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‘एन.पी.ए. डॉक्टर’ डिफॉल्टेड यानि खराब लोन जो की एन.पी.ए. हो चुके हैं, उन को बैंक के एक्शन से बचाता  है, व्यापार को चलते रहने में कानूनी मदद करता है और बैंक ऋण निपटाने के लिए, बैंकों की ज़ोर-ज़बरदस्ती एवं सरफेसी कब्ज़ों व् सरफेसी बिक्री से रक्षा करता है ।
अपनी अनमोल मान-मर्यादा को दांव पर न लगाएं, अपने एन.पी.ए. खाते को हल करने के लिए पूर्व बैंकर से सलाह मशविरा करके लाभान्वित हों।



फ़ोन करने के लिए सुबह 10.30 बजे से सायं 7.30 बजे के बीच
83606-96178 पर संपर्क साधें
या फिर इसी नंबर पर व्हाट्सएप्प (whatsapp) मैसेज करें 


Are you Worried of the SARFAESI Action, criminal complaint or DRT loan-recovery-suit (OA) filed by the Bank or in an NPA Account?

क्या आप बैंक द्वारा एन.पी.ए. खाते में दायर डी.आर.टी. मुक़द्द्मे, क्रिमिनल कंप्लेंट या सरफेसी कार्रवाई से चिंतित हैं?

Top NPA - Sarfaesi Act Consultants & DRT Advocates
to help the victims of High-handedness at the hands of Bank Officials in the garb of NPA & SARFAESI Possession

We defend you at every step of the coercive processes of the Bank, so that you can focus your stress-free attention to ensure continuity of your business continuity & sources of income.

NPA can be resolved, SARFAESI Possession can be stayed, DRT Matter can be defended, bad loan can be settled, with intime right action on right advice.  This is the delay or false economies of searching cheap consultants while compromising with knowledge & experience, that makes the matters complicated.

Approach us for help, our experts will do the rest for you.

एनपीए और सरफेसी कब्जे की आड़ में बैंक अधिकारियों के हाथों मनमानी के शिकार लोगों की मदद करने के लिए शीर्ष स्तर के एनपीए - सरफेसी एक्ट कंसल्टेंट्स और डीआरटी एडवोकेट्स से संपर्क करें।
हम बैंक की कठोर प्रक्रियाओं के हर कदम पर आपका बचाव करते हैं, ताकि आप अपने व्यवसाय की निरंतरता और आय के स्रोतों की निरंतरता सुनिश्चित करने के लिए अपना तनाव मुक्त ध्यान केंद्रित कर सकें।
सहायता के लिए हमसे संपर्क करें, हमारे विशेषज्ञ आपको कानूनी सहायता प्रदान करेंगे।

Remember,  a stitch in time will save you nine.

Contact NPA Experts today
Sarfaesi Auction Disputes



Auction by Bank under SARFAESI Act is considered a weak sale
सरफेसी अधिनियम के तहत बैंक द्वारा नीलामी को कमजोर बिक्री माना जाता है

क्या इन्सॉल्वेंसी एक उपाय हो सकता है?

आनन फानन में लिया सरफेसी कब्ज़े या लेनदारों से बचने का फैसला गलत साबित हो सकता है।  
NPA SARFAESI Insolvency DRT NCLT

आपका मामला और आपकी भलाई हमारे लिए मायने रखती है
Your Case & Your Well-Being Matter To Us

हम जानते हैं कि ऋण के एन.पी.ए. की घोषणा के बाद कंपनी के प्रमोटरों के लिए कठिन समय है। जबकि तंग तरलता से उत्पन्न होने वाली व्यावसायिक समस्याएं हैं, ऋण चुकौती के प्रबंधन का तनाव भी भारी हो सकता है।
हमारे बैंकिंग कानून और ऋण वसूली विशेषज्ञ, एसबीआई के एक पूर्व-बैंकर, आपके मामले को व्यक्तिगत स्तर पर संभालेंगे ताकि हम यह निर्धारित करने में आपकी सहायता कर सकें कि आपकी ज़रूरतें क्या हैं और आपके मामले के विकसित होने पर आप क्या उम्मीद कर सकते हैं।इसके अलावा, हम व्यापार में मंदी के बाद दुखी व्यवसायों को समझौता किए गए ओटीएस (ऋण का एकमुश्त निपटान) में उचित और उचित छूट प्राप्त करने में मदद करते हैं, जब वे पहले ही व्यापार में नुकसान का सामना कर चुके होते हैं।

We know that the aftermath of declaration of NPA of Loan is the difficult time for promoters of a Company.  While business problems arising out of tight liquidity are there, the stress to manage loan repayments can be overwhelming as well.
Our Banking Laws and Loan Recovery specialist, an ex-Banker from SBI,  will handle your case on a personal level so that we can help you determine what your needs are and what you can expect as your case develops.
In addition, we help grieving businesses in the aftermath of a business slow down to seek fair and just waivers in the compromised OTS (one time settlement of loan) when they have already suffered the loss in business.

