The document discusses the Debt Recovery Tribunal (DRT) established by the Government of India through the Recovery of Debts Due to Banks and Financial Institutions Act, 1993. The Act created a separate tribunal system to ensure speedy resolution of loan recovery matters. The DRT handles cases involving debts owed to banks and financial institutions over Rs. 10 lakh. Appeals from DRT decisions can be made to Debts Recovery Appellate Tribunals (DRAT). DRTs have been set up in various cities to help banks and financial institutions recover debts through this legal framework.