How digital platforms are transforming India’s NPA disposal market : Dr. R. Srinivasan

A recent article for Business Standard, co-authored by Dr. R. Srinivasan, Strategy area, IIMB, with Prof. Amar Saxena, Ratan Tata Maharashtra State Skills University, explores how digital technology is bringing transparency and efficiency to India’s NPA (Non-Performing Asset) disposal process. Despite the regulatory frameworks of SARFAESI and IBC, inefficiencies remain due to high transaction costs, limited trust, and information asymmetry. The authors highlight how platforms are reducing NPA disposal time, increasing bidder participation, and unlocking value for both banks and buyers, paving the way for a more accessible and liquid distressed asset market.