Apex Advisory Request an assessment

Financial risk · Recovery · Resolution — India

Recover what is owed.
Defend what is exposed.

Apex Advisory structures and drives recovery, distressed-asset resolution and insolvency strategy for enterprises, financial institutions, promoters and private capital — from first demand to final realisation.

Request a confidential assessment See how we charge

Six verticals

Recovery, security enforcement, insolvency, title, protective relief and declaratory work under one mandate.

Conflict check first

Every adverse party is screened before a single document is opened.

Fees before work

A written fee schedule is agreed and annexed before the engagement begins.

Data handled to statute

Records held under the IT Act, 2000 and the DPDP Act, 2023.

The mandate

Money in dispute
is a balance-sheet
problem first.

A dishonoured cheque, a stalled receivable, a classified account, a contested title — each of these reaches the courts only after it has already reached the accounts. We work the commercial position and the procedural position together, because one without the other is how good claims turn into long ones.

Apex Advisory is an independent consultancy advising on financial exposure, recovery strategy and distressed-asset resolution across India. We build the file, quantify the exposure, run the limitation and enforcement analysis, and instruct and manage empanelled counsel where representation before a court or tribunal is required. The client keeps a single point of accountability throughout.

  • i

    Realisation, not activity

    The measure of a recovery mandate is money recovered, net of what it cost to recover. We will tell you when a claim is not worth pursuing, and we will tell you early.

  • ii

    Limitation is strategy

    Most value is lost to the calendar, not to the merits. Every file opens with a limitation and enforcement audit before anything is drafted.

  • iii

    Priced before it starts

    Scope, stages and fees are fixed in writing at the outset. Statutory charges are billed at actuals against verified receipts — never marked up.

Practice verticals

Six positions we are built to hold.

Each vertical covers advisory, documentation and strategy end to end. Where a matter requires appearance before a court or tribunal, it is conducted through empanelled counsel instructed and supervised by us.

01 — Dishonoured instruments

Cheque dishonour & recovery

Turning a returned instrument into a realisable claim, on the clock that Section 138 imposes.

  • Statutory demand notice drafted and issued within 30 days of the return memo
  • Complaint prepared and filed before the competent Magistrate
  • Interim compensation applied for under Section 143A — up to 20% of instrument value
  • Summary trial strategy, evidence management and cross-examination briefing
  • Structured settlements, compounding under Section 147 and post-settlement closure

Statutory frameworkNegotiable Instruments Act, 1881 · BNSS / CrPC · Bharatiya Sakshya Adhiniyam / Indian Evidence Act

02 — Receivables

Commercial debt recovery

Contractual claims, outstanding invoices and enforcement of decrees against real assets.

  • Summary suits under Order 37 CPC on written contracts, bills and acknowledgements
  • Recovery proceedings for commercial dues, invoices and damages
  • Specific performance where the contract, not the money, is the asset
  • Breach, indemnity enforcement and quantification of loss
  • Execution under Order 21 CPC — attachment, garnishee and asset tracing

Statutory frameworkCode of Civil Procedure, 1908 · Indian Contract Act, 1872 · Specific Relief Act, 1963 · Commercial Courts Act, 2015

03 — Real assets

Title diligence & property disputes

Establishing what an immovable asset is actually worth before capital is committed to it — and defending it after.

  • Thirty-year title search, encumbrance verification and diligence report
  • Partition of ancestral and joint family holdings
  • Possession, ejectment and boundary determination
  • Injunctions against dispossession, unauthorised construction and parallel sale
  • RERA proceedings, builder–buyer disputes and tenancy matters

Statutory frameworkTransfer of Property Act, 1882 · Registration Act, 1908 · RERA, 2016 · applicable rent control legislation

04 — Protective relief

Declarations, decrees & injunctions

Emergency and status-fixing remedies — used when the position must be frozen before it can be argued.

  • Declaration of title, heirship and the validity of deeds and instruments
  • Temporary injunctions under Order 39 Rules 1 & 2 CPC
  • Perpetual and mandatory injunctions against continuing wrongs
  • Challenges to fraudulent conveyance, forged powers of attorney and void decrees
  • Execution of declaratory judgments and judicial directions

Statutory frameworkSpecific Relief Act, 1963 (ss. 34, 38–42) · Code of Civil Procedure, 1908 · Limitation Act, 1963

05 — Distressed credit

NPA resolution, SARFAESI & DRT

Both sides of the enforcement line — defending borrowers against irregular action, and recovering for lenders.

  • Challenges to demand notices under s. 13(2) and possession notices under s. 13(4)
  • Securitisation applications under s. 17 before the DRT to stay irregular auction sales
  • Recovery applications under s. 19 RDDBFI for financial institutions
  • Appeals before the DRAT under s. 18 SARFAESI
  • One-time settlement structuring, restructuring proposals and consent terms

Statutory frameworkSARFAESI Act, 2002 · RDDBFI Act, 1993 · RBI directions on resolution of stressed assets

06 — Corporate distress

Insolvency & restructuring — NCLT

Creditor strategy, debtor defence and the commercial arithmetic of a resolution plan.

  • CIRP petitions under s. 7 (financial creditors) and s. 9 (operational creditors)
  • Defence of corporate debtors against petitions filed as pressure
  • Claim filing with the resolution professional and representation on the CoC
  • Oppression and mismanagement petitions under ss. 241–242, Companies Act, 2013
  • Schemes of arrangement, amalgamation and reduction of share capital

Statutory frameworkInsolvency and Bankruptcy Code, 2016 · Companies Act, 2013 · NCLT Rules, 2016

Engagement & fees

You will know the price
before you know the strategy.

