New Delhi · IndiaWONE Global Capability Partner · India
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Banking and capital in India
Bank accounts, loans and investors in another market. In India, that means local law, local regulators and local practice, handled by a qualified professional who practises there.
Who handles this work
On request
WONE Global can find the right Banking and capital professional in India for you.
No WONE Global Partner holds this yet. Send us your requirement: WONE Global confirms whether a vetted Associate firm can act, tells you who it is and checks for conflicts before any work begins.
Bring a requirement →India at a glanceSouth Asia
Mumbai · Saturday 24 October
06:35
Local time
- Currency
- INR
- Working week
- Monday – Friday
- Commercial centres
- Mumbai · Delhi NCR · Bengaluru · Chennai · Hyderabad
- Dialling code
- +91
- Region
- South Asia
What the rules say in India
Banking and capital, the essentials
From the India market guide: the points that matter most for banking and capital, each with the source it was checked against.
Full guide · Source-checked research98% of statements checked against a source107 checked against an official source34 checked against a secondary sourceChecked 2026-10-19Not yet professionally reviewed
Foreign investment in private sector banking is capped at 74%, with the automatic route up to 49% and government approval above 49%.
Banking licences are separately regulated by the RBI. Central rule.Department for Promotion of Industry and Internal Trade (DPIIT), Foreign Investment Facilitation Portal · checked 2026-10-18The RBI Master Direction on Foreign Investment in India (issued 4 January 2018) is shown as updated up to 15 June 2026, and the Master Direction on External Commercial Borrowings, Trade Credits and Structured Obligations as updated on 8 September 2026.
Central rule (RBI).Reserve Bank of India · checked 2026-10-18Commercial banks apply the Reserve Bank of India (Commercial Banks – Know Your Customer) Directions, 2025, shown as updated as on 1 October 2026.
Separate KYC directions apply to small finance, payments, local area, regional rural and co-operative banks. Central rule (RBI).Reserve Bank of India · checked 2026-10-18Reporting entities under the PMLA are banking companies, financial institutions, intermediaries and persons carrying on a designated business or profession, which include casino operators, real estate agents and dealers in precious metals, precious stones and other high value goods as notified by the Central Government.
Sections 2(1)(wa) and 2(1)(sa), Prevention of Money-laundering Act 2002; the Central Government may designate further activities by notification. Central law.Financial Intelligence Unit-India (FIU-IND), Ministry of Finance · checked 2026-10-19A reporting entity must verify the identity of its clients and beneficial owners, keep records of transactions and identity documents, furnish prescribed transaction information to the Director of FIU-IND, and keep transaction records for five years from the date of the transaction.
Sections 11A and 12, Prevention of Money-laundering Act 2002. Central law.Financial Intelligence Unit-India (FIU-IND), Ministry of Finance · checked 2026-10-19Reporting entities must record and report to FIU-IND all cash transactions of more than Rs 10 lakh, all cross-border wire transfers of more than Rs 5 lakh where the origin or destination is in India, and all suspicious transactions whether or not in cash; monthly reports are due by the 15th day of the following month.
Rules 3 and 8, PML (Maintenance of Records) Rules 2005, as amended up to the Third Amendment Rules 2023. Central rule. Suspicious transactions are reported promptly under Rule 8(2), not in the monthly report.Financial Intelligence Unit-India (FIU-IND), Ministry of Finance · checked 2026-10-19For client due diligence, a beneficial owner of a company is a natural person who, alone or with others, has a controlling ownership interest of more than 10% of the shares, capital or profits of the company.
Rule 9(3)(a), PML (Maintenance of Records) Rules 2005; partnerships also use 10% and unincorporated associations 15%. Central rule.Financial Intelligence Unit-India (FIU-IND), Ministry of Finance · checked 2026-10-19
Read the full guide: Banking, foreign exchange and repatriation · Anti-bribery, financial crime and compliance governance
Scope
What the service covers here
- 01Identify suitable banking or capital channels
- 02Prepare the business for onboarding or funding discussions
- 03Coordinate documentation and due diligence
- 04Support execution with relevant institutions
Key questions
What we will work through with you
- What needs to be decided before banking & capital access work starts?
- Who is professionally responsible in each country?
- Which other work, such as tax or employment, must happen at the same time?
- What information and decisions are needed from the business?
If your work involves another country or another area of expertise, WONE Global brings in the right professional and keeps all advisers informed.
WONE Global Capability Partners in India
Professionals working here
No named lead for Banking and capital yet — these WONE Global professionals already work in India and can bring the right local colleague in.
New Delhi · IndiaAlso in India
Other services in this market
Appointed services show their named professional. Open positions link directly to the Expression of Interest form.
Contracts and commercial lawOpen position · Expression of Interest →Tax and structuringLed by Sandeep GuptaSetting up and running a companyOpen position · Expression of Interest →Licences, permits and regulatorsOpen position · Expression of Interest →Employment, payroll and immigrationOpen position · Expression of Interest →Market research and partner checksOpen position · Expression of Interest →Accounting and annual filingsOpen position · Expression of Interest →AuditOpen position · Expression of Interest →Treasury and fundingOpen position · Expression of Interest →Payments and currencyOpen position · Expression of Interest →Business insuranceOpen position · Expression of Interest →Buying, selling and investingOpen position · Expression of Interest →Customs, trade and export controlsOpen position · Expression of Interest →Data protection and cyberOpen position · Expression of Interest →Trade marks, patents and brandsOpen position · Expression of Interest →Anti-bribery, sanctions and complianceOpen position · Expression of Interest →Disputes and arbitrationOpen position · Expression of Interest →
Situations
What clients bring to Banking and capital
In the words clients use. Each situation sets out what is at stake and how WONE Global handles it, here and in other countries.
Urgent Our bank says it will close our account. Can we stop it?Can our company abroad borrow from a foreign lender?Our investment can't meet its debt payments. What are our options?I live abroad. How should I hold investments back home?Banks keep refusing or delaying my accounts abroad. Why?Should we open a branch, a subsidiary or just use a distributor abroad?How do we set up a company in another country, and how long will it take?Can we just open a branch or representative office instead of a full company?
WONE Global Intelligence
Ask about banking and capital in India
Ask in your own words. Answers come from WONE Global's checked records, with every source shown, and end with the named Partner who can act. Go deeper on any point, or build a decision file.