Home   |   Tribunals   |   Cause Lists   |   Judgements   |   Asset Bazaar   |   Ask Us   |   FAQs   |   Services   |   Occult   |   Contact Us

RBI Notification
Reserve Bank of India circular on Credit Cards
Reserve Bank of India circular on Corporate Debt Restructuring Scheme
Reserve Bank of India circular on liberalizing the earlier Corporate Debt Restructuring Scheme
Reserve Bank of India circular on extending Corporate Debt Restructuring Scheme to viable economic units facing temporary credit crunches.
Reserve Bank of India circular on information to be collected from borrowers for lending by multiple banks, ie: Consortium Lending.
Disposal of mortgaged/ hypothecated assets without knowledge of bank amounts to willful default.
Reserve Bank of India circular on expanded definition of the term “willful defaulter”.
More Circulars

  • DRT Act
  • DRT Rules
  • DRAT Rules
  • DRT & DRAT Regulations
  • Securitisation Act (SRFAESI Act)
  • SRFAESI Rules
  • Auction Rules














































    • Debts Recovery Tribunal

    Keeping in line with the international trends on helping financial institutions recover their bad Debt quickly and effeciently, the Government of India has constituted thirty three Debt Recovery Tribunal and five Debt Recovery Appellate Tribunal across the country.

    The Debt Recovery Tribunal are located across the country. Some cities have more than one Debt Recovery Tribunal located therein. New Delhi and Mumbai have three Debt Recovery Tribunal. Chennai and Kolkata have two Debt Recovery Tribunal each. One Debt Recovery Tribunal each has been constituted at Ahmdabad, Allahabad, Arungabad, Bangalore, Chandigrah, Coimbatore, Cuttack, Ernakulam, Guwahati, Hydrabad, Jabalpur, Jaipur, Lucknow, Nagpur, Patna, Pune, Ranchi and Vishakapatnam. Depending upon the number of cases a Debt Recovery Tribunal is constituted.

    There are a number of States that do not have a Debt Recovery Tribunal. The Banks & Financial Institutions and other parties in these States have to go to Debt Recovery Tribunal located in other states having jurisdiction over there area. Thus the territorial jurisdiction of some Debt Recovery Tribunal is very vast. For example, the Debt Recovery Tribunal located in Guwahati has jurisdiction over all the seven North Eastern States. Similarly, the territorial jurisdiction of the Debt Recovery Tribunal located at Chandhigarh too has a very wide jurisdiction over the States of Punjab, Harayana, Chandhigarh.
    From Archive
    Bank Officers should carefully examine the title deeds being deposited by them: DRT-2 Chennai.
    DRTs cannot adjudicate any claim of the bank.
    When documents are challenged, DRT must seek expert evidence.
    DRTs can fix rate of interest.
    Financial jurisdiction of DRT does not change with the change of amount adjudicated.
    Conscious absenteeism from proceeding before DRT uncondonable
    The DRT must adjudicate the claim of the applicant only.
    Limitation for enforcing foreign judgments before DRTs is 3 years
    Indian Evidence Act not applicable to DRTs
    DRTs fume at pleas for cross examination as delaying tactic.
    No harm if DRT accepts 2nd statement of defense in transferred matters.
    Co-op Banks out of DRT net
    DRT cannot ask the lessee to pay more than the indenture amount.
    Appeal to DRT under SRFAESI Act to be charged as per DRT Rules:: SC
    Proceedings before DRT is no bar for other proceedings to go on.
    No special clauses for tenants in DRT Act
    Strong message from DRT Mumbai - Exercise Powers with Responsibility.
    Jurisdiction of a Recovery Officer - cannot transgress that of the DRT.
    Adjournments before DRTs should be a rarity.
    DRTs cannot be expected to grant adjournments merely for the asking.
    Recovery Officer of a DRT is bound by Schedule II of the Income Tax Act
    The Recovery Officer of a DRT cannot arrest a lady defaulter.
    Powers of DRTs are limited where Companies are under liquidation.
    The DRT Commissioner has right of way over the Official Liquidator
    Proceedings can go on in Consumer Court as well as in DRT
    Consumer Court are not forums over DRTs
    BANKING OMBUDSMAN & DRT ACT ARE DIFFERENT AND EXCLUSIVE –Proceedings between two parties based on the same facts can go on simultaneously before the two forums.

