Loan Agreement Format in Hindi (उधार इकरारनामा)

By the MuftTools.in teamUpdated October 2026How we check

उधार इकरारनामा in Hindi

In towns and villages across Hindi-speaking India, money is lent between neighbours, relatives and small traders all the time, and the paper is usually a handwritten note that leaves out the important parts. This page opens the loan tool in Hindi, so you get a proper ऋण अनुबंध: who lent, who borrowed, how much, on what date and by what means, the interest, how it will be repaid, and what happens if it isn't. Every clause is numbered, and the amount is written in Hindi words as well as figures.

The Hindi agreement, part by part

Part	What it says in Hindi
पक्षकार	ऋणदाता (lender) and ऋणी (borrower), with relation, age and address; ज़मानतदार (guarantor) if added
ऋण का विवरण	Amount, date, and whether it was given by बैंक ट्रांसफ़र, चेक or नकद
ब्याज	ब्याज-मुक्त, or a yearly rate of साधारण ब्याज, or interest built into instalments
वापसी	एक साथ by a date, मासिक किस्तें, or within a set number of days after a written demand
किस्त-सूची	Each instalment date, amount and the balance left, with the total
चूक	For instalments, the full balance falls due after the default period; recovery through legal means
हस्ताक्षर	Lender, borrower, guarantor and two गवाह

Filling it in

1. Type names as they appear on Aadhaar. You can type in Hindi or English; the agreement text stays in Hindi.
2. Enter the amount once. It appears in figures and as words such as "एक लाख रुपये मात्र".
3. For monthly instalments, give the number of instalments and the first due date. The tool works out the instalment and prints the किस्त-सूची.
4. Add the lender's bank account for repayments, so every payment leaves a record.
5. If something valuable is kept as security, such as a vehicle's RC, describe it. The agreement says it will be returned when the loan is repaid.

Cash, stamp paper and signatures

Lend through the bank. Under section 185 of the Income-tax Act, 2025, a loan of ₹20,000 or more cannot be taken in cash, and section 188 applies the same limit to repayment. Stamp duty on loan agreements is fixed by each state, so ask a notary or the stamp vendor for the value, print the agreement on that stamp paper or attach the e-stamp, and have both sides and two witnesses sign every page.

Before anyone signs, read the Hindi draft aloud in front of both sides. Check that the amount in figures matches the amount in words, that the dates in the किस्त-सूची are right, and that the names of the guarantor and witnesses are spelled as on their ID cards.

For extra security, switch to प्रोनोट (वचन पत्र) at the top and print a matching note for the borrower to sign across a revenue stamp. This is a draft format, not legal advice. Nothing you type leaves your browser.

Other loan formats

• Promissory note format

Need more options? Open the full Loan Agreement & Promissory Note Generator.