Finance and Banking

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 by way of . 1.3 The Borrower acknowledges receipt of the Loan and confirms that this Agreement constitutes an acknowledgment of debt. 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 interest over a tenure of months, on the following basis: . 3.2 All payments shall be made by bank transfer to the Lender's designated account, and shall be applied first towards costs, then interest, then principal. 3.3…

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…

PAYMENT RECEIPT

Date: Received with thanks from a sum of Rs. via , towards . 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") and (hereinafter "the Borrower"). WHEREAS the Borrower owes the Lender Rs. under an earlier loan, and the parties have agreed to settle the matter 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 . 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. DEFAULT Should the Borrower fail to pay the settlement amount by the due date, this settlement shall stand void and the Lender's original claim, including the full original amount, shall revive. IN WITNESS WHEREOF the parties have executed this Agreement on the date first written above. LENDER BORROWER

CHEQUE STOP PAYMENT LETTER

The Branch Manager , Date: Subject: Stop payment instruction — 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 parties.…

LOAN FORECLOSURE NOC REQUEST LETTER

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 , son/daughter/wife of , residing at (hereinafter "the Lender"); AND , son/daughter/wife of , residing at (hereinafter "the Borrower"). 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) by way of . 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 The loan has been advanced for the following purpose: . 3. INTEREST 3.1 The loan shall carry simple interest at the rate of % per annum on the outstanding amount. 3.2 Where the rate stated above is nil, the loan is interest-free, and the Borrower shall repay only the principal sum. 4. REPAYMENT 4.1 The Borrower shall repay the loan…

GUARANTOR AGREEMENT

This Agreement is executed on between (hereinafter "the Lender") and , residing at (hereinafter "the Guarantor"), in respect of a loan of Rs. extended by the Lender to (hereinafter "the Borrower"). 1. GUARANTEE The Guarantor hereby guarantees repayment of the above loan, together with interest, in the event the Borrower fails to repay it as agreed. 2. EXTENT OF LIABILITY The Guarantor's liability under this guarantee shall not exceed Rs. , together with any interest and costs as may be agreed. 3. CONTINUING NATURE This guarantee shall remain in force until the loan is fully repaid, unless revoked earlier in accordance with law. IN WITNESS WHEREOF the parties have executed this Agreement on the date first written above. LENDER 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. (Rupees only) became due and payable by you to my Client on . 2.2 The said amount remains wholly unpaid to date. 2.3 My Client is additionally entitled to interest on the said sum at the rate of % per annum from the due date until the date of actual payment. 3. DEMANDS ALREADY MADE Despite the above, you have failed and neglected to make payment, and have offered no satisfactory explanation for the default. 4. ACKNOWLEDGMENT OF LIABILITY You have at no stage disputed your liability to pay the said amount. Your conduct amounts to an admission of the debt. 5. DEMAND You are hereby called upon to pay my Client the sum of Rs. , together with interest as stated above, WITHIN DAYS of receipt of this notice. Payment shall be made by demand draft or direct bank transfer in favour…

INSURANCE CLAIM LETTER

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 Rs. , as supported by the documents enclosed. 4. I confirm that the policy was in force on the date of the incident, that all premiums due had been paid, and that the loss falls within the cover granted. 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, not exclusions — delay. Most policies require the insurer to be informed within a short window of the incident, often twenty-four to…

CHIT FUND AGREEMENT

This Agreement is executed on between (hereinafter "the Foreman") and (hereinafter "the Member"), in respect of a chit fund of total value Rs. , registered under the Chit Funds Act, 1982. 1. CONTRIBUTION The Member agrees to contribute Rs. per month for months. 2. PRIZED AMOUNT The Member may bid for the prized amount in accordance with the scheme's rules, which the Foreman shall administer transparently and in accordance with applicable law. 3. DEFAULT Non-payment of a monthly contribution by the due date may attract penalties as per the scheme's rules, which shall be communicated to the Member in advance. IN WITNESS WHEREOF the parties have executed this Agreement on the date first written above. FOREMAN MEMBER

