{"id":1765,"date":"2019-06-08T16:06:25","date_gmt":"2019-06-08T10:36:25","guid":{"rendered":"https:\/\/www.classiciasacademy.com\/blog\/?p=1765"},"modified":"2019-06-08T16:06:28","modified_gmt":"2019-06-08T10:36:28","slug":"debt-resolution-norms-eased","status":"publish","type":"post","link":"https:\/\/www.classiciasacademy.com\/blog\/debt-resolution-norms-eased\/","title":{"rendered":"Debt Resolution Norms Eased"},"content":{"rendered":"\n<p>The <a rel=\"noreferrer noopener\" aria-label=\"Reserve Bank of India (opens in a new tab)\" href=\"https:\/\/www.classiciasacademy.com\/blog\/tag\/rbi\/\" target=\"_blank\"><strong>Reserve Bank of India<\/strong><\/a> (RBI) had released a new set of norms on stressed asset resolution that will ease the controversial circular passed by the RBI in February 2018. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">In-Detail <\/h3>\n\n\n\n<ul><li>As per the circular of February 12, 2018, the RBI had made it mandatory for the lenders to start NPA resolution proceedings if there is a single day default. <\/li><li>The circular was declared as unconstitutional by the Supreme Court two months ago. <\/li><li>Now, the RBI with its new norms has increased the resolution proceedings time from 1 day to 1 month. <\/li><li>That is, the defaults should be recognised and reviewed within <strong>30 days<\/strong>. <\/li><li>This period is thus termed as <strong>\u201creview period\u201d<\/strong>.<\/li><li>During this period, the lenders can decide on a strategy for a resolution that includes a resolution plan (RP), approach for implementing the plan etc. <\/li><li>The new norms also allow lenders to initiate legal proceedings for insolvency or recovery. <\/li><li>The norms call for lenders to enter into an Inter-Creditor Agreement (ICA) within the review period in case the RP is to be implemented.<\/li><li>The ICA provides that any decision taken by 75% of the lenders by the value of total outstanding and 60% of lenders by number.\u00a0 <\/li><li>RP is to be implemented within 180 days after the review period. <\/li><li>The review period norm will come into effect immediately for loans over Rs. 2000 crore and from January 1, 2020, for loans between Rs. 1500 crore and Rs. 2000 crore. <\/li><li>Banks have also been disincentivized in case the RP is not implemented within 180 days. <\/li><li>They need to make additional provisioning of 20% and further 15% if RP is not implemented within 365 days. <\/li><li>The additional provisioning will be reversed when the case is pursued through Insolvency and Bankruptcy Code (IBC). <\/li><li>Half of the provisioning will be reversed upon filing for insolvency application and the additional provisioning will be reversed when the case is admitted for insolvency proceedings. <\/li><li>The new norms are applicable to commercial banks, non-banking financial companies, small finance banks, and other financial institutions. <\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Also, read<\/strong>:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.classiciasacademy.com\/blog\/unicef-study-on-swachh-bharat-abhiyan\/\"><em><strong>UNICEF Study On Swachh Bharat Abhiyan<\/strong><\/em><\/a><\/li><li><a href=\"https:\/\/www.classiciasacademy.com\/blog\/kerala-again-under-the-grip-of-nipah-virus\/\"><em><strong>Kerala Again Under The Grip of Nipah Virus<\/strong><\/em><\/a><\/li><li><a href=\"https:\/\/www.classiciasacademy.com\/blog\/nilekani-panel-recommendations-for-boosting-digital-payments\/\"><em><strong>Nilekani Panel Recommendations For Boosting Digital Payments<\/strong><\/em><\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion <\/h3>\n\n\n\n<ul><li>Resolution of NPAs has become a major problem\nfor the Indian finance sector. <\/li><li>Unlike the previous norms, that did not give\ntime for lenders to prepare a strategy, the new norms are set to be a breather\nfor both lenders and borrowers. <\/li><li> Timely resolution of NPAs is the need of the hour for Indian banks to get back to lending ways and help boost the economy. <\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Reserve Bank of India (RBI) had released a new set of norms on stressed asset resolution that will ease the controversial circular passed by the RBI in February 2018. <\/p>\n<\/div>","protected":false},"author":1,"featured_media":1020,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[98],"tags":[117,146,162],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - 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