All 39 Debt Recovery Tribunals in India: Complete List, Addresses, Jurisdiction and Appellate Structure
India has a nationwide network of 39 Debt Recovery Tribunals, commonly known as DRTs, supported by five Debt Recovery Appellate Tribunals, or DRATs. The tribunals were established under the Recovery of Debts and Bankruptcy Act, 1993, with the principal objective of providing a specialized mechanism for the adjudication and recovery of debts due to banks and financial institutions. The Department of Financial Services, Ministry of Finance, currently confirms that 39 DRTs and five DRATs are functioning across India.
The 39 DRTs are spread across Ahmedabad, Allahabad, Aurangabad, Bengaluru, Chandigarh, Chennai, Coimbatore, Cuttack, Delhi, Dehradun, Ernakulam, Guwahati, Hyderabad, Jabalpur, Jaipur, Kolkata, Lucknow, Madurai, Mumbai, Nagpur, Patna, Pune, Ranchi, Siliguri and Visakhapatnam. Several major cities have more than one DRT because of the volume of financial-recovery litigation generated in those regions.
The five appellate tribunals are DRAT Allahabad, DRAT Chennai, DRAT Delhi, DRAT Kolkata and DRAT Mumbai. The appellate allocation is not simply based on geographical proximity. It is determined by the notified institutional jurisdiction of each DRAT. The current government material identifies the five DRATs and the 39 DRTs forming the national tribunal structure.
DRT-1 Ahmedabad
DRT-1 Ahmedabad is one of the two Debt Recovery Tribunals located in Ahmedabad. The Ahmedabad DRTs serve the Gujarat region and associated Union Territory jurisdictions assigned to them under the applicable notifications. The commonly published address for DRT-1 Ahmedabad is Bhikhubhai Chamber, Gandhi Kunj Society, Ellisbridge, Ahmedabad, Gujarat.
Ahmedabad is an important DRT centre because Gujarat has a substantial banking, industrial, infrastructure, trading and commercial-finance sector. Proceedings can involve corporate borrowers, MSMEs, secured lending, guarantees, mortgages and enforcement of security interests.
Appeals from Ahmedabad DRT matters fall under DRAT Mumbai. However, because individual cases can involve parties, properties or causes of action in more than one territorial area, the precise filing jurisdiction should be checked against the current statutory notification and e-DRT jurisdiction-selection system.
DRT-2 Ahmedabad
DRT-2 Ahmedabad is the second DRT functioning at Ahmedabad. It operates alongside DRT-1 Ahmedabad and handles matters assigned to its roster and territorial jurisdiction.
Its commonly published location is also in the Bhikhubhai Chamber complex in the Ellisbridge area of Ahmedabad. The division between DRT-1 and DRT-2 means that parties should not assume that every Ahmedabad matter can be filed before either tribunal. The applicable bench has to be identified through the current territorial and case-allocation rules.
Appeals from Ahmedabad DRT proceedings are handled within the DRAT Mumbai appellate circuit.
DRT Allahabad
DRT Allahabad is a major tribunal serving the Uttar Pradesh region under its notified territorial jurisdiction. Allahabad is also the location of DRAT Allahabad, giving the city both an original DRT forum and an appellate DRT forum.
The tribunal is situated in Prayagraj, historically referred to in official tribunal records as Allahabad. This distinction is important when searching for tribunal records because the official institutional name may continue to use “Allahabad” even though the city has officially been renamed Prayagraj.
DRT Allahabad falls under DRAT Allahabad. The appellate jurisdiction of DRAT Allahabad also includes several other DRTs, including DRT Dehradun, DRT Jabalpur, DRT Lucknow, DRT Patna and DRT Ranchi.
DRT Aurangabad
DRT Aurangabad is located in Maharashtra and forms part of the western DRT circuit. The tribunal serves the territorial area assigned to it under the Central Government’s DRT jurisdiction notifications.
The tribunal’s location is now in Chhatrapati Sambhajinagar, although older and continuing official references frequently use the name Aurangabad. This is relevant when searching tribunal records, addresses and case information.
