Debt Restructuring Service

Restructuring is an act in which a lender, for economic or legal reasons relating to the borrower''s financial difficulty as appended below grants concessions to the borrower. good Restructuring would normally involve modification of terms of the advances / securities, which would generally include, among others, alteration of repayment period / repayable amount / the amount of instalments / rate of interest / rollover of credit facilities / sanction of additional credit facility / enhancement of existing credit limits / compromise settlements where time for payment of settlement amount exceeds three months. After introduction of Goods and Services Tax (GST) as tax reform measures, RBI has allowed certain relief for borrowers temporarily viz. 180 days delinquency norms in place of normal delinquency norms of 90 days for the purpose of IRAC under MSME sectors for formalisation of the sector under GST regime vide direction no. RBI/2017-18/129. DBR No.BP.BC.100/21.04.048 /2017-18 dated 07.02.2018. and followed up direction no RBI/2017-18/186 DBR No. BP.BC.108/21.04.048/2017-18 dated 06.06.2018. Now RBI has further advised vide direction no. RBI/2018-19/100. DBR No.BP.BC.18/21.04.048 /2018-19 dated 01.01.2019 for restructuring of stressed accounts under MSME sector without down gradation of asset classification as one time measure. Present policy is modified suitably taking above RBI directions in to consideration as under : 1. Eligibility: The provisions made as on January 1, 2019 in this framework shall be applicable to MSME having loan limits up to 25 crore. including accounts under multiple banking arrangements (MBA) The borrower account is in default but is a Standard Asset as on January 1,2019 and continues to be classified as a Standard Asset till the date of implementation of the restructuring. The borrowing entity is GST-registered on the date of implementation of the restructuring. However, this condition will not apply to MSMEs that are exempt from GST-registration. The restructuring of the borrower account is implemented on or before March 31, 2020. A restructuring would be treated as implemented if the following conditions are met: all related documentation, including execution of necessary agreements between lenders and borrower / creation of security charge / perfection of securities are completed by all lenders; and the new capital structure and / or changes in the terms and conditions of the existing loans get duly reflected in the books of all the lenders and the borrower.

Our debt restructuring services help businesses manage and restructure their debt to improve cash flow and financial stability. We provide strategic guidance to renegotiate terms, reduce liabilities, and implement a sustainable repayment plan.

With our in-depth knowledge of this domain, we are actively engaged in offering an excellent quality Debt Restructuring Service. The offered service is widely appreciated by our precious clients owing to its perfect execution and flawlessness features. To perform this service, our professionals use premium grade tools and latest technology. The provided service can be availed by our clients at nominal price. Moreover, this service can be availed by our precious clients at reasonable price.

Our Debt Restructuring Service offers tailored solutions to help individuals and businesses regain financial stability. By analyzing your current financial situation, we develop a strategic plan to negotiate with creditors, reduce debt burdens, and create manageable repayment schedules. Our experienced team is dedicated to guiding you through the restructuring process, ensuring that you achieve a sustainable financial future while minimizing stress and maximizing your resources.

Debt restructuring is a process that allows a private or public company or a sovereign entity facing cash flow problems and financial distress, to reduce and renegotiate its delinquent debts in order to improve or restore liquidity and rehabilitate so that it can continue its operations. Replacement of old debt by new debt when not under financial distress is referred to as refinancing. Our Approach: We associate ourselves with clients, understand and assess the client s business model and future plans. Advice on the overall restructuring plan. Prepare relevant documents required by the lenders to consider the restructuring plan ensuring that the package conforms to CDR guidelines. Interface and negotiate with lenders at all levels and the CDR Cell to obtain a viable restructured financial package. Assist in implementation of CDR package by coordinating with all lenders . Why us: Companies under financial crisis often grapple to service debt obligations. It becomes essential to reach consensual debt restructuring between a borrower and its creditors that yields the best return to all parties concerned. Successfully achieving CDR entails specialised skill sets and knowledge of the regulatory framework. As an independent party, we will actively manage the debt restructuring process and deal with issues faced in an objective and timely manner for a successful outcome.

Debt Restructuring Service

Loan Restructuring Services EMI Reduction Support

Loan Restructuring Services EMI Reduction Support

Loan Restructuring Services

Understand and assess the client s business model and future plans Advice on the overall restructuring plan Preparation of relevant documents required by the lenders to consider the restructuring plan ensuring that the package conforms to CDR guidelines Interfacing and negotiating with lenders at all levels and the CDR Cell to obtain a viable restructured financial package Assisting in implementation of CDR package by coordinating with all lenders Assistance during loan documentation to seek disbursements Products: Restructuring of Borrowal Accounts with Banks Clients borrowal accounts may slip either due to tight liquidity, temporary diminution in capability to repay thereby marring their record of recovery or for technical reasons such as inability to fulfill debt covenants agreed with the lenders. We help such clients in achieving timely remedy to avoid further slippage of their account. Restructuring the debt package includes availing respite on payment terms such as lower rate of interest, longer repayment tenor, etc. Corporate Debt Restructuring (CDR) Companies under financial crisis often grapple to service debt obligations. To avoid collapsing, it becomes essential to negotiate reprieve on financial terms with creditors and lenders. Successfully achieving CDR entails specialised skill sets and knowledge of the regulatory framework. We assist such clients in reviving their business by restructuring their financial package and acting as a key link between them, their lenders and the CDR Cell.

