Adv. Aniket Bose
Associate Advocate
Delhi
B.A. LL.B., LL.M.
- Civil & Commercial Litigation
- Criminal Litigation
- Cheque Dishonour (Section 138, NI Act)
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Banking & Recovery
DRT Lawyer — Banking, Recovery & Negotiable Instruments Matters
Representation before the Debts Recovery Tribunal (DRT), Lucknow — whose jurisdiction covers Lucknow, Ghaziabad, Noida, Greater Noida, and Agra — for banks, financial institutions, borrowers, and guarantors in SARFAESI, loan recovery, and cheque bounce disputes.
Our Banking & Recovery Team
Adv. Jitendra Tiwari leads our banking and recovery practice, supported by Adv. Aniket Bose in cheque-dishonour and commercial disputes, alongside Adv. Prerna Yaduvanshi, Adv. Aditya Narayan Shukla and Adv. Priyesh Dwivedi in related civil litigation. Each profile below sets out that member's individual practice areas.
Adv. Prerna Yaduvanshi
Associate Advocate
Delhi
B.A. LL.B., LL.M.
- Criminal & Matrimonial Matters
- Civil & Commercial Litigation
- Consumer Matters
Adv. Aditya Narayan Shukla
Senior Associate Advocate
Delhi, Lucknow & Prayagraj
B.A., LL.B. (University of Lucknow)
- Criminal Matters
- Civil Matters
- Tax Matters
Loan defaults and recovery proceedings move on strict timelines — a demand notice under the SARFAESI Act, an Original Application before the Debts Recovery Tribunal (DRT), or a cheque bounce notice each carry their own limitation periods and procedural requirements. Sumanjari & Co. Advocates advises and represents banks, financial institutions, borrowers, and guarantors through each stage of the process.
We handle recovery and enforcement matters before the DRT, Lucknow — whose territorial jurisdiction extends across Lucknow, Ghaziabad, Gautam Budh Nagar (Noida and Greater Noida), Agra, and much of western and central Uttar Pradesh — appeals before the DRAT, Allahabad, cheque bounce proceedings under the Negotiable Instruments Act, and, where necessary, writ challenges before the Allahabad High Court, Lucknow Bench.
Forums We Appear Before
Debts Recovery Tribunal (DRT), Lucknow
Original Applications for loan recovery and SARFAESI Section 17 applications before the Tribunal.
Debts Recovery Appellate Tribunal (DRAT), Allahabad
Appeals against orders of the DRT, Lucknow, under Section 20 of the RDDBFI Act and Section 18 of the SARFAESI Act.
District & Sessions Courts
Complaints and defence in cheque bounce matters under Section 138 of the Negotiable Instruments Act.
Allahabad High Court, Lucknow Bench
Writ challenges to SARFAESI action and orders of the DRT and DRAT, arguing from our chambers at Block D-311.
Types of Banking & Recovery Matters We Handle
Debts Recovery Tribunal (DRT) Proceedings
- Filing and defending Original Applications under Section 19 of the RDDBFI Act, where the debt due is ₹20 lakh or more
- Recovery Certificate execution proceedings before the Recovery Officer
- Appeals to the Debts Recovery Appellate Tribunal (DRAT), Allahabad, under Section 20
SARFAESI Act Matters
- Advising on Section 13(2) demand notices and Section 13(4) enforcement measures against secured assets
- Section 17 applications before the DRT challenging possession or sale of secured assets
- Section 18 appeals before the DRAT, including applications for reduction of the mandatory pre-deposit
Bank Loan Recovery & Settlement
- Representing banks, financial institutions, and borrowers in loan recovery and restructuring
- One-time settlement (OTS) negotiations and compromise proposals
Negotiable Instruments & Cheque Recovery
- Cheque bounce complaints and defence under Section 138 of the Negotiable Instruments Act
- Recovery suits and settlement negotiations linked to dishonoured cheques and promissory notes
Guarantor & Third-Party Liability
- Representing guarantors and co-obligors in recovery and SARFAESI proceedings
- Disputes over invocation of guarantees and enforcement against guarantor assets
Secured Asset & Possession Disputes
- Challenging possession notices and auction sale proceedings under SARFAESI
- Disputes over valuation, symbolic possession, and sale of mortgaged or hypothecated property
Key Issues We Advise On
- Recovery of dues by banks and financial institutions
- Enforcement action under SARFAESI, including possession and sale of secured assets
- Cheque bounce and negotiable instrument disputes
- Guarantor liability and invocation of guarantees
- Loan settlement, restructuring, and one-time settlement negotiations
- Appeals against DRT and DRAT orders
Our Approach
We begin with a confidential review of the loan documents, notices, or order in question, followed by clear advice on your position and the timelines that apply — SARFAESI and DRT matters move on tight limitation periods, so early action matters. We represent you before the DRT, Lucknow, and are fully prepared to carry the matter in appeal before the DRAT, Allahabad, or in writ jurisdiction before the Allahabad High Court, Lucknow Bench.
