What does an NPA consultant charge in Delhi (NCT)?

We charge a diagnostic fee (fixed) for the first 7 days plus a resolution retainer keyed to the exposure size. There is no success fee on Board-approved OTS.

Can an NPA consultant stop a Punjab National Bank SARFAESI notice?

Not directly — the notice cannot be withdrawn, but a well-drafted 13(3A) reply plus a viable OTS proposal typically freezes further coercive action. Our diagnostic tells you if that path is realistic in your case.

Do I still need a DRT lawyer if I engage an NPA consultant?

Yes for actual filings — we coordinate with panel advocates at DRT Delhi (I, II, III) and DRAT Delhi. Consultant + advocate is the standard split of work.

How long does an NPA resolution take in Delhi (NCT)?

Typical timelines: OTS 3–6 months, restructuring 4–9 months, DRT Section 17 SA interim order 3–8 months. Full closure and NDC receipt: 6–18 months depending on lender.

Where is the Section 14 SARFAESI application filed in Delhi?

Before the Chief Metropolitan Magistrate, Patiala House Courts. Turnaround for a possession order is typically 45–90 days.

Can I appeal a DRT Delhi order to DRAT the same day?

The SC 60-day limit under Section 18 applies; you must also deposit 25–50% of the debt (as fixed by DRAT) before the appeal is heard on merits.

Which zonal PSU banks dominate Delhi NPAs?

PNB (headquartered in Delhi) has the deepest NPA book, followed by SBI Delhi Circle and Canara Bank.

Do Delhi HC writs override SARFAESI notice?

Only in narrow scenarios — jurisdictional defect, breach of natural justice, or the account being wrongly classified NPA. United Bank of India vs Satyawati Tondon still governs.

Delhi (NCT) • Advisory

NPA Consultant in Delhi (NCT)

We advise borrowers, promoters and directors across Delhi (NCT) on how to resolve NPA classifications, defend against SARFAESI / DRT action and negotiate a One Time Settlement (OTS) with Punjab National Bank, SBI, Canara Bank and other lenders active in the state.

Independent NPA diagnostic — IRAC classification review, GNPA / SMA status analysis and lender-wise exposure map for Delhi (NCT) accounts.

Strategy memo — OTS vs restructuring vs SARFAESI defence vs DRT counter-claim, tuned to your Punjab National Bank/SBI exposure.

Lender-facing representation before the Delhi High Court-territory circle offices of your bank.

Coordination with panel advocates at DRT Delhi (I, II, III) and DRAT Delhi and the Delhi High Court.

End-to-end resolution — from first advisory call to closure letter / NDC.

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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 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.

Delhi (NCT)

Everything a Delhi (NCT) borrower needs to know about NPA Consultant

Why borrowers in Delhi (NCT) need a specialist NPA consultant

Delhi's NPA book skews toward unsecured business loans and wholesale-trade cash-credit accounts — SARFAESI possession orders here often collide with tenanted commercial premises. A borrower facing NPA in Delhi (NCT) is typically fighting a combined action — SARFAESI 13(2) notice from the bank, possible DRT filing, and mounting default interest. Our advisory role is to convert that pressure into a structured, defendable resolution before it escalates to a public auction. Sector focus: Wholesale trade; Hospitality; Real estate.

Lenders we handle in Delhi (NCT)

Active in the state and covered under our advisory: Punjab National Bank, SBI, Canara Bank, HDFC Bank, ICICI Bank, Axis Bank, IDFC First Bank. Each lender has its own OTS matrix, delegation limits and Board-approval trigger; Punjab National Bank's circle office typically routes exposures above ₹5 Cr to its zonal Stressed Asset Recovery Branch (SARB).

Our diagnostic — first 7 days

Day 1–2: exposure mapping across Punjab National Bank and SBI plus other lenders. Day 3–4: IRAC classification and DPD review against the RBI IRAC Circular (SMA-0 / SMA-1 / SMA-2 / NPA / Doubtful / Loss). Day 5–7: strategy memo with OTS band, SARFAESI-defence timeline and DRT counter-claim viability. Deliverable: written strategy note you can present to your Board or family.

Coordination with the DRT Delhi (I, II, III) and DRAT Delhi bench

All three DRT Delhi benches sit at Jeevan Tara / Lok Nayak Bhavan; DRAT Delhi is the appellate seat for Delhi, Punjab, Haryana, HP, J&K, Rajasthan and UP. We coordinate with empanelled advocates at DRT Delhi (I, II, III) and DRAT Delhi for Section 17 Securitisation Applications, stay applications and cross-Original Applications where the bank has filed for recovery.

Local intelligence

Courts, lenders and hubs relevant to Delhi (NCT)

Court structure

Delhi High Court

Writ jurisdiction seat.

DRT Delhi (I, II, III) and DRAT Delhi

All three DRT Delhi benches sit at Jeevan Tara / Lok Nayak Bhavan; DRAT Delhi is the appellate seat for Delhi, Punjab, Haryana, HP, J&K, Rajasthan and UP.

Primary lenders

• Punjab National Bank
• SBI
• Canara Bank
• HDFC Bank
• ICICI Bank
• Axis Bank
• IDFC First Bank

Banking hubs

• New Delhi
• Karol Bagh
• Chandni Chowk
• Nehru Place
• Okhla

Stressed sectors

Wholesale trade; Hospitality; Real estate; SME manufacturing (Okhla, Naraina)

Auction / procedural note. Delhi auctions frequently involve tenanted property and require possession under Section 14 through the Chief Metropolitan Magistrate, Patiala House.

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NPA Consultant — Delhi (NCT) FAQs

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OTS Settlement in Delhi (NCT) SARFAESI Defence in Delhi (NCT) DRT / DRAT Lawyer in Delhi (NCT) Bank Loan Settlement in Delhi (NCT) Loan Restructuring in Delhi (NCT)