India's Trusted NPA Settlement & Loan Resolution Experts.
Confidential OTS, SARFAESI, DRT and loan restructuring advisory for individuals, MSMEs and businesses — across every major bank, NBFC and ARC in India.
What is NPA Experts?
NPA Experts is India's dedicated advisory platform for resolving non performing assets and stressed loans. We help individuals, MSMEs, businesses and property owners with NPA settlement, loan settlement, One Time Settlement (OTS), SARFAESI defence, DRT representation and loan restructuring — working confidentially with every major bank, NBFC and ARC across India.
Six paths. One coordinated resolution.
A short reference on the resolution levers NPA Experts uses on every engagement.
- NPA Settlement
Reduce outstanding on classified accounts through evidence-backed settlement proposals.
- Loan Settlement
Close secured & unsecured loans at negotiated payoffs across every major lender.
- One Time Settlement
Structure OTS proposals aligned to each bank's committee matrix and board-approved policy.
- SARFAESI
Protect the 60-day statutory window under Section 13(3A) and contest possession.
- DRT
File SA under Section 17, seek interim stay and appeal to DRAT where required.
- Loan Restructuring
Re-engineer tenor, rate and moratorium before an account deteriorates further.
Six pillar solutions for every NPA situation
Each service is a dedicated engagement track with defined strategy, paperwork and negotiation cadence.
Negotiate reduced payoffs on classified NPA accounts with banks, NBFCs and ARCs — with sanctioned proposals and closure letters.
Explore NPA SettlementEnd-to-end settlement of secured and unsecured loans — personal, business, home, MSME and vehicle loans across every major lender.
Explore Loan SettlementStructure and defend One Time Settlement proposals — from indicative benchmark to bank OTS committee sanction.
Explore OTSReply to 13(2) & 13(4) notices, contest possession, and preserve your secured asset within statutory deadlines.
Explore SARFAESISecuritisation Applications, OA defence, stay orders and DRAT appeals through empanelled tribunal counsel.
Explore DRTTenor extensions, moratoriums and rate revisions for viable businesses — before an account slides deeper into NPA.
Explore RestructuringSelect your situation
Tell us where you are. Each path leads to a dedicated solution with process, timelines, and a confidential lead form.
A structured resolution journey
Every engagement follows a defined six-stage process — so you always know what is next.
Built for resolution, not litigation theatre
We win cases by closing them — through the right mix of negotiation, regulatory strategy and selective litigation.
Built for every borrower profile
Retail borrower, MSME promoter, corporate CFO or guarantor — the resolution playbook is different for each.
Home, personal and car-loan borrowers facing NPA classification, recovery calls or SARFAESI notices.
Working-capital, term-loan and CGTMSE-backed borrowers negotiating with PSU and private lenders.
Proprietors and partners handling personal guarantees against a company's stressed exposure.
Mid-corporates managing consortium debt, ARC transfers and restructuring at RBI-compliant terms.
Personal & corporate guarantors defending SARFAESI action and DRT proceedings on behalf of borrowers.
Owners of mortgaged homes, factories and commercial property facing auction under Section 13(4).
Settlement playbooks for every major lender
Bank-specific committee matrices, delegated authorities and OTS scheme cycles — mapped for the ten most-negotiated Indian lenders.
On-ground resolution across India
Empanelled tribunal counsel and negotiation teams across the ten highest-volume DRT jurisdictions.
Practical reading for stressed-asset decisions
Guides written by practitioners — not generic explainers. Plus a full glossary of NPA, SARFAESI and DRT terminology.
Get clarity in minutes
Free, confidential tools to assess eligibility, compute timelines and benchmark settlements.
Resolution stories
Anonymised, illustrative examples — client identity is always protected.
As featured in & aligned with
Independent NPA & stressed asset advisory · Bound by client confidentiality
Built for institutions handling stressed books
Dedicated workflows for banks, NBFCs, ARCs, investors, law firms and asset reconstruction professionals.
Frequently asked questions
Straightforward answers on NPA settlement, OTS, SARFAESI, DRT and loan restructuring in India.
What does NPA Experts do?+
NPA Experts is an India-wide advisory platform for NPA settlement, loan settlement, One Time Settlement (OTS), SARFAESI defence, DRT representation and loan restructuring. We work with individuals, MSMEs, companies, guarantors and property owners to negotiate with banks, NBFCs and ARCs.
What is a non performing asset (NPA)?+
A non performing asset is a loan on which the borrower has not paid interest or principal for 90 days or more. Once classified, banks can issue a SARFAESI 13(2) notice, escalate to possession, DRT proceedings, or sell the account to an ARC.
What is a One Time Settlement (OTS)?+
A One Time Settlement is a lump-sum, discounted payoff of an NPA account approved by a bank OTS committee. Typical OTS ranges sit between 40%–75% of outstanding depending on security, ageing, and the lender's board-approved policy.
How much can I settle my loan for?+
There is no fixed percentage. Real-world OTS outcomes depend on asset security, borrower conduct, ageing bucket (substandard/doubtful/loss), realisable value of collateral, and the bank's internal committee delegation. Our OTS Calculator gives an evidence-based indicative range.
I received a SARFAESI 13(2) notice — what should I do?+
You have 60 days from the notice date to file a written representation under Section 13(3A). Missing this window makes it far harder to contest possession under Section 13(4). Engage counsel immediately and, in parallel, open an OTS or restructuring track.
Can I stop a bank auction of my property?+
Yes — through a Securitisation Application (SA) before the Debts Recovery Tribunal under Section 17 of the SARFAESI Act, an interim stay, or a sanctioned OTS proposal. Timing is critical; auction notices under Rule 8/9 have short statutory windows.
What is the difference between loan settlement and loan restructuring?+
Settlement (including OTS) closes the account at a discounted payoff — the loan is fully settled and a No-Dues Certificate is issued. Restructuring extends tenor, revises rates or grants a moratorium so the loan continues on revised terms without settlement.
Will settlement affect my CIBIL score?+
Settled accounts are usually reported as 'Settled' rather than 'Closed', which does impact your credit profile in the short term. With structured resolution — full closure letter, no-dues certificate and bureau follow-up — the profile can rebuild over 24–36 months.
How long does an NPA resolution typically take?+
Simple retail OTS: 2–4 months. Complex MSME/corporate OTS: 4–9 months. DRT-driven matters: 9–24 months depending on tribunal load. We plan every engagement around statutory timelines, not open-ended calendars.
Do you work with all banks and NBFCs?+
Yes. We cover public-sector banks (SBI, PNB, BoB, Canara, Union, BoI, Indian Bank, IOB), private banks (HDFC, ICICI, Axis, Kotak, IndusInd, Yes, IDFC First, Federal), leading NBFCs and empanelled ARCs.
Which cities do you serve?+
Advisory is delivered pan-India. We have dedicated resolution playbooks and empanelled tribunal counsel across Delhi, Mumbai, Bengaluru, Hyderabad, Chennai, Ahmedabad, Pune, Chandigarh, Jaipur, Lucknow and 25+ other cities.
Is the consultation confidential?+
Yes. Every case is handled under an implicit NDA. Information is shared strictly on a need-to-know basis and is never disclosed to third parties without written consent.
How do fees work?+
Fees are transparent and case-specific — quoted upfront after a free case review. There are no opaque commissions from banks, NBFCs or ARCs. You always know what you are paying and what you are getting.
Reviewed by senior ex-bankers and DRT counsel
This page is for general information. It is not legal, tax or investment advice. Every NPA / SARFAESI / DRT matter is fact-specific — speak to a qualified advisor before acting.
Get your case reviewed today
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