A bank issues a notice under Section 13(2) of the SARFAESI Act, 2002 to a defaulting borrower, who within the notice period sends a written representation disputing the outstanding amount. Under Section 13(3

Under Section 13(3A) of the SARFAESI Act, 2002, when a borrower makes a representation or objection in response to a notice under Section 13(2), the secured creditor must consider it and, if the representation is not acceptable, communicate the reasons for non-acceptance within fifteen days. The provision was introduced by the 2004 amendment to make the enforcement machinery fair and to give the borrower an opportunity to correct the demand before possession is taken. The sixty-day figure in the distractor options refers to the time allowed to the borrower in the Section 13(2) notice itself to discharge the debt, while thirty days has no such role in the SARFAESI mechanism. Non-compliance with Section 13(3A) can expose the secured creditor's measures to challenge before the Debts Recovery Tribunal under Section 17.