FIXED DEPOSIT NOMINATION FORM

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 following person to receive the amount of the above deposit in the event of my death, under Section 45ZA of the Banking Regulation Act, 1949 read with the Banking Companies (Nomination) Rules, 1985: Name of nominee : Relationship : Date of birth : Address : 3. WHERE THE NOMINEE IS A MINOR Where the nominee is a minor on the date of my death, I appoint to receive the amount on the nominee's behalf during minority. 4. DECLARATIONS 4.1 This nomination is made of my own free will and supersedes any earlier nomination in respect of the same deposit. 4.2 I may vary or cancel it at any time by written intimation to the Bank. 4.3 I request that the nomination be registered and an acknowledgment issued to me. Yours faithfully, WITNESSES (required where the depositor signs by thumb impression) 1. Name: Signature: 2. Name: Signature: FOR BANK USE Nomination registered on Reference: A NOMINATION DECIDES WHO RECEIVES — NOT WHO OWNS…

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

BUSINESS LOAN APPLICATION COVER LETTER

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") and (hereinafter "the Borrower"), for financing the purchase of: . 1. LOAN The Lender has advanced Rs. to the Borrower at % per annum, repayable over months. 2. HYPOTHECATION The vehicle described above shall stand hypothecated to the Lender as security until the loan is fully repaid, and the Borrower shall not sell, transfer, or further encumber it without the Lender's consent. 3. DEFAULT In the event of default, the Lender shall be entitled to repossess the vehicle in accordance with applicable law. IN WITNESS WHEREOF the parties have executed this Agreement on the date first written above. LENDER BORROWER

BANK ACCOUNT CLOSURE REQUEST LETTER

The Branch Manager , Date: Subject: Request to close account no. Sir/Madam, 1. I, , residing at , hold a bearing account number with your branch. 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 not…

TERM DEPOSIT CONFIRMATION

This confirms that has placed a term deposit of Rs. with on , for a tenure of months at % per annum. Premature withdrawal, if permitted, shall be subject to the institution's applicable penalty terms. For

CREDIT CARD PAYMENT DISPUTE LETTER

The Manager Subject: Dispute regarding credit card transaction — Card ending Dear Sir/Madam, I, , wish to dispute the following transaction on my credit card: REASON FOR DISPUTE I request you to investigate this transaction, reverse the disputed amount, and provide me with a written response as per the applicable RBI guidelines and the Banking Ombudsman Scheme, 2006. Yours sincerely, Date:

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 The Customer nominates to receive access to the contents of the locker in the event of the Customer's death, in accordance with the Bank's nomination rules. 4. LIABILITY The Bank's liability in respect of the locker's contents shall be governed by the Bank's applicable terms and conditions and RBI guidelines in force from time to time. 5. TERMINATION Either party may terminate this Agreement by written notice, upon which the Customer shall vacate the locker of all contents. IN WITNESS WHEREOF the parties have executed this Agreement on the date first written above. BANK CUSTOMER

SALARY ACCOUNT TRANSFER REQUEST

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 in connection with my employment with . I have since changed employment and am now employed with . 3. MY REQUEST Where the request is for a transfer of the account, I request that it be transferred to your branch. 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. I confirm that my KYC documents on record are current. I enclose the documents listed below in support of this request. 6. I request written confirmation once the…

EMI RESTRUCTURING REQUEST LETTER

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 been servicing the above loan and have endeavoured at all times to meet my obligations punctually. 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 proactively rather than allowing the account to fall into default. 7. That a restructuring on the lines proposed would enable me to resume regular servicing of the loan, 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…

NO DUES CERTIFICATE REQUEST

The Branch Manager , Date: Subject: Request for No Dues Certificate and return of documents — loan account no. Sir/Madam, 1. I, , held a with your branch bearing account number . 2. I confirm that the said loan has been repaid in full, and the account was closed on . 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, namely: (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 companies…

CREDIT REPORT DISPUTE LETTER

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. 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 registered 5. Where the recipient is unregistered and the value exceeds Rs. 50,000: name,…