Loan Option
Term Sheet: Seed Round 1-C
The loan option provided herein does not constitute an investment in the company. A lender assumes no liability for the company's profit or loss. This loan is purely a debt arrangement between the lender and the company.
Loan Parameters
| Parameter | Value |
|---|---|
| Minimum loan amount | ₹1 lakh |
| Maximum loan amount | ₹1 crore |
| Lock-in period | 1 year |
Tiered Interest Rate Structure
Higher loan amounts enjoy lower interest rates:
| Loan Slab | Amount Range | Interest Rate |
|---|---|---|
| Slab 1 | First ₹25 Lakh | 25% p.a. |
| Slab 2 | Next ₹25 Lakh | 22% p.a. |
| Slab 3 | Next ₹50 Lakh | 20% p.a. |
Example Calculations
Example 1: ₹25 Lakh Loan (Single Slab)
Principal: ₹25,00,000
Interest: ₹25,00,000 × 25% × 1 year = ₹6,25,000
Maturity Amount = ₹31,25,000
Example 2: ₹50 Lakh Loan (Two Slabs)
| Slab | Amount | Rate | Interest |
|---|---|---|---|
| Slab 1 | ₹25,00,000 | 25% | ₹6,25,000 |
| Slab 2 | ₹25,00,000 | 22% | ₹5,50,000 |
| Total | ₹50,00,000 | - | ₹11,75,000 |
Maturity Amount = ₹61,75,000
Effective Interest Rate: 23.5% p.a.
Example 3: ₹1 Crore Loan (All Slabs)
| Slab | Amount | Rate | Interest |
|---|---|---|---|
| Slab 1 | ₹25,00,000 | 25% | ₹6,25,000 |
| Slab 2 | ₹25,00,000 | 22% | ₹5,50,000 |
| Slab 3 | ₹50,00,000 | 20% | ₹10,00,000 |
| Total | ₹1,00,00,000 | - | ₹21,75,000 |
Maturity Amount = ₹1,21,75,000
Effective Interest Rate: 21.75% p.a.
Interest Rate Summary
| Loan Amount | Effective Rate | 1-Year Interest | Maturity Amount |
|---|---|---|---|
| ₹1 Lakh | 25.00% | ₹25,000 | ₹1,25,000 |
| ₹10 Lakh | 25.00% | ₹2,50,000 | ₹12,50,000 |
| ₹25 Lakh | 25.00% | ₹6,25,000 | ₹31,25,000 |
| ₹50 Lakh | 23.50% | ₹11,75,000 | ₹61,75,000 |
| ₹75 Lakh | 22.00% | ₹16,50,000 | ₹91,50,000 |
| ₹1 Crore | 21.75% | ₹21,75,000 | ₹1,21,75,000 |
Higher loans = Better effective rates
Loan - Terms & Conditions
Loan Amount
- The minimum lending amount per lender is set at ₹1 lakh
- The maximum allowed amount is ₹1 crore
- Lending amounts should be made in multiples of ₹1 lakh
Tenure & Lock-in
- The loan tenure is fixed at 1 year
- A minimum lock-in period of 1 year is mandatory
Interest Calculation
- Interest is calculated using the tiered slab structure
- Interest is computed as simple interest on each slab
- Total interest = Sum of interest from all applicable slabs
Maturity & Payout
- Upon maturity, the lender is entitled to a full refund of the principal amount, along with the accrued loan interest
- Payouts will be processed within 15 days from the maturity date
Conversion Option
- If the lender wishes to opt for a convertible or stock option, a written expression of intent must be provided before 30 days of the maturity date
- This option is subject to management approval
- Conversion terms will be based on prevailing investment terms at the time of conversion
Comparison: Loan vs CCPS Investment
| Parameter | Loan Option | CCPS Investment |
|---|---|---|
| Type | Debt | Equity-linked |
| Return | Fixed (20-25% p.a.) | Variable (30-400%+) |
| Risk | Lower | Higher |
| Ownership | None | Potential equity |
| Lock-in | 1 year | Until conversion |
| Guaranteed Return | Yes | No (but protected) |
Company Details
- Legal Name: OX Agry Private Limited
- CIN: U01100TN2022PTC149276
- GSTIN: 33AADCO6794P1ZO
- Address: 105, South Anna Nagar, Dindigul Road, Palani - 624601, Tamil Nadu, India
Contact Information
- Email: investments@oxagry.com
- Website: www.oxagry.com
Document Version: 1.0.0 Issue Date: January 2026 Last Updated At: January 2026
© 2026 OX Agry Private Limited. All rights reserved.