Chandigarh is unique in having three Debt Recovery Tribunals — DRT-I, DRT-II and DRT-III — all located at the same address at SCO 33-34-35, Sector 17A, Chandigarh but on different floors. Together they exercise jurisdiction over a vast geography spanning five states and union territories. As per the Ministry of Finance notification S.O. 4718(E) dated 04.10.2022, the territorial jurisdiction of each bench is distinct and must be correctly identified before filing.
DRT-I Chandigarh exercises jurisdiction over the districts of Amritsar, Barnala, Bhatinda, Faridkot, Fatehgarh Sahib, Fazilka, Ferozpur, Gurdaspur, Hoshiarpur and Jalandhar in the State of Punjab, the entire State of Himachal Pradesh, and the Union Territory of Jammu & Kashmir.
DRT-II Chandigarh exercises jurisdiction over the entire State of Haryana and the Union Territory of Chandigarh. Borrowers and lenders from Haryana — including Gurugram, Faridabad, Ambala, Hisar, Karnal and all other Haryana districts — file their matters before DRT-II Chandigarh.
DRT-III Chandigarh exercises jurisdiction over the districts of Kapurthala, Ludhiana, Mansa, Moga, Muktsar, Pathankot, Patiala, Rupnagar, Sangrur, SAS Nagar (Mohali), Nawanshahr and Tarantaran in the State of Punjab, and the Union Territory of Ladakh.
An important point from the October 2022 notification — all applications involving debt of Rs. 100 crore and above, which would otherwise fall under the jurisdiction of DRT-I, DRT-II or DRT-III Chandigarh, are transferred to DRT-III Delhi. Applications involving less than Rs. 100 crore continue to be filed before the appropriate Chandigarh bench.
For writ petitions challenging bank or DRT action, the correct forum is the Punjab & Haryana High Court at Chandigarh — which also physically sits in the same city as the DRTs, making Chandigarh one of the most convenient legal jurisdictions in northern India for banking and debt recovery litigation.
From the first filing to the last recovery step, here's where we get involved.
Where a bank has issued a possession notice under Section 13(4) for a Chandigarh property, a Section 17 Securitisation Application must be filed before the appropriate DRT Chandigarh bench within 45 days. We draft and argue these applications, seeking stay of further action pending adjudication.
Where a bank has obtained a Section 14 order from the District Magistrate, Chandigarh for physical possession, we appear before the appropriate DRT Chandigarh bench to challenge and seek immediate stay of dispossession of the secured asset.
Where a bank has published an auction notice for a Chandigarh property, we file urgent applications before the appropriate DRT Chandigarh bench seeking stay of the auction — based on undervaluation, procedural lapses, or inadequate notice.
Where a Chandigarh property has already been sold in a bank auction, we challenge the validity of the sale before the appropriate DRT Chandigarh bench on grounds including procedural non-compliance, inadequate reserve price, and failure to follow mandatory auction procedures.
For banks, NBFCs, and ARCs seeking recovery of outstanding dues through the appropriate DRT Chandigarh bench for Chandigarh matters, we file and argue Original Applications under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 — including interim attachment applications under Section 19(13).
Appeals against the appropriate DRT Chandigarh bench orders on Chandigarh matters before DRAT Delhi — including applications for reduction of the mandatory pre-deposit and urgent stay applications where enforcement action is imminent pending appeal.
WHO WE REPRESENT
Our Process
Loan papers, the notice you've received, or the OA filed against you — sent over WhatsApp, email, or the contact form.
We review the facts, the limitation position, and the merits, and tell you plainly where you stand.
The Original Application, SARFAESI challenge, or written statement is prepared and filed within the statutory timeline.
We appear at every hearing before the relevant DRT bench, arguing interim applications as needed along the way.
Through to Recovery Certificate execution, a negotiated settlement, or a DRAT appeal where the order calls for one.
Where Your Matter Is Heard
Chandigarh has a unique multi-bench structure. Identifying the correct bench before filing is critical.
Amritsar, Barnala, Bhatinda, Faridkot, Fatehgarh Sahib, Fazilka, Ferozpur, Gurdaspur, Hoshiarpur and Jalandhar districts of Punjab + State of Himachal Pradesh + UT of Jammu & Kashmir.
Entire State of Haryana + Union Territory of Chandigarh. All Haryana districts including Gurugram, Faridabad, Ambala, Hisar, Karnal, Rohtak and others file here.
Kapurthala, Ludhiana, Mansa, Moga, Muktsar, Pathankot, Patiala, Rupnagar, Sangrur, SAS Nagar (Mohali), Nawanshahr and Tarantaran districts of Punjab + UT of Ladakh.
Exercises appellate jurisdiction over all three Chandigarh DRT benches. Borrowers must pre-deposit 50% of the determined amount, reducible to 25% in appropriate cases.
The correct forum for writ petitions challenging SARFAESI or DRT action in Punjab, Haryana, Himachal Pradesh, J&K, Ladakh and UT Chandigarh — sitting in Chandigarh itself.
All three DRTs share the same address: SCO 33-34-35, Sector 17A, Chandigarh — 160017, on different floors. Filing before the wrong bench is a common and costly mistake. Always verify which bench has jurisdiction over your district before filing.
Years exclusively in banking & debt recovery litigation
Major banks & institutions as panel counsel
SARFAESI & DRT matters handled
Lenders & borrowers represented — full understanding of both sides