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As per name OTS Finance is a loan given by any financial institution recognized by RBI (Reserve Bank of India) to a NPA borrower to take over his previous  liability of NPA  from bank/NBFC’s  which was settled under one time settlement(OTS) and giving him a structured repayment in form of EMI’s. This  can be directly paid to previous bank on behalf of borrower through new financial institution. This new loan depends directly on nature & valuation of securities , income sources of borrower and  settlement conditions.

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OTS Finance Loan or OTS Funding, Loan for paying OTS | Fund Source

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OTS Finance or Funding - We at Fund Source India, experts in OTS Finance helps the client to raise funds for their OTS. Through our support, clients positively meet out their goal of funding for OTS & restart their financial life.

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How we helped Hyderabad Based client for the OTS Finance

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How we helped Hyderabad Based client for the OTS Finance

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we planned for taking both of the company in this new loan of OTS finance. One was the NPA company and one company serves as financial pillar for this new loan. Loan will be raised through help of this new company as it is having good supportive balance sheet with positive cash flow. Financial liability will be served by this new company & properties(land, building & machinery) of previous npa company is taken as collateral for this loan.

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This is about one of a our clients located in Hyderabad. We arranged the finance for his one time settlement with state bank of Hyderabad. For doing OTS Finance we are associated with some lending companies who are specially interested in financing such OTS transactions.

Client was having business of spinning mills. The spinning mill was started in year 2003. After some initial years, mill developed business in fast pace and started exporting in 10+ countries. Their company turnover increased manifolds & attains a turnover of Rs. 200+ in year 2011. They are enjoying a credit facility from state bank of Hyderabad to the tune of Rs.62 crores. Their repayment to bank was running very well till year 2013.

1. During year 2013,this there were agitations in the state for bifurcation of Telangana and Andhra Pradesh. As a result, there was stoppage of production on various days.

2. During this period, they not able to achieve the production of what we expected because we were not able to mobilize the labour and raw material. Also, they were not able to sell the finished product to other states because of the agitations conducted on the roads like "Vanta Varpu "etc.

3. Due to lack of exports to US and Europe, entire cotton yarn produced from spinning mills in the total country was being dumped in the domestic market. This resulted in the fall of the sale prices of the cotton yarn without corresponding reduction in the procurement price of cotton bales.

4. Also, the policy of the central and state governments providing a lot of incentives to spinning mills resulted in excess spindles across the country. This further resulted in big mismatch between supply and demand resulting to lower selling price of cotton yarn.

Due to all above factors, their turnover dipped very steeply and they are unable to repay installments & interest so their accounts in state bank of Hyderabad, slips in to the NPA. They requested and corresponds with bank mentioning above factors and why they are unable to serve interest on time. But, bank due to their strict policies unable to help them on this and issued notices under sarfaesi act 13(2) & 13(4) and demanded Rs.78 crores including interest & penalty. Wherein actual principal was Rs.58 crores only.

Matter was aggravated and client approached the DRT court for stay & court on various backgrounds puts a stay on taking possession & auction of collaterals. Upon realizing that case is slipping from their hands, bank moves to NCLT court.

After litigation & disputes, in year 2019 bank agrees for one time settlement with promise of waiving of all interest & penalties levied on the account. So they ask the client for formally apply for a OTS. So, client applied for OTS of Rs.50 crores but bank denies and asks to raise some more. So client once again applied for Rs.55 crores. Now, his application for one time settlement was accepted by bank and client got OTS letter of Rs.55 cr from bank with a timeline of six months.

Now, the next struggle starts for arranging money for paying off OTS. Client already planned for liquidation of his few properties which was free from any bank mortgage & buyer was already finalized but only waiting for green signal from bank. So, client was having a arrangement of around Rs.30 crores that was infused by client. Now, there was shortfall of rs.25 crores. For which client starts searching in his local market of Hyderabad. But, he could not found a proper solution. But, one a consultant(suresh reddy) whom was contacted by client start looking on google and after one or two trials he approached us. He explained the complete case and shared the documents whatever available with him. He also made us contact the client directly and through video calls, we collected some more information & documents required in the proposal. Luckily client has another company in which same business of spinning mill was running but business turnover was very less because main turnover was in their flagship company which slips in to npa. After declaring their account NPA, bank freezes their accounts which makes them unable to run business. So they diverted some of the business in that company and his sales raised rs.114 crores. Also this company has light debt of rs.3.5 cr CC limit form KVB.

