Business Loan, npa, Npa finance, Npa Account, Sarfaesi, Drt, Nclt

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Business Loan, Loans for bad credit

NPA, NPA Account, What is npa, Non performing assets, Sarfaesi

Sarfaesi Act, DRT, Debt Recovery Tribunal

npa management, OTS

कड़ी मेहनत से स्थापित अपनी कंपनी की प्रतिष्ठा को जोखिम  में डालें.
एनपीए खातों (गैर निष्पादित आस्तियां) में गिरवी संपत्तियों को  बैंकों द्वारा सरफेसी कानून 2002 के तहत कब्जे से बचाने के बारे, भारतीय स्टेट बैंक (सैम शाखा) के पूर्व अधिकारी से सलाह मशविरे हेतु संपर्क करें.
अनुभवी बैंकर केस स्टडी उपरांत आपके बचाव हेतु कानूनी रणनीति तय करेंगे.

What is NPA Doctor
NPA Doctor is the "One Stop Solution" to help the Banks and the borrowers whose accounts are classified as non performing assets by the Banks.
It frees both the sides of all of their worries caused by the NPA Account(s) and helps in preparing DRT matters as well.  In brief, it arranges restructuring of eligible loans from the Banks or arranges funds from the strategic investors as venture capital or business loan; for the other units it draws out a strategy for revival or settlement of loan by way of compromised OTS.  It also defends the companies from highhandedness of Banks, normally committed by abuse of unfattered powers vested under the Sarfaesi Act.

Loan for Business

'NPA Doctor' guides for  the Lap (Loan against property), business loan, project finance, npa finance, restructuring of loans in clearly viable and elgible accounts.  Notably, no Bank, FI or NBFC in India finances the NPA accounts.  Thus an account with bad credit history, despite having the viable plans, once it is stamped as NPA, its fate is to die for want of funds, unless it itself comes out with some resolution strategy acceptable to the lenders.

It is the NPA Doctor, which, under its unique and innovative approach, helps the NPA accounts in scientefically making the SWOT analysis, to ascertain the possibilities of revival of business; thereby saving the national resources, the GDP and the employment of thousands of private sector employees, besides saving the forex resources invested in importing the costlier plant and machinery.

But, if an action in this regard is taken while the account is in standrad category, the chances of success are much more.

What is NPA in bank

'NPA' in banking, in the language of a layman denotes the defaulted loan accounts.  Abbreviating for non-performing asset, it means any Loan of the Bank that ceased to perform or in simple words generating interest income for the Bank. A non-agricultural Loan Account that remains continuously in default for a period of 90 days or more is classified as "Non-Performing Asset" & termed as NPA Account.   The Prudential Norms (2004) of Reseve Bank of India states as under;
"1. A loan granted for short duration crops will be treated as NPA, if the instalment of principal or interest thereon remains overdue for two crop seasons.
2. A loan granted for long duration crops will be treated as NPA, if the instalment of principal or interest thereon remains overdue for one crop season."

NPA Management

The increasing number of NPA accounts spoil the Balance Sheet and liquidity position of the Bank. Managing so many NPA Accounts is a big challenge. The accounts are migrated to SARB or SAM Branches by SBI, ARB by PNB, its Recovery & Law Cluster by OBC, etc, as these  outfits are specialised in taking the strongest coercive / legal action against the defaulters which include the confiscation and sale of the mortgaged properties under the Sarfaesi Act.  On the one hand the Bank comes under stress due to increased NPAs and stress is vital as it spreads from the Bank to the borrower and then to the mortgagors and guarantors as well.

The productivity, employment and state revenue is badly affected and the recyclable funds of the Banks are blocked  and it adversely affects the new startups. We are experts in NPA Management and the Banks, FI's  or Companies can approach to avail benefit of our specialisation in the field of npa management.
sarfaesi act
Why NPA Doctor
'NPA Doctor' is a super-specialized Legal-financial consultation service for the resolution of NPA accounts.
Even many of the Bank Officers, who do not handle the loan accounts with due care and caution, they are not only increase the NPA of their Banks and are making the recovery more difficult in the NPA accounts they are managing, but some timeson certain occasions, though inadvertantly,  commit unauthorised acts giving rise to the criminal consequences under the law. Here starts the role of NPA Doctor.  NPA Doctor is that super-specialised consultation and execution agency that lawfully and authoritatively safeguards the interest of its clients.
We help the Indian economy by the Companies with NPA Account to revive and also the Banks ...
For Banks it is the 'NPA Doctor' that paves a way for lawful and risk-free recovery, whereas, the legitimate business interest of the Companies having NPA Accounts is being safe-guarded under various recovery laws including the Sarfaesi Act, by the 'NPA Doctor'. We manage npa and its litigation in DRT debt recovery tribunal), NCLT as a team work with legal professionals.
The Services of 'NPA Doctor' at a glance

  • 'NPA Doctor' guides for business loan / restructuring to ensure continuity of the viable business under liquidity crunch, while it is standrad and thus saves them from being classified as NPA or the hard-recovery measures like Sarfaesi Possessions by the Banks.

