Got a bank's SARFAESI notice, or a case in the DRT? See what happened in cases like yours

Our Legal AI has read the orders of the courts and consumer commissions in Delhi and Gurugram in disputes with banks over loans, notices and auctions. Tell it which notice you got, and it finds the cases closest to yours.

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Your first answers are free.

SARFAESI deadlines

Date of the bank's demand notice under Section 13(2) Date the bank took a measure under Section 13(4) (possession, takeover or sale)

From Section 13(2) and Section 17(1) of the SARFAESI Act, 2002: the borrower has 60 days from the date of the demand notice to pay; an application to the Debts Recovery Tribunal against a measure under Section 13(4) is to be made within 45 days from the date the measure was taken. Don't wait for the last date.

What they look at

Did the bank follow the procedure before taking or selling the property or vehicle?
Was the notice properly served?
Was it sold below its proper value?
Must the money left over after the sale be returned to the borrower?
Were all payments credited, and was a settlement agreed?

Real cases. Every case is different.

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What our Legal AI will ask you

Which notice did you get, and on what date? Send a photo.
Home, shop, land or vehicle?
How much is paid, and is any settlement being discussed?
Is a case already filed in the DRT or a court?

Cases like yours report₹499

Our Legal AI puts together the decided cases closest to yours: what each borrower asked for, what was ordered, how long it took, and what made the difference.

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Questions people ask

What is a 13(2) notice?

The bank's demand to pay the full dues within 60 days. If they aren't paid, the bank can take possession of the secured property under Section 13(4).

Can I object to the notice?

Yes. You can object in writing. The bank has to consider it and, if it rejects it, give you its reasons within fifteen days.

Can I stop the auction?

You can challenge the bank's measures before the Debts Recovery Tribunal within 45 days. It decides whether the bank followed the procedure.

Updated 30 October 2026. What courts look at comes from the orders our Legal AI has read. The time limits come from the Acts named in the checker.