Now, we planned for taking both of the company in this new loan of OTS finance. One was the NPA company and one company serves as financial pillar for this new loan. Loan will be raised through help of this new company as it is having good supportive balance sheet with positive cash flow. Financial liability will be served by this new company & properties(land, building & machinery) of previous npa company is taken as collateral for this loan.

So, we started the process for this OTS finance, first we gather all the documents of both companies and officially login the case in one of our lending company specialized for such kind of OTS finance transactions. They deeply studied the case & met the client also does the due diligence of business. Also does the legal & valuations of all underlying securities/collaterals. After getting a positive response from their credit committee they issued a term sheet to client describing all terms & conditions for new loan. And after few negotiations between the parties, letter was accepted by client. And final due diligence was done with state bank of Hyderabad regarding previous loan papers personal guarantees, underlying securities & other terms & conditions. Once all due diligence completed they informed the previous bank about release of payment from their end and execute legal document for taking over previous loan & securities from bank. Also legal agreements & documentation is done with client. And after successfully completing all the documentation they disburse the amount directly to previous bank & all the collateral handed to new lender in proper timely manner.

In this way, above transaction of OTS finance was delivered successfully making client able to service his one time settlement within timeline.

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How we helped Hyderabad Based client for the OTS Finance - Fundsource

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This is about one of a our clients located in Hyderabad. We arranged the finance for his one time settlement with state bank of Hyderabad. For doing OTS Finance we are associated with some lending companies who are specially interested in financing such OTS transactions.

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NPA Loan is a loan that is given by a RBI registered company to take over a borrower’s npa account liability by taking over his npa account from the previous bank and paying directly on behalf of the borrower to completely close the previous NPA account.

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NPA Funding, Loan for NPA Accounts , NPA Loan Takeover | Fund Source

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Loan for NPA Accounts - Fund Source is India's No.1 NPA Finance & OTS Finance company with Proven Track Record. We are exclusively working for Private Finance for NPA Accounts

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Takeover of Asset Reconstruction Company Loans: Unlocking Opportunities for Financial Revival

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Takeover of Asset Reconstruction Company Loans: Unlocking Opportunities for Financial Revival

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The takeover of Asset Reconstruction Company loans represents a strategic opportunity for investors and financial institutions to unlock the potential value of distressed assets, drive financial revival, and create value for all stakeholders involved. By identifying hidden value, resolving distressed loans, and revitalizing businesses, the takeover process contributes to the resolution of non-performing assets and fosters a healthier financial ecosystem. As investors continue to seek opportunities in distressed debt, the takeover of ARC loans remains a compelling avenue for capitalizing on potential returns while supporting the overall financial revival of distressed businesses and the economy as a whole.

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Introduction: In the realm of distressed debt resolution, the takeover of Asset Reconstruction Company (ARC) loans has emerged as a strategic move for investors and financial institutions seeking to capitalize on the potential value of distressed assets. The process of acquiring ARC loans presents an opportunity to unlock hidden potential, drive financial revival, and create value for both lenders and investors. In this blog post, we will explore the concept of the takeover of ARC loans, its significance, and the benefits it offers to all stakeholders involved.

Understanding the Takeover of ARC Loans: The takeover of ARC loans refers to the acquisition of distressed loans held by Asset Reconstruction Companies (ARCs) by investors or financial institutions. Through this process, the acquiring party gains control over the assets and assumes the responsibility of resolving the distressed loans to recover their value. The takeover is often driven by investors who possess the expertise, resources, and vision to maximize the potential returns from distressed assets.
Key Aspects of Takeover of ARC Loans:

1. Identifying Potential Value: The takeover of ARC loans requires a meticulous evaluation of the distressed assets and the potential value they hold. Investors conduct thorough due diligence to identify assets with hidden value, such as undervalued properties, promising businesses, or recoverable collateral. This analysis forms the foundation for developing a strategy to extract maximum value from the acquired loans.

2. Debt Resolution and Recovery: After the takeover, the acquiring party takes on the task of resolving the distressed loans and recovering the maximum possible value. This involves employing various strategies, such as debt restructuring, asset assessment, negotiations with borrowers & legal terms with ARC. The objective is to achieve optimal recovery and generate returns on the investment made in acquiring the loans.

