অর্থ ও ব্যাঙ্কিং

LOAN AGREEMENT

This LOAN AGREEMENT is made on BETWEEN , residing/having its place of business at (the "Lender"); AND , residing/having its place of business at (the "Borrower"). WHEREAS the Borrower has approached the Lender for a loan, and the Lender has agreed to lend on the terms recorded below. NOW IT IS AGREED AS FOLLOWS: 1. THE LOAN 1.1 The Lender agrees to lend and the Borrower agrees to borrow the sum of Rs. (Rupees only) (the "Loan"). 1.2 The Loan was/shall be disbursed on . Mode of disbursement: 1.3 Where the Loan has been disbursed on or before the date of this Agreement, the Borrower acknowledges its receipt and confirms that this Agreement constitutes an acknowledgment of the debt. Where any part of the Loan is disbursed after that date, the Borrower shall acknowledge its receipt in writing at the time of disbursement. 2. INTEREST 2.1 The Loan shall carry interest at the rate of % per annum, calculated on the outstanding principal. 2.2 Interest shall accrue from the date of disbursement until the date of full repayment. 3. REPAYMENT 3.1 The Borrower shall repay the Loan together with…

PROMISSORY NOTE

Place: Date: Amount: Rs. I, , of , residing at (the "Maker"), DO HEREBY UNCONDITIONALLY PROMISE TO PAY , residing at , or order, the sum of Rs. (Rupees only), together with interest thereon at the rate of % per annum, , for value received. Due date, where payable on a fixed date: TERMS 1. This Promissory Note is executed for valuable consideration actually received by the Maker from the Payee. 2. The Maker undertakes to pay the said sum together with interest, without any deduction, set-off or counterclaim. 3. Interest shall accrue from the date of this Note until the date of actual payment in full. 4. Payment shall be made by a traceable banking channel, and the Payee shall issue a receipt for each payment received. 5. The Maker may prepay the whole or any part of the amount at any time, together with interest accrued to the date of prepayment. 6. On full payment, the Payee shall return this Promissory Note to the Maker marked "discharged and cancelled". 7. The Maker declares that the Maker is of sound mind, has attained majority, is competent to contract, and executes this Note…

পরিশোধের রসিদ

Date: Received with thanks from a sum of Rs. by way of , towards . Amount in words : Payment reference : [ Revenue stamp, where required ] Signature: Received by:

BANK GUARANTEE

Issued by: In favour of: On behalf of: WHEREAS has entered into an arrangement with for , and has required a guarantee for due performance of the said obligation. We, , hereby guarantee payment to of a sum not exceeding Rs. , on demand, in the event fails to fulfil the said obligation. This guarantee shall remain valid until , unless extended or invoked earlier in accordance with its terms. For Date:

LOAN SETTLEMENT AGREEMENT

This Agreement is executed on BETWEEN (hereinafter "the Lender") Address: AND (hereinafter "the Borrower") Address: WHEREAS the Lender advanced a loan to the Borrower (the "Original Loan"), particulars of which are as follows: Original loan amount : Rs. Date of the loan : Loan document or account : Amount claimed by the Lender as outstanding on the date of this Agreement : Rs. AND WHEREAS the parties have agreed to settle all claims under the Original Loan as set out below. 1. SETTLEMENT AMOUNT The Borrower agrees to pay the Lender a full and final settlement amount of Rs. on or before , by bank transfer, cheque or another traceable mode to the Lender's account. 2. FULL AND FINAL SETTLEMENT Upon receipt of the settlement amount, the Lender confirms that the Borrower shall stand fully discharged of all liability under the Original Loan, and the Lender shall have no further claim against the Borrower in respect of it. 3. RECEIPT AND RETURN OF DOCUMENTS On receipt of the settlement amount, the Lender shall give the Borrower a written receipt and shall, within fifteen days, return or…

