NPA Recovery Advisory
NPA Recovery Advisory offers professional guidance to banks, NBFCs, and lenders for recovering defaulted loans. It ensures compliance with RBI norms while adopting practical legal and financial recovery mechanisms.
Types Of NPA Recovery Advisory
These services can be divided based on transaction phase and scope of review.
SARFAESI Recovery
Legal enforcement to seize, manage, and sell secured assets for efficient recovery of dues.
Insolvency & Bankruptcy Resolution
Initiating proceedings under IBC to achieve settlements through NCLT.
One-Time Settlement (OTS)
Negotiated lump-sum payments allowing closure of accounts amicably.
Debt Restructuring
Revising repayment schedules, interest rates, or tenure for distressed borrowers.
ARC Collaboration
Partnering with Asset Reconstruction Companies to monetize NPAs.
Cross-Border Debt Recovery
Coordinating with international agencies to recover overseas debts.
Why NPA Recovery Advisory Is Important?
Legal Expertise
Leveraging SARFAESI Act and IBC provisions to ensure effective recovery.
Negotiation Support
Structuring settlements and repayment plans with borrowers to expedite closure.
Compliance Adherence
Ensuring all recovery actions are RBI-compliant and legally valid.
Asset Management
Guiding valuation, auction, and disposal of collateral assets.
FAQs
What is NPA Recovery Advisory?
It provides end-to-end assistance for recovering defaulted or non-performing loans.
Who can use it?
Banks, NBFCs, and financial creditors managing NPAs.
Is legal action always required?
Not necessarily—negotiated settlements can also achieve recovery.
What laws govern NPAs?
The SARFAESI Act, IBC, and RBI guidelines.
Can NPAs be sold to third parties?
Yes, lenders can transfer NPAs to Asset Reconstruction Companies.
Why is this service important?
It helps maintain financial stability and improves asset quality.