loan default Archives | Adv. K Rajesh Kannan

A closed loan file with a settlement letter under a brass paperweight, a calculator, a fountain pen and a small wooden house model

September 27,2026

One Time Settlement of a Bank Loan in Kerala (OTS): How It Works

How a one time settlement of a bank loan works in Kerala: when banks agree to OTS, the RBI rules, preparing a proposal, the sanction letter and its default clause, CIBIL, guarantors and getting your title deeds back.

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A formal notice and envelope under a brass paperweight beside a small wooden house model, a house key and a calculator

September 25,2026

Banking Law

Received a SARFAESI Notice? What Borrowers in Kerala Can Do

What a SARFAESI demand notice means, the 60-day window, how to object, when the bank can take possession or auction your property, and the remedies before the DRT Ernakulam and the High Court of Kerala.

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An open revenue ledger and a demand notice with a brass rubber stamp, receipts and rupee coins

September 25,2026

Banking Law, Constitutional Law

Revenue Recovery Notice in Kerala: What It Means and What You Can Do

Why banks, KSFE, co-operative societies and government departments in Kerala recover dues through the Revenue Recovery Act, what the notices mean, attachment and sale of property, instalments and settlements, and when to challenge the proceedings.

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loan default

One Time Settlement of a Bank Loan in Kerala (OTS): How It Works

Received a SARFAESI Notice? What Borrowers in Kerala Can Do

Revenue Recovery Notice in Kerala: What It Means and What You Can Do

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