Articles by Ashok Kakkar

Before You Sign: Understanding Banking and Legal Documents Can Save You Years of Trouble

Posted by Ashok Kakkar 04 June 2026 75 Views

Learn why reading documents before signing is crucial. A practical guide covering loan agreements, guarantees, mortgages, property deals and legal obligations.

Revival of Limitation in Bank Loans: Understanding Balance Confirmation and Revival Letters in Banking Practice

Posted by Ashok Kakkar 29 May 2026 95 Views

Learn the importance of balance confirmation letters and revival letters in banking under the Limitation Act, 1963. Understand how banks preserve recovery rights, extend limitation periods, manage loan documentation, and ensure legal enforceability of debts through acknowledgments, part payments, and timely recovery actions.

Understanding Cross Guarantees: Legal Framework, Corporate Compliance and Banking Perspective

Posted by Ashok Kakkar 28 May 2026 58 Views

Understand the meaning of cross guarantee in banking and corporate finance, its legal basis under the Indian Contract Act, Companies Act compliance, risks, enforceability and implications under IBC.

Residential Plot Loans in India: Understanding Bank Finance

Posted by Ashok Kakkar 27 May 2026 66 Views

Understand residential plot loans in India, including whether banks finance plot purchases without immediate construction plans, RBI guidelines, bank conditions, interest rates, construction timelines, and the risks of investment-oriented land purchases under housing finance schemes.

Understanding Mortgage of Property in India

Posted by Ashok Kakkar 25 May 2026 173 Views

Simple Mortgage vs Registered Mortgage vs Equitable Mortgage explained in easy language. Learn mortgage types, legal rights, MOD, banking process, and borrower obligations in India

DRT vs SARFAESI: Understanding India's Banking Recovery Framework

Posted by Ashok Kakkar 22 May 2026 127 Views

Learn the key differences between DRT, SARFAESI, and IBC in India. Understand bank recovery laws, NPAs, secured assets, and insolvency resolution.

Strategic Recovery Pathways: How Banks Evaluate SARFAESI vs IBC in Stressed Asset Cases

Posted by Ashok Kakkar 18 May 2026 115 Views

Learn how lenders decide between SARFAESI and IBC for NPA recovery. Explore practical banking, insolvency, compliance and recovery considerations.

Practical Banking Perspective: What Lenders Examine Before Sanctioning Loans

Posted by Ashok Kakkar 16 May 2026 129 Views

Understand how banks and financial institutions evaluate loan applications through credit assessment, financial discipline, documentation, KYC compliance, repayment capacity and risk evaluation.

Traditional Litigation Will Always Remain Important but Young Professionals Should Also Prepare for Emerging Legal Fields

Posted by Ashok Kakkar 14 May 2026 70 Views

Explore emerging legal career opportunities in India, including IBC/NCLT, corporate law, cyber law, banking laws, startup advisory, arbitration and AI in legal practice while balancing traditional litigation skills.

CERSAI in India: A Practical Guide for Bankers, Borrowers, Professionals & Students

Posted by Ashok Kakkar 08 May 2026 368 Views

Learn about CERSAI (Central Registry of Securitisation Asset Reconstruction and Security Interest of India), its role in preventing loan fraud, registration of security interests, compliance requirements, and its importance for banks, borrowers, professionals and property buyers in India’s secured lending ecosystem.