Services Details

Overview

We offer comprehensive advisory services to banks, NBFCs, financial institutions, AIFs, and corporates dealing with stressed or distressed financial assets. With over 25+ years of experience in finance, banking, insolvency processes, and asset recovery, our advisory practice is centred on providing practical, compliant, and commercially sound solutions. Our work includes assessing stressed accounts, designing restructuring strategies, strengthening financial monitoring, and supporting the implementation of resolution frameworks under regulatory guidelines.

Stressed Asset Evaluation

Our advisory begins with a detailed diagnostic assessment of the borrower’s financial health, operational challenges, and repayment capability. The evaluation encompasses:

• Analysis of financial statements and cash flow projections

• Review of existing loan structures, securities, and charge positions

• Identification of stress indicators and underlying causes

• Assessment of regulatory exposure and risk classification

• Recommendations for revival, restructuring, or resolution

This structured evaluation allows lenders and stakeholders to make informed decisions backed by accurate financial insights.

Debt Restructuring & Resolution Planning

We assist in preparing and implementing debt restructuring strategies that are compliant with RBI and sectoral regulations. Our restructuring solutions include:

• Designing revised repayment schedules

• Proposing interest modifications, deferrals, or moratorium plans

• Structuring fresh credit lines for turnaround

• Preparing resolution plans aligned with IBC and non-IBC frameworks

• Facilitating negotiations between creditors and stakeholders

Our approach ensures that restructuring is commercially viable, legally compliant, and aligned with long-term business sustainability.

Cash Flow Management & Financial Monitoring

Efficient cash management is critical for stressed entities. We support organisations in:

• Developing cash flow stabilisation models

• Monitoring fund utilisation and working capital cycles

• Designing MIS and reporting structures for lenders

• Forecasting liquidity gaps and identifying corrective measures

• Implementing cost optimisation and process strengthening

These services help businesses regain control over financial operations and improve stability.

Support in Insolvency-Related Advisory

For lenders with exposure to borrowers undergoing CIRP or liquidation, we provide specialised advisory including:

• Review and verification of claims

• Analysis of information memorandum and resolution plans

• Monitoring progress of CIRP/Liquidation

• Evaluating feasibility and compliance of proposed plans

• Supporting decision-making at CoC level (without representing clients publicly)

This guidance ensures adherence to regulatory requirements and assists institutions in safeguarding their financial interest.

Sector Expertise

Our advisory spans multiple industries, supported by practical exposure across sectors such as:

• Real Estate

• Pharmaceuticals

• Dairy & FMCG

• Aviation

• IT & Technology

• Healthcare

• Manufacturing

• Financial Services

This multi-industry understanding ensures tailored solutions for both lenders and corporate entities.

Outcome-Driven Approach

Our services are designed to achieve measurable outcomes including:

• Improvement in asset quality

• Better recovery prospects

• Enhanced financial discipline

• Strengthened monitoring systems

• Faster implementation of restructuring decisions

By combining financial expertise with regulatory knowledge, we deliver solutions that protect stakeholder value while maintaining full compliance.