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About Us
NPA Consultants Private Limited is headquartered at Mumbai, India under the Chief Mentorship of Dr.Visswas [ B.Com, LL.B., M.A. (Eco.), A.C.S. Ph.D.(UK) ], an Ex Banker and an Advisor to All India MSME Association (AIMA) and SME Chamber of India. The Company has a dedicated team of professionals from the fields of Law, Finance and Banking and provides services to Domestic and International Companies on: Debt Advisory Corporate Restructuring Mergers & Acquisitions Private Equity Revival of Sick Industries Managing Corporate Litigations img NPA Consultants specializes in NPA management and all other related matters under IBC such as CIRP process, resolution plan, liquidation process, taking over as going concern u/s 230 of the companies Act 2013, Guiding and providing ancillary services to the resolution professionals. We have about 40 resolution professionals and more than 25 legal firms associated with us. We are also advising on NPA matters to Mumbai District Central Co-operative Bank and few nationalized Banks on selective basis. Today the top Resolution Professionals carrying out the insolvency and liquidation processes for the companies in India are proud to be associated with us and are our true assets. NPA Consultants Pvt. Ltd. is providing unparalleled services to MSME’s. While doing so, we are providing them total guidance in a pre and post NPA situation. While we educate them of their rights as a borrower and also encourage them not to get depressed in a stressed situation, we make an in depth study of their case and advise them to initiate some precautionary and corrective steps to protect them from the aggressive recovery measures adopted by the Bank. Not only that but if the client has business prospects we also facilitate in organizing business finance through alternate methods. We play a major role in arriving at an amicable settlement with the Banks which the borrowers fail to do at their level. Thus our clients get one stop solution for their Banking, Legal and Financial matters. NPA Consultants has a team of distinguished experts from the fields of banking, legal and finance that includes Sitting Director- Reserve Bank of India, Former Managing Director- Central Bank of India, State bank of India, State bank of Hyderabad, corporation bank, Former chief General Manager of IDBI & Former General Manager of Bank of Baroda. Dr. Visswas has shared the Board with Ex-Chairman of Bank of Maharashtra, Ex Executive Director of Reserve Bank of India, Ex-Chairman Ingersoll Rand (Tata Group). Dr. Visswas has worked in close association with the General Managers of Industrial Finance Corporation of India (IFCI), Executive Directors of Industrial Reconstruction Bank of India (IRBI), Industrial Development Bank of India (IDBI), Chairman and Executive Directors of ICICI Bank and Merchant Banking Division Head of ICICI.
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Our Leadership Team
Mr. VISSWAS B PAANSE
Business Head
Mr. VISSWAS B PAANSE
Business Head
Products & Services
NPA Accounts
Product Detail
NPA Accounts
We are from NPA consultants, providing services for NPA clients on Legal, Banking and Finances Aspects. We also arrange for settlement and finance settlement with Bank. We specialised in SARFAESI , IBC and DRT matters. We provide out of the Box solution to GENUINE Borrowers in pre and post NPA situation. Time being the essence, we provide time tested solutions to ensure that the productive assets should not become unproductive and act as bridge between the Bank and the borrower to convey the difficulty of genuine borrowers and work out ways to resolve their issues whcihc ultimately redevelop healthy relations between two.
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Save Properties (SARFAESI ACT)
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Save Properties (SARFAESI ACT)
We minutely scrutinize the notice issued under section 13(2) of SARFAESI Act, 2002 & Draft objections against the said notice. The reply is quite exhaustive comprising of mistakes on part of the lending institution/ Bank, latest RBI guidelines, internal Bank circulars, case studies and judgments with citations passed by the various courts in favour of borrowers. Dealing with 13(4) notice and taking action against the wrongful action taken if any. Monitoring the matters filed by the financial institution in CMM Court / District Magistrate court to obtain forceful possession of the mortgaged assets & suggest ways to safeguard the mortgaged assets. Guidance on restoring the possession of the assets illegally taken by the financial institution including challenging the process of possession, process of auction, process of confirmation of sale etc. It is observed that the Financial Institutions / Banks easily obtain orders in their favour from CMM, DM, Co-operative courts, DRT etc. under various provisions of law for the recovery of their dues, including obtaining forceful physical possession of the mortgaged assets. Thus it is important that the borrower should not ignore the communications, notices issued by them from time to time. It is essential to reply to each of such communications in writing & within the limitation period.
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IBC Act (NCLT or NCLAT)
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IBC Act (NCLT or NCLAT)
The Insolvency and Bankruptcy Code, 2016 (Insolvency Code) coupled with NCLT (National Company Law Tribunal) has turned into an attractive remedy for corporate borrowers to restructure their outstanding loans. It is increasingly seen that the corporate entities are opting for this remedy due to the time bound resolution mechanism envisaged under the Insolvency Code. We have a specialized multi-disciplinary team who caters to provide across the board services for NPA and NCLT matters. Our team is a great blend of Lawyers, Bankers and Chartered Accountants having more than 95 years of combined rich expertise and experience in Banking Matters, Litigation, NPA Resolution, Corporate Restructuring, Regulatory Compliances and related Advisory Services. Our team is quintessentially abreast with the NCLT Proceedings, Insolvency Code and the developments around it. Our team has the ability to assist any corporate in steering through the most complex issues while undergoing the NPA recovery process. Our team's deep and practical understanding of the subject coupled with the propensity to develop a righteous understanding of client’s business enable us to deliver appropriate advice to our client.
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Debt Advisory
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Debt Advisory
We help our clients in achieving the best possible outcomes in analysing, structuring and executing across the entire spectrum of debt products. Most enterprises depend on debt finance from banks and financial institutions for their long term as well as working capital needs. Especially in the SME sector, companies do not have sufficient knowledge of the debt-raising, such as the eligibility, optimum terms and cost of such debt. Nor do they have the necessary skill-sets to find the best solution with potential lenders. We advise clients in debt-raising matters and have been successful in raising debt in many difficult situations. For example, factoring for service companies, or large debt raise for high-potential companies with low initial profitability. We also like to create the right competitive environment to stimulate financial partners to offer the best terms for debt.
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One Time Settlement
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One Time Settlement
Inorder to avail the best OTS terms, the borrower should have a better negotiation edge over the lender Financial Institution or Bank. The Lenders are not willing to offer considerable waiver under OTS when there is ample scope to recover its entire dues by way of sale of mortgaged assets. Thus first and foremost we have to create tools which will enable us to have a better bargaining position with the Financial Institutions/ Banks. Moreover whenever the Economy is not performing well and Bankers are struggling with large number of NPA accounts and high degree of provisioning then it is in the interest of the Lender also to welcome the Borrower's move for OTS. Once the Borrower decides for One Time Settlement then it needs setting up of highly professional negotiating Desk for executing the OTS Plan.
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Private Equity
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Private Equity
It comprises of investment funds from institutions and high net worth individuals. We have a strategic approach to define our clients capital financing objectives and understanding the debt and equity requirements.
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