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    Question

    An NPA of ₹25 crore is secured by land worth ₹18

    crore, but property is under litigation for next 5 years. Borrower is not cooperating. What is the most appropriate recovery strategy?
    A Wait till litigation ends Correct Answer Incorrect Answer
    B File only civil suit Correct Answer Incorrect Answer
    C Initiate SARFAESI and parallel legal action Correct Answer Incorrect Answer
    D Offer immediate OTS Correct Answer Incorrect Answer
    E Write off the account Correct Answer Incorrect Answer

    Solution

    Non-cooperation + litigation → multiple legal routes simultaneously.

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