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
B Reject outright
C Counter‑offer ≥ ₹30 crore
D Go for legal recovery only
E Write off
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