OTS Finance

Advantages of OTS Finance Consultancy Services in India

Advantage	Description
1. Expert Negotiation	Professionals ensure better settlement terms, often saving 20–60% of the due amount.
2. Time-Saving	Speeds up settlement process compared to lengthy DRT or SARFAESI proceedings.
3. Legal Risk Minimization	Helps avoid legal actions like property attachment, auctions, or criminal proceedings.
4. Stress Relief for Borrowers	Reduces mental pressure and improves chances of business revival.
5. Improved Credit Record	Guidance on post-OTS compliance helps restore borrower’s CIBIL rating over time.
6. Documentation & Compliance	Ensures all technical and legal documentation is error-free and as per RBI norms.
7. Customized Solutions	Tailor-made solutions based on borrower's cash flows, industry, and bank category (PSU, private, NBFC, ARC).
8. No Upfront Legal Costs	Many consultancies charge after initial success, saving upfront legal expenses.

✅ What Do OTS Finance Consultancy Services Offer in India?

• 1. Loan Assessment & Financial Restructuring
  • Detailed analysis of borrower’s financial status and liability.
  • Identification of settlement eligibility and preparation of a financial plan.
• 2. OTS Proposal Drafting & Submission
  • Preparation of a legally and financially viable OTS proposal.
  • Representing borrower before the bank’s recovery/legal department.
• 3. Negotiation & Mediation with Banks
  • Expert negotiation to reduce the settlement amount.
  • Assist in gaining approval from the bank's OTS approval committee.
• 4. Documentation & Legal Support
  • Preparing, reviewing, and filing relevant documents.
  • Ensuring legal compliance during and after OTS execution.
• 5. Liaison with Bank/NBFC/ARC Officials
  • Close coordination with Relationship Managers, Recovery Heads, and Legal Advisors.
• 6. Post-OTS Support
  • Ensuring payment schedule adherence.
  • CIBIL score restoration guidance and rehabilitation for future finance.

Who Can Benefit from OTS Consultancy Services?

• MSMEs & large corporates with NPA accounts.
• Individuals with home loans/education loans in default.
• Defaulters under SARFAESI or DRT proceedings.
• Stressed accounts looking to settle before asset auction.
• Borrowers seeking to exit loan traps or avoid insolvency.