Services
NPA Advisory & Resolution for sick / NPA accounts
Expert guidance for pre and post NPA situation
Debt Advisory & Debt Syndication
Transparent and fair advise to raise, restructure, and manage debt in the most efficient and cost-effective way.
Private Equity
Assist companies to identify and partner with the right private investors who provide the growth capital and bring expertise to scale the business operations.
Business Growth Advisory
Beyond debt management, we support businesses with insights on financial growth, restructuring,
OUR PROCESS
Three Simple Steps To Begin Your Financial Recovery Journey
At NPA Consultants Pvt. Ltd., we make complex financial processes simple and transparent. Our structured 3-step approach ensures that every client receives the right guidance, strategic planning, and measurable results — all while maintaining confidentiality and professionalism.
01
Case Assessment
Review finances, legal actions, business performance, and growth potential.
02
Strategic Working Plan
Create strategies, secure funding, and prepare for successful negotiations.
03
Execution & Results
Implement plans smoothly, coordinate with banks, deliver effective outcomes.
Frequently Asked Question
Your Questions About NPA Answered
Our FAQ section provides clear insights into managing NPA pressure, understanding your legal rights, and exploring effective ways to regain financial stability. Here, you’ll find all the essential information and expert guidance you need simplified and explained in one place.
Do not panic or make hasty commitments. Avoid taking fresh loans or giving verbal assurances. Never ignore any notices — respond appropriately. The best way to handle NPA pressure is by taking timely professional assistance from experts who understand the process and can protect your legal rights.
You can borrow time by responding to every bank notice properly, presenting a genuine repayment or restructuring proposal, and seeking interim protection through legal means. Engaging a professional consultant or lawyer helps you gain additional time while staying within the law.
Yes, NPA accounts can be funded in certain cases if the business is viable and the borrower has genuine repayment capacity. Banks or alternate financiers may consider funding or restructuring when supported by proper documentation, realistic business projections, and adequate security.
Yes, under a One Time Settlement (OTS), banks can offer partial or substantial waiver of interest and, in some cases, principal. The exact waiver depends on your financial position, value of securities, and negotiation strength. Proper representation by experts can help you secure the best settlement terms.
A wilful defaulter is someone who has the capacity to repay but deliberately does not do so. It includes misuse of borrowed funds or selling secured assets without the lender’s consent. Consequences include being blacklisted by banks, legal actions, publication of the borrower’s name, and ineligibility under the Insolvency and Bankruptcy Code (IBC).
OTS is a settlement process offered by banks to close an NPA account through a lump-sum payment that is usually less than the total outstanding dues. It helps borrowers clear liabilities, avoid legal proceedings, and restart their business with a clean slate.