MSME Help
One-time settlement · 2026

OTS Scheme 2026 — Bank by Bank

Every scheduled bank in India settles stressed MSME accounts under a board-approved compromise settlement policy that is refreshed each financial year. The waiver bands, the sanctioning committee and the SARFAESI cadence differ by lender. Pick your bank for a complete, bank-specific OTS Scheme 2026 playbook — and a free waiver estimate.

PSU

SBI OTS Scheme 2026

State Bank of India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

PNB OTS Scheme 2026

Punjab National Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

BoB OTS Scheme 2026

Bank of Baroda one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

Canara OTS Scheme 2026

Canara Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

Union Bank OTS Scheme 2026

Union Bank of India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

BoI OTS Scheme 2026

Bank of India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

Indian Bank OTS Scheme 2026

Indian Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

Central Bank OTS Scheme 2026

Central Bank of India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

IOB OTS Scheme 2026

Indian Overseas Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

UCO OTS Scheme 2026

UCO Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

BoM OTS Scheme 2026

Bank of Maharashtra one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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PSU

PSB OTS Scheme 2026

Punjab & Sind Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

HDFC Bank OTS Scheme 2026

HDFC Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

ICICI Bank OTS Scheme 2026

ICICI Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Axis Bank OTS Scheme 2026

Axis Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Kotak OTS Scheme 2026

Kotak Mahindra Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

IndusInd OTS Scheme 2026

IndusInd Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

YES Bank OTS Scheme 2026

YES Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

IDFC FIRST OTS Scheme 2026

IDFC FIRST Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Federal Bank OTS Scheme 2026

Federal Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

SIB OTS Scheme 2026

South Indian Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

KVB OTS Scheme 2026

Karur Vysya Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

CUB OTS Scheme 2026

City Union Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

TMB OTS Scheme 2026

Tamilnad Mercantile Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Karnataka Bank OTS Scheme 2026

Karnataka Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

DCB Bank OTS Scheme 2026

DCB Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

RBL Bank OTS Scheme 2026

RBL Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Bandhan Bank OTS Scheme 2026

Bandhan Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

CSB Bank OTS Scheme 2026

CSB Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Dhanlaxmi Bank OTS Scheme 2026

Dhanlaxmi Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

J&K Bank OTS Scheme 2026

Jammu & Kashmir Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

Nainital Bank OTS Scheme 2026

Nainital Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Private

IDBI Bank OTS Scheme 2026

IDBI Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

AU SFB OTS Scheme 2026

AU Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Equitas SFB OTS Scheme 2026

Equitas Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Ujjivan SFB OTS Scheme 2026

Ujjivan Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Jana SFB OTS Scheme 2026

Jana Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Suryoday SFB OTS Scheme 2026

Suryoday Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Utkarsh SFB OTS Scheme 2026

Utkarsh Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

ESAF SFB OTS Scheme 2026

ESAF Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Fincare SFB OTS Scheme 2026

Fincare Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Capital SFB OTS Scheme 2026

Capital Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

NESFB OTS Scheme 2026

North East Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Shivalik SFB OTS Scheme 2026

Shivalik Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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SFB

Unity SFB OTS Scheme 2026

Unity Small Finance Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Foreign

StanChart OTS Scheme 2026

Standard Chartered Bank (India) one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Foreign

HSBC OTS Scheme 2026

HSBC India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Foreign

Citi OTS Scheme 2026

Citibank India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Foreign

Deutsche Bank OTS Scheme 2026

Deutsche Bank India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Foreign

DBS OTS Scheme 2026

DBS Bank India one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Foreign

BBK OTS Scheme 2026

Bank of Bahrain and Kuwait (India) one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Cooperative

Saraswat Bank OTS Scheme 2026

Saraswat Co-operative Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Cooperative

Cosmos Bank OTS Scheme 2026

Cosmos Co-operative Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Cooperative

TJSB OTS Scheme 2026

TJSB Sahakari Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Cooperative

Abhyudaya Bank OTS Scheme 2026

Abhyudaya Co-operative Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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Cooperative

Bharat Bank OTS Scheme 2026

Bharat Co-operative Bank one-time settlement 2026 — eligibility, waiver bands by NPA stage, sanctioning authority, documents and timeline.

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