3. Business Revitalization: In cases where the ARC loans involve businesses, the takeover provides an opportunity to revitalize and turnaround those entities. The acquiring party can bring in their expertise, resources, and management capabilities to restructure operations, inject capital, implement strategic changes, and steer the business towards profitability and sustainability.

Benefits of Takeover of ARC Loans:

1. Value Creation: The takeover of ARC loans presents the potential for significant value creation. By acquiring distressed loans at a discounted price, investors have the opportunity to recover and realize the underlying value of the assets, leading to potential financial gains.

2. Diversification of Investment Portfolio: The takeover of ARC loans allows investors to diversify their investment portfolio. By adding distressed assets to their holdings, investors can balance their risk exposure and tap into potential returns that might not be available through conventional investment avenues.

3. Resolving Non-Performing Assets: Takeover of ARC loans contributes to the resolution of non-performing assets within the financial system. By acquiring these distressed loans, investors help alleviate the burden on banks and financial institutions, allowing them to focus on their core operations and lending activities.

4. Support for Borrowers: The takeover of ARC loans can also provide relief and support for borrowers. With a fresh perspective and resources brought in by the acquiring party, borrowers may receive debt restructuring options, business turnaround assistance, or additional financial support to navigate their challenges and regain stability.

5. Added Benefits for Borrowers :

Relief from NPA Status

Improved Cibil scoring & Cibil profile

Option to move in standard banking

Avail financial products like CC/OD

Additional working capital for business

Conclusion: The takeover of Asset Reconstruction Company loans represents a strategic opportunity for investors and financial institutions to unlock the potential value of distressed assets, drive financial revival, and create value for all stakeholders involved. By identifying hidden value, resolving distressed loans, and revitalizing businesses, the takeover process contributes to the resolution of non-performing assets and fosters a healthier financial ecosystem. As investors continue to seek opportunities in distressed debt, the takeover of ARC loans remains a compelling avenue for capitalizing on potential returns while supporting the overall financial revival of distressed businesses and the economy as a whole.

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Takeover of Asset Reconstruction Company Loans: Unlocking Opportunities for Financial Revival - Fundsource

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Introduction: In the realm of distressed debt resolution, the takeover of Asset Reconstruction Company (ARC) loans has emerged as a strategic move for investors and financial institutions seeking to capitalize on the potential value of distressed assets. The process of acquiring ARC loans presents an opportunity to unlock hidden potential, drive financial revival, and create [...]

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A one-time loan settlement (OTS) is a process where a borrower and a lender agree to settle a loan for a lump sum payment, which is typically less than the full amount owed.

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A one-time loan settlement (OTS) is a process where a borrower and a lender agree to settle a loan for a lump sum payment, which is typically less than the full amount owed. Here is an overview of how a one-time settlement typically works:

1. Negotiation: The borrower contacts the lender to discuss the possibility of settling the loan. The lender will consider the borrower's financial situation and their ability to pay a lump sum. Based on this evaluation, the lender may offer a settlement amount.

2. Documentation/Agreement: The terms of the OTS agreement are documented in a written contract. It is important to have a clear understanding of the terms and conditions of the agreement and to follow the proper legal procedures. If both parties agree to the settlement amount, they will enter into an OTS agreement. This agreement will detail the terms and conditions of the settlement, including the settlement amount, payment due date, and any additional fees or charges.

3. Payment: The borrower is responsible for paying the agreed-upon settlement amount to the lender in a lump sum. This payment must be made on or before the due date specified in the agreement.

4. Loan status/Closure: Once the settlement amount is paid, the loan is considered settled, and the lender will report the settlement to the credit bureaus. The borrower's credit report will reflect the settlement, which may have a negative impact on their credit score.

It is important to note that the terms of an OTS agreement can vary based on the specific circumstances of each case, and the settlement may have an impact on a person's credit score and financial situation. Additionally, there may be tax implications associated with a one-time loan settlement, depending on the type of loan and the settlement amount.

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A one-time loan settlement (OTS) is a process where a borrower and a lender agree to settle a loan for a lump sum payment, which is typically less than the full amount owed. Here is an overview of how a one-time settlement typically works: Negotiation: The borrower contacts the lender to discuss the possibility of settling the loan.

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Refinancing an ARC loan can help to reduce your overall cost of borrowing, improve your cash flow, and provide you with greater flexibility in managing your debt. By refinancing your loan, you can potentially lower your interest rate, extend your loan tenure, and obtain more favorable terms.

