Latest Provisioning Vs Accelerated Provisioning Friends, Please don't get confused with Accelerated

Latest Provisioning Vs Accelerated Provisioning Friends, Please don't get confused with Accelerated Provisioning to the latest provisioning norms What is Accelerated Provisioning? Refer : RBI/2015-16/101, DBR.No.BP.BC.2/21.04.048/2015-16 dated 01.07.2015 As a measure to ensure adherence to the proposals made in RBI guidelines as also to impose disincentives on borrowers for not maintaining credit discipline, accelerated provisioning norms are being introduced. In cases where banks fail to report SMA status of the accounts to CRILC or resort to methods with the intent to conceal the actual status of the accounts or evergreen the account, banks will be subjected to accelerated provisioning for these accounts and/or other supervisory actions as deemed appropriate by RBI. In all other cases, the existing provisioning norms will only apply. Sub-Standard (Secured) - 15% Sub-Standard (Unsecured) - 25% (other than infrastructure loans) Sub-Standard (Unsecured) - 20% (infrastructure loans) Doubtful-I (Secured) - 25% Doubtful-I (Unsecured) - 100% Doubtful-II (Secured) - 40% Doubtful-II (Unsecured) - 100% Doubtful-III (Secured) - 100% Doubtful-III (Unsecured) - 100% Loss - 100% Accelerated Provisioning (only applicable if banks fail to report SMA status of the accounts to CRILC or resort to methods with the intent to conceal the actual status of the accounts or evergreen the account) Sub-Standard (Secured-upto 6 months) - 15% Sub-Standard (Secured-6 months to 1 year) - 25% Sub-Standard (Unsecured-upto 6 months) - 25% Sub-Standard (Unsecured-6 months to 1 year) - 40% Doubtful-I (Secured) - 40% Doubtful-I (Unsecured) - 100% Doubtful-II (Secured) - 100% Doubtful-II (Unsecured) - 100% Doubtful-III (Secured) - 100% Doubtful-III (Unsecured) - 100% Loss - 100%

 

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