    The setting up of a Debt Recovery Tribunal is dependant upon the volume of cases. Higher the number of cases within a territorial area, more Debt Recovery Tribunal would be set up.

    Each Debt Recovery Tribunal is presided over by a Presiding Officer. The Presiding Officer is generally a judge of the rank of Dist. & Sessions Judge. A Presiding Officer of a Debt Recovery Tribunal is assisted by a number of officers of other ranks, but none of them need necessarily have a judicial back ground. Therefore, the Presiding Officer of a Debt Recovery Tribunal is the sole judicial authority to hear and pass any judicial order.

    Each Debt Recovery Tribunal has two Recovery Officers. The work amongst the Recovery Officers is allocated by the Presiding Officer. Though a Recovery Officer need not be a judicial Officer, but the orders passed by a Recovery Officer are judicial in nature, and are appealable before the Presiding Officer of the Tribunal.

    The Debt Recovery Tribunal are governed by provisions of the Recovery of Debt Due to Banks and Financial Institutions Act, 1993, also popularly called as the RDB Act. Rules have been framed and notified under the Recovery of Debts Due to Banks and Financial Institutions Act, 1993.

    After the enactment of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interests Act (SRFAESI Act or SRFAESIA for short) borrowers could become first applicants before the Debt Recovery Tribunal. Earlier only lenders could be applicants.

    The Debt Recovery Tribunal are fully empowered to pass comprehensive orders like in Civil Courts. The Tribunal can hear cross suits, counter claims and allow set offs. However, they cannot hear claims of damages or deficiency of services or breach of contract or criminal negligence on the part of the lenders.

    The Debt Recovery Tribunal can appoint Receivers, Commissioners, pass ex-parte ordes, ad-interim orders, interim orders apart from powers to Review its own decision and hear appeals against orders passed by the Recovery Officers of the Tribunal.

    The recording of evidence by Debt Recovery Tribunal is some what unique. All evidences are taken by way of an affidavit. Cross examination is allowed only on reqeust by the defense, and that too if the Tribunal feels that such a cross examination is in the interest of justice. Friviolous cross examination may be denied. There are a number of other unique features in the proceedings before the Debt Recovery Tribunal all aimed at expediting the proceedings.

    The details of the Tribunal constituted as of now are as under

    Debt Recovery Appellate Tribunal Allahabad:-
    The Tribunal has been constituted vide notification GSR No: 5(E) dated 3-1-2001 . The territorial jusrisdiction of the Hon`ble Tribunal covers Over Debt Recovery Tribunal Allahabad, Debt Recovery Tribunal Lucknow and Debt Recovery Tribunal Jabalpur.

    Debt Recovery Appellate Tribunal Chennai:-
    The Tribunal has been constituted vide notification GSR No: 134(E) 17-2-2000 . The territorial jusrisdiction of the Hon`ble Tribunal covers Over Debt Recovery Tribunal Bangalore, Debt Recovery Tribunal Chennai-1, Debt Recovery Tribunal Chennai-2, Debt Recovery Tribunal chennai-3, Debt Recovery Tribunal Coimbatore, Debt Recovery Tribunal Hyderabad, Debt Recovery Tribunal Vishakapatnam, Debt Recovery Tribunal Ernakulam and Debt Recovery Tribunal Madurai.

    Debt Recovery Appellate Tribunal Delhi:-
    The Tribunal has been constituted vide notification GSR No: 498(E) 26-5-2000 . The territorial jusrisdiction of the Hon`ble Tribunal covers Over Debt Recovery Tribunal Chandhigarh, Debt Recovery Tribunal Delhi-1, Debt Recovery Tribunal Delhi-2, Debt Recovery Tribunal Delhi-3, and Debt Recovery Tribunal Jaipur.

