Chambers Review
Provided by Chambers
Professional Advisers: FinTech
FinTech Legal - India
Individual Editorial
Kritika Krishnamurthy is a founding partner at AK & Partners and an expert in FinTech regulatory and transactional matters.

Band 4
Provided by Kritika Krishnamurthy
General Corporate, Mergers & Acquisitions, Insolvency, Litigation, Arbitration, Direct Tax, Indirect Tax, International Taxation, Commercial Negotiation, Consensus Building
Kritika Krishnamurthy is a Founding Partner at AK & Partners, with expertise in legal areas including General Corporate, Mergers & Acquisitions, Insolvency, Litigation, Arbitration, and International Taxation.
Kritika specialises in sectors such as banking, finance, reg-tech, infrastructure, energy, pharmaceuticals, mining, aviation, and disruptive technologies. Kritika has cross-cultural experience in countries like the United Kingdom, the United States, Germany, Russia, Japan, and Singapore.
Kritika holds several prestigious appointments. She serves as a Mediator for the World Bank and an external consultant to the Indian Institute of Corporate Affairs, Ministry of Corporate Affairs, and the Bombay Chamber of Commerce and Industry. Additionally, she is a mediator for matters under the Companies Act at the National Company Law Tribunal (NCLT). As a visiting faculty member, she contributes to institutions such as the Reserve Bank of India, SIDBI, and the Institute of Company Secretaries of India.
Her work highlights include representing clients in high-profile matters before the Supreme Court of India, National Company Law Tribunal, and various appellate courts. She is involved in significant mergers, acquisitions, and corporate negotiations. Kritika regularly assists clients in contract negotiations and consensus-building processes in complex, multi-party disputes. She is also a published author and frequently speaks at global conferences on topics like banking regulations, energy transitions, and dispute resolution.
She holds a B.Com LL.B. from Gujarat National Law University, Gandhinagar, and is a trained mediator with advanced mediation training from the Global Mediation Forum.
-Bar Council of Andhra Pradesh
-Fellow of World Mediation Organization (WMO), Berlin, Germany
-Mediator, World Bank
-External Consultant to Indian Institute of Corporate Affairs, Ministry of Corporate Affairs, Government of India on commercial mediation and negotiation.
-External Consultant, Bombay Chamber of Commerce and Industry.
-Member, International Centre for Alternative Dispute Resolution (ICADR)
-Member, West Bengal National University of Juridical Sciences Industry-Academia Panel
- Prepared a Handbook on various laws and regulations applicable on foreign prepaid payment instruments in India for the multinational financial corporation, MasterCard.
-Prepared Research Report on Digital Health and Digital Therapeutics in European Union and India under the EU India Think Tanks Twinning Initiative 2022-23 for the Delegation of the EU to India.
-Prepared a Special Report on Digital Payment Innovations and Associated Risks in South Asia under the South Asian Region Financial Inclusion Initiative (SARFII) of the Alliance for Financial Inclusion (AFI).
-Multi-jurisdictional study on drug pricing policies with special emphasis on accessibility to affordable drugs for National Pharmaceutical Pricing Authority.
-Co-authored a Research Report on “Setting up of Dispute Resolution in International Financial Services Centre (IFSC).
-Prepared Report on “Feasibility of Adoption of Documents-Only Arbitration as a Mode of Dispute Resolution” for the Department of Economic Affairs, Ministry of Finance
- Digital: The new normal of banking industry, The Daily Guardian with Rajiv Mohapatra, Director & Senior Counsel Regulatory Affairs (Asia Pacific), Mastercard.
-The Neo Way of Banking, The Daily Guardian with Anupam Alok, Senior Legal Counsel, Sberbank.
-BEPS in India and Conflicting Interpretation of Business Connection (Co-authored with Hon’ble Justice Mr. A.K Sikri, Former Judge, Supreme Court of India and Mr. P. K. Dash, IRS, Former Member (Revenue), Central Board of Direct Taxes, Taxalogue Volume 1, Issue 3 (March 2020).
-The Road that Needs to be Paved for Central – KYC in India (Part I and II), SCC Online
-Indian Data Protection Regime & the Future of Fintechs in India, SCC Online
-All Came Tumbling Down: Liability and Risk Mitigation in Engineering and
Infrastructure (2019) PL June 58
-Wilful Defaulters under IBC- Balancing between Corporate Rescue and Pro- Creditor Prosecution, NewsMobile (2018).
-Wishlist 2016 for Real Estate Sector in India, Corporate Amicus (2016)
-An Overview of Real Estate Investment Trusts in India, Corporate Amicus (2014)
-A Case For Mediation in Bilateral Investment Treaty (BIT) Dispute Resolution, Bangladesh International Arbitration Centre Anniversary Publication, October 2017
-Enforcement Challenges for International Consumer Disputes resolved through ADR
in India 5 IJCLP (2017) 52
-The Amarchand Dispute and the Misunderstood Practice of Commercial Mediation in India, Bar and Bench, available at http://barandbench.com/the-amarchand-dispute-and- the-misunderstood-practice-of-commercial-mediation-in-india/
-Mediation Myth Buster 101, Bar and Bench, available at https://barandbench.com/mediation-myth-buster/
-Book Review: The Commercial Mediation Monograph by Sriram Panchu for Oak Bridge Publications and Livelaw.com co-authored with Anuroop Omkar
Provided by Chambers
Kritika Krishnamurthy is a founding partner at AK & Partners and an expert in FinTech regulatory and transactional matters.
Provided by Chambers
Kritika is very detail-oriented and always brings a 360-degree view and analysis to her solution to a legal or regulatory matter.
Kritika excels at executing complex matters within the sector and has a proven track record of delivering results, even in challenging situations.
Kritika consistently impresses with her deep FinTech expertise and keen insight into the ecosystem.
Kritika is very detail-oriented and always brings a 360-degree view and analysis to her solution to a legal or regulatory matter.
Kritika excels at executing complex matters within the sector and has a proven track record of delivering results, even in challenging situations.
Kritika consistently impresses with her deep FinTech expertise and keen insight into the ecosystem.
2 items provided by AK and Partners
When Compliance Fails: Stories Behind RBI's 2024 Penalty Wave
AK & Partners’ RBI Regulatory Penalty Report 2024 presents the first sector-wide analysis of these trends. It goes beyond listing who was fined and instead focuses on the why. It calls for institutions to consider whether their compliance functions are operationally embedded or reactive.
Will RBI consider extension of time for increase of net owned fund of NBFCs?
The Madras High Court directed the RBI to consider, on merits, representations made by non-deposit-taking NBFCs against the increased Net Owned Fund (NOF) requirement, without granting any interim relief or ruling on the circular’s validity. What are the implications for NBFCs in India?
When Compliance Fails: Stories Behind RBI's 2024 Penalty Wave
AK & Partners’ RBI Regulatory Penalty Report 2024 presents the first sector-wide analysis of these trends. It goes beyond listing who was fined and instead focuses on the why. It calls for institutions to consider whether their compliance functions are operationally embedded or reactive.
Will RBI consider extension of time for increase of net owned fund of NBFCs?
The Madras High Court directed the RBI to consider, on merits, representations made by non-deposit-taking NBFCs against the increased Net Owned Fund (NOF) requirement, without granting any interim relief or ruling on the circular’s validity. What are the implications for NBFCs in India?