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SPECIAL ONE TIME SETTLEMENT SCHEME (OTS) FOR NPA ACCOUNTS IN
MSME SECTOR
Coverage of the Scheme
• The approved policy will also cover eligible cases in which the Bank has initiated actions under SARFAESI Act, cases pending before Courts/ DRTs /Lok Adalat and decreed accounts subject to obtaining consent decree from the Court/ DRT/ Lok Adalat. • The approved OTS scheme will cover all NPAs classified as “doubtful” and “loss’’ as on 31.12.2011 in respect of Micro, Small and Medium Enterprises (manufacturing as well as services) having principal outstanding above Rs.10.00 lacs • Accounts under Consortium or Multiple Banking arrangements will also be eligible to be covered under the approved Scheme subject to approval by 75% of the lenders by amount. Validity of Scheme
• The Scheme shall be valid upto 30.09.2012 1. Settlement Formula- Settlement Amount

While arriving at OTS amount, the value of security(ies) available should be the basic criteria. Accordingly, the OTS amount in respect of NPAs (Doubtful and Loss) would be calculated in non-discretionary and non-discriminatory manner as under: S.No Particulars
I. OTS for NPAs in Doubtful Category
A

Distress Sale Value
75% of the Market Value of all available securities (Immovable/ movable) to be treated as
“Distress Sale Value”.

(Two independent valuations are to be obtained and 75% of higher valuation should be
considered as distress sale value)

Reference Recoverable Amount

All Suit Filed and Non-Suit Filed NPA Accounts :
Reference Recoverable Amount will be equal to:
Principal outstanding as on date of NPA plus Page 1 of 3
Simple interest @ Base Rate p.a. or contracted rate of interest whichever is lower on principal outstanding after giving due effect of recoveries, if any, after the date of NPA till the last completed quarter plus Debits raised in the account on behalf of the borrower for devolvement of LC/BG etc. plus Interest reversed at the time of NPA (To be reworked @ Base Rate simple) plus Charges (Legal Charges, Charges paid to Enforcement Agent etc) less Decreed NPA Accounts:
Reference Recoverable Amount will be equal to:
Interest as per terms of decree or Simple interest @ Base Rate p.a. or contracted rate of interest thereon, whichever is lower, after giving due effect of recoveries, if any, from date of filing suit upto last completed quarter plus Cost as per terms of decree and other miscellaneous charges incurred after the date of decree less OTS amount should be lower of the amounts, as worked out at A (Distress Sale Value)
and B (Reference Recoverable Amount) above. Maximum possible recovery can be
made in case of Distress Sale Value of the security being zero.

II. OTS for NPAs in Loss Category:
A

Distress Sale Value
75% of the Market Value of all available *securities (Immovable/ movable) to be treated as
“Distress Sale Value”.

(Two independent valuations are to be obtained and 75% of higher valuation should be
considered as distress sale value)
* Normally, security is not available in loss category. However, loss category also
covers fraud cases and collateral security may be available in such cases.

Reference Recoverable Amount
Reference Recoverable Amount will be equal to: Principal outstanding as on date of NPA plus Debits raised in the account on behalf of the borrower for devolvement of LC/BG etc. plus Interest reversed at the time of NPA (To be reworked @ Base Rate simple) plus Charges (Legal Charges, Charges paid to Enforcement Agent etc) less Page 2 of 3
OTS amount should be lower of the amounts, as worked out at A (Distress Sale Value)
and B (Reference Recoverable Amount) above. Maximum possible recovery can be
made in case of Distress Sale Value of the security being zero.

Note:- 1. To incentivize faster payments, incentive of 15% and 10% discount on OTS
amount arrived at, as per the settlement formula given above, would be allowed to those
borrowers who make full payment within one month and three month from the date of
conveying of approval of the OTS respectively.
2.The principal outstanding wherever used means the amount outstanding in the books
plus amount technically written off, if any, plus amount received (and appropriated) from
DICGC, ECGC, CGTMSE in the NPA account and less subsidy received and kept
separately as on 31.12.2011. Base Rate means the Base Rate effective at the time of
settlement.
Page 3 of 3

Source: https://www.obcindia.co.in/obcnew/site/MSME/10.SpecialOTSorMSMESector.pdf

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