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Securitisation and Reconstruction of Financial Assets and

Securitisation and Reconstruction of Financial Assets and 2025

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The document outlines the provisions of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002, focusing on the processes for debt recovery through Debt Recovery Tribunals (DRTs) and Appellate Tribunals (DRATs). It details the rights of secured creditors to enforce security interests, the procedures for borrowers to appeal against creditor actions, and the conditions under which borrowers may receive compensation. Additionally, it includes rules regarding application procedures and fees associated with filing appeals.

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What are 3 types of financial assets?

The three primary financial assets are stocks, bonds, and cash equivalents. Stocks represent ownership in a company, bonds are debt instruments, and cash equivalents are short-term, highly liquid investments like Treasury bills.

What does arc mean in finance?

An Asset Reconstruction Company (ARC) is a type of financial institution that specializes in acquiring and managing distressed assets, typically loans or non-performing assets (NPAs) from banks and other financial institutions.

What is reconstruction of financial assets?

The Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act, 2002 (also known as the SARFAESI Act) is an Indian law. It allows banks and other financial institutions to auction residential or commercial properties of defaulters to recover loans.

What are the two basic types of financial assets and what does each represent?

Here are the different types of financial assets: Stocks: Represent ownership in a company and offer potential capital appreciation and dividends. Bonds: Represent loans made to governments or corporations and provide fixed interest payments and return of principal.

What is the meaning of asset restructuring?

Asset restructuring involves actions undertaken to realign the asset side of the balance sheet and, as such, it is different from a recapitalization, which involves the realignment of the liability side of the balance sheet and may be done even when the assets of the company remain intact.

What is asset reconstruction of financial assets?

An Asset Reconstruction Company is a specialized financial institution that buys the NPAs or bad assets from banks and financial institutions so that the latter can clean up their balance sheets. In other words, ARCs are in the business of buying bad loans from banks. Why was it in the news?

What is the objective of securitization of financial assets?

Increasing numbers of financial institutions employ securi- tization to transfer the credit risk of the assets they originate from their balance sheets to those of other financial institu- tions, such as banks, insurance companies, and hedge funds.

What is Section 13 of Securitisation and Reconstruction of Financial Assets?

Section 13 of the SARFAESI Act empowers secured creditors to enforce their security interests and recover dues from defaulting borrowers without court intervention. It includes issuing a demand notice and taking possession of the secured assets if dues are not repaid within the specified period.

Securitisation and Reconstruction of Financial Assets and 2025

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