Category: National

  • World Human Rights Protection Commission (WHRPC) – Serving the Nation Since 2013 Through Human Rights Awareness and Social Service

    World Human Rights Protection Commission (WHRPC) – Serving the Nation Since 2013 Through Human Rights Awareness and Social Service

    New Delhi [India], May 14: Established in 2013, the World Human Rights Protection Commission (WHRPC) is a non-profit social organization dedicated to promoting human rights awareness, legal literacy, social service, and recognition of individuals contributing positively to society.

    For over a decade, WHRPC has actively worked across India through disaster relief initiatives, awareness campaigns, public welfare programs, and volunteer-driven social activities aimed at citizen empowerment and nation-building.

    Key Highlights

    Legacy of Service:
    Since 2013, WHRPC has conducted disaster relief operations, legal awareness camps, plantation drives, blood donation programs, and public welfare activities in different parts of India.

    Membership-Based Organization:
    WHRPC functions through a voluntary membership model where members participate in social service activities, awareness campaigns, training programs, and community development initiatives.

    Honorary Recognitions:
    Through its various councils, including the Honorary Doctorate Award Council and Bharat Gaurav Ratna Shri Samman Council, WHRPC recognizes individuals for exceptional contributions in social service, education, art, culture, entrepreneurship, and public welfare.

    No Academic Degrees:
    WHRPC and its councils do not provide academic qualifications such as PhD, MBBS, or any university-recognized degree. All recognitions conferred by the organization are purely honorary and intended to appreciate social and professional contributions.

    Transparency and Compliance:
    The organization states that all activities are conducted transparently and in accordance with applicable laws and organizational guidelines.

    Dr. Tapan Kumar Rautray, Chairman of WHRPC, said:

    “There is a misconception that we provide academic awards. We wish to clarify that WHRPC does not issue educational degrees. Our mission is to recognize genuine contributors to society and encourage citizens toward nation-building through social service and awareness activities.”

    About Bharat Gaurav Ratna Shri Samman Council

    The Bharat Gaurav Ratna Shri Samman Council operates under WHRPC to honor individuals for excellence in social service, art, culture, education, and entrepreneurship. The recognition is honorary in nature and intended as a civilian appreciation award.

    About WHRPC

    The World Human Rights Protection Commission (WHRPC), established in 2013, is a pan-India social organization committed to promoting human rights awareness, legal literacy, disaster response support, and citizen empowerment.

    Over the years, WHRPC volunteers have actively participated in flood relief efforts, pandemic support activities, awareness drives, and social welfare programs aimed at serving communities across the country.

    Core Activities

    • Human rights and legal awareness campaigns
    • Blood donation and health support drives
    • Plantation and environmental initiatives
    • Disaster management and relief support
    • Volunteer-based social service programs
    • Honorary recognition of social contributors
    • Training and awareness programs related to disaster management, RTI, and human rights

    Disclaimer: This is a sponsored article. The publisher is not responsible for the content, including the data and text. It has no role in its selection and is not liable for any actions taken based on this content.

  • Vasu Healthcare Launches AI-Created ‘Naari Anthem’ Celebrating Strength and Care

    Vasu Healthcare Launches AI-Created ‘Naari Anthem’ Celebrating Strength and Care

    Vadodara (Gujarat) [India], May 11: Ahead of Mother’s Day, Vasu Healthcare, a leading name in the herbal and Ayurvedic healthcare space, has launched its AI-created ‘Naari Anthem’, a unique musical tribute that celebrates the strength, resilience, and nurturing spirit of women. The initiative also marks a distinctive use of artificial intelligence in brand storytelling.

    The anthem’s lyrics, composition and vocals have been generated entirely using artificial intelligence. At a time when most brands are exploring AI for functional or visual applications, Vasu Healthcare’s initiative stands out as a creative approach that uses technology to build an emotional connection with audiences.

    More than a promotional piece, the ‘Naari Anthem’ reflects the company’s long-standing association with care, wellness, and nurturing, values that resonate strongly with women. The brand aims to communicate these ideas in a relatable and memorable way using music.

    Commenting on the launch, Hardik Ukani, Managing Director, Vasu Healthcare, said, “The ‘Naari Anthem’ is our way of celebrating the strength and grace of women through a format that connects emotionally. By using AI, we wanted to explore a new creative direction while staying rooted in our core philosophy of care and wellness. This initiative reflects how tradition and innovation can come together to create something meaningful.”

