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Debt Recovery

Understanding NPA Recovery & SARFAESI Act for Lenders and Borrowers

02 Oct 2026 • Legal Recovery Desk
Understanding NPA Recovery & SARFAESI Act for Lenders and Borrowers

Non-Performing Assets (NPAs) pose significant balance sheet challenges for banks and NBFCs. The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002 empowers secured creditors to recover dues without prolonged civil court delays.

Ethical Recovery & Mediation

At Suryansh Digital Pvt. Ltd., we believe recovery works best through structured borrower engagement rather than coercion. Our certified recovery teams facilitate Section 13(2) demand notice serving, Section 13(4) symbolic possession, and constructive One-Time Settlement (OTS) dialogues under strict RBI codes of conduct.


Tags: SARFAESI Act NPA Recovery Recovery Agency Banking Law
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