Debt Recovery Tribunal in Patna · DRT Procedure · BR/1115/2023
Facing a Debt Recovery Tribunal in Patna notice or SARFAESI action? Advocate Simran Kumari handles the complete DRT procedure before the Debt Recovery Tribunal in Patna under the RDB Act, 1993 — from reviewing the Section 13(2) demand notice and Original Application, through written statement filing and Section 17 applications, to recovery certificate execution and DRAT appeals. This is the definitive Debt Recovery Tribunal in Patna guide for borrowers, guarantors and financial institutions across Bihar.
Choose your path
DRT procedure under RDB Act 1993, Original Application filing, written statement timelines, SARFAESI Section 17, recovery certificate execution and DRAT appeals for your Debt Recovery Tribunal in Patna matter.
iiAdvocate-assisted DRT procedure representation before the Debt Recovery Tribunal in Patna, Original Application defence, SARFAESI Section 17 filing, recovery certificate execution and DRAT appeal drafting.
iiiSend your DRT summons, SARFAESI demand notice or recovery certificate query and get a same-day Debt Recovery Tribunal in Patna assessment from Kankarbagh.
DRT summons for the Debt Recovery Tribunal in Patna? The written statement window is 30 days.
Under Section 19(5) of the RDB Act, 1993, the defendant must file a written statement before the Debt Recovery Tribunal in Patna within 30 days of service of the DRT summons, extendable by a further 15 days only in exceptional cases. For a SARFAESI Section 17 application, the debt recovery proceedings before the Debt Recovery Tribunal in Patna must be filed within 45 days of the measure under Section 13(4).
Understanding the sequence of debt recovery proceedings before the Debt Recovery Tribunal in Patna is the first step to defending or pursuing a claim.
Every Debt Recovery Tribunal in Patna matter and DRT procedure step is processed through the official DRT portal. The links below are the official portals referenced throughout this Debt Recovery Tribunal in Patna guide.
Debt Recovery Tribunal in Patna — bench address and territorial jurisdiction
DRT Patna is located at the 2nd Floor, A, B & F Wing, Karpuri Thakur Sadan, Kendriya Karmchari Parisar (GPOA), Ashiana Digha Road, Patna – 800025. The Debt Recovery Tribunal in Patna exercises territorial jurisdiction over the entire state of Bihar, covering Patna, Muzaffarpur, Gaya, Bhagalpur, Darbhanga, Purnia, Chapra, Hajipur and Samastipur. Appeals against the Debt Recovery Tribunal in Patna orders lie to the DRAT Allahabad.
Every Debt Recovery Tribunal in Patna sub-topic is organised below by stage — from the Section 13(2) demand notice to the Patna High Court.
A review of the leading DRT Patna pages shows a consistent pattern: most list the bench address and jurisdiction without explaining the DRT procedure timelines, the written statement window before the Debt Recovery Tribunal in Patna, the Section 17 SA limitation or the Patna High Court authority on debt recovery proceedings.
| Gap observed | What most competitor pages do | What this Debt Recovery Tribunal in Patna hub does instead |
|---|---|---|
| No DRT procedure detail | Mentions "DRT" without explaining the Original Application, written statement or recovery certificate stages | Complete DRT procedure under RDB Act 1993 before the Debt Recovery Tribunal in Patna — Section 19 OA filing, Section 19(5) written statement and Section 19(20) recovery certificate |
| No SARFAESI Section 17 analysis | Does not explain the 45-day limitation for Section 17 SA or the Section 13(2) reply window | Detailed SARFAESI Section 17 analysis for the Debt Recovery Tribunal in Patna with the 45-day limitation and Section 13(2) reply strategy |
| No Patna case law | General content with no Patna High Court authority on DRT procedure | Patna High Court rulings on DRAT Section 22(2) recall power, possession pending Section 17 and debt recovery proceedings |
| No DRAT appeal detail | Ignores the DRAT Allahabad appeal, pre-deposit under Section 21 and recall power under Section 22(2) | Dedicated DRAT appeal section with Section 20 filing, Section 21 pre-deposit and Patna HC LPA route |
| No recovery certificate guide | Does not explain recovery officer powers, attachment or third-party objections | Full recovery certificate execution guide before the Debt Recovery Tribunal in Patna — recovery officer powers, property attachment and third-party objections |
Practical effect of these gaps on debt recovery proceedings
A borrower or guarantor in Patna who receives a DRT summons or SARFAESI notice often finds pages that describe what the tribunal is but not how to respond within the statutory timeline. This Debt Recovery Tribunal in Patna hub is structured the opposite way — every section starts with the statutory provision, the deadline, the documents and the Patna forum.
Every debt recovery proceedings matter before the Debt Recovery Tribunal in Patna is scoped to the stage, the security profile, the amount involved and the forum.
Defence of Original Applications filed under Section 19 of the RDB Act, 1993 before the Debt Recovery Tribunal in Patna — verification of the loan account statement, challenge to the amount claimed, set-off and counterclaim.
