Legal Service

Banking & Finance Lawyers: Top Debt Restructuring & DRT Advocates

Responsible banking regulations and practices protect both businesses and individuals. However, the Indian financial sector is governed by an extraordinarily complex, multi-jurisdictional regulatory environment involving the Reserve Bank of India (RBI), SEBI, and FEMA guidelines. Unison Law Offices provides top-tier representation for domestic and multinational financial institutions, public and private sector banks, Non-Banking Financial Companies (NBFCs), and corporate borrowers. Our banking and finance lawyers deliver sophisticated counsel on a broad spectrum of transactions, ensuring regulatory compliance while maximizing commercial value and minimizing distressed write-offs.

Service Overview

Sophisticated counsel for domestic/multinational financial institutions, banks, NBFCs, and corporate borrowers: project finance, syndicated lending, SARFAESI enforcement, DRT/DRAT litigation, debt restructuring, and pre-insolvency planning.

Top-tier representation for financial institutions, banks, NBFCs, and corporate borrowers. Project finance, syndicated lending, SARFAESI enforcement, DRT/DRAT litigation, debt restructuring, and distress advisory in Delhi NCR.

Complex Financing & Syndicated Lending

We structure and execute high-value financial transactions, offering legally sound advice tailored to the intersection of international and local laws.

Project and leveraged finance: we advise lenders and sponsors on the financing of massive infrastructure, energy, and real estate projects, drafting watertight loan agreements and security documents.
Corporate and acquisition finance: we structure the capital required for high-stakes mergers and acquisitions, ensuring regulatory compliance across multiple jurisdictions.
Syndicated lending and structured finance: we represent lead arrangers and consortiums in complex syndicated loans, managing escrow mechanisms, and coordinating with multilateral and export credit agencies.

Debt Recovery & Regulatory Litigation (SARFAESI & DRT)

When loans turn into Non-Performing Assets (NPAs), aggressive recovery strategies are paramount.

SARFAESI Act enforcement: we initiate and execute proceedings under the Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act, 2002, enabling banks to legally attach and auction secured assets without court intervention.
DRT representation: our litigation team aggressively represents financial institutions and defends corporate guarantors before the Debt Recovery Tribunals (DRT) and Debt Recovery Appellate Tribunals (DRAT) across the country.

Distress Advisory & Restructuring

We help our clients in the early stages of financial distress, identifying key issues to recover enhanced business value.

Debt restructuring: we assist lenders and borrowers in negotiating sustainable debt restructuring plans outside of formal insolvency.
Pre-insolvency and contingency planning: we advise on exit strategies, refinancing, and contingency planning to protect critical corporate relationships and minimize financial write-offs prior to the initiation of the Corporate Insolvency Resolution Process (CIRP).

Frequently Asked Questions

Common questions about banking & finance matters

When should a borrower seek restructuring advice?

Usually before default crystallizes into a full enforcement event. Early legal intervention preserves leverage and business value. We help borrowers negotiate with lenders to avoid SARFAESI enforcement or formal insolvency proceedings.

Why do DRT and SARFAESI strategy need to be coordinated?

Because lenders often use multiple legal levers at once, and the defense or recovery approach has to align across them. SARFAESI allows secured creditors to enforce security without court intervention, while DRT provides a judicial forum for debt recovery—coordinating both maximizes recovery or defense effectiveness.

Can finance disputes overlap with insolvency?

Frequently. Many banking disputes ultimately affect or are affected by pre-insolvency planning, restructuring, or formal CIRP strategy. We coordinate DRT litigation, SARFAESI enforcement, and IBC proceedings to protect lender interests or defend borrowers across multiple forums.