The loan

Direction

Company type

Borrower

Lender

Paid-up share capital

₹

Free reserves

₹

Securities premium

₹

Existing loans / guarantees / investments (Sec 186)

₹

Existing amounts outstanding from members

₹

Proposed amount

₹

Private-company exemption conditions (tick what is true) No body corporate holds shares in the company Borrowings from banks, FIs and body corporates are below the lower of 2x paid-up capital and ₹50 crore No subsisting default in repaying those borrowings The company lends in its ordinary course of business at not less than the prescribed interest DPIIT-recognised startup

Verdict

Point	Detail

A first-pass screen of Sections 185 and 186 and the Companies (Acceptance of Deposits) Rules, 2014, including the private-company exemption notifications. It cannot see your articles, sanction terms, group structure or the purpose of funds, all of which matter. Loans received must not be out of the lender’s borrowed funds (declaration required from directors and relatives), and exempt receipts are still reported in DPT-3. Verify with your company secretary before committing. Not legal advice.

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