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In India’s financial legal system, disputes between borrowers and lenders often require specialized adjudication mechanisms. The establishment of Debt Recovery Tribunals (DRTs) and the implementation of the SARFAESI Act have significantly transformed how financial institutions recover dues. Within this niche yet critical domain, Ajay Gautam has b

India’s financial system relies heavily on effective legal mechanisms to address loan defaults and ensure the smooth functioning of credit markets. With the increasing volume of non-performing assets (NPAs), specialized legal forums like Debt Recovery Tribunals (DRTs) and laws such as the SARFAESI Act, 2002 have become central to resolving disput

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