DUAL PRACTICAL EXPOSURE Legal Authority in NPA Resolution

1. Professional Profile & Ground-Level Banking Authority

Adv. Shakti Kumar Jain is the Founder and Lead Consulting Counsel of NPA Doctor (NPADoctor.com). Widely recognized as a Top SARFAESI & NPA Lawyer in Chandigarh, he brings over 35 years of core banking experience gained inside the State Bank of India (SBI) Stressed Assets Management (SAM) Branch—the focused vertical dedicated to managing, auditing, defending, and resolving high-value Non-Performing Assets (NPAs).

2. Academic Credentials & Honors

• Bachelor of Commerce (B.Com): Strong grounding in corporate financial accounting, balance sheet analysis, and commercial jurisprudence.
• Certified Associate of Indian Institute of Bankers (CAIIB): Elite banking accreditation in credit appraisal, treasury management, and debt restructuring laws.
• LL.B. (Gold Medalist): Awarded Gold Medal for academic distinction in law, specializing in Banking Law, Constitutional Law (Article 14 non-arbitrariness), and Civil Recovery Defense.

3. focused Legal Defense & SAM Branch Expertise

Having served for decades on the frontlines of bank recovery operations, Adv. Shakti Kumar Jain possesses deep technical mastery over bank compromise committee mechanics, Net Realizable Value (NRV) valuation audits, sacrifice formulas, and procedural defense under the SARFAESI Act 2002, RDB Act 1993 (DRT / DRAT), and Insolvency & Bankruptcy Code (IBC 2016).

His academic legal research focuses on safeguarding borrowers and guarantors against high-handed bank enforcement, mechanical rejection of Section 13(3A) statutory objections, and incomplete or misleading Section 14 affidavits filed before District Magistrates.