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Sugam Rinn Bhugtan Yojana (SUGAM) -II Scheme Special OTS Scheme
1. Scheme Period Scheme effective date: November 01,2025; Scheme end date: March 27, 2026
2. Eligible Accounts Retail NPA accounts with classification of NPA up to March 31, 2022 which continue to be NPAs as on June 30, 2025 under DAII, DAIII, LA &TWO category with Borrower-wise aggregate Gross Principal Outstanding (GPO) of Rs.5 Lakh and above and up to Rs.5 crore, subject to other eligibility criteria, are covered in the Scheme.
3. Non eligible Accounts/ Borrowers Accounts falling in the following parameter/ categories are inter alia not eligible under the Scheme:
  1. where the sanction given under extant Policy on OTS/NS, if it is in currency
  2. Formal Offer for settlement along with upfront amount has been received before launch of the Scheme
  3. Accounts under Consortium/ Multiple Banking Arrangement.
  4. Overdraft/ loan against FD/NSC/LIC/LAS, Gold Loans or any other liquid security;
  5. Staff loans (including staff Credit card) and staff guaranteed loans including commercial loans granted to staff;
  6. Admitted in NCLT under IBC;
  7. CGTMSE, CGFMU, CEGSSC, ECGC, GECL and MUDRA Loans, etc.,
  8. Standalone CASA accounts with debit balance due to sanction/ grant of inbuilt overdraft viz. Salary OD/Temporary OD/ similar OD facility
  9. As on COD, charged/uncharged assets are auctioned, Bids received under public auction/ private treaty either through SARFAESI/DRT/any other means and is under process.
  10. If one account of the Borrower is not eligible all other accounts of the Borrower shall not be eligible.
  11. In case of common security extended to multiple borrowers, if one of the borrower is not eligible all others borrowers shall not be eligible, however if the ineligible borrower would close his/her loan outstanding by paying entire dues without any waiver before issuance of offer letter, the other borrower would automatically become eligible.
4. Concessions available to Borrowers
  1. Waiver of interest and expenses, in respect of all eligible accounts
  2. Hair-cut / Concessions based on available security coverage.
5. Payment Terms
  1. Parties to Settlements shall have to deposit at least 10% of the Settlement amount as upfront on or before December 15, 2025 to confirm his/ her/ its participation in the Scheme.
  2. Balance settlement amount would be payable:
    within maximum 90 days from the date of Letter of Approval (LOA) for payment without interest

    OR

    on or before March 27, 2026 for payment with interest @ 1 year MCLR (as on COD) + 2% per annum calculated on simple interest basis on the amount paid beyond 90 days from the date of this LOA.
However, under no circumstances the payment under this settlement can be made beyond March 27, 2026, even if residual no of days from the date of this LOA are less than 90 days.
Please contact your Home Branch and concerned Retail Recovery Officer (RRO) for further details.
  • Terms and conditions apply