Q11 In cases of consortium lending where multiple banks have financed a single borrower, enforcement action under the SARFAESI Act requires consensus. What is the minimum percentage of secured creditors (by value) that must agree to initiate such action? Q12 Section 13(4) of the SARFAESI Act grants secured creditors various powers to recover their dues. Which of the following actions is NOT permitted to the creditor under this section? Q13 Under the proposed Section 31A of the SARFAESI Act, specific power is granted to exempt certain classes of banks or financial institutions from the application of the Act. Which authority is empowered to issue such notifications? Q14 The Central Registry (CERSAI) serves as a critical infrastructure for secured lending in India. Which of the following statements regarding its operational rules are correct? Q15 The implementation of enforcement measures under the SARFAESI Act involves specific procedural roles and notices. Which of the following statements are correct? Q16 Under the SARFAESI Act, the enforcement of security interest can involve different modes of taking possession. Which of the following statements correctly distinguish between "Symbolic Possession" and "Physical Possession"? Q17 The sale of secured assets under SARFAESI involves specific documentation and transparency norms. Which of the following statements are correct? Q18 When a borrower files an application (appeal) before the Debt Recovery Tribunal (DRT) challenging the bank's action under the SARFAESI Act, what is the immediate legal effect on the bank's enforcement proceedings?