Agricultural Loan NPA Settlement
When an agricultural loan account is classified as a Non-Performing Asset (NPA), farmers often face recovery pressure and uncertainty. We help you understand what NPA classification means for your account and which resolution routes — settlement, restructuring, or OTS — may realistically apply to your case.
What NPA classification means
A farm loan is typically marked NPA when instalments or interest remain overdue beyond the period defined by the bank's policy and RBI norms. Classification changes how the bank treats the account and can trigger formal recovery steps, but it does not remove your ability to negotiate a resolution.
Resolution options we help you assess
Depending on your loan type, outstanding amount, and repayment history, options may include a One Time Settlement, restructuring of the outstanding, or a phased repayment plan. We assess eligibility case by case and explain the likely implications of each route in plain language.
How we support your case
We review your loan statements and notices, prepare a clear picture of your outstanding, and guide you on communicating a structured proposal to your lender. Throughout, we help you stay informed about timelines and your options.
Frequently asked questions
Need help with your agricultural loan?
Speak with our experts and understand the options available for your situation.