For borrowers across Bihar, 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 Patna within 45 days of the bank's action.
DRT Patna exercises jurisdiction over the entire State of Bihar — all 38 districts. It is the sole DRT bench for Bihar. Every borrower and lender in Bihar, regardless of which district their property or bank branch is located in — whether in Patna, Gaya, Muzaffarpur, Bhagalpur, Purnia, Darbhanga, Begusarai, Nalanda, Arrah or any other district — must file their Original Applications and Section 17 Securitisation Applications before DRT Patna. 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 Patna orders go to DRAT Allahabad at Prayagraj. 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. Banks and financial institutions filing appeals are not required to make any pre-deposit.
For writ petitions challenging SARFAESI or DRT action, the correct forum is the Patna High Court at Patna. The Patna High Court sits at Patna — the same city as DRT Patna — making Patna one of the more convenient jurisdictions for banking and debt recovery litigation, with the tribunal, the appellate authority, and the writ court all accessible from the same city.
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 Patna property, a Section 17 Securitisation Application must be filed before DRT Patna 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, Patna for physical possession, we appear before DRT Patna to challenge and seek immediate stay of dispossession of the secured asset.
Where a bank has published an auction notice for a Patna property, we file urgent applications before DRT Patna seeking stay of the auction — based on undervaluation, procedural lapses, or inadequate notice.
Where a Patna property has already been sold in a bank auction, we challenge the validity of the sale before DRT Patna 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 Patna for Patna 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 Patna orders on Patna 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
A Bihar banking dispute involves three forums — DRT Patna and Patna High Court both sit in the same city.
The sole DRT bench for all 38 districts of Bihar — hears Section 17 Securitisation Applications, Original Applications, and all DRT matters from every district of Bihar.
Exercises appellate jurisdiction over DRT Patna — borrowers must pre-deposit 50% of the determined amount, reducible to 25% in appropriate cases. Banks are not required to pre-deposit.
Writ petitions challenging SARFAESI or DRT action for Bihar matters go to the Patna High Court — which sits at Patna, in the same city as DRT Patna.
Patna is convenient for Bihar litigants: DRT Patna and the Patna High Court both sit in Patna. DRAT Allahabad at Prayagraj is the only forum requiring travel for Bihar banking matters.
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