The Debts Recovery Tribunals (DRTs) and Debts Recovery Appellate Tribunals (DRATs) were established under the Recovery of Debts and Bankruptcy Act (RDB Act), 1993 with the specific objective of providing expeditious adjudication and recovery of debts due to Banks and Financial Institutions.
At present, 39 Debts Recovery Tribunals (DRTs) and 5 Debts Recovery Appellate Tribunals (DRATs) are functioning across the country. Each DRT and DRAT are headed by a Presiding Officer and a Chairperson respectively.
Debt Recovery Laws
Recovery of Debts and Bankruptcy (RDB Act), 1993 is an Act to provide for the establishment of Tribunals for expeditious adjudication and recovery of debts due to Banks and Financial Institutions and for matters connected therewith or incidental thereto.
Securitization & Reconstruction of Financial Assets & Enforcement of Security Interest (SARFAESI) Act, 2002 is an Act to regulate securitisation and reconstruction of Financial Assets and enforcement of security interest and for matters connected therewith or incidental thereto.
Debts Recovery Tribunals and Debts Recovery Appellate Tribunals
The Debts recovery Tribunals (DRTs) and Debts Recovery Appellate Tribunal (DRATs) have been established under RDB Act, 1993 with the specific objective of providing expeditious adjudication and recovery of debts due to Banks and Financial Institutions.
At present, 39 DRTs and 5 DRATs are functioning across the country. Each DRT and DRAT are headed by a Presiding Officer and a Chairperson respectively.
DEBTS RECOVERY APPELLATE TRIBUNALS (DRATs)
The Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) provides speedy redressal to lenders and borrowers through filing of Original Applications (OAs) in Debts Recovery Tribunals (DRTs) and appeals in Debts Recovery Appellate Tribunals (DRATs).
The Securitisation and Reconstruction of Financial Assets & Enforcement of Security Interest Act, 2002 (SARFAESI Act) provides access to banks and financial institutions covered under the Act for recovery of secured debts from the borrowers without the intervention of the Courts at the first stage. Securitisation Appeals (SAs) can be filed with the DRTs by those aggrieved against action taken by secured creditors under the SARFAESI Act.
There are 39 DRTs and 5 DRATs, which are single Member Tribunals. The jurisdiction of DRATs and list of DRTs is as below:
Tribunal Jurisdictions
DRAT Allahabad (Jurisdiction over 6 DRTs)
| DRT Allahabad | DRT Dehradun | DRT Jabalpur | DRT Lucknow |
| DRT Patna | DRT Ranchi | ||
DRAT Chennai (Jurisdiction over 9 DRTs)
| DRT Chennai-1 | DRT Chennai-2 | DRT Chennai-3 | DRT Bengaluru-1 |
| DRT Bengaluru-2 | DRT Coimbatore | DRT Ernakulam-1 | DRT Ernakulam-2 |
| DRT Madurai | |||
DRAT Delhi (Jurisdiction over 7 DRTs)
| DRT Delhi-1 | DRT Delhi-2 | DRT Delhi-3 | DRT Chandigarh-1 |
| DRT Chandigarh-2 | DRT Chandigarh-3 | DRT Jaipur |
DRAT Kolkata (Jurisdiction over 9 DRTs)
| 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 (Jurisdiction over 8 DRTs)
| DRT Mumbai-1 | DRT Mumbai-2 | DRT Mumbai-3 | DRT Ahmedabad-1 |
| DRT Ahmedabad-2 | DRT Aurangabad | DRT Nagpur | DRT Pune |
e-DRT project
The e-DRT project has been implemented in all DRTs and DRATs. This project aims to bring in improved access, efficiency and transparency. e-DRT provides access to e-filing, e-payment of fees, cause list generation and a case information system that enables viewing of case status, orders and judgments.