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Synopsis
Gross retail NPAs have steadily been on the rise and with FY21 numbers breaching the five-year average by a huge margin, regulatory forbearance may be the only way out for banks amid the pandemic. Given a two-year restructuring window, banks are confident that regularising retail portfolios may not be a difficult task.
The Reserve Bank of India (RBI) rolled out a slew of measures last week to help small borrowers tide through the second wave of the pandemic. In a circular dated May 5, the banking regulator said individuals and small businesses with loan exposure of less than INR25 crore and did not opt for the restructuring last year can do so now if the monthly instalments are paid till the end of FY21. Borrowers in this category who had recast their loans
( Originally published on May 10, 2021 )
BY
Hamsini Karthik
8 mins read, Last Updated:
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