Turn stressed situations into structured outcomes.

NPA Resolution Advisory

Resolve the Debt. Preserve the Value. Unlock the Opportunity.

Stressed debt does not always mean a failed business.

For promoters, lenders and investors, the right resolution strategy can help address stressed obligations while preserving enterprise value and creating a structured path toward recovery, settlement, restructuring, refinancing, sale or resolution.

XYZ Arrow provides transaction-oriented advisory support for NPA, stressed debt and distressed-asset situations, helping evaluate potential resolution strategies and connect eligible opportunities with relevant financial institutions, ARCs, investors, strategic buyers and other capital providers.

We Don't Treat Every NPA the Same Way

A stressed account can therefore require more than simply additional funding which require a coordinated strategy involving:

Debt + Asset + Capital + Negotiation + Transaction Structure

Therefore, the first question should not always be:

“How much funding is required?”

It should be:

“What is the most commercially viable resolution pathway?”

One situation. Multiple paths to value recovery.

Every stressed case has a different constraint. We map the problem first, then evaluate the most credible financing, restructuring, settlement, acquisition or turnaround route.

ONE-TIME SETTLEMENT / OTS

A Structured Path Toward Settlement

Where appropriate, borrowers may explore settlement proposals with lenders.

Potential considerations include:

Outstanding debt
Security value
Available liquidity
Promoter contribution
Asset monetisation
Business viability
Repayment capacity
Lender recovery expectations

XYZ Arrow can assist with the financial and transaction strategy around a potential settlement proposal.

Important: Final settlement terms remain subject to the relevant lender’s independent assessment and approval.

DEBT RESTRUCTURING

Restructure the Liability. Rebuild the Business.

Where a viable underlying business exists, restructuring may potentially be evaluated as an alternative to immediate asset sale or liquidation.

Potential restructuring considerations:

Tenor extension
Repayment rescheduling
Moratorium
Interest servicing
Principal repayment
Security restructuring
Additional capital
Promoter contribution
Business turnaround

Any restructuring remains subject to the applicable regulatory framework and lender approval.

REFINANCING

Replace the Existing Stress With a Sustainable Capital Structure

In appropriate situations, refinancing may be explored through potentially relevant:

Banks

NBFCs

Financial Institutions

Private Credit

AIFs

Strategic Investors

Other Eligible Capital Providers

The objective is to evaluate whether the existing liability structure can be replaced or reorganised with a more sustainable financing structure.

ARC SOLUTIONS

Explore the Right ARC Strategy

Asset Reconstruction Companies can play an important role in India’s stressed-asset ecosystem.

For eligible situations, potential strategies may involve:

Sale / Assignment of Financial Assets

ARC Acquisition

Structured Resolution

Settlement

Restructuring

Recovery Strategy

XYZ Arrow can assist in evaluating potential ARC counterparties and facilitating transaction discussions.

The actual acquisition, restructuring or resolution remains subject to the applicable regulatory framework, ARC policies, due diligence and approvals.

DISTRESSED ASSET SALE

Convert Distressed Assets Into Transaction Opportunities

A stressed business may possess valuable:

Land
Buildings
Industrial facilities
Machinery
Receivables
Intellectual property
Licences
Customer relationships
Operating businesses
Infrastructure assets

A strategic sale may therefore be considered where appropriate.

XYZ Arrow can assist in evaluating potential:

Strategic Buyers

Financial Investors

Distressed Asset Investors

ARCs

Resolution Applicants

Asset Buyers

INVESTOR-SIDE DISTRESSED ASSET OPPORTUNITIES

FOR INVESTORS

Distressed assets can create opportunities where an investor has the capital, expertise and risk appetite to execute a turnaround or acquisition.

Potential investment opportunities may include:

Stressed Companies

Distressed Real Estate

Infrastructure Assets

Manufacturing Units

Hospitality Assets

Renewable Energy Projects

Loan Portfolios

Receivables

Industrial Assets

Corporate Distressed Assets

XYZ Arrow can evaluate suitable opportunities and facilitate discussions with potentially interested investors, subject to mandate and transaction conditions.

LENDER-SIDE NPA ADVISORY

FOR BANKS & FINANCIAL INSTITUTIONS

XYZ Arrow can potentially support lenders and financial institutions in evaluating transaction opportunities around stressed assets.

