What EMD/deposit is required to file a Section 17 SA?

Court fees under the DRT Regulations scale with claim value; there is no percentage deposit at SA stage (unlike DRAT). Ceiling on fees is ₹1.5 lakh.

Is a Section 14 SARFAESI CMM order appealable?

A CMM order under Section 14 is administrative and not directly appealable — it can be challenged in the Section 17 SA before the DRT.

Which DRT hears a Noida-branch loan default?

DRT Allahabad has jurisdiction over Noida and Ghaziabad borrowers.

Which DRT hears a Gurugram-branch loan default?

DRT Chandigarh, since Gurugram and Faridabad fall under Haryana.

How do NCR SARFAESI writs differ across HCs?

Delhi HC, Allahabad HC (Lucknow bench for eastern UP; principal seat for western UP) and P&H HC each apply the Satyawati Tondon threshold with only minor variance; forum is dictated by the branch/state.

Which industrial development authority governs the Manesar plot?

HSIIDC — Estate Officer transfer NOC is mandatory before mutation after auction sale.

Delhi NCR (Extended) • Legal defence

SARFAESI Defence & Consulting in Delhi NCR (Extended)

Q: Can I file a Section 17 SA at DRT Delhi (Delhi), DRT Allahabad (Noida/Ghaziabad), DRT Chandigarh (Gurugram/Faridabad) without first replying to 13(2)?

Yes, but the absence of a 13(3A) reply weakens the SA. Best practice is to file a comprehensive 13(3A) reply within 15 days and then move the SA on receipt of the 13(4) possession notice.

Q: Will the Delhi HC (Delhi), Allahabad HC (Noida/Ghaziabad), P&H HC (Gurugram/Faridabad) stay a SARFAESI auction?

Only for narrow jurisdictional or procedural defects. Pricing or valuation disputes are routed to the DRT SA under Section 17. Satyawati Tondon is applied strictly.

We build the full SARFAESI defence stack for Delhi NCR (Extended) borrowers — 13(3A) reply, Section 17 Securitisation Application at DRT Delhi (Delhi), DRT Allahabad (Noida/Ghaziabad), DRT Chandigarh (Gurugram/Faridabad), and Article 226 writ before the Delhi HC (Delhi), Allahabad HC (Noida/Ghaziabad), P&H HC (Gurugram/Faridabad) where jurisdictional/procedural defects justify it.

13(3A) reply to the 13(2) demand notice — statutory 15-day reply, drafted to preserve every objection.

Section 17 Securitisation Application at DRT Delhi (Delhi), DRT Allahabad (Noida/Ghaziabad), DRT Chandigarh (Gurugram/Faridabad) against 13(4) possession / auction.

Interim application for stay of auction / possession under Rule 8/9 of the SARFAESI Rules.

Article 226 writ at the Delhi HC (Delhi), Allahabad HC (Noida/Ghaziabad), P&H HC (Gurugram/Faridabad) for jurisdictional or Rule 8(6) notice defects.

Coordination with the borrower on Section 14 SARFAESI hearing before the CMM / CJM at New Delhi.

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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 21, 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.

Delhi NCR (Extended)

Everything a Delhi NCR (Extended) borrower needs to know about SARFAESI Defence & Consulting

SARFAESI landscape in Delhi NCR (Extended)

NCR's stressed book is one of India's largest by value, dominated by real-estate developers, wholesale-trade cash-credit accounts and SME manufacturing exposures across three state jurisdictions. NCR auctions are high-volume; multiple state-industrial agencies (HSIIDC, UPSIDC, DSIIDC) each apply their own transfer NOC processes. Delhi HC (Delhi), Allahabad HC (Noida/Ghaziabad), P&H HC (Gurugram/Faridabad) applies the Satyawati Tondon threshold for writs — a writ is entertained only where the bank has breached statutory procedure, not on pricing or valuation disputes (those go to DRT).

The 15-day window after a 13(2) notice

Under Section 13(3A) SARFAESI, the borrower has 15 days to reply to a 13(2) notice and raise all objections. Silence or a weak reply materially prejudices the Section 17 SA later. We draft a reply that preserves every objection — non-service, wrong classification, misapplied appropriation, defective demand — and forces the bank to reply on record within 15 days of receipt.

Section 17 SA at DRT Delhi (Delhi), DRT Allahabad (Noida/Ghaziabad), DRT Chandigarh (Gurugram/Faridabad)

NCR spans three DRT jurisdictions — Delhi, Allahabad and Chandigarh — depending on the borrower's/branch's location. A Section 17 SA is the primary defence to 13(4) possession or an auction notice. Interim stay is possible where the borrower can show a strong prima facie case of statutory breach or where Rule 8(6) 30-day sale notice was not properly served. Our advocates at DRT Delhi (Delhi), DRT Allahabad (Noida/Ghaziabad), DRT Chandigarh (Gurugram/Faridabad) carry a full track record on SA filings against SBI and PNB.

When to move the Delhi HC (Delhi), Allahabad HC (Noida/Ghaziabad), P&H HC (Gurugram/Faridabad)

Writ is appropriate for: (a) jurisdictional defect — the account was wrongly classified NPA against the RBI IRAC Circular; (b) breach of natural justice — no 13(3A) reply was considered; (c) Rule 8(6) sale-notice defect not curable at DRT stage; (d) wilful-defaulter tag applied without a Show-Cause + Identification/Review Committee hearing under the July 2024 RBI Master Direction.

Local intelligence

Courts, lenders and hubs relevant to Delhi NCR (Extended)

Court structure

Delhi HC (Delhi), Allahabad HC (Noida/Ghaziabad), P&H HC (Gurugram/Faridabad)

Writ jurisdiction seat.

DRT Delhi (Delhi), DRT Allahabad (Noida/Ghaziabad), DRT Chandigarh (Gurugram/Faridabad)

NCR spans three DRT jurisdictions — Delhi, Allahabad and Chandigarh — depending on the borrower's/branch's location.

Primary lenders

• SBI
• PNB
• HDFC Bank
• ICICI Bank
• Axis Bank
• IDFC First Bank
• Kotak Mahindra

Banking hubs

• New Delhi
• Gurugram
• Noida
• Faridabad
• Ghaziabad

Stressed sectors

Real estate developers; Wholesale trade; SME manufacturing (Okhla, Noida Sector 63); Fintech NBFC vendor MSMEs

Auction / procedural note. NCR auctions are high-volume; multiple state-industrial agencies (HSIIDC, UPSIDC, DSIIDC) each apply their own transfer NOC processes.

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SARFAESI Defence & Consulting — Delhi NCR (Extended) FAQs

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