Kolkata is our home base and the centre of most of the matters we handle. The city hosts three Debt Recovery Tribunal benches — DRT-I, DRT-II and DRT-III — which hear bank and NBFC recovery matters for borrowers across West Bengal and neighbouring states, and Securitisation Applications under Section 17 of SARFAESI are filed and argued here. Local borrowers deal with a wide mix of lenders: nationalised banks such as State Bank of India, UCO Bank, Indian Bank (formerly Allahabad Bank) and Punjab National Bank, private banks, Bandhan and Ujjivan among others, plus a large microfinance and small-ticket NBFC presence. Common issues include multiple overlapping personal and business loans, recovery calls and visits, disputed interest and charges on loan accounts, CIBIL report errors after settlement or closure, and property-linked loans where a notice has been issued. Many clients also arrive with DRT notices or auction notices and need help organising documents and tracking deadlines. Our work here is coordination and preparation — reviewing statements, mapping liabilities, drafting grievances, and, where legal representation is required, engaging an appropriate legal professional separately. Nothing on this page is a promise of a particular outcome; results depend on facts, documents and the lender's response.
Services
Support available in Kolkata
Choose a service to read more, or start with a free consultation and we will guide you to the right one.
Loan Account Analysis
Review loan statements, outstanding balances, interest and charges with an organized eye.
Debt Management Guidance
Structured guidance to understand multiple loans, EMIs and total liabilities together.
Recovery Pressure Support
Guidance to document recovery calls, messages, visits and communication calmly.
Bank / NBFC Grievance Support
Assistance with complaint preparation, submission and escalation processes.
Repayment Planning
Practical guidance on repayment and resolution options available to you.
Settlement / OTS Support
Support in understanding settlement proposals and related documentation.
CIBIL / Credit Report Support
Understanding credit reports and addressing disputed or incorrect entries.
DRT Support
Organized support for DRT notices, deadlines, documents and next steps.
Mortgage & Secured Loan Support
Structured support for mortgages, home loans, loans against property and other secured loans.
Recovery for Businesses
Receivables recovery for corporates, suppliers, vendors and SMEs with unpaid dues.
Retained Legal Support
Monthly plans that give businesses day-to-day legal support without matter-by-matter fees.
Frequently asked
Local questions from Kolkata
Consultations are handled by phone, WhatsApp and video call, and in person by appointment. We do not claim a walk-in branch; the first conversation is free and confidential, and you can share documents digitally. This keeps support accessible without travel.
Kolkata has DRT-I, DRT-II and DRT-III. Which bench applies depends on the lender, the loan and the notice you received. We help you read the notice, identify the bench, organise evidence and track deadlines. A legal professional is engaged separately if representation is required.
Yes. We map every loan, EMI and liability into one view, document recovery calls and messages, and guide a calm written response. Outcomes depend on your facts and the lender's position; we do not promise reductions or waivers.
For home loans, loans against property and other secured lending we organise documents, review outstanding balances and notices, coordinate lender follow-ups and discuss settlement options. Legal steps, if needed, are coordinated with an appropriate legal professional.
No. PKS India Consultancy provides borrower support and resolution guidance, not legal advice. Money-related figures are indicative and subject to lender confirmation. Please read our disclaimer for the full scope.
Important
This is general guidance, not legal advice or a quotation. Every situation is different — the free consultation is where yours gets specific attention. Figures are indicative and subject to lender confirmation.
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