Loan Restructuring For Msme, Individuals & Small Businesses

Crash Course for Bankers, Consultants & Borrowers to understand loan restructuring under Resolution Framework 2.0

What you'll learn
Restructuring package provided by RBI under Resolution Framework 2.0
What is Loan Restructuring?
Which Borrowers are eligible for restrucuring?
Which Borrowers are not eligible for restructuring?
Advantages & Disadvantages of Loan Restructuring
How long the moratorium or extension of tenor can be given?
Invocation of Resolution Process
Permitted features & Implementation
Requirements
Basic knowledge of Banking
Basic knowledge of Loans and Advances
Description
We all are going through the toughest time - reason -Covid 19. One of the biggest side effects of this pandemic is economic fallout. It has resulted in severe economic hardship for millions of people. People suffered significantly under the first wave. As a temporary measure, the RBI had allowed banks to grant a moratorium for six months’ EMIs, which ended on 31st August 2020. So, to help the borrowers impacted by Covid-19, the RBI had announced guidelines for devising a policy for granting relief to those borrowers on August 6, 2020, under the name “Resolution Framework for COVID-19-related Stress” (“Resolution Framework – 1.0”).But Covid 19 wave didn’t end. It came back on a bigger scale in 2021 - termed as the second wave and it had resulted in lockdowns in several parts of the country. This has once again caused increased financial distress for all.So, in order to support borrowers who are currently reeling under the monetary impact, the Reserve Bank of India (RBI) on May 5, 2021, came out with a second resolution framework titled “Resolution Framework 2.0 for Individuals and Small Businesses” and another “Resolution Framework 2.0 for Micro, Small and Medium Enterprises”By enrolling in this course, you will learn, Resolution Framework 2.0 for Individuals and Small Businesses and MSME coveringa) Introductionb) Loan Restructuringc) Eligibility - Individual & Small Business Borrowersd) Period of Moratorium / Extention of Tenore) Invocation of Resolution Processf) Permitted features & implementationg) Asset classification and provisioningh) Working capital support for small businesses where resolution plans were implemented previously i) Disclosures and Credit Reportingf) Case Studiesg) MSME Loan Restructuringh) Working Capital Term Loani) Funded Interest Term LoanThis course is structured in a self-paced learning style. Requesting you to use your headphones for a better learning experience. Also, keep a notepad & pen alongside to take keynotes.See you inside the course!

Overview

Section 1: Introduction

Lecture 1 Introduction

Section 2: Loan Restructuring

Lecture 2 What is Loan Restructuring?

Lecture 3 Advantages & Disadvantages of Loan Restructuring

Section 3: Eligibility - Individual & Small Business Borrowers

Lecture 4 Which Individual & Small Business borrowers are eligible under 2.0?

Lecture 5 What is Farm Credit?

Section 4: Period of Moratorium / Extention of Tenor

Lecture 6 What is Loan Moratorium? Will it affect Credit Status?

Lecture 7 How long the moratorium or extension of tenor can be given?

Section 5: Invocation of Resolution Process

Lecture 8 Invocation of Resolution Process

Section 6: Case Studies

Lecture 9 Case 1 - Whether NPA account can be restructured?

Lecture 10 Case 2 - Effect of Interest on restructured account

Lecture 11 Case 3 - Account with EMI Overdue - Eligible for restructuring?

Lecture 12 Case 4 - Date of Invocation

Lecture 13 Case 5 - Whether Corporates are eligible for resolution under this scheme?

Lecture 14 Case 6 - Whether reschedulement decision of one bank affects another bank?

Lecture 15 6 Months Moratorium Case Study - Part 1

Lecture 16 6 Months Moratorium Case Study - Part 2

Lecture 17 12 Months Moratorium Case Study

Lecture 18 24 Months Moratorium Case Study

Lecture 19 12 Months Moratorium + 12 Months Tenor Extension Case Study

Section 7: Permitted features & implementation

Lecture 20 Permitted features & implementation

Section 8: Asset Classification & Provisioning

Lecture 21 Asset Classification & Provisioning

Section 9: Miscellaneous

Lecture 22 "Working capital support for small businesses where resolution plans implemented

Lecture 23 Disclosures and Credit Reporting

Section 10: MSME Loan Restructuring

Lecture 24 MSME Loan Restructuring

Lecture 25 Working Capital Term Loan

Lecture 26 Funded Interest Term Loan

Bank Executives,Finance Consultants,Chartered Accountants,Bank Consultants,Entrepreneurs,Banking Students,JAIIB / CAIIB Students,CCP Students

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