Knowledge Hub
Practitioner-written guides
Written by advisors who handle these matters day-to-day.
Advisory
Loan Consultants in India: How to Choose an NPA Consultant
What loan consultants and NPA consultants actually do, what to expect from a loan consultancy service, and how to vet one before engaging.
7 min read
Restructuring
Debt Restructuring Meaning, Methods & Schemes in India
Debt restructuring meaning, the main methods used in India, RBI-aligned schemes, capital and business debt restructuring, and how it differs from settlement.
9 min read
Recovery
NPA Recovery Process in India: Bank Loan Recovery Step by Step
How the NPA recovery process works in Indian banks — from classification to OTS, SARFAESI, DRT and ARC. The full recovery of debt timeline with what borrowers can do at each step.
10 min read
NPA Funding
NPA Account Takeover: RBI Framework for Loan Transfer to a New Lender
How NPA account takeover works under the RBI Master Direction on transfer of loan exposures, who finances NPA accounts, and what borrowers should check before signing a takeover.
8 min read
For Institutions
NPA Management in Banks: Solutions to Non Performing Loans in India
How banks manage non performing loans in India — provisioning, recovery, restructuring, ARC sale — and the institutional solutions to NPA stress.
9 min read
NPA Basics
Home Loan NPA in India: What Happens & How to Save Your House
When a home loan becomes NPA in India, the bank can move under SARFAESI. The window to act, the negotiation paths and how to protect the property.
7 min read
NPA Basics
NPA Car Loan: Repossession, Settlement & What Borrowers Can Do
When a car loan becomes NPA, the lender can repossess the vehicle without SARFAESI. Repossession rules, settlement options and how to protect your CIBIL.
6 min read
NPA Basics
Non Performing Assets in India: A Complete Guide to Bank NPAs
What bank non performing assets are, how the RBI classifies them, the difference between performing and non performing loans, and what borrowers in India can do once an account turns NPA.
9 min read
SARFAESI
SARFAESI Act Summary: A Plain-English Guide to SARFAESI 2002
About the SARFAESI Act, 2002 — what it does, the 13(2) and 13(4) process, timelines, your statutory remedies, and where the law leaves room to negotiate.
10 min read
SARFAESI
Difference Between SARFAESI and IBC: Which Law Applies to You?
SARFAESI vs IBC — purpose, who can invoke each, timelines, outcomes for the borrower, and how to decide which path your matter belongs in.
6 min read
SARFAESI
SARFAESI Notices Explained: Section 13(2), 13(4) and Your 60-Day Window
A practical breakdown of how SARFAESI proceedings unfold from the demand notice to physical possession, with the timelines that matter.
7 min read
DRT
How the Debt Recovery Tribunal (DRT) Works: Process, Timelines, and Strategy
Original applications, securitisation applications, fees, and how borrowers and lenders typically navigate DRT proceedings.
6 min read
Restructuring
Loan Restructuring vs OTS: Which Path is Right for Your Situation?
A side-by-side comparison of restructuring and One Time Settlement, with the financial and credit implications of each.
6 min read
ARC
Asset Reconstruction Companies (ARCs): What Happens When Your Loan is Sold
How ARCs acquire stressed assets, the difference between cash and SR deals, and what borrowers should expect when their loan moves.
6 min read
Education
NPA Classification in India: Standard, Sub-Standard, Doubtful, Loss
How banks classify loan accounts as NPA, the 90-day rule, and how classification affects provisioning, pricing, and resolution options.
6 min read
OTS
One Time Settlement (OTS): A Complete Guide for Borrowers in 2026
How OTS works in Indian banking, who qualifies, how settlements are negotiated, and what to avoid when submitting your proposal.
8 min read