Four engagement models. The right one is chosen at the outset and annexed to the engagement agreement as a written schedule. Ranges reflect complexity, forum and volume — the figure applicable to your matter is fixed in writing before any work is taken up.

Model 01 — Hourly / session

Advisory & consultation

For feasibility audits, document review and strategy mapping, where you need a position rather than a filing.

Consultation, in person or virtual₹2,500 – ₹7,500 / hr
Comprehensive risk audit & written opinion₹15,000 – ₹35,000

Model 02 — Fixed fee

Pre-action & drafting

Flat pricing for standardised instruments, notices and diligence, where scope is known in advance.

Statutory demand notice, drafted & issued₹3,500 – ₹10,000
Title search & diligence report, per asset₹15,000 – ₹50,000
Plaint, written statement or petition₹20,000 – ₹60,000

Model 03 — Stage linked

Milestone engagement

For contested matters before the DRT, NCLT and commercial courts. Payment follows procedural progress, not calendar time.

Stage 1 — preparation, drafting, interim relief40%
Stage 2 — pleadings, issues, evidence40%
Stage 3 — final arguments, judgment, execution20%

Model 04 — Retainer

Standing advisory

Continuous cover for contract review, exposure monitoring and dispute triage across a portfolio.

SME & growth-stage retainer₹35,000 – ₹75,000 / mo
Enterprise & institutional retainer₹1,50,000+ / mo
Indicative schedule by matter type
Matter Professional fee (INR) Payment milestone
Cheque dishonour proceedings₹15,000 – ₹45,00050% on engagement, 50% post-filing
Commercial recovery & summary suits₹35,000 – ₹1,20,000Stage linked — 40 : 40 : 20
Title diligence & property audit₹15,000 – ₹50,000Full fee on assignment
SARFAESI s. 17 & DRT proceedings₹50,000 – ₹2,00,000Stage linked — filing, then arguments
Insolvency petitions & CIRP claims₹75,000 – ₹3,50,000Stage linked to adjudication

Out-of-pocket charges. Court fees, stamp duty, process fees, counsel fees, commissioner expenses, certified copies, typing and outstation travel are statutory or third-party charges. They are billed strictly at actuals against verified receipts and carry no mark-up. Ranges above are indicative and are superseded by the written schedule annexed to your engagement agreement.

How an engagement runs

Five steps, in this order,
every time.

The sequence is fixed because each step protects the one after it. Nothing is drafted before limitation is checked, and nothing is filed before you have read it.

01Day 0

Inquiry and conflict screening

You share a short, non-confidential summary of the dispute and the parties involved. We screen every named adverse party against existing mandates. If a conflict exists, we say so and stop — before you have disclosed anything sensitive.

02Days 1–5

Pre-audit and limitation scrutiny

Return memos, demand notices, title deeds, loan documents, ledgers and correspondence are examined against the applicable limitation periods and enforcement routes. You receive a written position on whether the claim is live, what it is realistically worth, and what it will take.

03On approval

Engagement agreement and authority

The master engagement agreement is executed with the fee schedule annexed, along with the authority to act. Execution by electronic signature is valid under Section 10A of the Information Technology Act, 2000.

04Drafting

Drafting and pre-filing review

Notices, pleadings and petitions are drafted, then sent to you in full for review and verification before anything leaves our office. No document is filed on your behalf that you have not seen.

05Ongoing

Filing, representation and reporting

Filing before the competent court, DRT or NCLT bench, with service, listing and hearing tracked throughout. Representation is conducted by empanelled counsel we instruct and supervise. You receive a written update after every effective hearing.

Assurance

The terms that protect you,
stated plainly.

These are the operative clauses of our engagement agreement, in ordinary language. The agreement itself governs.

Confidentiality

Privileged and closed

Records, communications, strategy notes and financial information are confidential and protected under Section 132 of the Bharatiya Sakshya Adhiniyam, 2023 (Section 126, Indian Evidence Act, 1872). Disclosure occurs only where compelled by law or a court order.

Data protection

Held to statute

Client data, evidence files and identity records are held under reasonable security practices required by Section 43A of the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023. Digital transmission carries inherent risk, and we say so rather than promising otherwise.

Outcomes

No guarantee, ever

Proceedings turn on judicial interpretation, evidence, testimony and discretion. We commit to strategy and diligence. Anyone who guarantees you a decree, a recovery figure or a timeline is selling you something we will not sell.

Liability

Capped and disclosed

Aggregate liability for any error or breach is capped at the professional fees actually received for that matter. Indirect, consequential and punitive damages are excluded, to the extent Indian law permits.

Exit

You can leave

Either party may terminate on fifteen days' written notice. On settlement of outstanding invoices, original papers are returned and a no-objection certificate is issued for substitution — without delay and without argument.

Disputes

Arbitration, then courts

Disputes under the engagement agreement go to a sole arbitrator appointed by mutual consent under the Arbitration and Conciliation Act, 1996, seated at [City, State], in English. Subject to that, the civil courts at [City, State] have exclusive jurisdiction.

Contact

Start with the facts.
We will tell you if you have a case.

Send a short summary of the dispute and the parties. You will receive a conflict-screening outcome and an indicative position, in writing, without obligation.

  • OfficeF-01, Zoom Plaza Premises Co-Op Society Ltd., Gorai Road, Near Gorai Depot, Borivali (West), 400 092.By appointment only
  • Direct line+91 98209 59999Monday to Saturday, 10:00 – 19:00 IST
  • Emailapexdipesh@gmail.comEncrypted attachments accepted
  • Document exchangeSecure link issued on engagementFiles are never requested over unencrypted channels

Request a confidential assessment

Non-confidential summary only at this stage. Do not attach privileged documents until conflict screening is complete.

Sending this does not create an advisory relationship.

Received. You will hear from us within one working day.