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Banking Exam Question - What are the NRB Directives (2074) about Provision Regarding Regeneration and Restructuring of Loan? Explain






Introduction - Regeneration and Restructuring of Loan
(1) Written by the lender written written in the scheme, the licensed entity can be reorganized or rebuilt if the licensed entity is convinced. Loan clearance or rebuilding loans will be included in each loan file:

  • Certificate of Credit and Surveillance,
  • Reasons for relying on recycled or rebuilding loans are the principles established by the licensed entity, and
  • In addition to submitting written written plans to reorganize or rebuild loans, such amount has been made at least 25 percent interest interest in the remaining interest in the interest earned on the basis of recycling or rebuilding.

(2) Government of Nepal will resume minimum minimum 25% loan due to the rehabilitation of sick industries published in the Nepal Gazette and for the proper exit of this bank due to the facility related to the financial sector, 2070 (procedure -2.1) The arrangement will be made. 
(3) Details of categories classified as sub-section (1) and (2) will be prepared separately.

Note: 8 "Recycling" for this purpose means that the customer should remember the process of time-consuming and the time spent. 8 "rebuilding" means the change in the nature or condition of the loan facility, the addition of the restrictions, or the timely manipulation of the facility.

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