---
title: "Fintech and Digital Innovation"
date: 2025-05-08
author: "IndiaLaw LLP"
url: https://www.indialaw.in/expertise/technology-law/fintech-and-digital-innovation/
---

![Fintech Lawyers in India: RBI, SEBI & Digital Lending](https://www.indialaw.in/wp-content/uploads/0ivop5v4mmu.jpg)

# Fintech and Digital Innovation

## Fintech and Digital Innovation Law Firm in India for RBI and SEBI Compliance

We guide startups and financial institutions through the regulatory, contractual, and compliance challenges associated with innovative fintech offerings. Our support covers product development, licensing, and interfacing with regulators.

## Our Services

- Regulatory advisory on RBI, SEBI, and IT Act compliance
- Structuring of digital wallets, payment gateways, and neobanking services
- KYC/AML frameworks and data management
- Drafting platform terms, service agreements, and disclosures
- Tokenization and digital lending compliance
- Advice on P2P, BNPL, and crypto-linked services
- Support during sandbox participation and license applications
- Risk and liability structuring for digital products

[![Dinesh Gupta, Partner at IndiaLaw LLP](https://www.indialaw.in/wp-content/uploads/DINESH.png)

#### Dinesh Gupta

Partner

contact@indialaw.in](https://www.indialaw.in/people/dinesh-gupta/)

### FAQs

#### What does a fintech and digital innovation legal practice cover?

It covers regulatory advisory, licensing, product structuring, and compliance for technology-driven financial services. This includes digital wallets, payment gateways, neobanking, digital lending, P2P platforms, BNPL models, and tokenisation, along with drafting platform agreements and interfacing with regulators.

#### When should a fintech company engage a regulatory lawyer in India?

Ideally before product launch. RBI and SEBI frameworks require licensing or registration at early stages. Engaging counsel during product design helps structure offerings within regulatory boundaries, avoiding costly pivots after launch or enforcement notices from regulators.

#### Which Indian regulators and statutes govern fintech businesses?

RBI oversees payments, digital lending, and prepaid instruments under the Payment and Settlement Systems Act. SEBI regulates investment platforms. The IT Act and DPDP Act govern data handling. FEMA applies where cross-border fund flows are involved. Multiple frameworks often overlap for a single product.

#### How long does it typically take to obtain an RBI payment aggregator licence?

The process generally spans 6 to 12 months, depending on application completeness and RBI review cycles. Key cost drivers include net worth requirements, system audit reports, compliance infrastructure setup, and ongoing reporting obligations that must be operational before the licence is granted.

#### What documents should a fintech startup prepare before seeking legal advice?

Prepare your product flow diagrams, fund flow architecture, draft terms of service, KYC and AML policies, data storage and processing details, existing contracts with banking partners, and any prior correspondence with regulators. These allow counsel to identify licensing gaps and compliance risks efficiently.

#### What common compliance mistake do Indian fintech companies make?

Many treat digital lending or payment services as pure technology plays and skip RBI registration requirements. Operating without proper authorisation, even through a partner bank model, can trigger enforcement action. Misclassifying the entity’s role in the fund flow is a frequent and avoidable error.

[### People

Meet our team of experts](https://www.indialaw.in/people/)### Careers

Explore career opportunities[### Contact Us

Tell us what you're looking for](https://www.indialaw.in/connect/)

### Subscribe

Legal developments to your inbox

---

# IndiaLaw LLP — Offices & Contact Details

---

## General Contact

| | |
|---|---|
| **Website** | https://www.indialaw.in |
| **Primary email** | contact@indialaw.in |
| **Primary phone** | +91 836-9995919 |
| **Contact form** | https://www.indialaw.in/connect/ |
| **Careers (separate channel)** | https://www.indialaw.in/careers/ |


---

## All Offices (9 locations across 8 cities)

### 1. Mumbai — Registered Office & Head Office (Apeejay Chambers)

| | |
|---|---|
| **Address** | Apeejay Chambers, Ground Floor, Wallace Street, Fort, Mumbai – 400 001 |
| **Phone** | [022-6924-7400](tel:02269247400) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/mumbai/ |
| **Practice focus** | Litigation · Arbitration · Insolvency & Bankruptcy · Corporate · Banking · Real Estate · IP |
| **Notes** | The HQ. 5 partners based here. Handles PAN-India litigation, arbitration, corporate, banking, IP and real estate practice. Largest team across all offices. |

### 2. Mumbai — Non-Litigation Office (Excelsior, Fort)

| | |
|---|---|
| **Address** | 4th Floor, New Excelsior Theatre Pvt. Ltd., Amrit Keshav Nayak Marg, Fort, Mumbai – 400 001 |
| **Phone** | [022-697-40500](tel:022-697-40500) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/mumbai/ |
| **Practice focus** | Non-litigation only — consultations, negotiations, transactional work |
| **Notes** | Opened 2024. Litigation and arbitration remain at the Apeejay Chambers head office. |

