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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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