NPA Resolution & SARFAESI
Deep expertise in Non-Performing Asset resolution using the full arsenal of legal tools available to secured and unsecured creditors. Our practice combines aggressive legal action with strategic negotiation to maximize recovery for banks, NBFCs, and private lenders.
What We Offer
SARFAESI Act
complete Section 13 proceedings from notice to auction and possession
DRT Proceedings
original applications, certificate execution, and Recovery Officer proceedings
IBC Applications
Section 7 (financial creditor) and Section 9 (operational creditor) applications
One-Time Settlement
structured OTS negotiations with borrowers and guarantors
Asset Reconstruction
advisory for ARCs on distressed asset acquisition and resolution
Wilful Defaulter Actions
RBI framework compliance and legal proceedings against wilful defaulters
Guarantor Proceedings
personal guarantor insolvency and recovery under IBC amendments
Forensic Analysis
financial forensics to identify asset diversion and fraudulent transfers
Our Process
NPA Assessment
Comprehensive review of the NPA account including security, guarantees, and recovery potential.
Strategy Selection
Choosing the optimal legal framework — SARFAESI, DRT, IBC, or combination approach.
Legal Action
Initiating proceedings with focus on early interim relief and asset preservation.
Resolution
Pursuing resolution through settlement, auction, or insolvency proceedings.
Enforcement
Ensuring complete execution of recovery orders and distribution to creditors.
Frequently Asked Questions
What types of lenders do you represent?
Banks, NBFCs, housing finance companies, ARCs, and private lenders with secured and unsecured exposures.
What is the typical recovery rate?
Recovery rates vary by case — SARFAESI proceedings typically achieve 40-70% recovery, while IBC proceedings average 30-45%.
Can you handle bulk NPA portfolios?
Yes. We have experience managing portfolio-level recovery mandates for banks and ARCs.
Ready to Get Started?
Contact Subodh Bajpai for a consultation on npa resolution & sarfaesi.
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