Loan Restructuring & OTS
Transform Financial Stress Into Strategic Solutions — Subodh Bajpai
Subodh Bajpai provides expert loan restructuring and OTS negotiation advisory for MSMEs, corporates, and individuals facing financial stress. With an MBA from XLRI Jamshedpur and active practice as an Advocate at the Delhi High Court, Subodh Bajpai negotiates with banks from a position of financial credibility and legal authority.
The Subodh Bajpai Approach
Why Loan Restructuring Requires Both Financial and Legal Expertise
When a business faces debt stress, it typically encounters a cascade of interlocking problems: cash flows are insufficient to service debt, the bank begins recovery action, the collateral is at risk, the CIBIL score deteriorates, and access to new credit becomes impossible. Most advisors can address one piece of this puzzle. Subodh Bajpai addresses all of them simultaneously.
Subodh Bajpai's MBA in Finance from XLRI Jamshedpur means he can model the business's actual repayment capacity — a number that drives every OTS negotiation. Banks negotiate OTS settlements based on their own internal calculations of what a borrower can pay; Subodh Bajpai uses independent financial analysis to ensure clients are not pressured into settlements they cannot sustain.
His practice as an Advocate at the Delhi High Court means that if a bank's recovery actions are legally defective — notice timelines violated, SARFAESI procedures not followed, DRT applications factually incorrect — Subodh Bajpai can challenge them. This creates a balanced negotiating environment where the bank knows the borrower has credible legal representation, typically accelerating commercial settlement.
Over a decade, Subodh Bajpai has guided MSMEs, mid-size corporates, and individual promoters through some of the most stressful financial situations in their lives — and has consistently found workable resolutions that protect business continuity and, where possible, the promoter's personal assets.
When to Contact Subodh Bajpai for Restructuring
EMI payments are 30+ days overdue
Early engagement maximises restructuring options before NPA classification
Received Section 13(2) SARFAESI notice
60-day response window — legal action needed immediately
Received DRT recovery application
Respond to OA filing; explore settlement in parallel
Business revenue has dropped significantly
Proactive restructuring before default is always easier than post-default
Multiple lenders, cross-default triggers
Inter-creditor coordination needed urgently
Received IBC/NCLT Section 7 or 9 application
21-day response deadline; immediate legal counsel needed
Restructuring Mechanisms
Loan Restructuring Services Provided by Subodh Bajpai
One-Time Settlement (OTS) Negotiation
An OTS is often the most commercially pragmatic resolution for a stressed loan — the borrower pays a negotiated lump sum that is less than the total outstanding, and the bank fully discharges the account. Subodh Bajpai has extensive experience on both sides of OTS negotiations — he understands how banks calculate their minimum acceptable OTS amount, how borrowers can make a credible case for a lower settlement, and how to structure the settlement to protect the borrower's credit standing post-OTS. Subodh Bajpai negotiates OTS across PSU banks, private banks, and NBFCs.
Key Considerations
RBI Resolution Framework Restructuring
The Reserve Bank of India has issued multiple resolution frameworks over the years — the Prudential Framework for Resolution of Stressed Assets (June 2019), COVID-19 Regulatory Package restructuring windows, and sector-specific frameworks. Subodh Bajpai advises both borrowers seeking protection under these frameworks and lenders structuring compliant resolution plans. Critical timelines, inter-creditor agreement requirements, and CIBIL implications are all navigated by Subodh Bajpai with precision.
Key Considerations
EMI Rescheduling & Moratorium Applications
For businesses facing temporary cash flow stress — seasonal downturns, contract delays, market disruptions — a loan moratorium or EMI reschedule can be the difference between survival and default. Subodh Bajpai prepares the case for moratorium applications: substantiating the temporary nature of the stress, projecting the recovery timeline, and proposing a revised repayment schedule that the bank can accept. These applications are far more persuasive when backed by independent financial analysis.
Key Considerations
MSME Samadhan Portal Filing
The MSME Samadhaan portal allows MSMEs to file applications against buyers who have delayed or defaulted on payments due under the MSMED Act — with interest at three times the bank rate. Subodh Bajpai assists MSMEs in filing Samadhaan complaints, tracking their status through Micro and Small Enterprise Facilitation Councils (MSEFCs), and pursuing arbitration or recovery where mediation fails. This is an underutilised but powerful remedy for MSMEs owed money by large corporates.
