Banking
Documentation that protects the loan long before recovery becomes necessary.
Lending relationships are built on documentation — and the strength of that documentation is rarely tested until something goes wrong. MovLegal advises banks, NBFCs, and borrowers on structuring, documenting, and, where necessary, enforcing lending arrangements, ensuring that security is properly created and recovery options remain available if a loan turns non-performing.
Why This Matters
A mortgage deed with a defective description of property, a hypothecation agreement that doesn’t cover after-acquired assets, or a guarantee that isn’t properly stamped can each, individually, undo years of otherwise sound lending practice. We treat documentation as the first line of recovery, not paperwork to get through before disbursement.
Our Banking Services
Loan & Security Documentation
Drafting and vetting loan agreements, mortgage deeds, hypothecation and pledge agreements, and guarantees, ensuring each instrument is enforceable and properly registered.
Search & Title Reports
Preparing legal opinions and search reports on the title, clarity, marketability, and encumbrance history of security offered against a loan.
Regulatory Compliance
Advising on RBI guidelines applicable to lending, security creation, and asset classification, keeping lending practices aligned with evolving regulatory expectations.
Recovery & Enforcement
Advising on and litigating recovery actions under the SARFAESI Act, before the Debt Recovery Tribunal, and under the Negotiable Instruments Act for cheque dishonour matters.
NCLT/IBC Advisory
Advising lenders on insolvency remedies available against defaulting borrowers, including strategic guidance on when to pursue SARFAESI enforcement versus initiating CIRP.
Who We Work With
- Banks and NBFCs structuring and documenting lending facilities
- Lenders pursuing recovery against defaulting borrowers
- Borrowers negotiating loan terms and security arrangements
- Financial institutions navigating asset classification and regulatory compliance
Get in Touch
Whether you’re structuring a new lending facility or pursuing recovery on a stressed account, our Banking team can help you protect your position at every stage. Book a consultation to discuss your requirements.