Restructuring of NPA Loans:Debt Restructuring, a common practice globally, provides relief to distressed borrowers. The intent here is to support deserving businesses by extending loan tenures, putting interest payments on hold, converting debt into equity, issuing fresh term or working capital loans, waiving off the interest and so on.The RBI said it has been decided that banks should ensure that the unit taken up for restructuring achieves viability in eight years, if it is engaged in infrastructure activities, and in five years in other cases. We arrange restructuring of NPA accounts from NBFCs.The customer will not get a top up in such cases, but heshe can avail this facility to avoid distress sale of the property which is mortgaged to the bank financial institution.The interest rate is higher compared to bank and it vary from institution to institution as the case may be.