Facing legal notices for personal or business loans from Vivriti Capital? We specialize in negotiating One Time Settlements (OTS) and restructuring debt for SMEs and individuals.
Vivriti Capital is a "Systemically Important Non-Deposit Taking NBFC" registered with the RBI. Unlike smaller digital lenders, Vivriti is a major institutional player that provides debt capital to mid-market enterprises and also powers various fintech lending apps.
Because of its institutional nature, Vivriti Capital follows a highly structured and rigorous recovery process. Whether you have taken a direct business loan or a personal loan through one of their partner apps, they have a dedicated legal team to enforce repayment. This often involves swift initiation of arbitration proceedings and criminal complaints for cheque bounces.
AMA Legal Solutions specializes in handling complex cases with large NBFCs like Vivriti. We understand their provisioning norms and legal strategies, allowing us to negotiate effective One Time Settlements (OTS) or debt restructuring plans for our clients.
Vivriti Capital's diverse portfolio presents different challenges for borrowers. Here is what you need to know:
These are often disbursed via partner fintech apps. Borrowers may not even realize Vivriti is the lender until they receive a legal notice. The interest rates are high (24-36%), and missed payments attract daily penalties. Recovery is often outsourced to aggressive third-party agencies.
These are larger ticket loans for working capital or expansion. They are often backed by personal guarantees of directors. Defaulting here is serious—it can lead to SARFAESI action (if secured) or insolvency proceedings against the business, putting personal assets at risk.
Vivriti Capital uses a combination of arbitration and criminal proceedings to recover dues.
Most loan agreements include an arbitration clause. Vivriti can appoint a sole arbitrator to hear the dispute.
For business loans and personal loans repaid via NACH/Cheques, dishonor of payment is a criminal offense.
For businesses facing a liquidity crunch, straight settlement isn't always the only option.
OTS is a formal agreement where Vivriti Capital accepts a reduced amount to close the loan account fully and finally.
We leverage our understanding of NBFC provisioning norms to negotiate the best possible discount. We ensure all terms are documented clearly to prevent future claims.
We understand the specific regulatory environment governing NBFCs like Vivriti.
We have a track record of securing favorable settlements for both retail and corporate clients.
We provide robust defense in arbitration and Section 138 cases.
We analyze your loan agreement, repayment history, and outstanding dues to understand the leverage we have for negotiation.
We send a formal notice to Vivriti Capital, stating that AMA Legal Solutions represents you. This directs all future legal communication to us.
Based on your financial capacity, we draft a settlement proposal. For SMEs, this might include restructuring; for individuals, a one-time payment plan.
We engage with Vivriti's central legal and settlement teams. We push back against inflated penal charges and interest to reach a fair principal-based settlement.
We ensure the settlement terms are documented in a formal letter from Vivriti Capital, clearly stating the waiver amount and closure conditions.
Once you make the payment, we track the account closure and ensure you receive the No Dues Certificate (NDC) to clear your name.
As an RBI-registered NBFC, Vivriti Capital must adhere to:
Personal Loans: Settlement leads to a "Settled" status on CIBIL, lowering the score.
Business Loans: It affects the Commercial Credit Rank (CMR). This can make future business borrowing harder or more expensive.
However, resolving the debt is crucial. An open default is far worse than a settled account. You can rebuild creditworthiness over time with disciplined financial behavior.
"My manufacturing business faced a severe cash crunch, and I defaulted on a ₹25 Lakh loan from Vivriti. They sent a legal notice threatening insolvency. AMA Legal Solutions stepped in and negotiated a restructuring plan. They got me a 6-month moratorium and waived the penalty interest. My business is now back on track."
SME Owner, Chennai
"I took a personal loan through an app, not realizing it was from Vivriti. When I lost my job, I couldn't pay. They filed for arbitration. AMA Legal Solutions represented me in the hearing and negotiated a settlement. I paid 45% of the total due, and the case was withdrawn."
Software Engineer, Bangalore
Expert answers on settling your Vivriti Capital personal and business loans.
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