How to make eSign work for Debt Acknowledgement Letters

1. Should the co-borrower sign the DAL?

If you want the benefit of DAL (extending the period of recovery) for the co-borrower as well, then yes.

2. I don’t execute DALs for my loan at all. Why should I execute it?

Because DALs can extend the limitation period of the loan.

Under Section 18 of the Limitation Act, if a borrower gives a written + signed acknowledgement of liability before the limitation expires, a fresh limitation period starts from that signing date.

3. Is signing DAL via Aadhaar eSign equally valid as a physical sign?

Yes. Aadhaar eSign has the same legal validity as physical signing under the IT Act, but is actually easier to enforce due to presumptions of validity under the Evidence Act.