Steady guidance for difficult loan situations
PKS India Consultancy is a borrower-support consultancy based in Kolkata. We help individuals understand loan pressure, organize documents, respond properly, and move — step by step — toward resolution.
How we work
Process over panic
Loan stress arrives as a pile: calls, notices, statements that don't add up, deadlines that seem to contradict each other. Our job is to turn that pile into a sequence — understand the situation, document it, respond properly, and resolve what can be resolved.
Every engagement starts with a free, confidential conversation. If we can't help, we'll say so. If we can, you'll know the commercial structure — what is charged, when, and the instalment schedule — in writing before any structured work begins.
Understanding before action
No strategy is drafted from a phone call alone. Statements, notices and the actual chronology come first.
Everything in writing
Fees, scope, next steps and decisions are written down. If it isn't in the file, it didn't happen.
No theatre
We don't shout at lenders, impersonate officials, or promise waivers. Calm, factual communication holds up better.
You stay informed
Your portal shows status, documents, installments and receipts. You should never have to ask 'what's happening?'
The people behind the work
A team, not a call centre.
PKS is a working office, not a queue. Consultants, case managers and documentation staff sit together in Kolkata, so a question about your file is answered by someone who can open it — not read from a script.
Every case keeps a named contact and one written history. What is said on a call, what is filed, and what changes in the portal are the same record, in the same place.
Kolkata office
Consultations are by appointment, so every conversation gets full attention.
Talk to the teamThe process
Understand → Document → Respond → Resolve
The same eight steps apply to recovery calls and to tribunal notices alike. What changes is how much weight each step carries in your case.
- 01
Consultation
We understand your problem, loan details, lender and immediate concerns.
- 02
Document Review
We review agreements, statements, notices and correspondence in an organized manner.
- 03
Case Assessment
We identify outstanding amounts, disputes, recovery pressure and key deadlines.
- 04
Strategy & Guidance
We develop a practical action plan tailored to your situation.
- 05
Grievance & Communication Support
Support with bank/NBFC communication, complaints and escalations.
- 06
Settlement / Resolution Support
Assistance with restructuring, OTS, compromise or settlement discussions where applicable.
- 07
Tracking & Follow-up
We track responses, approvals and necessary next steps.
- 08
Legal Escalation If Required
If legal intervention is required, we coordinate with an appropriate legal professional separately.