Banking & Finance
Legal services for banking transactions, project finance, debt restructuring, and regulatory compliance.
Structuring Growth with Regulatory Rigor
Every rupee a lender commits is only as safe as the legal documents behind it. A loan agreement with ambiguous terms, a security interest that was not correctly registered, or a missed regulatory filing can turn a performing loan into an unrecoverable debt. Conversely, a borrower who does not understand their obligations under a facility agreement can end up in default without realising it. At HRU Legal, we advise banks, non-banking financial companies, fintech organisations, and corporate borrowers across the full range of banking and finance legal work, from structuring and documenting loan facilities to enforcing security when a borrower stops paying.
We provide advisory and representation across the complete financing cycle: due diligence before money is committed, structuring and documentation of the facility and security package, ongoing regulatory compliance, and enforcement under SARFAESI, the Debt Recovery Tribunal, and the Insolvency and Bankruptcy Code when recovery becomes necessary. We also advise on cross-border lending, External Commercial Borrowings, debt capital market transactions, and the full range of RBI compliance obligations for regulated financial institutions.
Securing Capital
We view legal counsel as a tool to secure assets and facilitate the flow of capital.
01Due Diligence
02Structuring
03Compliance
04Enforcement
01Due Diligence
Before a lender commits any capital, we conduct a thorough review of the borrower and the proposed security. We examine the borrower's legal standing and corporate constitution, whether the board is properly authorised to take on the proposed debt, what existing contractual obligations might restrict new security or additional borrowing, what litigation or contingent liabilities could affect repayment, and the status of all regulatory licences on which the business depends. For property offered as security, we trace ownership back a minimum of thirty years, search the CERSAI register for existing charges, and confirm that no court order restricts the property.
The Legal Due Diligence Report we produce does not simply list risks. It specifies the conditions that should be attached to disbursement in order to address each risk identified, whether that is a no-dues certificate from a prior lender, rectification of a title defect, obtention of a regulatory clearance, or the provision of additional collateral. Every condition is specified clearly.
When lenders use our due diligence reports, they enter transactions knowing exactly what they are financing and what protections are in place.
Domain Mastery
Debt Recovery and IBC
We provide representation for banks, NBFCs, ARCs, and financial creditors in DRT proceedings, SARFAESI enforcement, and IBC insolvency proceedings before the NCLT. We handle insolvency applications, CIRP management, Resolution Plan evaluation, and liquidation. We also advise borrowers on available restructuring options where a viable alternative to insolvency proceedings exists.
Project Finance
We provide advisory on the legal structure of infrastructure and real estate project finance transactions, including SPV formation, concession agreement review, lender security package assembly, intercreditor arrangements, and construction contract advisory. We deliver complete, bankable financing documentation packages that meet the requirements of lenders and institutional investors.
Regulatory Compliance
We provide ongoing regulatory compliance advisory for banks, NBFCs, payment system operators, and fintech companies, across licensing requirements, Fair Practices Code, KYC and anti-money laundering frameworks, digital lending guidelines, and peer-to-peer lending regulations. We design compliance systems intended to stay ahead of regulatory changes rather than simply react to them.
Why Engage HRU Legal for Banking & Finance
Deep understanding of banking regulations and RBI norms
Proven track record in high-value debt recovery
Strategic advice for complex financial transactions
