Ankita Hariramani

What Ankita brings to the table

Ankita is a Partner with the Financial Services Regulatory team at Spice Route Legal. She brings to the table a keen understanding of India’s financial sector regulations, the four main financial sector regulators, and the largest market trends that threaten to disrupt this sector. She is widely recognised as India’s leading fintech lawyer.

Within the financial services sector, Ankita's expertise covers a wide range of domains, including digital payments, lending, data protection, artificial intelligence, machine learning, insurtech, blockchain, cryptocurrency, wealth-tech, prevention of money laundering, and more. Her proficiency in these areas enables her to offer comprehensive and tailor-made guidance to a diverse portfolio of clients, ranging from banking institutions, agro-tech companies, OTT service providers, international securities exchanges, security and ID verification companies, to digital payment providers, and many more.

Ankita’s impressive client portfolio is a testament to her proficiency and reputation within the fintech sector. She is also recognised as a ‘Rising Star’ by legal directories such as the Legal 500, IFLR1000, and Asialaw, an "Up and Coming" practitioner by Chambers and Partners, and as a Notable Practitioner by the IFLR1000.

Representative matters:

Assisted one of the largest global payments & technology companies in navigating the Indian regulatory framework pertaining to the operation of the Account Aggregators (AA) ecosystem and assisting with solutions for establishing open banking services.
Assisted a consortium of India’s 18 largest commercial banks in forming a joint venture to create a blockchain-focused trade finance platform, the first of its kind in India.
Pioneered the legal structuring of many of the most innovative ‘Buy Now Pay Later’ schemes in India.
Advised one of India’s largest payment players (with 55 million users) and one of India’s fintech unicorns on several regulatory and commercial matters.
Advising India’s first BSE-listed non-bank issuer of cards on various regulatory matters, including conducting an audit of their products to ensure compliance with financial sector regulations.
Advised a global pharmaceuticals and agricultural products company on structuring a digital agricultural exchange and facilitating solutions for working capital for farmers.