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Refinance of ARC Loan - Takeover of asset reconstruction company loan- Fundsource

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If you are an borrower that needs to refinance your existing loan of ARC, we can help. Fund Source India Team has extensive experience in providing refinancing solutions

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Issues Related to Non Performing Assets Finance or Funding

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Issues Related to Non Performing Assets Finance or Funding

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Non-Performing Assets (NPA) in finance can have various implications, including an increase in credit risk, loss of revenue, economic slowdown, strain on the banking sector, legal complications, reduced availability of credit, and impact on shareholders. NPAs indicate that borrowers have defaulted on repayments, resulting in a decline in funds available for future lending. Lenders suffer significant losses as they are unable to recover the outstanding amount from non-performing assets.

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However, here are some general issues related to Non Performing Assets (NPA) finance or funding:

1. Increase in credit risk: NPAs indicate that the borrower has defaulted on repayments. This increases the credit risk for lenders and investors, which can lead to a decline in funds available for future lending.

2. Loss of revenue: Lenders suffer significant losses as they are unable to recover the outstanding amount from non-performing assets. This results in a loss of revenue for the lender.

3. Slowdown in economic growth: NPAs indicate a slowdown in economic activity, which can affect overall economic growth. NPAs can cause financial instability and reduce investor confidence.

4. Strain on the banking sector: NPAs can create a strain on the banking sector, resulting in reduced profitability and an increase in the cost of funds.

5. Legal complications: Recovering funds from NPAs can be a lengthy and complicated process, resulting in legal challenges and additional costs for lenders.

6. Reduced availability of credit: Lenders become more cautious in lending to those sectors that have a higher potential for NPA Finance. As a result, borrowers may find it difficult to obtain credit, leading to a slowdown in economic growth.

7. Impact on shareholders: NPAs can have a significant impact on the share price of a lender. Shareholders may lose confidence in the lender's ability to manage risk, leading to a decline in share prices.

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Issues Related to Non Performing Assets Finance or Funding

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However, here are some general issues related to Non Performing Assets (NPA) finance or funding: Increase in credit risk: NPAs indicate that the borrower has defaulted on repayments. This increases the credit risk for lenders and investors, which can lead to a decline in funds available for future lending.

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The Impact of Private Finance on the Resolution of Non-Performing Assets

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The Impact of Private Finance on the Resolution of Non-Performing Assets

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Private finance for NPA accounts can be a valuable tool for addressing the problem of NPAs and helping to stabilize the banking sector. However, it is important for the financial institutions that hold NPAs to carefully consider the terms and conditions of any private finance arrangements and to ensure that they are in the best interests of the institution and its shareholders.

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India's No.1 OTS Finance Company with Proven Track Record When an account becomes NPA, it creates lots of problem to borrower and in worst scenario their business becomes shut down or bank takes the possession of collateral or even sell collaterals to recover loan.
To avoid this situation, borrower needs to repay this loan by any how. For this, best way is to apply for a OTS in bank. By the way of OTS, borrower can save lot of money in form of huge interest, legal charges & penalties.

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India's No.1 NPA Finance Company with Proven Track Record: We are exclusively working for NPA Segment, whether you can say it as NPA Finance, Finance for NPA Loan, NPA Retrieval, NPA Solutions, NPA Takeover, Finance for NPA Loan , Finance facility for NPA accounts, Transfer of NPA accounts, NBFC or Bank for NPA apparently all things are same. Bottom-line is this, that we will help you to transfer your NPA account in one of our Lender Company, so that you can have more time to pay off your debts and also save your precious property from the Bank SARFASI Act.

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NPA Finance for NPA Loan

India's No.1 NPA Finance Company with Proven Track Record: We are exclusively working for NPA Segment, whether you can say it as NPA Finance, Finance for NPA Loan, NPA Retrieval, NPA Solutions, NPA Takeover, Finance for NPA Loan , Finance facility for NPA accounts, Transfer of NPA accounts, NBFC or Bank for NPA apparently all things are same. Bottom-line is this, that we will help you to transfer your NPA account in one of our Lender Company, so that you can have more time to pay off your debts and also save your precious property from the Bank SARFASI Act.
So that you feel satisfied and relieved. Only one condition is there, that value of your property or collateral must be double of your NPA account. If yes, then please feel free to contact us and make yourself free from this Saturn of Financial World.

