Received a SARFAESI notice, a possession notice or a DRT summons? Advocate Amarendra Kumar Dubey and the team at Global Vision Law Firm defend borrowers, guarantors and businesses before DRT-I, II and III Delhi and DRAT Delhi. We also act for banks and NBFCs on recovery.
Pick what you received and the date. We'll show your legal deadline.
Banks rely on borrowers not understanding these notices. Each one has a legal deadline and a defence, and each one can contain mistakes that a DRT can act on.
The bank has classified your loan as an NPA and demands full repayment within 60 days, failing which it can take your secured property.
What to do: send a written objection under Section 13(3A). The bank must reply with reasons within 15 days. This record becomes valuable at the DRT later.
The bank has taken symbolic possession of your property, usually with a notice pasted on the premises and published in newspapers.
What to do: your 45-day window to file a securitisation application (SA) under Section 17 before the DRT has started.
The Chief Metropolitan Magistrate or District Magistrate has authorised the bank to take physical possession, often with police help.
What to do: the remedy is a Section 17 application at the DRT. Tenants and third parties have separate rights there too.
The bank has fixed a reserve price and an auction date. The sale cannot take place until at least 30 days after the public notice.
What to do: check valuation, notice service and the reserve price at once. Your right to redeem by paying the full dues ends when this notice is published.
The bank has filed an Original Application for recovery of ₹20 lakh or more against you, and often your guarantors.
What to do: file your written statement, and any counter-claim or set-off, within 30 days of service. An ex-parte order is hard to undo.
The DRT has decided the OA and the Recovery Officer can now attach and sell your assets, or even freeze accounts, to recover the amount.
What to do: consider a DRAT appeal or an objection before the Recovery Officer, and settlement options, before assets are sold.
Every stage has a deadline the bank must respect, and a point where you can push back. The earlier you act, the more options you have.
We represent both sides of the table, so we know how banks build their cases and where those cases are weak.
Challenge possession, a Section 14 order or a sale before the DRT, and seek an interim stay.
A strong written statement, counter-claim and evidence in recovery cases under the RDB Act.
We negotiate a one-time settlement or restructuring while your case keeps the bank's enforcement in check.
Appeals against DRT orders before DRAT Delhi, including applications to reduce the pre-deposit.
Defending guarantors in OAs and in personal insolvency applications filed by banks before the DRT.
Tenants, co-owners and auction purchasers whose rights are affected by a bank's recovery action.
Objections to attachment, sale proclamations and account freezes ordered under a recovery certificate.
Section 13(3A) objections and a clear plan before the bank's next step, often the cheapest stage to act.
Drafting and filing OAs under Section 19 of the RDB Act on the e-DRT portal, with interim attachment where needed.
Compliant 13(2) and 13(4) notices, Section 14 applications and sale notices that survive a challenge.
Opposing securitisation applications and DRAT appeals filed by borrowers, and resisting stay applications.
Pursuing attachment, sale and recovery through the Recovery Officer, and tracing assets.
Advocate Amarendra Kumar Dubey has practised law in Delhi for more than 13 years and leads Global Vision Law Firm's banking and debt recovery work. He advises borrowers, MSMEs, guarantors and lenders on SARFAESI and RDB Act matters, and appears in recovery, appellate and connected writ proceedings.
Delhi has three DRT benches and an appellate tribunal. Which bench hears your matter depends on the bank's filing and the territorial allocation; we check this before anything is filed.
Addresses as published by the Debts Recovery Tribunals. Benches and sittings can change, so we confirm the current position before every hearing.
There is no 50% deposit to approach the DRT. The deposit applies only when you appeal a DRT order to the DRAT, and it can be reduced, so plan for it from day one.
On a ₹1 crore claim, a DRAT appeal needs ₹50 lakh, or as little as ₹25 lakh if the DRAT reduces it.
"I must deposit half the loan to go to the DRT."
A Section 17 application needs only the court fee. The pre-deposit applies to a DRAT appeal.SARFAESI Act, Sections 17 & 18
"I can always pay the dues the day before the auction and stop it."
Since the 2016 amendment, the right to redeem ends when the auction notice is published.Section 13(8); Celir LLP v. Bafna Motors (SC, 2023)
"If I ignore the notice, the bank can't do anything without a court."
