Introduction Ajay Gautam has earned recognition as a prominent advocate whose legal practice spans banking law, Debt Recovery Tribunal (DRT) proceedings, SARFAESI litigation, constitutional law, civil disputes, and advisory services. Over the course of his career, he has built a reputation for providing practical legal solutions while maintainin

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India’s financial system relies heavily on effective legal mechanisms to address loan defaults and ensure the smooth functioning of credit markets. With the increasing volume of non-performing assets (NPAs), specialized legal forums like Debt Recovery Tribunals (DRTs) and laws such as the SARFAESI Act, 2002 have become central to resolving disput