Banking and Finance

With ever-growing competition, we understand how supreme it is for any venture to have adequate finances considering the contingencies and future growth.

Our team of experts come from diverse backgrounds and have the required qualifications with in-depth knowledge of the applicability of various statues, to serve our clients closely based on their needs and requirements. The team undertakes the pre-investment due diligence, drafting of various agreements ancillary to the transactions followed by the legal negotiation and advice.

Our Banking and Finance experts have extensive experience in Borrowing & Lending transactions, Project Finance, External Commercial Borrowings, structured finance, refinancing transactions, resolving claims and suits.

The Banking and Finance sector in India is heavily regulated, documentation-intensive, and continuously evolving. Businesses, NBFCs, financial institutions, and borrowers in Delhi, Gurugram, Noida, Faridabad, Ghaziabad, and across India require precise legal assistance to navigate lending structures, compliance requirements, and financial transactions.

At Saini & Saini, we provide comprehensive legal support in Banking and Finance matters, ensuring clarity, regulatory compliance, and protection at every stage of a financial transaction.

Our Banking & Finance Services

1. Loan Documentation & Structuring

We assist in drafting and reviewing a wide range of loan documents for clients across Delhi NCR and India, including:

  • Term Loan Agreements
  • Working Capital Facilities
  • Overdraft and Cash Credit Agreements
  • External Commercial Borrowings (ECBs)
  • Project Financing Documents
  • Consortium & Multiple Banking Agreements

We ensure all documentation is legally compliant and commercially balanced.

2. Security Creation & Perfection

We support lenders and borrowers with legally enforceable security documentation, including:

  • Mortgage creation
  • Hypothecation & pledge agreements
  • Security trustee structures
  • Registrations with CERSAI, ROC, etc.
  • Verification of collateral and title records

3. Compliance & Regulatory Advisory

We provide regulatory guidance on:

  • RBI circulars, directions, and notifications
  • Lending compliance standards
  • KYC and Anti-Money Laundering (AML)
  • FEMA & cross-border financing regulations

Our team ensures clients remain fully compliant with evolving legal standards in India.

4. Debt Recovery & Enforcement

We represent clients in Delhi NCR and across India before:

  • Debt Recovery Tribunals (DRT)
  • Debt Recovery Appellate Tribunal (DRAT)
  • Civil courts for recovery suits

Our expertise includes:

  • SARFAESI proceedings
  • Enforcement of security interests
  • Borrower and guarantor recovery
  • Loan restructuring and settlement negotiations

5. Financial Transactions & Advisory

We help structure and execute complex financial transactions such as:

  • Asset financing
  • Equipment leasing & financing
  • Invoice discounting and factoring
  • Venture debt & private lending
  • Lending compliance reviews

6. Insolvency & Restructuring Support

We assist banks, corporates, and borrowers in:

  • Corporate Insolvency Resolution Process (CIRP)
  • Debt restructuring & settlements
  • Creditor negotiation
  • Strategic advisory on stressed assets

Clients We Serve

  • Banks & NBFCs
  • Corporates & MSMEs
  • Investment & private lending firms
  • Real estate developers
  • Fintech & startup ecosystem
  • Individuals seeking loan advisory services in Delhi NCR & India

Why Choose Saini & Saini for Banking & Finance?

  • Extensive experience in lending, security creation, and financial regulation
  • Deep understanding of banking compliance frameworks
  • Business-focused drafting and legal advice
  • Efficient, strategic, and solution-oriented approach
  • End-to-end support from documentation to enforcement

Secure, Compliant, and Strategic Financial Support

Whether you are a lender seeking legally sound documentation or a borrower requiring clarity, compliance, and negotiation support, Saini & Saini ensures smooth and well-protected financial transactions across Delhi NCR and India.

Contact us today for expert assistance in Banking and Finance matters.