Appeals from DRT Aurangabad fall within the DRAT Mumbai appellate structure. The Mumbai appellate circuit also includes DRT Mumbai, DRT Ahmedabad, DRT Nagpur and DRT Pune.
DRT-1 Bengaluru
DRT-1 Bengaluru is one of the Debt Recovery Tribunals serving Karnataka. Bengaluru is an important financial and corporate centre, and its DRT system handles debt-recovery proceedings involving banks, financial institutions, companies, businesses and individual borrowers.
DRT-1 Bengaluru operates alongside DRT-2 Bengaluru. The two benches are part of the DRAT Chennai appellate circuit. The official government listing confirms the existence of both DRT-1 Bengaluru and DRT-2 Bengaluru.
DRT-2 Bengaluru
DRT-2 Bengaluru is the second DRT at Bengaluru. It deals with cases assigned to its particular roster and territorial allocation.
The Bengaluru DRTs are within the appellate jurisdiction of DRAT Chennai. Consequently, an appeal from an order of the appropriate Bengaluru DRT generally proceeds to DRAT Chennai, subject to the applicable statutory and jurisdictional requirements.
DRT-1 Chandigarh
DRT-1 Chandigarh is one of three DRTs operating at Chandigarh. Chandigarh serves as a major DRT centre for the northern region.
The Chandigarh DRT complex is located in Sector 17A. The published address for the DRT complex is SCO No. 33-34-35, Sector 17A, Chandigarh, with individual floors allocated to the different benches.
The Chandigarh DRT structure is particularly important because its notified territorial framework extends beyond Chandigarh itself. It has been associated with matters involving Punjab, Haryana, Himachal Pradesh and the Union Territories of Jammu and Kashmir and Ladakh under the relevant notifications.
DRT-2 Chandigarh
DRT-2 Chandigarh is the second Chandigarh DRT. It operates from the same tribunal complex but on a separate floor and roster.
The commonly published address is SCO No. 33-34-35, Sector 17A, Chandigarh. The appropriate bench for a case depends upon the current allocation of districts and matters rather than simply the location of the litigant.
Appeals from Chandigarh DRTs fall under DRAT Delhi. The official DRT structure places DRT-1, DRT-2 and DRT-3 Chandigarh within the DRAT Delhi appellate circuit.
DRT-3 Chandigarh
DRT-3 Chandigarh is the third tribunal functioning in Chandigarh. It is part of the expanded Chandigarh DRT structure created to deal with the substantial volume of debt-recovery litigation in the northern region.
The tribunal operates from the Sector 17A DRT complex. Published tribunal information identifies the Ground Floor of the complex for DRT-3 Chandigarh.
The allocation of matters between DRT-1, DRT-2 and DRT-3 should be checked through the current DRT registry and e-filing system before filing because roster and jurisdiction arrangements may be altered administratively.
DRT-1 Chennai
DRT-1 Chennai is one of three DRTs operating in Chennai. Chennai is one of India’s principal DRT centres and handles a large volume of banking and financial-recovery proceedings.
The published address is Dewa Towers, Anna Salai, Chennai, Tamil Nadu. DRT-1 Chennai operates alongside DRT-2 and DRT-3 Chennai.
All three Chennai DRTs are within the appellate jurisdiction of DRAT Chennai. The Chennai DRT system serves the territories assigned to the tribunal under the applicable notifications.
DRT-2 Chennai
DRT-2 Chennai is the second Chennai DRT. Its published location is associated with the Additional Office Building at Shastri Bhavan, Haddows Road, Nungambakkam, Chennai.
The tribunal deals with Original Applications filed by banks and financial institutions as well as matters arising under the SARFAESI framework within its notified jurisdiction.
Appeals from DRT-2 Chennai lie within the DRAT Chennai appellate structure.
DRT-3 Chennai
DRT-3 Chennai is the third DRT in Chennai. Its published address is Dewa Towers on Anna Salai.
The three Chennai benches together form one of the largest DRT clusters in southern India. The official government list confirms DRT-1 Chennai, DRT-2 Chennai and DRT-3 Chennai among the 39 functioning DRTs.