Learn more Contact a Lawyer
Sarfaesi Act Stay

हम कानून और निर्णय के साथ अद्यतित रहते हैं
We Stay up to date with law & Judgements

'एनपीए डॉक्टर' गैर-तकनीकी उधारकर्ताओं के लिए एकदम सही है जो सरफेसी अधिनियम की पेचीदगियों से परिचित नहीं हैं और नीलामी बोलीदाताओं के लिए जिनके वित्तीय हित दांव पर हैं, उनकी ओर से कोई भी चूक नहीं है।
'NPA Doctor' is perfect for non-techie borrowers who are not familiar with the intricacies of SARFAESI Act and for auction bidders whose financial interest is at stake due to none of the default on their part.

  • Get unfair benefit by engaging NPA Doctor.  Our NPA Consultation team consists of ex-Bankers (the banking insiders) and SARFAESI  Act expert DRT lawyers.  The powerful strategies strengthen the week borrowers or interested third parties  by questioning  the illegal  working of Banks.   Thus coercive actions of the Banks are  rebutted  with our out of the box strategical approach. 
  • The benefits become available to those who have opted for 'Done for you - Annual Consultation Package' of NPA Doctor.
Learn More
DRT Advocate Chandigarh

Learn how to choose a right 'Banking & NPA Account Advisor'
to do the groundwork to assist the Lawyer by unearthing evidence of the Bank's illegalities, as it is likely to go a long way in justifying your cause.

Learn, How to choose an NPA & Banking Advisor and a DRT Advocate for handling NPA Loan, SARFAESI Act, and related Matters? 

Only the right advisor will tell how, when & where to give a stroke to break the opposite strategies. Compromising upon fees on a good advisor may cost you cheap, but it is a dear and false economy, that may cost heavy.

Don't stake your image and repent later on.

Qualities of an NPA SARFAESI Advocate

What is the meaning of NPA Account?
NPA खाते का क्या अर्थ है?

एन.पी.ए. डॉक्टर क्या है?
What is NPA Doctor?
एन.पी.ए. डॉक्टर, एक ऐसी। अद्वितीय सेवा है, जो कि भारतीय अर्थव्यवस्था को एनपीए से बचाने के लिए कर्तव्यबद्ध है। रिकवरी करने उनके लिए कानूनी प्रावधनों, प्रोसीजर्स, रिकवरी एजेंट से फंक्शन्स, सरफेसी एक्ट की बारीकियों और एन.पी.ए. अकाउन्ट की पेचीदगियों के ऊपर। फोकस करती है। वेबसाइट का उद्देश्य मात्र कानूनी प्रावधनों के अनुसार ही एन.पी.ए. को कम करना है और फाइनेंशियल इंस्टीट्यूशंस द्वारा गलत तरीके अपनाकर या फिर करप्शन के उद्देश्य से, या फिर रिकवरी एजेंटों का दुरुपयोग करके किसी भी देनदार, ग्रंटर, मोरगेज (रेहन करता) जा अन्य किसी भी थर्ड पार्टी को जिसका मॉडगेज प्रॉपर्टी में कोई भी डायरेक्ट या इनडायरेक्ट कानूनी इंटरेस्ट हो, का कानूनी तौर पर विरोध करके रुकवाना है।
एन.पी.ए. डॉक्टर भारतीय अर्थव्यवस्था को एनपीए से बचाने के उद्देश्य से, एस.बी.आई. सैम शाखा के एक अनुभवी पूर्व प्रबंधक द्वारा शुरू की गई एक अनूठी सेवा है इस सेवा के माध्यम से इस सेवा के माध्यम से, अपने लंबे बैंकिंग अनुभव का लाभ प्रदान करने के लिए, अलग सोच (out of the box approach) से अपने क्लाइंट बैंक या उधार लेने वाले बिज़नेस क्लाइंट के हितों के संरक्षण के लिए सख्त मेहनत से कानूनी पेचीदगियों में काम करते हैं।
सेवा का मूल उद्देश्य, अपने क्लाइंट्स के हितों के संरक्षण के लिए कानून की प्रक्रिया अपनाकर, बैंक या एन.पी.ए. उधारकर्ता जो भी अपोज़िट पार्टी हो, के ऊपर कानूनी / आर.बी.आई. द्वारा परिभाषित, कर्तव्यों को लागू करना है। एन.पी.ए. डॉक्टर आरबीआई प्रूडेंशियल नॉर्म्स, सरफेसी एक्ट आदि की पेचीदगियों को जानने और एनपीए खातों के समाधान के लिए तदनुसार काम करने के लिए ग्राहकों की सहायता करने के लिए बाध्य है।
सेवा का उद्देश्य मात्र कानूनी प्रावधनों के अनुसार ही एन.पी.ए. को कम करना है और फाइनेंशियल इंस्टीट्यूशंस द्वारा गलत तरीके अपनाकर या फिर करप्शन के उद्देश्य से, या फिर रिकवरी एजेंटों का दुरुपयोग करके किसी भी देनदार, ग्रंटर, मोरगेज (रेहन करता) जा अन्य किसी भी थर्ड पार्टी को जिसका मॉडगेज प्रॉपर्टी में कोई भी डायरेक्ट या इनडायरेक्ट कानूनी इंटरेस्ट हो, का कानूनी तौर पर विरोध करके रुकवाना है।
अधिक जानकारी के लिए 83606-96178 पर फ़ोन करें,
कृपया फ़ोन सुबह 11 बजे से सायं 7 बजे के बीच ही करें
अन्यथा
उपरोक्त नंबर पर व्हाट्सप्प मैसेज में अपना नाम, बिज़नेस का नाम, शहर का नाम
एवं 5-6 शब्दों में काम लिख कर भेजें।  
पेज के ऊपर जाने के लिए किलिक करें