Comprehensive restructure of long term debt to bring down the interest cost by proper swapping arrangement.

We arrange funds for clients in the form of debt including syndication and restructuring through public and private sector banks as well as through independent financial institutions. We have a competent team offering comprehensive debt solutions to meet the requirements of enterprises. Our services include Assessing the client needs and recommending the suitable debt structure Forecasting the future income statement, balance sheets and cashflows Preparation of documents required for presenting the proposal to the lenders Negotiating and structuring the best suitable terms for the client

Debt restructuring is a process that allows a private or public company or a sovereign entity facing cash flow problems and financial distress, to reduce and renegotiate its delinquent debts in order to improve or restore liquidity and rehabilitate so that it can continue its operations. Replacement of old debt by new debt when not under financial distress is referred to as refinancing. The need for a corporate debt restructuring often arises when a company is going through severe financial crisis and is having difficulty in meeting its obligations to its lenders. If the condition of the company threatens its existence, it can negotiate with its creditors to reduce these burdens and increase its chances of avoiding bankruptcy. The reorganization of a company s outstanding obligations are often achieved by reducing the burden of the debts on the company by, in turn, decreasing the interest rates payable on the loan and increasing the time within which the company has to pay up its obligation back to the lenders. Our Approach: We associate ourselves with clients, understand and assess the client s business model and future plans. Advice on the overall restructuring plan. Analysing and reviewing existing debt and security documentation so as to prepare the borrower for negotiations. Advising on the CDR process and coordinating with all parties involved in the CDR proposal. Prepare relevant documents required by the lenders to consider the restructuring plan ensuring that the package conforms to CDR guidelines. Drafting/ reviewing CDR documents. Interface and negotiate with lenders at all levels and the CDR Cell to obtain a viable restructured financial package. Assist in implementation of CDR package by coordinating with all lenders.

. Debt Restructuring Debentures

A Debt Restructuring Service helps individuals or businesses with unmanageable debt renegotiate their loan terms with creditors to improve their financial stability, often resulting in more manageable payments, extended repayment periods, lower interest rates, or conversion of debt to equity. The service provides expert guidance and negotiation with lenders, creating a strategic plan to reduce financial stress and avoid default.

Debt & Equity / Capital Restructuring

In a credit card settlement, the cardholder negotiates with the credit card company or a debt settlement agency to reach a mutually acceptable agreement. This agreement often involves the cardholder making a lump-sum payment or a series of payments to settle the debt, usually at a reduced amount. Once the settlement amount is paid, the credit card company considers the debt settled and may close the account.

We at K D Corporate believe that a penny saved is a penny earned. So, based on the philosophy we advice our clients for restructuring of their respective debt portfolios. In-order to achieve the goals of corporate finance, the corporate strategy decisions are required to be financed appropriately and timely. The management of a corporation should therefore identify the optimal mix of financing the capital structure that results in creation of maximum value and wealth. The main source of financing will generically comprise of a combination of debt and equity. We at K D Corporate would enable our client in identification of an optimal mix of capital structure that leads to maximization of value and wealth.

We provide advisory services to clients to enable them to tide over their temporary liquidity strain through restructuring of their debt obligations. We analyse the viability of the companies and provide for a thoughtful, amenable and robust solution to enable the company not only to tide over their current cash flow mismatch but also turnaround and embark on a growth trajectory. Our team has versatile experience in restructuring, rehabilitation, revival and turnaround advisory.

KKCSL helps revive those projects which face financial difficulty either due to lack of proper financial planning at the time of raising funds or due to inadvertent market conditions. Many a times Projects face liquidity constraints either during implementation period or operations. These liquidity constraints may be due to Time Overrun, change in business plans during implementation or poor financial planning due to lack of sound financing experience. KKCSL helps such projects in getting to the right track by providing following services-: Service Offered Understanding the bottlenecks responsible for stressed position of the business Chalking out various solutions which suits business model and future plans Preparing a comprehensive restructuring plan based on the most appropriate solution in conformity with CDR guidelines Submission of restructuring plan along with requisite documents to the CDR Cell/lenders. Coordinating with the lenders at all levels and the CDR Cell to obtain a viable restructured financial package Help in documentation process for ensuring timely implementation

Backed by rich industry experience and market understanding, we are involved in offering a wide array of products to our valued patrons

Debt Restructuring & Management

Debt Restructuring Service

Deal Debt Restructuring of Essar Oil

Valuation And Restructuring Sarvices

This method permits a private, public or a sovereign concern that is facing a problem in the cash flow to to reduce and renegotiate its felony in finance with an aim of developing the state of liquidity and reconstruct or reestablish. This will facilitate the entity to bring its operations to functioning. The procedure involves a cutback in the debt and prolongation in the terms of payment.

Harpreet Jaspreet Associates (Chartered Accountants) provides a full range of services including audit attestation services, business consulting, accounting, tax services and financial planning. As a dedicated team of professionals, we welcome the opportunity to respond to your needs quickly, effectively, and economically while offering you the utmost in personal attention and exceptional accounting ability.

The core of the debt restructuring and corporate revival plans is successful engagement with all the stakeholders. We not only provide full back end support which is driven from years of hands on experience but also extensively liaison with all stakeholders for arriving at successful revival plans.