law: Recovery of Debts Due to Banks and Financial Institutions Act, 1993 
  23. Right to legal representation and Presenting Officers
  (1) A bank or a financial institution making an application to a
  
  Tribunal or an appeal to an Appellate Tribunal may authorize one or more legal
  
  practitioners or any of its officers to act as Presenting Officers and every
  
  person so authorized by it may present its case before the Tribunal or the
  
  Appellate Tribunal.
  (2) The defendant may either appear in person or authorize one
  
  or more legal practitioners or any of his or its officers to present his or its
  
  case before the Tribunal or the Appellate Tribunal.