Banking, DRT and SARFAESI: blogs and guides
16 guides on banking, drt and sarfaesi, written for people dealing with the problem now.
Got a SARFAESI Notice Under Section 13(2)? How to Reply
What a SARFAESI section 13(2) demand notice means, what to check in it, and how to write a section 13(3A) objection the bank must answer within 15 days.
Section 17 Application in the DRT Against Bank Possession
How a borrower, guarantor or tenant challenges SARFAESI possession through a section 17 application in the DRT: the 45 days, the grounds, the stay and the orders.
Can You Stop a Bank Auction of Your Property
The real ways to stop or delay a SARFAESI auction: paying before the sale notice, settlement, a DRT stay for defects, and what is left after the sale.
Defending a Bank's Original Application Before the DRT
How to defend a bank's recovery case (Original Application) in the DRT: the 45-day written statement limit, limitation, the amount, set-off, counter-claim and settlement.
DRAT Appeal and Pre-Deposit Under SARFAESI and the RDB Act
How to appeal a DRT order to the DRAT, the 30 and 45 day limits, how the 50% and 75% pre-deposits are worked out, and when the DRAT reduces them.
One-Time Settlement With a Bank: How to Negotiate It
How banks decide a one-time settlement figure, when to make the offer, what the proposal and sanction letter must say, and what to collect after you pay.
Recovery Agent Harassment: RBI Rules and Legal Remedies
What bank and NBFC recovery agents may and may not do under RBI rules, the new 2026 directions, and how to complain to the bank, RBI, police or court.
Wilful Defaulter Declaration: Procedure and How to Challenge It
How banks declare a borrower, guarantor or director a wilful defaulter under RBI's 2024 directions, how to reply to the show cause notice, and how to challenge the order.
A Guarantor's Liability When the Borrower Defaults
How far a loan guarantor is liable when the borrower stops paying, what the bank can do to you and your property, and when a guarantor is discharged.
Section 14 SARFAESI Order by the DM or CMM: Your Options
What a magistrate's order for physical possession under section 14 SARFAESI means, how to challenge it in the DRT, and what to do before the bank arrives.
RBI Integrated Ombudsman Complaint: Process and Limits
How to file a complaint with the RBI Ombudsman under the Integrated Ombudsman Scheme 2026: the 90-day deadline, compensation limits, appeals and what it cannot decide.
Credit Card or Personal Loan Default: Notices, Arbitration and Cases
What a bank or NBFC can legally do when you default on a credit card or personal loan, from notices and arbitration to Lok Adalat, cheque cases and suits.
Wrong CIBIL Entry: Getting Your Credit Report Corrected
How to get a wrong entry in your CIBIL or other credit report corrected: who fixes it, the 30-day rule, ₹100 a day compensation, and where to escalate.
MSME Loan Restructuring and Protection From Recovery
How the MSME revival framework and the Supreme Court's Pro Knits ruling require banks to try restructuring before declaring an MSME loan NPA, and how to use it.
Bank Classifies Your Account as Fraud: Your Rights After the 2023 Ruling
What happens when a bank proposes to classify your loan account as fraud: the show cause notice, the forensic audit report, your written reply, and challenging the order.
DRT Recovery Certificate and Recovery Officer Proceedings
What happens after the DRT issues a recovery certificate: the Recovery Officer's notice, attachment, auction, arrest, objections, the 30-day appeal and settlement.