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Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q134: 'TechNova Solutions', an MSME, is facing financial stress. The promoters want to resolve the debt but wish to retain management control to preserve business continuity. Which mechanism under IBC is most suitable for them?

A
Corporate Insolvency Resolution Process (CIRP) under Section 7.
B
Pre-Packaged Insolvency Resolution Process (PPIRP).
C
Voluntary Liquidation under Section 59.
D
Fast Track CIRP under Section 55.
✅ Correct Answer: B
Suitability: PPIRP (Pre-Pack) is the ideal mechanism for this scenario.
Key Feature: Unlike CIRP, which is "Creditor-in-Control", PPIRP is a "Debtor-in-Possession" model.
The existing promoters continue to manage the company while a resolution plan is negotiated with creditors.
Eligibility: It is available only for MSMEs like TechNova.
Efficiency: It is faster and less disruptive to the business than standard CIRP.