SARFAESI Act Proceedings arise under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, which empowers banks and financial institutions to recover dues without direct court intervention.

Upon loan default, lenders may issue demand notices, classify accounts as Non-Performing Assets (NPAs), take symbolic or physical possession of secured assets, conduct auctions, and enforce recovery measures.

Borrowers have the right to challenge unlawful actions, improper classification, procedural irregularities, or valuation issues before the Debt Recovery Tribunal (DRT) and appellate authorities.

This service includes drafting replies to demand notices, filing securitisation applications before DRT, stay applications against possession or auction, settlement negotiation, appellate representation, and compliance advisory.

The objective is to ensure lawful enforcement of recovery rights while protecting borrower interests and procedural fairness.