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Objective of the Course

The banks and financial institutions offer loans and advances for the need of the borrower. These loans are often secured with assets. The incapacity of the borrower to repay the loan many a times poises difficulty on the banks and financial institutions to survive. This money which is being lent is pubic money and if the chain of continuity breaks the monetary circulation is affected and in turn the economy.

The assets which were mortgaged to lend money by the banks and financial institutions, they are difficult to be sold and recover money owing to the fact that the assets are under the ownership of the borrower and he holds the title of it. The right to property being a constitutional right and failure to repay loans by borrowers owing to different circumstances did not allow the banks to sell the property easily. This requirement brought the enactment of SARFAESI Act,2002. Now the banks and financial institutions can create charge on the assets and thereby create security of it.

This course will individually deal with the provisions of SARFAESI Act, 2002, the Security Enforcement Rules, 2002 and DRT Act and Rules in light of the benefit of borrower and secured creditor with regard to the provisions of the abovementioned Act and Rules. 

The course has categorically analysed the various provisions in light of the Supreme Court of India and various High Courts and Debt Recovery Tribunals and Debt Recovery Appellate Tribunals.

The course has been designed to meet the requirement of both banks as well as borrowers. The representative of banks will understand the points which will enable them to bring merits for the recovery to be easy and on the other side the representatives of the borrower will get insight on the points which will enable them to protect their assets in case there is violation of the statutes and mandates by Supreme Court of India along with Reserve Bank of India. A careful and proper understanding of the subject will help a lot to each one of them in planning their cases. The students who are new to the practical field will get confident on the subject.

Studying this course the following persons will be benefited:

  • The advocates who are practicing in different courts and willing to practice in DRTs and DRATs will be easily dealing in cases related to the recovery of debts on the subject matter.
  • The students who are studying law and willing to make a remarkable practice in DRTs and DRATs.
  • The law officers of several banks who are keen to have an insight on SARFAESI Act owing to the fact that this subject is the most sought after in the banking industry.
  • The students who are studying other subjects of law related to the finance and banking
  • The people who are in litigation for recovery of debts

Other important information about this ONLINE Course 

  • Maximum Duration to complete the Course: 3-Months
  • Course Fees: Rs. 7,500/- (Several Payment Options Available: Credit & Debit Cards, Cheque, Demand Draft, Cash, Wire Transfer – NEFT, PayTM)
  • Online Evaluation Method: Based on “Multiple Choice Question (MCQs)” and an “Assignment Submission” of 500 words.
  • The score of the online examination will be taken as final result and Grade will be assigned as per the following scheme: Grade A – 80-100, Grade B – 65-79, Grade C – 50-64, Reattempt – Below 50
  • Next Batch: Each IALM course starts immediately after payment. Students can register online for the course any time. Upon payment of fees and registration, the present Course will start immediately. 

Type Lesson Title Time
Preamble, Purpose of Enactment 6 Hrs
Mortgage, Classification, Charge, Hypothecation, Pledg 6 Hrs
Securetisation 5 Hrs
What is NPA, NPA how made, prerequisites before classif 6 Hrs
Enforcement of security interest (sec13) 6 Hrs
Section 13(2) - notice of 60 days 6 Hrs
Representation by borrower whether confers right to com 6 Hrs
One Time Settlement Scheme 5 Hrs
Establishment of Tribunals under the Act and Modes of R 6 Hrs
Fees to approach DRT and Appeal to Appellate Tribunal 5 Hrs

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