Navigating Debt: A Simple Guide to NPA, OTS, and SMA-2
India's banking health has reached a historic milestone with NPAs at 2.35%. But for businesses facing stress, understanding recovery paths is more critical than ever.
NPA Funding • Debt Restructuring • Debt Syndication • OTS Settlement • Structured Finance
Amaas Capital helps promoters, business owners, CFOs and developers secure funding from ₹5 Crore onwards through Debt Syndication, NPA Resolution, OTS Settlement Funding and Structured Debt Advisory. Whether your business requires growth capital or financial restructuring, we provide lender-ready solutions across India.
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OUR SOLUTIONS
Strategic NPA resolution and restructuring advisory for stressed accounts.
Custom debt restructuring to optimise obligations and cash flow.
Expert OTS settlement advisory and funding support with lenders.
Multi-lender debt syndication for large corporate funding needs.
Complex structured finance tailored to unique business requirements.
Builder funding and real estate finance for construction projects.
WHY AMAAS CAPITAL
of Financial Advisory Experience
Funding Facilitated
Network of Banks, NBFCs & AIFs
in Complex & Stressed Assets
Advisory
Debt Structuring
FUNDING CATEGORIES
OUR PROCESS
Confidential discussion to understand your funding or restructuring needs.
Comprehensive review of financials, debt structure and business operations.
Assessment of credit profile and lender eligibility across options.
Design of bespoke debt structures aligned with recovery objectives.
Strategic negotiations with banks, NBFCs and financial institutions.
End-to-end documentation and seamless execution support.
Successful funding closure or resolution with ongoing support.
ABOUT US
Amaas Capital was founded with a singular mission: to democratize access to institutional finance for MSMEs, businesses, and professionals who are creditworthy but structurally underserved by traditional banking.
Our advisory team brings end-to-end expertise across the financial spectrum — from debt syndication with banks, NBFCs, and institutional lenders to helping organizations lower their cost of borrowing through smart structuring.
We help clients raise capital efficiently, optimize their credit profiles, and structure transactions aligned with their long-term strategic objectives. Our client-first approach and deep market relationships make us a trusted advisor across India's most dynamic growth sectors.
Expert knowledge on NPA resolution, MSME funding, government schemes, and smart borrowing — written for business owners, not bankers.
Latest Articles
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From applying for too many loans to ignoring CIBIL hygiene — these mistakes cost businesses lakhs in higher interest rates and rejected applications.
FAQ
NPA Resolution is the process of resolving non-performing assets through restructuring, OTS settlement, lender negotiations or fresh funding to restore the financial health of a stressed business account.
OTS (One-Time Settlement) involves negotiating a lump-sum settlement with lenders to close outstanding debt at a mutually agreed amount, often requiring structured funding advisory and lender engagement.
Debt Syndication is the arrangement of funding from multiple banks, NBFCs or AIFs to meet large corporate debt requirements that a single lender may not fully fund.
Yes. With the right restructuring, OTS settlement or NPA resolution strategy, many businesses can access fresh funding after resolving or restructuring stressed accounts.
We serve Real Estate, Infrastructure, Construction, Manufacturing, Healthcare, FMCG, Logistics, Hospitality and Trading Companies across India.
Amaas Capital assists businesses with funding requirements from ₹5 Crore onwards.
Yes. Amaas Capital provides PAN India financial advisory with a network of banks, NBFCs and alternative investment funds.
Requirements vary by mandate but typically include financial statements, debt schedules, KYC documents, project details and lender-specific credit documentation. We guide you through lender-ready preparation.