Industry Practice · Delhi NCR
Banking & Finance Lawyer in Delhi
Banking transactions are only as strong as the documentation behind them.
300+
Finance Transactions
₹3,000Cr+
Debt Documented
100+
DRT Matters
The Industry Landscape
Banking and finance transactions in India require precision at every stage — from facility agreement drafting and security creation to enforcement when defaults occur. The legal framework spans the Banking Regulation Act, SARFAESI Act 2002, Debt Recovery Tribunals Act, and the IBC, each offering different enforcement mechanisms with different timelines and priorities. Corpus Juris Legal advises both lenders (banks, NBFCs, AIFs) and borrowers on structured finance transactions, project finance documentation, SARFAESI enforcement, and DRT proceedings in Delhi.
- Loan and facility agreement drafting and review
- Security documentation — mortgage, pledge, hypothecation, guarantee
- SARFAESI enforcement and response to borrowers
- DRT (Debt Recovery Tribunal) proceedings in Delhi
- Structured finance and mezzanine financing documentation
- NPA resolution — OTS, restructuring, assignment of debt
Frequently Asked Questions
What security creation formalities are required for a term loan in India?+
Security creation requirements depend on the asset: mortgage requires registration with the Sub-Registrar, hypothecation and pledge require documentation and often CERSAI filing, corporate guarantees require board approval and stamping. CERSAI registration is mandatory for most security interests under the SARFAESI framework.
What is the DRT process for recovering a bank loan?+
A bank or NBFC with a debt above ₹20 lakh can file an Original Application (OA) before the Debt Recovery Tribunal. The DRT issues a Recovery Certificate (RC) after adjudication, which the Recovery Officer can execute through attachment and sale of property. DRT proceedings are faster than civil courts.
What is the SARFAESI Act and when can banks use it?+
The SARFAESI Act 2002 allows secured creditors (banks and notified financial institutions) to take possession of and sell secured assets without court intervention when a borrower defaults and the account is classified as NPA. It is the fastest enforcement mechanism available to lenders for secured debt.
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