The Way We Work
A clear, structured process from first consultation to resolution.
Step 1
Private Consultation
We begin with a confidential discussion of your matter, understanding the facts and your expectations while safeguarding your privacy.
Step 2
In-Depth Case Review
Every document and detail is carefully examined so we can assess the strengths, risks, and best possible legal routes for you.
Step 3
Strategy & Drafting
A clear, customised strategy is prepared and precise pleadings are drafted to present your case strongly before the court or authority.
Step 4
Focused Representation
We represent you with preparation and clarity, ensuring timely filings, effective arguments, and regular updates on each hearing.
Step 5
Resolution & Ongoing Support
Even after the matter is resolved, we guide you on next steps, compliance, and any further legal support you may require.
From Our Desk
Banking & Recovery Insights
Common questions clients bring to us — drawn from our banking and recovery practice in Lucknow.
What Is the Minimum Claim Before a DRT?
A bank or financial institution can approach the DRT only where the debt due is ₹20 lakh or more — claims below this threshold must be pursued before the ordinary civil court.
Ask Us About This →Which Areas Fall Under DRT Lucknow’s Jurisdiction?
The DRT, Lucknow has territorial jurisdiction over a large part of western and central Uttar Pradesh, including Lucknow, Ghaziabad, Gautam Budh Nagar (Noida and Greater Noida), Agra, Meerut, Bareilly, Aligarh, and several neighbouring districts.
Ask Us About This →Challenging a SARFAESI Notice
A borrower aggrieved by measures taken under Section 13(4) of the SARFAESI Act — such as possession of a secured asset — can file an application under Section 17 before the DRT.
Ask Us About This →The Pre-Deposit Rule in SARFAESI Appeals
An appeal to the DRAT under Section 18 requires a borrower to pre-deposit 50% of the debt due, which the Tribunal may reduce to not less than 25% for reasons recorded in writing.
Ask Us About This →Recovering Dues on a Dishonoured Cheque
Beyond criminal liability under Section 138 NI Act, a dishonoured cheque can also support a civil recovery suit — the two remedies can often be pursued alongside each other.
Ask Us About This →From Our Desk
Banking & Recovery Blogs
Short reads on DRT proceedings, recovery claims, and negotiable instruments matters.
NPA Classification & The 90-Day Overdue Rule: Challenging Arbitrary Asset Classification under RBI Prudential Norms
CHALLENGING ARBITRARY ASSET CLASSIFICATION
Read Article →Deconstructing Section 13(2) Demand Notices: Identifying Defects, Limitation Issues & Drafting Mandatory Section 13(3A) Objections
DEFECTS, LIMITATION & SECTION 13(3A) OBJECTIONS
Read Article →The Bank's Statutory Obligation under Section 13(3A): Mandatory Speaking Orders, Reasoned Rejections & DRT Relief for Non-Compliance
MANDATORY SPEAKING ORDERS & NON-COMPLIANCE REMEDIES
Read Article →Section 13(4) Symbolic Possession & Measures: Taking Over Management, Tenant Notice & Challenging Possession Notices Before the DRT
TAKING OVER MANAGEMENT & CHALLENGING POSSESSION NOTICES
Read Article →The Agricultural Land Shield (Section 31(i)): SARFAESI Bar on Agricultural Properties, Revenue Records & Quashing Unlawful Mortgages
SARFAESI BAR ON AGRICULTURAL PROPERTIES & REVENUE RECORDS
Read Article →Section 14 SARFAESI Proceedings Before DM / CMM: Affidavit Defects, Opportunity of Hearing & Procedural Lapses in Physical Possession Orders
AFFIDAVIT DEFECTS & LAPSES IN PHYSICAL POSSESSION ORDERS
Read Article →Resisting Section 14 Executive Force: Restraining Police Takeovers, Flawed Commissioner Warrants & Urgent Stays from District Magistrates
RESTRAINING POLICE TAKEOVERS & FLAWED WARRANTS
