Article 2.2 only provides for the rate of interest applicable to the said loan as on the date of execution of the agreement. Proviso under Article 2.2(a) is to the effect that in the event the Bank reduces or increases the interest rate prior to the disbursement of the full loan, the applicable rate of interest shall be varied on weighted average basis with reference to the loan amount disbursed/to be disbursed. From the proviso, it is clear that the revision of rate of interest is permissible only if there is a reduction or enhancement by the Bank prior to disbursement of the full loan. In this case, it is an admitted fact that the enhancement is effected after disbursement of the entire loan amount. Regarding the contention under Article 2.6(c) which is given under separate head as amortisation, relied on by the conunsel for the petitioner, it is to be noted that the rate provided is for review and rescheduling repayment terms of the loan or the outstanding amount thereof at the discretion of the Bank. But in this provision nothing is stated regarding interest. At the same time Article 2.7(b) refers to interest, on delay in payment. Therefore on an overall examination of the documents Ext.P1 as well as Ext.P3, it can be seen that wherever Bank
