Banking & Finance

Comprehensive Legal Advisory Across India’s Constantly Evolving Lending and Financial Markets

Our Banking, Finance, and Project Infrastructure team is composed of highly skilled and experienced legal professionals who provide comprehensive and tailored solutions to meet the complex needs of our clients in the financial sector. We work closely with banks, financial institutions, multinational corporations, and government entities to deliver clear, strategic, and cost-effective legal advice in navigating India’s constantly evolving, complex, dynamic, and highly regulated financial environment.

Our team blends deep legal knowledge with commercial understanding to advise on broad range of domestic and cross-border lending transactions for lenders, investors and borrowers across the credit spectrum.  From documentation to due diligence to negotiation and closing, we help clients execute transactions that are secure, efficient, and enforceable.

Project Finance

• We provide end-to-end legal support for large-scale infrastructure projects across sectors including energy (renewable), transport, urban development, and telecommunications, roads, metro rail, ports, steel, oil & gas, real estate;
• We have represented financial institutions, project sponsors, and government bodies in complex financing structures, including PPP and EPC projects across various sectors viz., power, renewable energy, roads, metro rail, ports, steel, oil & gas etc.;
• We have undertaken thorough legal due diligence of project documents in line with the loan terms;
• We have expertise in drafting, reviewing and negotiating project documents (viz., concession agreements/ EPC contracts) with authorities (viz., NHAI/ PWD/ TRANSCO etc.) as well as finance documents towards achieving financial closure, including common loan agreements, security documents, escrow agreements, substitution agreements etc.;
• We provide strategic legal advice to identify, manage, and allocate legal risks involved, while ensuring full regulatory and contractual compliance.

Real Estate Finance

• We have represented banks, financial institutions, borrower/ sponsors in real estate funding transactions, including commercial/ residential projects.
• We have expertise in drafting, reviewing and negotiating loan documents including security creation by way of mortgage, negative lien, hypothecation.
• We have been working with major real estate players like L&T Realty, Prestige, MRG, Shriram, Kalpataru, JP Infra etc., to name a few.
• We have conducted thorough due diligence of material project documents such as development agreements, lease deeds, permission to mortgage etc., and are known for our solution oriented approach to see that financial closure is achieved keeping the interest of all the stakeholders.
• Our team is expert in providing strategic legal advice on compliance, identifying and mitigating legal risks involved etc.

Corporate Finance

• We have expertise in documentation of various term loans for various corporate purposes;
• We have represented our clients on various consortium and bilateral (MBA) loan arrangements, common security creation etc.;
• We conduct regular legal due diligence of the borrowing entities to ensuring compliance;
• We represent our clients in negotiations involving consortium or multiple banking arrangements, ensuring their interests are strategically protected throughout the process. From loan agreements and facility documentation to complex security structures, we work diligently to safeguard the lender’s rights and position, providing clear, commercially sound advice that supports secure and efficient deal execution.
• We assist our clients with the process of security perfection and registration as may be required.
• We have also advised promoter entities on various compliance issues faced by them, dealing with various authorities.

Working Capital Funding

• The firm is well known in the banking industry for handling big consortium lending for working capital requirements of borrowing entities.
• The firm takes pride in the fact that in the recent past, the firm has handled key lending transactions in this segment including that of Megha Group, Pennar Group, Ramkey Group, Navayuga Group etc., to name a few.
• We have been advising consortium of lenders in respect of security creation of vast set of properties spread across the country in various state jurisdiction, advising the lenders on the security structure to protect the interest of the lenders. have also praised us for the compliance We are have expertise in drafting, reviewing and negotiating loan documents including security creation by way of mortgage, negative lien, hypothecation.
• We have conducted thorough due diligence of material project documents such as development agreements, lease deeds, permission to mortgage etc., and are known for our solution oriented approach to see that financial closure is achieved keeping the interest of all the stakeholders.
• Our team is expert in providing strategic legal advice on compliance, identifying and mitigating legal risks involved etc.

Debt Restructuring

• We have undertaken drafting and reviewing of resolution plans under RBI’s Prudential Framework, finalising inter-creditor agreements among the lenders, structuring of the documentation, security creation/ continuance etc.;
• Ensuring compliance with the relevant laws and regulatory frameworks;
• Represent clients as legal advisors in meetings of the Joint Lenders’ Forum (JLF), COC, or other discussions;
• Assisting in various filings and reporting as provided under the regulatory guidelines.

Securitisation/ Debt Assignment

• We have established a strong practice and reputation in providing our legal advisory services to various banks, NBFCs, ARCs and process advisors in conducting securitisation transactions, including through Swiss challenge process under SARFAESI towards assignment of debt to NARCL/ other ARCs/ NBFCs.
• We have been advised lenders/ ARCs for sale of assets under SARFAESI
• We have assisted lenders/ ARCs for direct assignment of debt to ARCs/ NBFCs through price discovery.
• We have worked with multiple process advisors like BOBCAPs, IDBI Capital, PNBISL etc. during the price discovery and Swiss challenge mechanism processes being followed under sale of assets/ assignment of debt/ securitisation under SARFAESI.

Cross-Border lending

• The firm has been advising lenders on FEMA and other cross-border related loan structuring
• We have handled ECB related compliance

Regulatory Advisory/ Digital Lending

• We have been closely working with bank and other lending institutions in respect of advisory services related to various issues under SEBI, RBI, IRDAI, and NHB.
• We are also advising banks and NBFCs over latest regulatory guidelines on digital lending, data privacy issues involved in lending transaction and policy revamping.
• Our banking team has a seamless Integration with Firm’s other teams like insolvency, real estate, corporate advisory, with the object of offering a comprehensive package of services for the clients.

Debenture Issuance:

• We assist and advice structuring terms in line with regulatory, tax, and commercial considerations and provide end to end support for debenture issuance;
• We have worked with few corporate issuers We handle compliance with the various regulatory bodies such as SEBI, RBI and ensuring various filings with Registrar of companies;
• Drafting of various documents necessary for the transaction on case-to-case basis and assisting our clients wherever necessary.

Our Banking & Finance team brings a transaction-driven, solution oriented, commercially pragmatic approach to legal advisory. Whether it’s a complex multi-currency syndication, a fintech-led loan product, or a high-value infrastructure project, IndiaLaw provides timely, effective, and strategic legal solutions.

We are known for acting not only as lender’s legal counsel, but also as deal counsel and at times the borrowing entity’s strategic advisors, giving us a 360-degree view of market standards, deal drivers, and negotiation dynamics.