Banking & Finance Law – SIRI Law LLP

Strategic Legal Solutions for Financial Institutions, Lenders & Borrowers

Expert advisory, compliance, and dispute resolution for India’s evolving financial ecosystem.

Banking & Finance Law at SIRI Law LLP

At SIRI Law LLP, our Banking & Finance practice provides robust, end-to-end legal support for lenders, borrowers, NBFCs, fintech companies, investors, and financial intermediaries.

In a sector governed by RBI regulations, financial statutes, and complex contractual structures, businesses need a legal team that can combine technical expertise with commercial foresight. We deliver ongoing advisory, compliance governance, risk mitigation, and litigation support to ensure your financial operations remain secure, compliant, and enforceable.

Our approach integrates corporate finance, regulatory compliance, cyber risk governance, and dispute resolution-creating a strategic financial legal framework for your organization.

Our Banking & Finance Services

Banking Regulatory Advisory

Compliance with key regulatory frameworks: RBI Master Directions FEMA regulatory compliance NBFC compliance & licensing Payment systems (PSS Act) advisory KYC/AML policy structuring

Financial & Loan Documentation

Drafting, reviewing, and negotiating: Loan agreements (secured & unsecured) Term sheets & facility agreements Security documents: mortgage, hypothecation, pledge Escrow, indemnity, and guarantee agreements Inter-creditor & consortium agreements

Fintech & Digital Payments Advisory

Legal support for evolving fintech ecosystems: Digital lending compliance Payment gateway and wallet regulations Crypto-asset policy advisory BNPL, embedded finance & API-based lending structures Data privacy compliance (DPDPA, GDPR, IT Rules)

Banking Litigation & Recovery Proceedings

Representation before: DRT & DRAT NCLT (IBC matters) High Courts Arbitration tribunals SARFAESI proceedings (Section 13 actions, possession, sale)

Insolvency, Bankruptcy & Debt Restructuring

Strategic advisory for creditors and debtors: Section 7, 9, and 10 filings Corporate Insolvency Resolution Process (CIRP) Representation before Resolution Professionals Negotiation for OTS, restructuring & settlements Asset reconstruction (ARC) advisory

Corporate & Project Finance

Legal support for large-scale financing: Project finance agreements Infrastructure financing Venture debt & mezzanine finance PE/VC investment structuring Due diligence for lenders

Why Choose SIRI Law LLP?

Deep expertise in banking regulations, financial contracts, and RBI frameworks
Combined legal, cybersecurity, and compliance intelligence
Strong experience in SARFAESI, DRT, IBC, and recovery litigation
Clear, enforceable financial documentation aligned with regulatory norms
Continuous compliance monitoring for lenders & fintech companies

Secure handling of financial data and confidential information
Litigation-ready drafting built to withstand regulatory and judicial scrutiny.
Business-Aware Advocacy: Litigation paths aligned with operational, reputational & financial realities.
Strict confidentiality and secure handling of sensitive information.
Industry-aware legal strategy aligned with business realities.

How Our Cybersecurity Services Support Financial Regulatory Compliance

Our cybersecurity services are designed to support banking, financial services, and financial market participants in meeting stringent regulatory, supervisory, and contractual obligations. Security controls are implemented and operated to protect financial systems, customer data, payment infrastructure, and market-sensitive information, in alignment with global banking and finance regulations.

Penetration Testing

Penetration testing identifies vulnerabilities within core banking systems, payment platforms, trading environments, and digital channels, enabling institutions to demonstrate the effectiveness of their security controls. These assessments support compliance with regulatory expectations on system resilience, operational risk, and customer data protection.

Vulnerability Assessments

Regular vulnerability assessments help financial institutions proactively identify and remediate weaknesses affecting financial infrastructure and customer-facing systems. Continuous assessment supports ongoing compliance with prudential standards, supervisory guidelines, and operational resilience requirements.

Security Audits

Independent security audits provide an objective evaluation of cybersecurity governance, internal controls, and system security, supporting compliance with banking regulators, financial supervisory authorities, and market conduct obligations. Audit outputs are structured to support regulatory examinations, supervisory reviews, and enforcement inquiries.

Why This Matters Legally

Banking and finance institutions operate under heightened regulatory scrutiny, with cybersecurity and operational resilience recognised as core prudential requirements. Regulatory frameworks increasingly require institutions to demonstrate not only the existence of security controls, but effective governance, accountability, and continuous oversight.

Cyber incidents affecting financial systems can result in regulatory enforcement actions, supervisory sanctions, licence restrictions, contractual liability, and systemic risk implications. Regulators routinely assess whether institutions exercised reasonable care, proportional risk management, and senior management oversight.

By integrating cybersecurity execution with banking and finance law, we enable institutions to:

Demonstrate compliance with prudential and operational risk requirements
Support regulatory examinations and supervisory reviews
Defend against enforcement actions and supervisory findings
Strengthen board and senior management accountability

This approach ensures that cybersecurity operates as a core component of financial regulatory compliance, supporting institutional resilience and legal defensibility in highly regulated financial environments.

Why SIRI?

Sound legal structuring and regulatory clarity are critical to successful financial transactions.
SIRI provides comprehensive banking and finance legal services, supporting lenders, borrowers, financial institutions, and corporates across a wide range of financing and regulatory matters.

Strong Banking & Finance Expertise

Our team advises on domestic and cross-border financing transactions, with experience across debt financing, project finance, structured finance, and financial regulatory matters—ensuring legally robust and commercially viable outcomes.

Transaction-Focused Approach

We provide end-to-end legal support throughout the lifecycle of financing transactions, from structuring and due diligence to documentation, negotiations, and closing.

Regulatory & Compliance Insight

We assist clients in navigating banking regulations, financial services laws, and compliance requirements, helping mitigate regulatory risk and ensure alignment with supervisory expectations.

Practical, Commercial Solutions

Our advice is grounded in commercial realities. We focus on clear, efficient, and pragmatic legal solutions that support deal execution while protecting our clients’ interests.

Integrated Legal Support

Our banking and finance services integrate seamlessly with our corporate, taxation, and regulatory practices, providing cohesive legal support for complex financial arrangements.