What is NPA in Finance? A nonperforming asset (NPA) refers to loans that are in default or in arrears. A loan is in arrears when principal or interest payments are late or missed. A loan considered default when the debtor is unable to pay interest overdue for more than 90 days.
What happens when loan becomes NPA? The lender will start legal proceedings only after you have not paid three consecutive EMIs. Debtor has a notice of 60 days to clear the dues.
How to Settle NPA Loan? In 60 days' notice time debtor should try to settle the NPA Amount via OTS Funding. In OTS Scheme borrower proposes to settle all the dues at once and bank agree to accept the lesser offered amount than what was originally due.

Finance For NPA Loan Account

NPA Loan starts from Rs.2 crores to any amount

NPA Finance Loan available in all major tier 1, 2, and 3 cities in India

OTS Finance or Non OTS Transaction

Easy Onset of process through soft copies

Debt + Equity arrangements in cases larger than Rs.10 Crores

At Fund Source NPA Finance Company in Delhi, we have proven Track Record to NPA Retrieval or NPA Finance. We have vast experience and deep knowledge of the subject. This made us to serve best to our NPA Clients.

NPA Loan Takeover is also available & clients are welcome, whereas non OTS transaction also be dealt.

Additionally you can handle the NPA situation as under :

Gain time legally.

Get an equal stand with the Bank to agree to work out an amicable solution.

Restructure the business, gain financial strength and improve bargaining power.

Ultimately settle with the Bank amicably and put the unit back in a healthy state.

Re-Finance of NPA Accounts

What is NPA Finance Account : Non Performing Asset

When a loan account in a bank stop yielding/making profit to bank or when a borrower of particular loan account stops repayments or EMI more than or equivalent three months then that particular account considered as NPA account.

when repayment stops, then bank declare that account as NPA or Non performing account for that particular bank.

Consequences to Borrower or Effects of NPA Account

Difficulty in day to day operations of accounts as bank starts adjusting the money deposited in accounts towards their charges & Interest. And above that limits and other facilities will be suspends.

Problems in maintaining accounts with other banks also. As bank start interferes with your other bank operations.

As bank is recalling their entire loan so they doesn't extend any further loan facilities.Borrower will faces problem in getting loan from other bank & NBFC's as per policies, Npa client is not eligible for loans & other such facilities.

Bank starts legal procedure for recovery of its loan. so attitude towards client become arrogant & authoritative and legal procedure distracts focus from business to fight legal stuations.

At some later stages, bank tries to or go for possession of collateral and properties. And if your business properties are engaged. then clients business & unit is completely stake of shutting down.

Properties engaged in loan, will loses its market reputation as bank proceeding put up notice on property and auction process greatly effects this. This results in lower down of market value of properties.

In last, as no other bank or NBFC's willing to give loan in NPA acccount so, taking a loan from market and repaying NPA account becomes very difficult for borrower.

Legal Notice issued by Bank to Borrower

Loan Recall Notice : This is total loan recall notice issued by bank after declaration of account as NPA account.This notice says to deposit entire amount of loan in particular given time.This is alarming stage for borrower.

Notice 13(2) : This notice issued by bank after above said notice. This notice notifies total outstanding amount in account & giving total sixty days of time for repayment. This is the stage where borrower needs to resolve this issue at his best.

Notice 13(4) : This notice issued by after above 13(2) notice. This notice also commonly known as "Symbolic possession Notice". As through this notice, bank notifies borrower, that particular mentioned assets/properties will be now legally belongs to them & they can for further process of taking physical possession of asset/property or other legal proceedings like auction of assets.

Options for Borrower

1) Restructure of NPA Finance Account

Borrrower can approach their bank to restructure their loan. This option gives some additional years for repayment and borrower can enjoy banking facilities also. This is kind of extension of loan. This product is completely depends upon banking polies & bank will holds complete rights to decide to go for it or not.

2) Legal Solutions

Client can appraoch their respective distict or state DRT courts for taking time for repayment & put up a hold on bank proceeding. Generally, this can be done by depositing 20-25% of amount out of total outstanding amount. This way time is given for further repayment of loan and borrower got relief from proceedings of bank, if he will fulfill his commitments in court.