    Debt Recovery Appellate Tribunal Kolkata:-
    The Tribunal has been constituted vide notification GSR No: 257(E) 24-3-2000 . The territorial jusrisdiction of the Hon`ble Tribunal covers Over Debt Recovery Tribunal Cuttak, Debt Recovery Tribunal Guwahati, Debt Recovery Tribunal Patna, Debt Recovery Tribunal Kolkata-1, Debt Recovery Tribunal Kolkata-2, Debt Recovery Tribunal Kolkata-3, and Debt Recovery Tribunal Ranchi.

    Debt Recovery Appellate Tribunal Mumbai:-
    The Tribunal has been constituted vide notification GSR No: 654(E) 17-7-1994 . The territorial jusrisdiction of the Hon`ble Tribunal covers over Debt Recovery Tribunal Ahmedabad, Debt Recovery Tribunal Aurangabad, Debt Recovery Tribunal Mumbai-1, Debt Recovery Tribunal Mumbai-2, Debt Recovery Tribunal Mumbai-3, Debt Recovery Tribunal Nagpur and Debt Recovery Tribunal Pune.

    Debt Recovery Tribunal - 1 Ahmedabad:-
    The Tribunal has been constituted vide notification GSR No: 88 (E) dated 21.12.1994. The territorial jusrisdiction of the Hon`ble Tribunal covers State of Gujarat and Union Territories of Dadra & Nagar Haveli, Daman & Diu.

    Debt Recovery Tribunal - 2 Ahmedabad:-
    The DRT-2 Ahmedabad has been constituted by the Central Government.

    Debt Recovery Tribunal Allahabad:-
    The Tribunal has been constituted vide notification GSR No: 274 (E) dated 31.03.2000 . The territorial jusrisdiction of the Hon`ble Tribunal covers Allahabad, Auraiya, Azamgarh, Ballia, Banda, Basti, Budan, Chandauli, Chitrakut, Deoria, Etah, Etawah, Farrukahabad, Fatehpur, Firozabad, Ghazipur, Gorakhpur, Hamirpur, Jalaun, Jaunpur, Jhansi, Kanauj, Kanpur (Rural), Kanpur (Urban), Kaushambi, Kushinagar, Lalitpur, Haharajganj, Mahoba, Mainpuri, Mau, Mirzapur, Sant Kabir Nagar, Sant Ravi Das Nagar, Sidharthnagar, Sonbhadra, Varnasi districts of Uttar Pradesh & any other area in State of Uttar Pradesh not covered within the jurisdiction of DRTs at Lucknow & Allahabad.

    Debt Recovery Tribunal Aurangabad:-
    The Tribunal has been constituted vide notification GSR No: 909 (E) dated 7.12.2000. The territorial jusrisdiction of the Hon`ble Tribunal covers Aurangabad, Nanded, Jalna, Beed, Parbhani, Hingoli, Dharashiv, Latur, Ahmadnagar, Jalgaon, Dhule, Nandurbar and Nashik districts of Maharashtra state.

    Debt Recovery Tribunal Bangalore:-
    The Tribunal has been constituted vide notification GSR No: 832 (E) dated 30.11.1994 . The territorial jusrisdiction of the Hon`ble Tribunal covers State of Karnataka .

    Debt Recovery Tribunal Chandhigarh:-
    The Tribunal has been constituted vide notification GSR No: 258 (E) dated 24.3.2000. The territorial jusrisdiction of the Hon`ble Tribunal covers Himachal Pradesh, Punjab, Haryana and Chandigarh.

    Debt Recovery Tribunal - 1 Chennai:-
    The Tribunal has been constituted vide notification GSR No: 508 (E) dated 04.11.96. The territorial jusrisdiction of the Hon`ble Tribunal covers Area under Egmore-Nungambakkam and Mylapore-Triplicane Taluk limits of Chennai and Union Territory of Pondicherry.

    Debt Recovery Tribunal - 2 Chennai:-
    The Tribunal has been constituted vide notification GSR No: 258 (E) dated 29.03.2001. The territorial jusrisdiction of the Hon`ble Tribunal covers Areas Under Tondiarpet and Mambalam - Guindy Taluk limits of Chennai.

