Re-engineer your debt
Restructure your debt to keep a viable business alive
Tenor extension, moratorium, rate revision, additional working capital — restructuring rehabilitates the loan when the business is fundamentally viable.
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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 with temporary cash-flow disruption
- Promoters willing to inject additional equity
- Viable businesses with seasonality issues
Benefits
Keep the business running
Avoid forced sale of operating assets.
Lower EMI burden
Tenor and rate revisions reduce monthly outflow.
Standard asset status
Successful restructuring can prevent NPA classification or rehabilitate it.
Process
- 1Viability assessmentTEV-style assessment of business and cash flows.
- 2Restructuring planDetailed restructuring proposal with projections.
- 3Submission & negotiationSubmission to lender(s) with consortium coordination where applicable.
- 4Sanction & monitoringImplementation, monitoring covenants and compliance.
Frequently asked questions
Case Study · Illustrative
Restructured ₹14 Cr facility with 12-month moratorium
Auto components SME · Two lenders · Working capital + term loan.
Outcome: Moratorium granted, tenor extended by 24 months, operations stabilised.
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
- OTS Settlement serviceStructure, justify and negotiate One Time Settlements with banks, NBFCs and ARCs.
- ARC negotiation & advisoryNegotiate with ARCs, structure take-out finance and SR-backed settlements.
- Distressed asset resolutionEnd-to-end resolution — OTS, take-out finance, asset sale and investor connect.
Pillar guides
Deep-dive articles
- Debt Restructuring GuideRBI framework, eligibility, documentation and post-restructure discipline.
- Loan Restructuring vs OTS — Which Is Right?Decision framework based on cash flow, security, age of NPA and lender stance.
- NPA Classification Rules in IndiaSMA-0/1/2 to NPA (substandard/doubtful/loss) — the RBI classification ladder.
- NPA Management in Indian BanksHow banks manage NPAs internally — useful context for structuring proposals.