### 3. Delhi

| | |
|---|---|
| **Address** | Flat No. 1107 & 1108, Prakashdeep Building, Tolstoy Marg, Connaught Place, New Delhi – 110 001 |
| **Phone** | (general line: +91 836-9995919) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/delhi/ |
| **Practice focus** | Litigation · Arbitration · Insolvency & Bankruptcy · Corporate · Banking · Real Estate |
| **Notes** | 3 partners based here. Located near the Supreme Court of India, Delhi High Court and other appellate bodies. |

### 4. Kolkata

| | |
|---|---|
| **Address** | Centre Point Building, Room No. 214, 2nd Floor, Premises No. 21, Hemanta Basu Sarani, Opp. Great Eastern Hotel, P.S. Hare Street, Kolkata – 700 001, West Bengal |
| **Phone** | [+91 33 4813 1001](tel:+913348131001) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/kolkata/ |
| **Practice focus** | Insolvency & Bankruptcy · Commercial & Civil Litigation · Arbitration · Banking Litigation · Real Estate · Labour & Employment · Consumer |
| **Notes** | Advises banks, NBFCs, MSMEs and corporates on transactions and dispute resolution. Works in close coordination with the Mumbai HO. |

### 5. Chennai

| | |
|---|---|
| **Address** | GF-A, 19 Casa Major Road, Egmore, Chennai – 600 008 |
| **Phone** | (general line: +91 836-9995919) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/chennai/ |
| **Practice focus** | Litigation · Insolvency & Bankruptcy · Real Estate |
| **Notes** | Full-fledged office with experienced legal team. Supported by Mumbai HO. |

### 6. Bengaluru (Bangalore)

| | |
|---|---|
| **Address** | INDIALAW LLP, No. 7 Chinnaswamy Mudaliar Road, Shivaji Nagar, Bangalore – 560 051 |
| **Phone** | [080-4167-2444](tel:08041672444) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/bengaluru/ |
| **Practice focus** | Litigation · Insolvency & Bankruptcy · Real Estate · Family Laws · Labour |
| **Notes** | Located near Bangalore High Court. Handles corporate, commercial, banking and matrimonial disputes. |

### 7. Hyderabad

| | |
|---|---|
| **Address** | 403, 4th Floor, Sanatana Ecstasy Building, beside Tanishq Show Room, Himayathnagar, Hyderabad – 500 029, Telangana |
| **Phone** | [040-6666-5166](tel:04066665166) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/hyderabad/ |
| **Practice focus** | Litigation · Banking · Insolvency & Bankruptcy · Real Estate |
| **Notes** | Particularly well known for complex banking matters and real estate transactions. |

### 8. Cochin (Kochi)

| | |
|---|---|
| **Address** | Second Floor, Pulikkal Building, K.K. Padmanabhan Road, Ernakulam North – 682 018, Kerala |
| **Phone** | [0484-3583961](tel:04843583961) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/cochin/ |
| **Practice focus** | Litigation · Insolvency & Bankruptcy · Real Estate |
| **Notes** | Commercial disputes, property litigation, financial-claim arbitrations and real estate transactions. |

### 9. Noida (NCR)

| | |
|---|---|
| **Address** | No. 16 & 17, Silver Offices, 17th Floor, Wave One, Sector 18, Noida – 201 301 |
| **Phone** | (general line: +91 836-9995919) |
| **Email** | contact@indialaw.in |
| **Page** | https://www.indialaw.in/noida/ |
| **Practice focus** | Aviation · Insurance · Mergers & Acquisitions · Corporate |
| **Office head** | **Mr. Dinesh Gupta** (joined August 2025 to lead and expand the corporate practice) |
| **Notes** | Newest office. Sector-focused on highly regulated industries serving NCR-based clients. |

---

## Quick-Dial Phone List

| Office | Phone |
|---|---|
| Mumbai HO (Apeejay) | 022-6924-7400 |
| Mumbai Excelsior | 022-697-40500 |
| Kolkata | +91 33 4813 1001 |
| Bengaluru | 080-4167-2444 |
| Hyderabad | 040-6666-5166 |
| Cochin | 0484-3583961 |
| **General / Marketing line** | **+91 836-9995919** |

Delhi, Chennai and Noida route through the general number.

---

## Social Channels

- LinkedIn: https://www.linkedin.com/company/indialaw
- X / Twitter: https://twitter.com/Indialawmumbai
- Facebook: https://www.facebook.com/indialawllp/
- Instagram: https://www.instagram.com/indialawllp

---