Debt Recovery Tribunal








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Application to DRT (Debt Recovery Tribunal): Fees, Procedure, and Documents Required


Updated on December 04, 2021 06:02:48 AM

Debt Recovery tribunal deals with the matter of recovery of money due to the bank and financial institutions. DRT looks into matters of money recovery where either party is a bank or financial institution. Cases against banks and institutions are also filed in the DRT, provided that the amount involved is greater than 20 lakhs.

If you are someone looking for the process of filing an application with DRT, or confused where, how, and when such applications can be filed, then you are at the right place. We will explain everything about the debt recovery tribunal, including its fees, branches, jurisdiction, powers, laws, and working procedure.


Debt Recovery Tribunal (DRT)



DRT full form is Debt Recovery Tribunal. This special tribunal was set up in 1993 to resolve the pendency of money recovery cases of the bank by the defaulters. To recover money from the borrowers, banks and institutions can file an application for debt recovery in the DRT. This thing goes both ways. If the defaulter wants to file a case to the bank, then also it comes under the jurisdiction of the debt recovery tribunal.

There are different types of applications that can be filed under the DRT, including OA (Original Application), SA (Securitization Application), IA(Interlocutory Application), MA (Miscellaneous Application).

As of now, there are 39 such DRTs in India. The powers of a DRT are the same as those of a civil court. The main objective of DRT is to reduce the burden from the higher court and provide a speedy recovery in matters of debt payable to banks and financial institutions.

Now, you are aware of the DRT (Debt Recovery Tribunal) so let’s look into the Debt Recovery Appellate Tribunal (DRATs). Both are set up under the Recovery of Debts Due to Banks and Financial Institutions Act ) RDDBFI 1993 to look into debt recovery matters.

Debt Recovery Appellate Tribunal (DRAT)

The Debts Recovery Appellate Tribunals (DRATs) and Debts Recovery Tribunals (DRTs) were established under the Recovery of Debts Due to Banks and Financial Institutions Act (RDDBFI Act), 1993 with the specific objective of providing expeditious adjudication and recovery of debts due to Banks and Financial Institutions.

A person or entity aggrieved by orders of the DRT can appeal against its orders in the Debt Recovery Appellate Tribunal (DRAT). There is one more thing about the DRATs that they don’t entertain the appeal until the party deposits 75% of the amount of debt to the DRAT, so due determined by the DRT.

Branches of DRTs and DRATs



At current, there are a total of 39 DRTs and 5 DRAts in the country. The appeal against DRT can be made to DRAT. The following list enumerates which DRAT is to be approached against the judgment of respective DRTs.

DRAT Chennai
DRT Chennai-1
DRT Chennai-2
DRT Chennai-3
DRT Bangluru-1
DRT Bangluru-2
DRT Coimbatore
DRT Ernakulam-1
DRT Ernakulam-2
DRT Madurai
DRAT Kolkata
DRT Kolkata-1
DRT Kolkata-2
DRT Kolkata-3
DRT Hyderabad-1
DRT Hyderabad-2
DRT Visakhapatnam
DRT Siliguri
DRT Cuttack
DRT Guwahati
DRAT Mumbai
DRT Mumbai-1
DRT Mumbai-2
DRT Mumbai-3
DRT Ahmedabad-1
DRT Ahmedabad-2
DRT Aurangabad
DRT Nagpur
DRT Pune
DRAT Delhi
DRT Delhi-1
DRT Delhi-2
DRT Delhi-3
DRT Chandigarh-1
DRT Chandigarh-2
DRT Chandigarh-3
DRT Jaipur
DRAT Allahabad
DRT Allahabad
DRT Dehradun
DRT Jabalpur
DRT Patna
DRT Ranchi
DRT Lucknow

Debt Recovery Act



RDDBFI Act: Recovery of Debts Due to Banks and Financial Institutions (RDDBFI Act), 1993 is an act to establish Tribunals for expeditious adjudication and recovery of debts due to Banks and Financial Institutions and for matters connected in addition to that or incidental thereto.

SARFAESI Act: Securitization & Reconstruction of Financial Assets & Enforcement of Security Interest (SARFAESI) Act, 2002, regulates securitization and reconstruction of financial assets and enforcement of security interest and for matters connected in addition to that or incidental thereto.

Documents Required for Application to DRT



  1. A statement shows details of the debt due from a Respondent and the circumstances under which such debt has become due.
  2. Any documents relied upon by the applicant and those mentioned in the application.
  3. Details include crossed Bank Draft or Indian Postal Order representing the application fee.
  4. Index of the documents to be produced.

Fees for Filing Application



The fees for filing an application to DRT depend on the amount the case involves. The tribunal levies a fixed per cent of the amount as the fee. This amount can be lowered down by the order of the tribunal (if needed).

Process of Application to DRT



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Frequently Asked Questions



 What is the Debt Recovery Tribunal (DRT)?

 How does the Debt Recovery Tribunal work?

 Who can file applications in DRT?

 Is the Debt Recovery Tribunal a statutory body?

 Can NBFC file OA in DRT?

 Can a borrower approach DRT?