NPA CONSULTING
Turning NPA Nightmares into Revival Stories
We help borrowers overcome the challenges of NPAs by protecting assets, negotiating smart settlements and creating revival strategies that turn financial distress into fresh opportunities for growth. We also guide budding entrepreneurs about the Do’s and Dont’s whilst planning to start their enterprise.
INTRODUCTION
Who We Are
With over 3 decades of expertise, we specialize in management of Non- Performing Assets (NPAs), restructuring debt and reviving businesses. We also assist in Debt syndication covering wide array of loan services including discounting of Letter of Credit (LC) and Bank Guarantee (BG) offering 100% fund availability.
We analyze your current financial challenges and develop a customized roadmap to negotiate and restructure your debts effectively.
Our skilled professionals manage every stage of the process, from lender communication to documentation, ensuring a transparent and hassle-free experience.
From advisory to execution, we stand by you with integrity, commitment, and personalized attention that drives real financial recovery.
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Our Services
Explore What We Provide for Our Clients
At NPA Consultants Pvt. Ltd., we offer a comprehensive range of financial solutions designed to help you overcome challenges, manage debt, and achieve sustainable growth. Our approach combines financial expertise with personalized guidance, ensuring every client receives the right strategy for their needs.
Debt Advisory
At NPA Consultants, we specialize in providing end-to-end debt advisory solutions
One Time Settlement
One-Time Settlement (OTS) is a practical resolution mechanism where borrowers and lenders
Debt Restructuring
Every business, at some stage, may encounter the burden of rising debts and an imbalanced
Debt Syndication
In today’s dynamic financial environment, effective debt syndication is crucial for both banks and
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.
OTS Funding
We specialize in providing strategic financial solutions for Non-Performing Asset (NPA) accounts by facilitating One Time Settlement (OTS) funding
ABOUT Chief Mentor
Dr. Visswas Paanse
Led by Dr. Visswas Paanse, an Ex Banker (B.Com., LL.B., M.A.( Eco.), A.C.S, A.I.IA (USA), Ph.D.(UK) -Entrepreneurship. Advisor to AIMA (All India MSME Association) & SME Chamber of India. Our team of seasoned Legal professionals, Chartered Accountant, Ex Bankers has helped provide time bound solution to clients to protect valuable assets from being seized, facilitate alternate fund arrangement and One Time Settlement with the Banks, revive business and restore their financial stability.
Author’s Special Release
NPA Nightmare: A Journey from Financial Struggle to Business Revival
Explore India’s NPA crisis through real stories, insights, and revival strategies. Dr. Visswas Paanse reveals practical solutions empowering entrepreneurs toward recovery, resilience, and sustainable business reform.
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.
YouTube Videos
Our Expert Team Helps You Achieve Your Financial Goals
At NPA Consultants, our experts guide you every step of the way from financial assessment to practical solutions. Watch this short video to understand how we help individuals and businesses recover and grow confidently.
GALLERY
TESTIMONIAL
What Our Happy Clients Say
At NPA Consultants, we take pride in being the trusted partner for businesses navigating financial stress. Our clients appreciate our strategic approach, professional guidance, and result-driven execution that help them achieve sustainable revival.
VIDEOS TESTIMONIAL
Voices of Trust & Transformation
At NPA Consultants, our clients share their real journeys through powerful video stories. They speak about our strategic guidance, professional support, and result-driven approach that helped them regain confidence and transform their business.
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 make any commitments on assumption and in absence of any clear roadmap
• Do not increase your debt trap
• Do not rely on verbal assurances
• Do not neglect any notices issued. reply suitably
• Avail timely professional aid to handle it
Seek timely professional aid for replying to the notices issued, initiate legal proceeding for any illegal action, save mortgaged assets, and for any other banking, legal or financial issues.
Yes, there should be a good buisness proposition backed by security
Yes. The banker shall assess the realisable value of the security charged/ other attachable assets and net worth of the borrower/ promoters/guarantors. present status of the borrower unit/ company and its financial performance while working out the ots. we make you eligible for getting the best settlement terms.
When there is a default in repayment obligations by the unit (company/individual) to the lender even when it has the capacity to honour the said obligations. There is deliberate intention of not repaying the loan, amounts to wilful default. The funds have been diverted or have been siphoned off and not been utilised for the purpose for which it was availed. When the asset bought by the lenders’ funds have been sold off without the knowledge of the bank/lender.In such cases Lenders can classify as WILFUL DEFAULT
Major Consequences:
- No additional facilities should be granted by any bank / FI to the wilful defaulters. In addition, the promoters of companies where banks/FIs have identified siphoning / diversion of funds, misrepresentation, falsification of accounts and fraudulent transactions would be debarred from institutional finance and floating new ventures for a period of five years from the date the name of the wilful defaulter is published in the list of wilful defaulters by the RBI;
- Publication of photographs of wilful defaulters (on a case to case basis) in newspapers;
- Criminal proceedings against wilful defaulters,
- Under section 29A of the Insolvency and Bankruptcy Code, 2016, a wilful defaulter cannot be a resolution applicant.
