We negotiate Board-approvable One Time Settlement (OTS) proposals with SBI, Bank of Maharashtra, HDFC Bank and other lenders active in Maharashtra — with sanction letter, No Dues Certificate (NDC) and CIBIL/CIC closure as the final deliverable.
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.
OTS outcomes in Maharashtra typically settle at 45–65% of the outstanding principal for viable secured exposures, with lower recovery bands for older, doubtful accounts. The exact discount depends on collateral coverage, SBI/Bank of Maharashtra recovery policy and the age of the NPA. SBI and Bank of Maharashtra publish periodic non-discretionary OTS windows; HDFC Bank tends to negotiate case-by-case above ₹1 Cr.
Small NPAs (typically under ₹25 lakh) get sanctioned at the branch; mid-size at the circle-level SARB; exposures above ₹5–10 Cr usually go to Zonal Committee or Board. In Maharashtra, SBI's SARB sits at Mumbai for larger exposures.
Case A: Mumbai-based Textiles MSME, SBI exposure ₹1.8 Cr, NPA since 2022 — OTS approved at 52% (₹94 L) with 25% down and 9-month tail. Case B: Pune-based Sugar unit, Bank of Maharashtra exposure ₹68 L, doubtful — OTS approved at 41% with 100% payment inside 90 days.
Common derailers: unpaid statutory dues (GST/PF/ESIC) that trigger wilful-defaulter examination; ongoing SARFAESI auction that reduces the bank's incentive to settle; wilful-defaulter tag under the July 2024 RBI Master Direction. Our diagnostic flags each of these before we file.
Writ jurisdiction seat.
Three benches at Mumbai plus DRT Pune serve Vidarbha, Marathwada and Konkan borrowers.
Textiles (Ichalkaranji, Bhiwandi); Sugar co-operatives; Real estate (MMR); Auto components (Pune-Aurangabad belt)
Auction / procedural note. Bank auctions in MMR are highly liquid — reserve prices are often revised twice before sale. Rural belts see repeat auctions with 25–30% reserve drops.
