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Large Credit Agreement

Large Credit Agreement Template for India

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Key Requirements PROMPT example:

Large Credit Agreement

"I need a Large Credit Agreement for a INR 500 crore term loan facility to be provided by a consortium of three Indian banks to a manufacturing company for capacity expansion, with the facility to be secured by plant and machinery and corporate guarantee."

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Document background
The Large Credit Agreement is a sophisticated financing document used for significant corporate lending transactions in India, typically involving amounts above INR 100 crore (approximately USD 12 million). It serves as the primary document governing the relationship between institutional lenders and corporate borrowers, incorporating requirements under Indian banking laws, RBI guidelines, and other regulatory frameworks. The agreement is essential for corporate expansion, project financing, working capital requirements, or acquisition financing, providing detailed provisions for facility terms, security creation, covenant packages, and enforcement mechanisms. It must comply with Indian contract law principles while addressing specific requirements for security creation, registration, and enforcement under various Indian statutes including the SARFAESI Act and the Registration Act.
Suggested Sections

1. Parties: Identification of lender(s) and borrower(s) with their complete legal details

2. Background: Context of the facility and relationship between parties

3. Definitions and Interpretation: Comprehensive definitions of terms used and rules of interpretation

4. The Facility: Details of the credit facility including amount, purpose, and availability

5. Conditions Precedent: Conditions that must be satisfied before drawdown

6. Drawdown: Procedures and requirements for utilizing the facility

7. Interest: Interest rates, calculation methods, and payment provisions

8. Repayment: Terms and schedule of repayment

9. Prepayment: Voluntary and mandatory prepayment provisions

10. Representations and Warranties: Statements of fact and assurances given by the borrower

11. Information Undertakings: Borrower's obligations to provide financial and other information

12. Financial Covenants: Financial ratios and thresholds the borrower must maintain

13. General Undertakings: Borrower's operational and business commitments

14. Events of Default: Circumstances constituting default and consequences

15. Security: Overview of security package and enforcement rights

16. Changes to Parties: Transfer and assignment provisions

17. Administration: Payment mechanics, calculations, and notices

18. Governing Law and Jurisdiction: Choice of law and dispute resolution provisions

19. Miscellaneous: Standard boilerplate provisions

Optional Sections

1. Accordion Facility: Optional provision for increasing the facility amount - include if facility may be expanded

2. Multiple Currencies: Include if the facility can be drawn in multiple currencies

3. Green Loan Provisions: Include if the facility has environmental or sustainability-linked elements

4. Intercreditor Provisions: Include if there are multiple lenders or creditor classes

5. Tax Gross-Up and Indemnities: Detailed tax provisions - include if cross-border elements exist

6. Bank Guarantee Facility: Include if facility includes bank guarantee issuance

7. Letter of Credit Facility: Include if facility includes LC issuance

8. Working Capital Provisions: Include for working capital facilities with specific operational requirements

9. Majority Lender Decisions: Include for syndicated facilities

10. Agency and Security Trustee: Include for syndicated facilities or where security trustee is appointed

Suggested Schedules

1. Conditions Precedent: Detailed list of required documents and conditions

2. Form of Drawdown Request: Template for borrower to request utilization

3. Repayment Schedule: Detailed amortization schedule if term loan

4. Form of Compliance Certificate: Template for periodic compliance reporting

5. Security Documents: List and copies of all security documentation

6. Existing Security and Permitted Financial Indebtedness: Details of existing encumbrances and permitted debt

7. Form of Transfer Certificate: Template for transferring loan participations

8. Financial Covenants Calculations: Detailed methodology for financial covenant calculations

9. Group Structure: Corporate structure chart of borrower group

10. Form of Legal Opinions: Template legal opinions required from counsel

11. Contact Details: Administrative and notice details for all parties

12. Existing Facilities: Details of borrower's existing credit facilities

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions










































































Clauses












































Relevant Industries

Banking and Financial Services

Manufacturing

Infrastructure

Real Estate

Technology

Telecommunications

Healthcare

Energy and Utilities

Mining and Natural Resources

Transportation and Logistics

Retail and Consumer Goods

Hospitality

Agriculture and Agribusiness

Pharmaceuticals

Relevant Teams

Legal

Finance

Treasury

Credit Risk

Compliance

Corporate Banking

Operations

Security and Enforcement

Documentation

Portfolio Management

Transaction Management

Risk Management

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Corporate Banker

Relationship Manager

Credit Risk Manager

Legal Counsel

Company Secretary

Compliance Officer

Financial Controller

Credit Analyst

Transaction Manager

Portfolio Manager

Risk Officer

Corporate Finance Manager

Loan Administrator

Security Trustee Officer

Facility Agent

Industries










Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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