This is a demand notice issued by SMFG India Credit Company Limited to borrowers Sant Lal Kumar and Tara Kumari.The notice demands repayment of Rs. 21,83,907 (twenty-one lakh eighty-three thousand nine hundred seven rupees) as of July 6, 2026.It threatens the enforcement of security interest under the SARFAESI Act, 2002, allowing the lender to take possession of the mortgaged property if payment is not made within 60 days of publication.The mortgaged property is identified as land located in Garhi Tarkhana village, Ludhiana district, Punjab.