🏦 Banking & Finance Law

Structuring Transactions. Managing Risk. Ensuring Compliance.

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Practice Overview

Our Banking & Finance Law Practice

Our Banking & Finance Law practice advises banks, NBFCs, fintechs, corporate borrowers and investors on the full spectrum of financial law matters — from structuring complex financing transactions and drafting security documentation to navigating RBI regulatory requirements and resolving debt enforcement disputes.

Why Tamvada & Associates?

Specialist lawyer-led practice
40+ years combined experience
Transparent, fixed-fee billing
Virtual consultations available
NRI & cross-border expertise
Strict client confidentiality

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Free initial consultation · No obligation

What We Handle

Scope of Our Banking & Finance Law Services

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Loan Documentation

Drafting and reviewing facility agreements, term loan agreements, working capital facilities, syndicated loan documentation, inter-creditor agreements and subordination arrangements.

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Security Documentation

Drafting and perfecting security interests — mortgage deeds, pledge agreements, hypothecation deeds, assignments of receivables, guarantees and SARFAESI enforcement advisory.

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RBI Regulatory Compliance

Advisory for NBFCs, HFCs and fintechs on RBI registration requirements, master directions compliance, fair practices code, KYC/AML obligations and regulatory reporting.

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Fintech & Payments Regulation

Licensing advisory for payment aggregators, prepaid instrument issuers, account aggregators and lending platforms — including PA/PG guidelines and Digital Lending Guidelines.

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Debt Restructuring

Advisory on debt restructuring, one-time settlements, refinancing arrangements, inter-creditor agreements and standstill arrangements for stressed borrowers and lenders.

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Recovery & Enforcement

Debt recovery proceedings before DRT, DRAT, SARFAESI enforcement actions, actions against guarantors and representation in recovery disputes.

Frequently Asked Questions

Banking & Finance Law — Questions Answered

Common questions about banking & finance law in India. Book a consultation for specific advice.

What is a Non-Banking Financial Company (NBFC) and what registration is required?+

An NBFC is a company registered under the Companies Act that carries on financial activities — lending, investment, asset financing, etc. All NBFCs with asset sizes above ₹10 crore are required to register with the RBI. Different categories have different registration and compliance requirements.

What are the RBI Digital Lending Guidelines and who do they apply to?+

RBI's Digital Lending Guidelines (2022) apply to banks, NBFCs and their Lending Service Providers. Key requirements include all loan disbursals flowing directly through borrower bank accounts, a Key Fact Statement to be provided to borrowers, cooling-off periods for loan cancellation and data collection restrictions on DLAs.

What is SARFAESI and how does it work?+

The SARFAESI Act 2002 allows banks and financial institutions to enforce security interests without court intervention. After 60 days' notice to the borrower post-NPA classification, the lender can take possession of secured assets, sell them and recover outstanding dues.

Can a corporate guarantor be proceeded against directly?+

Yes. A creditor can proceed against a corporate guarantor directly without first exhausting remedies against the principal borrower. The Supreme Court has confirmed that a guarantor's liability survives initiation of CIRP against the principal borrower under the IBC.

What is an External Commercial Borrowing (ECB) and what are the rules?+

ECBs are commercial loans raised by Indian entities from foreign lenders. The RBI regulates ECBs through the ECB Framework covering eligible borrowers, recognised lenders, minimum average maturity periods, all-in cost ceilings, end-use restrictions and reporting requirements.

Knowledge Centre

Related Insights

Insights on banking & finance law from our team.

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Content on banking & finance law will appear here once published.

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