Banking & Finance Law
Finance documentation, recovery actions and regulatory compliance for lenders and borrowers. Irfan Mir Halepota & Associates represents clients in this area before the relevant Karachi courts and tribunals.
We act for banks, non-banking finance companies and borrowers across financing transactions and, where a facility has gone into default, in the recovery litigation that follows. That dual perspective — drafting the facility documents and later enforcing or defending against them — informs how we structure agreements from the outset.
What this covers
- Loan and finance documentation
- Recovery of finance suits under the Financial Institutions Ordinance
- Security enforcement — mortgages, hypothecation, pledges
- Regulatory compliance advisory (SBP)
- Restructuring and settlement negotiations
Where we appear
- Banking Courts, Karachi
- High Court of Sindh (Banking Appeals)
- State Bank of Pakistan (regulatory matters)
Forum selection and limitation periods are often decided in the first conversation about a matter — the earlier we're involved, the more options remain open.
Common questions
We're a lender facing default on a facility — what's the recovery route?
Recovery suits under the Financial Institutions (Recovery of Finances) Ordinance move through dedicated Banking Courts with a faster procedure than ordinary civil suits. We assess the security documentation first, since that shapes the strategy.
Can a recovery suit against a borrower be defended?
Yes — defences around the validity of documentation, calculation of amounts due, or procedural defects in how the suit was filed are common grounds we examine.
Related areas of practice
- Civil LitigationContract, commercial and property disputes carried from plaint to appeal.→
- Criminal LitigationRepresentation from the first FIR through trial, bail and appeal.→
- Corporate & Commercial LawFormation, governance, contracts and disputes for companies operating in Pakistan.→
- Family LawCourt marriage, divorce and khulla, custody, guardianship and maintenance.→
Speak with an advocate about banking & finance law
Tell us the facts of your matter and we'll advise on forum, timeline and next steps before you commit to anything.
Book a consultation