Resolve NPAs. Negotiate Better Settlements. Protect Your Assets.
Helping borrowers, businesses and institutions navigate OTS, SARFAESI, DRT and stressed asset resolutions with confidence — confidentially and at speed.
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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.
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Free, confidential tools to assess eligibility, compute timelines and benchmark settlements.
Resolution stories
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Built for resolution, not litigation theatre
We win cases by closing them — through the right mix of negotiation, regulatory strategy and selective litigation.
Practical reading for stressed asset decisions
Guides written by practitioners — not generic explainers.
Built for institutions handling stressed books
Dedicated workflows for banks, NBFCs, ARCs, investors, law firms and asset reconstruction professionals.
Bank NPAs in India: common questions
Quick answers on non performing assets, NPA resolution paths and what to do after a SARFAESI notice.
What is a non performing asset (NPA) in an Indian bank?+
A non performing asset is a loan or advance on which the borrower has not paid interest or principal for 90 days or more. Once classified, the bank can issue a SARFAESI 13(2) notice within weeks and escalate to possession, DRT proceedings or sale to an ARC.
What is the NPA loan full form?+
Non Performing Asset. The term applies to any credit facility — business loan, home loan, car loan or personal loan — once overdue by 90 days.
What can a borrower do once an account becomes NPA?+
The main resolution paths are One Time Settlement (OTS), debt restructuring, NPA takeover or take-out finance, SARFAESI defence, and DRT remedies. The 60-day window after a 13(2) notice is the most decisive period.
What is the difference between performing and non performing loans?+
A performing loan is current on interest and principal. A non performing loan is overdue by 90 days or more and is classified as substandard, doubtful or loss under RBI norms.
Are loan consultants and NPA consultants the same?+
No. A general loan consultant focuses on fresh lending. An NPA consultant specialises in stressed assets — OTS, SARFAESI, DRT, ARC and NPA funding.
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