Bank-by-bank guides

MSME Loan Settlement — by Bank

Every Indian bank runs its stressed-asset resolution through a Board-approved compromise settlement policy. The waiver bands, the approving authority, the SARFAESI cadence — all vary by lender. Pick your bank to see how it actually works.

State Bank of India MSME Loan Settlement

How SBI's Compromise Settlement Policy actually works for MSMEs: RVS-based waiver bands, SAM-branch routing, AGM (SAM) approvals, e-auction stays and negotiation levers.

HDFC Bank MSME Loan Settlement

How HDFC Bank actually settles MSME accounts: tiered matrix, Regional Collections Head escalation, unsecured-loan waivers, 60-day 13(2) discipline and structured down-payments.

ICICI Bank MSME Loan Settlement

ICICI Bank MSME OTS decoded: how its internal formulas set waiver bands, where the Regional Collections Head sits, SAM group approvals and post-13(4) negotiation levers.

Axis Bank MSME Loan Settlement

How Axis Bank handles MSME OTS: regional committee cycles, Special Assets Group escalation, structured tranche OTS, SARFAESI discipline and negotiation levers.

Canara Bank MSME Loan Settlement

How Canara Bank settles MSME NPAs: Board-approved Compromise Policy, quarter-end NDND OTS schemes, RM&LW at Circle Office, Syndicate legacy files and negotiation levers.

Union Bank of India MSME Loan Settlement

How Union Bank of India settles MSME NPAs post-amalgamation: Asset Recovery Branches, Rin Mukti schemes, Andhra Bank / Corporation Bank legacy files and negotiation levers.

Punjab National Bank MSME Loan Settlement

How PNB settles MSME NPAs post-amalgamation: Stressed Assets Recovery Branches, circular-driven schemes, OBC / United Bank legacy mapping and SARFAESI negotiation.

Bank of Baroda MSME Loan Settlement

How Bank of Baroda settles MSME NPAs post-amalgamation: Stressed Asset Management Verticals, zonal approvals, Vijaya / Dena Bank legacy mapping and SARFAESI dynamics.

Indian Bank MSME Loan Settlement

How Indian Bank settles MSME NPAs post-amalgamation: Asset Recovery Management Branches, zonal approvals, Allahabad Bank legacy mapping and negotiation levers.

Bank of India MSME Loan Settlement

How Bank of India settles MSME NPAs: Recovery Management & Legal verticals, zonal committee approvals, Special OTS schemes and structured tranche playbook.

IDFC FIRST Bank MSME Loan Settlement

How IDFC FIRST Bank handles MSME OTS: agile decision cycles, unsecured business loan waivers, regional collections leadership and SARFAESI escalation.

Federal Bank MSME Loan Settlement

How Federal Bank settles MSME NPAs: regional committee approvals, relationship-history weighting, structured 3–6 tranche OTS and SARFAESI cadence.

Kotak Mahindra Bank MSME Loan Settlement

How Kotak Mahindra Bank handles MSME OTS: formula-driven waiver bands, Regional Collections Managers, National Credit Committee escalation and SARFAESI discipline.

Yes Bank MSME Loan Settlement

How Yes Bank handles MSME OTS post-reconstruction: Stressed Assets Group, active resolution mandate, structured committee approvals and SARFAESI dynamics.

IndusInd Bank MSME Loan Settlement

How IndusInd Bank handles MSME OTS: data-driven regional committees, CV Recovery vertical for vehicle-finance overlap, structured OTS and SARFAESI dynamics.

Bank-wise NPA settlement pages

Settle by bank

SARFAESI notice by bank

Written-off loans by bank

OTS Scheme 2026 — every Indian bank

Public sector banks

Private banks

Small finance & other lenders