Coming Soon on Legal Wisdom Hub
NPA Management in Banking – From Early Warning to Final Recovery
I am starting a practical series on NPA management and recovery, based substantially on my experience in banking, credit, audit and recovery.
The series will examine the complete journey of a stressed advance—from early warning signals and SMA monitoring to NPA classification, corrective action, recovery strategy, SARFAESI, DRT, IBC/CIRP and, where necessary, liquidation.
The focus will not be limited to the legal or regulatory provisions. The objective is to examine what should actually be looked at, what action may be required, and what practical issues arise at each stage.
The series may be useful to:
- Bankers and credit professionals
- Bank auditors and concurrent auditors
- Chartered Accountants and other financial professionals
- Resolution Professionals and insolvency professionals
- Legal professionals
- Borrowers and business owners
- Students and others interested in banking and recovery
The first chapter is live:
“What Does a Bank Auditor Really Look for in an Advance?”
The series will be published progressively on Legal Wisdom Hub, with practical observations supported, wherever relevant, by applicable regulatory and legal provisions.
The objective is simple:
To understand the complete NPA journey—not merely how an account becomes an NPA, but how stress can be identified early, what can be done thereafter, and how recovery can be pursued effectively.
Disclaimer: This series is intended solely for general knowledge-sharing and is based on professional experience. It is not intended to address or provide advice on any specific case and should not be construed as legal, financial, audit or professional advice. Each case is unique and should be examined independently with reference to the applicable RBI directions, laws, regulations, bank policies and the specific facts and circumstances of the case.