How to File an Application Before the Debt Recovery Tribunal for Filing a Counterclaim in a Debt Suit
How to File an Application Before the Debt Recovery Tribunal for Filing a Counterclaim in a Debt Suit A Procedural and Analytical Study of Section 19 of the Recovery of Debts and Bankruptcy Act, 1993 By Arpita Anand, Intern, Law Vaani Abstract / Introduction When a bank or financial institution drags a borrower before the Debts […]
NPA Resolution under SARFAESI and the Insolvency and Bankruptcy Code
Introduction The resolution of non-performing assets (NPAs) has been one of the defining preoccupations of Indian commercial law over the past decade. India’s banking sector, burdened for years by a mounting stock of stressed assets, has been served by two principal statutory mechanisms operating in parallel: the Securitisation and Reconstruction of Financial Assets and Enforcement […]
FinTech Partnerships Between Banks and NBFCs: Legal and Regulatory Issues
Introduction India’s credit delivery architecture has undergone a quiet but far-reaching transformation over the last decade. Where banks and Non-Banking Financial Companies (NBFCs) once operated largely as competitors, they are today frequently found as collaborators, with financial technology (FinTech) platforms acting as the connective tissue between them. Co-lending arrangements, digital lending apps operating as Lending […]
DIGITAL CURRENCY REGULATION: IMPLICATIONS FOR INDIA
DIGITAL CURRENCY REGULATION: IMPLICATIONS FOR INDIA Abstract: Digital currency is one of the most significant innovations in the financial system all over the world. It refers to the legal frameworks, rules and guidelines imposed by governments and central banks to oversee the overall regulation of electronic money like, trading, storage, usage, etc. This research paper […]
What to Do If a Bank Refuses to Exchange Your Damaged Currency Notes in India?
What to Do If a Bank Refuses to Exchange Your Damaged Currency Notes in India? Understanding RBI Rules, Consumer Rights and Legal Remedies Introduction Currency notes form the backbone of India’s cash-based transactional economy. Given the frequency of circulation, physical deterioration of banknotes through tearing, staining, washing, defacement, or accidental damage is inevitable. In day-to-day […]
Can a Bank Refuse to Open a Basic Savings Account if the Applicant Does Not Have a PAN Card or Aadhaar? – An Analysis of RBI KYC Guidelines
Can a Bank Refuse to Open a Basic Savings Account if the Applicant Does Not Have a PAN Card or Aadhaar? – An Analysis of RBI KYC Guidelines “The first step towards economic empowerment is financial inclusion.” – Reserve Bank of India Introduction Financial inclusion has become one of the primary goals of the Indian […]
What are the legal rules for a bank to auction a mortgaged property if the borrower defaults on a home loan?
What are the legal rules for a bank to auction a mortgaged property if the borrower defaults on a home loan? Abstract The increasing cost of residential property has made home loans an essential source of financial assistance for individuals seeking to own a home. Home loans are generally secured by a mortgage over […]
How can an individual legally claim compensation if their personal financial data is leaked from a bank ?
Introduction Imagine waking up to an alert that your bank account has been compromised, or receiving an anonymous phishing call from someone who mysteriously knows your exact fixed deposit amounts, credit card limits, and recent transaction history.In today’s digital era banks store massive amount of personal and financial data such as account number,transaction […]
Legal Consequences of Leaving a Private Company Before the Bond Period Ends
Breaching an Employment Bond: Legal Consequences of Leaving a Private Company Before the Bond Period Ends and the Legality of Retaining Employee Certificates in India — An Analysis in Light of the Supreme Court’s 2025 Verdict Introduction The rapid expansion of India’s corporate sector and the increasing competitiveness of modern employment markets have led organizations […]
Digital Signature and KYC Requirements for Trademark Filing in India: The 2026 Update
Digital Signature and KYC Requirements for Trademark Filing in India: The 2026 Update Abstract/Introduction Protecting a brand’s unique identity has transitioned entirely into the digital ecosystem in India. The Intellectual Property India (IP India) online system now mandates strict electronic workflows to handle trademark applications efficiently and securely. Central to this modernized framework are Digital […]