What is the timeline at DRT?

Statutorily 180 days; practically longer. Interim orders typically come within weeks and shape outcomes more than the final order.

What is the pre-deposit at DRAT?

50% of the determined amount, reducible to 25% in deserving cases.

Tribunal representation

DRT representation that prioritises commercial outcomes

Securitisation Applications, defence of Original Applications, interim relief, and DRAT appeals — handled with the end-state in mind.

Get Free Case Review Talk to an Expert

Written by

Sharad Wardhan

MD, NPA Experts

CA, ex-Deputy Vice President (Banking)

Legally reviewed by

NPA Experts Legal Review Panel

Empanelled counsel practising before DRT, DRAT and High Courts

Last updated

July 13, 2026

Editorial policy

This page is for general information. It is not legal, tax or investment advice. Every NPA / SARFAESI / DRT matter is fact-specific — speak to a qualified advisor before acting.

Who this is for

Borrowers facing OA recovery proceedings
Borrowers filing securitisation applications
Guarantors served in recovery actions

Benefits

Interim leverage

Stay, status quo, conditional deposit — orders that shape the deal.

Commercial focus

Litigation aligned with negotiation, not separate from it.

DRAT readiness

Strong record at DRT translates to strong appeals.

Process

1
Case strategy
Choose between SA, defence, counter-claim or hybrid approach.
2
Pleadings & evidence
Tightly drafted pleadings backed by documentary evidence.
3
Interim applications
Targeted IAs that move the commercial needle.
4
Hearings & arguments
Senior counsel briefing and conduct.
5
Final order & next steps
Implementation or appeal as the order demands.

Frequently asked questions

Case Study · Illustrative

Status quo order in DRT-SA

Logistics promoter · ₹7.8 Cr · Multi-bank exposure.

Outcome: Interim status quo on auction; settlement negotiated in parallel and closed in 4 months.

Topical authority

Explore this topic across NPA Experts

Curated bridges between our services, pillar guides, deep-dive articles and bank-specific playbooks on the same topic.

Related services

Pillar guides

Deep-dive articles

Bank-specific playbooks

SBI Home Loan SettlementHome loan SARFAESI defence and settlement route for SBI borrowers.