3) OTS or One Time Settlement

If borrower have arrangement of money to repay his NPA loan, then he can approach the bank & asks for one time settlement This feature allows borrower to enjoy some discount on total outstanding of loan. This is the best way to control or wipe off heavy dues on loan account. This feature encourages both client & bank to settle down Npa account as Npa account are also critical for bank balance sheet. There are some institutes regulated by RBI, who can fund entire or part of OTS amount as per requirement and repaying capacity. Its better to hire a Finance Consultant for this as they are more knowledgeable & experienced on subject.

4) Refinance of NPA Finance Account

Borrower can go straight for refinance of his Npa loan. Through this feature, borrower pay off bank dues in total & get out of this mess. Borrower can arrange fund by themselves or some fundings are available in the market in same way in part or entire amount can be financed. It is highly advisable to hire a Finance Consultant for this as they are more knowledgeable in subject and they have ready connections for such kind of differential financing.

5) Paying Loan through Sell of Collateral

Borrower can do this in two different ways. First selling of asset or property which is not mortgaged in bank. This way, borrower can arrange money without any interference of bank & pay off his loan

Secondly, if asset or property is mortgage in bank then borrower can speak to bank directly and telling them his intentions of paying of debt through this tool. And if, bank allows than he can approach the bank with prospective buyer. This whole procedure can be achieved through a tripartite agreement between bank, borrower and buyer or some any other way suggested by bank.

Rights of Borrower

1) Right of Ample Notice : Bank have to follow the process while recovering his dues. Bank needs to follow safasi act & give you time for repayment. This is banks responsibility to notifies borrower about each proceeding involved in recovery so client can plan accordingly.

2) Right to be Heard : Borrower can make representation to the authorized officer and put forth his objections in the procedure. And in return, officer will be revert you within seven days with valid reasons on acceptance or rejection of objections,

3) Ensure Fair value : Borrower reserves right to ensure fair value of assets/collateral. Before auction or possession of an asset, bank will go for valuation of asset. And borrower can raise objection, if he found valuation of his asset is not up to mark or as per standard.

4) Realize Balance proceeds : Bank required to refund any balance after recovering their dues after auction of assets. This is borrower right to get whatever balance amount is left after process as this money belongs to him.

5) Right to be treated Properly :This was already mentioned by RBI years ago to treat borrower with dignity. RBI pulled up banks regarding conduct of their recovery agents. Bank official or their respective agencies cannot humiliate or mis-behave with borrower or their family member as banks are regulated bodies through RBI. Banking official can contact borrower and revover dues only within 7 am to 7 pm.

NPA Loan or OTS Finance or NPA Restructuring

After demonetization and GST regulation, there was steep increase in bank loan defaults. All the banks witnessed a rise in NPA accounts, SMA1 & SMA2. But in last years, market manages to survive with these regulations. Market shows a rise in business also and enhanced the work culture and digital payments methods also gives small & new online businesses an opportunity to perform.

In all this chaos, more business required Stress account finance or NPA account finance or NPA Restructuring. We served businesses during these times or I would say prior to these issues also. That's gives us vast experience and knowledge on this subject.

Today at Fund Source ,we evaluate the case from the first discussion with our client. We understand their issues with bank in respect of possession notices, DRT & NCLT proceedings. Some clients comes with OTS and some comes prior to OTS. We advises them, how they can raise OTS Funding or advises them on doing OTS with bank & also arranges pre-approval in some cases.

We evaluate their case very precisely and let them understand, how much fund they can raise on current circumstances & with their resources. Our calculation for loan amount is very sharp without any error & it is seen practically that lending companies offers same amount to them on the advance stages of proposal.
We suggest them on complete exit from this chaos of NPA account. We advise on current financing to make them a Standard Asset for bank. We arrange current finance under NPA Finance or OTS Finance and suggest them for future also.

We have proven track record and having clients in all major cities of country. In past, we served few clients who are under NCLT proceedings helps them with Scheme of Arrangement and raises funds under the scheme. We served clients who's property possession is taken by bank or clients who's having some urgency as per banks possession notice date. We served Stress accounts who has previous CIBIL issues or having emi bouncing in current loan & in verge of NPA Account.
We done all & performed well under banking pressures along with our clients as their finance partner. That's why we have slogan "Facing Bad Times Together".
We are also good at payment terms, usually we works without any upfront charges. We charge on performance base fee structure that suits every client without any issues. We respect timelines, we works under pressures and delivers our words.

