The banking space has become more complex and risky with the enactment of Securitisation Laws (SARFAESI) and government’s emphasis on quick reduction of Non-Performing Assets. Given the current economic slowdown, the current situation is only expected to worsen further.
During the last decade, given the rising expectations surrounding the India growth story, many ambitious businesses had borrowed huge amounts in the hope that they would propel themselves into the league of large-cap companies. However, things have not gone as per plan and given the demand-supply mismatch that exists today, it is apparent that several businesses are operating under tight margins and shrinking sales volumes. As a result, several investments made in the past few years have gone bad or are under severe strain, which include the well-intentioned bona-fide borrowers who had gone into an expansion mode. Hence, it remains the responsibility of big-ticket borrowers to identify early symptoms of sickness and take preventive and corrective measures to avert sickness and NPA. Our aim is to help and rescue the genuine borrowers whose business plans have gone wrong and are facing financial difficulty for no fault of theirs.
Debt restructuring and timely infusion of funds is important in this regard. CDR or Corporate Debt Restructuring is one such effective instrument in the hands of the borrower as well as the banker to timely intervene and rectify an adverse loan repayment situation. BankNPA.com, being equipped with experts from Banking, Accounting and Legal background, can act as a reliable consultant to negotiate and finalize CDR proposals and guide companies for timely intervention through CDR.
We also assist existing bank borrowers on matters of irregular & sticky accounts, NPA and Suit-filed accounts, bad loans and credit card loans. Particular care is taken of those embroiled in DRT and SARFAESI or Securitization cases. Help is at hand to reschedule and restructure the accounts or to apply for One-time settlement (OTS) proposals to Bank. In case of need, legal assistance is provided to tide over the pressure mounted for seizure of assets. We act as consultants for BIFR & AIFA cases.
Our expert team undertakes complex CDR proposals or Corporate Debt Restructuring cases involving financial, banking and legal expertise. On the whole, BankNPA.com is a trustworthy NPA consultant and advisor for OTS proposals, legal help, restructuring of loans, where borrowers from all over India can seek assistance. Timely intervention in bad loans is very crucial as otherwise the borrower is most likely to lose his business, his money and face litigation.
We prepare presentations for Banks and Financial Institutions for corporate debt restructuring including for sanction / conversion / modifications in existing credit facilities or for sanction of additional credit facilities as required by a specific company depending upon its needs. We have a team of retired senior bankers from various banks with expertise in CDR, who put in their vast experience at work to ensure that the presentations made to the banks and institutions are flawless so that the necessary approvals are obtained expeditiously. In order to provide a wide range of specialized services, we have partnered with asset management companies, law firms and other real estate service providers.
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