Fintech moves fast.Your complianceshould keep up.
SIRI Law LLP advises fintech founders and platforms on RBI licensing, payment and lending regulation, data protection and the contracts that hold a fast-growing fintech business together.
- Free first consultation
- RBI regulatory framework
- Fixed-fee packages available
- Hyderabad and online
- Founder-friendly
Fintech
Fintech regulation in India changes often, and RBI circulars can reshape a business model overnight. We track the regulatory environment so your product decisions are made with current rules in view, not last year's.
Early-stage fintech founders
Advice on which RBI registration, if any, your model requires before you build.
Digital lending platforms
Guidance on the digital lending guidelines and permissible structures.
Payment aggregators and gateways
Support through the authorisation process and ongoing compliance.
Fintechs raising capital
Investment documentation drafted for a regulated business model.
Roadmap
Where we help, stage by stage.
Fintech legal needs shift as the business grows.
- 01Pre-launch
Structure and licensing
The right structure and licence determine what you can legally do.
- Business model review against RBI's regulatory perimeter
- Registration or licensing pathway, where required
- Entity structuring for a regulated business
- Co-founder and early team documentation
- 02Product development
Build compliant products
Compliance built in early is cheaper than retrofitted later.
- Payment flow and data handling review
- KYC and onboarding process compliance
- Terms of service and privacy policy under DPDP Act
- API and partner integration agreements
- 03Seed to Series A+
Raise capital
Investors scrutinise regulated businesses closely.
- Term sheet negotiation with fintech-specific risk allocation
- Regulatory representations and warranties
- Cap table and ESOP documentation
- Due diligence preparation
- 04Growth stage
Scale and partner
Partnerships and new products bring new regulatory questions.
- Bank and NBFC partnership agreements
- New product regulatory assessment
- Ongoing RBI circular monitoring
- Data breach and incident response readiness
What we do
Fintech legal, in one place.
From first registration question to a fully scaled platform.
RBI licensing advisory
Guidance on payment, lending and other RBI-regulated licences and registrations.
- RBI
- Licensing
- Registration
Payment aggregator compliance
Authorisation and ongoing compliance for payment aggregators and gateways.
- Payment aggregators
- Compliance
- PA-PG guidelines
Digital lending advisory
Structuring lending products within RBI's digital lending guidelines.
- Digital lending
- NBFC
- Structuring
Data protection for financial data
DPDP Act compliance for the sensitive financial data fintechs handle.
- DPDP Act
- Data protection
- Financial data
Investment and cap table documentation
Term sheets, shareholders agreements and ESOP plans for fintech founders.
- Fundraising
- Cap table
- ESOPs
Partnership and API agreements
Bank, NBFC and technology partnership agreements that allocate risk correctly.
- Partnerships
- API agreements
- Risk allocation
Regulatory monitoring
Keeping your business informed as RBI circulars and guidelines evolve.
- Monitoring
- Circulars
- Regulatory change
Where we come in
Five mistakes we often see.
Each one can stall a fundraise or trigger regulatory action.
Building the product before checking the regulatory perimeter
Some fintech models require RBI authorisation before launch. Finding this out after building the product is expensive.
Treating NBFC partnerships as purely commercial
Lending partnerships between fintechs and NBFCs carry specific regulatory structuring requirements around first-loss default guarantees and disbursal.
Weak data protection for financial data
Financial data attracts particular sensitivity under the DPDP Act. Generic privacy terms are not enough.
Term sheets that ignore regulatory risk
Investors will ask about your regulatory status. A term sheet silent on this creates friction at due diligence.
Missing circular updates
RBI circulars can change what is permissible with limited notice. Not tracking them is how compliant businesses become non-compliant overnight.
Ready to start?
Building or scaling a fintech product? Call for a free first consultation.
Tell us what you are building and we will map the regulatory questions that matter. Calls are answered by an advocate.
Why fintechs choose us
Regulation, translated for builders.
Retain us for a single matter or for the long run. Either way you deal with the same accountable team.
We explain the why, not just the what
Founders get context on regulatory reasoning, not just a list of requirements.
Current on RBI circulars
Advice reflects the latest regulatory position, not a static checklist.
Fundraise-ready documentation
Investment documents are drafted to survive investor due diligence on regulated businesses.
Google reviews
See what our clients say on Google.
We would rather you read independent reviews than take our word for it. Every review is on our Google Business Profile.
Questions
Common questions.
General information only, not legal advice. Every situation differs, so speak to us about yours.
Do we need an RBI licence to launch?
It depends entirely on your business model. Some fintech activities require specific RBI authorisation, others can operate without one but must still comply with applicable guidelines.
We review your model early to answer this before you build.
What is the digital lending framework?
RBI's digital lending guidelines govern how loans can be originated, disbursed and serviced through digital channels, including rules on lending service providers and NBFC partnerships.
We help structure lending products within this framework.
How does the DPDP Act affect fintech?
Financial data is sensitive personal data under most frameworks, and fintechs handling it need clear consent mechanisms, purpose limitation and breach response plans.
We build this into your privacy documentation from the start.
Can you help with our investor documentation?
Yes, including term sheets, shareholders agreements and ESOP plans, drafted with regulatory representations that satisfy fintech-focused investors.
We work with your existing investors and lead counsel where applicable.
Do you work with early-stage fintechs?
Yes, from pre-launch structuring through to scaled platforms. Many of our fintech relationships start at the idea stage.
The free first consultation is a good starting point regardless of your stage.
How much does this cost?
Fixed-fee packages are available for common needs like registration advisory or investment documentation. Ongoing regulatory monitoring can be arranged separately.
Fees are agreed in writing before work starts.
Related
Often needed alongside.
Fintech legal work often involves these services too.
Banking & Finance
Financial services regulatory advisory.
Explore
PCI DSS Compliance
Payment data compliance advisory.
Explore
Data Privacy & Cyber Law
DPDP Act, GDPR and breach response.
Explore
Startup & Venture Law
Formation, funding and ESOPs.
Explore
Free first consultation
Tell us about your fintech matter.
High level is fine. We check conflicts, tell you honestly whether we can help, and what it would cost. You decide, with no pressure.
- Call+91 79819 12046
- WhatsAppMessage us on WhatsApp
- Emailinfo@sirilawllp.com
- HoursMon–Sat, 9:30 AM–7:00 PM IST. Incident line 24/7.
- Existing client?Message your named lead directly, or use the incident line for anything urgent.
Thank you. We have your enquiry.
A member of our team will be in touch within one working day. For anything urgent, call +91 79819 12046.
Visit us
Find our offices.
HITEC City, Madhapur, Hyderabad, Telangana 500081
Mon to Sat, 9:30 AM to 7:00 PM IST · Meetings by appointment · Online consultations worldwide