To recover a non-performing asset, the AMC initiates a process, often legal, by which a part or the whole of the value of the asset can be recouped through seizure and liquidation of its collateral and/or through sale of other assets in possession of the borrower. The effective functioning of this process are largely depends on the existing legal frameworks and procedures, the perceived working of which often will have a significant influence on market valuation of asset and assets in general (the Artho Rin Adalat Act has better provision for such a legal actions). To restructure a non-performing asset.