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The case discusses the issues faced and strategies adopted by a public sector Indian commercial bank in recovery of bad and doubtful loans. The case highlights the dilemma of a branch manager of a scheduled commercial bank in light of Government regulations. The case attempts to provide an insight into the strategies needed for a public sector bank for recovery of the bad loans and at the same time increase the sales/advances. The case is structured to enable students to understand the challenges faced by Indian commercial banks in the liberalised economic scenario for sustenance. It also provides a practical exposure to the students for analysing the risk management strategies of the bank. This case will be useful for B-School students who are pursuing their post graduation in the area of banking and finance. With this case, students will understand the concepts of risk management, BASEL accord, the SARFAESI Act, CAMELS RATING, etc.