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-Banking Financial Company (NBFC) registered with the RBI. They are a major player in the Indian debt market, providing debt capital to mid-market enterprises and also lending to retail customers through partnerships with various fintech apps.
Because they operate as an institutional lender, their recovery processes are structured and legally rigorous. Whether you have a direct business loan or a personal loan through a partner app, Vivriti Capital is the entity that holds the legal right to recover the debt.
AMA Legal Solutions helps borrowers navigate the complexities of dealing with a large NBFC like Vivriti. We provide legal defense against arbitration and negotiate settlements that are financially viable for you.
Vivriti Capital's portfolio is diverse, and the challenges vary by loan type:
Often disbursed via fintech partners. High interest rates and aggressive digital recovery are common issues. Borrowers may not even realize Vivriti is the lender until they receive a legal notice.
Larger ticket sizes, often secured or backed by personal guarantees. Default here can lead to SARFAESI action (for secured loans) or insolvency proceedings against the business.
This is the most common legal tool used. The loan agreement allows them to appoint an arbitrator. If you fail to represent yourself, an award is passed, which can be executed as a court decree to attach your assets or bank accounts. We provide strong legal representation in these arbitration tribunals.
For business loans and personal loans where post-dated cheques or NACH mandates are involved, dishonor of payment can lead to a criminal complaint. This is a pressure tactic to force settlement. We help you handle the legal summons and negotiate an out-of-court settlement.
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 review your loan agreement, outstanding dues, and financial position.
We formally inform Vivriti Capital that we represent you, directing all legal comms to us.
We submit a structured settlement proposal based on your ability to pay.
We engage with their settlement officers to agree on a final amount.
Upon payment, we ensure you receive the No Dues Certificate.
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 small business took a hit, and I couldn't pay my Vivriti loan. AMA Legal helped me restructure the debt and eventually settle it. Professional and effective."
SME Owner, Chennai
"I didn't even know my app loan was from Vivriti until I got a notice. AMA Legal explained everything and handled the settlement smoothly."
Software Engineer, Bangalore
Expert answers on settling your Vivriti Capital personal and business loans.
Expert legal guidance for a debt-free future.
Our loan settlement services are available across all states and union territories in India