Accelerate NPA Recovery. Eliminate Legal Delays. Maximize Capital.
A centralized digital intelligence platform built for banks, NBFCs, and financial institutions to monitor early-stage stress (SMA), automate SARFAESI legal notices, calculate OTS settlements, and manage DRT litigation seamlessly.
30-40% Faster Recovery
Accelerates Capital Realization Cycles.
Zero Missed Deadlines
Automated SARFAESI Statutory Timers.
Multi-Tier RBAC
Branch, Region & Head Office Control.
Automated OTS Engine
Instant Min-Eligible Compromise Calc.
Digitizing Non-Performing Asset (NPA) Recovery Management
Replacing manual paperwork, scattered spreadsheets, and missed court dates with centralized real-time legal intelligence.
When borrower accounts stop paying EMIs, financial institutions face a daunting challenge: navigating complex multi-jurisdictional statutory laws (SARFAESI Act 2002), debt recovery tribunals (DRT), and compromise settlements while tracking strict court hearing dates.
Metrics Recovery solves these structural bottlenecks by consolidating all defaulted loan accounts into a single real-time operational hub. From early SMA warnings (DPD 1-90 days) to physical property auctions and One-Time Settlements (OTS), every action is tracked with audit-ready legal compliance.
Unified Legal & Recovery Hub
Track SARFAESI, OTS, DRT, and Lok Adalat cases in one place.
Statutory Notice Automation
Auto-tracks 60-day demand notices, newspaper ads, and DM order expiries.
Shadow & Book Balance Accounting
Calculates uncollected penal interest to negotiate optimum OTS settlements.
Key Banking & Recovery Concepts
Days Past Due
The exact number of days a loan installment or EMI payment has passed its scheduled due date (e.g., DPD 30 = 30 days overdue).
Special Mention Account
Early warning indicator for loan stress. SMA-0: 1-30 days overdue. SMA-1: 31-60 days. SMA-2: 61-90 days overdue.
Non-Performing Asset
A loan account overdue for more than 90 days, officially classified as a default or bad debt under RBI regulatory guidelines.
Securitisation Act 2002
Empowers financial institutions to seize and sell pledged collateral properties (residential, commercial) without lengthy court trials.
One-Time Settlement
A mutual compromise agreement where the bank agrees to settle the loan for a reduced lump-sum payment if full recovery is improbable.
Debt Recovery Tribunal
Fast-track judicial tribunal established by law for recovering high-value bank debts (typically exceeding ₹20 Lakhs).
People's Court Forum
Fast-track alternative dispute resolution forum to settle loan disputes amicably with binding legal consent decrees.
Civil Litigation
Standard court litigation used primarily for unsecured loans or agricultural accounts not covered under the SARFAESI framework.
Eliminating Traditional Loan Recovery Friction
Compare manual spreadsheet recovery management against the automated digital engine of Metrics Recovery.
Legacy Manual Operations
Scattered Spreadsheets & Lapsed Notices
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Missed Statutory Deadlines: 60-day SARFAESI demand notice windows lapse unnoticed, invalidating legal actions.
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Uncoordinated Legal Filings: Disconnected case updates between external panel advocates and branch managers.
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Error-Prone OTS Math: Manual calculation of shadow interest and minimum eligible settlement limits leads to revenue leaks.
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Zero Head Office Oversight: Regional and Head Office executives lack live visibility into branch-level recovery pipelines.
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Lost Physical Receipts: Registered AD postal slips and newspaper publication proofs misplaced in physical file folders.
Centralized Digital Recovery
Automated Timers & Multi-Tier Audits
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Automated Statutory Timers: Interactive legal calendar alerts staff 15 days before notice expirations.
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Unified Case Log: Advocate names, tribunal case numbers, hearing dates, and interim court orders logged digitally.
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Automated OTS Engine: Calculates Book Balance vs Shadow Interest and enforces minimum settlement thresholds instantly.
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Live Executive Dashboard: Real-time oversight across all branches, regions, and high-value legal cases.
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Secure Document Vault: Store scanned demand notices, postal receipts, newspaper ads, and property valuations.
From Default to Recovery
A step-by-step journey from loan default to final recovery through legal channels.
NPA Classification (Non-Performing Asset)
When the borrower fails to repay EMI for 90 days or more, the account is classified as NPA.
SMA Classification (Special Mention Account)
Before NPA, if EMI is overdue: SMA-0 (1–30 days), SMA-1 (31–60 days), SMA-2 (61–90 days).
Demand Notice
Bank issues a legal demand notice under Section 13(2) of SARFAESI Act, calling for payment of the outstanding amount.
SARFAESI Action
If payment is not made, bank can take possession of secured assets and issue possession notice under Section 13(4).
Asset Auction
Bank issues sale notice and conducts auction of the secured asset to recover the outstanding dues.
DRT (Debt Recovery Tribunal)
Borrower can file an application before DRT against bank's action. DRT hears the case and may pass recovery order in favor of the bank.
DRAT / High Court
If borrower is not satisfied with DRT order, they can appeal to DRAT and further to High Court on legal grounds.
Lok Adalat / Settlement
Parties can settle the matter through Lok Adalat or One Time Settlement (OTS) for quick resolution and final recovery.
Recovery & Closure
Once the outstanding amount is recovered through any of the above channels, the account is closed and marked as Settled / Closed.
End-to-End NPA Recovery Workflow
From early-warning SMA stress indicators to 4 dedicated legal and compromise recovery pathways.