DRT Coimbatore
DRT Coimbatore serves the Coimbatore region and the districts assigned to it under the notified jurisdiction. Coimbatore is an important industrial, textile and commercial centre in Tamil Nadu, which contributes to significant banking and secured-lending activity.
DRT Coimbatore is part of the DRAT Chennai appellate circuit. The tribunal is therefore connected to the same appellate framework as the Chennai, Bengaluru, Ernakulam and Madurai DRTs.
DRT Cuttack
DRT Cuttack is the principal Debt Recovery Tribunal serving Odisha. Cuttack has historically been an important judicial centre in Odisha, while the tribunal deals specifically with debt-recovery matters.
The tribunal forms part of the DRAT Kolkata appellate circuit. DRT Cuttack is one of the DRTs expressly listed in the current 39-tribunal government structure.
DRT-1 Delhi
DRT-1 Delhi is one of three DRTs in the national capital. Delhi has a particularly large volume of financial litigation because of the concentration of banks, financial institutions, companies, government-related borrowers and corporate headquarters.
The three Delhi DRTs operate from the Jeevan Tara Building area on Parliament Street, New Delhi. DRT-1 Delhi is part of the DRAT Delhi appellate circuit.
The correct DRT among the three Delhi benches depends on the applicable territorial, roster and filing allocation. Therefore, a litigant should not select a Delhi DRT merely because the borrower or bank has a Delhi address.
DRT-2 Delhi
DRT-2 Delhi is the second DRT operating in the capital. It operates alongside DRT-1 and DRT-3 Delhi.
The commonly published address is the fourth floor of Jeevan Tara Building, Parliament Street, New Delhi. Appeals from the Delhi DRT benches proceed within the DRAT Delhi appellate system.
DRT-3 Delhi
DRT-3 Delhi is the third Delhi DRT. It forms part of the same Delhi DRT complex and appellate structure.
The three Delhi tribunals are among the country’s major debt-recovery forums because of the large number of banks and financial institutions conducting business from the National Capital Region.
DRT Dehradun
DRT Dehradun serves Uttarakhand and the areas assigned to it by the applicable Central Government notification. It is the specialized DRT forum for debt-recovery matters arising within its notified territorial jurisdiction.
DRT Dehradun falls under DRAT Allahabad. The Allahabad appellate circuit includes DRT Allahabad, DRT Dehradun, DRT Jabalpur, DRT Lucknow, DRT Patna and DRT Ranchi.
DRT-1 Ernakulam
DRT-1 Ernakulam is one of two DRTs functioning in Ernakulam, Kerala. The tribunal is located in Kochi and serves the territories assigned to the Kerala DRT structure.
The published location is associated with the Kerala State Housing Board building at Panampilly Nagar, Kochi. DRT-1 Ernakulam forms part of the DRAT Chennai appellate circuit.
DRT-2 Ernakulam
DRT-2 Ernakulam is the second DRT serving Kerala from Kochi. Its published location is also associated with the Kerala State Housing Board complex at Panampilly Nagar.
The two Ernakulam DRTs handle debt-recovery proceedings for their respective notified areas and are subject to the appellate jurisdiction of DRAT Chennai.
DRT Guwahati
DRT Guwahati is the principal DRT serving Assam and the northeastern region under its notified jurisdiction. Because of the geographical size of the Northeast, DRT Guwahati is particularly significant for banking disputes involving borrowers and secured assets across northeastern states.
The tribunal is part of the DRAT Kolkata appellate circuit. DRT Guwahati is expressly included in the current national list of 39 DRTs.
DRT-1 Hyderabad
DRT-1 Hyderabad is one of two DRTs operating in Hyderabad. Hyderabad is an important banking, technology, pharmaceutical, infrastructure and corporate centre, creating a substantial volume of financial disputes.
The Hyderabad DRTs are included in the DRAT Kolkata appellate circuit under the current DRT-DRAT allocation.
DRT-2 Hyderabad
DRT-2 Hyderabad is the second Hyderabad DRT. It operates alongside DRT-1 Hyderabad and handles matters allocated to its roster.
The current government structure identifies both Hyderabad DRTs among the 39 functioning tribunals. Their appellate matters fall within the DRAT Kolkata circuit under the published DRT-DRAT allocation.
