PuneAdvisory

Loan Restructuring in Pune

RBI Prudential-Framework 2019 restructuring for viable Pune borrowers. We prepare TEV / viability studies, draft restructuring proposals and coordinate with lender consortiums for approval.

Viability / TEV study aligned to your Chakan-Ranjangaon MIDC auto-components cash-flow reality.
Restructuring proposal in the RBI 7-June-2019 Prudential Framework template.
Consortium coordination with SBI, Bank of Maharashtra, HDFC Bank where multi-lender exposure exists.
Moratorium and interest-servicing schedule negotiation.
MSME-specific restructuring under the RBI MSME framework (RBI DBR.No.BP.BC.100 / 21.04.048 / 2017-18).

Free case review — Loan Restructuring, Pune

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Written by
Sharad Wardhan
MD, NPA Experts
CA, ex-Deputy Vice President (Banking)
Legally reviewed by
NPA Experts Legal Review Panel
Empanelled counsel practising before DRT, DRAT and High Courts
Last updated
June 28, 2026
Editorial policy

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.

Pune

Everything a Pune borrower needs to know about Loan Restructuring

Restructuring vs OTS — the Pune decision

Viable operators with intact cash-flow prefer restructuring; distressed / non-operating units go the OTS route. In Pune, Auto & auto-components (Chakan-Ranjangaon) and IT/ITES (Hinjewadi, Kharadi) typically qualify for restructuring subject to viability.

RBI Prudential Framework in Pune

The 7-June-2019 Prudential Framework applies uniformly. Successful restructuring proposals in Pune require documented viability, promoter contribution and lender-consortium consensus. Sector-specific frameworks apply for MSMEs and pandemic-hit units.

MSME restructuring in Chakan-Ranjangaon MIDC auto-components

MSME accounts up to ₹25 Cr enjoy simplified restructuring under the RBI MSME framework — no viability committee required. Chakan-Ranjangaon MIDC auto-components; Pirangut MIDC precision engineering. restructuring typically clears in 60–90 days.

Personal-guarantor IBC risk

Restructuring must factor in personal-guarantor exposure at the nearest NCLT bench for insolvency proceedings.

Local intelligence

Courts, lenders and hubs relevant to Pune

Court structure

DRT Pune, Erandwane

Jurisdictional DRT for Pune.

Chief Judicial Magistrate, Shivajinagar Court, Pune

Section 14 SARFAESI forum.

Major lenders
  • SBI
  • Bank of Maharashtra
  • HDFC Bank
  • ICICI Bank
  • Axis Bank
  • Cosmos Co-operative Bank
Banking hubs
  • Shivajinagar-Deccan
  • Camp / MG Road
  • Hinjewadi IT park corridor
  • Chakan-Pimpri MIDC belt
MSME cluster

Chakan-Ranjangaon MIDC auto-components; Pirangut MIDC precision engineering.

Economic profile. Bank of Maharashtra HQ; anchor of the Pune-Chakan automotive cluster and the Hinjewadi-Kharadi IT belt; large Marathi co-operative-bank ecosystem.
Auction / procedural note. MIDC-plot auctions require lessor no-objection from MIDC before conveyance; reserve prices drop 20–30% per round in Chakan on Class-C auction properties.
FAQ

Loan Restructuring — Pune FAQs