Case of IDBI Bank Ltd vs Silver Stallion Ltd, NCLAT Delhi Judgement Dated 31st October 2025. The appellate tribunal held that a successful auction purchaser cannot demand the reclassification of a corporate debtor’s loan account from Non-Performing Asset (NPA) to “standard” if such reclassification affects a financial creditor’s rights, particularly its right to proceed against personal guarantors. The tribunal emphasised that an auction purchaser’s interest is restricted to obtaining an encumbrance free title to the purchased assets, and it cannot insist on changes in the creditor books in a manner that compromises the creditor statutory recovery avenues.