Transaction-ready counsel across project finance, debt (re)structuring, asset & structured products, and banking regulation.
- India’s financing landscape is tightening: prudential norms, ECB conditions, stressed-asset frameworks, and evolving NBFC rules demand careful structuring and documentation.
- Interplay of regimes such as RBI Directions, Companies Act, FEMA, SEBI debt regulations, SARFAESI/IBC can reshape security, subordination, and enforcement strategies mid-deal.
- Syndicated lending and structured credit now expect bank-grade covenants, intercreditor discipline, and robust post-closing governance to preserve enforceability and rating outcomes.
At Aretha Legal, our Banking & Finance practice supports the full debt lifecycle—from origination and credit approval to drawdowns, amendments, waivers, and enforcement. We advise borrowers, lenders, NBFCs, funds, and sponsors on facilities ranging from working capital and term loans to acquisition and project finance, ECBs, securitisation, and structured solutions. Our approach integrates regulatory advisory (RBI/FEMA/SEBI), transaction execution (from term sheets and LMA/India-style loan docs to security creation and CP/CS checklists), and downside planning (intercreditor frameworks, enforcement options under SARFAESI/IBC).
OUR Expertise
- Recovery of Debts & Bankruptcy Act proceedings before DRT & DRAT
- SARFAESI enforcement and asset recovery actions
- Corporate Insolvency Resolution Processes (CIRP) & Liquidation under the Insolvency & Bankruptcy Code
- Personal insolvency and bankruptcy proceedings
- White collar crime litigation linked to financial transactions
- Wilful defaulter and fraud declaration proceedings before RBI-mandated committees and High Courts
- Regulatory and compliance disputes impacting the financial sector
- Project Finance
Greenfield/brownfield (power, roads, urban infra, renewables); concession and risk allocation review; sponsor support, DSRA, cash-waterfall, RAMP-UP/TRA mechanics; security and step-in rights; regulatory clearances and CP satisfaction. - Debt Structuring & Restructuring
Bilateral/syndicated facilities, refinancing, top-up and back-leverage; one-time settlements; resolution plans; ICA frameworks; covenants re-cut and event of default matrices aligned to RBI stress guidelines. - Asset & Structured Finance
Receivables financing, securitisation/pass-through certificates, lease/rentals monetisation, collateral trusts, credit enhancements, mezzanine and subordinated debt, AIF/NBFC hybrid instruments. - Banking Regulatory Advisory
RBI Master Directions, FEMA/ECB, external commercial borrowings and trade credits, NBFC/HFC licensing and compliance, exposure/related-party norms, priority sector and fair-practice codes, consumer-facing disclosures. - Acquisition & Leveraged Finance
HoldCo/OpCo structures, share-pledge and non-disposal undertakings, covenant packages, intercreditor/subordination, promoter and PE sponsor arrangements. - Working Capital & Corporate Finance
Cash-credit/OD, LC/BG, invoice-discounting, channel finance, standby facilities; negative pledge/pari passu arrangements and CP/CS checklisting. - Security Creation & Enforcement
All-asset/immovable/security interest perfection (ROC/CERSAI), hypothecation/pledge, mortgage, assignment of rights; enforcement strategies under SARFAESI and IBC, including DRT/NCLT interfaces. - Derivatives & Treasury
ISDA/CSA, RBI permissibility and hedging policy reviews for cross-border exposures. - Fintech & Digital Lending
Co-lending, FLDGs, outsourcing and data-sharing arrangements, KFS/UEBA compliance; NBFC-fintech interfaces. - Documentation Suite
Term sheets; facility agreements; security/guarantee and escrow/TRA; intercreditor and subordination; CP/CS schedules; amendment/waiver and event-of-default notices—aligned to India/LMA conventions and rating sensitivities.
Updates
Frustration Of Contract – When Does It Arise
November 21, 2025
The Insolvency And Bankruptcy Code: An Overview
November 21, 2025
Case Updates
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