The challenges of loan defaults, recovery of dues, and management of non-performing assets (NPAs) have made banking and finance law one of the most demanding areas in India. To handle these disputes, specialized forums such as the Debt Recovery Tribunal (DRT) and legal provisions under the SARFAESI Act, 2002 are used extensively. Ajay Gautam Advocate, based in Jabalpur, Madhya Pradesh, has emerged as a trusted professional in this field, offering both litigation and advisory services across the country.
Professional Experience
With more than ten years of practice, Ajay Gautam focuses on banking disputes, debt recovery, and financial litigation. His clients include banks, financial institutions, corporate bodies, and individual borrowers. By representing both creditors and debtors, he has developed a balanced perspective that strengthens his legal strategies.
Representation Before Debt Recovery Tribunals
The Debt Recovery Tribunals were established to provide speedy resolution of disputes involving recovery of debts due to banks and financial institutions. Ajay Gautam regularly appears before DRTs and the Debt Recovery Appellate Tribunal (DRAT). His services in this area include:
Filing recovery applications on behalf of lenders.
Defending borrowers against claims of default.
Managing appeals before DRAT.
Advising on compliance with the Recovery of Debts and Bankruptcy Act, 1993.
His detailed preparation and practical approach make him effective in complex tribunal matters.
SARFAESI Act Matters
The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 empowers lenders to enforce security interests without initial court intervention. Ajay Gautam’s expertise includes:
Responding to notices issued under Section 13(2).
Advising on possession and enforcement actions under Section 13(4).
Representing borrowers through applications under Section 17 before the DRT.
Guiding lenders in conducting lawful auctions of secured properties.
This specialization ensures that he can both protect borrower rights and help creditors recover dues efficiently.
Nationwide and Online Legal Services
Though based in Jabalpur, Ajay Gautam provides pan-India representation. He appears before tribunals in multiple states, giving clients the confidence of Banking and Finance Lawyer in India Ajay Gautam Advocate professional support across jurisdictions. To improve accessibility, he also offers online consultations, enabling clients to seek timely advice regardless of their location.
Areas of Service
Litigation before DRT and DRAT.
Advisory on NPAs and restructuring of loans.
Guidance on Reserve Bank of India (RBI) regulations.
Negotiation and facilitation of one-time settlements.
Strategic legal defense Banking and Finance Lawyer for borrowers and enforcement support for lenders.
Approach to Clients
Ajay Gautam’s work is defined by transparency, ethics, and professionalism. He provides clear explanations of legal options, tailors strategies to Banking and Finance Lawyer in India Ajay Gautam Advocate each client’s circumstances, and focuses on achieving results that are practical and fair. His dedication has earned him recognition as a reliable advisor for financial disputes.
Why Clients Choose Him
Specialized knowledge in DRT and SARFAESI matters.
More than a decade Banking and Finance Lawyer in India of practical experience.
Balanced representation for both lenders and borrowers.
Nationwide presence with online consultation options.
Strong record of success in high-value disputes.
Conclusion
The resolution of debt recovery and banking disputes requires lawyers with specialized knowledge, experience, and a client-centered approach. Ajay Gautam Advocate has built his reputation in this field by combining deep expertise with practical solutions. His pan-India services, online consultations, and proven track record make him one Banking and Finance Lawyer in India Ajay Gautam Advocate of the most dependable advocates for individuals, businesses, and financial institutions navigating the complexities of DRT and SARFAESI cases in India.