Experts Panel: Advisor & Consultant for NPA Accounts, Debt & Loan Settlement
Ajay Gautam Associates is a reputed legal and financial advisory firm specializing in banking and finance law, Non-Performing Asset (NPA) management, debt recovery, and loan settlement advisory. Based in Jabalpur, Madhya Pradesh, the firm operates across India, serving 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 and banking disputes, the firm is known for providing ethical, transparent, and result-driven solutions in NPA resolution, SARFAESI Act litigation, and DRT matters.
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, with full compliance to RBI guidelines and Indian legal frameworks.
Core Expertise
1. NPA Account Advisory
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Classification and analysis of NPAs per RBI norms.
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Strategic advice for account regularization, restructuring, or asset sale.
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Assistance in One-Time Settlement (OTS) negotiations.
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Liaison with banks, NBFCs, and Asset Reconstruction Companies (ARCs).
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Legal support in DRT and SARFAESI proceedings.
2. Debt Restructuring & Settlement
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Financial position assessment and repayment capacity analysis.
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Custom debt resolution and repayment structuring.
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Negotiation for revised loan terms, interest waivers, and write-offs.
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Coordination for forensic audits and due diligence.
3. Loan Settlement Advisory (Personal & Corporate)
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End-to-end guidance on OTS and negotiated settlements.
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Representation before lenders and financial institutions.
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Documentation, compliance, and closure support.
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Post-settlement credit rehabilitation and financial planning.
4. Corporate & MSME Debt Resolution
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Advisory under RBI’s Prudential Framework for Stressed Assets.
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Assistance under the Insolvency & Bankruptcy Code (IBC) and pre-pack insolvency.
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Support for valuation, investor coordination, and restructuring proposals.
5. SARFAESI & DRT Litigation
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Representation before DRT and DRAT across India.
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Legal defense against coercive or wrongful recovery measures.
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Strategic advocacy for both lenders and borrowers.
Why Engage Ajay Gautam Associates
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Expert Negotiation Skills: Proven experience with PSU and private banks.
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Ethical & Confidential Practice: Absolute integrity and client confidentiality.
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Result-Oriented Solutions: Practical focus on timely and feasible settlements.
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Pan-India Representation: Advisory and litigation support across all major financial centers.
Typical Clients
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MSMEs and corporates with overdue or NPA loans.
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Borrowers facing SARFAESI, DRT, or IBC proceedings.
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Real estate, manufacturing, and trading entities with stressed loans.
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Individual borrowers with defaulted home, business, or personal loans.
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Financial institutions seeking NPA resolution and asset recovery services.
Engagement Model
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Preliminary Assessment: Confidential review of loan and financial documents.
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Strategic Planning: Customized resolution roadmap and negotiation strategy.
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Execution: Representation and negotiation with lenders or financial institutions.
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Closure & Compliance: Documentation, legal finalization, and post-settlement support.
Panel Composition
Legal Advisor / Advocate: Specialist in DRT, SARFAESI, and IBC litigation.
Adv. Ajay Gautam brings extensive experience in banking disputes, debt recovery, and NPA advisory, having represented clients before DRT, DRAT, and various High Courts across India. His commitment to ethical practice, transparency, and client success defines the firm’s standing as a trusted legal and financial advisor in India’s banking and debt recovery domain.
