Banking & Finance Law
Expert Legal Support for Financial Disputes and Recovery Matters
In today’s complex financial environment, borrowers and lenders often face challenges related to loan defaults, mortgage issues, and enforcement actions. We provide strategic legal solutions in Banking and Finance Law, ensuring robust representation before Debt Recovery Tribunals (DRT), guidance on SARFAESI Act proceedings, and professional opinions on financial agreements and mortgage structures.
Whether you're a borrower facing action under SARFAESI or a financial institution pursuing recovery, our experienced team delivers practical, timely, and effective legal support.
🔹 DRT (Debt Recovery Tribunal) Matters
We represent both financial institutions and borrowers in proceedings before the DRT and DRAT (Debt Recovery Appellate Tribunal).
Services Include:
Filing or defending Original Applications (OAs)
Challenging DRT orders before DRAT
Stay applications and interim reliefs
Negotiation and settlement support
🔹 SARFAESI Act Cases
Legal aid in cases under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002.
Services Include:
Representation against possession notices
Filing Securitisation Applications (SAs) under Section 17 before DRT
Objections to auction/sale of property
Assistance in loan restructuring negotiations
🔹 Loan Default Matters
We assist individuals, businesses, and guarantors in handling loan default disputes, ensuring legal rights are protected.
Services Include:
Legal notice handling and response
Negotiation for one-time settlement (OTS)
Contesting arbitrary or illegal recovery proceedings
Guidance on restructuring or moratorium options
🔹 Legal Opinion on Mortgage & Finance
Expert legal opinions on:
Mortgage documents and enforceability
Property title and encumbrances
Loan agreements and credit documentation
Financial transaction structuring from a legal standpoint
📁 Documents Generally Required:
To proceed with your case or seek legal advice, the following documents may be required:
Loan sanction letter and agreement
Repayment schedule and bank statements
SARFAESI notices (13(2), 13(4), etc.)
DRT case filings, if any
Mortgage deed or title documents
Property valuation report
Correspondence with bank/NBFC
Guarantor agreements, if applicable
🔄 Process Overview:
For Borrowers:
Initial Consultation – Discussion of facts and examination of notices or bank documents.
Document Review – Analysis of loan agreements, mortgage, and legal notices.
Legal Strategy – Plan for replying to notices, contesting actions, or negotiating settlements.
Filing with DRT – Securitisation Application (SA) or appeal, if needed.
Court Representation – Strong defense and interim reliefs.
Resolution – Settlement, restructuring, or favorable legal orders.
For Banks/Financial Institutions:
Drafting and filing Original Application before DRT.
Assisting with SARFAESI process – notices, publication, possession.
Representing in DRT hearings for enforcement.
Providing legal opinions on recovery and mortgage actions.
Individual borrowers & property owners
NBFCs & Banks
Real estate developers
Corporate guarantors & co-borrowers
Startups and MSMEs
📌 Why Clients Need These Services:
Received SARFAESI possession notice from bank or NBFC.
Facing DRT proceedings for recovery of loans.
Bank has initiated auction of mortgaged property.
Need to settle a loan default or restructure debt.
Seeking legal clarity on mortgage or finance documents.
Want to safeguard rights as borrower, guarantor, or co-owner.
⚖️ Why Choose Us?
In-depth Understanding of Finance Laws
Strategic Litigation & Advisory Support
Client-Centric & Confidential Approach
Experienced Representation before DRT/DRAT