DRT Jabalpur
DRT Jabalpur is the principal DRT centre for Madhya Pradesh. The tribunal is located in Jabalpur and has historically handled debt-recovery matters from different parts of Madhya Pradesh.
The commonly published tribunal address is the Sanchar Vikas Bhavan, near the Head Post Office, Residency Road, Jabalpur.
An important current development concerns the temporary exercise of DRT Jabalpur’s jurisdiction. In 2025, Madhya Pradesh High Court proceedings recorded that Jabalpur matters had at times been assigned to DRT Allahabad because of the absence of a regular Presiding Officer. A later 2026 judicial record referred to a Gazette notification assigning matters falling within DRT Jabalpur’s jurisdiction to DRT-2 Ahmedabad for six months or until appointment of a regular Presiding Officer or further orders. This demonstrates why the operational filing arrangement should always be checked immediately before filing.
DRT Jabalpur is ordinarily within the DRAT Allahabad appellate circuit under the national DRT-DRAT allocation.
DRT Jaipur
DRT Jaipur is the principal DRT centre in Rajasthan. It handles debt-recovery proceedings falling within its notified territorial jurisdiction.
Jaipur DRT is part of the DRAT Delhi appellate circuit. The current DRT-DRAT allocation places DRT Jaipur along with the three Delhi DRTs and three Chandigarh DRTs under DRAT Delhi.
DRT-1 Kolkata
DRT-1 Kolkata is one of three DRTs located in Kolkata. Kolkata is a major DRT centre for eastern India.
The Kolkata tribunals operate within the appellate jurisdiction of DRAT Kolkata. DRT-1 Kolkata deals with matters allocated to its particular roster and territorial jurisdiction.
DRT-2 Kolkata
DRT-2 Kolkata is the second Kolkata DRT. It forms part of the three-bench Kolkata DRT structure.
The tribunal is associated with the wider eastern India debt-recovery system and appeals from its orders fall within DRAT Kolkata.
DRT-3 Kolkata
DRT-3 Kolkata is the third Kolkata DRT. The current government list specifically confirms all three Kolkata DRTs among India’s 39 functioning tribunals.
Kolkata also hosts DRAT Kolkata, which serves as the appellate forum for the DRTs allocated to that appellate circuit. The exact filing bench for an individual case should be established from the current jurisdiction notification and registry allocation.
DRT Lucknow
DRT Lucknow serves the areas of Uttar Pradesh assigned to it under the notified DRT jurisdiction. Lucknow is an important administrative and commercial centre and has a significant banking and financial-services presence.
DRT Lucknow falls within the DRAT Allahabad appellate circuit. The Allahabad DRAT circuit includes DRT Allahabad, Dehradun, Jabalpur, Lucknow, Patna and Ranchi.
DRT Madurai
DRT Madurai is the Debt Recovery Tribunal serving the Madurai region and the territories assigned to it in southern Tamil Nadu.
The tribunal is part of the DRAT Chennai appellate circuit, alongside DRT Chennai, Bengaluru, Coimbatore and Ernakulam.
DRT-1 Mumbai
DRT-1 Mumbai is one of three Mumbai DRTs. Mumbai is India’s principal financial centre and consequently has a substantial volume of banking and financial-recovery litigation.
The Mumbai DRTs form part of the DRAT Mumbai appellate circuit. The tribunal complex is associated with Mumbai’s financial district and handles Original Applications and other proceedings assigned to its jurisdiction.
DRT-2 Mumbai
DRT-2 Mumbai is the second Mumbai DRT. It operates alongside DRT-1 and DRT-3 Mumbai.
Because Mumbai has multiple DRT benches, parties should carefully identify the correct bench before filing. The fact that a bank’s headquarters or borrower happens to be located in Mumbai does not, by itself, determine the precise DRT bench.
DRT-3 Mumbai
DRT-3 Mumbai is the third Mumbai DRT. The Government of India’s current list expressly confirms all three Mumbai DRTs among the 39 functioning DRTs.
Appeals from Mumbai DRT proceedings fall within DRAT Mumbai.
