Sharad Wardhan

About

Sharad Wardhan is a Chartered Accountant and former Deputy Vice President at a leading Indian bank, where he handled stressed-asset resolution, recovery policy and OTS negotiations for over two decades. As Managing Director of NPA Experts he has advised MSMEs, corporates, promoters and personal borrowers on more than 1,200 SARFAESI, DRT and OTS matters across public-sector banks, private banks, NBFCs and ARCs. He writes and reviews every pillar page on NPAExperts.in.

Areas of expertise

• One Time Settlement (OTS) negotiation
• SARFAESI defence (Sec. 13(2)/13(4)/14/17)
• DRT & DRAT strategy
• NCLT / IBC restructuring for MSMEs
• ARC settlements & wilful-defaulter defence

Qualifications & credentials

• Chartered Accountant (ICAI)
• B.Com (Honours)
• Certified in Credit & Recovery

Professional memberships

• Institute of Chartered Accountants of India (ICAI)
• IIBF – Indian Institute of Banking & Finance (alumni)