L1
Notice + negotiation
Pehla stage
- Loan papers ka review
- 13(2) reply / objection
- OTS ya restructuring proposal
- Bank meetings
Consultation ke baad fixed quote
Scope likhit mein
Advocate · DRT & SARFAESI
Loan NPA ho gaya, bank ne Section 13(2) ka notice bheja, possession ya auction ki taiyari hai — SARFAESI aur DRT mein time limits bahut chhoti hain. Hum notice ka reply, bank ke saath restructuring ya OTS, DRT mein challenge aur DRAT appeal tak kaam karte hain. Banks aur lenders ki taraf se recovery bhi.
Kaam mein kya shamil hai
Fees
Professional fee stage, forum aur hearings ki sankhya par depend karti hai — consultation ke baad likhit mein.
Pehla stage
Consultation ke baad fixed quote
Scope likhit mein
Securitisation application
Consultation ke baad fixed quote
Stage ke hisaab se — kaam se pehle likhit mein
Appeal ya recovery
Consultation ke baad fixed quote
Forum ke hisaab se
Is page par di gayi jaankari general information hai, professional advice nahi. Positions facts aur us waqt ke law par depend karti hain — apne case ke liye humse baat kar lijiye.
OTS aur restructuring proposal CA banata hai, legal reply Advocate — bank ko ek hi mazboot file.
13(2), 45 din, 30 din — har time limit ka calendar pehle din se.
Scope
Borrower ho ya lender — notice se DRAT tak.
13(2) ka reply, objection aur 13(3A) ka jawab.
Restructuring, OTS aur payment plan — numbers ke saath proposal.
Section 17 application, interim relief aur arguments.
Appeal, pre-deposit waiver application aur hearings.
Section 14 possession proceedings mein representation.
Banks, NBFCs aur lenders ke liye recovery aur DRT original applications.
Kanoon kya kehta hai
₹20 lakh ya usse zyada ke bank recovery cases Debts Recovery Tribunal (RDB Act, 1993) mein jaate hain. MSME borrowers ke liye RBI ka restructuring framework bhi relevant hai.
Account NPA hone ke baad bank 60 din ka notice deta hai.
Notice ke dauraan borrower objection de sakta hai; bank ko 15 din mein reasons ke saath jawab dena hota hai.
60 din baad bank security ka possession le sakta hai; physical possession ke liye CMM / DM ka order.
Section 13(4) ki kaarwai ke 45 din ke andar DRT mein securitisation application.
DRT order ke 30 din mein appeal; debt ka 50% jama (Tribunal 25% tak kam kar sakta hai).
Agricultural land, ₹1 lakh se kam ka loan, ya jahan bacha hua debt principal ka 20% se kam ho.
Ye baatein pehle se jaan lijiye
Objection ka mauka gaya — baad mein DRT mein yahi point kamzor.
Possession ke baad DRT jaane ki limit chhoti hai.
MSME restructuring framework ka fayda lene ke liye bank ko pehle batana zaroori.
Sale notice publish hone ke baad redemption ka haq khatam ho sakta hai.
Bina payment plan ke stay mushkil — court bhi seriousness dekhta hai.
CGA ka process
Notice ki date, loan papers aur bachi hui time limit.
Bank ko objection ya representation — record banta hai.
Restructuring ya OTS ka realistic proposal.
Zaroorat ho toh Section 17 application aur interim relief.
DRAT ya bank ke saath final settlement.
Documents
Ye list taiyar rakhiye. Photo ya scan WhatsApp par bhej dijiye — original sirf zaroorat par. Case ke hisaab se list thodi badal sakti hai.
Zaroori
SARFAESI mein time limits din ke hisaab se chalti hain. Notice aate hi sampark kariye — deri se options kam ho jaate hain.
DRT ya court stay tabhi dete hain jab borrower ka case mazboot ho ya payment ki seriousness dikhe. Hum shuru mein hi realistic picture dete hain.
60 din ke andar payment ya bank ko objection / representation dijiye. Bank ko 15 din mein reasons ke saath jawab dena hota hai. Saath hi OTS ya restructuring ka proposal bhi taiyar kariye.
Section 13(4) ki kaarwai ke 45 din ke andar DRT mein Section 17 application file ho sakti hai. Interim relief case ke merits aur payment ki seriousness par depend karta hai.
Supreme Court ke hisaab se sale notice publish hone ke baad redemption ka haq generally khatam ho jata hai. Isliye auction notice se pehle hi kaarwai zaroori hai.
MSME borrowers ke liye RBI ka restructuring framework hai. Supreme Court ne kaha hai ki banks ko iska palan karna chahiye, lekin borrower ko time par apna MSME status aur request bank ke saamne rakhni hoti hai.
Aur bhi
Yeh jaankari Bar Council of India ke niyamon ke anusar sirf information ke liye hai. Yeh kisi tarah ka advertisement ya solicitation nahi hai. Kisi bhi matter ka result court ya authority tay karti hai; CGA kisi result ki guarantee nahi deta.
Kaunsa notice aaya hai (13(2), 13(4) ya sale notice), kis date ko, aur loan kitna hai — itna bataiye. Time limits chhoti hain, isliye jaldi baat kariye.