific to rehabilitation loans and general financial covenants
12. Events of Default: Circumstances constituting default and their consequences
13. Remedies: Lender's rights and remedies in case of default
14. Term and Termination: Duration of the agreement and conditions for early termination
15. Governing Law and Jurisdiction: Applicable law and jurisdiction for dispute resolution
16. Notices: Process and addresses for formal communications between parties
17. Miscellaneous: Standard boilerplate provisions including amendments, assignments, and severability
1. Security Arrangements: Details of any collateral or security provided - include if the loan is secured
2. Guarantees: Terms of any personal or corporate guarantees - include if guarantors are involved
3. Insurance Requirements: Specific insurance requirements for assets or individuals - include if insurance is mandatory
4. Special Concessions: Any special terms or concessions granted for rehabilitation purposes - include if applicable
5. Environmental Compliance: Environmental requirements and compliances - include for business rehabilitation loans
6. Employment and Training: Requirements for employment or training programs - include for business rehabilitation loans
7. Social Impact Metrics: Measurements and reporting of social impact - include for social impact-focused rehabilitation
8. Technical Assistance: Terms of any technical assistance provided - include if technical support is part of the package
9. Exit Strategy: Plans for graduation from rehabilitation status - include for business rehabilitation
1. Schedule 1 - Rehabilitation Plan Details: Detailed rehabilitation plan including timelines, milestones, and success metrics
2. Schedule 2 - Disbursement Schedule: Detailed schedule of loan disbursements and associated conditions
3. Schedule 3 - Repayment Schedule: Amortization schedule with detailed breakdown of payments
4. Schedule 4 - Monitoring Framework: Detailed monitoring and reporting requirements including formats and templates
5. Schedule 5 - Security Details: Detailed description of security/collateral if applicable
6. Schedule 6 - Key Personnel: List of key personnel responsible for rehabilitation implementation
7. Schedule 7 - Required Approvals: List of regulatory and other approvals required and obtained
8. Appendix A - Reporting Formats: Standard formats for progress reports and financial statements
9. Appendix B - Compliance Certificates: Format of compliance certificates to be submitted periodically
10. Appendix C - Technical Specifications: Technical specifications for equipment or processes if applicable
Authors
Applicable Law
Approved Purpose
Availability Period
Business Day
Business Plan
Borrower
Collateral
Compliance Certificate
Conditions Precedent
Default Interest
Default Notice
Disbursement
Disbursement Schedule
Effective Date
Encumbrance
Event of Default
Facility
Financial Indebtedness
Financial Statements
Financial Year
Force Majeure Event
Governmental Authority
Guarantee
Implementation Schedule
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Milestone
Monitoring Agency
Monitoring Report
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Progress Report
Project
Project Site
Rehabilitation Consultant
Rehabilitation Milestones
Rehabilitation Period
Rehabilitation Plan
Repayment Date
Repayment Schedule
Review Period
Sanctioned Amount
Security
Security Documents
Special Mention Account
Stressed Asset
Success Metrics
Technical Advisor
Term
Termination Date
Tranche
Purpose
Disbursement
Interest
Repayment
Security
Conditions Precedent
Representations and Warranties
Covenants
Rehabilitation Plan
Implementation
Monitoring
Reporting
Default
Remedies
Force Majeure
Confidentiality
Assignment
Indemnification
Insurance
Compliance
Environmental
Social Responsibility
Technical Assistance
Documentation
Notices
Amendments
Governing Law
Dispute Resolution
Termination
Severability
Entire Agreement
Counterparts
Waiver
Time of Essence
Further Assurance
Manufacturing
Healthcare
Infrastructure
Real Estate
Education
Agriculture
Small and Medium Enterprises
Industrial
Social Services
Environmental Services
Public Sector Units
Hospitality
Transportation
Mining
Textile
Legal
Credit
Risk Management
Compliance
Operations
Business Recovery
Project Finance
Portfolio Management
Business Development
Loan Administration
Special Situations
Restructuring
Technical Advisory
Client Relations
Documentation
Chief Financial Officer
Rehabilitation Officer
Credit Manager
Risk Manager
Legal Counsel
Loan Officer
Business Recovery Specialist
Restructuring Manager
Compliance Officer
Project Finance Manager
Recovery Head
Credit Risk Analyst
Rehabilitation Consultant
Portfolio Manager
Operations Manager
Business Development Manager
Technical Advisor
Financial Analyst
Relationship Manager
Monitoring Officer
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