SARFAESI Act Kya Hai? Jaane Kaise Bina Court Jaaye Bank Aapki Property Auction Kar Sakta Hai

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Kya aap jaante hai ki agar aap apne home loan ki EMI default karte hai, to bina court ke permission ke bhi bank aapki property ko kabza me le kar auction kar sakta hai? (Bank auction property without court)


Agar nahi, to yeh article aapke liye bahut zaroori hai. Aaj hum detail me baat karenge SARFAESI Act 2002 ke baare me – iske process, legal rights, aur kaise aap apni property bacha sakte ho.



SARFAESI Act 2002: Pura Naam Aur Basic Jankari -SARFAESI Act kya hai -

SARFAESI ka full form hai:
Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002

Yeh Act banks aur financial institutions ko yeh power deta hai ki agar koi borrower secured loan ki repayment nahi karta, to bank bina court jaaye uski property ko seize (kabza) karke auction kar sakta hai.

SARFAESI Act Ki Jarurat Kyu Padi?

1990 ke baad India me badhte loan defaults aur court cases ki wajah se banks ka recovery system bahut slow ho gaya tha. Iska direct impact Indian economy pe pad raha tha.

Key Reasons:

  • Court process slow thi
  • Bade-bade business houses default kar rahe the
  • Bank ka paisa fas raha tha

·         Loan default consequences India

 


Is problem ka solution nikala gaya SARFAESI Act ke zariye. Isse bankon ko fast-track recovery ka power mil gaya.

SARFAESI Act Kin Loans Par Lagu Hota Hai? -

Sirf secured loans par:

  • Home Loan
  • Loan Against Property
  • Car Loan
  • Gold Loan (stored with bank)

Unsecured loans (jaise Credit Card, Personal Loan) Default ke liye SARFAESI Act lagu nahi hota. Uske liye bank ko civil court me case file karna hota hai.

Kaunse Conditions Me SARFAESI Act Lagu Hota Hai? Home loan NPA rights

Bank tabhi SARFAESI Act lagu kar sakta hai jab:

  1. Loan 90 din tak unpaid rahe (i.e. 3 EMI default ho) RBI ki guidline ke anusar.
  2. Loan amount ₹1 lakh se zyada ho
  3. Total outstanding secured loan 20% se kam na ho.

Important Exceptions:

  • Agar due amount ₹1 lakh se kam hai → SARFAESI Act lagu nahi hota
  • Agar borrower ne principal amount ka 80% repayment kar diya ho → Act lagu nahi hota
  • Agar unsecured loan default hua ho, aur secured loan regular ho → Secured loan pe act lagu nahi hota

Bank Ka Galat Upyog: Ek Real Case Study


Mere ek dost ke saath kuch aisa hi hua:

  • Uska credit card aur home loan dono ICICI Bank me tha
  • Credit card default hua, home loan regular chalu tha
  • Bank ne dono account ko NPA declare karke SARFAESI Act lagu kar diya

Galti kya thi?
Usne bank ke kisi notice ka likhit jawab nahi diya. Sirf verbally bat ki, jiska koi proof nahi tha.

Result ye aya:

  • Section 13(2) ka demand notice ignore
  • Section 13(4) me property seizure
  • Section 14 me District Magistrate ke through possession notice

Agar usne writing me jawab diya hota to yeh naubat nahi aati.

SARFAESI Act Ka Process Step-by-Step - SARFAESI process Hindi and Section 13(2), 13(4), 14 explained

Step 1: Section 13(2) – Demand Notice

  • Bank borrower ko likhit notice bhejta hai
  • 60 din ka samay diya jata hai due clear karne ke liye

Step 2: Section 13(4) – Possession Notice

  • Agar 60 din me repayment nahi hoti, to bank kabza le sakta hai

Step 3: Section 14 – Magistrate Action

  • Bank magistrate se police force maang sakta hai
  • Forcefully property se borrower ko hata diya jata hai

Aap Kya Kar Sakte Ho?

  1. Har notice ka likhit jawab de proof ke saath
  2. Legal notice ka record rakhe
  3. Agar galat tarike se SARFAESI lagu ho to DRT me appeal kare
  4. Mental harassment ke liye Civil Court me compensation claim kare

Real Case Study Se Kya Seekh Milti Hai?

  • Bank secure aur unsecured accounts ko mix nahi kar sakti
  • SARFAESI Act ka misuse legal challenge kiya ja sakta hai
  • Har notice ka written reply jaroori hai
  • Aap apni property bachane ke liye legal rights ka upyog kar sakte ho

Antim Vichar: Apne Adhikaron Ko Samjhe Aur Har Notice Ka Likhit Jawab De NPA notice reply format


 

SARFAESI Act ek powerful law hai jo bankon ko fast recovery ke liye help karta hai. Lekin kai baar iska galat istemal bhi hota hai. Aapko har step pe aware rehna hoga, apna legal right samajhna hoga, aur har notice ka jawab likhit roop me dena hoga.

Aapka ek jawab, aapki property ko auction hone se bacha sakta hai..

How to save house from bank auction

Credit card default SARFAESI

Maine is article apne knowledge ke hisaab se zyada se zyada jankari dene ki koshish ki hai, agar kuch baaki rehta ho ya aap apne sujhav dena chahte ho to aap comment ker sakte hai ya humara contact bhi kr sakte hai.

Agar aapko ye article pasand aya hot aap apne dosto aur ristedaro sathe ye mahatvapurna jankari share kar sakte hai.

 

Dhanyavad, jai hind

Namaste! Mera naam Jaydip Solanki hai. Main pichhle 12 saalon se accounting aur finance ke kshetra mein kaam kar raha hoon. Is blog Rupigyan.online ke madhyam se main apna personal aur professional anubhav aap sab ke saath share karta hoon, jisme aapko milenge: Finance aur personal budgeting tips Stock market aur investments ki jankari Loans, credit card aur insurance se judi useful baatein Indian taxation aur finance laws ka simplified gyaan Mera lakshya hai ki main har vyakti tak sahi aur saral bhasha mein financial knowledge pahuchaaun, taaki wo apne arthik nirnay khud le sakein – bina kisi confusion ke. Rupigyan – Rupi ka Gyan, Hindi me Asaan.

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