চেক স্টপ পেমেন্ট লেটার

The Branch Manager , Date: Subject: Stop payment instruction for Cheque No. Sir/Madam, 1. I, , hold account number with your branch. 2. I request you to STOP PAYMENT on the following cheque: Cheque number : Cheque date : Amount : Rs. Payee : 3. REASON FOR THIS INSTRUCTION 4. Kindly confirm in writing that the stop payment instruction has been recorded, and inform me of any charge applicable. 5. I undertake to indemnify the Bank against any claim arising from acting on this instruction, and I confirm that the Bank shall not be liable for having acted upon it in good faith. 6. I request that this instruction remain in force until withdrawn by me in writing. Yours faithfully, Account No.: Contact: ACKNOWLEDGMENT Received on Reference: Signature and seal: READ THIS BEFORE YOU STOP A CHEQUE Stopping payment does NOT make the underlying liability go away, and it does NOT protect you from prosecution. This is the single commonest and most expensive misunderstanding about cheques in India. People assume that a cheque returned "payment stopped by drawer" is a civil matter between the…

ঋণের ফোরক্লোজার এনওসি অনুরোধ পত্র

Subject: Request for No Objection Certificate — Loan Account Dear Sir/Madam, I, , held Loan Account No. with you, which I have fully repaid and closed on . I request you to kindly issue a No Objection Certificate / No Dues Certificate confirming full closure of the said loan, along with release of any security or collateral held against it. Date:

PERSONAL LOAN AGREEMENT

This AGREEMENT is made on BETWEEN , residing at (hereinafter "the Lender"); Father's/Husband's name: AND , residing at (hereinafter "the Borrower"). Father's/Husband's name: WHEREAS the Borrower has requested a friendly loan from the Lender, and the Lender has agreed to advance the same on the terms recorded below, and the parties consider it prudent to record those terms in writing to avoid future misunderstanding. NOW IT IS AGREED AS FOLLOWS: 1. AMOUNT AND ACKNOWLEDGMENT 1.1 The Lender has advanced to the Borrower the sum of Rs. (Rupees only). Mode of payment: 1.2 The Borrower hereby acknowledges receipt of the said sum, and acknowledges the same as a debt due and payable to the Lender. This Agreement constitutes an acknowledgment of debt in writing. 2. PURPOSE Purpose of the loan: 3. INTEREST 3.1 Rate of simple interest (% per annum): 3.2 Interest at the rate stated above shall run on the outstanding amount. Where the rate is stated as nil or zero, or is left blank, the loan is interest-free, and the Borrower shall repay only the principal sum. 4. REPAYMENT 4.1 The Borrower shall…

GUARANTOR AGREEMENT

This Agreement is executed on between (hereinafter "the Lender"), , residing at (hereinafter "the Guarantor"), and (hereinafter "the Borrower"), who joins in this Agreement as a confirming party. LOAN PARTICULARS Borrower's address : Loan agreement dated : Loan amount : Rs. Rate of interest (% per annum) : 1. GUARANTEE In consideration of the Lender making or continuing the above loan to the Borrower at the Guarantor's request, the Guarantor hereby guarantees to the Lender repayment of the above loan, together with interest, in the event the Borrower fails to repay it as agreed under the loan agreement. 2. EXTENT OF LIABILITY The Guarantor's liability under this guarantee shall be limited to: (a) the principal amount of the loan remaining unpaid, not exceeding Rs. ; (b) interest on that principal at the rate stated in the loan particulars above or, if no rate is stated there, at the rate payable under the loan agreement as it stood on the date of this Agreement; and (c) reasonable costs actually incurred by the Lender in enforcing this guarantee against the Guarantor. The Guarantor…

