What discount can I expect?

Most OTS approvals settle between 55–80% of principal depending on collateral, age of NPA and your repayment capacity.

Will my CIBIL improve immediately?

Settled accounts show as 'Settled' which is better than 'Written-off' but lower than 'Closed'. We push for accurate bureau reporting.

Most sanctions permit a phased payment over 90–180 days. Bullet payments are also possible.

One Time Settlement

Structured OTS proposals — backed by financial justification and the right escalation path — close NPAs at meaningful discounts to outstanding dues.

Lower total outflow

Typical OTS closures settle 20–45% lower than outstanding dues.

Full account closure

No-Dues Certificate, security release and CIBIL update.

Faster resolution

Most cases close within 3–6 months of engagement.

Protect assets

Stops SARFAESI auction and parallel proceedings.

1
Eligibility & financial review
We map account status, security, prior offers and your repayment capacity.
2
Drafting the proposal
Financial justification, comparable settlement benchmarks and source-of-funds plan.
3
Submission & escalation
Filed with the correct sanctioning authority; escalated as needed.
4
Negotiation rounds
Counter-offers, committee briefings and structuring of payment plan.
5
Sanction & payment
Sanction letter, timed payments and security release.
6
Closure & bureau follow-up
NOC and CIBIL status correction.

Case Study · Illustrative

OTS settled at 58% of principal in 5 months

Mid-sized manufacturer · ₹4.2 Cr outstanding · Secured by industrial plot · PSU bank.

Outcome: Sanction received, payment scheduled in three tranches, NOC issued, CIBIL updated as Settled.