Academic Analysis & Statutory Legal Guidance under SARFAESI Act, DRT & RBI Circulars
Adv. Shakti Kumar Jain, B.Com, CAIIB, LL.B. (Gold Medalist)
Retired Senior Officer from SBI Stressed Assets Management (SAM) Branch with 35 years core banking experience in resolving stressed assets.
Navigating non-performing asset (NPA) classification, SARFAESI Section 13(2) demand notices, and DRT recovery proceedings demands rigorous technical mastery of RBI IRAC Prudential Norms and Supreme Court statutory precedents.
This legal portal delivers high-authority academic jurisprudence, strategic borrower defense insights, and institutional retainer guidance to safeguard financial rights and ensure due process of law without commercial solicitation.
Simulate an advocate's consultation to audit procedural lapses, legal risks, service defects, statutory non-compliance, and grounds of challenge before DRT / High Court.
Probable OTS Settlement Amount Range:
(70% — 75% of Realizable Property Value)
• Used to audit RBI 90-day IRAC prudential classification compliance and timeline gaps.
Navigating non-performing asset (NPA) classification, SARFAESI Section 13(2) demand notices, and DRT recovery proceedings demands rigorous technical mastery of RBI IRAC Prudential Norms and Supreme Court statutory precedents.
B.Com, CAIIB, LL.B. (Gold Medalist)
Retired Senior Officer, State Bank of India (SBI) Stressed Assets Management (SAM) Branch
35 Years Core Banking Experience in Resolving Stressed Assets
"Safeguarding financial rights through academic jurisprudence and due process of law."
This legal portal delivers high-authority academic jurisprudence, strategic borrower defense insights, and institutional retainer guidance to safeguard financial rights without commercial solicitation.
With decades of experience navigating the complex intersection of banking regulations and legal frameworks, we provide precision technical audits of 90-day default rules, IRAC classifications, and compromise policies across all 39 DRTs in India.
Retired from SBI Stressed Assets Management (SAM) Branch with unparalleled institutional knowledge.
Distinguished legal academic achievement ensuring rigorous statutory defense strategies.
Certified Associate of Indian Institute of Bankers — mastery of banking regulations & norms.
Decades of core banking experience resolving stressed assets across India's financial system.
Explore specialized statutory hub pages and court precedents across our full spectrum of legal and banking advisory services.
Strategic defense against Section 13(2) demand notices, possession actions, and auction proceedings under the SARFAESI Act 2002.
Comprehensive representation before Debt Recovery Tribunals (DRT) and Debt Recovery Appellate Tribunals (DRAT) across India.
Technical audit of NPA classification verifying compliance with RBI IRAC norms including 90-day default rules.
Safeguarding borrower constitutional rights through statutory defense mechanisms and due process advocacy.
Article 226 High Court Writs and DRAT appeals protecting statutory property rights and financial dignity.
Strategic guidance on One Time Settlement (OTS) and compromise policies for optimal debt resolution.
Precision analysis and verification of bank compliance with RBI circulars, guidelines, and prudential norms.
Legal advisory for auction buyers on SARFAESI auction proceedings, title verification, and due diligence.
Adv. Shakti Kumar Jain, B.Com, CAIIB, LL.B. (Gold Medalist)
Retired Senior Officer, State Bank of India (SBI) Stressed Assets Management (SAM) Branch | 35 Years Core Banking Experience
Chamber Address: 1406, Progressive Society, Sector 50-B, Chandigarh 160047.
(Prior appointment mandatory for chamber visits)