    Debt Recovery Tribunal - 3 Chennai:-
    DRT-3 Chennai was eastablished vide GSR No. 15(E) dated the 9th January, 2007. The territorial jusrisdiction of the Hon`ble Tribunal covers Areas under Perambur-Purasawalkam Taluk limits of Chennai and Districts of Kanchipuram, Tiruvallur, Vellore, Villupuram, Cuddalore, Tiruvannamali, Pudukottai, Thanjavur, Thiruvarur, Nagapattinam, Perambulur and Charmapuri in the State of Tamil Nadu.

    Debt Recovery Tribunal Coimbatore:-
    The Tribunal has been constituted vide notification GSR No: 221 (E) dated 22.3.2002. The territorial jusrisdiction of the Hon`ble Tribunal covers Districts of Coimbatore and Nilgiris in the State of Tamil Nadu.

    Debt Recovery Tribunal Cuttak:-
    The Tribunal has been constituted vide notification GSR No: 946 (E) dated 29.12.2000. The territorial jusrisdiction of the Hon`ble Tribunal covers State of Orissa.

    Debt Recovery Tribunal Ernakulam:-
    The Tribunal has been constituted vide notification GSR No: 397 (E) dated 4.10.1999. The territorial jusrisdiction of the Hon`ble Tribunal covers State of Kerala & Lakshadweep.

    Debt Recovery Tribunal Guwahati:-
    The Tribunal has been constituted vide notification GSR No: 7 (E) dated 7.1.1997. The territorial jusrisdiction of the Hon`ble Tribunal covers Assam and other North Eastern States and Sikkim.

    Debt Recovery Tribunal Hyderabad:-
    The Tribunal has been constituted vide notification GSR No: 647 (E) dated 21.9.1999. The territorial jusrisdiction of the Hon`ble Tribunal covers Adilabad, Anantapur, Chittoor, Cuddapah, Hyderabad, Kurnool, Khammam, Karim Nagar, Mehbubnagar, Medak, Nalgonda, Nizamabad, Rangareddi, & Warangal districts of Andhra Pradesh and remaining areas of Andhra Pradesh not covered in the jurisdiction of DRT Vishakhapatnam.

    Debt Recovery Tribunal Jabalpur:-
    The Tribunal has been constituted vide notification GSR No: 181 (E) dated 7.4.1998. The territorial jusrisdiction of the Hon`ble Tribunal covers States of Madhya Pradesh and Chhattisgarh.

    Debt Recovery Tribunal Jaipur:-
    The Tribunal has been constituted vide notification GSR No: 655 (E) dated 30.8.1994. The territorial jusrisdiction of the Hon`ble Tribunal covers State of Rajasthan.

    Debt Recovery Tribunal-1 Kolkata:-
    The Tribunal has been constituted vide notification GSR No: 416 (E) dated 27.4.1999. The territorial jusrisdiction of the Hon`ble Tribunal covers Kolkata city covering the areas of the following police station:-Hare Street, Park Street, Shakespeare Sarani, Bowbazar, Muchipara, Taltolla, Hastings, North Port.

    Debt Recovery Tribunal-2 Kolkata:-
    The Tribunal has been constituted vide notification GSR No: 270 (E) dated 20.4.2001. The territorial jusrisdiction of the Hon`ble Tribunal covers Al districts of West Bengal (except Kolkata City) and Andaman & Nicobar Islands

    Debt Recovery Tribunal-3 Kolkata:-
    The Tribunal has been constituted vide notification GSR No: 84 (E) dated 6.2.2002. The territorial jusrisdiction of the Hon`ble Tribunal covers Kolkata City covering the areas of the following police station:- Shyampukur, Jorabagan, Burtolla, Burrabazar, Posta, Jorasanko, Amherst Street and areas of any other police station which may be created in future in Kolkata City.

