OTS Advisor in India
Advocate Ajay Gautam is one of India’s leading legal experts specializing in Non-Performing Assets (NPA) and One-Time Settlements (OTS). Based in Jabalpur, Madhya Pradesh, he has earned national recognition for his strategic and result-oriented approach to resolving complex financial disputes and debt recovery matters. With over a decade of legal experience, he provides expert counsel to banks, financial institutions, borrowers, and guarantors across India.
Expertise in NPA and OTS Legal Advisory
Advocate Gautam possesses in-depth knowledge of the SARFAESI Act, 2002, and the Recovery of Debts and Bankruptcy Act, 1993, which form the backbone of India’s debt recovery framework. His expertise enables him to:
-
Facilitate efficient and compliant debt resolutions
-
Challenge unlawful recoveries and asset enforcements
-
Negotiate fair settlements aligned with RBI guidelines
His deep understanding of these laws allows him to design effective legal strategies that protect client interests while ensuring lawful and sustainable resolutions.
Representation Across DRT & DRAT
Ajay Gautam has successfully represented clients before the Debt Recovery Tribunal (DRT) and the Debt Recovery Appellate Tribunal (DRAT) in major jurisdictions including Delhi, Allahabad, and Chennai. His practice spans:
-
Responding to Section 13 notices under SARFAESI
-
Managing loan restructuring and settlement negotiations
-
Defending clients against coercive recovery actions
His meticulous attention to procedure and legal precision ensures favorable outcomes for both lenders and borrowers.
Client-Centric and Ethical Advocacy
Known for his transparent and ethical approach, Advocate Gautam builds long-term trust with clients through clear communication, practical solutions, and personalized strategies. He simplifies complex financial issues, provides honest assessments of legal risks, and tailors solutions that best fit each client’s situation. This integrity-driven approach has earned him respect among corporate clients, financial institutions, and individual borrowers alike.
Specialization in One-Time Settlements (OTS)
A major focus of Advocate Gautam’s practice is facilitating One-Time Settlements (OTS)—helping borrowers and banks reach mutually beneficial agreements that preserve legal rights and reduce litigation. His dual experience representing both sides of the table ensures fair, balanced, and effective settlements that promote financial stability and closure.
Nationwide Legal Access & Digital Services
To ensure accessibility for clients across India, Ajay Gautam offers online legal consultations and digital case management, enabling seamless, real-time communication and representation. His embrace of technology reflects a commitment to accessible and efficient legal services, regardless of location.
Thought Leadership & Social Responsibility
Beyond active litigation, Advocate Gautam contributes to legal scholarship and public discourse through MediumPulse, a platform he founded to promote discussions on law, governance, and social issues. He is also involved in environmental conservation initiatives, reflecting a broader commitment to social responsibility and nation-building.
Ajay Gautam Advocate stands at the forefront of India’s NPA and OTS legal landscape. With over a decade of specialized experience, he blends legal acumen, negotiation expertise, and ethical advocacy to deliver effective outcomes in banking and financial law. His dedication to justice, transparency, and client empowerment continues to make him a trusted advisor and influential voice in the field of debt recovery and financial dispute resolution.
