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The Debt Recovery Tribunal (DRT) in India, established under the Recovery of Debts and Bankruptcy Act, 1993, handles cases involving recovery of debts exceeding ₹20 lakhs owed to banks and financial institutions, including defaulted home loans. It also enforces the SARFAESI Act, 2002, allowing banks to seize and sell secured assets, such as mortgaged homes, without court intervention. Borrowers can challenge wrongful possession or auction proceedings in DRT, which ensures time-bound resolution o
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