BANKING, INSURANCE & FINANCE

Strategic Legal Support for Modern Financial Markets

MLegal’s Banking, Insurance & Finance practice delivers sophisticated, commercially focused legal advice to banks, financial institutions, fintech companies, corporates, investors, and lenders operating across India, the United Kingdom, the UAE, and international markets.

Our team combines deep industry experience with regulatory insight and transactional expertise. Several of our lawyers have worked within major banks, financial institutions, and leading global law firms, giving us a practical understanding of how financial markets operate in real time.

We support clients through every stage of the financing lifecycle — from structuring and documentation to regulatory compliance, risk management, distress situations, and enforcement. Whether the matter is domestic or cross-border, we provide solutions that balance legal robustness with commercial reality.

What We Do

Corporate, Acquisition & Leveraged Lending

We advise lenders, borrowers, and sponsors on complex financing transactions, including:

• Term loans and revolving credit facilities
• Acquisition finance and leveraged buyouts
• Sponsor-backed financing
• Security packages and intercreditor arrangements
• Cross-border loan documentation

Our approach ensures that transactions are bankable, enforceable, and commercially viable.

Project & Infrastructure Finance

We act on large-scale projects across energy, renewables, transport, and digital infrastructure. Our services include:

• Project structuring and risk allocation
• Concession agreements and PPP frameworks
• Security arrangements and step-in rights
• Lender due diligence and documentation

We help align financial structures with regulatory and operational requirements.

Structured Finance & External Commercial Borrowings (ECB)

We advise on sophisticated financing structures, including:

• Structured debt instruments
• Securitisation and asset-backed finance
• ECB transactions into India
• Cross-border debt arrangements

Our expertise spans both regulatory compliance and market practice.

Distressed Debt & Debt Restructuring

We support lenders, borrowers, and investors in financial stress scenarios through:

• Corporate restructuring strategies
• Insolvency proceedings and creditor representation
• Debt renegotiation and standstill arrangements
• Security enforcement and recovery

We focus on maximising recovery while minimising legal exposure.

Digital Banking, Payments & Fintech Regulation

We advise fintech firms, payment service providers, and digital banks on:

• Licensing and regulatory approvals
• Payment systems compliance
• Cross-border payments and remittances
• Data protection and cybersecurity risks in financial services

Our team helps businesses innovate while staying compliant.

Financial Regulation & Compliance

We guide clients through complex regulatory landscapes, including:

• UK FCA and PRA requirements
• Indian RBI and SEBI frameworks
• UAE financial regulatory regimes
• Anti-money laundering (AML) and sanctions compliance

We regularly engage with regulators and help clients manage investigations, audits, and supervisory reviews.

Who We Work With

We act for:

• Domestic and international banks
• Non-banking financial companies (NBFCs)
• Fintech and payments companies
• Private equity and credit funds
• Infrastructure developers
• Multinational corporates
• Promoters and institutional borrowers

Why Choose MLegal?

• Cross-border capability across UK, India, and UAE
• Integrated approach linking finance, tax, corporate, and disputes
• Deep regulatory experience in multiple jurisdictions
• Transactional precision combined with litigation strength
• Senior lawyer-led service model

We do not just document deals — we help clients structure smarter financing solutions.