    Debt Recovery Tribunal Lucknow:-
    The Tribunal has been constituted vide notification GSR No: 71 (E) dated 31.1.2002 . The territorial jusrisdiction of the Hon`ble Tribunal covers Ambedkar Nagar, Aligarh, Agra, Barabanki, Balrampur, Bahraich, Bareilly, Bijnor, Bulandshahr, Baghpat, Faizabad, Ghaziabad, Gonda, Gautam Budh Nagar, Hathras, Hardoi, Jyotiba Phule Nagar, Lucknow, Lakhimpur, Meerut, Moradabad, Muzafffarnagar, Mathura, Pratapgarh, Pilibhit, Rampur, Rae Bareilly, Sharanpur, Shahajahanpur, Sitapur, Shravasti, Sultanpur, Unnao districts of Uttar Pradesh & State of Uttaranchal.

    Debt Recovery Tribunal Madurai:-
    The Tribunal has been constituted vide notification G.S.R 15(E) dated the 9th January, 2007. The territorial jusrisdiction of the Hon`ble Tribunal covers Districts of Madurai, Kanyakumari, Tirunelveli, Tuticorin, Virudhunagar, Sivaganga, Ramnad, Theni, Erode, Salem, Namakkal, Trichy, Karur and Dindigul in the State of Tamil Nadu.

    Debt Recovery Tribunal-1 Mumbai:-
    The Tribunal has been constituted vide notification GSR No: 524 (E) dated 16.7.1999. The territorial jusrisdiction of the Hon`ble Tribunal covers City Area of A Ward as defined by Mumbai Municipal Coropration bounded as below excluding areas of Nariman Point :- East : Dock area, Ballard Estate, Shahid Bhagat Singh Road, P.Demello Road West :Marine Drive North : Anandilal Poddar Marg, Lokmanya Tilak Marg South : Colaba.

    Debt Recovery Tribunal-2 Mumbai:-
    The Tribunal has been constituted vide notification GSR No: 945(E) dated 29.12.2000. The territorial jusrisdiction of the Hon`ble Tribunal covers Nariman Point in A ward bounded as south : Arabian Sea & Nathalal Parekh Marg West : Dorabjee Tata Road North : Madam Cama Road East : Maharshi Karve Road and B ward to G Ward ie; excluding the areas of jurisdiction of Mumbai DRT No.1 and excluding Suburban & extended suburban areas of Greater Bombay.

    Debt Recovery Tribunal-3 Mumbai:-
    The Tribunal has been constituted vide notification GSR No: 945(E) dated 29.12.2000. The territorial jusrisdiction of the Hon`ble Tribunal covers Areas of H Ward to T Ward ie; Suburban & extended Suburban areas of Greater Bombay and districts of Thane, Raigad, Ratnagiri and Sindhudurg in Maharashtra state and the state of Goa and any other areas of Mumbai not covered by Mumbai DRT No.1 & Mumbai DRT No.2.

    Debt Recovery Tribunal Nagpur:-
    The Tribunal has been constituted vide notification GSR(E) 945 dated 29-12-2000. The territorial jusrisdiction of the Hon`ble Tribunal covers Nagpur, Bhandara, Gondiya, Amravati, Chandrapur, Yavatmal, Gadchiroli, Akola, Buldhana, Washim & Wardha districts of Marashtra State.

    Debt Recovery Tribunal-1 New Delhi:-
    The Tribunal has been constituted vide notification GSR No: 653 (E) dated 5.7.1994. The territorial jusrisdiction of the Hon`ble Tribunal covers South Delhi District Hauz Khas, Malviya Nagar, Mehrauli, Defence Colony, Lodhi Colony, Kotla Mubarakpur, Lajpat Nagar, Srinivas Puri, Hazrat Nizamuddin, Greater Kailash, Chitranjan Park, Ambedkar Nagar, Kalkaji, Badarpur, Okhla, any other police station which may be existing or created in future in this area.

    Debt Recovery Tribunal-2 New Delhi:-
    The Tribunal has been constituted vide notification GSR No: 947 (E) dated 29.12.2000. The territorial jusrisdiction of the Hon`ble Tribunal covers New Delhi DistrictParliament Street, Mandir Marg, Connaught Place , Tilak Marg, Chanakya Puri, Tughlak Road, any other police station which may be existing or created in future in this area.

