NPA Resolution Services

NPA Resolution Services - From Classification to Closure

REVIK’s NPA Resolution Services help Banks, NBFCs, and MFIs across Gujarat move accounts from classification to closure – RBI-compliant, fully documented.

Facing Issues

The Challenge

An NPA is not resolved the moment it is recovered from – it is resolved when it is closed, documented, and off your books in a form your compliance and audit teams can stand behind. Most agencies offering loan recovery services stop at the recovery attempt. They do not carry the account through to formal closure.
That gap is where lenders end up with accounts that show partial progress but never actually resolve. A genuine NPA resolution company manages the full arc – not just the collection attempt in isolation.

What REVIK Delivers

Our NPA Resolution Services

Your agency’s conduct is your regulatory exposure. REVIK is structured to protect your institution – not just recover your portfolio.

NPA Account Classification & Prioritisation

Every account reviewed and prioritised by DPD stage, security status, and recovery complexity – the starting point of structured NPA recovery services.

Secured & Unsecured NPA Management

Distinct resolution paths for secured and unsecured accounts, coordinated as part of one recovery management services framework.

ARC Coordination

Where appropriate, coordination with Asset Reconstruction Companies for accounts better suited to structured sale than direct recovery.

Post-Write-Off Recovery

Reviving accounts already written off from the books – a core part of our broader debt recovery services for long-dormant portfolios.

Technical Write-Off Revival

Structured investigation and re-engagement on technically written-off accounts that still carry recoverable value.

RBI-Compliant Closure Documentation

Full documentation at account closure – the piece most collection management services skip, and the one your compliance team actually needs.

How We Operate

How Our NPA Resolution Services Work

1

Classification Review

Each account's current classification, security status, and provisioning stage is reviewed before a resolution path is assigned.

2

Resolution Path Selection

Recovery, settlement, legal escalation, or ARC referral - the right path is chosen per account, not applied as a blanket loan recovery services approach.

3

Coordinated Execution

Field, tele-calling, legal, and settlement teams execute in parallel under one NPA resolution company managing the full account lifecycle.

4

Closure & Reporting

Every resolved account is documented to RBI-compliant standards and reported back with full audit trail - closure, not just activity.

Compliance Signal

Built Into Every Resolution

Every account managed under our NPA resolution services follows RBI’s Fair Practices Code – from first contact through final closure documentation. This applies uniformly whether the account resolves through recovery, settlement, or legal action. Every classification decision, resolution path, and closure record is documented. Files are auditable on request by your institution or your regulator.

Who This Is For

Built For

NBFCs

NBFC recovery services for personal, vehicle, and equipment loan portfolios across every classification stage.

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MFIs

Structured resolution for microfinance portfolios, including written-off and technically written-off group-liability accounts.

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Financial

Broader financial recovery services for institutions needing full lifecycle NPA management, not isolated recovery attempts.

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Banks

A recovery agency for banks managing retail and MSME NPA books requiring documented banking recovery services across Gujarat.

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Related Services

Works Well With

Portfolio Recovery Solutions -

Bulk NPA books are stratified and fed directly into individual account resolution paths.

Settlement & Resolution Management

Accounts unsuited to full recovery are routed into structured OTS as part of the same resolution mandate.

Skip Tracing & Investigation -

Written-off and technically written-off accounts are located before resolution begins.