Will restructuring hurt my CIBIL?

Restructured accounts are flagged for the duration. Successful execution typically restores ratings over time.

Can I restructure across multiple lenders?

Yes — consortium restructuring is possible with consensus, often through a Joint Lenders Forum or RBI-aligned frameworks.

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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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

1
Viability assessment
TEV-style assessment of business and cash flows.
2
Restructuring plan
Detailed restructuring proposal with projections.
3
Submission & negotiation
Submission to lender(s) with consortium coordination where applicable.
4
Sanction & monitoring
Implementation, 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.