What is NPA & How We Help
An account becomes NPA (Non-Performing Asset) when loan installments remain unpaid for 90 days or more. NPA status severely damages your credit score, can lead to legal action, and may result in the bank taking possession of your collateral.
At Indi Fin Serv, our ex-banker team knows exactly how banks assess NPA cases and how to negotiate the best possible resolution — whether that's a restructuring, one-time settlement (OTS), or a fresh loan to close the NPA account.
Our NPA Resolution Services
- Pre-NPA intervention — restructure before 90 days
- One-Time Settlement (OTS) negotiation with banks
- Loan restructuring under RBI MSME resolution framework
- SARFAESI notice response and legal support coordination
- DRT (Debt Recovery Tribunal) liaison support
- Credit score revival plan post-NPA resolution
- Fresh loan sourcing after NPA settlement
⏱ Maximum Turnaround Time
30 – 60 DaysFor OTS / Restructuring resolution (varies by bank & case complexity)Documents Required
The following documents are typically required. Our team will prepare a personalised checklist for your specific case.
All existing loan sanction letters and account statements
Latest bank notice / NPA classification letter
Last 3 Years ITR with Balance Sheet & P&L
Last 24 Months Bank Statements
KYC of all directors/partners/proprietors
Property documents (if collateral pledged)
Business registration and GST documents
Any correspondence with the bank regarding the loan
CIBIL report (we will pull this with your consent)
Any court / SARFAESI / DRT notices received
Eligibility Criteria
- Any business or individual with an NPA / SMA-2 account
- Accounts with banks, NBFCs, or ARCs (Asset Reconstruction Companies)
- Businesses with genuine cash flow issues (not wilful defaulters)
- Accounts under SARFAESI proceedings
- Accounts where OTS is being considered by the bank
- Businesses that need fresh credit after NPA resolution
Why Choose Indi Fin Serv?
- Our team has sat on the other side of the table — we know how banks assess NPA cases
- Direct relationships with senior bank officials in Pune and Mumbai
- We build a compelling case for why the bank should settle and on what terms
- Strict confidentiality — your case is never disclosed to third parties
- Post-settlement: we help you rebuild your credit and get fresh loans
- We have successfully resolved cases where others had given up