Securitization & Asset Reconstruction

The Indian financial landscape has seen a critical focus on mechanisms for managing financial distress and resolving non-performing assets (NPAs). SDS Advocates possesses specialized and deep expertise in advising a wide range of stakeholders, including leading financial institutions, public and private sector banks, non-banking financial companies (NBFCs), asset reconstruction companies (ARCs), and investors, on complex transactions governed by the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002, and other relevant regulatory frameworks.

We assist secured creditors in enforcing security interests through possession and sale of secured assets, and represent them before Debt Recovery Tribunals (DRTs). Our team advises on the formation and compliance of Asset Reconstruction Companies, guides ARCs and investors in acquiring NPAs, and drafts key securitization and loan transfer documentation. We also provide legal strategies for asset resolution, including one-time settlements and restructuring mechanisms tailored to client needs.

Our practical and detailed advisory under the SARFAESI Act ensures that both creditors and borrowers understand their rights and obligations, fostering effective recovery and dispute management. With a strong understanding of financial laws and sector-specific complexities, SDS Advocates delivers end-to-end support in resolving distressed debt scenarios and securing favourable outcomes for all stakeholders.