Anjaneya Pramana
Legal Associates in Patna

Adv. Sachin Kumar is the Founder and Managing Advocate of Anjaneya Pramana Legal Associates, a Patna-based law firm committed to delivering strategic, ethical, and result-oriented legal solutions. He is a practicing advocate with substantial experience in Service, Education, Industrial Disputes, Banking and Financial litigation, SARFAESI proceedings, and Civil-Commercial disputes, representing clients before the Hon’ble High Court of Patna and Hon’ble Supreme Court, Debt Recovery Tribunal (DRT), Real Estate (Regulation and Development) Act, and various Civil and Criminal courts.

With a focused practice in recovery and enforcement matters, Adv. Kumar has been actively involved in representing Banks, Financial institutions, and Individual Clients in complex legal proceedings. His approach combines strong legal acumen with practical strategy, ensuring effective resolution of disputes within the framework of law.

Areas of Expertise

• Civil/Criminal Writ Matters
• Criminal Matters (Bail, Quashing, Trial)
• Matrimonial Matters
• Civil & Commercial Litigation
• Arbitration & Dispute Resolution
• Property & Real Estate Matters
• All kind of Industrial Disputes Matter

Court Practice

• Hon’ble High Court & Supreme Court
• Debt Recovery Tribunal (DRT) & Appellate Tribunal (DRAT)
• Real Estate Regulating Authority (RERA) & Appellate Tribunal (REAT)
• District Teacher Appellate Court
• Integrated Child Development Services (ICDS)
• Micro, Small, and Medium Enterprises (MSME)
• Civil & Criminal Courts

Professional Experience Highlights

• Represented banks and financial institutions in recovery proceedings and enforcement action.
• Handled matters under the SARFAESI Act, including possession and recovery disputes.
• Appeared Before Hon’ble High Court of Patna, Supreme Court in Writ Jurisdiction Matters, Criminal Jurisdictional Matters.
• Drafted Legal Notices, Loan agreements, Petitions, and Written submissions.
• Appeared in diverse civil and commercial litigation matters, matrimonial, mediation, and at various Tribunals.

Education & Enrollment

• B.A. LL.B.
• Diploma in Cyber Law.
• Enrolled with the Bar Council of Bihar.

Founder’s Vision

As the Founder of the firm, Adv. Sachin Kumar envisions building a client-centric legal practice grounded in integrity, efficiency, and practical legal solutions. His objective is to provide timely and effective legal services while maintaining the highest standards of professional ethics and client confidentiality.

• Professional Profile: A dedicated Advocate with a strong inclination toward civil and criminal litigation and practical legal strategy.
• Practical Exposure: Has gained substantial exposure through her practice at the Patna High Court, District Courts, and the Debt Recovery Tribunal (DRT).
• Core Responsibilities: Actively involved in drafting pleadings, conducting legal research, preparing case briefs, and assisting in client handling.
• Work Ethic: Her work is marked by precision, diligence, and a sound understanding of procedural and substantive law.
• Skills & Approach: Proficient in English and Hindi and brings strong legal acumen, analytical ability, and professional communication skills, reflecting a focused and committed approach toward building a career in the legal profession.

• Role & Focus: An advocate engaged in litigation and advisory work, with a strong focus on civil, criminal, and family law matters.
• Court Practice: Regularly assists in the preparation and handling of cases before the Hon'ble Patna High Court, District Courts, and other forums, with particular attention to drafting and procedural aspects.
• Core Responsibilities: Specializes in detailed legal research, preparation of pleadings, and providing comprehensive assistance in court proceedings.
• Approach: Approaches each matter with a practical understanding of legal issues, placing a strong emphasis on clarity and precision in drafting.

• Professional Background: A motivated and detail-oriented professional, currently pursuing M.Com, with a strong foundation in Accounting and Financial Management. His preparation for competitive examinations has strengthened his analytical abilities, awareness of current affairs, and disciplined approach to problem-solving.
• Current Role: Working as a Legal Firm Manager, overseeing legal operations, managing client relationships, and coordinating team activities. He has developed expertise in ensuring smooth execution of legal processes, maintaining compliance, and enhancing operational efficiency within the firm.
• Key Strengths: Possesses key strengths in team management, strategic planning, and problem-solving, enabling him to effectively handle complex matters while maintaining high standards of client service. Committed to building structured systems and improving workflows.
• Academic Engagements: Actively participated in academic forums, including presenting at a National Conference on “Business Research in Contemporary Times.” Earned certification from a seminar on the New Education Policy 2020 and Personality Development.
• Vision: With a keen interest in the legal profession, he combines innovative thinking with a commitment to excellence, seeking opportunities to further develop his skills and make a meaningful contribution to the organization.

