Beruflich Dokumente
Kultur Dokumente
Any amount due to the Bank under any credit facility, if not
paid by the due date fixed by the bank, becomes overdue.
OUT OF ORDER:
Temporary
Deficiencies:
Special Purpose
Agricultural Loans in areas
Advances:
- suffering from Natural Calamities,
Loans against FDs / IVPs / KVPs / Life Policies are not treated
as NPA if adequate margin is available.
Project Loans:
1)
2)
1)
2)
Restructuring of
Advances:
Three Stages: a)
b)
c)
Restructuring of
Advances: Standard Asset
restructuring
to
be
classified
as
Substandard
upon
Sub-standard
Particulars
Provisio
n
Require
d%
0.25
1.00
0.40
Secured Exposure
15
20
25
13
Loss
Particulars
Provision
Required %
Secured
Unsecure
d
D1 (Upto 1 year)
25
100
D2 (One to Three
years)
40
100
D3 (More than 3
years)
100
100
Loss Asset
100
14
BORROWER-SIDE
BANKER SIDE
Lack of Planning
Diversion of Funds
Disputes within
No contribution
No modernization
Improper monitoring
Industrial Relations
Natural Calamities
Defective Sanction
No post-sanction
supervision, etc
Delay in releases
Directed lending
Slow decision
making process
17
18
19
20
DEBT RECOVERY
TRIBUNALS
(DRT):
33 Debt Recovery
Tribunal
Appellate Tribunal
SARFAESI Act:
23
CDR Mechanism:
24