कोई बता रहा था कि substandard के केस में अलग अलग नही निकालते है secured व unsecured । अगर सिक्योरिटी 10% से ज्यादा है तो पूरा लोन सिक्योर्ड माना जायेगा अगर 10% से कम तो unsecured। कंफ्यूजन क्रिएट हो गया
As per RBI Guidelines 2022: 5.4 Substandard assets 5.4.1 A general provision of 15 percent on total outstanding should be made without making any allowance for ECGC guarantee cover and securities available. 5.4.2 The ‘unsecured exposures’ which are identified as ‘substandard’ would attract additional provision of 10 per cent, i.e., a total of 25 per cent on the outstanding balance. However, in view of certain safeguards such as escrow accounts available in respect of infrastructure lending, infrastructure loan accounts which are classified as sub-standard will attract a provisioning of 20 per cent instead of the aforesaid prescription of 25 per cent. To avail of this benefit of lower provisioning, the banks should have in place an appropriate mechanism to escrow the cash flows and also have a clear and legal first claim on these cash flows.
Very informative
Thank You ❤
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11 & 12
Yesterday
कोई बता रहा था कि substandard के केस में अलग अलग नही निकालते है secured व unsecured । अगर सिक्योरिटी 10% से ज्यादा है तो पूरा लोन सिक्योर्ड माना जायेगा अगर 10% से कम तो unsecured।
कंफ्यूजन क्रिएट हो गया
As per RBI Guidelines 2022: 5.4 Substandard assets
5.4.1 A general provision of 15 percent on total outstanding should be made without making any
allowance for ECGC guarantee cover and securities available.
5.4.2 The ‘unsecured exposures’ which are identified as ‘substandard’ would attract additional
provision of 10 per cent, i.e., a total of 25 per cent on the outstanding balance. However, in view
of certain safeguards such as escrow accounts available in respect of infrastructure lending,
infrastructure loan accounts which are classified as sub-standard will attract a provisioning of 20
per cent instead of the aforesaid prescription of 25 per cent. To avail of this benefit of lower
provisioning, the banks should have in place an appropriate mechanism to escrow the cash flows
and also have a clear and legal first claim on these cash flows.
@vikasdwivedi350 mein v confuse hu...aapko pta chala kia kounsa mtd follow krna h