LEGAL NOTICE FOR RECOVERY OF DUES

BY REGISTERED POST WITH ACKNOWLEDGMENT DUE / SPEED POST / EMAIL Date: To, Subject: Demand for payment of Rs. due and outstanding Sir/Madam, Under instructions from and on behalf of my client , of (hereinafter "my Client"), I serve upon you the following notice: 1. THE TRANSACTION 2. THE AMOUNT DUE 2.1 A sum of Rs. became due and payable by you to my Client on . Amount in words : 2.2 The said amount remains outstanding and unpaid as on the date of this notice. 2.3 Interest claimed by my Client on the said sum, from the due date until the date of actual payment: Rate of interest (% per annum) : 3. DEMANDS ALREADY MADE AND YOUR RESPONSE Reminders and demands already made: Your response, if any: 4. DEMAND You are hereby called upon to pay my Client the sum of Rs. , together with interest, if any, at the rate stated in paragraph 2.3, within the period stated below from the date of receipt of this notice. Period for payment (days) : Payment shall be made by demand draft or direct bank transfer in favour of my Client. 5. CONSEQUENCES OF NON-PAYMENT 5.1 TAKE NOTICE that if you fail to make…

বীমা দাবি পত্র

The Claims Department Date: Subject: Claim under policy no. Sir/Madam, 1. POLICY PARTICULARS Policyholder : Policy number : Type of claim : Date of incident : 2. PARTICULARS OF THE INCIDENT 3. AMOUNT CLAIMED Amount claimed : Rs. The claim is supported by the documents enclosed. I request that it be assessed and settled in accordance with the terms of the policy. 4. To the best of my knowledge, the policy was in force on the date of the incident and all premiums due had been paid, and I believe that the loss falls within the cover granted by the policy. 5. DOCUMENTS ENCLOSED 6. I request that the claim be registered, a claim number be allotted to me in writing, and a surveyor be appointed where one is required. 7. Kindly inform me promptly of any further document or information required, so that it can be furnished without delay. I request that the claim be settled within the period prescribed under the applicable IRDAI regulations. Yours faithfully, Policy: Contact: ACKNOWLEDGMENT Claim registered on Claim No. DELAY IN INTIMATION IS THE COMMONEST REASON CLAIMS ARE REFUSED Not fraud,…

CHIT FUND MEMBERSHIP AGREEMENT

This Agreement is executed on between (hereinafter "the Foreman") and (hereinafter "the Member"), in respect of a chit of total value Rs. conducted by the Foreman under the Chit Funds Act, 1982. Chit registration no. : Registrar of Chits : Member's ticket no. : 1. THE REGISTERED CHIT AGREEMENT 1.1 The chit is governed by the chit agreement registered, or to be registered, with the Registrar of Chits, and by the Chit Funds Act, 1982 and the rules made under it. The Member shall sign that chit agreement as a subscriber. 1.2 This Agreement records the Member's individual terms only. It does not replace the registered chit agreement. If there is any conflict, the registered chit agreement and the Act shall prevail. 1.3 The Foreman shall ensure that the sanction and registration required by the Act are obtained before any auction or draw is held, and shall give the Member a copy of the registered chit agreement. 2. CONTRIBUTION The Member agrees to contribute Rs. per month for months. 3. PRIZED AMOUNT The Member may bid for the prized amount in accordance with the registered chit…

স্থায়ী আমানত মনোনয়ন ফর্ম

The Branch Manager , Date: Subject: Nomination in respect of fixed deposit no. Sir/Madam, 1. DEPOSITOR Name : Address : Deposit : 2. NOMINATION I hereby nominate the person or persons named below to receive the amount of the above deposit in the event of my death, under Section 45ZA of the Banking Regulation Act, 1949, as amended by the Banking Laws (Amendment) Act, 2025, read with the Banking Companies (Nomination) Rules, 2025. Type of nomination : NOMINEE 1 Name of nominee : Relationship : Date of birth : Address : Share (%) : NOMINEE 2 (if any) Name of nominee : Relationship : Date of birth : Share (%) : NOMINEE 3 (if any) Name of nominee : Relationship : Date of birth : Share (%) : NOMINEE 4 (if any) Name of nominee : Relationship : Date of birth : Share (%) : Where the nomination is simultaneous, the amount is to be paid to the nominees in the shares stated against their names, which must together total 100 per cent. Where the nomination is successive, the nominees are listed in order of priority, and a nominee lower in the list becomes entitled only if each nominee placed…

