Banking, Finance & NBFCs

Banking, Finance & NBFCs | Lynx Legal Partners
Banking, Finance & NBFCs

The window to deregister as an Unregistered Type I NBFC closes 30 September 2026 — miss it, and you're carrying compliance you may not have needed to.

Between Scale-Based Regulation layers, the new NBFC Governance Directions, and evolving digital-lending rules, most NBFCs and fintechs are compliant with the framework as it stood a year ago, not the one that applies today. A fixed-fee review tells you exactly where you stand before the RBI does.

Banking and financial services counsel from India's financial capital

Lynx Legal Partners LLP is a dedicated banking, finance, and financial services law practice based in Mumbai. We advise banks, non-banking financial companies, financial institutions, borrowers, and investors on lending transactions, regulatory compliance, and debt enforcement — from loan documentation and security creation to SARFAESI enforcement and NBFC licensing.

India's financial regulatory environment is moving fast: the RBI's Scale-Based Regulation framework, the new Unregistered Type I NBFC category, the NBFC Governance Directions 2025, and an expanding Digital Lending Guidelines regime have all reshaped what compliance actually requires. If you're a funded fintech scaling fast, this sits alongside the same DPDP and contract hygiene most early-stage startups need to get in order post-raise — just with a financial-regulator layer on top.

Where most engagements start

A fixed-fee regulatory-compliance review — covering your SBR layer classification, governance readiness, deregistration eligibility, and (for fintechs) digital-lending or payment-aggregator compliance, priced upfront. Clients typically move into an ongoing regulatory compliance retainer, loan-documentation support, or NPA recovery representation.

Who we serve

Scheduled Commercial & Co-operative Banks NBFCs — All Layers Housing Finance Companies & Microfinance Institutions Asset Reconstruction Companies (ARCs) PE Funds, AIFs & Alternative Credit Providers Fintechs — Payment Aggregators, Digital Lenders & P2P Corporate Borrowers, Promoters & Project Sponsors
What we handle

Seven ways we keep your lending or compliance position covered

NBFC Regulatory Compliance & RBI Advisory

  • NBFC registration & Unregistered Type I advisory
  • Scale-Based Regulation (SBR) compliance
  • NBFC Governance Directions implementation
  • RBI circular monitoring & supervisory engagement

Loan Documentation & Security Creation

  • Facility & syndicated lending documentation
  • Co-lending & acquisition-finance advisory
  • Security creation & CERSAI registration
  • Guarantee structuring

Project & Structured Finance

  • Project finance & security trust documentation
  • Infrastructure finance & PPP structuring
  • NCD & debt capital markets advisory
  • ECBs, asset reconstruction & securitisation

NPA Recovery, SARFAESI & DRT Proceedings

  • SARFAESI enforcement & possession proceedings
  • DRT & DRAT representation
  • OTS & stressed-asset resolution
  • Personal & corporate guarantor recovery

Fintech Regulatory Advisory & Digital Lending

  • Payment aggregator (PA) licensing
  • Digital lending & LSP compliance
  • P2P lending & PPI advisory
  • PMLA & KYC compliance for fintechs

Banking Licensing & Financial Services M&A

  • On-tap bank licensing advisory
  • NBFC-to-bank conversion
  • M&A in financial services
  • GIFT IFSC banking & green finance

Banking Litigation & Regulatory Investigations

  • RBI inspection & supervisory defence
  • Banking ombudsman & consumer disputes
  • Fraud investigation & white-collar defence
  • Regulatory compliance retainer

Not sure which SBR layer you're in, or if you qualify to deregister?

Send us your NBFC or fintech registration details — we'll flag what's exposed, fixed-fee, same week.