INDEPENDENT THINKING · COMMERCIAL PERSPECTIVE

The law behind
the decision.

Corporate transactions, commercial disputes and regulatory questions need an answer that accounts for the law, the documents and the decision ahead. Speak with Chambers about the scope of your matter.

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01 / CORPORATE & COMMERCIAL02 / DISPUTES & ADVOCACY03 / REGULATION & FINANCE
THE FIRM / NINETY TWO CHAMBERS

Advice shaped around
your ambition.

Independent legal counsel connecting commercial objectives with rigorous legal analysis.

We begin with the decision the client must make, examine the relevant facts and law, and explain the available options. Our transactional, regulatory and dispute-resolution perspectives come together to help businesses and institutions manage risk and move forward with clarity.

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Ninety Two Chambers office interiorNINETY TWO CHAMBERS / OUR FIRM
OUR PRINCIPAL PRACTICES / NINETY TWO CHAMBERS

The work behind
the decision.

Three connected disciplines form the centre of our practice. Each instruction calls for a clear legal position and a practical understanding of the consequences.

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INDUSTRY PERSPECTIVE

Work in the setting
where the law applies.

Commercial realities change from industry to industry. Explore the sectors where industry-specific permissions, financing and operations shape the legal position.

01 / SECTOR

Financial Services & Fintech

Authorisation, capital and conduct obligations are part of the business model—not a separate compliance exercise.

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02 / SECTOR

Technology, Media & Telecoms

The legal architecture of a platform must work before its product reaches scale.

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03 / SECTOR

Energy & Natural Resources

A project’s profitability depends on how regulation, offtake, financing and delivery risks are allocated.

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04 / SECTOR

Real Estate & Infrastructure

Title, tender obligations, design responsibility and contract administration determine the real exposure.

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05 / SECTOR

Manufacturing & Industrials

Operational legal risk is found in supply, workforce, trade and asset commitments.

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06 / SECTOR

Healthcare & Life Sciences

Clinical and institutional operations require permissions, accountable governance and defensible contracting.

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07 / SECTOR

Public Sector & Government Contracting

Public contracts must survive scrutiny both as official decisions and commercial commitments.

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08 / SECTOR

Consumer, Retail & E-Commerce

Growth increases exposure across vendor contracts, consumer expectations, data and employment.

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09 / SECTOR

International Trade & Logistics

Trade risk is determined by documents, classifications, delivery terms and payment security.

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10 / SECTOR

Investment & Development

Capital should enter a structure that can own, operate and protect the investment.

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PROFESSIONAL EXPERIENCE

Organisations our counsel have worked with and for.

03 / BUSINESS SERVICES

From incorporation
to compliance.

Company formation, statutory licences, intellectual property, registrations and ongoing compliance — find the precise assistance your business requires.

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01Company Formation11 SERVICES
02SECP & Financial Licensing24 SERVICES
08Virtual Assets / PVARA15 SERVICES
09Trade, Export & Customs11 SERVICES
KNOWLEDGE / NINETY TWO CHAMBERS

The Knowledge Desk.

Analysis, regulatory developments, judicial decisions and practical legal answers — connected in one place.

01 / INSIGHTS & ANALYSIS

Legal analysis and
commentary.

Perspectives on legal and regulatory developments affecting business decisions in Pakistan.

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02 / REGULATORY INTELLIGENCE

What changed.
What matters next.

Developments across federal regulators, provincial authorities and market institutions, assessed through a legal and commercial lens.

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SBP / 29 Oct 2026

SBP makes SMEConnect the mandatory route for SME financing applications from 1 November 2026

All SME finance applications must use the SMEConnect portal from 1 November 2026. Banks and DFIs must assist branch applicants, redirect digital applicants and display the link; the specified SME R-6 digital-application rule is withdrawn.

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SBP / 28 Oct 2026

SBP makes consolidated licensing handbook applicable to new regulated-entity applications

SBP has consolidated and updated its licensing instructions into one handbook. Every new application for the seven identified categories of regulated entities is to be processed under that handbook; the circular does not expressly determine treatment of applications already pending.

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SBP / 28 Oct 2026

SBP clears eligible Khyber Pakhtunkhwa sugar mills to use their approved export quotas

The 28 October revision removes the outstanding provincial endorsement obstacle for eligible Khyber Pakhtunkhwa sugar mills. It does not increase the national 200,000-metric-ton export permission or relax the existing payment, shipment and reporting conditions.

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SBP / 28 Oct 2026

SBP permits wholesale and agency financing for small enterprises and small farmers

SBP introduces a wholesale and agency financing framework for small enterprises and small farmers. Financing under these arrangements is reportable in banks' relevant portfolios and linked to existing federal risk coverage schemes.

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03 / LATEST JUDGEMENTS · CASE LAW

Recent decisions.
Practical implications.

New decisions from Pakistan’s superior courts, examined through the facts, questions of law, judicial reasoning and practical relevance.

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Lahore High Court / 21 October 2026

Can a Wage Authority Decide a Non-Profit Employer's Liability Without Properly Addressing Jurisdiction?

The Lahore High Court set aside a wage award and an appeal dismissal concerning a non-profit school operator, remanding the claim for fresh consideration of jurisdiction, the employer's legal status and relevant preliminary issues without deciding ultimate liability.

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Lahore High Court / 27 October 2026

Can Missing a Bank Guarantee Deadline Automatically Defeat a Specific-Performance Suit?

The Lahore High Court declined to interfere with orders refusing to dismiss a specific-performance suit merely because a bank guarantee was not furnished within an interlocutory deadline. The direction was independent of interim relief, specified no consequence of non-compliance, and the disputed balance of consideration required evidence. The High Court's observations were expressly tentative.

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Lahore High Court / 12 Oct 2026

Must an Insurance Tribunal Give Reasons on Every Material Issue?

The Lahore High Court set aside and remanded an insurance-claim award because the Insurance Tribunal did not give issue-wise findings on limitation, payment, calculation and the basis for liquidated damages.

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Lahore High Court / 15 Oct 2026

Can Section 122(5A) Be Used to Search for Errors in a Deemed Tax Assessment?

A section 122(5A) amended assessment must rest on a demonstrable error prejudicial to revenue. The Lahore High Court rejected a revenue reference challenging tribunal relief on bad debts, vehicle depreciation and related deductions where the department did not establish legal or evidential error.

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04 / ASK CHAMBERS · LEGAL KNOWLEDGE

The law, explained.
One question at a time.

Find practical answers to questions about business, regulation, commercial disputes and everyday legal matters in Pakistan. Explore 390 editorial questions across our areas of practice.

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