    The anthem also amplifies the message of Vasu Swarna Naari, the company’s women’s wellness product designed to support health, balance, and vitality. Inspired by Ayurvedic principles and tailored for the needs of the modern woman, the product focuses on key aspects such as energy, immunity, hormonal balance, and overall well-being.

    With ‘Naari Anthem’, Vasu Healthcare aims to engage a wider audience across digital platforms while reinforcing its identity as a progressive Ayurvedic brand. The use of AI enables the company to experiment with new formats of meaningful storytelling and reach consumers in more impactful ways.

    About Vasu Healthcare

    Founded in 1980 and headquartered in Vadodara, Vasu Healthcare is a leading player in the herbal and Ayurvedic healthcare segment. It is among the top five brands in India’s Ayurveda prescription market. The company manufactures and markets a wide range of Ayurvedic formulations, herbal cosmetics, personal care products, and nutritional supplements, with a presence across India and in over 50 international markets. The company has two world-class manufacturing facilities in Vadodara and recently inaugurated its third Ayurvedic manufacturing facility, developed in line with World Health Organization (WHO) standards.

  • Dr. Harvansh Chawla Appointed Chairman of BRISEC Chamber of Commerce & Industry; Steps Down from BRICS CCI to Assume Expanded Global Role

    Dr. Harvansh Chawla Appointed Chairman of BRISEC Chamber of Commerce & Industry; Steps Down from BRICS CCI to Assume Expanded Global Role

    New Delhi [India], May 11: Dr.Harvansh Chawla, a distinguished legal expert and leader in international trade and policy, has been appointed Chairman of the BRISEC Chamber of Commerce & Industry, marking a significant step in his continued engagement with global economic collaboration.

    In view of this expanded responsibility, Dr. Chawla has stepped down as Chairman of the BRICS CCI, where he played a key role in strengthening trade, investment, and institutional dialogue among BRICS+ nations.

    A Broader Global Mandate

    BRISEC with a wider international outlook, focusing on facilitating trade and investment across a broader set of countries and economic corridors beyond the BRICS framework.

    Under the leadership of Dr.Harvansh Chawla, BRISEC aims to:

    • Strengthen cross-border trade and investment opportunities 
    • Foster partnerships across emerging and established markets 
    • Encourage innovation and collaboration across key sectors 
    • Facilitate policy dialogue to enable smoother global business engagement 

    A Natural Progression of Leadership

    Dr. Chawla’s appointment reflects a natural progression of his work in international economic engagement.

    During his tenure at BRICS CCI, he contributed to building platforms that enabled businesses, policymakers, and institutions to collaborate across borders. His new role at BRISEC is expected to build upon this foundation—expanding the scope of engagement to a wider global landscape.

    Speaking on the occasion, Dr. Chawla said:

    “It has been a privilege to serve as Chairman of BRICS CCI and contribute to strengthening economic collaboration among BRICS+ nations. The opportunity to now take on a broader role with BRISEC CCI  comes with both responsibility and purpose.

    In an increasingly interconnected world, there is a need to create platforms that go beyond traditional frameworks and facilitate wider engagement across regions. BRISEC seeks to contribute to this vision by enabling meaningful partnerships, dialogue, and sustainable growth across diverse economic ecosystems.”

    Expanding the Horizon of Collaboration

    With its broader mandate, BRISEC CCI is positioned to serve as a platform that connects businesses, industry leaders, and policymakers across multiple regions—enabling collaboration that extends beyond established economic groupings.

    BRISEC  will organise forums, trade delegations, and policy interactions aimed at strengthening global economic ties and enhancing opportunities for businesses to scale across markets.

    About BRISEC Chamber of Commerce & Industry

    The BRISEC Chamber of Commerce & Industry is an organization, recognised by NeetiAayog, focused on promoting trade, investment, and economic cooperation across a wide spectrum of global markets. It serves as a platform for businesses, policymakers, and stakeholders to foster partnerships, drive innovation, and support sustainable economic growth beyond traditional economic blocs.