OVERDRAFT FACILITY AGREEMENT

This Agreement is executed on between and , sanctioning an overdraft facility of up to Rs. against the account holder's current account. 1. INTEREST Interest at % per annum shall apply only on the amount actually utilized, calculated on a daily reducing balance basis. 2. REVIEW This facility shall be reviewed and may be renewed, reduced, or withdrawn by the bank based on the account's conduct. 3. REPAYMENT The account holder agrees to keep the account within the sanctioned limit and to regularize any excess utilization immediately upon notice from the bank. FOR ACCOUNT HOLDER

ব্যবসায়িক ঋণের আবেদনের কভার লেটার

Subject: Application for business loan of Rs. Dear Sir/Madam, I/We, , wish to apply for a business loan of Rs. , for the purpose of: . I/We enclose the required financial statements, business proofs, and KYC documents as per your checklist, and look forward to your favourable consideration. Date:

VEHICLE LOAN AGREEMENT

This Agreement is executed on BETWEEN (hereinafter "the Lender") Address: AND (hereinafter "the Borrower") Address: for financing the purchase of the following vehicle (the "Vehicle"): 1. LOAN The Lender has advanced Rs. to the Borrower at % per annum, repayable over months. 2. REPAYMENT 2.1 The loan with interest shall be repaid in equated monthly instalments as follows: EMI amount : Rs. Date of first EMI : Each later EMI falls due on the same day of each following month. 2.2 Payments shall be made by bank transfer, mandate or cheque to the Lender's designated account. The Lender shall give a statement of account on request. 2.3 The Borrower may prepay the whole or any part of the loan with interest accrued to the date of prepayment, on such charges, if any, as are agreed in writing. 3. HYPOTHECATION 3.1 The Vehicle shall stand hypothecated to the Lender as security until the loan is fully repaid, and the Borrower shall not sell, transfer, let out or further encumber it without the Lender's written consent. 3.2 The Borrower shall have the hypothecation entered in the certificate of…

ব্যাঙ্ক অ্যাকাউন্ট বন্ধ করার অনুরোধপত্র

The Branch Manager , Date: Subject: Request to close account no. Sir/Madam, 1. I, , hold account number with your branch. Type of account : Address : 2. I request that the said account be CLOSED. 3. REASON 4. SETTLEMENT OF THE BALANCE 5. I confirm that: (a) I am returning herewith all unused cheque leaves, the cheque book, the passbook and the debit card relating to the account; (b) I have cancelled or transferred all standing instructions, ECS and auto-debit mandates linked to this account; (c) there is no lien, hold or outstanding obligation on the account known to me. 6. I request that you kindly: (a) confirm the closure in writing and issue a closure certificate; (b) furnish a final statement of account; (c) confirm that no further charges will be levied after closure; and (d) inform me of any closure charge applicable. Yours faithfully, Account No.: Contact: DOCUMENTS RETURNED Cheque book [ ] Passbook [ ] Debit card [ ] Unused leaves: THINGS THAT GO WRONG WHEN CLOSING AN ACCOUNT CANCEL YOUR STANDING INSTRUCTIONS FIRST. An auto-debit hitting a closed or zero-balance account does…

