Large-value loans, stressed accounts, and high-risk exposures require more than routine follow-up—they demand focused and continuous oversight. At CHOWDARY & RAO, our Assets Specialised Monitoring services are tailored for banks, NBFCs, and financial institutions seeking in-depth, real-time supervision over critical borrower accounts. This service is particularly relevant in cases where early intervention can prevent asset deterioration or support recovery efforts more effectively.

Our monitoring process involves regular review of borrower performance, financial health assessments, end-use verification of funds, tracking of repayment behavior, and compliance with sanction terms. We perform field-level inspections, borrower engagement, and periodic reviews of stock statements, financial covenants, and security coverage. The goal is to identify early warning signals such as delays in project implementation, fund diversion, or deterioration in financial ratios—thereby allowing lenders to act proactively.

We support both pre-sanction and post-disbursement monitoring, especially in sectors prone to volatility or where exposure levels are significant. Our team brings a combination of financial, operational, and industry expertise to deliver insights that go beyond numbers. All engagements are carried out with professional independence, confidentiality, and full adherence to RBI guidelines and ICAI’s Code of Ethics, helping institutions maintain asset quality and strengthen risk management frameworks.