One Time Settlement (OTS) Advisory provides strategic legal assistance to borrowers aiming to resolve outstanding loan liabilities through negotiated lump-sum settlement with banks or financial institutions.

An OTS scheme allows borrowers to settle dues by paying a reduced amount in full and final settlement, subject to lender approval. Such settlements are often explored in cases of Non-Performing Assets (NPAs), SARFAESI proceedings, DRT litigation, or prolonged financial distress.

Effective OTS negotiation requires detailed review of loan documents, interest calculations, penal charges, security valuation, and recovery exposure. Legal advisory ensures that settlement terms are structured properly, documented clearly, and protect the borrower from future claims.

This service includes OTS eligibility assessment, negotiation strategy, drafting settlement proposals, representation before banks or tribunals, compliance advisory, and documentation review.

The objective is to minimise financial liability, prevent coercive recovery measures, and secure lawful closure of debt obligations.