How 'NPA Doctor' is the Best
for NPA Resolution & defence in SARFAESI Act

Getting a loan sanctioned from bank or NBFC is very common. Anybody, a CA, your friend in a Bank or an online telemarketers can assist in getting a loan approved.

What, if the loan installments are not paid and Bank declares it as NPA or starts coercive action under the SARFAESI Act.   Banks have specialised Loan Recovery cells in the name of SAM (Stressed Assets Management) in SBI or ARB (Asset Recovery Branch) in PNB and under different names in different Banks.  The officials are trained in loan recovery law and assisted by a team of dedicated lawyers, valuers, detective agents and enforcement agencies, etc.

On the other hand, the provisions of SARFAESI Act are rarely known and provide unfettered powers to the Banks.

In this game of legal knowledge and logical interpretation of facts, you can win only by following  super-specialised authority in banking practices & loan recovery laws.  Your advisor must  have practical experience in Banking & Recovery of Loans and the lawyer be specialised in these fields of knowledge and The SARFAESI Act, as well.

NPADoctor is set up in 2015 as an advisory service for resolution and settlement of NPA Loan Accounts by Mr. Shakti Kumar Jain, B.com., CA-IIB, LL.B (Gold-medalist),  after leaving the job from SBI SAM Branch as an Officer.  Presently, a practising lawyer for NPA Accounts and SARFAESI Act matters in DRT (Debt Recovery Tribunal) Chandigarh,  he knows ins and outs of the game, the psychology and outlook of Bank Officers and the pains of the borrowers as well.  He has experienced every new safeguard used in defence by the shrewd lawyers & borrowers.  
That's why the 'NPA Doctor' can be trusted to be the  best NPA Advisor.

Know more about us



What are the borrower's rights in an NPA Account?

What is the procedure of the SARFAESI Act?

What are the rights of secured creditor under the SARFAESI Act?

Don't miss consulting the best NPA SARFAESI DRT consultant for a right stroke at a right time  

Click below to know your rights in an NPA Account or the SARFAESI Act

Borrower & Guarantor Auction Purchaser Bank & NBFC  Third Party Rights

 




Do you precisely understand the meaning and effects of NPA?


What do you mean by an NPA?

What is an NPA and example?

What is an NPA and its types? 

How is an NPA calculated?

Why Banks declare NPA?

How a stressed account can be saved from becoming an NPA?

How Banks recover dues from NPA Accounts?

What is NPA provisioning?

What safe-guards the RBI has provided from classification

of NPA after demonetisation, G.S.T. and during COVID 19?

The answer to the like questions helps us to understand the exact nature of NPA Accounts & the recovery process followed by Banks in NPA Loans.

'NPA Doctor' is founded by  an ex-Bank Officer, presently a practising lawyer in DRT / High-Court Chandigarh.   Having worked at ground-root level with hard-recovery branch of a premier Bank in India, the founder of 'NPA Doctor' knows the minute  practical details in the recovery process ought to be followed by Banks.

CLICK TO KNOW .. 

Our Services

NPA Resolution Consultant

NPA Helpline - USP 

Founded by NPA Resolution expert ex-Banker & Advocates expert in SARFAESI Act,  DRT NCLT proceedings.

Ex-Banker NPA Resolution Sarfaesi Expert

Reply to 13(2) SARFAESI Notice

Ex-Bank Officer with practical exposure to NPA Resolution & SARFAESI Act knowing ins & outs of the game

npa consultant

NPA Helpline - Pricing

NPA Consultation is the 'action oriented' one to one & time consuming service, meant for  those who afford to pay for it.

