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Indian borrower comparing IBC insolvency process and SARFAESI recovery action

Debt Management

IBC and SARFAESI: A Beginner's Guide

IBC provides a framework for insolvency resolution and related proceedings, while SARFAESI allows eligible secured creditors to enforce specified security interests without first obtaining a court order, subject to the Act and applicable rules.

By Mohit Juneja | 18 September 2026

Indian borrower reviewing DRT application documents under SARFAESI Act

Debt Management

SARFAESI and DRT: What You Should Know Before You Apply

SARFAESI and DRT come together when a borrower wants to challenge a bank's SARFAESI action, like a property auction, by approaching the Debt Recovery Tribunal (DRT), a special government court for loan cases, under the Act's appeal provision.

By Mohit Juneja | 18 September 2026

Indian business owner reviewing CIBIL MSME Rank CMR score report

CIBIL

CIBIL MSME Rank (CMR) Explained: What Does CMR-8 Mean?

CIBIL MSME Rank (CMR) is a credit ranking TransUnion CIBIL assigns to MSME (Micro, Small, and Medium Enterprises, entities, on a scale of 1 to 10, where CMR-1 signals the lowest risk and CMR-10 the highest. CMR-8 sits in the higher-risk range.

By Mohit Juneja | 18 September 2026