Board-approvable One Time Settlement (OTS) proposals for borrowers in Kolkata. We structure OTS packages that clear at the SBI / PNB circle office and result in a sanction letter plus NDC.
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.
OTS outcomes in Kolkata typically settle at 45–65% of outstanding principal for viable secured exposures. Bands compress to 30–45% for closed / doubtful accounts. The exact discount depends on SBI / PNB recovery policy, collateral marketability in Dalhousie / BBD Bagh, and vintage of the NPA.
Legacy jute-mill auctions face labour-liability challenges under WB Land Reforms Act; heritage-zone properties in central Kolkata carry INTACH compliance limits. A settlement proposal that ignores auction-side liquidity is rejected at circle-office level.
SBI, PNB, UCO Bank (HQ) run their OTS templates through their Kolkata circle offices. Discretion on principal band and tenor differs materially — we tune the proposal to the specific lender's current recovery-book optics.
Legacy jute-mill NPAs and Burrabazar wholesale-trade CC accounts dominate district docket; developer loans on new-town projects stressed post-RERA. MSME OTS at the cluster level often benefits from group-guarantee restructuring and cross-lender coordination — we run these in parallel to accelerate closure.
Jurisdictional DRT for Kolkata.
Section 14 SARFAESI forum.
Burrabazar wholesale-trade cluster; Salt Lake Sector V IT-SME cluster; Kasba engineering cluster.
Every location page in the NPA Experts network links up to its state, across to sibling districts, out to nearby cities, and through to relevant bank recovery clusters — so you land on the exact page for your case.
