Real estate & business assets
Unstick stalled real estate, factories and operating businesses
Distressed asset resolution combines OTS, take-out finance, asset sale, slump sale and investor connect to release value from stuck situations.
Legally reviewed by
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
- Owners of stuck real estate or factories
- Promoters seeking exit from non-core assets
- Investors looking at special-situations opportunities
Benefits
Value crystallisation
Convert stuck assets into liquidity at fair value.
Multi-track approach
Negotiation, structuring and execution under one roof.
Confidential process
NDA-protected outreach to relevant counterparties.
Process
- 1Asset & liability mappingTitle, encumbrance, valuations, dues, regulatory status.
- 2Resolution structuringOTS plus take-out, asset sale, slump sale or co-investment.
- 3Counterparty outreachCurated outreach to investors, ARCs, take-out lenders, strategic buyers.
- 4ExecutionDocumentation, regulatory approvals, closing.
Frequently asked questions
Case Study · Illustrative
Stuck commercial project resolved with take-out + OTS
Real estate developer · ₹38 Cr · Two banks + one NBFC.
Outcome: OTS with banks at 63% closed via take-out finance from an NBFC; project re-launched.
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
- ARC negotiation & advisoryNegotiate with ARCs, structure take-out finance and SR-backed settlements.
- OTS Settlement serviceStructure, justify and negotiate One Time Settlements with banks, NBFCs and ARCs.
- DRT representationSecuritisation Applications, OA defence, interim relief and DRAT appeals.
- Loan restructuringTenor extensions, moratoriums and rate revisions for viable businesses.
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.
- SARFAESI — Complete GuideSections 13(2), 13(3A), 13(4), Section 14 DM assistance, auction and remedies.
Deep-dive articles
- ARC Settlements — ExplainedWhy loans move to ARCs, how negotiation differs, and typical discount ranges.
- Loan Restructuring vs OTS — Which Is Right?Decision framework based on cash flow, security, age of NPA and lender stance.
- NPA Recovery Process — Step by StepThe full recovery lifecycle from SMA to auction, and the settlement off-ramps.
- One Time Settlement — Complete GuideOTS framework, sanctioning matrix, discount benchmarks and CIBIL update.
Bank-specific playbooks
- Axis Bank Settlement ProcessEnd-to-end Axis Bank settlement workflow with escalation matrix.
- Bank of Baroda Settlement FAQsCommon BoB settlement rejections and how to reposition the proposal.
- PNB NPA Settlement GuidePSU sanctioning ladder, RBI circular map and PNB-specific settlement bands.
- SBI One Time SettlementSBI OTS sanctioning matrix, discount bands and NOC playbook.