India’s ₹10.87 Trillion NPA Challenge
The Challenge- for Banks and NBFCs
Banks and NBFCs face a structural crisis in managing retail and corporate NPAs. Mounting defaults, weak recovery mechanisms, and regulatory voids create a cycle of losses.
Massive Bad Loans- Banks and NBFCs hold over ₹10.87 trillion in bad loans (2020), with retail NPAs alone accounting for nearly ₹4 trillion.
Ineffective Legal Recovery- Lenders face costly, time-consuming, and fragmented legal processes, further burdened by a lack of in-house legal expertise.
Fragmented Legal Oversight- Most ARCs focus on large corporate NPAs, leaving the vast retail unsecured market largely unaddressed.
Operational Legal Hurdles- Banks struggle with limited control over legal timelines. Enforcement is further delayed by customers spread across diverse geographies.
Regulatory Gaps- The absence of individual insolvency laws leaves lenders with no clear framework for resolving retail NPAs.
Our Tech Stack
Integro turns unresolved debt into recovery, profitability, and renewed lending capacity for banks and NBFCs.
• Reduced NPA Burden – Converts stagnant bad loans into recoverable assets, directly lowering NPA ratios.
• Profit Recovery – Unlocks value from written-off or hard-to-recover accounts, improving bottom-line performance.
• Focus on Core Business – Frees banks and NBFCs from chasing retail defaults, allowing them to concentrate on fresh, profitable lending.
• Coverage of Retail Segment – Addresses the largely ignored retail unsecured loan market, where volumes are massive but underserved.
• Stronger Balance Sheets – By resolving stressed assets, lenders gain liquidity and improved financial health to re-deploy capital.