Loan agreements outline crucial terms between lenders and borrowers, covering details like loan amount, interest rate, and repayment schedule. Digital signatures simplify the signing process, enhance security, and ensure document authenticity. They provide a legally binding method, reducing fraud risk and speeding up processes. RBI mandates digitally signed loan documents sent to the borrower post-execution, requiring both parties’ signatures. While a liberal view suggests only lenders need to sign, auditable borrower consent via eSign or Secure Virtual Signatures remains necessary. RBI guidelines mandate IT Act compliant digital signatures for all digital lending, including fintech platforms, rejecting click-wrap methods. Lenders must provide digitally signed document kits upon execution and ensure compliance for existing loans by set deadlines. TRUESigner ONE supports lenders in achieving swift compliance, managing document backlogs, and implementing effective digital signature workflows.