Bank ne SARFAESI Section 13(2) ka notice bheja hai? Ghabraayein nahi — aapke paas 60 din hain aur kai kanooni raaste. Neeche notice ki tareekh daalein: objection kab tak bhejna hai, bank kab kabza le sakta hai, DRT appeal ki aakhri tareekh, aur auction sabse jaldi kab. Free, no login.
SARFAESI Notice Timeline
Got a 13(2) demand notice from the bank? See every deadline — last date to object, when the bank can take possession, last date for a DRT appeal, earliest auction date — and whether SARFAESI even applies to you. SARFAESI नोटिस — कौन सी तारीख तक क्या करना है।
Free guide, not legal advice — talk to a lawyer for your case. Based on the SARFAESI Act 2002 (Sections 13(2), 13(3A), 13(4), 13(8), 17, 31) and the Security Interest (Enforcement) Rules 2002 (Rules 8 and 9), and the Supreme Court’s Pro Knits v. Canara Bank judgment (2024) on the MSME revival framework. Days are counted from the date you received each notice. Last checked 3 Oct 2026.
SARFAESI process — step by step
| Step | Kya hota hai | Samay |
|---|---|---|
| 13(2) demand notice | Bank poora bakaya 60 din mein maangta hai | 60 din |
| 13(3A) objection | Aap likhit jawab / objection dete hain; bank ko 15 din mein jawab dena hota hai | 60 din ke andar |
| 13(4) possession | Bank property ka kabza leta hai, notice chipkata hai aur 2 akhbaaron mein chhapta hai | 60 din ke baad |
| Section 17 — DRT | Aap Debts Recovery Tribunal mein challenge kar sakte hain | Possession ke 45 din mein |
| Sale / auction | Valuation ke baad public notice | Sale notice ke 30 din baad se |
| 13(8) redeem | Poora bakaya + kharcha bhar kar property bachayein | Auction notice chhapne se pehle |
SARFAESI kab lagu nahi hota (Section 31)
- Sirf kheti ki zameen girvi ho.
- Bakaya, principal + interest ke 20% se kam ho.
- Security interest ₹1 lakh tak ho.
- Loan unsecured ho (koi girvi nahi) — tab bank ko DRT / civil case karna padta hai.
MSME ho toh ye zaroor karein
RBI aur MSME Ministry ka “Framework for Revival and Rehabilitation of MSMEs” kehta hai ki stress mein aaye MSME account ke liye bank pehle resolution (restructuring / rectification) dekhe. Supreme Court (Pro Knits v. Canara Bank, 2024) ne kaha ki ye framework banks ke liye zaroori hai — par MSME ko khud, samay par, likhit mein (Udyam certificate ke saath) isse maangna hoga. Der se maanga toh SARFAESI nahi rukta.
Galtiyan jo log karte hain
- Notice ko ignore karna — 60 din jaldi nikal jaate hain.
- Notice ke baad property bechna / kiraye par dena — Section 13(13) mein bina bank ki likhit marzi ke mana hai.
- Sirf zubani baat — har jawab registered post / email se, saboot ke saath.
- DRT ki 45 din ki deadline miss karna.
Aksar pooche jaane wale sawaal
SARFAESI 13(2) notice ka jawab kitne din mein dena hai? Notice milne ke 60 din ke andar poora bakaya bharna hai ya Section 13(3A) mein likhit objection dena hai. Bank ko objection ka jawab 15 din mein dena hota hai.
Bank property ka kabza kab le sakta hai? 13(2) notice ke 60 din poore hone ke baad, agar bakaya nahi bhara, bank Section 13(4) mein kabza le sakta hai aur possession notice chhapta hai.
SARFAESI ke khilaaf DRT mein appeal kab tak? Possession (13(4)) ki karyavahi ke 45 din ke andar Section 17 mein Debts Recovery Tribunal mein application.
Auction se pehle property kaise bachayein? Section 13(8) ke anusaar auction ka public notice chhapne se pehle poora bakaya, kharche aur charges bhar kar.
Kya MSME par SARFAESI lag sakta hai? Haan, par MSME pehle “Framework for Revival and Rehabilitation of MSMEs” ke tahat likhit mein resolution maang sakta hai. Supreme Court ke anusaar ise samay par maangna zaroori hai.
Free jaankari, kanooni salah nahi — apne case ke liye vakil se milein. Sources: SARFAESI Act 2002 (Sections 13, 17, 31), Security Interest (Enforcement) Rules 2002, Supreme Court — Pro Knits v. Canara Bank (1 Aug 2024). Last checked 3 Oct 2026.
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