    For media queries, contact: Rajiv Sahni, CEO BRISEC CCI – +91 9967103005

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  • Beyond Compliance: How Surat’s Earth Day Drive Brought India’s BRSR and EPR Frameworks to Life

    Beyond Compliance: How Surat’s Earth Day Drive Brought India’s BRSR and EPR Frameworks to Life

    Surat (Gujarat) [India], May 6: The transition to a sustainable world requires more than corporate vision; it demands rigid frameworks and collective, on-ground action. On April 29, 2026, EPR compliance leader Nirmal Vasundhara brought this reality to life in Surat. By spearheading a mega beach and riverfront clean-up drive in collaboration with Hindustan Coca-Cola Beverages (HCCB), the organization orchestrated a powerful, live demonstration of India’s environmental regulations in action, uniting the four vital pillars of circularity—the Government, Corporates, Citizens, and Compliance Partners.

    The Regulatory Engines: BRSR and EPR In India, the shift toward a sustainable economy is driven by two critical mandates. The Business Responsibility and Sustainability Reporting (BRSR) framework is the Government of India’s ESG mandate for the top 1,000 listed corporates, designed to hardwire sustainable, transparent behaviors into corporate DNA. Parallel to this is Extended Producer Responsibility (EPR), the statutory rule ensuring producers take physical and financial accountability for the recovery and recycling of their pre and post-consumer waste. The Surat drive was the very essence of these laws materialized into civic action.

    Corporations Leading by Example: True sustainability happens when businesses view regulations not as a burden, but as a blueprint for impact. Organizations like HCCB exemplify this commitment. Through their active partnership backing of this mega drive, HCCB demonstrated the hard, on-ground work required to be genuinely sustainable, proving that well-compliant corporates are actively investing in the environmental health of their communities.

    The Role of Government and Citizens. No framework can succeed without local enforcement and public participation. With steadfast guidance from the Gujarat Pollution Control Board (GPCB) and the Surat Municipal Corporation (SMC), local governance provided the necessary regulatory backing and infrastructure. Meanwhile, environmentally conscious citizens and frontline Safai Sathis acted as the crucial grassroots engine, proving that source-level waste segregation is the absolute bedrock of a circular economy.

    Nirmal Vasundhara: Bridging the Gap. Navigating the complexities of BRSR and EPR requires deep expertise and operational muscle. This is where Nirmal Vasundhara steps in. Beyond facilitating physical circularity, the organization provides the strategic guidance required to align corporate actions with both national mandates and global ESG frameworks. Whether it is on-ground EPR execution, GHG accounting, or preparing for comprehensive global assessments like EcoVadis and CDP, Nirmal Vasundhara bridges the gap between policy and practice. During this event, they ensured complete circularity by channeling 100% of the collected plastic waste directly to their MRF Center for recycling.

    From the Director’s Desk: “Environmental compliance requires verifiable, on-ground action. By uniting government, corporates, and citizens, we turn BRSR and EPR frameworks into real impact. Our mission is to ensure every sustainability commitment translates into complete circularity.”— Miklesh Goel, Managing Director

    The Bottom Line: Achieving a circular economy cannot be done in silos. When the government establishes frameworks like BRSR and EPR, compliant corporates like HCCB fund the recovery, citizens segregate at the source, and partners like Nirmal Vasundhara provide the vital training and operational infrastructure, a zero-waste future transforms from a regulatory goal into a tangible reality.

  • Praveen Sharma appointed as the Chairman of the Madhya Pradesh Youth Commission

    Praveen Sharma appointed as the Chairman of the Madhya Pradesh Youth Commission

    Bhopal (Madhya Pradesh) [India], May 4: Madhya Pradesh, a state where the talent and enthusiasm of its youth have always been appreciated, is at a significant crossroads today. For the youth of the state, who are the future leaders, a new dawn of hope has arisen. Praveen Sharma, regarded as an immensely popular and skilled organizer among the youth, has been appointed as the Chairman of the Madhya Pradesh Youth Commission. This appointment infuses enthusiasm and inspiration among the youth of the region.

    Praveen Sharma dedicated his organizational life to the Akhil Bharatiya Vidyarthi Parishad, playing a crucial role in social and political activities. He significantly contributed to the organization’s development while serving as an organizing secretary in regions such as Ujjain, Gwalior, and Malwa. Under his leadership, the youth not only raised their voices for their rights but also actively participated in the development of society and the nation.

