Enforce the security on the documents, not on the file note
Banking work lives in the sanction letter, the loan agreement, the security documents, the guarantees and the notices that follow a default. Justis reads the loan file end to end, traces each security from creation to registration, checks every recovery step against SARFAESI, the Recovery of Debts and Bankruptcy Act and the IBC, and cites the provision and the ruling behind each one.
Every security, traced from sanction to perfection
Across the whole loan file, tabular review asks the same questions of every document: what security it creates, whether the charge was registered and filed in time, and what is missing, with the page each answer rests on.
The recovery route, checked step by step
SARFAESI, a recovery application or insolvency: the agent walks the default through each route in order, with the time limit, the notice and the authority for every step, and says which route fits the file.
- Account classified NPA after 90 days overdue
- Demand notice under s.13(2), sixty days, on the borrower and guarantors
- Representation answered within fifteen days under s.13(3A)
- Possession under s.13(4), with s.14 assistance if resisted
- Parallel route: s.7 IBC petition, default above ₹1 crore, within limitation
- Recommendation and the authority each step rests on
The borrower's file, answered point by point
Default, limitation and the guarantors, each set against what the account statement, the balance sheet and the guarantee actually say, so the petition argues from the record rather than from the credit note.
Notices drafted in your bank's format, cited to the Act
The demand notice, the possession notice or the reply to a representation reads the way your legal department writes, with each statutory step and time limit checked, and lands as a Word draft you edit rather than retype.
Early interest from people at
Physics Wallah
ExtendCommon questions
Does it cover SARFAESI, the RDB Act and the IBC?
Yes. It searches the statutes, the rules under them and Supreme Court, High Court, DRT and NCLT decisions, and sets out each recovery route with its time limits. Every conclusion links to the provision or ruling it rests on.
Can it check a whole loan file for gaps in the security?
Upload the file and tabular review asks the same questions of every document at once: what security it creates, whether it was registered and filed in time, and what is missing, with the page for each answer, exportable to Excel.
Does it keep up with RBI directions?
It checks current RBI directions and circulars through live web search when it answers, cites the version it relied on, and says so when a position has changed or is unsettled rather than asserting one.
Will it draft notices in our bank's format?
Once you train the digital twin on a handful of your own notices and replies, yes. It learns your structure and wording, checks each statutory step, and edits arrive as tracked changes in Word.
Is borrower data kept confidential?
Documents are encrypted in transit and at rest, access is limited to the people on the matter, and nothing you upload is used to train models shared with anyone else. Data is hosted in India.
What does it cost?
Every account starts with a 7-day trial of 100 credits. Pro is ₹999 a month with 500 credits, Ultra is ₹3,999 with 2,000, and larger teams are on the Custom plan.
Policies, proposal forms and claim files, read against the wording, the Insurance Act and the rulings on repudiation.
Matters, meetings and the whole team in one workspace: research, drafting and review, with every answer cited.
Read in overnight, not over two days. Chronology, issues and the controlling authority, cited to the paragraph.
