Corporate Debt Restructuring & Repayment Advisory
Assess financial obligations, repayment difficulties, debt exposure and restructuring options.
INSOLVENCY & RESTRUCTURING
Debt Restructuring
Restructuring Financial Obligations. Strengthening Business Continuity. Supporting Sustainable Recovery.
OUR SERVICES FOR DEBT RESTRUCTURING
Our Debt Restructuring Services
Practical support across repayment revision, creditor negotiations, refinancing, security restructuring and implementation.
Creditor Negotiations & One-Time Settlement Advisory
Support settlement proposals, lender negotiations, compromise documentation and payment arrangements.
Stressed Assets & Financial Distress Assessment
Review contractual defaults, creditor exposure, security arrangements and financial restructuring feasibility.
Loan Refinancing, Security & Guarantee Restructuring
Advise on refinancing, security modification, guarantees, revised covenants and financing structures.
Inter-Creditor Arrangements & Multi-Lender Restructuring
Assist with creditor coordination, priority issues and restructuring frameworks.
Insolvency, Recovery & Resolution Strategy
Evaluate applicable routes, including SARFAESI, DRT, contractual recovery and other resolution options.
KEY BENEFITS
Debt Restructuring in India
Debt restructuring can help address financial obligations through a negotiated or formal resolution route. The appropriate approach depends on the borrower’s financial position, creditor rights, available security, business viability and applicable law.
Considered for your next chapter.
Realistic and sustainable repayment arrangements
Assess repayment capacity and develop revised terms that respond to the business’s financial position.
Improved business continuity and liquidity
Consider restructuring options that may support viable operations while addressing creditor obligations.
Better creditor coordination and negotiation
Coordinate discussions, approvals and documentation across lenders and other stakeholders.
Reduced enforcement and insolvency risks
Identify contractual defaults, security rights, recovery exposure and applicable resolution pathways.
Legally documented and compliant restructuring
Record agreed terms, approvals, revised obligations and implementation conditions.
Support for long-term financial stability
Establish clear milestones and monitoring for the agreed restructuring plan.
WHO NEEDS THESE SERVICES?
Who needs debt restructuring services?
Debt restructuring can help address financial obligations through a negotiated or formal resolution route. The appropriate approach depends on the borrower’s financial position, creditor rights, available security, business viability and applicable law.
- Corporate borrowers
Businesses managing financial stress, defaults or repayment challenges.
- MSMEs
Small and medium enterprises seeking sustainable repayment arrangements.
- Banks & NBFCs
Lenders coordinating repayment, refinancing, recovery and restructuring proposals.
- Promoters & directors
Leadership teams assessing business continuity and stakeholder obligations.
- Creditors & investors
Stakeholders evaluating claims, restructuring terms and recovery prospects.
Clarity for what comes next.
COMPARATIVE ANALYSIS
Debt Restructuring vs Refinancing vs OTS vs IBC
Compare potential financial distress routes at a high level. Eligibility, creditor consent and outcomes depend on the facts and applicable law.
Debt Restructuring — Available Approaches
| Parameter | Debt Restructuring | Refinancing | One-Time Settlement | IBC Resolution |
|---|---|---|---|---|
| Objective | Modify existing repayment terms | Replace or reorganise financing | Agree a compromise of debt | Resolve insolvency through statutory process |
| Approvals | Lender consent as required | New lender and existing creditor approvals | Relevant creditor approval | As provided under IBC process |
| Debt treatment | Revised repayment obligations | New or revised financing terms | Agreed settlement amount | Resolution plan or statutory outcome |
| Security impact | May continue or be modified | May be released, replaced or continued | As recorded in settlement | Governed by applicable process |
| Key consideration | Repayment feasibility | Availability and cost of finance | Ability to meet settlement terms | Eligibility, timelines and process outcome |
Single-Lender vs Multi-Lender Restructuring
| Parameter | Parameter | Single-Lender | Multi-Lender |
|---|---|---|---|
| Creditor coordination | One lender | Multiple lenders | |
| Approval process | Lender internal approvals | Collective or individual approvals | |
| Documentation | Facility-specific amendments | Coordinated agreements and inter-creditor arrangements | |
| Security | Existing lender security | Shared or multiple securities | |
| Complexity | Relatively straightforward | More complex negotiation | |
| Key consideration | Repayment feasibility | Creditor alignment and enforceable structure |
This comparison is a general guide, not a recommendation or determination of eligibility. Obtain advice based on the debt, security, creditor position and current law.
