Insights
Category: Banking & Finance
SARFAESI Section 13(4) Possession in 2026: When Lenders Should Use It and When They Should Not
Section 13(4) of SARFAESI gives the lender a route to possession without court intervention. The choice of when to use it, and…
Guarantees in Commercial Lending: Rights and Obligations Under Indian Law
Section 126-147 Contract Act, personal and corporate guarantees, discharge triggers, and IBC Part III implications for guarantors. Lender and guarantor guide.
External Commercial Borrowings: A Guide to India’s ECB Framework
Eligible borrowers, recognised lenders, all-in-cost ceilings, end-use rules, and RBI reporting under the ECB Master Direction. Indian borrower guide.
Loan Documentation in India: What Lenders and Borrowers Must Get Right
Facility, hypothecation, mortgage, guarantee, and intercreditor documents — common drafting errors that undermine enforcement and how to avoid them.
NPA Resolution Options for Lenders: OTS, Restructuring, SARFAESI, DRT, IBC
Compare OTS, restructuring, SARFAESI, DRT, and IBC — the optimal NPA path by security quality, borrower conduct, and recovery outlook. Lender guide.
Debt Recovery Tribunal: How the Recovery Process Works End to End
Filing an Original Application before the DRT, pleadings, recovery certificate, and execution. End-to-end procedure guide under the RDBA 1993 for lenders.
SARFAESI Act: How Lenders Enforce Security Without Going to Court
Section 13 notice, possession, sale process, and DRT challenge framework under the SARFAESI Act. Practical enforcement guide for banks and secured creditors.