SMA Early Warning Monitoring
Verbal reminders, tele-calling logs, customer payment commitment tracking.
NPA Default & 360° Borrower Audit
PAN/Aadhaar check, co-borrower & guarantor audit, pledged property valuation assessment.
SARFAESI Collateral Realization
Enforcement of pledged security properties without court intervention.
- • Section 13(2) Demand Notice (60-day window)
- • Section 13(4) Symbolic Possession Notice
- • Vernacular & English Newspaper Ad Tracker
- • Section 14 DM / DC Physical Possession Order
- • Property E-Auction & Recovery Realization
OTS One-Time Settlement
Accelerated compromise settlements to recover capital swiftly.
- • Automated Minimum Eligible Limit Engine
- • Book Balance vs Shadow Interest Math
- • Branch to RO / HO Approval Workflow
- • 15-Day Sanction Expiry Warning Alerts
- • Installment Payment Schedule Tracker
DRT (Debt Recovery Tribunal)
Specialized legal court tracker for high-value defaulted loans.
- • Original Application (OA) Filing Tracker
- • Advocate Assignment & Legal Fee Logs
- • Next Hearing Date & Court Bench Alerts
- • Interim Application (IA) Orders Logging
- • Recovery Certificate Execution Monitoring
Lok Adalat & Civil Suits
Compromise awards & standard civil money decree executions.
- • Pre-litigation Lok Adalat Notice Generation
- • Binding Compromise Award Decree Logs
- • Civil Court Money Suit Stage Progression
- • Decree Compliance & Execution Petitions
- • Unsecured Loan Recovery Tracking
Core System Modules & Features
Enterprise software modules designed to accelerate recovery workflows across all departments.
SMA Early Warning Engine
Monitors DPD 1-90 days before default happens. Frontline branch officers log customer call histories, visit notes, and payment commitment dates.
360° Borrower Customer Profile
Complete customer dossier linking primary borrower, co-borrowers, guarantors, residential/commercial property registration numbers, and market valuations.
SARFAESI Notice Automation
Enforces statutory legal timelines for Sec 13(2) demand notices, 13(4) symbolic possession, District Magistrate Sec 14 orders, and reserve price e-auctions.
OTS Settlement & Sanctions
Automated settlement math evaluating uncollected penal interest, minimum eligible limits, multi-tier approvals, and 15-day sanction expiry countdowns.
DRT & Legal Court Tracker
Manages Debt Recovery Tribunal OA filings, panel advocate logs, next hearing date reminders, Lok Adalat awards, and money decree executions.
Interactive Recovery Calendar
Cross-module timeline mapping DRT court hearings, SARFAESI statutory expirations, public newspaper publication dates, and OTS sanction timeouts.
4-Tier Multi-Level Banking Hierarchy
Strict Role-Based Access Control (RBAC) governing every stage of recovery execution.
Branch Office User
Frontline Execution
Initiates legal notices (SARFAESI, DRT), logs daily borrower calls, uploads postal receipts & submits OTS proposals.
Regional Office User
Regional Governance & Review
Reviews and approves/rejects OTS proposals, oversees branch legal compliance, and monitors regional target actuals.
Head Office Executive
Strategic & Executive Oversight
Macro NPA metrics dashboard, bank-wide recovery targets, high-value case monitoring, and regulatory RBI reporting.
System Administrator
System Maintenance & CBS
Manages user credentials, branch master data, role assignments, and imports fresh NPA data from Core Banking Systems.
Next-Gen Strategic Enhancements
Future-ready expansion roadmap to make Metrics Recovery a 100% complete enterprise solution.
Omnichannel Communication Hub
Automated SMS, WhatsApp, & Email alerts for demand notices and payment link generation for early-stage SMA overdue collection.
External Advocate & Valuer Portal
Dedicated external portals for panel lawyers to upload court hearing orders and certified valuers to submit property photos & reports.
AI-Powered Recovery Risk Scoring
Machine learning model predicting which recovery pathway (OTS vs SARFAESI vs DRT) will yield maximum realization in the shortest time.
Automated Escalation Matrix
Automated SLA timers escalating idle 60-day demand notices to Regional Heads if branch action is delayed by over 5 days.
Credit Bureau Auto-Reporting
Direct automated CIBIL / Experian reporting integration for wilful defaulters and statutory legal enforcement actions.
Field Agent Mobile App
Geo-tagged field recovery app for site visit logging, physical property photo capture, and borrower digital signature collection.
Value Delivered to Financial Institutions
Proven operational ROI and regulatory compliance efficiency gains.
Faster Capital Recovery
Reduces average loan recovery cycle duration by weeks.
Statutory Adherence
Zero SARFAESI notice invalidations due to lapsed timers.
Executive Transparency
Real-time visibility across Branch, Regional & Head Office.
RBI Regulatory Audits
Instant export of bank-wide quarterly NPA compliance reports.
Frequently Asked Questions
How does SARFAESI statutory notice tracking work in Metrics Recovery? ↓
How does the OTS (One-Time Settlement) engine calculate minimum compromise limits? ↓
Can Metrics Recovery integrate with our bank's existing Core Banking System (CBS)? ↓
How are Debt Recovery Tribunal (DRT) court hearings tracked? ↓
Ready to Accelerate Your Bank's NPA Realization?
Schedule a live presentation and enterprise workflow demo with our Fintech Solutions team today.