Debt Restructuring: A Strategic Solution for Managing Financial Obligations and Avoiding Default
A Comprehensive Strategy for Financial Stability, Debt Relief, and Long-Term Sustainability.
- Banks & NBFCs
- 70+ Banks & NBFCs
- Loan products
- 7 Loan products
- Max loan size
- ₹15 Cr Max loan size
- Impact on credit score to compare
- ₹0 Impact on credit score to compare
Debt Restructuring
Reorganise existing loans — lower rates, longer tenure, avoid default.
- Debt Restructuring (modify terms of existing loans)
- Debt-for-equity swap
- Interest rate reduction / due date extension
- 70+ banks & NBFCs
- Quick approval & disbursal
- Bank-grade data security
- Compare with zero credit-score impact
Debt Restructuring options
The debt restructuring products we help you compare and apply for across our partnered banks and NBFCs.
- Debt Restructuring (modify terms of existing loans)
- Debt-for-equity swap
- Interest rate reduction / due date extension
Key features & benefits
Available to companies, individuals, and even countries
Reduce interest rates or extend due dates
Less expensive alternative to bankruptcy
Benefits both borrower and lender
Debt Restructuring interest rates
Indicative debt restructuring rates, processing fees and loan amounts across our partnered banks and NBFCs. Final terms are set by the lender on approval.
| Bank / NBFC | Interest Rate | Processing Fee | Loan Amount | Apply |
|---|---|---|---|---|
| ICICI Bank | 08.65% to 09.25% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| Kotak Mahindra Bank | 08.65% to 09.25% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| HDFC Bank | 08.65% to 09.25% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| Axis Bank | 08.65% to 09.25% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| IDFC Bank | 09.25% to 10.50% | 0.50% + GST | Rs.10 L to Rs.15 cr | Apply |
| Godrej Capital | 09.25% to 11.50% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| L&T Housing Finance | 08.65% to 09.25% | 10k + GST to 0.25% + GST | 5 lacs to 15 crore | Apply |
| Axis Finance | 10.50% to 12.50% | 0.75% to 1% + GST | 20 lacs to 15 crore | Apply |
| Bajaj Finance | 08.50% to 9.00% | 10k + GST to 0.25% + GST | 20 lacs to 10 crore | Apply |
| Piramal | 10.5% to 12.50% | 1% + GST | 10 lakh to 2 crore | Apply |
| ICICI HFC | 09.50% to 12.00% | 0.75% to 1% + GST | 10 lakh to 2 crore | Apply |
ICICI Bank
Apply- Interest Rate
- 08.65% to 09.25%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
Kotak Mahindra Bank
Apply- Interest Rate
- 08.65% to 09.25%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
HDFC Bank
Apply- Interest Rate
- 08.65% to 09.25%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
Axis Bank
Apply- Interest Rate
- 08.65% to 09.25%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
IDFC Bank
Apply- Interest Rate
- 09.25% to 10.50%
- Processing Fee
- 0.50% + GST
- Loan Amount
- Rs.10 L to Rs.15 cr
Godrej Capital
Apply- Interest Rate
- 09.25% to 11.50%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
L&T Housing Finance
Apply- Interest Rate
- 08.65% to 09.25%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 5 lacs to 15 crore
Axis Finance
Apply- Interest Rate
- 10.50% to 12.50%
- Processing Fee
- 0.75% to 1% + GST
- Loan Amount
- 20 lacs to 15 crore
Bajaj Finance
Apply- Interest Rate
- 08.50% to 9.00%
- Processing Fee
- 10k + GST to 0.25% + GST
- Loan Amount
- 20 lacs to 10 crore
Piramal
Apply- Interest Rate
- 10.5% to 12.50%
- Processing Fee
- 1% + GST
- Loan Amount
- 10 lakh to 2 crore
ICICI HFC
Apply- Interest Rate
- 09.50% to 12.00%
- Processing Fee
- 0.75% to 1% + GST
- Loan Amount
- 10 lakh to 2 crore
Rates are indicative and lender-provided; they vary by profile, amount and tenure. PakkaLoan does not lend directly.
Eligibility & documents
Check that you meet the criteria and keep these documents handy for a faster approval.
