Run SARFAESI at portfolio scale.
Prove every step to the regulator.
Case Trail is the legal operations layer for Indian scheduled commercial banks — recovery workflows, panel oversight, and audit-ready exports that meet RBI outsourcing-of-financial-services expectations.
What recovery teams at banks actually fight every quarter.
The structural problems that keep recovery numbers below board targets — and why a spreadsheet of matters can't fix any of them.
SARFAESI volume the panel can't keep up with
Thousands of 13(2) notices in flight, hundreds at 13(4), possession proceedings stalled across DRTs. The bank's view is a monthly Excel from the panel. By the time a matter is flagged, two more deadlines have slipped.
RBI outsourcing-guideline exposure
Counsel are vendors. Vendor oversight, performance review, and contractual residency matter as much as recovery itself. Today the audit answer is a folder share and a forwarded email — that's not a posture you take to a JPC.
Recovery numbers don't roll up to the board
Quarter-end means the recovery cell rebuilds the deck from emails. By the time the board sees the number, the next quarter has started. There is no live exposure-recovered figure to act on.
Cross-counsel visibility is a fiction
Every empanelled firm uses its own template, its own status vocabulary, its own update cadence. The bank can't compare panel performance, spot bottlenecks, or move matters between firms without losing context.
What a bank actually deploys on Case Trail.
Single-region (India) deployment under MSA + DPA. ISO 27001-aligned controls. Dedicated success engineer through onboarding and steady state.
SARFAESI workflow at scale
13(2) → 13(4) → possession → recovery as a tracked workflow. Aging buckets, deadline alerts, defendant ledger, document vault per matter — the same shape across every panel firm.
Portfolio dashboard for recovery
Live exposure, live recovered, live aging — by region, vertical, panel firm, exposure band. Drill from board KPI into the underlying matter in two clicks.
Counsel panel & spend
Empanelled-firm ledger, fee notes, retainer drawdown, budget gates. Approve fee notes by exception. Roll up cost-per-matter and cost-per-rupee-recovered by panel firm.
Hearings, cause-list & display board
Tomorrow's listings across the panel; live cause-list integration; outcome capture against the matter record. The recovery cell sees what the panel will be in court for, before they walk in.
Notice automation
Bulk demand notices, statutory communications, pre-litigation correspondence. Templated, audited, with delivery proof captured against the borrower record.
AI Court Notebook (per-matter, tenant-isolated)
Counsel briefs, loan documents, orders → grounded answers. Refuses ungrounded claims by design. Never crosses tenants — the bank's documents never leak into another firm's notebook.
Watchlist for borrower events
Adverse-event monitoring, regulator-feed ingestion, news exposure on top borrowers. The portfolio's flashing lights, on one screen.
Audit-ready exports
Every read, every write, every Notebook query — logged, exportable, retained per RBI / DPDP requirements. Inspector arrives, exports are already prepared.
“The audit log alone justified the deployment. By the end of the first quarter live, the recovery cell had two extra quarters of timeline visibility on the SARFAESI book — and the ₹ exposure recovered figure stopped being a quarter-end reconstruction and started being a live number we managed to.”
What it costs.
- Per-tenant pricing under Master Services Agreement, India residency contractual.
- 30-day structured pilot on a defined SARFAESI book with documented success criteria.
- Dedicated success engineer through onboarding, integration, and steady state.
- Quarterly review against recovery KPI and panel-performance metrics.