Who are we...

We are a team of legal experts working under guidance of an eminent experienced lawyer expert in Banking Law & practice -  Mr. Shakti Kumar Jain  Having specialized in resolving Banking Law disputes, NPA Accounts, the SARFAESI Act, the Companies Act.  Our learned associate advocates are appearing  in The Debt Recovery Tribunal (DRT), The High Court & The NCLT.

LEARN MORE

How may we help you?
A brief message, mentioning your mobile number.

How may we help you?


Call at (91)83606-96178 
(11am - 7pm only)
or leave brief Whatsapp message.
 Please don't send attachments until called for.

DeltaPi

What to do, if Bank wrongly declares NPA? 
or
if a Bank files an Application before The District Magistrate (DM) or The Chief Metropolitan Magistrate (CMM) for Permission & Police Assistance u/s.14 of the SARFAESI Act?
or
if a Bank unlawfully takes possession of property under SARFAESI Act
or
if a Bank doesn't follow the SARFAESI Rules for auctioning a property?

Read Article Liability of the Bank Contact NPADoctor
Advocate for NPA Accounts

Orientation for meeting

We welcome clients, but can meet with prior appointment only.

It is essential policy to have details prior to setting up a conference.

Please brief the stage & issues in  your NPA account, along your name and position in the Company by submitting the form below.

We must  fix the objectives of discussion.

Can the issue be fixed via e-mail or quick conversation rather?

We render high-class professional service resolve the NPA Accounts of clients.

Odd an

F.A.Q.
(Frequently asked questions)

F.A.Q.'s - Classification of NPA 

F.A.Q.'s - Declaration of Wilful  Defaulter

F.A.Q.'s - Registration of Criminal Complaint against Borrower 

F.A.Q.'s - SARFAESI Act - Possession & Auction by the Bank

F.A.Q.'s - SARFAESI Act - Role of Magistrat (DM / CMM) sec.14

F.A.Q.'s - SARFAESI Act - Procedure for stay through Court / DRT

F.A.Q.'s - Consultation at NPA Doctor

LIVE DEMO

How is it that 'NPA Doctor'
is the Best consultant
for resolution of  NPA Accounts & defending in SARFAESI Act

Getting a loan sanctioned from bank or NBFC is very common. Anybody, a CA, your friend in a Bank or an online telemarketers can assist in getting a loan approved.

What, if the loan installments are not paid and Bank declares it as NPA or starts coercive action under the SARFAESI Act.   Banks have specialised Loan Recovery cells in the name of SAM (Stressed Assets Management) in SBI or ARB (Asset Recovery Branch) in PNB and under different names in different Banks.  The officials are trained in loan recovery law and assisted by a team of dedicated lawyers, valuers, detective agents and enforcement agencies, etc.

On the other hand, the provisions of SARFAESI Act are rarely known and provide unfettered powers to the Banks.

In this game of legal knowledge and logical interpretation of facts, you can win only by following  super-specialised authority in banking practices & loan recovery laws.  Your advisor must  have practical experience in Banking & Recovery of Loans and the lawyer be specialised in these fields of knowledge and The SARFAESI Act, as well.

NPADoctor is set up in 2015 as an advisory service for resolution and settlement of NPA Loan Accounts by Mr. Shakti Kumar Jain, B.com., CA-IIB, LL.B (Gold-medalist),  after leaving the job from SBI SAM Branch as an Officer.  Presently, a practising lawyer for NPA Accounts and SARFAESI Act matters in DRT (Debt Recovery Tribunal) Chandigarh,  he knows ins and outs of the game, the psychology and outlook of Bank Officers and the pains of the borrowers as well.  He has experienced every new safeguard used in defence by the shrewd lawyers & borrowers.  
That's why the 'NPA Doctor' can be trusted to be the  best NPA Advisor.

Know more about us

Final Word

Don't waste your time in thinking...
Its time for action!

Just message NPA Doctor to defend your interest.
[email protected]

We Stay up to date with law & Judgements

'NPA Doctor' is perfect for non-techie borrowers who are not familiar with the intricacies of SARFAESI Act and for auction bidders whose financial interest is at stake due to none of the default on their part.

  • Get unfair benefit by engaging NPA Doctor.  Our NPA Consultation team consists of ex-Bankers (the banking insiders) and SARFAESI  Act expert DRT lawyers.  The powerful strategies strengthen the week borrowers or interested third parties  by questioning  the illegal  working of Banks.   Thus coercive actions of the Banks are  rebutted  with our out of the box strategical approach. 
  • The benefits become available to those who have opted for 'Done for you - Annual Consultation Package' of NPA Doctor.
Learn More
DRT Advocate Chandigarh