Bank Loan Settlement HubLender-specific OTS & NPA Resolution Guides
Pick your lender for a complete settlement guide — discount range, process, eligibility, documents and FAQs. Senior ex-banker advisors. Strictly confidential.
16 banks covered. Pick yours to start.
Each bank page covers OTS, personal loan, business loan, home loan, process, documents and FAQs.
Largest PSU lender; widest OTS committee matrix and DRT exposure.
Major MSME and corporate NPA book; structured OTS schemes.
Pan-India PSU with active SARFAESI enforcement and ARC sales.
Large retail and agri NPA book; periodic OTS sub-committees.
MSME and mid-corporate stressed exposures; structured OTS.
Mid-corporate and SME NPA portfolio; active SARFAESI cell.
South-India heavy; targeted OTS for MSME and retail NPAs.
Post-merger book with active distressed asset sale programme.
Largest private bank; aggressive recovery, structured settlement desks.
Sophisticated recovery cell; OTS subject to centralised approval matrix.
Active SARFAESI enforcement and ARC sales; centralised OTS.
Retail-heavy book; structured settlement on personal and business loans.
Vehicle, MSME and retail NPA focus; rapid SARFAESI cycles.
Post-2020 restructured book; ARC sales and OTS pathways available.
Retail-led portfolio; structured settlement for personal and SME loans.
South-India strong; secured-loan settlement and SARFAESI focus.
Microfinance-heavy book; EEB & Group Loans dominate NPA pool; retail OTS through dedicated Micro Recovery vertical.
SFB with vehicle & MSME core; RBI SFB framework governs OTS; asset-light recovery via ARC sale bundles.
Post-LIC takeover private bank; large legacy corporate NPA book; NCLT-heavy resolution track.
Cards, MFI and BBB unsecured heavy; centralised settlement desk with fast unsecured OTS cycles.
Old private bank; Tamil Nadu MSME cluster lender; conservative committee-led OTS.
Kerala-strong old private bank; NRI, gold and MSME books; Regional Recovery Committee flexibility.
PSU with heavy priority-sector legacy NPA book; scheme-based OTS windows announced periodically.
Eastern-India PSU with active SARB; MSME and mid-corporate OTS through Zonal committees.
Every bank's OTS matrix is different
Sanctioning levels, OTS templates and acceptable discount ranges vary across SBI, PNB, HDFC, ICICI and others. A bank-specific approach moves faster.
Each lender has its own sanctioning matrix, template and discount range.
Branch / circle / HO / board — filed at the right level the first time.
Eligibility, drafting, negotiation, payment, NOC and CIBIL update.