Will the Punjab & Haryana High Court 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.

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.

Where is a Gurgaon SARFAESI 13(2) notice challenged?

Section 17 SA is filed at DRT Chandigarh; writs go to the Punjab & Haryana High Court at Chandigarh.

Are Gurgaon real-estate auctions common?

Yes — post-2019 stressed developer cycle, several Gurugram towers have seen SARFAESI/IBC proceedings. Buyer diligence must confirm HRERA status separately.

Is HSIIDC NOC mandatory after SARFAESI auction of a Manesar plot?

Yes — HSIIDC's Estate Officer must issue a transfer NOC before mutation. Standard timeline is 30–45 days, with transfer fee based on zone.

Do NCR banks negotiate OTS differently for Gurugram vs Faridabad?

Terms are similar — SBI and PNB circle offices for both cities sit at Chandigarh/New Delhi zonal level; decision authority depends on exposure size.

Haryana • Legal defence

SARFAESI Defence & Consulting in Haryana

Q: Can I file a Section 17 SA at DRT Chandigarh (Haryana shares DRT Chandigarh with Punjab) 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.

We build the full SARFAESI defence stack for Haryana borrowers — 13(3A) reply, Section 17 Securitisation Application at DRT Chandigarh (Haryana shares DRT Chandigarh with Punjab), and Article 226 writ before the Punjab & Haryana High Court 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 Chandigarh (Haryana shares DRT Chandigarh with Punjab) 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 Punjab & Haryana High Court for jurisdictional or Rule 8(6) notice defects.

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

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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

June 14, 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.

Haryana

Everything a Haryana borrower needs to know about SARFAESI Defence & Consulting

SARFAESI landscape in Haryana

Haryana's NPA pool is defined by NCR real-estate developers and Panipat textile MSMEs — Gurugram tower projects account for many high-value SARFAESI notices. HSIIDC transfer NOC is required for auctioned industrial plots in Manesar, Bawal and Kundli — factor 30–45 days additional. Punjab & Haryana High Court 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 Chandigarh (Haryana shares DRT Chandigarh with Punjab)

DRT Chandigarh has statewide jurisdiction; Gurgaon and Faridabad matters are also filed here. 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 Chandigarh (Haryana shares DRT Chandigarh with Punjab) carry a full track record on SA filings against SBI and Punjab National Bank.

When to move the Punjab & Haryana High Court

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 Haryana

Court structure

Punjab & Haryana High Court

Writ jurisdiction seat.

DRT Chandigarh (Haryana shares DRT Chandigarh with Punjab)

DRT Chandigarh has statewide jurisdiction; Gurgaon and Faridabad matters are also filed here.

Primary lenders

• SBI
• Punjab National Bank
• HDFC Bank
• ICICI Bank
• Axis Bank
• Sarva Haryana Gramin Bank

Banking hubs

• Gurugram
• Faridabad
• Panipat
• Karnal
• Ambala
• Rohtak

Stressed sectors

Gurugram real estate; Panipat textiles & recycling; Faridabad auto components; Karnal agri-processing

Auction / procedural note. HSIIDC transfer NOC is required for auctioned industrial plots in Manesar, Bawal and Kundli — factor 30–45 days additional.

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SARFAESI Defence & Consulting — Haryana FAQs

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