RBI Prudential-Framework 2019 restructuring for viable Surat borrowers. We prepare TEV / viability studies, draft restructuring proposals and coordinate with lender consortiums for approval.
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.
Viable operators with intact cash-flow prefer restructuring; distressed / non-operating units go the OTS route. In Surat, Diamond cutting & polishing and Man-made-fibre textiles (Pandesara-Sachin) typically qualify for restructuring subject to viability.
The 7-June-2019 Prudential Framework applies uniformly. Successful restructuring proposals in Surat require documented viability, promoter contribution and lender-consortium consensus. Sector-specific frameworks apply for MSMEs and pandemic-hit units.
MSME accounts up to ₹25 Cr enjoy simplified restructuring under the RBI MSME framework — no viability committee required. Pandesara & Sachin GIDC man-made-fibre weaving cluster (~35 lakh looms); Katargam diamond polishing. restructuring typically clears in 60–90 days.
Restructuring must factor in personal-guarantor exposure at the nearest NCLT bench for insolvency proceedings.
Jurisdictional DRT for Surat.
Section 14 SARFAESI forum.
Pandesara & Sachin GIDC man-made-fibre weaving cluster (~35 lakh looms); Katargam diamond polishing.
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