Banking & Finance
Comprehensive banking and finance legal services covering regulatory compliance, NPA resolution, loan recovery, and financial transactions under RBI guidelines.
Overview
Our Banking & Finance practice provides comprehensive legal services to banks, NBFCs, fintech companies, and borrowers across India. With deep expertise in regulatory frameworks including RBI guidelines, SARFAESI Act, and IBC, we handle complex financial disputes and transactions.
What We Offer
Non-Performing Assets (NPA) Resolution and Recovery
SARFAESI Act Proceedings and Asset Reconstruction
Debt Recovery Tribunal (DRT) and DRAT Matters
Corporate Debt Restructuring (CDR)
One Time Settlement (OTS) Negotiations
Banking Fraud and Wilful Defaulter Proceedings
Loan Documentation and Security Creation
Regulatory Compliance and RBI Audit Support
Insolvency and Bankruptcy Code (IBC) for Financial Creditors
Project Finance and Infrastructure Funding
Fintech Regulatory Advisory
Digital Lending Compliance
Areas of Specialization
Recovery of NPAs exceeding ₹500 Crores cumulatively
SARFAESI enforcement across multiple states
Complex restructuring for stressed assets
Advisory to leading PSU and private sector banks
Fintech and digital lending regulatory compliance
Cross-border finance transactions
Why Judicium for Banking & Finance?
Our strategic positioning and deep expertise make us the preferred choice for legal services in North India
Specialized team with banking sector experience
Strong track record in NPA recovery and loan restructuring
Strategic presence in Delhi NCR serving major financial institutions
End-to-end support from documentation to recovery
Expertise in both lender and borrower representation
Updated knowledge of evolving RBI regulations and digital lending guidelines
Relevant Laws & Regulations
- The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002
- Recovery of Debts Due to Banks and Financial Institutions Act, 1993
- Reserve Bank of India Act, 1934
- Banking Regulation Act, 1949
- Insolvency and Bankruptcy Code, 2016
- Prevention of Money Laundering Act, 2002
- Information Technology Act, 2000 (for digital lending)
Frequently Asked Questions
What is SARFAESI and how does it help in loan recovery?
The SARFAESI Act allows banks and financial institutions to recover NPAs without court intervention by enforcing security interests, taking possession of secured assets, and selling them to recover dues. This process is faster than traditional civil litigation.
What is the difference between DRT and SARFAESI proceedings?
SARFAESI is an administrative remedy allowing secured creditors to enforce security without court intervention, while DRT (Debt Recovery Tribunal) is a judicial forum for adjudicating debt recovery cases. Banks often use both mechanisms simultaneously for effective recovery.
Need Expert Legal Assistance?
Our experienced team is ready to help you with your banking & finance matters. Contact us today for a consultation.