Asset Reconstruction transactions
Negotiate with Asset Reconstruction Companies effectively
ARCs are commercial counterparties. Well-structured proposals — quick cash, take-out finance, co-investor backing — find quicker traction than with originating banks.
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NPA Experts Legal Review PanelEmpanelled counsel practising before DRT, DRAT and High Courts
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.
Who this is for
- Borrowers whose loans have been sold to ARCs
- Promoters seeking to refinance ARC debt
- Investors looking to co-invest in ARC-held assets
Benefits
Commercial counterparty
ARCs are typically more open to settlement structures than PSBs.
Speed
Decisions move faster once a clear proposal is on the table.
Capital structures
Cash, deferred, SR-backed or co-investment options.
Process
- 1ARC mappingIdentify acquisition basis (cash/SR), date of acquisition and recovery target.
- 2Proposal & negotiationSettlement or refinance proposal with timelines.
- 3DocumentationSettlement agreement, security release, NOC.
Frequently asked questions
Case Study · Illustrative
ARC settlement at 64% with NBFC take-out
Logistics business · ₹7.8 Cr.
Outcome: Settled at 64% via take-out finance from an NBFC; CIBIL updated.
Topical authority
Explore this topic across NPA Experts
Curated bridges between our services, pillar guides, deep-dive articles and bank-specific playbooks on the same topic.
Related services
Pillar guides
- NPA Settlement — Pillar GuideEnd-to-end NPA settlement playbook across secured and unsecured exposures.
- One Time Settlement — Pillar GuideOTS process, discounts, documents, CIBIL impact and rejection recovery.
- Loan Restructuring — Pillar GuideTenor, rate and moratorium restructures for viable but stressed borrowers.
Deep-dive articles
- ARC Settlements — ExplainedWhy loans move to ARCs, how negotiation differs, and typical discount ranges.
- One Time Settlement — Complete GuideOTS framework, sanctioning matrix, discount benchmarks and CIBIL update.
- Loan Restructuring vs OTS — Which Is Right?Decision framework based on cash flow, security, age of NPA and lender stance.
- Car Loan NPA & RepossessionHypothecation, repossession, sale and how settlements typically play out.
Bank-specific playbooks
- Axis Bank Settlement ProcessEnd-to-end Axis Bank settlement workflow with escalation matrix.
- SBI One Time SettlementSBI OTS sanctioning matrix, discount bands and NOC playbook.
- Bank of Baroda Settlement FAQsCommon BoB settlement rejections and how to reposition the proposal.
- HDFC Bank Personal Loan SettlementUnsecured personal-loan settlement discount bands with HDFC recovery cells.