Filing and defence of Section 17 applications before the Debt Recovery Tribunal in Patna — challenging the Section 13(2) demand notice, Section 13(4) measures, possession notices and auction sales within the 45-day limitation period.
Representation in recovery certificate execution proceedings before the Recovery Officer of the Debt Recovery Tribunal in Patna — attachment and sale of property, third-party objections and civil arrest defence.
Appeals under Section 20 of the RDB Act before the DRAT Allahabad against orders of the Debt Recovery Tribunal in Patna — within 30 days, with the Section 21 pre-deposit of 50% of the decretal amount.
Writ petitions under Article 226 and Letters Patent Appeals against the Debt Recovery Tribunal in Patna and DRAT Allahabad orders — where the tribunal has exceeded jurisdiction or violated natural justice.
Representation of banks, NBFCs and ARCs before the Debt Recovery Tribunal in Patna — Original Application filing, interim attachment under Section 19(13), recovery certificate procurement and execution.
Your Debt Recovery Tribunal in Patna matter is handled by the advocate herself — not routed through intermediaries or call centres.
Familiar with the registry of the Debt Recovery Tribunal in Patna at Karpuri Thakur Sadan, the DRAT Allahabad appellate procedure and the Patna High Court writ jurisdiction over tribunal orders.
The chamber is located at P.C. Colony, Kankarbagh, Patna – 800020, easily accessible for any Debt Recovery Tribunal in Patna consultation.
Advice on the Debt Recovery Tribunal in Patna grounded in the RDB Act, 1993 and current Patna High Court authority.
Send the DRT summons to your Debt Recovery Tribunal in Patna lawyer
Share the DRT summons, Section 13(2) demand notice, possession notice or recovery certificate by WhatsApp or email. Acknowledge receipt is issued the same day from the Kankarbagh chamber.
Debt Recovery Tribunal in Patna assessment call
A short call to establish the stage of debt recovery proceedings, the written statement deadline before the Debt Recovery Tribunal in Patna, the Section 17 limitation and any immediate protective steps.
Written scope
A written scope of the engagement and the fee arrangement for the Debt Recovery Tribunal in Patna stage, before the written statement or Section 17 application is filed.
Drafting and representation before the Debt Recovery Tribunal in Patna
Drafting the written statement, Section 17 application or DRAT appeal, filing through the DRT portal, and representation before the Debt Recovery Tribunal in Patna, DRAT Allahabad or the Patna High Court.
Ready to respond to your DRT summons? The 30-day window is running.
Send your DRT summons and receive a same-day Debt Recovery Tribunal in Patna assessment from Kankarbagh.
The DRT procedure before the Debt Recovery Tribunal in Patna is governed by the Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) and the Debts Recovery Tribunal (Procedure) Rules, 1993. The Debt Recovery Tribunal in Patna is a specialised forum for expeditious adjudication of recovery claims by banks and financial institutions across Bihar.
A bank or financial institution may file an Original Application (OA) before the Debt Recovery Tribunal in Patna under Section 19 of the RDB Act. The application must be filed within 3 years of the date of default or, if applicable, after the date of the last acknowledgment of debt.
Once the Original Application is filed, the Debt Recovery Tribunal in Patna issues a summons requiring the defendant to show cause within 30 days. Under Section 19(5) of the RDB Act read with Rule 12 of the DRT (Procedure) Rules, 1993, the defendant may file a written statement within 30 days of service of the summons, extendable by a further period not exceeding 15 days only in exceptional cases and special circumstances to be recorded in writing.
Where the Debt Recovery Tribunal in Patna allows the claim, it issues a recovery certificate under Section 19(20) of the RDB Act. The recovery certificate is executed by the Recovery Officer, who has powers equivalent to a civil court decree.
| Stage | Provision | Timeline |
|---|---|---|
| Original Application filing | Section 19 | 3 years from default |
| Summons issuance by DRT Patna | Section 19(4) | Within 30 days of OA registration |
| Written statement before the Debt Recovery Tribunal in Patna | Section 19(5) / Rule 12 | 30 days, extendable by 15 days |
| Interim attachment | Section 19(13) | As directed by the tribunal |
| Recovery certificate from the Debt Recovery Tribunal in Patna | Section 19(20) | After final order |
Received a DRT summons from the Debt Recovery Tribunal in Patna?
Send the summons and get a same-day DRT procedure response strategy note.
The SARFAESI Act, 2002 provides a parallel enforcement mechanism for secured creditors. Where a bank or financial institution has security over property in Patna, enforcement proceedings under SARFAESI can become an important part of the debt recovery proceedings before the Debt Recovery Tribunal in Patna.
The first step in SARFAESI enforcement in Patna is the Section 13(2) demand notice, which gives the borrower 60 days to repay the secured debt. The borrower may submit a representation or objection to the notice under Section 13(3A).
