Sonali Singh

Sonali specialises in banking & finance, financial services, trade finance and securitisation. She has extensive experience in banking & finance related transactions including different types of debt transactions (secured, limited recourse and syndicated), project finance, structured finance, real estate financing, security creation and debt instruments.

She has advised on matters pertaining to overseas direct investment, bilateral and syndicate lending extended by way of foreign currency lending and bond issuances. Sonali advises on financing transactions as lenders, arrangers, agents, security trustees and financial advisors. She regularly advises clients on regulatory issues, including foreign exchange laws, securitisation and direct assignment transactions. She has also assisted an Indian bank in closing its foreign branch and in shifting their operations to one of their branches in India.

Sonali draws widespread experience from her exposure to the financial sector in advising Indian incorporated banking entities in relation to their interbank borrowings by way of resource raising keeping in mind legal, regulatory and compliance requirements stipulated under applicable laws.

Sonali has been recognised in banking & finance and restructuring & insolvency by IFLR1000.

Sonali has been practicing law since 2019. Before joining JSA, she was an associate with the banking and finance team at Juris Corp, Advocates & Solicitors.



  • Co – authored an article on “Deep Dive into Delhi HC Ruling on Sanctity of RBI’s Approval”, published by LawStreetIndia (a portal of TaxSutra).
  • Co – authored an article on “Moving Towards A ‘Cash-Lite’ Society! – Advancement of Payment Infrastructure Facilities”, published with Lexology.
  • Co -authored an article titled ‘Pandemic induced credit crunch faced by MSMEs and a rise in alternate financing methods’ published in Financial Regulation International.



B.L.S. LL.B, Government Law College, Mumbai (2019)



  • English
  • Hindi

Some of the key assignments in these areas handled and being handled by Sonali amongst others, cover the following:-

  • Was part of one of the biggest infrastructure financing (multiple banking arrangement) mandate involving infrastructure investment trust (InvIT) wherein various Indian financial institutions granted the credit facilities aggregating up to INR 440 Billion to Jio Digital Fibre Private Limited (JDFPL).
  • Advised Bank of Baroda in relation to secured term loan facilities of INR 29 billion extended to L&T Finance Limited and L&T Infrastructure Finance Company Limited – the group entities of L&T Financial services.
  • Advised the State Bank of India in relation to an untied loan of USD 1 billion availed by SBI under a loan agreement entered into by it with JBIC. The loan was co-financed by Sumitomo Mitsui Banking Corporation, MUFG Bank, Ltd., Mizuho Bank, Ltd., the Shizuoka Bank, Ltd., and the Bank of Yokohama, Ltd. The loan was intended to provide smooth flow of funds for the whole range of business operations of Japanese automobile manufacturers in India as well as for the provision of auto loans for the purchase of Japanese automobiles.
  • Advised an Indian entity to raise money by way of issuance of INR denominated bonds under the external commercial borrowing framework. The deal entailed intricate structuring as such type of transactions are unique in Indian market.
  • Advised and assisted various global and domestic entities in relation to advance payments and supply arrangements availed by prominent exporters including, Fortune 500 Companies and large conglomerates.
  • Advised various lenders in relation to various interbank lending/ borrowing by way of resource raising by banks like State Bank of India, Export-Import Bank of India, HDFC Bank Limited, IndusInd Bank Limited and ICICI Bank Limited.
  • Assisted an Indian bank in closing its offshore branch and assisted it in shifting its operations to a branch in GIFT City, India.
  • Was sent on secondment to Société Générale, Mumbai Branch to be a part of the bank’s legal team.
  • Advised Centrum Financial Services Limited in relation to reversal of two direct assignment transactions entered into by Centrum with another non-banking financial company.
  • Advised on a matter which involved advising, acting, and negotiating on behalf of J.C. Flower Asset Reconstruction Private Limited for issuance of the security receipts under the trust mechanism for purchase of various NPA portfolios.

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