    Even after stepping back from organizational responsibilities, Praveen Sharma did not abandon the path of public service. In the 2023 assembly elections, he strengthened the electoral campaign of the esteemed Chief Minister Mohan Yadav in the assembly. His activism and effective working style generated a new awareness among young voters, resulting in widespread public support.

    Praveen Sharma’s appointment is a step that not only acknowledges his years of hard work and dedication but also provides a new direction for the youth. As the Chairman of the Youth Commission, his role will be instrumental in the effective implementation of policies and programs in the interest of the youth.

    It is believed that while fulfilling his new responsibilities as the Chairman of the Youth Commission, Praveen Sharma will serve as a crucial pillar in the overall development of the state by guiding and leading the youth through various programs and innovations. Under his leadership, the youth of Madhya Pradesh will not only make their mark but also be inspired to actively contribute to the development of society and the nation. This appointment is undoubtedly a significant step towards realizing the dreams of the youth, and we wish him a bright future.

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  • Greenman Viral Desai’s ‘Shahid Smriti Van’ Gains National Acclaim at IIT Bombay for Combating Industrial Pollution

    Greenman Viral Desai’s ‘Shahid Smriti Van’ Gains National Acclaim at IIT Bombay for Combating Industrial Pollution

    Surat (Gujarat) [India], May 2: Renowned environmentalist Viral Desai’s ‘Shahid Smriti Van’ has received national recognition for its ecological impact during the “National Environmental Conference” held at IIT Bombay. Experts from top institutions like NEERI and CPCB acknowledged the forest’s vital role in mitigating air pollution.

    Scientific Validation and Research Study

    The scientific validation came from a study titled “Effect of Dense Vegetation on PM Concentration in Industrial Area of Surat City,” conducted by Abhishek Patel and Rajeshree Kadachha under the guidance of Dr. Namrata Jariwala from SVNIT Surat.

    Using advanced Remote Sensing technology and real-time ground monitoring, the research demonstrated a significant reduction in PM 2.5 concentrations due to the dense vegetation of the Smriti Van in the Udhna industrial zone.

    Viral Desai

    Statement by Viral Desai

    Commenting on this, Greenman Viral Desai, who has developed seven urban forests to date, emphasized that the forest fulfills a dual purpose. It is truly serving as the ‘green lungs’ for the industrial belt of Surat,” Desai stated, while also honoring martyrs through his ‘one tree for one martyr’ initiative.

    A Benchmark in Urban Sustainability

    As a pioneer in urban sustainability, Desai’s work continues to set a national benchmark, backed by his distinction of winning the highest number of National Awards for energy conservation in India.

    Shahid Smriti Van – A Landmark in Urban Ecological Restoration

    Shahid Smriti Van stands as the first Miyawaki forest developed within Indian Railways and across South Gujarat, envisioned and created by environmentalist Viral Desai.

    What makes this transformation extraordinary is its origin… a former green waste dumping site at Udhna, once neglected and lifeless, now reborn into a thriving, dense urban forest.

    Planted in December 2019 over an area of 19,000 square feet, this forest is a living example of how degraded urban spaces can be rapidly converted into self-sustaining ecosystems using the Miyawaki method.

    Today, Shahid Smriti Van is not just a forest…it is a symbol of regeneration, resilience, and the power of Satyagraha against pollution and climate change.

  • Pulse 2026 at IMS Ghaziabad UCC — Two Days, Thirteen Events, and a Campus That Refused to Stand Still

    Pulse 2026 at IMS Ghaziabad UCC — Two Days, Thirteen Events, and a Campus That Refused to Stand Still

    From solo dancers to stand-up comedians, from rangoli artists to gaming champions — IMS Ghaziabad’s biggest cultural fest brought the whole country to one stage

    New Delhi [India], May 1: There’s a moment, usually somewhere around the second hour of Day 1, when a college fest stops being an event and starts being an experience. At IMS Ghaziabad’s University Courses Campus, that moment arrived early. By the time the Inaugural Ceremony wrapped up on the morning of March 19th, it was already obvious — Pulse 2026 wasn’t going to be ordinary.

    Held across March 19th and 20th, Pulse 2026 is the annual cultural extravaganza of IMS Ghaziabad UCC, and this year it carried a theme that felt genuinely intentional: Greener Choices, Brighter Future. Not just a tagline — it shaped everything from the event design to the energy on campus. There was something refreshing about a fest that asked its participants to think as well as perform.

