Praveen Ranjan AGM RBI, Ranchi - Department of Industry ...

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Discretionary concessions • Waiver of interest dues on cash credit and term loans • Reduction of interest – below base rate allowed • Funding of interest due to bank for some time • Concessional interest on working capital • Contingency loan assistance • Funding for start up expenses and margin for working capital • 50% of promoters contribution to be brought upfront and rest within one year Reserve bank of India, Ranchi
Important Points • Rehabilitation/restructuring not a matter of right • Banks to exercise their commercial judgement • Banks to consider viabilty of units • Sacrifices to be decided by banks as per their commercial il judgement. • If not found viable –exit routes through SARFAESI Reserve bank of India, Ranchi
Page 1 and 2: Praveen Ranjan AGM RBI, Ranchi Rese
Page 3 and 4: Asset classification ‐ MSME Stand
Page 5 and 6: General Principles (a) Banks may re
Page 7 and 8: Asset Classification upon restructu
Page 9 and 10: Provisioning Norms (a) Restructured
Page 11 and 12: • Repayment period, including mor
Page 13 and 14: Rehabilitation of Sick Units • Re
Page 15 and 16: c) Failure to make timely payment o
Page 17: Liberalisation of rehabilitation of
Page 21: Thank You Reserve bank of India, Ra

Praveen Ranjan AGM RBI, Ranchi - Department of Industry ...

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