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f¡a¡-03a) Time limit for rescheduling Continuous Loan:The loan account in which transactions may be made within certain limit and have an expiry date for fulladjustment will be treated as Continuous Loan:FrequencyFirstReschedulingSecondReschedulingThirdReschedulingClassified asSub-standardMaximum 12 (twelve)months from the date ofbeing classified as SubstandardMaximum 9(nine) monthsfrom the expiry date of 1strescheduling.Maximum 6(six) monthsfrom the expiry date of 2ndrescheduling.Classified asDoubtfulMaximum 9 (nine) monthsfrom the date of beingclassified as DoubtfulMaximum 6(six) monthsfrom the expiry date of 1strescheduling.Maximum 3(three) monthsfrom the expiry date of 2ndrescheduling.Classified asBad/LossMaximum 6 (six) monthsfrom the date of beingclassified as Bad/LossMaximum 3(three) monthsfrom the expiry date of 1strescheduling.Maximum 3(three) monthsfrom the expiry date of 2ndrescheduling.Conditions: During the rescheduled period all required principal and interest payments must be made.Rescheduled amount should be repaid in monthly installments. If the amount of defaulted installmentsis equal to the amount of 3(monthly) installments, the loan will be classified as Bad/Loss.b) Time limit for rescheduling Demand Loan:The loan which becomes repayable on demand by the bank is treated as Demand Loan. If any contingent orany other liabilities are turned to forced loan (i.e. without any prior approval asregular loan) those too will be treated as Demand LoansFrequencyFirstReschedulingSecondReschedulingThirdReschedulingClassified asSub-standardMaximum 9 (nine) monthsfrom the date of beingclassified as Sub-standardMaximum 6(six) months fromthe expiry date of 1streschedulingMaximum 3(three) monthsfrom the expiry date of 2ndrescheduling.Classified asDoubtfulMaximum 6 (six) monthsfrom the date of beingclassified as DoubtfulMaximum 3(three)months from the expirydate of 1st rescheduling.Maximum 3(three)months from the expirydate of 2nd rescheduling.Classified asBad/LossMaximum3(three)monthsfrom the date of beingclassified as Bad/LossMaximum 3(three)months from the expirydate of 1st rescheduling.Maximum 3(three)months from the expirydate of 2nd rescheduling.Conditions: During the rescheduled period all required principal and interest payments must be made.Rescheduled amount should be repaid in monthly installments. If the amount of defaulted installmentsis equal to the amount of 3(monthly) installments, the loan will be classified as Bad/Loss.c) Time limit for rescheduling Fixed Term Loan:The loan which is repayable within a specified time period under a prescribed repayment schedule istreated as Term Loan.Frequency Classified asClassified asClassified asFirstReschedulingSecondReschedulingThirdReschedulingSub-standardNot exceeding 18 (eighteen)months from the expiry date ofthe loan as mentioned in thesanction letter.Maximum 12 (twelve) monthsfrom the expiry date of 1strescheduling.Maximum 9(nine) monthsfrom the expiry date of 2ndrescheduling.DoubtfulMaximum 12 (twelve)months from the expirydate of the loan asmentioned in the sanctionletter.Maximum 9(nine) monthsfrom the expiry date of1st rescheduling.Maximum 6(six) monthsfrom the expiry date of2nd rescheduling.Bad/LossMaximum 9(nine)months from the expirydate of the loan asmentioned in thesanction letter.Maximum 6(six)months from the expirydate of 1strescheduling.Maximum 3(three)months from the expirydate of 2ndrescheduling.Qmj¡e f¡a¡-04