For banks and financial institutions
Enforcement support for banks and financial institutions — empanelled by 31 lenders, each through its own due diligence.
Support for authorised officers enforcing security interest under the SARFAESI Act, on the lender's mandate and on record. The group's enforcement work for lenders goes back to 2004, when KC Agency began.
Empanelled by 31 lenders — public, private, co-operative and non-bank
Kenstone Capital Debt Consulting Private Limited — CIN U67200KA2019PTC124970
Mandates by reference — most come from one lender to another
Who has empanelled us
Kenstone Capital is empanelled with 31 banks and financial institutions, each through the lender's own empanelment and due-diligence process under the Reserve Bank of India's guidelines.
Public sector banks 9
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Indian Overseas Bank
Punjab National Bank
UCO Bank
Union Bank of India
Private sector banks 7
Axis Bank
Federal Bank
HDFC Bank
ICICI Bank
Karnataka Bank
Karur Vysya Bank
Kotak Mahindra Bank
Non-banking finance companies 5
Bajaj Finance
CNH Industrial Capital
HDB Financial Services
Motilal Oswal Finance
Tyger Capital
Housing finance companies 4
Can Fin Homes
GIC Housing Finance
ICICI Home Finance
PNB Housing Finance
Co-operative banks and societies 4
The MCC Bank
Puttur Town Co-operative Bank- St Milagres Co-operative Society
Vishwakarma Sahakara Bank
Regional rural bank 1
Karnataka Grameena Bank
Asset reconstruction company 1
Asset Reconstruction Company (India) Limited
Empanelment letters are available to a lender's due-diligence team on request. Empanelment is each lender's own process; it is not a licence, and Kenstone Capital is not "RBI-approved".
What we do on a mandate
When a secured loan becomes a non-performing asset, the capital behind it stays locked. We support the lender's authorised officer through enforcement of security interest under the SARFAESI Act, run as a structured, documented process.
Enforcement coordination
Each step of the enforcement process tracked for the authorised officer, with an owner and a next date, so nothing drifts.
Possession-related processes
Support to the authorised officer in possession-related processes. Possession and sale are carried out by the lender's authorised officer.
Asset readiness
The groundwork that lets the lender take a secured asset to sale, done to the lender's instructions.
Reporting on record
Every action documented and reported to the lender, in the lender's format.
Step by step, from the demand notice to the sale: SARFAESI enforcement services for banks and NBFCs.
How we work with lenders
- The lender's authorised officer decides every step. We act only within the mandate.
- Our conduct follows the lender's own policies and the Reserve Bank of India guidelines that apply to the lender.
- Kenstone Capital is not a law firm. Legal work is done by advocates the lender appoints.
- Each lender's mandate terms govern the work, not our terms for business clients.
Questions lenders ask us
Is Kenstone Capital RBI-approved?
No. Empanelment is not a licence from the Reserve Bank of India. Each bank or financial institution empanels agencies through its own due-diligence process under the Reserve Bank of India's guidelines on outsourcing and recovery agents. Kenstone Capital has been empanelled this way by 31 lenders.
Which lenders have empanelled Kenstone Capital?
31 banks and financial institutions. Public sector banks: Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Indian Overseas Bank, Punjab National Bank, UCO Bank and Union Bank of India. Private sector banks: Axis Bank, Federal Bank, HDFC Bank, ICICI Bank, Karnataka Bank, Karur Vysya Bank and Kotak Mahindra Bank. Non-banking finance companies: Bajaj Finance, CNH Industrial Capital, HDB Financial Services, Motilal Oswal Finance and Tyger Capital. Housing finance companies: Can Fin Homes, GIC Housing Finance, ICICI Home Finance and PNB Housing Finance. Co-operative banks and societies: The MCC Bank, Puttur Town Co-operative Bank, St Milagres Co-operative Society and Vishwakarma Sahakara Bank. Also Karnataka Grameena Bank, a regional rural bank, and Asset Reconstruction Company (India) Limited. Empanelment letters are available to a lender's due-diligence team on request.
Does Kenstone Capital take possession of secured assets?
Kenstone Capital supports the lender's authorised officer in possession-related processes under the SARFAESI Act. Possession and sale are carried out by the authorised officer, and Kenstone Capital acts only within the lender's mandate.
The full process: SARFAESI enforcement, from demand notice to sale. For business receivables, see B2B debt collection agency in India. About the firm: About Kenstone Capital · Team.
Discuss an institutional mandate
Tell us where you are on the curve. A practitioner — not a sales desk — reads every enquiry and replies within one working day.