• Academic Background: Suraj Kumar is a dedicated undergraduate student currently pursuing a Bachelor of Arts (B.A.) with Honours in Economics (2025–2029). He completed his High School education from Utter Serthu in 2023 and is presently enrolled at U.H.S. Utter Serthu, where he is in his second semester. With a strong academic foundation and a focused interest in Economics, he is developing analytical and research-oriented skills that contribute to his growing professional outlook.
• Certifications & Skills: In addition to his academic pursuits, he has successfully completed the Kushal Yuva Program (KYP) under the Bihar Skill Development Mission, where he earned certifications in BS-CIT (67.00%), BS-CLS (85.33%), and BS-CSS (81.63%). This accomplishment reflects his proficiency in information technology, language skills, and soft skills, further strengthening his overall competence. Suraj demonstrates discipline, commitment, and a keen willingness to learn, making him a promising individual in his academic and professional journey.
• Role & Responsibilities: Responsible for managing day-to-day administrative and clerical tasks of the office, including maintaining case files, handling documentation, organizing records, assisting in drafting and filing, coordinating with clients and court staff, and ensuring smooth workflow within the office.

The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act, 2002, is a potent tool for banks and financial institutions to recover non-performing assets (NPAs) without the intervention of the court. However, borrowers also have substantial rights that need to be protected.

The 60-Day Notice Period (Section 13(2))

When a loan account is classified as an NPA, the bank will issue a notice under Section 13(2) of the SARFAESI Act. This gives the borrower 60 days to clear their dues. Action point: You have the right to reply to this notice within the 60 days, raising your objections. The bank is legally bound to reply to your objections within 15 days.

Symbolic vs. Physical Possession (Section 13(4))

If the borrower fails to pay within 60 days, the bank can take "symbolic possession" of the secured asset by publishing a notice in newspapers. Later, they may approach the District Magistrate (DM) or Chief Metropolitan Magistrate (CMM) for physical possession. It is critical to engage legal counsel at this stage before physical possession is lost.

Your Right to Appeal (Section 17)

Under Section 17 of the Act, a borrower or any aggrieved person can approach the Debt Recovery Tribunal (DRT) by filing a Securitisation Application (S.A.) within 45 days of any action taken by the bank under Section 13(4). The DRT has the power to restore possession to the borrower if the bank's actions are found to be legally flawed.

Filing for divorce can be a mentally and emotionally exhausting process. However, if both spouses mutually agree that the marriage has broken down irretrievably, a Mutual Consent Divorce under Section 13B of the Hindu Marriage Act, 1955, is the most peaceful and expedited way to part ways.

Prerequisites for Mutual Consent

• The parties must have lived separately for at least one year.
• Both parties must mutually agree that they cannot live together.
• Both parties must consent to the dissolution of the marriage without any coercion or undue influence.
• Issues regarding alimony, child custody, and property division must be settled mutually before filing.

The "First Motion"

The process begins by filing a joint petition (the First Motion) in the Family Court. Both parties must be present to record their statements before the judge. After hearing both spouses and scrutinizing the petition, the court passes an order on the First Motion.

The Cooling-Off Period and "Second Motion"

The law mandates a 6-month "cooling-off" period between the First and Second Motion to allow the couple time to reconsider their decision. However, the Supreme Court has ruled that this period can be waived off in exceptional circumstances. After the cooling-off period (or its waiver), the parties file the Second Motion, leading to the final decree of divorce.

Real estate investments involve a significant amount of capital, making it imperative to exercise extreme caution. Property disputes in Bihar often arise due to forged documents, double selling, or inheritance conflicts. The most vital safeguard against such disputes is conducting a thorough Title Search.

What is a Title Search?

A Title Search is a comprehensive examination of public records to determine and confirm a property's legal ownership and discover any encumbrances, liens, or claims attached to it. It establishes the "Chain of Title"—the historical sequence of historical transfers from the original owner to the current seller.

Key Documents to Verify

• Sale Deeds / Conveyance Deeds: To verify the current seller's rightful ownership.
• Encumbrance Certificate (EC): Issued by the Sub-Registrar's office, an EC confirms whether the property is free from legal or financial dues.
• Mutation Extracts (Dakhil Kharij): Ensuring the property is mutated in the municipal records in the name of the seller.
• Approved Layout Plans: Ensuring the property complies with local land use zones and RERA regulations.

Why You Need a Legal Expert

Interpreting revenue records, understanding local land laws, and identifying hidden legal defects require specialized expertise. An experienced real estate advocate can draft a comprehensive Due Diligence Report, safeguarding you from future litigation and financial ruin.