For Banks & Lenders
A documented recovery pathway for eligible property-backed distressed accounts — with consent and due process at the centre.
Exit sticky NPAs
Move eligible home-loan and LAP NPAs into a funded purchase via a per-property LLP, instead of prolonged litigation or eviction.
Consent-led resolution
Every step requires borrower consent. A tripartite structure keeps due process and dignity at the centre.
Documented closure
OTS, no-dues certificate, and registered instruments come together in a clear sequence — with recovery progress visible to your team.
No investor identities exposed
Bank users see recovery progress and exit amounts only. Investor identities and full rent ledgers are not visible.
How it works
Delinquency
Account reaches SMA-2 / NPA / OTS discussion / SARFAESI.
Refer to HQEX
Submit a referral with masked property and borrower consent status.
Underwriting
HQEX runs gates: self-occupied, stage, rent affordability, below-market, consent, title.
OTS & LLP
One-time settlement negotiated; investor LLP funds the purchase.
Closed
No-dues certificate issued; borrower continues as tenant on a 3+1 year lease.