For borrowers across Madhya Pradesh and Chhattisgarh, the Debt Recovery Tribunal becomes relevant the moment their bank issues a notice under the SARFAESI Act. Whether it is a demand notice under Section 13(2), a possession notice under Section 13(4), a Section 14 order from the District Magistrate for physical possession, or a notice of auction — the DRT is the primary forum where these actions can be challenged. A borrower's Section 17 Securitisation Application must be filed before DRT Jabalpur within 45 days of the bank's action.
DRT Allahabad exercises jurisdiction over a significant number of districts spread across eastern, central and southern Uttar Pradesh — covering a large and diverse geography that includes major commercial centres as well as agricultural districts. In addition to SARFAESI challenges, DRT Allahabad also hears Original Applications filed by banks and financial institutions under Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 — where the outstanding dues are Rs. 20 lakh or more.
DRT Jabalpur exercises jurisdiction over the entire States of Madhya Pradesh and Chhattisgarh — making it the sole DRT bench for two of India's largest states by area. Every borrower and lender in Madhya Pradesh and Chhattisgarh, regardless of which district their property or bank branch is located in, must file before DRT Jabalpur. Under the RDB Act, a case can only be filed where the amount in dispute is Rs. 20 lakh or more. Under the SARFAESI Act, the threshold is much lower — a borrower can file a Section 17 Securitisation Application where the secured debt is Rs. 1 lakh or more.
Appeals against DRT Jabalpur orders go to DRAT Allahabad. A borrower filing an appeal must pre-deposit 50% of the determined amount, though this can be reduced to as low as 25% in appropriate cases.
For writ petitions challenging SARFAESI or DRT action — the correct forum depends on the state. For properties and matters in Madhya Pradesh, the relevant forum is the Madhya Pradesh High Court at Jabalpur (principal seat), with circuit benches at Indore and Gwalior. The appropriate bench depends on where the property is located. For properties and matters in Chhattisgarh, the relevant forum is the High Court of Chhattisgarh at Bilaspur. Getting the correct High Court and bench right at the outset is critical to avoid jurisdictional objections and delay.
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 Jabalpur property, a Section 17 Securitisation Application must be filed before DRT Jabalpur 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, Jabalpur for physical possession, we appear before DRT Jabalpur to challenge and seek immediate stay of dispossession of the secured asset.
Where a bank has published an auction notice for a Jabalpur property, we file urgent applications before DRT Jabalpur seeking stay of the auction — based on undervaluation, procedural lapses, or inadequate notice.
Where a Jabalpur property has already been sold in a bank auction, we challenge the validity of the sale before DRT Jabalpur 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 DRT Jabalpur for Jabalpur 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 DRT Jabalpur orders on Jabalpur matters before DRAT Allahabad — 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
DRT Jabalpur serves two states — writ jurisdiction differs depending on which state the property is in.
The sole DRT bench for the entire States of Madhya Pradesh and Chhattisgarh — hears Section 17 Securitisation Applications, Original Applications, and all DRT matters from both states.
Hears appeals against DRT Jabalpur orders — borrowers must pre-deposit 50% of the determined amount, reducible to 25% in appropriate cases. Banks are not required to pre-deposit.
Writ petitions for MP matters — principal seat at Jabalpur, with circuit benches at Indore and Gwalior. The appropriate bench depends on where the property is located.
Writ petitions for Chhattisgarh matters — seat at Bilaspur. Borrowers and lenders in Chhattisgarh file their DRT matters at Jabalpur but writ petitions at the Chhattisgarh High Court.
DRT Jabalpur address: 2nd & 3rd Floor, BSNL Building, Near Head Post Office, Civil Lines, Jabalpur (MP) 482001. All MP and Chhattisgarh matters are filed here.
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