Loan Agreement Drafting
Loans between individuals, family, directors and companies
- 1ReviewTax and company-law checks.
- 2DraftAgreement prepared.
- 3ExecuteStamped; funds moved by bank.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About Loan Agreement Drafting
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
A loan agreement records the amount, interest, repayment schedule, security and default terms. Tax rules matter as much as the contract: loans of ₹20,000 or more can't be taken or repaid in cash (Sections 269SS and 269T), interest is taxable to the lender, and a loan from a closely held company to a substantial shareholder can be taxed as deemed dividend. A private company can accept loans from directors and their relatives without breaching the deposit rules if the required declaration is given.
Undocumented family loans are a common trigger for scrutiny — the tax officer may treat unexplained credits as income. A simple agreement with bank transfers, interest terms (or a stated interest-free arrangement) and repayment records avoids that.
For company loans, we check the Companies Act deposit rules, Section 185 restrictions on loans to directors, and deemed-dividend exposure before money moves.
| Cash limit | Loans of ₹20,000+ only through banking channels |
|---|---|
| Deemed dividend | Section 2(22)(e) for certain company loans to shareholders |
| Director loans to company | Allowed for private companies with declaration |
| Company loans to directors | Restricted under Section 185 |
| Interest | Taxable to lender; TDS may apply |
Who this is for
Common scenarios where this service is a good fit.
- Families lending money to each other
- Directors funding their companies
- Friends and business partners lending informally
What you get
Clear deliverables so you know exactly what's included.
- Loan agreement
- Tax and Companies Act review
- Repayment schedule
- Promissory note if required
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Tax and company-law checks.
Agreement prepared.
Stamped; funds moved by bank.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed quote on WhatsApp after a short look at your facts and documents.
- Government fees, if any, are paid at actuals and shown separately.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
