The bank issued a SARFAESI notice on my Kolkata property; how do I challenge it?

Under the SARFAESI Act, 2002, the bank issues a 60-day notice under Section 13(2) before taking possession of secured assets, and you can file a representation. If the bank proceeds under Section 13(4), you can approach the Debt Recovery Tribunal under Section 17 in Kolkata within 45 days challenging the possession or sale. The DRT can stay the measures if the bank acted irregularly, and appeal lies to the DRAT and Calcutta High Court on law. West Bengal Premises Tenancy Act 1997 does not override SARFAESI, which has an overriding clause. The borrower must deposit 50% of the debt amount before the DRAT for appeal. The bank must follow the rules on valuation and publication of sale. Agriculture land is excluded from SARFAESI. Secured creditors need not approach civil courts.