What does an NPA consultant charge in Assam?

We charge a diagnostic fee (fixed) for the first 7 days plus a resolution retainer keyed to the exposure size. There is no success fee on Board-approved OTS.

Can an NPA consultant stop a SBI SARFAESI notice?

Not directly — the notice cannot be withdrawn, but a well-drafted 13(3A) reply plus a viable OTS proposal typically freezes further coercive action. Our diagnostic tells you if that path is realistic in your case.

Do I still need a DRT lawyer if I engage an NPA consultant?

Yes for actual filings — we coordinate with panel advocates at DRT Guwahati. Consultant + advocate is the standard split of work.

How long does an NPA resolution take in Assam?

Typical timelines: OTS 3–6 months, restructuring 4–9 months, DRT Section 17 SA interim order 3–8 months. Full closure and NDC receipt: 6–18 months depending on lender.

How is the Assam Microfinance Institutions Regulation Act relevant?

The 2020 Act (and subsequent Assam Micro Finance Institutions Debt Relief Scheme) capped charges and provided relief on microfinance loans, materially reducing recoverable amounts for MFIs and NBFCs.

Are Northeast borrowers heard at DRT Guwahati?

Yes — DRT Guwahati has territorial jurisdiction across all Northeast states (Assam, Nagaland, Manipur, Mizoram, Meghalaya, Arunachal, Tripura).

Can a tea garden be auctioned under SARFAESI?

Yes, but Tea Board and Assam government transfer NOCs are required — buyer universe is limited to qualified planters.

Which bank has the largest Assam MSME NPA exposure?

SBI and Bandhan Bank have deep exposure; the erstwhile United Bank of India (merged into PNB) also carries a large legacy book.

Assam • Advisory

NPA Consultant in Assam

We advise borrowers, promoters and directors across Assam on how to resolve NPA classifications, defend against SARFAESI / DRT action and negotiate a One Time Settlement (OTS) with SBI, United Bank legacy accounts (now PNB), Bank of Baroda and other lenders active in the state.

Independent NPA diagnostic — IRAC classification review, GNPA / SMA status analysis and lender-wise exposure map for Assam accounts.

Strategy memo — OTS vs restructuring vs SARFAESI defence vs DRT counter-claim, tuned to your SBI/United Bank legacy accounts (now PNB) exposure.

Lender-facing representation before the Gauhati High Court-territory circle offices of your bank.

Coordination with panel advocates at DRT Guwahati and the Gauhati High Court.

End-to-end resolution — from first advisory call to closure letter / NDC.

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Written by

Sharad Wardhan

MD, NPA Experts

CA, ex-Deputy Vice President (Banking)

Legally reviewed by

NPA Experts Legal Review Panel

Empanelled counsel practising before DRT, DRAT and High Courts

Last updated

July 14, 2026

Editorial policy

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.

Assam

Everything a Assam borrower needs to know about NPA Consultant

Why borrowers in Assam need a specialist NPA consultant

Assam's stressed asset base carries a significant microfinance overhang — the 2020–21 Assam microfinance crisis and subsequent Assam Microfinance Institutions Act reshaped the state's NPA book. A borrower facing NPA in Assam is typically fighting a combined action — SARFAESI 13(2) notice from the bank, possible DRT filing, and mounting default interest. Our advisory role is to convert that pressure into a structured, defendable resolution before it escalates to a public auction. Sector focus: Tea gardens; Oil & gas ancillaries; MFI-borrowers (post-2020 stress).

Lenders we handle in Assam

Active in the state and covered under our advisory: SBI, United Bank legacy accounts (now PNB), Bank of Baroda, Bandhan Bank, Assam Gramin Vikash Bank. Each lender has its own OTS matrix, delegation limits and Board-approval trigger; SBI's circle office typically routes exposures above ₹5 Cr to its zonal Stressed Asset Recovery Branch (SARB).

Our diagnostic — first 7 days

Day 1–2: exposure mapping across SBI and United Bank legacy accounts (now PNB) plus other lenders. Day 3–4: IRAC classification and DPD review against the RBI IRAC Circular (SMA-0 / SMA-1 / SMA-2 / NPA / Doubtful / Loss). Day 5–7: strategy memo with OTS band, SARFAESI-defence timeline and DRT counter-claim viability. Deliverable: written strategy note you can present to your Board or family.

Coordination with the DRT Guwahati bench

DRT Guwahati serves Assam and the wider Northeast (Nagaland, Manipur, Mizoram, Meghalaya, Arunachal, Tripura). We coordinate with empanelled advocates at DRT Guwahati for Section 17 Securitisation Applications, stay applications and cross-Original Applications where the bank has filed for recovery.

Local intelligence

Courts, lenders and hubs relevant to Assam

Court structure

Gauhati High Court

Writ jurisdiction seat.

DRT Guwahati

DRT Guwahati serves Assam and the wider Northeast (Nagaland, Manipur, Mizoram, Meghalaya, Arunachal, Tripura).

Primary lenders

• SBI
• United Bank legacy accounts (now PNB)
• Bank of Baroda
• Bandhan Bank
• Assam Gramin Vikash Bank

Banking hubs

• Guwahati
• Dibrugarh
• Jorhat
• Silchar

Stressed sectors

Tea gardens; Oil & gas ancillaries; MFI-borrowers (post-2020 stress); Retail trade

Auction / procedural note. Tea-garden auctions require Tea Board and Assam government approvals; buyer universe is narrow.

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NPA Consultant — Assam FAQs

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OTS Settlement in Assam SARFAESI Defence in Assam DRT / DRAT Lawyer in Assam Bank Loan Settlement in Assam Loan Restructuring in Assam