Utdipta Rana Patgiri 

Expertise Utdipita Advises Experience highlights

Associate

Banking, Finance & Payments

+44 (0)7412 552356

Expertise

Utdipta has over 16 years of international legal experience advising on banking, finance, payments, and commercial law. He is a dual-qualified lawyer (Solicitor – England & Wales; Advocate – India) and has worked with Visa, American Express, Kotak Mahindra Bank, and IDBI Bank. 
 
His practice covers cross-border financings, trade and receivables finance, ship and infrastructure projects, and payments regulation. Utdipta has also advised on innovative fintech products, co-brand cards, B2B payment models, and Buy Now Pay Later schemes, combining banking depth with payment sector expertise. 
 
Utdipta’s unique blend of finance and payments experience across the UK, EMEA, APAC, LAC, MENA, and India enable him to provide clients with practical, commercially focused legal advice. He is recognised for his ability to bridge traditional banking and modern digital payments, making him a trusted adviser for both established financial institutions and disruptive fintech’s. 

Utdipita Advises

  • Global & Regional Banks 
  • Financial Institutions & NBFCs 
  • FinTech & Payment Companies 
  • Card Issuers, Acquirers & Networks 
  • Multinational Corporates 

Experience highlights

  • Advised Visa on PSD2 and EMI compliance; supported Visa Direct product rollout and regulatory engagement across EMEA, APAC, LAC, and MENA. 
  • Negotiated Global Corporate Payment Product Master Services Agreements at American Express (London, EMEA); advised on AML, CDD, sanctions, PEPs, ESR, GDPR, FX, and outsourcing. Supported MCCYY settlement, co-brand programmes, offshore FX models, and LIBOR/IFR transition. 
  • Supported Amex India on merchant acquisitions, co-brand card issuance, card sourcing, and network participation. Drafted Tier-II/ALM funding documentation. Developed solutions for B2B payments, buyer-initiated/seller-initiated payments, OEM-finance schemes, BNPL models, and airline ticketing systems; advised on RBI compliance. 
  • Led LMA/APLA loan negotiations, trade finance, receivables and vendor finance, and corporate banking documentation at Kotak Mahindra Bank. Advised on restructured and distressed projects. 
  • At IDBI Bank, supported domestic and international branch business (including DIFC, Dubai). Drafted/negotiated syndicated financings, Agri receivables finance, warehouse receipt finance, securitisations, and derivatives documentations. Advised on ship and shipyard financings, ship mortgages, and IFR transition; managed corporate recovery disputes. 
  • At ICRA, drafted opinions on securitisations, bond issues, and project financings; liaised with SEBI for compliance. 
  • Early career included Ashton Rowe Solicitors (UK) on conveyancing/SPVs, Junior Advocate at the Supreme Court of India on litigation, arbitration, and regulatory matters. 

Expertise

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Utdipta has over 16 years of international legal experience advising on banking, finance, payments, and commercial law. He is a dual-qualified lawyer (Solicitor – England & Wales; Advocate – India) and has worked with Visa, American Express, Kotak Mahindra Bank, and IDBI Bank. 
 
His practice covers cross-border financings, trade and receivables finance, ship and infrastructure projects, and payments regulation. Utdipta has also advised on innovative fintech products, co-brand cards, B2B payment models, and Buy Now Pay Later schemes, combining banking depth with payment sector expertise. 
 
Utdipta’s unique blend of finance and payments experience across the UK, EMEA, APAC, LAC, MENA, and India enable him to provide clients with practical, commercially focused legal advice. He is recognised for his ability to bridge traditional banking and modern digital payments, making him a trusted adviser for both established financial institutions and disruptive fintech’s. 

Utdipita Advises

Back to top
  • Global & Regional Banks 
  • Financial Institutions & NBFCs 
  • FinTech & Payment Companies 
  • Card Issuers, Acquirers & Networks 
  • Multinational Corporates 

Experience highlights

Back to top
  • Advised Visa on PSD2 and EMI compliance; supported Visa Direct product rollout and regulatory engagement across EMEA, APAC, LAC, and MENA. 
  • Negotiated Global Corporate Payment Product Master Services Agreements at American Express (London, EMEA); advised on AML, CDD, sanctions, PEPs, ESR, GDPR, FX, and outsourcing. Supported MCCYY settlement, co-brand programmes, offshore FX models, and LIBOR/IFR transition. 
  • Supported Amex India on merchant acquisitions, co-brand card issuance, card sourcing, and network participation. Drafted Tier-II/ALM funding documentation. Developed solutions for B2B payments, buyer-initiated/seller-initiated payments, OEM-finance schemes, BNPL models, and airline ticketing systems; advised on RBI compliance. 
  • Led LMA/APLA loan negotiations, trade finance, receivables and vendor finance, and corporate banking documentation at Kotak Mahindra Bank. Advised on restructured and distressed projects. 
  • At IDBI Bank, supported domestic and international branch business (including DIFC, Dubai). Drafted/negotiated syndicated financings, Agri receivables finance, warehouse receipt finance, securitisations, and derivatives documentations. Advised on ship and shipyard financings, ship mortgages, and IFR transition; managed corporate recovery disputes. 
  • At ICRA, drafted opinions on securitisations, bond issues, and project financings; liaised with SEBI for compliance. 
  • Early career included Ashton Rowe Solicitors (UK) on conveyancing/SPVs, Junior Advocate at the Supreme Court of India on litigation, arbitration, and regulatory matters. 

Utdipta's team
Ravindra Kumar
+44 (0)7903349711 Email Ravindra LinkedIn