DEBT RESTRUCTURING PROCESS
A coordinated seven-stage restructuring process
Assess financial stress, evaluate options, align creditors and implement a documented, sustainable restructuring plan.
- 01
Financial Stress & Debt Assessment
Review debt, defaults, liabilities, security and repayment capacity.
- 02
Legal, Contractual & Regulatory Review
Examine agreements, notices, guarantees and applicable requirements.
- 03
Restructuring Proposal Development
Evaluate options and develop revised repayment terms.
- 04
Lender Engagement & Negotiation
Present proposals and coordinate creditor approvals.
- 05
Documentation & Approvals
Draft, review and execute restructuring documents.
- 06
Implementation & Filings
Complete conditions, filings, registrations and implementation steps.
- 07
Monitoring & Ongoing Support
Track obligations, reporting, covenants and future actions.
DOCUMENTS & REQUIREMENTS
Documents Required (Illustrative)
The information required varies by debt profile, lender, security package and proposed resolution route.
- Incorporation and constitutional documents
- Loan agreements and sanction letters
- Financial statements and cash-flow projections
- Account statements and repayment history
- Security and guarantee documents
- ROC and CERSAI charge records
- Lender correspondence and notices
- Proposed restructuring terms and business plan
PROFESSIONAL FEES (INDICATIVE)
Fees aligned to restructuring scope
Fees depend on debt profile, number of creditors, security structure, negotiation complexity, proceedings and implementation support. Government charges and third-party expenses are separate.
Debt Assessment & Strategy
On request- Debt assessment and legal review
- Creditor and security overview
- Restructuring options discussion
- Recommended next steps
Restructuring & Implementation
Scope-based- Restructuring strategy and proposal
- Creditor negotiation support
- Documentation and approval coordination
- Implementation and monitoring support
Customised Quote
For complex ownership, activity-specific permissions, foreign participation or tailored requirements.
Get a QuoteGovernment charges, applicable taxes and third-party costs are confirmed separately as part of the proposed scope.
FREQUENTLY ASKED QUESTIONS
Browse all FAQs A few useful answers
Answers to common questions about debt restructuring, creditor negotiations and implementation.
What is debt restructuring?
How is restructuring different from a one-time settlement?
Can a company restructure loans from multiple lenders?
When should a business seek restructuring advice?
Does debt restructuring stop recovery or enforcement action?
What documents are needed for an initial assessment?
How long does a restructuring take?
How are advisory fees determined?
TESTIMONIALS
Clear advice. Practical direction.
Perspectives shared with permission by clients of our advisory teams.
Astronis Global brought clarity and commercial focus to a complex restructuring exercise. Their advice was practical, timely and easy for our leadership team to act on.
The team understood our regulatory requirements quickly and helped us move forward with confidence. We valued their responsiveness and disciplined follow-through.
Astronis Global provided dependable support across multiple registrations and approvals. Their communication was clear, structured and consistently professional.
INSIGHTS & EVENTS
View all insights Latest Articles, Updates and Events
KNOWLEDGE CENTRE
Guides, checklists and templates
Practical material to help organise financial, creditor and restructuring information for an initial review.
YOUR NEXT CHAPTER STARTS HERE
Facing Financial Distress? Plan Your Next Step.
Discuss your financial position, stakeholder priorities and possible restructuring routes with our advisory team.
Schedule a Debt Restructuring Consultation