Kolkata
OTS Settlement Consultant in Kolkata
A well-structured One Time Settlement can close your NPA in Kolkata at a meaningful discount to outstanding dues — and stop further recovery action. Our OTS consultants in Kolkata build the financial justification, file with the correct sanctioning authority, and negotiate the sanction through to NOC.
Why NPAExperts in Kolkata
What sets our OTS Settlement practice apart
Higher OTS discounts
Typical closures 20–45% below outstanding dues, with phased payment terms.
Bank-specific playbooks
Different sanctioning matrices for SBI, PNB, BOB, HDFC, ICICI, Axis, IDBI, NBFCs and ARCs.
Stops auction
OTS in process is leverage to defer 13(4) possession and auction.
Full closure
Sanction letter, payment, NOC, security release and CIBIL update — all handled.
Our process
How OTS Settlement works in Kolkata
- 1Eligibility & numbersWe map account status, security value, age of NPA and your realistic repayment capacity.
- 2Draft OTS proposalFinancial justification, comparable settlements, source-of-funds plan.
- 3Submission & escalationFiled with branch / circle / HO / Board as the matrix demands.
- 4Negotiation & sanctionCounter-offers, committee briefings, sanction letter on workable terms.
- 5Payment & NOCPhased payment, NOC, security release, CIBIL correction.
What we handle
Services we offer in Kolkata
- OTS proposal drafting
- Bank-side negotiation
- Source-of-funds structuring
- NPA takeover funding for OTS
- Sanction-letter review
- CIBIL update post-settlement
FAQs