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    • Question

      An NPA account has outstanding of ₹50 crore. The

      realisable value of security is estimated at ₹30 crore. The borrower offers a one‑time settlement of ₹28 crore payable upfront. From a pure financial recovery perspective, what is the most appropriate decision?
      A Accept immediately Correct Answer Incorrect Answer
      B Reject outright Correct Answer Incorrect Answer
      C Counter‑offer ≥ ₹30 crore Correct Answer Incorrect Answer
      D Go for legal recovery only Correct Answer Incorrect Answer
      E Write off Correct Answer Incorrect Answer

      Solution

      OTS below realisable value is economically sub‑optimal.

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