e-StampNotary
What the agreement has to fix
- The amount, and how it was paid — by cheque, transfer or otherwise, with the reference recorded. A loan paid in cash with no record is very hard to prove.
- Interest — the rate, whether simple or compound, when it accrues, and what happens on default.
- Repayment — a schedule of dates and amounts, or a single due date. Say what happens to part-payments and in what order they are applied.
- Security, if any — a guarantee, post-dated cheques, a charge over goods or property. Where the security is immovable property, that is a mortgage and it must be registered.
- Default — what counts as one, whether the whole sum becomes payable, and what the lender may do.
- Dispute resolution and jurisdiction.
Cheques taken as security are useful, but a section 138 complaint runs on strict timelines: present within the validity period, demand notice within 30 days of the bank's intimation of dishonour, 15 days for the drawer to pay, complaint within one month of that period expiring. A cheque held for two years and then banked is often past saving. Cheque bounce matters →
Lending within the family
Most of the loan agreements drafted at this counter are between relatives, and that is precisely why they should be written down. An undocumented family loan becomes, after a death, a disputed gift — and the person who lent the money is usually no longer there to explain. Write it down, and if the intention is that it need not be repaid, write that down instead.
We do not publish duty figures on this website. The Gujarat Stamp Act, 1958 was amended in 2025 and several articles were restructured; a rate printed on a web page goes stale and costs somebody money. As a Government authorised e-Stamping centre we confirm the duty currently prescribed for your specific document and issue the e-stamp against it, at face value. The notarial fee is separate and capped by law — ₹35 to attest execution, ₹35 to administer an oath or take an affidavit, under Rule 10(1) of the Notaries Rules, 1956. The full fee table →
Drafted here, in Gujarati or English
Drafted by an advocate of 35+ years rather than filled into a downloaded template, e-stamped at a Government authorised centre, and notarised in the same visit. If the parties read Gujarati, the document is drafted in Gujarati — not translated out of an English form, because legal Gujarati has its own settled vocabulary and a literal translation frequently means something looser.
What to bring
- Photo ID and PAN for lender and borrower
- The amount and how it is being paid
- Agreed interest rate and repayment schedule
- Details of any security or guarantee offered