Muhammad Arooj & Associates

The only full-service global law firm in Jammu & Kashmir. We work for clients from anywhere to anywhere.

Our Philosophy

Our clients and their needs come first. It is upon this founding principle that our firm’s philosophy is based. It is through execution of this philosophy that our clients’ goals are achieved. Our commitment to client communication, quality legal services and cost-effective billing practices is what sets Muhammad Arooj & Associates apart in its service and results.

Our Mission

We worked hard on the formulation of our mission statement, and literally every word of it has special meaning:
We – we think of our firm as a team, and each of our attorneys practices principally on one practice team. Our Firm culture encourages and rewards collaboration in all aspects of our business, because we believe collaboration enhances client service.

Our teams have regularly been ranked among the world’s top legal advisors in a variety of fields and jurisdictions. The commercial, insolvency, and tax law elements of structured financing and securitization transactions are handled seamlessly by our cross-border teams, which has a wealth of expertise in dealing with the commercial and operational problems that emerge in these transactions.

Non-recourse structures

A non-recourse loan, more broadly, is any consumer or commercial debt that is secured only by collateral. In case of default, the lender may not seize any assets of the borrower beyond the collateral. A mortgage loan is typically a non-recourse loan.

Consignment and title finance

With the rise of retail store bankruptcies, it has become clear that many suppliers that consign goods to retail merchants are not fully knowledgeable of the commercial law rules governing consignments.

Receivables financing

Accounts receivable financing is an agreement that involves capital principal in relation to a company’s accounts receivables.


Document Review

This is often the most labor-intensive and expensive stage of the litigation process. We do it for you, time bound and cost effective.  

Litigation Services

Digital forensics, information gathering, research and fact-finding. Rest assured, we deliver it for you, all remotely and quickly. 


Contract Management

We manage contract creation, execution and analysis to maximize operational and financial performance of your organization. Helping you to focus on your core business. 

Legal Research

We streamline the process of finding an answer to a legal question or checking for legal precedent that can be cited in a brief or at trial. So your team can plan freely, and execute flawlessly. 

Business Incorporation

We are specialist in company formations almost any where in the world. We work through our strategic partners and government connections in the US, UK, China, India and the UAE. 

Artificial Intelligence

AI is new, it is hot. Our tailor-made legal software solutions help your organization make the most legal Artificial Intelligence. Delivering the best solution in the shortest time possible. 


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Swift Drafting

We provide your organization legal drafting solutions, backed with technology, fortified with research and blessed with client confidentiality. Again, in the shortest time possible. 

Mergers & Acquisitions

The breadth of our geographical reach has allowed us to maintain our leadership position, handling a broad array of public and private companies, private equity firms and financial sponsors, investment banks, governmental entities, and other institutions and individuals in almost every type of M&A situation.

We are a law firm with a global outreach.

Straight talking. Thinking around corners. Solving the problem before it becomes one. Our lawyers work with you to solve your toughest legal issues.

Muhammad Arooj

Muhammad Arooj

Managing Partner

“Our mission is to forge technology and practice of law, produce high-quality legal services and make them universally accessible and useful.”


Business Law

We assist clients in forming business entities, structuring the relationships among investors and managers, raising capital through public or private offerings of securities or by selling assets, and resolving disputes related to management of business entities or the sale of securities.

Civil & Commercial

Our Firm’s commercial practice encompasses commercial contracts, compliance with business laws, joint ventures, commercial agencies, franchises and distribution agreements.

Our unique strengths are our knowledge and understanding of regulatory environment, combined with our ability to deliver legal product to international standards.

Structured Finance

Our practice encompasses credit card receivable, personal loan, auto loan and lease, and residential and commercial mortgage loan securitizations; solar energy finance transactions; whole-business securitizations; collateralized loan obligations; insurance-related securitizations; commercial paper programs; credit derivatives; and principal finance.

Family Law

The practice of family law tends to center around the major topics of divorce, child custody, domestic violence, property, and prenuptial agreements. However, the nature of the practice means a thoughtful, experienced approach is often needed for best effect. This is especially true when children are caught in the middle of family disputes, financial matters, or court proceedings.


We have adopted a fanatical commitment to client service. By design, it is contagious, infecting everyone at our firm at every level. Our goal is to help our clients through challenging and often unfamiliar problems. We understand that their issues are consuming them. So, we literally take the problems off of their shoulders. When a client hires Arooj, their problems become ours. And we are fully committed to solving them.


“I am so thankful to Arooj & Associates. Their firm helped us get through some of the hardest times of our lives. They really care about their clients.”

Haseena Sheikh, Family Law Client

Muhammad Arooj & Associates

The law firm delivers results.