Advocate Panel

Advocate Panel: Advisor & Consultant for NPA Accounts, Debt, and Loan Settlement

Ajay Gautam Associates is a reputed legal and financial advisory firm based in Jabalpur, Madhya Pradesh, specializing in banking and finance law, Non-Performing Assets (NPA) management, debt recovery, and loan settlement advisory. The firm serves as an Expert Panel Advisor and Consultant for individuals, corporates, MSMEs, and financial institutions dealing with stressed or defaulted loans.

Led by Advocate Ajay Gautam, a seasoned legal professional with over a decade of experience in complex financial disputes, the firm provides comprehensive, ethical, and result-oriented solutions in NPA resolution, SARFAESI Act litigation, and DRT matters across India.

Our Mission: To deliver transparent, practical, and legally sound solutions for NPA accounts, debt restructuring, and loan settlements — ensuring a win-win resolution for both borrowers and lenders while maintaining full compliance with RBI guidelines and Indian legal frameworks.

Core Expertise

1. NPA Account Advisory

Identification and classification of NPAs as per RBI guidelines.
Strategic advice for account regularization, restructuring, or asset sale.
Assistance in One-Time Settlement (OTS) negotiations.
Liaison with banks, NBFCs, and Asset Reconstruction Companies (ARCs).
Legal support in DRT and SARFAESI proceedings.

2. Debt Restructuring & Settlement

Assessment of financial position and repayment capacity.
Structuring of custom debt resolution and repayment plans.
Negotiation of revised loan terms and interest waivers.
Coordination for forensic audits and due diligence reports.

3. Loan Settlement Advisory (Personal & Corporate)

End-to-end guidance on OTS and negotiated settlements.
Representation before lenders and financial institutions.
Documentation, compliance, and closure support.
Credit rehabilitation and post-settlement financial planning.

4. Corporate & MSME Debt Resolution

Advisory under RBI’s Prudential Framework for Stressed Assets.
Support under IBC (Insolvency & Bankruptcy Code) and pre-pack insolvency.
Assistance in valuation, investor coordination, and restructuring proposals.

5. SARFAESI & DRT Litigation

Representation in Debt Recovery Tribunal (DRT) and Debt Recovery Appellate Tribunal (DRAT).
Legal defense against coercive recovery or wrongful enforcement.
Strategic advocacy for both lenders and borrowers.

Why Engage Ajay Gautam Associates

Expert Negotiation Skills: Proven experience in dealing with PSU and private sector banks.
Ethical & Confidential Practice: Strict adherence to confidentiality, compliance, and integrity.
Result-Oriented Solutions: Practical focus on achieving timely and feasible settlements.
Pan-India Representation: Legal services and consultation available across all major financial centers in India.

Typical Clients

MSMEs and corporates with overdue or NPA loans.
Borrowers facing SARFAESI, DRT, or IBC proceedings.
Real estate, manufacturing, and trading entities with stressed project loans.
Individual borrowers (secured or unsecured) with defaulted business, home, or personal loans.
Financial institutions seeking professional NPA resolution and asset recovery.

Engagement Model

Preliminary Assessment: Confidential evaluation of loan and financial documents.
Strategic Planning: Formulation of customized resolution and negotiation roadmap.
Execution: Representation and settlement negotiations with lenders.
Closure & Compliance: Documentation, legal finalization, and post-settlement guidance.

Panel Composition

Legal Advisor / Advocate: Expert in DRT, SARFAESI, and IBC matters.

Advocate Ajay Gautam, founder of Ajay Gautam Associates, brings extensive experience in banking litigation, debt recovery, and NPA advisory. He has represented clients before DRT, DRAT, and High Courts across India, with notable success in loan settlements, asset reconstruction, and financial dispute resolution. His commitment to ethical practice, transparency, and client success defines the firm’s reputation as a trusted legal advisor in the Indian banking sector.