Sanjay R Nayak , BSc.LLB (Spl)
Advocate & Notary Public (Govt. of India)
I am a seasoned Advocate & Notary Public (Govt. of India) with over a decade of legal experience, specializing in banking law, debt recovery, and arbitration.
I also serve as a panel advocate for nationalized banks including Union Bank of India, State Bank of India, Canara Bank, and Karnataka Bank (Regional Office, Manipal).
PLA Cases
5000
KPMR Cases
20000
Years Of Trust
20+ years
About Us
OM Law Chambers, founded by Advocate & Notary Public Sanjay R. Nayak, is a reputable legal chambers based in TMC Complex, Ambarkodla Road, Ankola. With over a decade of legal expertise, the chambers stands as a trusted name in delivering comprehensive legal services in banking law, debt recovery, arbitration, and civil and commercial disputes.
Led by Mr. Nayak, a seasoned legal professional and panel advocate for leading nationalized banks such as Union Bank of India, State Bank of India, Canara Bank, and Karnataka Bank, the chambers is known for its sharp legal insight and client-centric approach. OM Law Chambers has earned recognition for effectively representing clients before the Permanent Lok Adalat (PLA), a specialized forum that offers quicker, cost-efficient, and binding dispute resolution, especially in matters related to public utility services and banking.
In addition to litigation, OM Law Chambers is actively involved in arbitration and alternative dispute resolution, promoting amicable settlements backed by a strong foundation in law and ethics. Whether representing institutions or individuals, the chambers is committed to providing strategic legal counsel with integrity, efficiency, and professionalism.
Practice Areas
⚖ Permanent Lok Adalat(PLA)
We specialize in filing and arguing cases before the Permanent Lok Adalat, particularly for banking recovery and public utility disputes.
📜KPMR Complaints & Money Recovery (Karnataka)
We handle money recovery matters under KPMR Act, including Legal action for recovery of dues, Drafting of compliant notices and pleadings, etc.
🏛 Multi-State Arbitration & Alternate Dispute Resolution (ADR)
As a certified Multi-State Arbitrator, Sanjay Nayak handles private arbitration across Inter-state financial disputes, Business and property settlements, Bank-customer conflicts outside the court process .
📩 Notary Services (Govt. of India)
We offer official notarial services for documentation, affidavits, declarations, agreements, power of attorney, etc. Sanjay R. Nayak is a recognized Notary Public appointed by the Central Government.
🏦 Legal Advisory for Banks & NBFCs
We provide comprehensive legal support to financial institutions, including Loan documentation review, Recovery strategy planning, Suit filings, SARFAESI notices, and execution Trusted by Union Bank of India, SBI, Canara Bank, Karnataka Bank, and other institutions.
OUR LOCATION
Off: OM LAW CHAMBERS
TMC COMPLEX, AMBARKODLA ROAD, ANKOLA - 581314
Dist: Uttar Kannada
Karnataka
FAQ
Why Choose PLA (Permanent Lok Adalat) Filing?+
Filing cases before the Permanent Lok Adalat (PLA) offers a faster, more efficient, and costeffective route for resolving disputes—especially in matters related to banking, loans, and public utility services.
As an experienced advocate regularly filing cases before the PLA at Dharwad, I ensure clients benefit from the following key advantages:
- Speedy Disposal: PLA follows a summary procedure, helping dispose of cases quickly without prolonged hearings.
- No Court Fee: There is no court fee for filing cases, reducing the cost burden on clients and banks.
- Final & Binding Awards: PLA awards are legally binding and equivalent to a civil court decree, enforceable like any court order.
- No Technical Delays: The forum is less formal than regular courts and focuses on practical resolutions, avoiding technical hurdles.
- Pre-litigation Settlement: PLA encourages settlement even before litigation begins, saving time and preserving relationships.
- Ideal for Bank Recovery: Especially useful for banks to recover loan dues from borrowers without lengthy court processes.
Why Banks Should Choose PLA Filing – A Strategic Advantage+
At OM Law Chambers, we specialize in representing banks before the Permanent Lok Adalat (PLA) – a unique statutory forum established under the Legal Services Authorities Act, 1987, offering a streamlined and cost-effective alternative to traditional litigation.
For Regional Managers and Banking Authorities, PLA filing offers tangible operational and financial benefits:
- Time-Efficient Recovery: Unlike civil courts, which may take years to resolve matters, PLA ensures swift disposal through summary procedures. This significantly reduces the bank’s NPA backlog and improves the overall recovery timeline.
- Zero Court Fee – Maximum Value: Cases before PLA do not require court fees, drastically lowering litigation costs. This is especially valuable when handling multiple small-ticket loans or credit card recoveries, allowing banks to maximize recovery with minimal expenditure.
- Legally Binding Awards: PLA decisions are final and enforceable as a civil court decree, providing legal certainty and enforceability without the delay and cost of further appeals.
- Faster Resolution = Better Performance Metrics: Early closure of recovery cases through PLA improves recovery ratios, enhances the branch’s performance indicators, and helps meet quarterly targets effectively – all of which reflect positively on regional performance reviews.
- Pre-Litigation Resolution Without Borrower Resistance: PLA proceedings are non-adversarial and focus on compromise. Borrowers are more willing to settle dues without litigation pressure, leading to smoother and faster resolutions.
- Ideal for Low-Value or Volume Cases: Banks handling hundreds of overdue accounts (credit cards, MSME loans, agricultural loans, etc.) benefit from batch filing at PLA, allowing bulk case disposal with minimal follow-up.
- Trusted Representation: With Sanjay R. Nayak, Panel Advocate for Union Bank of India, SBI, Canara Bank, and Karnataka Bank, your matters are handled with strategic precision and dedication. Our experience before the PLA at Dharwad and other forums ensures maximum recovery with minimum delay.