    How It All Started

    Day 1 kicked off at 9 AM with participant registrations, but the real electricity came at 9:30 when the Assembly of Students filled the auditorium. By 10 AM, the Inaugural Ceremony was underway — and from that point, thirteen events spread across every corner of the campus simultaneously, turning IMS Ghaziabad UCC into something that felt less like a college and more like a small, very enthusiastic city.

    The Drishya Photography competition deserves a special mention here because it was the one event that didn’t stay in one place. It ran across the entire campus on both days — participants walking around with cameras, finding frames in staircases, canteens, corridors, and crowds. Some of the most interesting work came not from planned shots but from happy accidents. That’s usually how the best photography happens.

    Thirteen Events, One Campus, No Quiet Corners

    Nataraj — the solo dance competition — held the auditorium in complete silence between beats and complete chaos during them. There’s something uniquely vulnerable about solo performance, and the students who stepped up for Nataraj understood that. Every routine felt personal.

    Ghungroo, the group dance event held on the Main Stage outside, was the opposite — loud, synchronized, and full of that particular joy that only comes from moving in perfect time with people you’ve rehearsed with for weeks. The ground became a stage, and the crowd that gathered was enormous.

    Swaranjali and Surtaal covered the vocal spectrum — solo singing and duet singing respectively — and both events produced moments where the auditorium went genuinely quiet. Not awkward quiet. The kind of quiet where everyone is paying attention because they don’t want to miss anything.

    Rangmanch brought Nukkad Natak to the Atrium, and this might have been the most underrated event of the two days. Street theatre has a way of catching people off guard — you walk past and suddenly you’re standing there, watching, completely absorbed. Several of the performances carried real social commentary. The students weren’t just acting. They were saying something.

    Kalakriti took over the first and second floor corridors with rangoli, which meant that for most of Day 1, simply walking between classes meant passing through art. Mukhauta turned skin into canvas — the face painting competition produced work that ranged from delicate to dramatic. Aakriti had students hunched over paper with markers and pencils, doodling their way through a competition that rewarded imagination over technique.

    Maskhari — the stand-up comedy event — deserves its own paragraph, because stand-up is the hardest thing to do in front of a live audience and the easiest thing to do badly. The students who performed at Maskhari were neither bad nor playing it safe. The auditorium laughed. A lot. Genuinely.

    Prahaar gave the campus its competitive gaming moment on the 3rd floor, Srijan celebrated sustainability by challenging participants to create something meaningful out of waste, and Alankrita closed Day 1 with a fashion show on the Main Stage that ran from 4:30 PM all the way to 8:30 PM — a full runway production that ended with its own Valedictory Session right there under the open sky.

    The EcoVerse — When Alumni Come Back

    One of the quieter stories of Pulse 2026 was the presence of the EcoVerse — alumni of IMS Ghaziabad UCC who returned to campus not to compete, but to be celebrated. These are people who once stood in the same corridors, rehearsed in the same auditorium, and now came back to see what the campus has become.

    Rajat Gupta, BBA 2017–20, who once performed at Swaranjali. Navya Agarwal, BBA 2019–22, who represented Kalakriti. Sonam Agarwal, BBA 2004–07, one of the earliest alumni to have walked the Alankrita runway, back on the same grounds, two decades later. Madhav Garg, Aishwarya Samant, Shreyas Agnihotri, Rishi Oberoi, Vanshika Tomar, Anirudh Shamra, Khushboo Bharadwaj, Payodhi Chaturvedi, Sakshi Sarfaraz — each one carrying a chapter of this institution’s story, each one proof that what IMS Ghaziabad UCC builds doesn’t end at graduation.

    There’s something deeply moving about seeing a former student walk back through the same gates they once walked out of. It tells you that whatever happened here mattered enough to come back for.

    India Showed Up

    Pulse 2026 wasn’t a local event that happened to get some outside participants. It was genuinely national. Students travelled from Delhi NCR, Uttar Pradesh, Haryana, Rajasthan, Bengal, Odisha, Maharashtra, Chennai, and Tamil Nadu to be part of it. Every state brought its own competitive intensity and its own cultural flavor, and the campus absorbed all of it — somehow making everyone feel at home while simultaneously being the most high-energy place any of them had been in weeks.

