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NPA Resolution Services for Housing Finance Companies in Gujarat

REVIK provides NPA resolution services for housing finance companies in Gujarat – SARFAESI coordination, EMI recovery, and settlement facilitation for secured property loans across Ahmedabad, Surat, Vadodara, and Rajkot.

The Challenge

The Housing Finance Recovery Challenge

A property-backed NPA moves slower than almost any other asset class. Valuation, occupation status, notice publication, and auction timelines all add months a vehicle or personal loan case never involves – and a recovery partner unfamiliar with property-specific SARFAESI procedure can stretch that timeline even further.
Most agencies offering loan collection services in Gujarat treat every secured loan the same way. A housing loan needs a recovery management services partner who understands registered valuation, symbolic versus physical possession of real estate, and the specific procedural steps property recovery actually requires.

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How REVIK Helps Housing Finance Companies

What We Do for Housing Finance Companies

EMI Collection Services

Structured tele-calling and field engagement to resolve accounts before they require legal escalation.

Legal Recovery Coordination

SARFAESI Section 13(2) notices, registered property valuation coordination, and possession process management for secured home loan accounts.

EMI Recovery Services

Early and mid-bucket engagement designed to keep housing loan accounts from progressing toward hard NPA status.

Settlement & Resolution Management

Structured OTS facilitation where a negotiated closure recovers more value than a prolonged auction process.

Why Housing Finance Companies Choose REVIK

Built for How Housing Finance Companies Actually Operate

1

Property-Specific Procedure

Registered valuation, notice publication timelines, and symbolic versus physical possession handled correctly – not treated like a vehicle repossession with different paperwork.

2

Timeline Management

Every mandatory window – the 60-day SARFAESI notice, auction publication periods – tracked so no procedural deadline is missed or challengeable later.

3

Debt Recovery Agency Accountability

Documentation built for a housing finance company’s compliance and audit requirements, not assembled after the fact.

4

Local Ground Presence

Field agents actually operating across Gujarat, essential for property verification and borrower engagement outside major cities.

Compliance for Housing Finance Companies

Compliance Built Around Housing Finance Requirements

Every mandate follows RBI’s Fair Practices Code and the procedural requirements of the SARFAESI Act – registered valuation, correct notice periods, and properly documented possession action for secured property loans.
Every valuation, notice, and possession step is recorded. Records are auditable on request by your institution or your regulator – critical given how easily a contested property possession can be legally challenged without documentation.

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Products & Portfolios We Handle

Housing Finance Portfolios We Recover

  • Home Loans
  • Loan Against Property (LAP)
  • Home Construction Loans
  • Home Improvement Loans
  • Affordable Housing Loans

Whether your book is concentrated in retail home loans or spans LAP and construction finance, REVIK’s recovery management services are structured around the specific property type and security involved.

Related Services

Explore More of What We Do

Skip Tracing & Investigation -

Locating unresponsive borrowers and verifying property occupation status.

Field Collections & Recovery -

On-ground engagement and property inspection support.

Portfolio Recovery Solutions -

Bulk portfolio management for housing finance companies with large secured-loan NPA books.