Banking Exam Question - What are the NRB Directives (2074) about Provision of Additional Law Regarding Bad Loan? Explain

Introduction - Additional arrangements for bad loan

In view of any reason for the delay in the debt or unpaid debt, such loans and expenditure will have to be categorized into the deduction of credit and the credit of such payment will be promptly forwarded:

(A) If the debtor is paid for a flat or a flat, (B) In debt or loss,

(C) In case of misuse of debt,

(D) If the project / business does not run, not in the project or business operation,

(E) If the certificate, bail and other possible liabilities are not incomplete until the ninety days, as the loan is converted into debt based on funds as a loan loan,

(F) In the case of a court proceeding in the court for the 180 days after the commencement of auctioning process that could not be settled in debt,

(G) In providing the loan to the debtor maintained in the blacklist of loan information center,

(H) If the market value of the security can not be protected from the debt,

(I) If the billing date of the purchased bids or purchased bills is not consistent with the ninety days,

(J) In case of any person / firm / company's name in the name of the other person / firm / company, but the company / company firm in the same group will not be able to maintain the total limit,

(K) If any other new loan is not specified while opening the certificate for the purposes of the payment of T.R. Trust Receipt Loan.

(L) If the credit card is not incomplete within a day after the date of debt breaks.

(M) In ​​case of the lender offering different financial details of the same date or period.