    And Then Night Fell

    Day 2 saved its most spectacular moment for last. At 7 PM, as the events wound down and winners were being counted, the Main Stage lit up for Celebrity Night. Everything that had built up over two days — the nerves, the competition, the performances, the pride — all of it found its release in one grand, unscripted evening. Students who had spent the day as competitors stood together simply as an audience, and the campus felt, for a few hours, like the best possible version of itself.

    The Valedictory Session on Day 2 followed at 2:30 PM in the auditorium, bringing formal closure to the academic and competitive elements of the fest. But if we’re being honest, the real closing ceremony happened on the Main Stage after dark.

    What Pulse 2026 Actually Was

    It would be easy to describe Pulse 2026 as a cultural fest. Thirteen events, two days, hundreds of participants, cash prizes, certificates, applause — those facts are all true. But they miss the point slightly.

    What Pulse 2026 actually was, is a reminder. A reminder that students are not just the degrees they’re pursuing or the placements they’re chasing. They are performers, photographers, comedians, designers, dancers, storytellers, and entrepreneurs — and they deserve a stage large enough to show all of that at once.

    IMS Ghaziabad UCC built that stage. Pulse 2026 filled it.

    About IMS Ghaziabad University Courses Campus

    IMS Ghaziabad (University Courses Campus) is a premier institution with 36 years of academic excellence, holding AICTE approval, NAAC ‘A’ Grade accreditation, and UGC 12(B) status. Located at NH-9, Adhyatmik Nagar, Ghaziabad-201015, the campus offers programmes including BBA, BCA, BAJMC, and MIB, and is committed to developing future-ready professionals through academic rigour and holistic growth.

    Website: https://www.imsuc.ac.in/
    Helpline: 1800-102-1214

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  • India’s Waste Problem Was Always an Energy Opportunity – Organic Recycling Systems Saw It First!

    India’s Waste Problem Was Always an Energy Opportunity – Organic Recycling Systems Saw It First!

    Organic Recycling Systems has spent 18 years converting municipal solid waste, one of the hardest feedstocks in bioenergy, into clean fuel. As India mandates CBG blending across its gas networks, that depth of experience is becoming its most valuable asset.

    New Delhi [India], April 30: India generates over 62-72 million tonnes of municipal solid waste every year. Most of it rots in open dumps. A company from Navi Mumbai has spent 18 years turning that problem into an energy solution, and is only now beginning to get the attention it deserves.

    Organic Recycling Systems Limited started as a waste management firm. Today, it has transitioned into an integrated CleanTech and decarbonisation platform, converting agricultural waste, energy crops, and organic fraction of municipal waste into compressed biogas (CBG) and value-added products. The shift is not just in branding. In 2013, the company commissioned the first anaerobic digestion-based integrated MSW valorisation facility in Solapur, Maharashtra, at a time when most of the sector was still figuring out what was possible. 

    Sarang Bhand, the Promoter and Managing Director who has led the company since its inception, frames the opportunity in stark terms.

    Every tonne of municipal waste that goes into a landfill is a tonne of clean energy that India has to import instead. That is the equation we are trying to change.

      — Sarang Bhand, Promoter & MD, ORSL

    MSW is among the most complex feedstocks in the bioenergy value chain – heterogeneous, seasonally variable, and unforgiving of process errors. ORSL’s 18 years on this feedstock, across multiple states and project types, is reflected in its technology stack: 2 patents, 5+ proprietary technologies, and 7+ innovations currently in its R&D pipeline.

    ORSL serves leading clients such as Indian Oil Corporation and Bharat Petroleum, along with municipal corporations across the country.It has formal research partnerships with IIT Bombay and IIT Kharagpur, and was recently awarded a DBT-BIRAC grant of Rs 1.86 crore to develop India’s first BIO-CCU platform, a system that captures CO₂ from biogas plants and converts it into value-added fuels, in collaboration with both IITs. The company was listed on the BSE SME platform in 2023.

    India’s National Biofuels Coordination Committee has mandated 1% CBG blending in CNG and PNG networks from FY 2025-26, rising to 5 per cent by FY 2028-29.[2]For ORSL, 18 years of converting waste into energy may prove to be its most durable advantage.