Under Section 17(1) of the SARFAESI Act, any person aggrieved by any of the measures referred to in Section 13(4) may make an application to the Debt Recovery Tribunal in Patna. The application must be filed within 45 days of the date on which the measure was taken. The Debt Recovery Tribunal in Patna must dispose of the application within 60 days, extendable to a maximum of four months.
| Stage | Provision | Timeline |
|---|---|---|
| Section 13(2) demand notice | SARFAESI Section 13(2) | 60 days to repay |
| Objection reply | SARFAESI Section 13(3A) | Within 60 days of notice |
| Section 17 application before the Debt Recovery Tribunal in Patna | SARFAESI Section 17(1) | 45 days from Section 13(4) measure |
| Disposal by the Debt Recovery Tribunal in Patna | SARFAESI Section 17(5) | 60 days, max 4 months |
SARFAESI demand or possession notice received in Patna?
Get a same-day Section 17 application strategy before the Debt Recovery Tribunal in Patna.
Appeals against orders of the Debt Recovery Tribunal in Patna lie to the DRAT Allahabad under Section 20 of the RDB Act, 1993. The Patna High Court has clarified the scope of the DRAT's powers, including its power to recall an appeal dismissed for non-compliance with the pre-deposit requirement.
Under Section 20(1) of the RDB Act, any person aggrieved by an order made by the Debt Recovery Tribunal in Patna may prefer an appeal to the DRAT within 30 days from the date of the order.
Where an appeal is preferred by a borrower, the DRAT shall not entertain the appeal unless the appellant deposits 50% of the amount of the debt due as determined by the Debt Recovery Tribunal in Patna. The DRAT may reduce this amount to not less than 25% if it records reasons in writing.
In a significant 2026 judgment, the Patna High Court held that the DRAT, in exercise of its review powers under Section 22(2) of the RDB Act, can recall an appeal against the Debt Recovery Tribunal in Patna dismissed for non-compliance with the pre-deposit requirement.
| Parameter | Requirement |
|---|---|
| Provision | Section 20, RDB Act 1993 |
| Limitation | 30 days from DRT Patna order; condonable |
| Pre-deposit (borrower) | 50% of debt due, reducible to 25% on reasons |
| Pre-deposit (bank) | No pre-deposit required |
| Recall power | Section 22(2) — DRAT can recall dismissal for non-compliance |
Once the Debt Recovery Tribunal in Patna issues a recovery certificate under Section 19(20) of the RDB Act, the recovery officer executes it with powers equivalent to a civil court decree. The recovery officer may attach and sell movable and immovable property in Patna and across Bihar, and may also order civil arrest and detention of the judgment debtor.
Where a third party claims an interest in the property attached by the recovery officer of the Debt Recovery Tribunal in Patna, it may file an objection under Rule 11 of the Second Schedule to the Income-tax Act, 1961 (as applied to recovery proceedings under the RDB Act).
Recovery certificate issued by the Debt Recovery Tribunal in Patna?
Get a same-day recovery officer proceedings assessment from Kankarbagh.
The Patna High Court has developed a substantial body of authority on debt recovery proceedings before the Debt Recovery Tribunal in Patna and DRAT Allahabad that is directly relevant to borrowers and lenders in Bihar.
In Tirupati Storage and Allied Pvt. Ltd. v. UCO Bank (2026), the Patna High Court held that the DRAT, in exercise of its review powers under Section 22(2) of the RDB Act, 1993, can recall an appeal dismissed for non-compliance with the pre-deposit requirement in a Debt Recovery Tribunal in Patna matter. The dispute arose from recovery proceedings initiated by UCO Bank, Frazer Road Branch, Patna, after the loan account of Tirupati Storage was declared an NPA.
In Surya Narayan Raut v. State of Bihar (2026), the Patna High Court held that a pending Section 17 challenge before the Debt Recovery Tribunal in Patna does not bar delivery of possession to a registered SARFAESI auction purchaser. The Court noted that the sale had culminated in a registered sale deed in favour of the auction purchaser and regarded possession as consequential to that sale.
In Pushplata Ishwar v. Presiding Officer, DRT Patna (2026), the Patna High Court considered a writ petition seeking to quash an order of the Presiding Officer, Debt Recovery Tribunal in Patna in S.A. No. 287 of 2024, whereby the SARFAESI application preferred by the petitioner was dismissed. The case involved Indian Bank, Boring Road Branch, Patna.
Send your DRT summons, SARFAESI notice or recovery certificate query to the chamber today. As a lawyer practising before the Debt Recovery Tribunal in Patna from Kankarbagh, Advocate Simran Kumari reviews the notice, identifies the stage of debt recovery proceedings, the written statement deadline and the Section 17 limitation, and issues a written scope and fee note.
This page on the Debt Recovery Tribunal in Patna is published for general information only and does not constitute legal advice or solicitation. DRT procedure, debt recovery proceedings rules, SARFAESI Act provisions, RDB Act provisions, DRAT appeal procedure and portal processes are amended from time to time. The applicable position on any Debt Recovery Tribunal in Patna matter must be verified against the current statutory text, notifications and circulars, and against the facts of the particular matter.
Law last checked: 6 October 2026.
