What 'NPA' means at ICICI Bank
ICICI Bank classifies an account as NPA after 90 days of overdue principal / interest. Sub-standard → Doubtful → Loss provisioning follows.
Path 1 — One Time Settlement
Best when you have funds to close at a discount. ICICI Bank OTS typically at 55–80% of principal for secured loans.
Path 2 — Restructuring
Tenor extension, moratorium, rate revision — for viable businesses with cashflow stress.
Path 3 — SARFAESI / DRT defence
Buys time and creates negotiation leverage when ICICI Bank starts enforcement.
Path 4 — ARC route
ICICI Bank may sell the NPA to an ARC; ARC settlements often allow deeper discounts.
Decision framework
Match the path to your situation: funds available, business viability, age of NPA, security cover, and notice stage.