Confidential  ·  Structured  ·  Independent

Structured resolution
for distressed debt.

nonpa brings together the right specialists to navigate your NPA — efficiently, confidentially, and on your terms.

Assess your NPA
India MSME Credit — Where the Stress Actually Sits
₹35L Cr MSME credit outstanding, growing ~13% YoY
~1.8% Overall delinquency — a 5-year low, yet stress is concentrating
4.5–5% NPA rates in the higher-risk pockets where founders are most exposed
System-wide MSME asset quality is at a five-year best — which is precisely why founders in genuine distress are isolated and underserved. Sources: TransUnion CIBIL–SIDBI MSME Pulse (May 2025); CRISIL Ratings (2025). Indicative of scale, not a time series.
Context

External factors influence financial stress.

Working capital pressure, delayed collections, and economic shifts affect even resilient businesses.

F — 01
Delayed Receivables
When customers delay payment, working capital deteriorates before the books reflect it.
F — 02
Customer Defaults
A single large default cascades through the entire credit structure faster than management can respond.
F — 03
Supply Chain Disruption
Input delays and vendor failures create compounding pressure that doesn't show on ledgers until critical.
F — 04
Rising Input Costs
When costs rise faster than pricing power allows, margins erode quietly — masked by revenue continuity.
F — 05
Working Capital Pressure
A receivable-payable mismatch can trigger insolvency risk even when the business model remains viable.
F — 06
Banking System Rigidity
Recovery timelines and classification processes are designed for institutional efficiency, not MSME reality.
F — 01
Delayed Receivables
When customers delay payment, working capital deteriorates before the books reflect it.
F — 02
Customer Defaults
A single large default cascades through the entire credit structure faster than management can respond.
F — 03
Supply Chain Disruption
Input delays and vendor failures create compounding pressure that doesn't show on ledgers until critical.
F — 04
Rising Input Costs
When costs rise faster than pricing power allows, margins erode quietly — masked by revenue continuity.
F — 05
Working Capital Pressure
A receivable-payable mismatch can trigger insolvency risk even when the business model remains viable.
F — 06
Banking System Rigidity
Recovery timelines and classification processes are designed for institutional efficiency, not MSME reality.
Orientation

This is not a diagnosis. It is a map.

Understanding where you are in the distress cycle is the foundation of every decision that follows.

Stage 01
Pre-NPA Stress
Repayments irregular. Overdrafts routine. Cash cycles short. The bank hasn't classified yet — but internal pressure is building.
Anxiety · Denial
Stage 02
NPA Classification
90-day default. Account formally classified. Recovery notices arrive. Bank communication shifts sharply.
Shock · Shame
Stage 03
Active Proceedings
SARFAESI. DRT filings. Recovery agents. Legal dimension activated. Most founders here have no structured guidance.
Overwhelm · Confusion
Stage 04
Resolution Pathways
OTS negotiation. Restructuring. Legal challenge. Revival. Structured thinking, not improvised negotiation under duress.
Clarity · Movement
The Process

Structured engagement. At your pace.

No deadlines at this stage. Nothing submitted without your decision.

01
Understand your situation
Read how the NPA landscape works — stages, mechanisms, options. Knowledge before engagement.
02
Share context in your own words
No form to fill. Describe what happened, as much or as little as you're ready to share.
03
Upload documents, gradually
Documents build the picture — not required to begin. Add what you have, when you have it.
04
Receive a preliminary assessment
A professional memo — stage, observations, possible directions. Not a verdict.
05
Choose how to proceed
Consultation, legal action, OTS preparation, or time to think. Nothing decided for you.
Situations we navigate

Every situation arrives differently.

A buyer who disappeared. A government payment that never came. A loan that kept running after the project stopped.

None of these fit neatly into a form. We don't ask you to make them fit.

"Begin where it makes sense to you. The structure comes later."
Preliminary Assessment

A preliminary understanding. Not a verdict.

A structured professional memo — observations, gaps, directions. No scores. No ratings.

NPA-2026-DEMO · Preliminary Assessment
Manufacturing Enterprise, Punjab
Illustration Only
Probable Stage
Early-to-mid Active Proceedings. SARFAESI likely initiated or imminent. The negotiation window has narrowed but has not closed — an OTS framework remains viable at this stage.
Key Observations
Supply chain disruption combined with a primary customer default suggests the underlying business may retain operational viability — a distinction that matters considerably in any OTS discussion with the lender.
Missing Information
  • Demand notice dates and specific SARFAESI section — establishes legal timeline
  • Original sanction letter and security documents
  • Bank correspondence confirming NPA classification and quantum
  • Any prior OTS discussion or restructuring communication
Suggested Direction
A structured consultation would map the precise negotiation window. Begin document consolidation in parallel — the demand notice and sanction letter define the tactical options available.
Preliminary and illustrative only. Not legal or financial advice. Formal assessment requires full documentation and context review.
The Organisation

Connected expertise. Institutional structure.

Not built around any single advisor — a structured coordination of specialists across every dimension of distress navigation.

01
Turnaround Specialists
Decades of MSME operational experience. They understand what banks respond to — and what founders actually need to hear.
Operations · Revival · Strategy
02
Legal Counsel
Specialists in SARFAESI proceedings, DRT litigation, and bank negotiation — with experience from both sides of the table.
SARFAESI · DRT · OTS Legal
03
Restructuring Professionals
Direct experience in OTS negotiations and debt restructuring across Indian lending institutions — public and private sector.
OTS · Restructuring · Negotiation
04
Chartered Accountants
Forensic account analysis and the financial documentation required to build a credible, defensible OTS proposal.
Forensic · Documentation · CA
"When uncertainty grows and options feel limited, the right people beside you change outcomes."
Every situation we navigate involves specialists from multiple disciplines working in coordination — not independently. The structure is what makes it work.
Resources

Understand the landscape before you navigate it.

Plain-language guides on NPA, SARFAESI, OTS, and the distress cycle — written for founders, not lawyers.

Guide 01
What is NPA?
How accounts get classified, what the 90-day rule means, and what options remain at each stage.
Read →
Guide 02
What is SARFAESI?
The law banks use to recover secured assets — what it means, how it works, and your rights as a borrower.
Read →
Guide 03
OTS Settlement Explained
What a One Time Settlement is, when it applies, and what makes a proposal credible to a lender.
Read →
Begin Confidentially

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We have your situation.
Someone from the team will respond within 24 hours on the email you provided. Everything shared here is treated with strict confidentiality.

The situation is navigable.
The first step is understanding it.

No commitment. No forms. Begin by understanding where you stand.

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