Banking & Finance
India's banking and financial services sector continues to evolve rapidly, shaped by innovation, regulatory transformation and increased access to global capital. With changing monetary policy, the emergence of fintech and an evolving regulatory landscape, both lenders and borrowers require sophisticated, timely and commercially relevant legal solutions.
Overview
At Aequitas Law Partners, our Banking and Finance practice offers comprehensive legal counsel across the full spectrum of financial transactions. We advise Indian and international banks, NBFCs, funds, corporates, fintech players and other financial intermediaries on lending, regulatory compliance, structured finance, project finance, debt restructuring and securitisation. We approach each transaction with a combination of legal rigor, commercial understanding and market foresight. Our lawyers bring deep experience in structuring, negotiating and documenting financing transactions for clients operating in diverse industries. While banking and finance is a sector in itself, our practice is shaped by a sector-agnostic understanding of borrower profiles and market-specific risks. This allows us to offer tailored financing solutions that align with the commercial realities of each transaction. Whether representing lenders, borrowers, arrangers or financial sponsors, we focus on delivering efficient, risk-mitigated and execution-ready solutions.
Areas of Expertise
- End-to-end support on banking and finance transactions
- Cross-border financing and ECBs
- Project finance across multiple sectors
- Fintech and digital lending compliance
- Debt restructuring and refinancing solutions
- Security documentation and enforcement
- Regulatory advisory and RBI compliance
- Structured finance and securitisation
Key Services
Our comprehensive service offerings in banking & finance
Bilateral and Syndicated Lending
Advising lenders and borrowers on term loans, working capital facilities, revolving credit lines, bridge loans and cross-border financing. We assist with structuring, drafting and negotiating facility agreements, security documents and inter-creditor arrangements.
External Commercial Borrowings (ECBs) and Offshore Debt
Advising Indian corporates and multinationals on ECBs, foreign currency borrowings and related regulatory compliance. We handle loan documentation, liaison with authorised dealers and filings with the Reserve Bank of India (RBI).
Project and Infrastructure Finance
Structuring complex, long-tenure project finance transactions in sectors such as renewable energy, transportation, logistics, water, waste management and urban infrastructure. Our services include diligence, concession and financing documentation, risk allocation and regulatory advisory.
Acquisition Finance and Leveraged Buyouts
Advising lenders, private equity funds and corporate acquirers on structuring and securing acquisition financing, including leveraged buyouts, structured facilities and subordinated debt.
Securitisation and Asset-backed Lending
Advising on securitisation of receivables, pass-through certificates (PTCs), direct assignment transactions, co-lending structures and warehouse financing. We help clients structure asset pools, credit enhancement mechanisms and regulatory documentation.
Fintech and Digital Lending
Advising fintech lenders, NBFCs and technology platforms on loan origination models, regulatory classification, co-lending, digital credit, peer-to-peer lending and compliance with RBI's digital lending guidelines.
Debt Restructuring and Refinancing
Assisting creditors and borrowers in restructuring distressed loans, negotiating resolution plans under RBI frameworks or the IBC and managing refinancing through alternate capital structures.
Security Creation and Enforcement
Advising on creation, registration, perfection and enforcement of security over immovable and movable assets, pledge of shares, guarantees and escrow arrangements. We assist in drafting deed of hypothecation, mortgage deeds and security trustee arrangements.
Regulatory and Compliance Advisory
Providing ongoing guidance on banking regulations, priority sector lending, RBI circulars, FEMA provisions, digital lending norms and sector-specific financing laws. We help clients remain compliant in a dynamic regulatory environment.
Why ALP?
Our Banking and Finance team delivers strategic, responsive and commercially astute legal advice that supports our clients' financing needs across all stages of a transaction. We combine deep legal knowledge with strong execution capabilities, ensuring that transactions are timely, compliant and aligned with commercial imperatives. We understand the demands of both institutional lenders and corporate borrowers. Our ability to bridge legal and business considerations, anticipate regulatory shifts and collaborate seamlessly with counterparties enables us to provide effective solutions in even the most complex financing scenarios. Whether supporting a cross-border loan, advising on fintech compliance or assisting with a large-scale project financing, Aequitas Law Partners is a trusted legal partner in India's dynamic financial ecosystem.