Advocate Services
Protecting Rights of Both Creditors and Borrowers with Legal Precision
The SARFAESI Act 2002 empowers banks and financial institutions to enforce security interests without court intervention. We help both creditors and borrowers navigate SARFAESI proceedings with expert guidance, documentation, and DRT representation.
🏦 Bank Representation👤 Borrower Defense⚖️ DRT / DRAT🔨 Auction Challenge
Scope of Our SARFAESI Services
🏦
For Banks & Financial Institutions
NPA Recovery
- Non-Performing Asset (NPA) recovery strategy
- Enforcement of security interest
- Representation before DRT & DRAT
- Sale of assets under SARFAESI auction
👤
For Borrowers / Defaulters
Borrower Rights
- Unlawful possession defense
- Relief against wrongful auction or undervaluation
- Filing SA (Sec. 17) before DRT
- Negotiation & settlement facilitation
📋
Sec. 13(2) Legal Notices
60-Day Demand Notice
- Drafting and serving notices to defaulting borrowers
- Advising borrowers on appropriate response
- Representation required within 60-day notice period
⚖️
DRT Appeals — Section 17
Aggrieved Borrowers
- Filing appeals under Sec. 17 before DRT
- Stay orders and injunctions against illegal possession
- Further appeal to DRAT under Section 18
| Section | Purpose |
|---|---|
| Sec. 13(2) | 60-day notice to defaulting borrower to clear dues |
| Sec. 13(4) | Possession of secured asset or management of business |
| Sec. 14 | Magistrate's assistance for physical possession |
| Sec. 17 | Appeal by aggrieved party to DRT |
| Sec. 18 | Further appeal to DRAT |
✅ Borrower's Rights Under SARFAESI
- Right to receive 60 days' notice before enforcement action
- Right to file representation or objection to the notice
- Right to appeal before DRT if aggrieved by Sec. 13(4) action
- Right to claim damages for wrongful possession or undervalued sale
⚠️ Limitations of SARFAESI Act
- Not applicable to agricultural land or loans below ₹1 lakh
- Not available for unsecured loans
- Can be challenged under constitutional law if due process is violated
Why Clients Choose Us
Experienced Advocate Team
Skilled advocates with deep expertise across civil, criminal, corporate, consumer, and family law matters.
Client-Centric Approach
We listen carefully, craft strategies tailored to your situation, and provide regular updates throughout your case.
Strict Confidentiality
All case details are handled under advocate-client privilege with complete discretion and professional ethics.
Pan-India Representation
We appear before District Courts, High Courts, Consumer Forums, DRT, RERA, and Tribunals across India.