Legal Expertise. Banking Insight. Litigation Experience.

Banking law counsel, tested in the Supreme Court and built inside India's largest bank.

Ajai Kumar AV advises banks, financial institutions and individuals on SARFAESI, insolvency and banking litigation matters, drawing on more than 30 years across the courtroom and corporate legal leadership.

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Portrait of Ajai Kumar AV
Ajai Kumar AV Founder & CEO, Ajuris Legal
30+
Years in banking & financial law
SC
Supreme Court of India, enrolled advocate
HDFC
Former Head Legal, HDFC Bank
SARFAESI · IBC
Core areas of practice
Who this practice serves
Banks NBFCs Financial institutions Businesses & corporates Developers & promoters Co-operative housing societies Property owners & allottees
Pan-India operating capability
About

A career built between the courtroom and the bank's boardroom

Ajai Kumar AV, Founder & CEO of Ajuris Legal, is a practising advocate with over three decades of combined experience spanning legal practice, senior banking legal functions, financial services, recovery, insolvency, regulatory matters, documentation, real estate and litigation.

Having practised as an advocate before the Supreme Court of India and subsequently served in senior legal positions with leading financial institutions, including as Head Legal at HDFC Bank, he brings to legal assignments a perspective that combines law with first-hand knowledge of banking business, credit, risk, documentation, recovery and institutional decision-making.

Since retiring from that role, he founded Ajuris Legal to provide practical, legally robust and commercially conscious solutions for complex banking, financial and real estate matters, supported by a Pan-India network of advocates — an integrated approach spanning transaction, advisory and litigation.

Advocate

Supreme Court of India

Practised as an advocate before the Supreme Court of India across commercial and financial matters.

Head Legal

HDFC Bank

Led the legal function at one of India's largest banking institutions, overseeing litigation, recovery and regulatory matters at scale.

Founder & CEO

Ajuris Legal

Independent practice advising banks, financial institutions, businesses and individuals on banking, recovery, insolvency and real estate matters, and conducting related training.

The Ajuris Legal difference

The legal strategist

A legal issue concerning a bank or financial institution cannot always be effectively addressed by examining the law in isolation. It may involve the underlying credit transaction, documentation, security, regulatory requirements, internal processes, evidence, recovery strategy and the prospect of litigation.

Having worked within leading financial institutions at senior legal levels, in addition to experience as an advocate, the practice brings an institutional understanding of how banking businesses function, and how legal risks affect business, credit, recovery and management decisions.

Areas of practice

Banking, recovery, insolvency and real estate law

Matters handled span advisory, documentation, enforcement, litigation and resolution work. Select an area for the specific matters it covers.

Credit & lending transactions Banking contracts & agreements Security creation & enforcement Loan documentation & recall Guarantees & security arrangements Legal risk assessment Regulatory & compliance issues Banking Ombudsman matters Trade finance & Letters of Credit
NPA documentation & legal review Recovery strategy Security enforcement SARFAESI proceedings DRT & appellate proceedings Settlement & restructuring Recovery litigation High-value recovery matters
Section 7 IBC proceedings Insolvency application drafting & filing Creditor strategy Committee of Creditors matters Claims & resolution issues Insolvency-related litigation
Restructuring & revival Corrective Action Plan documentation Settlement arrangements Pre-NPA & post-NPA legal issues Coordination across business, credit, recovery & legal functions
Civil & recovery litigation Criminal & regulatory litigation Section 138 (NI Act) matters PMLA & white-collar matters Wilful default & fraud classification proceedings
Property due diligence & documentation Agreements for sale & development agreements Redevelopment documentation RERA compliance & complaints Delay in possession & refund claims Conveyance & title transfer
Governance & membership matters Maintenance disputes Redevelopment & conveyance Society litigation (Maharashtra)
ECB & treasury transactions Derivative transactions & ISDA documentation Bill discounting Loans against shares & margin issues Commodity finance
Services

How the practice engages

Legal Retainership

Ongoing retainership arrangements for banks and financial institutions requiring continuous legal support.

Specialised Legal Opinions

Legal opinions on banking, recovery, insolvency and real estate matters requiring specific analysis.

Documentation Review

Review of loan, security and transaction documentation to identify enforceability risk.

Litigation Management

Strategic oversight and conduct of banking, recovery and related litigation.

Recovery Legal Advisory

Advisory on recovery strategy across the NPA lifecycle, from default through resolution.

Legal Risk Review

Assessment of legal risk in transactions, documentation and stressed accounts.

Training & Knowledge Programmes

Structured training for legal, credit and recovery teams on banking law developments.

Practice approach

A combination of legal and institutional banking experience

01

Advocate & ex-banker

A combination of independent legal practice and senior in-house banking experience.

02

Understanding of the banking business

An understanding of credit, business processes, risk, documentation, recovery and institutional decision-making.

03

Advisory + documentation + litigation

The ability to examine a matter from transaction structuring through potential litigation.

04

Preventive + corrective strategy

The focus is not merely on defending disputes but on identifying and mitigating legal risks at an early stage.

05

Commercial awareness

Legal advice capable of being implemented within the commercial and operational realities of a financial institution.

06

End-to-end perspective

The same legal issue can affect business, credit, risk, legal, recovery, compliance and litigation. The practice considers these dimensions together.

Who this practice serves

Institutional and individual clients

Institutional

Banks, NBFCs & financial institutions

  • Enforcement action under SARFAESI and DRT proceedings
  • Insolvency and liquidation matters under the IBC
  • NPA resolution and recovery strategy
  • Ongoing regulatory and litigation counsel
  • In-house training on banking law and recovery practice
Individual & property

Businesses, developers & property stakeholders

  • Guidance on banking disputes and recovery proceedings
  • Representation in SARFAESI and DRT matters
  • Real estate, RERA and redevelopment matters
  • Co-operative housing society advisory and disputes
  • Financial and contractual dispute matters
Contact

Discuss a legal requirement

Whether the matter concerns a banking transaction, stressed account, NPA, SARFAESI proceeding, IBC matter, banking documentation, regulatory issue, RERA dispute, redevelopment matter, co-operative housing society issue or litigation, the first step is a clear assessment of the legal and factual position.

Office
60, Ultimate Business Centre, Currimjee Building,
111A, MG Road, Ground Floor, Fort, Mumbai 400001
Phone
+91 93204 95033
Email
finlexlegal.ak@gmail.com
LinkedIn
in/ajai-kumar-272b76192
Google Maps embed to be added once the office address / map link is confirmed.