Legal Services for
Banking & Financial Services
Kerala has a vibrant financial services sector — from scheduled commercial banks and cooperative banks to NBFCs, chit funds and em...
Dedicated Legal Expertise for Banking & Financial Services
Kerala has a vibrant financial services sector — from scheduled commercial banks and cooperative banks to NBFCs, chit funds and emerging fintech companies. MBOSS Lexon LLP is a specialist legal partner for financial institutions, providing expert advisory on banking law, security enforcement and regulatory compliance.
Our banking law team has deep expertise in RBI regulations, lending documentation, security enforcement under SARFAESI and recovery proceedings before the Debt Recovery Tribunal (DRT). We provide both transactional advisory and regulatory compliance support to institutions of all sizes.
Banking & Financial Services
Legal Services for Banking & Financial Services
Loan Documentation
Comprehensive loan agreement documentation including facility letters, promissory notes and terms.
Security Creation
Mortgage deeds, hypothecation agreements, pledge documentation and charge registration.
Mortgage Advisory
Equitable mortgage, registered mortgage, and MODT documentation and procedures.
SARFAESI Proceedings
End-to-end SARFAESI enforcement — demand notices, possession, auction and sale procedures.
NPA Recovery
Strategy and execution for NPA classification, recovery proceedings and settlement negotiations.
NBFC Compliance
RBI NBFC Master Directions compliance, Fair Practice Code, and prudential norms advisory.
Fintech Advisory
Legal framework for digital lending platforms, payment aggregators and fintech startups.
Structured Finance
Project finance, syndicated lending, securitisation and structured debt transactions.
How We Work with Banking & Financial Services
Frequently Asked Questions
The SARFAESI Act 2002 allows banks and qualified financial institutions to enforce their security interest without court intervention when a borrower's account is classified as NPA. The lender issues a demand notice under Section 13(2), and if unpaid within 60 days, can take possession and sell the secured assets. MBOSS Lexon LLP manages all aspects of SARFAESI enforcement for financial institutions.
Home loan documentation in Kerala includes: loan agreement, promissory note, Mortgage Deed (Simple or MODT), property documents with original title deeds, encumbrance certificate, approved building plan, possession certificate, and insurance assignment. MBOSS Lexon LLP drafts and verifies all home loan security documentation.
Yes. MBOSS Lexon LLP advises NBFCs on RBI Master Directions compliance, Fair Practice Code requirements, KYC compliance, interest rate policy, recovery practices, digital lending guidelines and annual regulatory filings. We also assist NBFCs with application for NBFC registration and changes in business activities.
The Debt Recovery Tribunal (DRT) is a specialised tribunal for recovery of debts above INR 20 lakh by banks and financial institutions. MBOSS Lexon LLP files and manages Original Applications (OAs) before DRT, including application, hearings, interim orders, Recovery Certificates and Recovery Officer proceedings.
Legal Support for Banking & Financial Services
Connect with MBOSS Lexon LLP for sector-specific legal expertise.