Credit Monitoring, Legal Aspects & Recovery Of Bank Loan

Credit Monitoring, Legal Aspects & Recovery of Bank Loan is an operationally focused guide that equips lending institutions and legal advisors with the skills and procedures necessary to prevent defaults and recover stressed assets swiftly. The book starts with credit-monitoring frameworks—borrower watchlists, covenants, financial ratio tracking and early-warning indicators—then moves into remedial measures including restructuring, rescheduling and negotiated settlements. The legal module covers statutory and non-statutory routes for recovery: SARFAESI enforcement, secured creditor remedies, filing recovery suits, attachment and sale of securities, Debt Recovery Tribunal procedures, and insolvency/resolution under insolvency law. Each chapter contains practical flowcharts, sample demand letters, statutory notices, petition formats and checklist templates that make implementation immediate and repeatable. The author highlights documentation best practices, audit trails for legal defensibility, valuation principles for collateral, and strategies for contested recoveries including litigation management and settlement negotiation. Illustrated by real-world case studies and common pitfalls, this book serves as a desk handbook for credit officers, recovery teams and lawyers responsible for minimizing loss and maximizing recovery value.