Specialist Debt Recovery — Pan-India
A specialist practice covering every statutory forum for high-value debt recovery in India — DRT, SARFAESI, IBC, NI Act Section 138, banking NPA, consortium loan recovery, panel-counsel empanelment, and sectoral NPA work. Practice has handled 500+ DRT appearances across all 39 Debt Recovery Tribunals and all 5 DRATs in India. Panel-ready for scheduled commercial banks, NBFCs, ARCs, HFCs, and DFIs.
India's leading DRT counsel for institutional creditors. Section 19 RDDB Act Original Application filing, Section 19(7) interim attachment orders, Recovery Certificate execution before Recovery Officers, and DRAT appellate practice. Practice has handled 500+ appearances across all 39 Debt Recovery Tribunals and all 5 DRATs.
Learn MoreSpecialist SARFAESI counsel for both lender enforcement and borrower defence. Section 13(2) demand notice, Section 13(4) symbolic and physical possession, Section 14 DM / CMM applications, e-auction conduct, and Section 17 DRT challenge.
Learn More03IBC counsel for institutional creditors before NCLT and NCLAT. Section 7 CIRP petitions for financial creditors, Section 9 for operational creditors, Section 95 personal guarantor proceedings, CoC representation, and resolution plan evaluation.
Learn More04Section 138 NI Act 1881 prosecution for high-value cheque dishonour. Statutory demand notice under Section 138(b), Magistrate complaints, Section 143A interim compensation (up to 20% of cheque value), Section 141 director liability.
Learn More05End-to-end NPA recovery counsel for banks, NBFCs, ARCs, HFCs, and DFIs. Multi-track strategy combining DRT proceedings, SARFAESI enforcement, IBC reference, and structured One-Time Settlement (OTS) negotiations.
Learn More06Panel-counsel ready for scheduled commercial banks (PSBs and private), foreign banks operating in India, NBFCs (including NBFC-SBR layered), ARCs, HFCs, and DFIs. Empanelment package with all 39 DRT coverage.
Learn More07Specialist counsel for ₹500 crore+ consortium-loan recovery. JLF (Joint Lenders Forum) representation, Inter-Creditor Agreement (ICA) drafting, lead-bank coordination, and parallel SARFAESI / DRT / IBC strategy aligned with the RBI Prudential Framework.
Learn More08Sector-specific NPA recovery across real estate (RERA-DRT interface), aviation lease default (Cape Town Convention, IDERA), infrastructure project NPA (PPP / concession), steel sector NPA, and power sector NPA (Discom / Genco / PPA disputes).
Learn MoreSpecialist Criminal Defence — Delhi NCR
A focused white-collar criminal defence practice for Delhi NCR — PMLA, Enforcement Directorate, CBI, Economic Offences Wing, anticipatory and High Court bail, and bank-fraud matters. Built on the firm's debt-recovery foundation: many white-collar matters before the Delhi High Court today originate as banking events. Senior Partner-led, integrated with the firm's civil litigation work for matters that traverse civil and criminal forums.
Enforcement Directorate proceedings under the Prevention of Money Laundering Act 2002 — Section 50 examination, Section 19 arrest, Section 5 attachment, Section 8 adjudication, and Section 45 twin-test bail. Working framework anchored in Vijay Madanlal Choudhary (2022) and Pankaj Bansal (2024).
Learn MorePMLA · FEMA · FEOA — multi-statute defence across Pravartan Bhawan investigations, Adjudicating Authority, Appellate Tribunal SAFEMA, Delhi High Court bail, and Supreme Court SLP. Both criminal and civil-adjudicative tracks.
Learn More03PC Act 1988 prosecutions, bank-fraud FIRs, Section 17A approval challenges, Section 528 BNSS quashing under Bhajan Lal categories. Trial defence at CBI Special Courts at Patiala House and Rouse Avenue.
Learn More04Pre-arrest protection under Section 482 BNSS (Sushila Aggarwal Constitution Bench framework) and post-arrest bail under Section 483 BNSS at the Delhi High Court (Antil categories applied). Special-Act bail bars: PMLA §45, NDPS §37, UAPA §43D.
Learn More05CBI bank-fraud FIRs, RBI Master Direction on Frauds classification (post-SBI v. Rajesh Agarwal natural justice framework), wilful-defaulter declarations, and parallel PMLA attachments. Natural extension of the firm's DRT and SARFAESI practice.
Learn More06Corporate fraud, director liability, SFIO investigations, and prosecutions under BNS Sections 316 (CBT), 318 (cheating), 336 (forgery), and Companies Act §447. EOW Delhi Police defence and Section 138 NI Act portfolios.
Learn More“Two specialist practices, one institutional discipline. Debt recovery and white-collar criminal defence are statute-driven domains that reward depth over breadth — and most matters at the Delhi High Court today touch both.”
Advocate Subodh Bajpai founded Unified Chambers and Associates with a focused practice in institutional debt recovery. That focus has translated into appearances across all 39 Debt Recovery Tribunals, every DRAT, the NCLT, the Delhi High Court, and the Supreme Court of India.
The firm has since extended into white-collar criminal defence — PMLA, ED, CBI, EOW, and bank-fraud matters — built on the firm's existing banking-litigation foundation. Many criminal matters before the Delhi High Court today originate as banking events; counsel who already understand the underlying SARFAESI, IBC, and DRT proceedings carry contextual fluency that pure-criminal counsel often lack.
His dual postgraduate credentials — an LLM in law and an MBA in Finance from XLRI Jamshedpur — give both practices a rare analytical edge. Banking documentation, NPA classifications, financial covenants, security structures, money-laundering investigations, and the Section 45 PMLA twin-test are understood not just legally, but commercially.
Why Unified Chambers
100% focused on debt recovery. No dilution.
Every matter handled by senior advocate, not juniors.
39 DRTs, 5 DRATs, all High Courts.
Specialist debt recovery practice, focused exclusively since enrolment.
Our Team & Court Presence
Our team of advocates is enrolled with the Bar Council of Delhi and state bar councils across India, practising exclusively in debt recovery, banking, and insolvency law.
Our associates regularly appear before the Delhi High Court and other High Courts in writ petitions, banking appeals, and recovery matters under SARFAESI and RDDB Act.
We have an Advocate on Record (AOR) associated with the firm for appellate matters before the Supreme Court of India in debt recovery and banking proceedings.
Advocate Subodh Bajpai: LLB · LLM · MBA (XLRI Jamshedpur) · MA (Political Science). Dual legal and financial expertise leading every engagement.
All India Coverage
70+ cities covered across India
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View All →Every mandatory content requirement, five common defects that void enforcement, correct service procedure, and strategic drafting advice for secured creditors.
The landmark Constitution Bench judgment on SARFAESI validity and Section 17 remedy.
Supreme Court on secured creditor priority in IBC resolution plans and CoC commercial wisdom.
About Unified Chambers
Frequently Asked Questions — Debt Recovery & Criminal Defence
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