Eligibility criteria
- Age: 21-60 years (Salaried), 25-65 years (Self-Employed)
- Active employment/business for at least 2 years
- Credit score of 650+ (may vary by lender)
- Proof of financial hardship or reduced income
- No defaults in the past 12 months
- Recovery plan required for businesses
- Collateral may be needed for higher loan amounts
Documents required
- Proof of Identity/Residence
- Documents confirming identity and address, such as Passport, Aadhar, or Utility Bills
- Proof of Income
- Recent salary slips, ITR, or bank statements
- Property-Related Documents
- Title deed, property tax receipts, or sale deed
- Proof of Business (for Self-Employed)
- Business registration documents, GST registration, etc.
- Account Statement
- Bank account statement for the last 6 months
- Existing Loans Statement
- Statement of accounts for all existing loans
Fees & charges
The fees and charges usually vary from lender to lender and from case to case.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.5% to 4% of Loan Amount |
| Loan Cancellation | Usually 3000 to 5% of Loan Amount |
| Stamp Duty Charges | As per the Value of the Property and State Tax |
| Legal Fees | As per actual |
| Penal Charges | Usually 2% per month |
| EMI / Cheque Bounce | Approx 499/- to 599/- |
Loan Processing Fees
0.5% to 4% of Loan Amount
Loan Cancellation
Usually 3000 to 5% of Loan Amount
Stamp Duty Charges
As per the Value of the Property and State Tax
Legal Fees
As per actual
Penal Charges
Usually 2% per month
EMI / Cheque Bounce
Approx 499/- to 599/-
Estimate your debt restructuring EMI
Seeded with indicative debt restructuring terms. Adjust the amount, rate and tenure to see your monthly instalment and total interest.
Debt Restructuring EMI calculator
Drag the sliders to estimate your monthly instalment, total interest and total amount payable. Figures are indicative.
- Principal79%
- Interest21%
Monthly EMI
₹15,81,440
over 60 monthly installments
Principal amount
₹7,53,00,000
Total interest
₹1,95,86,409
20.6% of total payment
Total payable
₹9,48,86,409
principal + interest
Checking offers won't affect your credit score.
Debt Restructuring FAQs
Common questions about debt restructuring eligibility, rates, tenure and repayment.
Debt restructuring is a process that allows businesses or individuals facing financial difficulties to reorganize their debts. It involves modifying the terms of existing loans to make repayments more manageable, such as extending repayment periods or lowering interest rates.
Eligibility for debt restructuring depends on your financial situation and the lender's policies. It is typically available for individuals or businesses facing financial difficulties, with a proven inability to meet existing debt obligations under current terms.
Debts that can typically be restructured include business loans, personal loans, credit card debt, and sometimes mortgage loans. The terms and availability depend on the lender and the borrower's circumstances.
Debt restructuring involves modifying the terms of existing loans to make repayment more manageable. Debt consolidation, on the other hand, involves combining multiple loans into a single loan with a new interest rate and repayment term.
Yes, debt restructuring may impact your credit score as it indicates financial stress. However, it can be a better alternative to defaulting on payments, which would have a more severe effect on your creditworthiness.
The debt restructuring process usually involves negotiating new loan terms with your lender, including reduced interest rates or extended repayment periods. After an agreement is reached, the lender modifies the loan terms to reflect the changes.
Debt restructuring can provide relief by reducing the monthly repayment burden, extending the loan tenure, or lowering the interest rate. It allows borrowers to avoid defaulting on their loans and can improve cash flow for businesses and individuals.
Yes, many lenders offer debt restructuring even if your loan is in default. The goal of restructuring is to help you manage your debt more effectively and avoid further financial distress. However, approval depends on the lender's policies and your financial situation. It is important to communicate with your lender as early as possible to explore restructuring options before the situation worsens.
Other loans you can compare
One application opens offers across every product. Find the one that fits.
- from 7.4%View Home Loan
Home Loan
Buy, build or refinance — flexible terms, rates from 7.4%.
- from 10.25%View Personal Loan
Personal Loan
Unsecured funds up to ₹75 Lakhs — minimal docs, quick disbursal.
- from 12%View Business Loan
Business Loan
Collateral-free funding up to ₹75 Lakhs, disbursed in 5–7 days.
- from 9%View Working Capital Loan
Working Capital Loan
Secured limits to run daily operations — rates from 9%, LTV up to 100%.
- from 7.8%View Loan Against Property
Loan Against Property
Unlock 60–70% of your property's value at low rates from 7.8%.
- from 10%View Biomedical Equipment Loan
Biomedical Equipment Loan
MSME quick loans up to ₹50 Lakhs for lab & medical equipment.
Apply for your Debt Restructuring today
One application, multiple lenders. Compare offers and pick the best — checking won’t affect your credit score.