Board-approvable One Time Settlement (OTS) proposals for borrowers in Ludhiana. We structure OTS packages that clear at the PNB / SBI 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 Ludhiana 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 PNB / SBI recovery policy, collateral marketability in Ghumar Mandi, and vintage of the NPA.
PSIEC plots require PSIEC lease-transfer approval; Focal Point auctions clear at reserve when infrastructure is intact — vacant plots see 25–30% reserve drops. A settlement proposal that ignores auction-side liquidity is rejected at circle-office level.
PNB, SBI, Punjab & Sind Bank run their OTS templates through their Ludhiana circle offices. Discretion on principal band and tenor differs materially — we tune the proposal to the specific lender's current recovery-book optics.
Hosiery / knitwear MSMEs stressed on cotton-yarn price cycles and export-realisation delays; bicycle-parts MSMEs stressed on OEM payment cycles. 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 Ludhiana.
Section 14 SARFAESI forum.
Focal Point-Sherpur industrial area (~10,000 MSMEs); Ludhiana knitwear 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.