NPA Finance or NPA Takeover or Transfer of NPA Account or NPA Loan - Terms & Conditions

What happens to NPA loan?. Some people get confused over these two phrases : NPA Finance or NPA Takeover. But, In my opinion both of the terms are same. Lets get in details, suppose someone account slips in to NPA Account and he want finance to repay or close NPA account, then new lender will takeover his existing NPA Account and new loan track will be started with this new lender.

How is NPA calculated?. So, still eager to know, what will be the terms & conditions of this New - NPA Loan from new lender :

First of all, we are talking about a New financier or Lender, which is approved company from RBI and works under all RBI compliances.

Moratorium : Client will gets moratorium period from one months to twelve Months, according to loan amount, Client requirement & business payment cycle.

Tenor : This again given as per client requirement, but ideally it ranges between one year to five years.

Loan Repayment : Through business revenue or rental income or through sale of collateral or other properties.

Pre-payment : This is totally depends upon institute to institute, some may allow you penalty free repayment after some time like six months of one year while other may charge a little penalty on outstanding balance.

Payment is made directly to NPA account or bank.

Time Taken : NPA Finance is the most challenging loans due its complications so, ideally it will takes around 20 days to 2 months depending upon complications like DRT or NCLT. But, you can get a approval letter within fifteen days of login & this letter can be submitted to bank or DRT if required.

What happens to NPA loan?. This NPA Loan can be availed, if case is registered in DRT or in fact even it in under NCLT court.

This Finance can be availed even if bank has taken the possession of collaterals.

This new loan will be transferred any bank or nbfc after some time of repayment.

This new NPA Loan can also works as Private Finance because it can be raised even with very low cibil score.

But, NPA loan is not a private finance, it has some properties of private loans.

Transfer of NPA Account eligible for Total bank outstanding or under OTS.

OTS or One Time Settlements can also financed under this NPA Finance.

We are happy to assist you on NPA Finance Consultant or NPA Funding or NPA settlement or NPA Restructuring do speak with our Financial Consultant and Advisors.

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NPA Finance, NPA Refinance, Finance For NPA Loan Account

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India's No.1 NPA Finance Company in Delhi with Proven Track Record: We at Fund Source India provide NPA Loan Take Over, NPA Account Takeover, NPA Finance or NPA Funding or NPA Finance companies in India or NPA Finance consultant in India

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FundSource India your solution for NPA Funding

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FundSource India your solution for NPA Funding

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| By offering NPA Finance, FundSource India can assist you in finding a solution to your NPA funding problems. The rise in NPAs demonstrates the need for provisions, which lowers banks' total profitability.

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| NPA is an acronym for(Non-Performing Asset) which can seem as a negative term for banks as well as loan borrowers. Usually when a person takes out a loan he/she is entitled to repay the amount to the bank with a certain amount of interest on a monthly basis.

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Save your NPA account with Fundsource NPA Funding

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Save your NPA account with Fundsource NPA Funding

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| Now the term NPA can negatively affect your cibil score and may result in loss of assets, property, and much more. The best way to come out of the problem is to go for NPA Loan. 'If you are having problems making loan payments, just contact your bank.

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Choose finest OTS Services from FundSource

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Choose finest OTS Services from FundSource

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| Different kinds of expenses are necessary for varying stages of life. Your parents initially take care of your needs as a youngster by giving you food, shelter, amusement, and education. It's time for you to start bearing the weight of these costs now that you're an adult. But what happens if your expenses are higher than your income? You might think about obtaining your first loan.

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NPA One Time Settlement with the Bank NBFC

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NPA One Time Settlement with the Bank NBFC

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| People feel financing their NPA as the most hard thing as they never dealt this kind of situation before and they are also new to Loan process for NPA account. But, we will let you know, how you can came out of this NPA Status Permanently.

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NPA Lending or Private Lending for NPA Accounts

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NPA Lending or Private Lending for NPA Accounts

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| FundSource India is a full-service financial business with headquarters in Delhi NCR. We have been serving a wide range of clients from various industries for the past ten years, including construction, hospitality, the business community, and others. We are regarded as the best company for stress account funding; you can check it out for yourself. We also promise to only charge success fees. Our focus is on delivering end-to-end solutions for stress account products. Our services include NPA Accounts, NPA Finance, OTS Funding, and Private Funding/Finance for NPA Accounts.