Sarfesi cmm court proceedings vs drt proceedings

Respected Sir,

Please clarify as to when a Bank will approach CMM court and when a DRT court.

Outstanding loan amount is close to 3 crore rupees and Bank is presently looking for physical possession.

I am of the view that Bank must first approach DRT court and instead it is trying to drag us into CMM court with a civil suit.

Thanks to advise.