Potential areas:

Asset Monetisation

Evaluate potential buyers for eligible stressed assets.

Investor Mapping

Identify potentially relevant financial/strategic counterparties.

Resolution Strategy

Evaluate commercially viable transaction routes.

Distressed Asset Sale

Explore potential purchasers.

Strategic Resolution

Evaluate business-level solutions where appropriate.

Transaction Support

Support financial analysis and transaction coordination.

A disciplined route from distress to decision.

WHAT WE ANALYSE

DEBT PROFILE

Total outstanding
Secured / unsecured
Lender-wise exposure
Interest
Overdues
Existing restructuring

SECURITY

Land
Building
Plant & machinery
Receivables
Other security

BUSINESS

Revenue
EBITDA
Cash flow
Orders
Customers
Market position

PROMOTER

Contribution capability
Experience
Existing equity
Strategic intent

LEGAL

Existing proceedings
Security enforcement
IBC status
Litigation
Other material matters

RESOLUTION VALUE

Enterprise value
Asset value
Recovery potential
Investor appetite

Why Choose Us?

we have a network of best as well as cost effective Solution across Eco-system.

INVESTOR NETWORK

XYZ Arrow states that its broader network includes consultants, investment bankers, fund and family houses, banks/NBFCs, AIFs, ARCs, private lenders and fintechs, along with engagement with angels, VCs and fund houses globally.

INVESTOR-READY APPROACH

Our team can assist with investor presentations, business profiles, project reports, financial models, valuation, cap-table preparation and exit-strategy considerations.

CAPITAL STRATEGY

We help businesses evaluate whether equity, debt or a combination of capital sources may be appropriate for their funding objectives.

EXPERIENCED ADVISORY

Our team brings experience across corporate funding, investment banking, financial structuring and business advisory.

END-TO-END FACILITATION

From initial assessment and funding strategy to coordination with potential financing institutions, we support the process through the relevant stages.

Frequently Asked Questions

What is NPA Resolution?

NPA resolution refers broadly to strategies used to address stressed or non-performing financial exposures, which may include settlement, restructuring, refinancing, asset sale, ARC transactions, investment or formal insolvency processes, depending on the circumstances.

What is an OTS in NPA resolution?

One-Time Settlement (OTS) generally refers to a negotiated settlement arrangement between a borrower and lender under which the outstanding exposure is resolved according to agreed terms.

The final proposal and acceptance remain subject to the relevant lender’s policy and approval.

Can investors acquire distressed companies?

Potentially. Investors may evaluate distressed companies where they believe there is sufficient underlying enterprise value and a viable turnaround or restructuring opportunity.

Can XYZ Arrow help with distressed real estate?

Yes. Eligible distressed real-estate opportunities can potentially be evaluated for restructuring, refinancing, strategic investment, asset sale, acquisition or other appropriate transaction structures.

What documents are required?

Typically:

Loan statements
Lender details
Sanction letters
Security details
Financial statements
Outstanding debt
Asset details
Existing legal proceedings
Business profile
Cash-flow information
Promoter details
Proposed resolution requirement

The exact requirement depends on the situation.

How long does NPA resolution take?

There is no fixed timeline. The process depends on debt size, lender structure, legal status, business viability, documentation, valuation, investor appetite, negotiations and regulatory requirements.

Does XYZ Arrow guarantee NPA resolution?

No.

Resolution depends on the relevant lenders, investors, ARCs, courts/tribunals where applicable, regulators, counterparties and other stakeholders.

IMPORTANT DISCLAIMER

Important Disclaimer

XYZ Arrow provides financial and transaction advisory support and does not independently guarantee settlement, restructuring, funding, recovery or resolution of any stressed or non-performing exposure. Any settlement, restructuring, financing, asset acquisition, ARC transaction, resolution plan or other transaction is subject to the independent evaluation, approval and documentation of the relevant lender, investor, ARC, resolution applicant, regulator, tribunal or other competent authority, as applicable.

Where a matter falls under a formal insolvency process, statutory functions are performed by appropriately appointed and qualified professionals under the applicable legal and regulatory framework. Legal, tax, valuation and insolvency-specific matters should be reviewed with the relevant qualified professionals.