Securing recovery, one enforcement at a time.
Advocate Hansal Shukla & Associates practices exclusively in SARFAESI Act enforcement, DRT/DRAT representation, and banking recovery litigation, trusted panel counsel for financial institutions across Ahmedabad.
Two sides of every recovery matter, one firm that understands both.
Financial Institutions
Banks, NBFCs, and small finance banks looking for dedicated panel counsel to handle SARFAESI enforcement, DRT filings, and recovery litigation across their loan portfolio.
- Empanelment onboarding
- Portfolio-level recovery tracking
- Time-bound tribunal filings
Borrowers & Guarantors
Individuals and businesses facing SARFAESI action who need their notice, possession, or auction proceedings reviewed for procedural correctness.
- Demand notice review
- DRT representation
- Possession & auction challenges
A single, deep specialization, not a general practice.
SARFAESI Act, 2002 Proceedings
End-to-end counsel for secured creditors enforcing security interests under the SARFAESI Act, from demand notice to possession.
DRT & DRAT Representation
Representation before the Debts Recovery Tribunal and Appellate Tribunal in Securitisation Applications and recovery appeals.
NPA Recovery & Bank Recovery Suits
Structured recovery strategy for non-performing accounts, from classification through litigation, settlement, or enforcement.
Possession & Auction Assistance
Legal support for taking possession of secured assets and conducting a compliant, defensible e-auction sale.
Panel Advocacy for Banks, NBFCs & Small Finance Banks
Empanelled legal counsel offering dedicated, responsive coverage for a financial institution's recovery docket.
Legal Advisory & Compliance for Financial Institutions
Pre-litigation advisory that keeps loan documentation, security creation, and recovery notices audit-ready.
From demand notice to sale certificate, in six defined stages.
See the Full ProcessSection 13(2) Demand Notice
The secured creditor issues a written demand notice once the account is classified as an NPA.
Section 13(3A) Representation
The borrower may respond to the notice; the creditor must consider and reply within 15 days.
Section 13(4) Possession
If dues remain unpaid after 60 days, the creditor may take symbolic or physical possession of the secured asset.
Section 14 Magistrate Assistance
Where possession is resisted, the creditor applies to the District Magistrate or CMM for assistance.
Sale / E-Auction
The asset is valued, a reserve price fixed, and sold through a compliant e-auction process.
Sale Certificate & Recovery
Sale proceeds are applied against the outstanding dues and a sale certificate issued to the purchaser.
Notes on SARFAESI, DRT practice, and banking recovery.
Wrongful Possession Under SARFAESI: When and How to Challenge It
Not every possession taken under SARFAESI was lawfully taken. Here is how to recognise wrongful possession, and the process for challenging it.
Read Article
Your Rights as a Guarantor When the Principal Borrower Defaults
Standing as a guarantor carries real exposure once the borrower defaults. Here is what the law actually entitles a guarantor to expect.
Read Article
Received a SARFAESI Notice? Here's What to Do in the First 60 Days
The 60-day period after a SARFAESI notice is the most consequential window a borrower gets. Here is how to use it well.
Read ArticleFacing a recovery matter, or need panel counsel for one?
Speak directly with Advocate Hansal Shukla about your SARFAESI, DRT, or banking recovery matter.