About Us
Who We Are
SEOK Consultancy Services Private Limited
Welcome to Seok Consultancy Services Private Limited, a professionally managed enforcement and debt recovery service provider based in Gujarat. We work with banks and financial institutions to support the resolution and recovery of outstanding loans and stressed assets through a structured, professional and result-oriented approach.
Our objective is to assist financial institutions in addressing overdue and non-performing loan accounts while maintaining professionalism, compliance and the reputation of the institution. We believe that effective recovery is not only about recovering outstanding dues, but also about understanding the circumstances of the borrower and pursuing an appropriate resolution wherever possible.
Our experienced team brings practical knowledge of enforcement, debt recovery, asset verification, field-level execution and resolution support. With a strong understanding of the recovery environment, we are equipped to handle assignments with discipline, efficiency and professionalism.
Our business model is built around a humane yet firm approach to debt resolution. We believe in finding practical solutions where cooperation is possible and taking appropriate enforcement measures where necessary and legally permissible.
Our operations are built on three core pillars:
People
Experienced resolution counselors and field enforcement experts equipped to negotiate respectfully and effectively.
Process
A systematic, law-abiding, and disciplined approach to resolving unpaid loans and stressed assets.
Technology
Equipped with advanced tracing databases, secure reporting infrastructure, and communication tools.
Board of Directors & Leadership
Visionary leadership driving legal enforcement, SARFAESI asset recovery, and institutional trust across India.
Managing DirectorSuresh Kushvaha
Founder & Managing DirectorFounder of the organization with extensive industry experience. Built and developed the organization with vision, leadership, and a commitment to excellence.
DirectorSandeep Kushwaha
Director – OperationsLeading the organization’s operations with a focus on enforcement, recovery, physical possession execution, and legal coordination.
Legal HeadMrs. Arpita Kushwaha
Legal Advisor / Advocate (B.Com., M.Com., LL.B., LL.M.)5+ years of legal experience with 200+ matters handled, including DRT and High Court cases, with a focus on SARFAESI Act and recovery.
Approach to Debt Resolution
Our approach begins with understanding the nature of the default and the borrower's willingness to resolve the outstanding obligation.
Cooperative Resolution
Where the borrower is willing to cooperate, our resolution team works towards identifying suitable and practical options for addressing the default. Depending on the circumstances and the applicable policies of the financial institution, these may include structured repayment arrangements, settlement, extension of repayment timelines or foreclosure through the sale of collateral with the borrower's cooperation.
The proposed resolution is evaluated based on the borrower's financial position, the interests of the financial institution and the applicable legal and regulatory framework.
Enforcement Measures
Where the borrower is unwilling to cooperate or resolution efforts do not produce the desired outcome, appropriate enforcement measures may be pursued in accordance with applicable laws, procedures and instructions of the concerned financial institution.
Strict execution through lawful enforcement, Section 14 magistrate orders, physical possession, and bank auction procedures.
Tools & Legal Framework for Debt Recovery
Our assignments may involve processes and proceedings governed by applicable laws and regulations, including:
- Recovery of Debts and Bankruptcy Act, 1993
- Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act)
- Code of Civil Procedure, 1908
- Indian Contract Act, 1872
- Specific Relief Act, 1963
- Negotiable Instruments Act, 1881
- Companies Act, 2013
- Transfer of Property Act, 1882
- Other applicable laws, rules, regulations and prevailing legal procedures
Asset Verification & Resolution
We provide asset verification, enforcement support and resolution-related services for secured and unsecured loan accounts.
Our experience enables us to assist financial institutions across a broad range of loan categories, including industrial loans, commercial loans, housing loans, retail loans and other secured or stressed assets.
Comprehensive Verification
Our asset-related services focus on gathering relevant information, supporting verification processes and assisting the concerned institution in taking appropriate steps towards resolution and recovery.
Tailored Account Strategy
We understand that every account has its own circumstances. Therefore, our approach is structured according to the nature of the asset, the status of the account, available information and the requirements of the concerned financial institution.
Infrastructure & Operational Capabilities
Seok Consultancy Services Private Limited is supported by a structured operational infrastructure designed to handle recovery and enforcement assignments efficiently and promptly.
Our team and resources enable us to undertake assignments involving:
- Debt Recovery & Collection Support
- Enforcement Assistance
- Asset Verification
- Field Verification
- Investigation Support
- Skip Tracing
- Borrower & Asset Information Gathering
- Possession Support
- Resolution Assistance
- Documentation & Process Coordination
- Other Allied Recovery Services
Field Network & Stakeholder Coordination
We have an established field network and operational resources to support assignments across multiple locations. Our organization also maintains coordination with relevant local stakeholders and authorities wherever required for the lawful and effective execution of assignments entrusted to us.
Institutional Conduct & Confidentiality
We work closely with banks and financial institutions to support the execution of recovery and enforcement processes while maintaining professional conduct, confidentiality and the institutional image of our clients.
Resources, Security & Investor Network
Our infrastructure includes experienced operational personnel, technology-enabled communication and reporting systems, professional support resources, security arrangements and access to a network of prospective buyers and investors for asset-resolution requirements.
Possession & Panel Legal Execution
Where required, we coordinate with panel advocates and other professional resources for legal and procedural requirements. We assist in symbolic and physical possession, and execution of orders of competent authorities strictly under legal guidelines.
SEOK Real Estate – Bank Auction Property Services
Seok Real Estate is the property and asset marketing division of our organization, focused on assisting banks, financial institutions, investors and prospective buyers in relation to bank auction and distressed properties.
We work as a professional marketing and facilitation platform for properties offered through bank auctions and other authorized sale processes. Our objective is to make the bank auction property buying process more accessible, organized and transparent for prospective buyers.
Bank-auction properties may include:
We assist prospective buyers in understanding the auction process and provide guidance throughout the various stages, from identifying suitable properties to understanding auction requirements and completing the necessary procedures.
Our Guided End-to-End Process Flow:
What Are Bank Auction Properties?
Bank-auction properties are assets offered for sale by banks or financial institutions to recover outstanding dues from borrowers, generally after the lender has initiated the applicable recovery and enforcement process.
Such properties may be offered through public auctions conducted in accordance with the applicable law, regulatory framework and terms and conditions specified by the concerned financial institution.
Attractive Pricing & Value Opportunity
Depending on the property, location, condition, auction terms and market circumstances, bank-auction properties may sometimes be available at prices that are different from prevailing market values. However, the actual price and value of every property depends on several factors and should be independently evaluated by the prospective buyer.
Careful Consideration & Due Diligence
Bank-auction properties can offer opportunities for individuals, businesses and investors looking for residential, commercial or industrial assets. At the same time, purchasing an auction property requires careful consideration of the auction notice, property documents, title-related information, possession status, outstanding dues, applicable terms and conditions, and other relevant factors.
At Seok Real Estate, our objective is to help prospective buyers better understand the bank-auction process and assist them through the procedural requirements involved in participating in an auction.
We provide guidance regarding auction participation, registration, required documentation, bidding procedures and post-auction processes, subject to the terms and conditions prescribed by the concerned bank or financial institution.
Our Commitment
At Seok Consultancy Services Private Limited, we believe that successful recovery requires more than a conventional approach. It requires experience, disciplined execution, professional coordination and a clear understanding of the enforcement and recovery environment.
With our operational capabilities, experienced team and structured approach, we strive to become a trusted service partner for banks and financial institutions in their recovery, enforcement and asset-resolution requirements.