Banking Exam Question - What are the Directives of NRB about Conditions for Classification of Debt / Lendings under Watch List? Clarify

Introduction - Reason of classification of Loan under the Watch List

Banks and financial institutions have to provide micro-monitoring or monitoring arrangements under the micro surveillance of micro-surveillance of such loan / sapphire if there is any confusion or condition of debt in debt / money as active debt as per the directive.

1. loan without bankruptcy during the period specified in the period of interest or interest, for more than 1 month.
2. Short term or capital debt, without renewal, is temporarily paying the payment period.
3. Flow less loan to any lender or financial institution that is classified as ineffective debt.
4. Regardless of payment of payday and interest regularly, for two consecutive years, for the last two years, or short-term or operational debt flowing to the firm, company or entity, which is negative in net worth. However, in the case of construction of projects under the construction under the construction, the project will only apply after the project starts commercial production.
5. This A.D. Instructions No. According to 33, multi-banking loans which have not resulted in co-financing debt.
6. The loan directed by this bank to monitor the cash flows and the maintenance of the project on the basis of the weakness of the project while examining.