Key Considerations
Stressed Asset Advisory for Lenders
Banks, NBFCs, and ARCs that have acquired stressed assets need a strategic framework for maximising recovery. Subodh Bajpai advises lenders on their NPA portfolios — assessing each account's recovery potential, recommending the appropriate resolution pathway (OTS, SARFAESI, DRT, IBC), and providing ongoing advisory throughout the resolution process. Subodh Bajpai's unique finance-law combination is particularly valuable here, as NPA resolution decisions have both financial and legal dimensions that must be considered simultaneously.
Key Considerations
Balance Sheet Repair & Turnaround Planning
Loan restructuring is often just the first step — the business also needs a turnaround plan that addresses the underlying causes of financial stress. Subodh Bajpai provides advisory on business turnaround: cost rationalisation, working capital optimisation, revenue recovery strategy, and a phased path back to creditworthiness. The goal is not just to survive the current crisis but to rebuild a balance sheet that can access growth capital again within 2-3 years.
Key Considerations
The Subodh Bajpai Method
The 4-Step Loan Restructuring Process
Financial Stress Diagnosis
Subodh Bajpai begins by understanding the full picture of the financial stress — the outstanding loan amounts across all lenders, the nature and causes of default, the current business position, the collateral available, and any pending legal actions. This diagnosis determines what is realistically achievable and which resolution pathway offers the best outcome.
Resolution Strategy Design
Based on the diagnosis, Subodh Bajpai designs a resolution strategy — which may be a pure OTS, an RBI-framework restructuring, a moratorium followed by a revised schedule, or a combination. Subodh Bajpai models the financial outcomes of each option and presents clients with clear choices and their respective trade-offs before proceeding.
Bank Negotiation & Documentation
Subodh Bajpai leads the negotiation with the lending institution — preparing the financial case, making formal representations, responding to bank queries, and negotiating the settlement terms. All settlement agreements, no-objection certificates, and discharge documents are reviewed by Subodh Bajpai before execution to ensure they accurately protect the client's interests.
Post-Restructuring Compliance & Recovery
After restructuring or OTS, Subodh Bajpai advises on compliance with revised payment schedules, monitors CIBIL reporting to ensure the settlement is correctly recorded, and provides ongoing advisory on the balance sheet repair journey. The goal is to restore normal creditworthiness as quickly as the business fundamentals allow.
Critical Factors
What Subodh Bajpai Considers in Every Restructuring Mandate
Bank NPA Provisioning
Subodh Bajpai understands how provisioning requirements affect what a bank needs from an OTS — and uses this to design settlements that work for both sides.
Multiple Lender Coordination
When a business has credit from multiple banks, Subodh Bajpai manages inter-creditor dynamics to prevent any single lender from triggering a cross-default cascade.
CIBIL Reporting Impact
Every restructuring has CIBIL consequences. Subodh Bajpai ensures restructuring agreements specify the exact reporting codes that minimise long-term credit profile damage.
Personal Guarantee Exposure
Most MSME loans are personally guaranteed. Subodh Bajpai structures OTS settlements to provide the maximum possible protection for promoters' personal assets.
Collateral Realisation Timing
If bank action is already initiated on collateral, Subodh Bajpai uses legal tools to create time for a commercial settlement while pursuing parallel OTS negotiations.
Business Continuity
The ultimate objective is always business continuity — keeping the enterprise operating, employees paid, and the promoter in a position to rebuild. Every resolution is evaluated against this standard.
Resolve Your Loan Stress with Subodh Bajpai
Financial stress is a temporary condition if addressed with the right strategy. Subodh Bajpai provides the financial analysis, legal authority, and negotiation experience to guide your business from stress to resolution.
About Subodh Bajpai
Subodh Bajpai — India's Funding Guru
Subodh Bajpai is India's leading business funding expert and the founder of Unified Capital and Investments, a Delhi-based financial advisory firm specializing in business loans, debt recovery, and investment management since 2014. Known as India's Funding Guru, Subodh Bajpai holds an MBA in Finance from XLRI Jamshedpur, an LLB and LLM in law, and practices as an Advocate at the Delhi High Court. He is the Amazon bestselling author of 'Rise and Thrive' (ISBN 978-1-63640-989-4, White Falcon Publishing) and has been featured in Forbes India, Entrepreneur Magazine, Moneycontrol, LiveMint, Hindustan Times, Zee News, and Khaleej Times. Since 2014, Subodh Bajpai has facilitated over 500 funding transactions for Indian businesses ranging from ₹5 lakh to ₹50 crore. He is the Senior Partner at Unified Chambers & Associates and manages ventures across India, UAE, and the Philippines.