dmpq-Discuss the measure Government of India has taken to deal with the problem of Non performing Aseets (NPAs).

. NPAs story is not new in India and there have been several steps taken by the GOI on legal, financial, policy level reforms.

Corporate Debt Restructuring

2005 It is for reducing the burden of the debts on the company by decreasing the rates paid and increasing the time the company has to pay the obligation back.

5:25 rule

2014 Also known as, Flexible Structuring of Long Term Project Loans to Infrastructure and Core Industries. It was proposed to maintain the cash flow of such companies since the project timeline is long and they do not get the money back into their books for a long time, therefore, the requirement of loans at every 5-7 years and thus refinancing for long term projects.

Joint Lenders Forum

2014 It was created by the inclusion of all PSBs whose loans have become stressed. It is present so as to avoid loan to the same individual or company from different banks. It is formulated to prevent the instances where one person takes a loan from one bank to give a loan of the other bank.

Mission Indradhanush – 2015

The Indradhanush framework for transforming the PSBs represents the most comprehensive reform effort undertaken since banking nationalization in the year 1970 to revamp the Public Sector Banks (PSBs) and improve their overall performance by ABCDEFG (Appointment, bank board bureau Destressing PSB’s, Capitalization, Empowerment, Framework of Accountability, Governance reforms in PSB’s).

 

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