Corporate Distress, Debt Restructuring & Defense Governance
When a corporate enterprise or Small & Medium Enterprise (SME) faces temporary cash-flow disruption, banks and financial institutions often resort to aggressive non-performing asset (NPA) classification and statutory recovery measures under the SARFAESI Act 2002 and IBC 2016. Without timely legal-financial intervention, companies risk operational shutdown, Section 14 physical property seizures, and criminal complaints before EOW or CBI.
1. Pre-NPA Intervention & Debt Restructuring
Strategic legal intervention prior to 90-day default classification. Audit of bank account statements against RBI Prudential Norms, SMA account normalization proposals, and structured restructuring plans under RBI June 7 Prudential Framework.
2. EOW & CBI Bank Fraud Defense
Specialized defense representation for Corporate Directors, Promoters, and Partners in Economic Offences Wing (EOW) and CBI investigations initiated by banks regarding alleged loan diversion, fraud classification under Master Directions, or forensic audit disputes.
3. ⭐ Hand-Pick Total Ownership Corporate Advisory
Complete end-to-end legal-financial oversight personally led by Adv. Shakti Kumar Jain. Includes total ownership of bank negotiation, Section 13(3A) statutory objections, OTS compromise formulation, Section 14 DM physical possession stay defense, and NCLT Section 7/9/10 insolvency representation.
Corporate Legal Authority: Adv. Shakti Kumar Jain
B.Com, CAIIB, LL.B. (Gold Medalist) | Ex-SBI SAM Branch Senior Officer.
35 years core banking experience providing strategic legal defense for Companies, SMEs, and Corporate Directors facing bank recovery action across Chandigarh, Punjab, Haryana, HP, and J&K.
Corporate & SME Legal Advisory FAQs
Can a bank declare a corporate account as Fraud without giving a hearing?
No. The Supreme Court of India in State Bank of India v. Rajesh Agarwal (2023) held that audi alteram partem (opportunity of hearing) must be granted to corporate borrowers before classifying their account as fraud under RBI Master Directions.
What is the Hand-Pick Total Ownership Corporate Advisory?
It is a premier, hand-picked legal advisory model where Adv. Shakti Kumar Jain assumes complete personal ownership of all legal, technical, and financial defense strategies for a corporate entity dealing with multiple bank consortiums, DRTs, NCLT, and law enforcement agencies.
