IBC Framework Ki Band Baj Gayi! Recovery Rates Gire **23%** Tak, Investors Pareshaan

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AuthorVihaan Mehta|Published at:
IBC Framework Ki Band Baj Gayi! Recovery Rates Gire **23%** Tak, Investors Pareshaan
Overview

Yaar, India ka insolvency wala system, jo **10 saal** purana ho gaya hai, ab performance mein girta dikh raha hai. Recovery rates **23%** tak jaa giri FY26 mein. Courts mein cases ka bhandaar aur delays ke karan lenders ko bada loss ho raha hai. NCLT mein sirf **225 cases** solve hue hain, system pressure mein hai.

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Resolution Ka Funda Hi Bigad Gaya

Insolvency and Bankruptcy Code (IBC) ko May 2026 mein 10 saal ho gaye, par ab lenders ko paisa milne mein badi dikkat aa rahi hai. FY26 mein, admitted claims par recovery sirf 23% rahi, jo pichle saal ke 46% se aadha hai! FY26 ke second half mein toh haalat aur kharab hui, recovery sirf 22% reh gayi, jabki FY25 ke last half mein ye 63% thi. Ye system ki inefficiency dikha raha hai.

Courts Aur Delays Ka Chakkar

Recovery girne ka ek bada reason hai National Company Law Tribunal (NCLT) par overload. Cases solve hone mein average 744 din lag rahe hain, jo ki 330 din ke rule se bahut zyada hai. March 2026 tak, 78% se zyada insolvency cases 270 din se latke hue hain. Is delay ki wajah se companies ki value kam ho jati hai aur liquidation hi ek option bachta hai. Courts mein judges ki kami aur leadership ki problems ke karan abhi 380 se zyada resolution plans ready hain par sign-off ka wait kar rahe hain.

Liquidation Hi Best Option?

Ab insolvency cases mein revival se zyada liquidation ho raha hai. 2016 se ab tak 33% cases liquidation mein end hue hain. Bade cases jismein claims ₹1,000 crore se upar hain, wohi recovery karwa rahe hain. FY26 mein 95% recovery in bade cases se aayi, par ye total approved resolution plans ka sirf 8% tha. Iska matlab hai ki chote aur medium size ke distressed businesses solve nahi ho pa rahe.

Aage Kya Hoga?

IBC mein April 2026 mein jo amendment hua hai, usse evidence ka process thoda fast ho sakta hai. Lekin experts ka kehna hai ki jab tak courts ki capacity nahi badhti aur cases jaldi solve nahi hote, tab tak lenders cautious rahenge. Agar 744 din ka average time kam nahi hua, toh log IBC ke bajaye restructuring ya dusre tareeke choose karna pasand karenge.

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Disclaimer:This content is for educational and informational purposes only and does not constitute investment, financial, or trading advice, nor a recommendation to buy or sell any securities. Readers should consult a SEBI-registered advisor before making investment decisions, as markets involve risk and past performance does not guarantee future results. The publisher and authors accept no liability for any losses. Some content may be AI-generated and may contain errors; accuracy and completeness are not guaranteed. Views expressed do not reflect the publication’s editorial stance.