FINANCIAL DISTRESS DOSSIER // DRT & SARFAESI

Loan, NPA & DRT Documentation Support

Structured documentary analysis, interest audit collation, and chronology assembly for borrowers, MSMEs, and commercial entities facing banking recovery actions.

THE RECOVERY CRISIS

Restoring Clarity to Asymmetric Banking Disputes

When commercial borrowers encounter loan stress or formal Non-Performing Asset (NPA) classification, financial institutions initiate rapid statutory measures under the SARFAESI Act, 2002, and Debt Recovery Tribunal (DRT) mechanisms.

Borrowers are routinely confronted with voluminous demand notices, compounding interest sheets, penal levies, and security possession notices. Disorganized records frequently result in missed statutory objection windows.

LAWZIX reorganizes the entire lending record into an unassailable audit binder.

CRITICAL DOCUMENTATION 01

SARFAESI Section 13(2) & 13(4) Notice Analysis

Reviewing bank statutory notices for strict compliance with statutory timeframes, mandatory disclosure of loan accounts, and legal prerequisites prior to asset classification.

CRITICAL DOCUMENTATION 02

Account Ledger & Interest Discrepancy Audits

Tracing bank account statement transactions against sanction letters to identify unauthorized penal rates, interest capitalisation errors, and uncredited deposits.

CRITICAL DOCUMENTATION 03

DRT Application Case File Compilation

Compiling all loan agreements, mortgage title deed records, valuation reports, and written correspondences into indexed briefing books ready for advocates filing Securitisation Applications (SA) before DRT.

RECOVERY MATTER METHODOLOGY

The 8-Stage Loan to Case File Framework

From initial sanction letter to fully compiled DRT briefing dossier: how we organize complex financial recovery records.

STAGE 01 Loan Sanction Auditing original sanction letters, facility agreements, hypothecation deeds, and terms.

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STAGE 02 Account History Collating full historical bank statements, servicing records, and repayment ledgers.

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STAGE 03 NPA Status Evaluating date of classification against RBI Prudential Norms on Income Recognition and Asset Classification (IRAC).

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STAGE 04 Notices Cataloguing recall notices, SARFAESI Section 13(2) demands, 13(3A) representations, and 13(4) possession notices.

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STAGE 05 Security & Property Documenting title deeds, equitable mortgage creation memos, and collateral asset valuation reports.

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STAGE 06 Communications Indexing formal restructuring requests, OTS proposals, emails, and bank replies.

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STAGE 07 Legal Proceedings Tracking Section 14 CMM/DM filings, Chief Judicial Magistrate orders, or DRT original applications.

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STAGE 08 Case Support File Delivering an organized, indexed, exhibit-tagged DRT matter file for advocate deployment.

RECOVERY MATTER AUDIT

Organize Your Loan & Notice Records

Confront banking recovery actions with complete factual and numerical clarity. Request our loan audit and notice synthesis today.

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