    For more information, please visit: https://iisppr.org.in/waste-management-in-india-an-analysis-of-government-policies-and-outcomes/ | https://iocl.com/pages/satat-overview

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  • Received a DRT Notice? Know Your Legal Rights and Defences Under India’s Debt Recovery Law

    Received a DRT Notice? Know Your Legal Rights and Defences Under India’s Debt Recovery Law

    New Delhi [India], April 22: Each year, hundreds of thousands of individual borrowers, small business owners, and personal guarantors across India receive notices from Debt Recovery Tribunals — often without understanding that the law gives them significant rights, timelines to respond, and legal remedies that can fundamentally alter the outcome of recovery proceedings.

    Unified Chambers and Associates, a specialist debt recovery law firm appearing across all 39 Debt Recovery Tribunals and 5 Debt Recovery Appellate Tribunals in India, has published this guide to help borrowers, MSMEs, and guarantors understand what happens at DRT — and what they can do about it.

    What Is a DRT Notice and What Happens If You Ignore It?

    When a bank or NBFC files an Original Application (OA) against a borrower under Section 19 of the Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (RDDBFI Act), the DRT issues a notice to the borrower requiring a response.

    Ignoring a DRT notice is the single costliest mistake a borrower can make. If no written statement is filed within the time permitted, the DRT may proceed ex parte — deciding the matter based solely on the bank’s version. An ex parte Recovery Certificate can be issued, authorising the Recovery Officer to attach and sell the borrower’s property, arrest the borrower, and take all steps permissible under the Code of Civil Procedure to recover the debt.

    A borrower who has received a DRT notice has 30 days from service to file a written statement. This deadline can be extended by the Presiding Officer on sufficient cause.

    Your First Line of Defence: The Written Statement

    The written statement is the borrower’s formal response to the bank’s Original Application. It is not merely a denial — it is the document that places every available legal defence on record before the DRT.

    Key defences that borrowers and MSMEs commonly raise include:

    Limitation: The RDDBFI Act read with the Limitation Act, 1963 requires banks to file their OA within three years of the debt becoming due. If the bank has delayed filing, a limitation defence can result in the OA being rejected entirely.

    Wrong debt quantification: Banks frequently include penal interest, service charges, or insurance premiums that are not legally recoverable under the loan agreement. The written statement can challenge each head of the claimed amount.

    Improper NPA classification: Reserve Bank of India Master Directions specify precise criteria for classifying a loan account as a Non-Performing Asset. A premature or procedurally defective NPA classification is a valid ground of challenge.

    Defective notice under SARFAESI: If the DRT proceedings are linked to a SARFAESI enforcement, procedural defects in the Section 13(2) demand notice — incorrect outstanding amount, wrong borrower name, improper service — can be raised.

    If the Bank Is Taking Possession: Section 17 of SARFAESI

    When a secured creditor (bank or NBFC) takes action to seize mortgaged property under Section 13(4) of the SARFAESI Act — by issuing a possession notice or taking symbolic or physical possession — the borrower has a specific remedy before the DRT.

    Under Section 17 of the SARFAESI Act, any person aggrieved by a secured creditor’s enforcement action may approach the DRT within 45 days of the date the enforcement measure was taken. This is a strict deadline. Missing it bars the borrower from challenging the SARFAESI action before the DRT.

    The Section 17 application can seek:

    • Stay on the bank’s possession and sale proceedings
    • Restoration of possession if the property has already been taken
    • Compensation for wrongful SARFAESI action
    • Reduction in the reserve price set for the auction

    Critically, banks cannot forcibly take physical possession of property without a court order. Under Section 14 of the SARFAESI Act, physical possession requires an order from the Chief Metropolitan Magistrate (CMM) or District Magistrate (DM). A borrower whose property is being forcibly seized without a CMM/DM order has grounds for an urgent Section 17 application.

    The Borrower’s Counter-Claim

    Section 19(8) of the RDDBFI Act permits a defendant borrower to file a counter-claim against the bank within the same DRT proceedings. Counter-claims have been successfully raised in cases involving:

    • Excess interest charged in violation of the loan agreement
    • Wrongful invocation of a guarantee
    • The bank’s failure to release the security after repayment
    • Losses caused by wrongful SARFAESI action

    A well-drafted counter-claim creates negotiating leverage — and can, in appropriate cases, reduce the net amount the borrower owes.

