Legal Awareness & Social Welfare

Facing Bank Auction or NPA Notice?

VKDL NPA Advisory Council is a Section 8 non-profit organization dedicated to legal education, social welfare, and providing factual information regarding the SARFAESI Act, Debt Recovery Tribunals (DRT), and NPA classifications.

200+

Borrowers Advised

16+

Years Experience

100%

Confidential

Educational Notice

Understanding SARFAESI Notices

  • 13(2) Notice: Informational overview of the 60-day response period under the Act.
  • 13(4) Notice: Pertains to symbolical possession and procedures for appealing in DRT.
  • E-Auction Notice: General information on the legal processes surrounding bank auctions.
V.K. Dubey
16+ Years of Experience
About the Organization

VKDL NPA Advisory Council

A Not-for-Profit Initiative (Section 8 Company)

VKDL NPA Advisory Council is formed under Section 8 of the Companies Act, 2013. Our primary objective is the promotion of legal education, social welfare, and awareness regarding the banking and debt recovery laws in India. All activities are conducted on a not-for-profit basis, and any income or profits generated are applied solely towards the promotion of our educational and charitable objects. No part of the income is distributed as dividends to its members.

About Our Chairman: Vinay Kumar Dubey

Vinay Kumar Dubey (V. K. Dubey) is a Mumbai and New Delhi-based legal professional with over a decade of experience in Civil, Criminal, Banking, Corporate, Insolvency, and NPA Advisory matters. He regularly appears before the Supreme Court of India, Bombay High Court, DRT, NCLT, and various trial courts, representing clients in complex banking and commercial disputes.

He is the Chairman of VKDL NPA Advisory Council, Founder & Chairman-cum-Managing Director of V K Dubey Associates and VKDL Corporation LLP, and also leads United Legal. He serves as a Member of the Hindi Advisory Committee under the Government of India and as a Special Executive Officer (SEO) appointed by the Government of Maharashtra.

A dedicated philanthropist, he leads several charitable organizations focused on legal aid, education, healthcare, and social welfare. His contributions have earned him prestigious recognitions, including the Popular Civilian Icon of India Award and international felicitation at the 2nd International Bar & Bench Badminton Championship, London.

Legal Awareness
Social Welfare
Borrower Rights Activist
Public Education
Our Objectives

Educational Initiatives & Areas of Study

We aim to demystify complex banking laws and procedures for the general public.

DRT Procedures

Information regarding the functioning of Debt Recovery Tribunals and the process under Section 17 of the SARFAESI Act.

SARFAESI Rules

Educational resources on the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002.

Settlement Frameworks

Studying the structural parameters of One-Time Settlements (OTS) and RBI guidelines on compromised settlements.

Borrower Rights

Awareness campaigns on the statutory rights of borrowers and guarantors under the Indian legal framework.

Public Resources

Legal Awareness & Visual Guides

Study our visual educational guides to understand how assets get classified as NPA, what rights exist under Section 13(2), and procedural remedies.

How Assets Become NPA Guide
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How Assets Become NPA

Timeline showing loan disbursement, arrears accumulation, and final NPA declaration.

Section 13(2) Notice Information Guide
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Section 13(2) Notice Info

Learn about the 60-day response window and statutory objection processes.

NPA Frameworks Guide
Expand Guide

Understanding NPA Frameworks

A chart outlining the legal statutes and tribunals related to stressed loans.

Settlement and Recovery Procedures
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Recovery & Settlement

Information on procedural recovery versus structured settlement frameworks.

Community Feedback

Voices of Those We've Guided

Hear from individuals who received legal education and guidance on their NPA situations from our council.

"VKDL Advisory Council provided crucial guidance when we received our notice. Understanding our rights under Section 13(4) helped us navigate the tribunal process effectively."

"The educational resources on One-Time Settlements (OTS) were eye-opening. We learned how structured settlements work and could approach our situation with much more clarity."

"We were completely lost regarding the e-auction process. The awareness campaigns and visual guides from the Council clarified the procedural steps and our statutory rights."

"The legal awareness camp in our district was incredibly helpful. It shed light on SARFAESI act notices and helped me secure the time I needed for a proper settlement."

"VKDL Advisory Council's guidance on DRT proceedings saved my business. Their focus on educating borrowers about structured settlements is truly commendable."

"I had no idea about the difference between standard recovery and OTS. The visual guides provided by the council made complex banking laws very easy to understand."

"The support we received during our NPA classification was invaluable. Knowing our exact statutory rights as borrowers completely changed how we approached the situation."

Get In Touch

Submit Your Details for Guidance

If you are facing NPA or SARFAESI actions, provide your details below. Our team will help you understand the legal procedures and your statutory rights.

Support Our Cause

Your contributions help us conduct more awareness programs.

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Connect With Us

Contact Information

Reach out to us for general information, legal awareness programs, or organizational queries.

VKDL NPA Advisory Council

A Section 8 Not-for-Profit Organization for Social Welfare and Legal Education.

Delhi Office (Registered)

09, 3RD FLOOR, REGAL BUILDING,
CONNAUGHT PLACE, NEW DELHI,
DELHI - 110001, IN

Contact: +91 8090615595 / 85880 55595

Mumbai Office

306, Morya Grand, New Link Road,
Opp. Infiniti Mall, Next to Mainland China,
Andheri (West), Mumbai - 400053.

Contact: +91 8291271245 / 8090616695

Operating Hours

Monday - Saturday: 10:00 AM - 07:00 PM
Sundays: Closed

VKDL NPA Advisory Council

09, 3rd Floor, Regal Building, Connaught Place, New Delhi - 110001

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