IN THE HIGH COURT OF PUNJAB AND HARYANA AT CHANDIGARH Date of decision : 10.11.2025 Kanwaljit Kaur and others …….Petitioners Versus Bank of Baroda and others ...….Respondents CORAM: HON'BLE MR. JUSTICE SHEEL NAGU, CHIEF JUSTICE HON'BLE MR. JUSTICE SANJIV BERRY Present: Mr. Narinder Kumar Vadehra, Advocate, for the petitioners.

Mr. Gaurav Goel, Advocate, for the respondent-Bank.

Ms. Apurva Walia, Advocate, for respondent No.3.

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SHEEL NAGU, CHIEF JUSTICE ( Oral )

1. The petitioners, who claim themselves to be owners of the property, which is allegedly mortgaged in favour of respondent No.1-bank, are assailing various recourses adopted by the respondent-bank u/s 14 of Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (for short SARFAESI Act), including order dated 13.11.2017 (Annexure P-9) and notice dated 19.04.2018 (Annexure P-10).

2. The Apex Court has consistently held that High Constitution in SARFAESI proceedings. The SARFAESI Act, 2002 is a complete code which not only provides for a detailed recovery mechanism but also remedies before the Debts Recovery Tribunal (DRT) and thereafter, Debts Recovery Appellate Tribunal (DRAT).

3.