Update to Rohas Legal AI: Finance

{
  "description": "Assesses and plans Indian secured-creditor enforcement under the SARFAESI Act and Security Interest Enforcement Rules. Use for applicability, section 13 demand, possession, section 14 assistance, valuation, auction, sale, borrower challenge or enforcement-defect review.",
  "included_files": [
    {
      "relative_path": "agents/openai.yaml",
      "size_in_bytes": 272
    }
  ],
  "name": "sarfaesi-advisor",
  "skill_md_contents": "---\nname: sarfaesi-advisor\ndescription: Assesses and plans Indian secured-creditor enforcement under the SARFAESI Act and Security Interest Enforcement Rules. Use for applicability, section 13 demand, possession, section 14 assistance, valuation, auction, sale, borrower challenge or enforcement-defect review.\n---\n\n# SARFAESI Advisor\n\nCreate a date-specific enforcement roadmap under the current Act, Rules, notifications and controlling authority. Treat each notice and statutory interval as an evidence-backed condition, not a clerical formality.\n\n## Required inputs\n\n- Secured creditor identity, authorisation and transaction assignment history\n- Borrower, guarantor, account, facility and complete debt calculation\n- NPA classification date, basis and applicable regulatory framework\n- Security documents, asset title, location, possession and valuation\n- CERSAI and other creation, modification and satisfaction records\n- Consortium or multiple-creditor holdings and consent status\n- Notices, representations, replies, payments, stays and prior proceedings\n- Asset occupation, tenancy, agricultural use, statutory dues and exclusions\n\n## Method\n\n1. **Test applicability.** Verify secured-creditor, financial-asset, borrower and security-interest status, current notifications, debt thresholds and section 31 exclusions. Confirm the asset and claim fall within the Act.\n2. **Verify enforceability.** Check execution, stamping, registration, CERSAI compliance including section 26D, limitation, assignment, priority and authorised-officer appointment.\n3. **Verify default and NPA.** Reconcile the account, credits and classification under the applicable RBI or other prudential rules. Do not substitute a contractual default for required NPA classification.\n4. **Prepare section 13(2).** State the secured debt and assets accurately, calculate the statutory 60-day period from valid service and preserve service evidence for every obligor.\n5. **Handle representation.** Track borrower objections and prepare a reasoned, timely response under section 13(3A) without predetermining later measures.\n6. **Select section 13(4) measures.** Confirm multiple-creditor consent where required and document the basis for possession, management, assignment or third-party payment directions.\n7. **Plan possession and section 14.** Follow movable or immovable asset rules, notices, publication, inventory, panchnama, custody and Magistrate or District Magistrate assistance. Do not use private force or bypass occupants' lawful claims.\n8. **Plan valuation and sale.** Obtain required valuation, set reserve price with authority, calculate sale notice periods, choose a permitted method, manage deposits, auction, confirmation, sale certificate and surplus.\n9. **Map challenges and overlays.** Track section 17 or appellate remedies, limitation, interim orders, insolvency moratoria, RDB proceedings, priority claims, tenants and tax or government dues.\n10. **Close the record.** Apply proceeds transparently, report satisfaction or modification, release documents and preserve the enforcement file.\n\n## Output\n\nProduce an applicability opinion, defect and cure log, debt schedule, notice-and-service pack, statutory timeline, possession and section 14 checklist, valuation and sale pack, challenge-response matrix and proceeds-closure schedule.\n\n## Guardrails\n\n- Do not backdate notices, misstate NPA status, suppress payments or create false service evidence.\n- Do not trespass, threaten occupants, seize excluded assets or ignore a stay or insolvency moratorium.\n- Do not sell without compliant valuation, reserve, notice, publication and authorised decision-making.\n- Escalate agricultural land, tenancy, third-party title, vulnerable occupants and competing statutory claims.\n- Require current Indian banking and enforcement counsel review before every external step.\n"
}