Nyaya Setu

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How it works

The parties to a case, what each one does, and the nine stages from the first notice to the award.

Last updated 8 October 2026.

What the platform is

Nyaya Setu runs loan-default arbitrations online, from the first notice to the award. Finance companies use it to bring claims against borrowers who have defaulted, under the arbitration clause in the loan agreement. Every party can follow the case online, and every step is recorded.

The core of the work is notice: an award can be set aside if a party was not properly notified, so each notice goes out on several channels, and each attempt is tracked and proved. See Notices and delivery.

Who does what

PartyWhoOn the platform
ClientBrings the claim: the finance company that gave the loan.Uploads cases and documents, approves and posts the S.21 notice, files the claim.
RespondentsThe borrower, co-borrowers and guarantors.Read notices, reply, object, attend hearings, on the respondent portal.
ArbitratorIndependent; decides every legal question.Discloses conflicts, gives directions, hears the parties, signs the award.
AdministratorABIR Institute for Arbitration LLP, which operates Nyaya Setu.Sends notices, keeps the record, chooses the arbitrator by hand with reasons, hosts hearings.

The administrator administers. It does not decide who is right: that is for the arbitrator alone.

The nine stages of a case

  1. Intake. The client uploads a campaign of cases. Each row is checked, the arbitration clause and the client’s authority are checked, and a reachability report shows who can be reached on which channel.
  2. S.21 notice. Sent in the client’s name, on its letterhead, after its signatory approves. The administrator sends it by WhatsApp and email; the client posts it. Proceedings begin when the respondent receives it.
  3. Commencement notice. Sent by the administrator in its own name, with each respondent’s portal sign-in details. Respondents may object.
  4. Appointment. A person at the administrator chooses the arbitrator by hand, records the legal basis and a written reason, and acknowledges every conflict warning. The arbitrator signs a disclosure; the parties may object within the window.
  5. Statement of claim. The client files its claim with documents, and the tribunal serves it on the respondents.
  6. Response. A respondent who contests goes through video hearings with the arbitrator. One who agrees has a single confirming call.
  7. Silent respondent. Reminders (number and timing set per case), then a final notice. If there is still no reply, the arbitrator may decide on the documents.
  8. Interim relief and settlement. Interim relief (s.17) can be asked for at any time. The case can settle, or the client can withdraw, at any stage.
  9. Award. The arbitrator writes and signs the award. It is stamped and sent to every party, by post as well, and the challenge period runs from service.

Cases with several respondents

A loan can have a borrower, a co-borrower and a guarantor. Each is a respondent with their own notices, their own deliveries and proof of service, their own sign-in, and their own right to reply and to be heard.

What the platform never does

The platform never:

  • handle money: there is no payment page, and the platform never asks anyone to pay;
  • pick, rank or suggest an arbitrator automatically;
  • let the administrator’s staff edit an order or the text of an award;
  • send a legal notice that a person has not approved, or let AI send or decide anything;
  • send a notice with a missing detail: generation stops until the detail is supplied.

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