Who are we...


एन.पी.ए. डॉक्टर क्या है?
What is NPA Doctor?

हम एक प्रतिष्ठित अनुभव बैंकिंग कानून रणनीतिकार वकील श्री शक्ति कुमार जैन के मार्गदर्शन में काम कर रहे कानूनी विशेषज्ञों की एक टीम हैं, जो बैंकिंग कानून विवादों, एनपीए खातों, सरफेसी अधिनियम, कंपनी अधिनियम और ऋण वसूली न्यायाधिकरण (डीआरटी) में मुकदमेबाजी को हल करने में विशेषज्ञता रखते हैं। एनसीएलटी। हम DRAT, NCLAT और उच्च न्यायालय में भी अपील को कुशलता से संभालते हैं ...

We are a team of legal experts working under guidance of an eminent experience Banking Law strategist Lawyer-  Mr. Shakti Kumar Jain  Having specialized in resolving Banking Law disputes, NPA Accounts, Sarfaesi Act, Companies Act and litigation in Debt Recovery Tribunal (DRT) & NCLT. We expertly handle appeals in DRAT, NCLAT and the High Court, as well...

We believe in a Bullet-proof legal defence system to deliver battle-tested support and advice services helping the genuine business owners having NPA Accounts to rebut the high-handed coercive actions initiated by lender Banks in the garb of Section 13(2) and Section 13(4) of the SARFAESI Act or the Police Complaints filed under Section 420 without any sufficient cause by the lender institutions or Banks.
Find out more about the services we offer HERE.
The Founder of NPADOCTOR, Shakti Kumar Jain, founded this unique service to properly guide those Corporates & Industrialists, who are showing their bona-fide and honestly carrying out business activities but some reasons as are out of their control have disturbed their finances and loan defaults have started to occur, Consequently, the Bank classified their loans as NPA Account.
Coming from 35 yearlong rich Banking background, having worked with largest Bank of the Country, the will to rehabilitate sick industries is in his blood. He joined the SBI in 1980 as a clerk-cum-cashier, and quit the job while he was serving at a middle management position in SAM Branch, where the hard recovery and legal procedures by way of possession and sale under SARFAESI Act, filing of OA in DRT for recovery of loans and filing of police complaints with EoW etc., were undertaken.
In SBI SAM Branch, he handled the High Value NPA Loans and innovated the novel strategies of soft approach in hard-recovery actions and got tremendous success. He along with all the members of his team were rewarded with large Cash prizes on account of AUCA Recovery (recovery in 100% written off old NPA Accounts).
Presently, he practising as a lawyer having greater passion in the fields of resolving business and banking disputes, property disputes and advising the NPA Accounts to be upgraded as standard by initially saving them from coercive actions of the Banks. He is a practising lawyer in DRT Chandigarh, NCLT Chandigarh, State Consumer Grievances Commission Chandigarh and Punjab and Haryana High Court Chandigarh.

Our core-team is awesome,
Having LEGAL, Banking  & BUSINESS CONSULTANTS

Top DRT Advocate in Chandigarh, Top DRT Lawyer, Best DRT Lawwyer,  Best DRT Advocate, Advocate for NPA Account, Advocate for SARFAESI Act

Shakti Kumar Jain

B.Com., Certified Associate Indian Institute of Bankers,
LL.B. (Gold Medallist) 
Ex-SBI SAMB Officer
Advocate / Legal Consultant

business consultant, marketing consultant, digital marketing

Devashish Jain

B.Com.(Hons.), M.A.,
Digital Marketing,
MBA (University of Edinburgh Business School, UK)
Management Consultant

We focus 'NPA Loan Settlement' 

Our founder is an Loan Settlement expert ex-SBI Officer

We have a team of professionals, lawyers expert in various fields of law working in hand to hand with expert ex-bankers, Chartered Accountants and brilliant business, strategic & digital marketing experts working in coordination with each other to provide all round benefit to the ever growing needs of industrialist and corporate clients.  This specialized combination helps not only to settle the NPA Loan but also to regenerate the income sources to enable our clients to re-stand in life.

  1. 'NPA Doctor' is a team of legal experts working under guidance of an eminent Banking Law strategist. Having specialized in resolving Banking Law disputes, NPA Accounts, Sarfaesi Act, Companies Act and litigation in Debt Recovery Tribunal (DRT) & NCLT. We expertly handle appeals in DRAT, NCLAT and the High Court, as well.
  2. About the Founder - Mr. Shakti Kumar Jain, in 2015 after serving 35 years in State Bank of India, initiated providing legal assistance to the high-value corporate through ‘NPA Doctor’. During the last decade of his service with SBI, he has expertized at SAM Branches* and also won prestigious performance awards from State Bank of India.. Click to know more about the SAM Branch in SBI!
  3. Our aims & Unique working styles - Our aim is to resolve the NPA problem. For this we protect the interesgt of clients, while helping them to resolve NPA problem.  
  4. 'NPA Doctor' for helping the NPA Borrowers - We advise the borrowers to find out the best possible resolution in their NPA  accounts.  This may lead to updation of their account from NPA to Standard or to lead them for a compromised One time settlement (OTS) of Loan.   Try it now!
  5. 'NPA Doctor' for helping the Banks & NBFCs - This is a new and revolutionary concept to help the Banks, Financial Institutions and NBFCs in quickly resolving the High-value NPA Accounts by conducting Sergical Strike and breaking down the obstacles created by clever defaulters.
  6. Bank or borrower, both are our clients ? -  Interesting. Our aim is to resolve the NPA Accounts.  For this,either the borrower may engage us or the Bank may engage us.  We have the expertise to safeguard the interest of any of the parties to loan or e-auction.   If Bank is the client, we work to get maximum recovery by means of various legal modes available, ie., by filing recovery suits (OA) in DRT, by defending the Bank in SA filed in DRT or vacating the stay obtained by the  borrower, guarantor or any third party.   If Borrower is our client we exhert to delay the possession of mortgages under Sarfaesi Act and to utilze the time gained to negotiate with the Bank for reaching amicable OTS (One Time Settlement) of  NPA Loan.  
  7. Services for Auction-purchasers - We guide the investors how to safe-play while participating in e-Auction of mortgaged properties.  We see the title of auction properties vis-a-vis completion of formality under the Sarfaesi Act, so as to obviate the likelihood of future disputes by the mortgagor.  We also draft bid-applications on their behalf, arrange digital signatures for them, train them how to bid and get the properties valued or money arranged for participation in the bid.  We guide them how to buy the mortgaged properties at cheap.  We also help the Auction-purchasers if they are caught in litigation and their funds are strucked.