Utkarsh Bandhu

Utkarsh is a banking Partner in the Mumbai office of the firm. He is a skilled debt lawyer with rich experience in a variety of banking & finance transactions including bond issuances, debt capital markets, project financing, offshore borrowings, overseas direct investments, acquisition financing, real estate financing, consortium lending, syndication, receivables purchase transactions, restructuring, insolvency, and regulatory advisory.

He has advised many Indian and international banks, NBFCs, financial institutions, credit funds, distressed asset funds and Indian borrowers.

He has also represented various stakeholders in relation to insolvency resolution process of companies under the Insolvency and Bankruptcy Code, 2016.



Bar Council of Rajasthan – 2010



  • “Is ‘digital lending’ an opportunity for NBFC?” by CNBC18.
  • Orders under Section 11 of the Electricity Act – Implications on insolvency by Times of India.



B.B.A LLB, National Law University, Jodhpur- 2009



  • English
  • Hindi

Before joining JSA, he was working with Shardul Amarchand Mangaldas, Mumbai.

Some of the key assignments handled by Utkarsh amongst others in last 4 years are as follows:

  • Advised one of the biggest Indian Edtech startups in relation to prestigious Term Loan B financing availed by its US based subsidiary.
  • Advised one of the largest private equity firms globally in respect of its first ever investment in listed NCDs in India, issued by a leading Hyderabad based pharmacy retailer.
  • Advised a large Canada based investment management firm having global presence in respect of a listed NCD issuance, for acquisition financing.
  • Advised a leading Indian cement manufacturing company in respect of multiple NCD issuances and refinancing and consolidation of its overall debt portfolio prior to its IPO.
  • Advised a US based private equity firm having global presence and its portfolio companies (both in India and offshore) in respect of a loan availed by an offshore portfolio company involving creation of security over shares and securities of an Indian company.
  • Advised a UAE based bank in respect of a transaction involving refinancing of loans availed by a foreign subsidiary of an Indian company, guaranteed by Indian group entities.
  • Advised a large US based multi-national investment firm in respect of their investment in NCDs issued by an Indian company.
  • Advised various portfolio companies of a leading Canada based investment management firm in relation to refinancing and consolidation of their overall debt portfolio and standardisation of their loan documents.
  • Advised a leading Bank, headquartered at France, in respect of its investment via its FPI entity in senior, unsecured, unlisted, redeemable, and rated NCDs issued by a leading Indian NBFC.

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