    Personal and Promoter Guarantors: Know Your Exposure

    Guarantors — whether family members who co-signed a home loan or promoters who gave personal guarantees for company borrowings — are equally liable at DRT. The bank can file the OA against both the principal borrower and guarantors simultaneously.

    Guarantors have specific defences under the Indian Contract Act, 1872. Section 133 provides that a guarantor is discharged if the creditor varies the terms of the principal contract without the guarantor’s consent. If the bank restructured the loan, changed interest rates, or granted additional facilities after the guarantee was given — without obtaining fresh consent from the guarantor — the guarantee may be void.

    Promoter-guarantors facing insolvency of their company under the Insolvency and Bankruptcy Code face additional complexity, as the Supreme Court has clarified that personal guarantee proceedings are separate from the corporate insolvency resolution process.

    Settlement During DRT Proceedings

    DRT proceedings do not prevent settlement. An One-Time Settlement (OTS) — governed by the RBI’s June 2023 Master Framework on Compromise Settlements — can be negotiated at any stage of DRT proceedings, including after a Recovery Certificate is issued. A settlement deed executed between the bank and borrower can be placed before the DRT, which will dispose of the OA on those terms.

    Experienced debt recovery counsel can identify the bank’s settlement appetite from the procedural posture of the case — and negotiate terms that would not be available without legal representation.

    Appeal to DRAT: Last Resort With a Heavy Condition

    A borrower aggrieved by a DRT order may appeal to the Debt Recovery Appellate Tribunal under Section 20 of the RDDBFI Act within 30 days of the order. However, under Section 21(1), the DRAT will not entertain the appeal unless the borrower deposits 75% of the debt amount determined by the DRT. This pre-deposit requirement makes DRAT appeal a measure of last resort — underscoring the importance of building a strong defence at the DRT stage itself.

    About Unified Chambers and Associates

    Unified Chambers and Associates is India’s specialist debt recovery law firm with dedicated practices in DRT defence, SARFAESI Section 17 challenges, promoter-guarantor representation, and OTS negotiations. The firm appears at all 39 DRTs across India and is recognised among the leading debt recovery law firms in India for both institutional creditors and borrowers facing recovery action. Offices at Delhi High Court Complex, Mumbai, and Dubai.

    Website: www.unifiedchambers.com
    WhatsApp: +91 84008 60008
    Email: legal@unifiedchambers.com

    This article is for informational purposes only and does not constitute legal advice.

  • Vipul Joshi & Associates expands Immigration Law Services in Surat

    Vipul Joshi & Associates expands Immigration Law Services in Surat

    Firm led by American Immigration Lawyers’ Association member Vipul Joshi specialises in US and Canada inbound immigration

    Surat (Gujarat) [India], April 18: Noted immigration law firm Vipul Joshi & Associates has announced the expansion of its services in Surat. The firm is led by Vipul Joshi, a member of the American Immigration Lawyers Association (AILA), who brings over two decades of experience in immigration law.

    Vipul Joshi & Associates follows international standards of immigration practice and has developed specialised expertise in inbound immigration matters relating to the United States, Canada and India.

    The firm has handled more than 100 substitution cases, including complex scenarios where applications were cancelled following the death of the original applicant. In such cases, it has successfully facilitated the continuation of applications through legal mechanisms such as the addition of joint sponsors. The firm also has significant experience in handling complex waiver cases.

    Speaking on the occasion, Vipul Joshi said the firm has worked with clients across diverse industries and has assisted diamond traders from Surat and across Gujarat in filing L-1 and EB-5 petitions. He said that at the international level, the firm has supported Romanian nationals in obtaining Indian business visas and subsequently assisted them in securing X-1 visas following marriage to Indian citizens. It has also provided assistance to Zimbabwean nationals in securing business visas, he added.

    In addition, the firm offers services related to Overseas Citizenship of India (OCI) renunciation and OCI applications. It has helped clients navigate visa refusals in countries including Russia, the United Kingdom and Dubai, enabling successful outcomes in subsequent applications. Based on client requirements, the firm also provides guidance on Poland and Schengen visas, although this is not its primary area of focus.

    The firm emphasises a client-centric approach, undertaking detailed background checks for each case and maintaining transparency regarding potential challenges and realistic outcomes.

    Vipul Joshi & Associates, which operates an office in Mumbai, marked its second anniversary on April 9. It also launched its first official newsletter on the same day.