Under SARFAESI, banks can take possession and sell secured property without first going to court.SARFAESI Act, Section 13(4)
"A guarantor is safe until the borrower's case is over."
A guarantor's liability is generally co-extensive with the borrower's. Banks often proceed against both together.Indian Contract Act, Section 128
These are the problems people most often bring to us, and how we approach each one.
The right lawyer for your case is the one who can show you these, not the one with the loudest advertisement.
Ask how often they appear before DRT-I, II, III and DRAT Delhi, and whether they file on the e-DRT portal.
A good DRT lawyer checks 13(2), 13(4), the possession panchnama and the sale notice for defects before advising you.
They should tell you your deadline, and what happens if the 45-day or appeal limit is missed.
Most DRT matters end in a settlement. Your advocate should be able to negotiate an OTS, not only litigate.
Court fee, pre-deposit and professional fees should be explained before you sign anything.
DRT cases often overlap with NCLT, MSME, cheque bounce and High Court writs. One team that handles all of these saves you time.
A securitisation application under Section 17 of the SARFAESI Act must be filed before the Debts Recovery Tribunal within 45 days from the date the bank takes a measure under Section 13(4), such as taking possession. Treat this deadline as strict: delay is very difficult to get condoned, so speak to a DRT lawyer immediately.
No. A Section 17 application before the DRT requires only the prescribed court fee. The pre-deposit applies when you appeal a DRT order to the Debts Recovery Appellate Tribunal: 50% of the amount, which the DRAT may reduce to not less than 25%.
You can ask the DRT to stay the auction in a Section 17 application if the bank has not followed the SARFAESI Act or the Security Interest (Enforcement) Rules: for example, defective notices, an improper NPA classification, wrong valuation or no proper sale notice.
After the 2016 amendment to Section 13(8), the borrower's right to redeem by paying the full dues ends when the auction notice is published, so act as early as possible.
Delhi has three Debts Recovery Tribunals, DRT-I, DRT-II and DRT-III, functioning from the 4th Floor, Jeevan Tara Building, Parliament Street (Sansad Marg), New Delhi 110001. Appeals go to the Debts Recovery Appellate Tribunal, Delhi, at Jeevan Deep Building, Sansad Marg.
Banks and financial institutions can file an Original Application before the DRT only when the debt due is ₹20 lakh or more, under the Central Government's notification of 6 September 2018. Smaller claims go to civil courts or other forums.
Don't ignore it. You have 60 days to pay or respond. Send a reasoned written objection under Section 13(3A); the bank must reply with reasons within 15 days. Use this time to check the NPA classification and the amount claimed, and to explore restructuring or an OTS.
It depends on the bench's workload, whether the case is contested and whether interim relief is sought. Urgent stay applications can be listed quickly, while a contested OA with evidence can take considerably longer. Settlement can close a matter much sooner, and we pursue it in parallel where it serves you.
Yes. Banks usually join guarantors as defendants in the OA, and the DRT is also the forum for insolvency proceedings against personal guarantors of corporate debtors under Part III of the Insolvency and Bankruptcy Code.
Choose an advocate who regularly appears before DRT-I, DRT-II and DRT-III Delhi and DRAT Delhi, files on the e-DRT portal, checks every SARFAESI notice for defects, can negotiate a one-time settlement with the bank, and explains the pre-deposit and appeal costs upfront.
Advocate Amarendra Kumar Dubey of Global Vision Law Firm handles DRT, DRAT and SARFAESI matters for borrowers, guarantors and lenders.
Bring every notice from the bank (13(2), 13(4), sale notice), the sanction letter and loan agreement, guarantee and mortgage documents, your loan account statement, any correspondence or OTS letters, and any DRT papers you've been served with. Photos on WhatsApp are fine for a first review.
Share a few details and Advocate Dubey's team will call you back, usually the same working day. If your auction or deadline is close, call us directly.
Disclaimer: As per the rules of the Bar Council of India, Global Vision Law Firm does not solicit work or advertise. This page gives general information about the SARFAESI Act, 2002, the Recovery of Debts and Bankruptcy Act, 1993 and related rules as of November 2026. It is not legal advice and does not create a lawyer–client relationship. The deadline tool gives an indicative date only: limitation depends on the facts, the date of service and the exact order, so please get your papers checked by an advocate. Related: Banking & Finance · NCLT Lawyer · MSME Recovery · Bank Freeze & Cheque Bounce · Contact
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