Overview
Finance is the bloodstream of every enterprise, and the law that governs it is unforgiving of loose documentation. K & K Associates advises banks, NBFCs, fintech lenders, corporate borrowers and promoters across the full lending lifecycle — from structuring and documentation to default management, enforcement and dispute resolution.
Operating from A-197, LGF, Defence Colony, New Delhi 110024 — within 3 km of Saket District Court, 12 km of the Delhi High Court (Sher Shah Road) and 8 km of the Supreme Court of India, we draft and vet facility agreements, security documents and guarantees; advise on regulatory compliance under RBI norms; and litigate banking disputes before civil courts, the DRT, the Delhi High Court and consumer forums.
We sit on both sides of the table. That dual perspective — having drafted the security a lender relies on, and having broken security a borrower thought ironclad — makes our advice unusually practical. We tell clients not just what the law says, but what actually happens when a facility goes wrong.
Lending & Documentation
- Term loan, working-capital, OD/CC and consortium facility agreements
- Creation and perfection of security — mortgage, hypothecation, pledge, assignment
- Personal and corporate guarantees, comfort letters and undertakings
- Inter-creditor agreements and security trustee arrangements
- Due diligence on title, charge searches and CERSAI/ROC filings
Regulatory & Compliance Advisory
We advise on the regulatory framework that governs banks and NBFCs — including RBI directions on lending, classification of assets, fair-practices codes, KYC/AML obligations and recovery conduct. For fintech and digital-lending models, we help structure arrangements that survive regulatory scrutiny.
Default Management & Enforcement
- NPA classification review and restructuring strategy
- SARFAESI enforcement of secured assets
- DRT proceedings and recovery suits
- Guarantee invocation and guarantor liability
- Settlement, one-time-settlement (OTS) and assignment of debt
Banking Disputes
We litigate disputes over wrongful debits, fraudulent transactions, unauthorised electronic transfers, locker liability, mis-selling of financial products, and disputes between co-lenders. We act before civil courts, the DRT, banking ombudsman, RBI grievance channels and consumer commissions.
Statutes & Regulations
Key laws governing this practice.
Who This Is For
Audiences we typically advise in this area.
- Banks and NBFCs structuring or enforcing facilities
- Fintech and digital-lending platforms seeking compliant structures
- Corporates negotiating loan and security documentation
- Promoters and guarantors assessing personal exposure
- Customers disputing wrongful debits or fraudulent transactions
Recent Outcomes
Anonymised matter highlights.
Consortium Security Package Structured
Drafted and perfected the security package for a multi-lender consortium facility, including an inter-creditor agreement and security trustee structure, with clean CERSAI and ROC charge registration.
Unauthorised Transaction Reversed
Acted for a customer whose account was debited through an unauthorised electronic transfer; secured reversal of liability by relying on RBI's limited-liability framework for unauthorised transactions.
Outcomes are matter-specific. Past results are not a guarantee of future performance.
Why K & K
Strategic differentiators in this practice.
- End-to-end coverage — documentation, regulation, default and dispute.
- Security documents drafted to survive enforcement, not just signing.
- Practical RBI/NBFC compliance advice for traditional and fintech lenders.
- Equally fluent acting for lenders and for borrowers.
- Tight coordination with our debt recovery and SARFAESI desks.
Frequently Asked
Questions our clients ask first.
Serving Delhi NCR & Beyond
Our office at A-197, LGF, Defence Colony, New Delhi 110024 is the operating base for clients across Delhi NCR — Gurgaon, Noida, Faridabad, Ghaziabad — and pan-India through a vetted local-counsel network. We routinely appear at Saket, Patiala House, Tis Hazari, Karkardooma, Rohini and Dwarka District Courts; the Delhi High Court; and the Supreme Court of India.
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