Under Section 23, who may act as a Presenting Officer on behalf of a bank or financial institution before the DRT/DRAT?

Section 23(1) provides that a bank or financial institution making an application to a Tribunal or an appeal to an Appellate Tribunal may authorise one or more legal practitioners or any of its officers to act as Presenting Officers, and every person so authorised may present its case before the Tribunal or the Appellate Tribunal. There is no restriction on the seniority or designation of the bank officer. Section 23(2) provides that the defendant may either appear in person or authorise one or more legal practitioners or any of his officers to present his case. This broad right to representation ensures accessibility for banks across the country.