Anonymised, illustrative case studies — client identity is always protected. Outcomes depend on case-specific facts.
Situation: Mid-sized manufacturer classified as Doubtful for 18 months; secured by industrial plot.
Approach: Financial justification, Settlement Committee escalation, phased payment plan over 90 days.
Outcome: Sanction received, NOC issued, CIBIL updated as Settled.
Situation: Real-estate developer facing physical possession of commercial property.
Approach: Securitisation Application with grounds on valuation and procedural defects.
Outcome: Interim status quo on auction; restructuring under active discussion.
Situation: Logistics business whose loan was sold to an ARC at SR-backed deal.
Approach: Direct settlement proposal with quick-cash structure; refinance lined up via NBFC.
Outcome: Settled at 64% of outstanding; CIBIL updated.
Situation: Trading SME with disputed account statement and wrongful NPA classification.
Approach: Robust written statement, counter-claim, and contested OA hearings.
Outcome: Reduced settlement at 52% accepted after interim ruling.
Situation: Auto components SME hit by sectoral cyclical downturn; otherwise viable.
Approach: TEV-style assessment; consortium restructuring with moratorium and tenor extension.
Outcome: Account preserved as Standard; operations stabilised.
Situation: Real estate project stalled due to lender disputes across two banks and one NBFC.
Approach: OTS with banks; take-out finance via NBFC; project re-launched.
Outcome: OTS at 63% of principal across lenders; project re-started.
Situation: Personal guarantor of failed business facing recovery proceedings.
Approach: Negotiated guarantor-specific settlement; payment plan over 6 months.
Outcome: Recovery proceedings withdrawn; guarantor released.
Situation: Specialty chemicals promoter at risk of losing controlling stake.
Approach: Mezzanine line via private credit fund; staged bank dues settlement.
Outcome: Promoter retained control; bank dues fully settled.