Banking and Finance Industry

OUR SERVICES

At Infolex Consultants, we have a team of Banking & Finance Lawyers in India who possess deep expertise in banking & finance-related matters ranging from commercial issues to dispute resolution. We assist our clients with:

Contracts & their Life Cycle Management: 

The Banking & Financial Services industry relies on robust contractual frameworks to govern lending, financing, investments and commercial relationships. We provide end-to-end legal support throughout the contract lifecycle, helping financial institutions mitigate risks, maintain regulatory compliance and protect their commercial interests. Our services include:

• Drafting, reviewing and negotiating loan, credit and financing agreements. 
• Facility agreements, security documents and guarantee arrangements. 
• Mortgage, pledge, hypothecation and other security creation documents. 
• Loan restructuring and settlement documentation. 
• Inter-creditor, consortium and co-lending agreements. 
• Vendor, outsourcing and technology service agreements. 
• Employment, consultancy and confidentiality agreements. 
• Legal due diligence for lending, financing and acquisition transactions. 
• Contract lifecycle management, amendments, renewals and termination. 
• Contractual risk assessment, compliance advisory and dispute prevention.

Labor & Employment:

Banks, NBFCs, fintech companies and other financial institutions require a legally compliant and efficient workforce to deliver regulated financial services. We assist clients in navigating labour and employment laws while minimising employment-related risks. Our services include:

• Employment agreements and executive service contracts. 
• HR policies, employee handbooks and code of conduct. 
• Compliance with Central and State Labour Codes and employment laws. 
• Contract labour and third-party workforce compliance. 
• Wage, gratuity, provident fund and social security compliance. 
• Workplace disciplinary proceedings and internal investigations. 
• Employment restructuring, transfers and separation management. 
• Industrial relations and labour dispute resolution. 
• Representation before labour authorities, tribunals and courts.

Debt Rebounds:

Recovery of financial assets remains one of the most critical aspects of the Banking & Financial Services industry. We assist banks, NBFCs, housing finance companies and other lenders in enforcing their legal rights and maximising recovery across secured and unsecured lending portfolios. Our services include:

• Recovery of Non-Performing Assets (NPAs). 
• Advisory and enforcement under Civil Procedure Code, 1908.
• Advisory and enforcement under Bhartiya Nyaya Sanhita, 2023.
• Advisory and enforcement under Negotiable Instrument Act, 1881.
• Advisory and enforcement under the SARFAESI Act, 2002. 
• Advisory and enforcement under the Recovery of Debts and Bankruptcy Act, 1993. 
• Advisory and enforcement under Insolvency and Bankruptcy Code, 2016 (IBC). 
• Advisory and enforcement under MSME Development Act, 2006.
• Proceedings before Civil & Criminal Courts.
• Proceedings before the Debt Recovery Tribunal (DRT).
• Proceedings before the Debt Recovery Appellate Tribunal (DRAT). 
• Proceedings before National Company Law Tribunal.
• Proceedings before MSME Facilitation Centre.
• Enforcement of guarantees, mortgages, pledges and hypothecation. 
• Debt restructuring, settlement negotiations and One-Time Settlement (OTS) documentation. 
• Commercial litigation, arbitration and execution of recovery orders.

Product Liability

Financial institutions increasingly face legal scrutiny concerning the marketing, sale and servicing of financial products. Allegations of mis-selling, unfair trade practices, service deficiencies and regulatory non-compliance may expose institutions to significant legal and reputational risks. Our services include:

• Defence against consumer complaints involving banking and financial products. 
• Advisory on product documentation and regulatory disclosures. 
• Drafting terms and conditions for financial products and services. 
• Review of customer agreements and standard operating procedures. 
• Representation before Consumer Commissions and other adjudicatory forums. 
• Defence in matters involving alleged mis-selling, service deficiencies and unfair trade practices. 
• Advisory on grievance redressal mechanisms and complaint management. 
• Product liability and risk mitigation strategies for financial institutions.

KEY HIGHLIGHTS

1. Navigating the Next Era of Banking with Confidence

2. Laws Governing Financial Rebounds in India