India’s FinTech sector has emerged as a vibrant ecosystem at the intersection of finance and technology, propelled by digital transformation, regulatory reforms, and the evolving preferences of tech-savvy consumers. From payments and lending to ealth management, insurance technology, and blockchain-based innovations, the sector is fostering unprecedented financial inclusion and disrupting traditional business models. However, this growth trajectory is accompanied by intricate legal and regulatory challenges, demanding agile legal strategies and commercially aligned advisory.
At KNM & Partners, our FinTech Practice supports startups, scale-ups, financial institutions, investors, and digital platforms in navigating the dynamic regulatory and transactional landscape governing digital financial services in India. The Firm’s focus is on providing clients with practical, business-oriented legal solutions that ensure compliance with India’s complex financial services regulations while enabling innovation and market expansion.
The Firm’s multidisciplinary team brings together corporate law expertise, sectoral understanding, and regulatory insight to assist clients across the lifecycle of FinTech businesses – from structuring and incorporation to fundraising, partnerships, and exit planning. The Firm advises on issues such as foreign direct investment in FinTech, digital payments, peer-to-peer lending, regulatory sandbox participation, blockchain applications, and data privacy.
The Firm’s corporate advisory extends to structuring joint ventures and strategic collaborations between FinTech startups and traditional financial service providers, ensuring that legal frameworks support the innovation agenda while managing associated risks. The Firm also supports investors in evaluating FinTech opportunities, conducting legal due diligence, and negotiating investment terms aligned with the evolving regulatory ecosystem.
With India’s FinTech sector poised to play a leading role in the global digital economy, the Firm is committed to helping its clients navigate this high-growth space with legal clarity, regulatory foresight, and commercial prudence.
Our Expertise
Advising on the formation and structuring of FinTech entities, including selection of corporate forms, investment structures, and compliance frameworks aligned with RBI, SEBI, and other regulatory bodies.
Assisting FinTech companies and investors in acquisitions, strategic exits, and secondary transactions, including due diligence, documentation, and negotiations.
Supporting FinTech startups and investors in funding rounds, ensuring compliance with securities regulations, foreign investment laws, and drafting of term sheets, shareholder agreements, and convertible instruments.
Structuring joint ventures and strategic alliances between FinTech companies, NBFCs, banks, and technology partners, ensuring contractual protections and regulatory alignment.
Advising on regulatory requirements for payment aggregators, P2P lending platforms, digital lending, and other FinTech models, including licensing and approvals from RBI, NPCI, and other authorities.
Guiding clients on the evolving legal landscape around blockchain, crypto-assets, and digital tokens, ensuring compliance with emerging regulatory guidelines.
Related Practice Areas
Our Experience
- Digital Payments & Wallet Platforms
Advised emerging digital payment startups on structuring, licensing, and regulatory compliance for operations across multiple states. - Peer-to-Peer Lending Joint Ventures
Assisted a leading P2P lending platform in structuring a joint venture with a global FinTech player, covering governance, investment documentation, and regulatory approvals. - Blockchain & Crypto-FinTech Ventures
Provided legal advisory for blockchain-based FinTech services, including compliance with technology and financial regulations, and support in launching token-based financial products. - Regulatory Compliance for FinTech Market Entry
Guided several FinTech startups and investors through India’s complex regulatory environment, including regulatory sandbox participation, ensuring seamless market entry and ongoing compliance.
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