DRT Nagpur
DRT Nagpur serves the Nagpur region and the territories assigned to it under the relevant DRT jurisdiction notifications. It is an important tribunal for eastern Maharashtra and surrounding areas falling within its notified jurisdiction.
DRT Nagpur forms part of the DRAT Mumbai appellate circuit. The western appellate circuit also includes DRT Mumbai, Ahmedabad, Aurangabad and Pune.
DRT Patna
DRT Patna serves Bihar under its notified jurisdiction. The tribunal handles Original Applications and other debt-recovery proceedings involving banks and financial institutions.
DRT Patna is presently included in the DRAT Allahabad appellate circuit according to the published DRT-DRAT allocation. This is an important point because appellate jurisdiction does not necessarily follow the geographically nearest DRAT.
DRT Pune
DRT Pune is a major DRT serving Maharashtra and the areas assigned to it under the notified territorial framework.
Pune is a significant industrial, automobile, information-technology and commercial centre, generating substantial lending and financial activity. DRT Pune falls within the DRAT Mumbai appellate circuit.
DRT Ranchi
DRT Ranchi serves Jharkhand under its notified territorial jurisdiction. The tribunal is particularly relevant to debt-recovery matters involving industrial, mining, commercial and banking activity in the state.
DRT Ranchi falls within the DRAT Allahabad appellate circuit under the current published allocation.
DRT Siliguri
DRT Siliguri is the DRT serving the Siliguri region and the territories assigned to it under the applicable notification. Siliguri is strategically important because of its location connecting northeastern India with the rest of the country.
DRT Siliguri is part of the DRAT Kolkata appellate structure. Its exact territorial allocation should be verified from the current notification before filing a matter involving districts around northern West Bengal and neighbouring areas.
DRT Visakhapatnam
DRT Visakhapatnam serves the coastal Andhra Pradesh region assigned to it. The commonly published address is Ground and First Floor, Sai Baba Street, Narayan Bhawan, Dabagardens, Visakhapatnam.
The tribunal handles debt-recovery and SARFAESI-related proceedings within its notified jurisdiction. Published current jurisdiction information identifies coastal Andhra districts including Visakhapatnam, Srikakulam, Vizianagaram, East Godavari, West Godavari, Krishna and Guntur, although the precise allocation should be checked against the current government notification before filing.
DRT Visakhapatnam is within the DRAT Kolkata appellate circuit according to the DRT-DRAT allocation.
Five Debt Recovery Appellate Tribunals
DRAT Allahabad is one of India’s five Debt Recovery Appellate Tribunals. Its appellate circuit includes DRT Allahabad, DRT Dehradun, DRT Jabalpur, DRT Lucknow, DRT Patna and DRT Ranchi under the published national allocation.
DRAT Chennai is another major appellate centre. Its circuit includes DRT-1, DRT-2 and DRT-3 Chennai, DRT-1 and DRT-2 Bengaluru, DRT Coimbatore, DRT-1 and DRT-2 Ernakulam and DRT Madurai.
DRAT Delhi exercises appellate jurisdiction over the three Delhi DRTs, the three Chandigarh DRTs and DRT Jaipur under the published DRT-DRAT structure.
DRAT Kolkata handles appeals from the Kolkata DRTs as well as DRT Hyderabad, DRT Visakhapatnam, DRT Siliguri, DRT Cuttack and DRT Guwahati under the current institutional allocation.
DRAT Mumbai handles appeals arising from the Mumbai, Ahmedabad, Aurangabad, Nagpur and Pune DRTs under the current national structure.
How DRT Jurisdiction Works
The question of which DRT has jurisdiction is more complicated than simply identifying the city where a bank branch is located. The Recovery of Debts and Bankruptcy Act contains provisions concerning the territorial jurisdiction of DRTs, and the electronic filing system requires applicants to select the appropriate DRT based on jurisdictional information.
The official e-DRT user manual states that an applicant selects the DRT according to jurisdiction and, for an Original Application, may be required to identify the relevant jurisdiction using information such as police-station, district or taluka details. This illustrates the importance of checking the precise territorial allocation rather than selecting a tribunal merely because it is geographically convenient.
