Banking & Finance
Max House
I give direct, practical legal advice on banking, finance, and fintech matters, handling everything from compliance to complex deals without making you wait or deal with jargon.
Pricing Guide
Regulatory Compliance & Legal Opinion
Core Deliverables
- Formal Legal Opinion: Detailed 6-10 page memo on firm letterhead, signed by a Partner, valid for auditors and investors.
- Regulatory Analysis: Interpretation of gray areas like digital lending guidelines or SRO-FT norms specific to your business model.
- Strategic Advice: Actionable steps to structure products to avoid non-compliance and strict liability.
Process & Oversight
- Partner Review: Direct oversight by a specialized Banking/Fintech Partner for strategic accuracy.
- Turnaround Time: Delivery within 5-7 business days.
- Consultation: One 60-minute session to walk through the opinion and answer board-level queries.
Research Depth
- Precedent Citation: Inclusion of relevant case laws and tribunal orders (NCLT/SAT) to substantiate the legal position.
- Executive Note: A 1-page summary version designed for non-legal stakeholders.
Debt Transaction Legal Counsel (Borrower Side)
Documentation Scope
- Term Sheet Analysis: Review of binding/non-binding terms to flag commercial risks like prepayment penalties before signing.
- Definitive Agreements: Line-by-line redlining of the Facility Agreement, Security Trustee Agreement, and Deed of Hypothecation.
- Liability Protection: Review of personal and corporate guarantee deeds to limit liability exposure.
Negotiation & Execution
- Lender Negotiations: Up to 3 rounds of calls with the lender's counsel to settle events of default and covenant clauses.
- CP Advisory: Guidance on satisfying the 30-50 Conditions Precedent required for fund disbursement.
- Closing Support: Assistance with document execution and the final signing ceremony.
Operational Support
- Priority Turnaround: 24-48 hour processing time on document drafts.
- Infrastructure: Access to conference suites for multi-party negotiations.
Structured Finance & NCD Issuance
Structuring & Drafting
- Instrument Structuring: Legal advice on Secured/Unsecured and Rated/Unrated structures to optimize stamp duty.
- Drafting Suite: Preparation of Debenture Trust Deed (DTD), Private Placement Offer Letter (PPOL), and Information Memorandum.
- Security Creation: Drafting of mortgage deeds or hypothecation agreements for underlying project assets.
Regulatory & Compliance
- SEBI Listing: Management of the listing process on BSE/NSE Electronic Book Mechanism and coordination with Depositories.
- Due Diligence: Conduct of Limited Legal Due Diligence (LDD) on the issuer as required by the Debenture Trustee.
- Corporate Governance: Drafting of necessary Board and Shareholder resolutions under the Companies Act.
Closing & Filing
- Statutory Filings: Filing of Forms CHG-9 and PAS-3 with the Registrar of Companies.
- Closing Bible: Compilation of all transaction documents into a digital and physical audit trail.
About Banking & Finance
Navigating finance law in India isn't simple - it’s layered, always evolving, and honestly, sometimes frustrating. I’m here to cut through the jargon and help you see around corners, not just react to problems once they pop up. Clients tell me they value my direct, practical approach and the fact that I don’t make them wait forever for answers.
What I Do
- I help banks, NBFCs, fintechs, and corporates handle everything from regulatory compliance for NBFCs to complex project finance transactions.
- My work in fintech legal advisory covers investments, digital lending rules, and keeping up with changing tech laws.
- Got a tricky debt restructuring solution or private credit structuring need? I’ve handled those for startups and big institutions alike.
- I’ve advised on green and sustainable financing too - like funding recycling plants with cross-border loans.
Why Work With Me
- You’ll deal directly with me, not a junior. I’m hands-on, quick to respond, and I don’t shy away from raising tough issues if it’ll help in negotiations.
- My work on the HDFC merger and greenfield infra deals got noticed (and awarded) by industry folks.
- Recognized as a leader in banking and finance law by Legal 500, Chambers, and more. But more than awards, I care about getting the details right so you can move forward with clarity.
If you’re looking for a legal partner who’ll actually tell you what you need to know (not just what you want to hear), we should talk.
Meet your Expert
Krishnava Dutt
14 connects in last 3 months
My Story
We’re Argus Partners, built from scratch across Mumbai, Delhi, Bengaluru, Kolkata. I started as a lawyer, but honestly, now I’m more about helping businesses figure out the messy stuff—what’s coming next, not just what’s written in the books. I get a kick out of talking shop with business leaders, sometimes on stage, sometimes over chai. Our team’s all about being dynamic and collaborative. That Legal Icon tag? Really, it’s the team’s win.
My Work
Full-Service Legal Expertise - We handle Corporate/M&A, Banking & Finance, Dispute Resolution, Private Equity, Tech & Media, and more.
Digital Governance Advisory - We help boards tackle new risks like open-source software compliance and generative AI legal risk.
Practical Legal Strategy - No jargon. We break down complex laws into clear, doable steps for leadership teams.
Board Risk Mitigation - We work side by side with leadership, making sure boards know their duties and stay protected.