Read Article →Mortgage vs. Local Tenancy & Third-Party Rights: Bona Fide Tenants, Rent Control Protections & Defending Possession under Harshad Govardhan
BONA FIDE TENANTS & HARSHAD GOVARDHAN PROTECTIONS
Read Article →Restraining Midnight Evictions & Urgent High Court Intervention: Invoking Article 226 Writs During DRT Vacations & Halting Illegal Dispossession
INVOKING ARTICLE 226 WRITS DURING DRT RECESS
Read Article →Section 17 SA Masterclass: DRT Lucknow & Allahabad: Drafting Securitisation Applications, Limiting Pre-Deposits & Winning Interim Stay Orders
DRAFTING SECURITISATION APPLICATIONS & SECURING STAYS
Read Article →Security Interest Rules 8 & 9 Defenses: Mandatory 30-Day Auction Notice, Reserve Price Undervaluation & Challenging Sale Publications
30-DAY NOTICE DEFECTS & RESERVE PRICE UNDERVALUATION
Read Article →E-Auction Defense & Setting Aside Sales: Celir LLP Supreme Court Precedent, Right of Redemption under Section 13(8) & Flawed Auctions
CELIR LLP PRECEDENT & SECTION 13(8) REDEMPTION RIGHTS
Read Article →Section 19 RDB Act: Bank Recovery Suits & Counter-Claims: Written Statements, Contesting Inflated Penal Interest & Cross-Demands at the DRT
CONTESTING INFLATED PENAL INTEREST & CROSS-DEMANDS
Read Article →Execution Before Recovery Officer (RO) & Civil Detention: Resisting Attachment of Personal Assets, Warrants of Arrest & Safe Homestead Exemptions
RESISTING ASSET ATTACHMENT & ARREST WARRANTS
Read Article →DRAT Appeals & Pre-Deposit Waiver (Section 18): Navigating 50% vs. 25% Deposit Thresholds, Hardship Applications & Appellate Advocacy
NAVIGATING MANDATORY PRE-DEPOSITS & HARDSHIP WAIVERS
Read Article →IBC Moratorium vs. SARFAESI and RDB Act: Overriding Effect under Section 238, Stalling Recovery Actions & Rights of Corporate Guarantors
SECTION 238 OVERRIDE & CORPORATE GUARANTOR RIGHTS
Read Article →One-Time Settlement (OTS) Strategy & Enforcement: Enforcing Non-Discriminatory OTS Policies, Banking Guidelines & High Court Mandamus for Sanction
ENFORCING NON-DISCRIMINATORY OTS POLICIES VIA MANDAMUS
Read Article →Wilful Defaulter and Fraud Classification Defenses: Jah Developers Principles, Right to Personal Hearing & Quashing Red-Flagging by Banks
JAH DEVELOPERS NATURAL JUSTICE & QUASHING RED-FLAGS
Read Article →High Court Article 226 Writs in Banking Matters: When Are Writs Maintainable Against SARFAESI Actions? Natural Justice & Absolute Arbitrariness
MAINTAINABILITY OF WRITS AGAINST ARBITRARY BANK ACTIONS
Read Article →Criminal Defense in Banking Defaults (NI 138 & IPC 420): Cheque Bounce Tactics, Section 25 PSS Act & Quashing Fraud FIRs Against Borrowers
CHEQUE BOUNCE DEFENSE & QUASHING FRAUD FIRS
Read Article →ARC Bad Debt Assignment Defenses (Section 5): Challenging Asset Reconstruction Company Purchases, Stamp Duty Evasion & Locus Standi
CHALLENGING ARC ASSIGNMENTS & STAMP DUTY DEFECTS
Read Article →MSME Borrower Protections in Banking Recovery: RBI Restructuring Framework, MSMED Act Special Committees & Shielding Operational Units
RBI RESTRUCTURING & SHIELDING OPERATIONAL UNITS
Read Article →Tenant & Third Party Protection in Mortgaged Properties: Declaratory Suits, Establishing Registered Lease Rights & Defending Against Dispossession
ESTABLISHING REGISTERED LEASES & AVOIDING EVICTION
Read Article →Digital Lending & Harassment Defenses: Rogue Loan Apps, Extortionate Recovery Tactics, RBI Fair Practices Code & Cyber Police Complaints
ILLEGAL LOAN APPS, EXTORTION DEFENSE & POLICE COMPLAINTS
Read Article →Facing a Recovery or SARFAESI Matter?
Speak with our team about your DRT, SARFAESI, loan recovery, or cheque bounce matter — serving clients across Lucknow, Ghaziabad, Noida, Greater Noida, and Agra, and practising before the Debts Recovery Tribunal, the DRAT, Allahabad, and the Allahabad High Court, Lucknow Bench.
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