DRT jurisdiction can become particularly complicated where a loan involves several borrowers, multiple branches, several secured assets or properties located in different states. In such cases, the location of the defendant, place of business, cause of action and secured property can become relevant depending on the nature of the proceeding and the applicable statutory provisions.
SARFAESI proceedings introduce another important jurisdictional question. A borrower or other affected person challenging a measure taken by a secured creditor may approach the DRT under the SARFAESI Act. The relevant DRT depends upon the statutory and territorial requirements applicable to the challenged measure.
Why Current Jurisdiction Verification Is Important
The DRT system is not completely static. Administrative arrangements can temporarily change because of vacancies of Presiding Officers, additional charges, transfers, government notifications or other institutional circumstances.
The situation at DRT Jabalpur demonstrates this point. Judicial records from Madhya Pradesh in 2025 and 2026 recorded temporary arrangements under which matters connected with DRT Jabalpur were dealt with by another DRT. In June 2026, a Government notification was referred to in court proceedings assigning Jabalpur matters to DRT-2 Ahmedabad for a specified temporary period or until the appointment of a regular Presiding Officer or further orders.
Therefore, an article listing the permanent DRT structure should not be treated as a substitute for checking the current registry position on the date of filing. A lawyer or litigant should confirm the current bench, territorial jurisdiction, roster and filing instructions before submitting an Original Application, Securitisation Application, interlocutory application or appeal.
DRTs and the e-DRT System
The Government has increasingly digitised DRT proceedings. The e-DRT system provides electronic filing and related services and requires applicants to select the appropriate tribunal and jurisdiction while initiating proceedings.
This digital system is particularly important because DRT cases can involve large volumes of documents, including loan agreements, sanction letters, statements of accounts, mortgage documents, guarantees, notices, possession documents, auction papers and correspondence between banks and borrowers.
The Government’s current DRT information confirms that the tribunal system is intended to provide expeditious adjudication and recovery of debts due to banks and financial institutions. The same official source identifies the Recovery of Debts and Bankruptcy Act, 1993 and the SARFAESI Act, 2002 as central laws governing the DRT framework.
The 39 DRTs constitute India’s specialized institutional framework for debt-recovery litigation involving banks and financial institutions. They operate across the country’s major financial, commercial and administrative centres and are supported by five DRATs that hear statutory appeals from DRT orders.
The 39 DRTs are DRT-1 Ahmedabad, DRT-2 Ahmedabad, DRT Allahabad, DRT Aurangabad, DRT-1 Bengaluru, DRT-2 Bengaluru, DRT-1 Chandigarh, DRT-2 Chandigarh, DRT-3 Chandigarh, DRT-1 Chennai, DRT-2 Chennai, DRT-3 Chennai, DRT Coimbatore, DRT Cuttack, DRT-1 Delhi, DRT-2 Delhi, DRT-3 Delhi, DRT Dehradun, DRT-1 Ernakulam, DRT-2 Ernakulam, DRT Guwahati, DRT-1 Hyderabad, DRT-2 Hyderabad, DRT Jabalpur, DRT Jaipur, DRT-1 Kolkata, DRT-2 Kolkata, DRT-3 Kolkata, DRT Lucknow, DRT Madurai, DRT-1 Mumbai, DRT-2 Mumbai, DRT-3 Mumbai, DRT Nagpur, DRT Patna, DRT Pune, DRT Ranchi, DRT Siliguri and DRT Visakhapatnam. This list is confirmed by the Department of Financial Services’ current national DRT listing.
For practical legal work, however, the name of the tribunal is only the starting point. The correct DRT must be determined by examining the current territorial jurisdiction, the nature of the proceeding, the location of the borrower or defendant, the location of the secured asset where relevant, the cause of action and any current government notification altering or temporarily assigning jurisdiction.
The DRT framework is therefore best understood as a combination of a permanent national tribunal network and periodically changing administrative and territorial arrangements. For lawyers, banks, borrowers, guarantors and other litigants, checking the current official DRT and e-DRT position immediately before filing is essential to avoid presenting a case before the wrong tribunal.
