Promissory Note

Loans

Quick Definition

A Promissory Note is a written, legally binding document in which one party promises to pay a specific amount of money to another party at a specified time or on demand.

Detailed Explanation

A Promissory Note is a financial instrument that records a borrower’s promise to repay a loan. It includes key details such as amount, interest rate, repayment date, and parties involved.

In India, promissory notes are governed by the Negotiable Instruments Act 1881 and are widely used in both personal and business lending.

Key Elements of a Promissory Note

  • Name of borrower and lender
  • Loan amount
  • Interest rate (if applicable)
  • Repayment terms and due date
  • Signature of the borrower

Types of Promissory Notes

  • Demand Promissory Note: Payable on demand
  • Time Promissory Note: Payable on a specific date

Promissory Note vs Loan Agreement

  • Promissory Note: Simple promise to pay
  • Loan Agreement: Detailed contract with terms and conditions

Why Promissory Note Matters

  • Provides legal proof of debt
  • Ensures clarity in repayment terms
  • Useful in dispute resolution

Example

"A borrower signs a promissory note agreeing to repay ₹50,000 to a lender within 6 months."

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