⚖️ Punjab & Haryana High Court · DRT Chandigarh BCI RULE 36 COMPLIANT
📞 +91 83606-96178
Adv. Shakti Kumar Jain — Real Portrait, LL.B. Gold Medallist, CAIIB, Retired Senior Manager SBI SAMB, Practicing Advocate

Ex-SBI SAMB Officer

Practicing Advocate

CAIIB LL.B. B.Com (Hons.)
Institutional Background

Adv. Shakti Kumar Jain — Bridging Banking Operations & Legal Defense

SARFAESI Consultant is led by a former Senior Officer of the State Bank of India (SBI) Stressed Assets Management (SAM) Branch who brings 35+ years of hands-on institutional banking experience in resolving distressed corporate and commercial loans, now actively practicing as an Advocate before the Punjab & Haryana High Court and the Debt Recovery Tribunals (DRT).

In high-value banking disputes (₹5 Cr+), effective counsel requires understanding both sides of the table: how banks structure sanction letters, calculate accrued contractual interest versus penal interest, classify NPAs under RBI IRAC guidelines, draft Section 13(2) demand notices, and obtain Section 14 physical possession orders from District Magistrates.

This rare dual perspective enables analytical rigor — identifying statutory defects in bank notices, structuring viable One-Time Settlement (OTS) proposals that fit bank delegated authority policies, and providing honest, objective assessments without speculative assurances.

Professional Qualifications & Statutory Background

Verified academic and professional credentials recorded under BCI Rule 36 discipline.

Legal Qualifications

Bachelor of Laws (LL.B.) · Enrolled with the Bar Council of Punjab & Haryana. Active practitioner before the High Court of Punjab & Haryana at Chandigarh, DRT-1, DRT-2, DRT-3 Chandigarh, and appellate tribunals.

Banking Certification

Certified Associate of the Indian Institute of Bankers (CAIIB). Comprehensive mastery of credit appraisal, recovery management, consortium lending, and Reserve Bank of India (RBI) Prudential Regulations.

Stressed Assets Branch (SAMB)

Retired Senior Manager from SBI Stressed Assets Management Branch (SAMB). Managed extensive portfolios of Non-Performing Assets, recovery suits under RDDB Act, and enforcement proceedings under the SARFAESI Act 2002.

Strict Compliance with Bar Council of India Rule 36

Under Part VI, Chapter II, Rule 36 of the Bar Council of India Rules, advocates are prohibited from advertising or soliciting work. In strict compliance:

  • We publish no self-laudatory superlatives, success percentages, or assurances.
  • We display no commercial client endorsements or testimonials.
  • All content on this portal is published strictly for academic and informational reference.
  • Consultations are conducted voluntarily upon specific client inquiry.
  • We serve high-value accounts (exposure ₹5 Cr+) to maintain institutional focus.