  • Where the Bank fails its duty for restructuring the Sick but viable units, and the account becomes NPA, the NPA Doctor steps in for legal help.

  • Where the Banks are wrongfully taking the law in their own hands or abusing the powers vested under section 13(4) of the Sarfaesi Act, it is the 'NPA Doctor' that stands by the Companies and advises the legal safeguards.

  • Thus 'NPA Doctor' is not only playing a constructive role for the betterment of Indian Banking System and the Companies, but it is also boosting the production, the commercial activity, the revenue of the State and above all securing the jobs of thousands of innocent industrial workers.
npa resolution
How 'NPA Doctor' is a unique brand?
An intelligent Querry.
It is because, 'NPA Doctor' is an initiative of renowned NPA-Resolution Expert Mr. S. K. Jain, an Ex-Banker having a gooddeal of field exposure of working with SAM  (Stressed Assets Resolution) Branches of State Bank of India.  Mr. Jain is a seasoned expert having 35 years Service Experience of working with State Bank of India, to his credit.
Innovated entirely new concepts based on Banking experience in managing high value NPA's and the study of Recovery Law;  we boost the strength of the weaker party -  the NPA account holder,  and balancethe 'negotiaing equation' among lender and the borrower, which helps in fair settlement of loans.

Loan Settlement

OTS, One Time Settlement of Loan

The NPA Doctor boosts the negotiation power of NPA Account holders and provides funds for reaching One Time Settlement of Loan in the Accounts.with the Banks.
A stitch in Time saves the nine...
It is always advisable to Contact us at e early stage when the account is likely to be classified as NPA.   The early advice and action will strengthen your case in a better way, as it increases the chances for more waiver in loan settlement under OTS.   In case the Business is  to be continued, it is always better to start the damage control exercise as soon as possible.
NPA Consultant
 Mr. Shakti Kumar Jain
 Banking, Credit, NPA Resolution & Sarfaesi Act Consultant
 (Ex-SBI SAM Branch Officer)
Call: (91) 83606-96178
How the NPA Doctor helps the Borrowers?
 Certain things that the Banks Never want the Borrowers to know.
While taking possession or unlawfully auctioning the Mortgaged Properties in NPA Accounts in the garb of SARFAESI Act, the Banks often tend to keep certain information secret from the promoters & guarantors in NPA Loans. This includes the procedural lapses & abuse of powers by the Banks under The SARFAESI Act, while taking Physical Possession of the properties mortgaged in an NPA Account or putting those mortgages on Public Auction, for recovery of dues.
It is the Sarfaesi Act experienced, ex-Banker Consultant, who acquired deep knowledge through his ground work under the Sarfaesi Act, that includes the issuing of Demand Notice u/s 13(2) &  taking possession u/s 13(4) in addition to defending the Bank in Debt Recovery Tribunal (DRT).

Only an experienced NPA Consultant is able to minutely observe and lawfully argue these points in a more better way.  
Engage the Team NPA Resolution, now
#NPADoctor has a team of experts includin Chartred Accountants and specialist Advocates
to jointly handle the issues faced by NPA Companies.
Loan Settlement

The Team NPA Doctor assists you to lessen the stress.
The team provides specialised  legal defence in High Value NPA Accounts.
at various legal platforms  like DRT, DRAT, CDR, BIFR, NCLT  etc..
<h2>NPADoctor<h2/>  strategically  saves the assets mortgaged in NPA Accounts,

from being confiscated/ auctioned  under the SARFAESI Act.
NPADoctor prepares the proper reply / objections on behalf of the  borrowers
upon receiving the Demand Notice of Banks u/s 13(2) of the SARFAESI  Act.

The proper, legal and strategic formation of the reply to 13(2) Notice under Sarfaesi Act is very important
as it makes the basis for further defence for the npa borrowers under the law.
Don't Stake your Reputation!

stay against sarfaesi act
Book your appointment now!
Call: (91) 83606-96178
Start the loss-repairing strategy before the account is declared as NPA.
Therefore, please don't be lethargic in contacting the professional NPA Consultant.
A stitch in time saves the nine.

Wishing prosperity for your business:

Partner in your success;

Call: (91) 83606-96178
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