NBFC Loan Recovery & Resolution
NBFC loan recovery and resolution advisory: NPA management, debt restructuring, one-time settlement, recovery policy design and write-off strategy.
Stressed NBFC books need a strategy, not just follow-up calls — segmentation, right-channel allocation, restructuring where viable, settlement where not, and provisioning that reflects reality.
We design and operationalise your recovery and resolution playbook: NPA management advisory, debt restructuring, one-time settlement frameworks, recovery policy and process, and write-off strategy — all within RBI's prudential norms.
What's included
Recovery strategy
- Loan recovery advisory: segmentation, channel strategy and intensity matrices
- Recovery policy & process: documented, board-approved and auditable
- Collection agency selection, contracting and performance management
- Digital and field collections operating model
Resolution & restructuring
- NPA management advisory: provisioning, asset classification and upgrade discipline
- Debt restructuring within RBI prudential framework for stressed assets
- One time settlement advisory: OTS policy, authority matrix and documentation
- Write-off settlement advisory: technical vs prudential write-offs done right
Governance & analytics
- Recovery MIS: roll-rates, cure-rates and vintage analysis
- Legal recovery coordination: SARFAESI, DRT and arbitration strategy
- Fair-practice compliance in recovery conduct
How we work
- Book diagnostic. DPD, vintage and segment analysis of the stressed book.
- Strategy design. Segment-wise recovery vs resolution strategy with targets.
- Policy build. Board-approved recovery, restructuring and OTS policies.
- Execution support. We work alongside your collections and legal teams.
- Review. Monthly effectiveness review and strategy recalibration.
What you receive
- Stressed-book diagnostic report
- Board-approved recovery and OTS policies
- Restructuring framework documentation
- Recovery MIS templates and review cadence
Recovery & Resolution — FAQs
Restructure viable borrowers with temporary stress; settle where recovery cost exceeds realisable value; write off per policy with proper approvals. We build the decision framework.
Yes, within a board-approved OTS policy and prudential norms. We draft the policy and authority matrix.
We coordinate strategy with your advocates — eligibility, notices and timelines — while you retain legal counsel for proceedings.
A documented, fair-practice-compliant process with trained agents and grievance redressal. We build it into the policy.
Need help with recovery & resolution?
Free initial consultation — tell us your situation and we'll scope a fixed-fee engagement.