    Debt Recovery Tribunal-3 New Delhi:-
    The Tribunal has been constituted vide notification GSR No: 48 (E) dated 18.1.2002. The territorial jusrisdiction of the Hon`ble Tribunal covers Central Delhi District :Darya Gunj, Chandni Mahal, Jama Masjid, Kamala Market, Hauz Quazi, I.P.Estate, Pahar Gunj, D.B.G.Road, Nabi Karim, Karol Bagh, Prasad Nagar, Rajinder Nagar, andy other police station which may be existing or created in future in this area North East Delhi District : Seelam Pur, Gokal Puri, Bhajan Pura, Shahdara, Welcome Colony, Manasaravor Park, Seema Puri, Nand Nagri, any other police station which may be existing or created in future in this area. East Delhi District Kalayan Puri, Trilok Puri, Vivk Vihar, Anand Vihar, Preet Vihar , Shakar Pur, Gandhi Nagar, Krishna Nagar, Geeta Colony, any other police station which may be existing or created in future in this area. North Delhi District : Civil Lines, Timarpur, Roop Nagar, Maurice Nagar Colony, Subzi Mandi, Pratap Nagar, Sarai Rohilla, Bara Hindu Rao, Sadar Bazar, Kashmere Gate, Kotwali, Lahori Gate, Town Hall (Chandni Chowk), any other police station which may be existing or created in future in this areaWest Delhi District Patel Nagar, Anand Parbat , Moti Nagar , Tilak Nagar, Janak Puri, Vikas Puri, Punjabi Bagh, Paschim Vihar, Nangloi, Rajouri Garden, Hari Nagar, Kirti Nagar, any other police station which may be existing or created in future in this areaNorth West Delhi District Sultan Puri, Mangol Puri, Kanjahanwala, Ashok Vihar, Saraswati Vihar, Keshav Puram, Shalimar Bagh, Jahangir Puri, Rohini, Narela, Samaipur Badli, Ali Pur, Mukerjee Nagar, Adarsh Nagar, Model Town, any other police station which may be existing or created in future in this area.

    Debt Recovery Tribunal Patna:-
    The Tribunal has been constituted vide notification GSR No: 325(E) dated 24-1-1997. The territorial jusrisdiction of the Hon`ble Tribunal covers State of Bihar.

    Debt Recovery Tribunal Pune:-
    The Tribunal has been constituted vide notification GSR No: 884 (E) dated 17-12-2001. The territorial jusrisdiction of the Hon`ble Tribunal covers Pune, Satara, Sangli, Kolhapur & Solapur districts of Marashtra State and any other area/district of Marashtra State not included in Mumbai DRT No. 1, Mumbai DRT No. 2 and Mumbai DRT No. 3 and DRTs at Aurangabad and DRT at Nagpur .

    Debt Recovery Tribunal Visakhapatanam:-
    The Tribunal has been constituted vide notification GSR No: 112(E) dated 26-2-2002. The territorial jusrisdiction of the Hon`ble Tribunal covers East Godavari, West Godavari, Guntur, Kirshna, Nellore, Praksam, Srikakulam, Vizianagaram & Vishakapatnam districts of Andhra Pradesh.

    Debt Recovery Tribunal Ranchi:-
    The Tribunal has been constituted vide notification GSR No: 113 (E) dated 26-2-2002. The territorial jusrisdiction of the Hon`ble Tribunal covers State of Jharkhand.

    Are you thinking what the heck this Debts Recovery Tribunal is?? Click here for FAQs on Debts Recovery Tribunal (DRT)

    Click here for FAQs on Attendence of Witnesses before Debts Recovery Tribunal

    Click here for FAQs on Counter Claims before Debt Recovery Tribunal

    And Click here for FAQs on Proclamations for Auctions of Assets by Banks, Debts Recovery Tribunal, Official Liquidator and SFCs

    For further details on the Debt Recovery Tribunal, Procedures before them, judgments of the Debts Recovery Tribunal, or citations or any other matter visit BankDRT.com which is a repository of a wealth of information on the topic.

    Copyright© 2004 , BankDRT -  India - Disclaimer