TERM DEPOSIT CONFIRMATION AND DEPOSITOR'S…

Depositor : Bank / NBFC : Branch : Deposit / receipt no. : 1. PARTICULARS OF THE DEPOSIT This confirms that has placed a term deposit of Rs. with on , for a tenure of months at % per annum. Maturity date : Interest payout : 2. INSTRUCTIONS ON MATURITY Instruction : Account for credit of interest and maturity proceeds: Where no instruction is recorded above, the deposit shall be dealt with on maturity according to the institution's terms for term deposits. 3. NOMINATION Nominee(s) as registered with the institution, with relationship and share: A nomination, or any change in it, takes effect only when made in the form prescribed by the institution and registered by it. 4. PREMATURE WITHDRAWAL Premature withdrawal, if permitted, shall be subject to the institution's applicable penalty terms. 5. TAX Interest on the deposit is subject to deduction of tax at source as required under applicable income-tax law. 6. INSTITUTION'S TERMS This record is subject to the institution's terms and conditions for term deposits. The deposit receipt or advice issued by the institution is the primary…

ক্রেডিট কার্ড পেমেন্ট বিরোধ পত্র

The Manager Date: Subject: Dispute regarding credit card transaction, card ending Dear Sir/Madam, I, , holder of the credit card ending issued by you, wish to dispute the following transaction(s) on my card: REASON FOR DISPUTE I request you to: 1. investigate the disputed transaction(s) and, where a chargeback is available, raise it with the merchant's bank; 2. reverse the disputed amount, and meanwhile not levy interest, late payment charges or other charges on it; 3. where the transaction was not authorised by me, deal with it under the Reserve Bank of India's directions on customer liability in unauthorised electronic banking transactions, including the time they allow for crediting the amount to my account; and 4. send me a written reply giving the outcome of your investigation and a reference number for this complaint. If I do not receive a reply within thirty days, or I am not satisfied with the reply, I may approach the Ombudsman under the Reserve Bank - Integrated Ombudsman Scheme, 2026. Yours sincerely, Card ending:

BANK LOCKER AGREEMENT

This Agreement is executed on between , branch at (hereinafter "the Bank"), and (hereinafter "the Customer"). 1. LOCKER HIRE The Bank agrees to let out Locker No. to the Customer for an annual rent of Rs. , payable in advance. 2. ACCESS The Customer shall have access to the locker during the Bank's normal working hours, subject to the Bank's security procedures. 3. NOMINATION 3.1 The Customer nominates the following person or persons, in the order listed, to be given access to the locker and to remove its contents in the event of the Customer's death: First nominee : Second nominee : Third nominee : Fourth nominee : 3.2 This is a successive nomination under the Banking Regulation Act, 1949, as amended by the Banking Laws (Amendment) Act, 2025. A nominee lower in the list becomes entitled only if each nominee placed above has died. 3.3 The nomination shall be registered in the nomination form prescribed under the applicable nomination rules, and the Customer may vary or cancel it at any time in the same manner. 4. LIABILITY The Bank's liability in respect of the locker's contents…

বেতন অ্যাকাউন্ট স্থানান্তর অনুরোধ

The Branch Manager , Date: Subject: Request in respect of salary account no. Sir/Madam, 1. I, , hold a salary account bearing number with your branch. 2. The said account was opened as a salary account in connection with my previous employment. I have since changed employment. Previous employer : New employer : 3. MY REQUEST Request: New branch (where a transfer of the account is requested): 4. I request that you kindly: (a) process the above request at the earliest; (b) confirm whether the account will continue as a salary account or be converted to a regular savings account, and inform me of any minimum balance requirement that will consequently apply; (c) ensure that all standing instructions, auto-debits, ECS mandates and linked services attached to the account continue uninterrupted; and (d) confirm that the account number, IFSC and debit card details will remain unchanged, or inform me of the revised particulars. 5. My KYC documents are on record with the Bank. If any update is required, kindly let me know and I will furnish it. I enclose the documents listed below in support…

