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

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Restructuring guidelines • On August 27, 2008, comprehensive guidelines on Restructuring issued. Current guidelines on restructuring have been consolidated vide Master Circular – Income recognition and asset classification norms – July 1, 2012. • The current circular harmonizes prudential norms across all categories of restructuring i.e corporate, retail, SME, infrastructure. Reserve bank of India, Ranchi
General Principles (a) Banks may restructure Accounts classified as Standard/Sub‐standard/Doubtful. Loss Assets cannot be restructured. (b) restructuring/rescheduling retrospectively is not allowed. (c) Asset classification status on date of approval, relevant for deciding a.c. after restructuring (d) Formal consent/application of debtor Reserve bank of India, Ranchi
Page 1 and 2: Praveen Ranjan AGM RBI, Ranchi Rese
Page 3: Asset classification ‐ MSME Stand
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 and 18: Liberalisation of rehabilitation of
Page 19 and 20: Important Points • Rehabilitation
Page 21: Thank You Reserve bank of India, Ra

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

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