ই. এম. আই পুনর্গঠনের অনুরোধ পত্র

The Branch Manager / Loan Recovery Department , Date: Subject: Request for restructuring of loan account no. Sir/Madam, 1. LOAN PARTICULARS Borrower : Loan account no. : Type of loan : Outstanding amount : Rs. Current EMI : Rs. 2. That I have availed the above loan from the Bank and I wish to continue servicing it. 3. REASON FOR THE PRESENT DIFFICULTY 4. That the above circumstances are genuine and are beyond my control, and have materially affected my capacity to service the loan at the existing EMI. 5. PROPOSED ARRANGEMENT 6. That I have no intention whatsoever of avoiding my liability. I remain committed to repaying the entire outstanding amount, and I am approaching the Bank so that the loan can be serviced regularly on revised terms. 7. That a restructuring on the lines proposed would enable me to service the loan regularly, and would be in the interests of both the Bank and myself, as against the alternative of default and recovery proceedings. 8. I request that the Bank kindly: (a) consider this request sympathetically and inform me of its decision in writing; (b) inform me…

কোনও বকেয়া শংসাপত্রের অনুরোধ নেই

The Branch Manager Date: Subject: Request for No Dues Certificate and return of documents, loan account no. Sir/Madam, 1. I, , held a loan account bearing number with your branch. Type of loan: 2. The said loan was repaid in full on . To my knowledge, no amount remains outstanding under the said facility. 3. I therefore request that you kindly issue the following: (a) A NO DUES CERTIFICATE confirming that the loan has been repaid in full and that no amount remains due from me; (b) A LOAN CLOSURE STATEMENT reflecting the final position of the account; (c) Return of all ORIGINAL DOCUMENTS and securities held by the Bank in respect of the said loan, including those listed below: (d) Return of all unused post-dated cheques, security cheques and any signed blank instruments held by the Bank; (e) Cancellation of any lien, hypothecation or charge created in favour of the Bank, and issue of the No Objection Certificate required for its removal from the records of the concerned authority. 4. I further request that the Bank update the closure of this account with the credit information…

ক্রেডিট রিপোর্ট বিতর্ক পত্র

The Grievance Redressal Officer Date: Subject: Dispute regarding incorrect entries in my credit information report Sir/Madam, 1. MY DETAILS Name : PAN : Address : Report number : 2. DISPUTED ENTRIES On reviewing my credit information report, I have found the following entries to be incorrect: 3. THE CORRECT POSITION 4. SUPPORTING DOCUMENTS 5. REQUEST I request that you kindly: (a) Investigate the disputed entries and take up the matter with the credit institution concerned; (b) Correct or delete the incorrect entries from my credit information report; (c) Provide me with an updated copy of my credit information report once the correction has been effected; (d) Confirm to me in writing the outcome of the investigation and the action taken; and (e) Inform me if any entry is not corrected, together with the reasons. 6. STATUTORY BASIS 6.1 Under the Credit Information Companies (Regulation) Act, 2005 and the regulations made under it, a credit information company is required to take steps to update credit information and to correct or delete inaccurate information on being satisfied of…

TAX INVOICE

GSTIN: Invoice No. : Invoice Date : BILL TO: GSTIN: Place of supply : Nature of supply: PARTICULARS Total taxable value : Rs. GST rate : % For an INTRA-STATE supply, tax is charged as CGST and SGST/UTGST at half the above rate each. For an INTER-STATE supply, tax is charged as IGST at the full rate above. CGST amount : Rs. SGST/UTGST amount : Rs. IGST amount : Rs. Cess, if applicable : Rs. Total invoice value : Rs. Amount in words: Rupees only DECLARATION We declare that this invoice shows the actual price of the goods or services described, and that all particulars are true and correct. Whether tax is payable on reverse charge basis: NO / YES (strike out as applicable) For Authorised Signatory Name: Designation: PARTICULARS REQUIRED IN A TAX INVOICE (RULE 46, CGST RULES, 2017) A tax invoice must contain, among other things: 1. Name, address and GSTIN of the supplier 2. A consecutive serial number, unique for a financial year, not exceeding sixteen characters, containing only alphabets, numerals, hyphen and slash 3. Date of issue 4. Name, address and GSTIN of the recipient, where…