Overview

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Develop the ability to analyze secured lending structures, evaluate credit monitoring systems, interpret NPA classification norms, and assess recovery and restructuring frameworks in banking. This course provides a comprehensive understanding of credit portfolio management from charge creation to debt restructuring. Learners will explore legal modes of creating security interests, drawing power calculation, early warning signals, income recognition standards, asset classification norms, provisioning requirements, and regulatory guidelines on preventing NPA slippage. The course also examines recovery strategies including compromise settlements, Lok Adalat, DRT mechanisms, rehabilitation of sick units, and Corporate Debt Restructuring (CDR). What makes this course unique is its structured progression from preventive credit supervision to advanced recovery and restructuring strategies, aligned with regulatory prudential norms. By completing this course, learners will strengthen their expertise in banking risk management, regulatory compliance, and stressed asset resolution—essential competencies for professionals in banking, finance, and credit administration.

Syllabus

Legal Foundations and Credit Monitoring

This module examines the legal creation of charge over securities and the supervisory framework governing credit accounts. It introduces the different modes of securing advances, including hypothecation, pledge, and mortgage, and explains their legal implications. The module further explores post-sanction credit monitoring mechanisms such as stock inspection, drawing power calculation, credit review, and early warning signals. Learners gain a structured understanding of how banks protect their exposure and proactively manage credit risk through systematic supervision and operational control.

NPA Recognition and Regulatory Asset Framework

This module focuses on the regulatory framework governing non-performing assets (NPAs), income recognition, and asset classification under prudential norms. It explains how banks classify assets into standard, substandard, doubtful, and loss categories and the provisioning requirements applicable to each. The module also covers Special Mention Accounts (SMA) and strategies to prevent slippage of performing accounts into NPAs. Learners develop a comprehensive understanding of regulatory compliance, risk assessment, and financial stability in credit portfolio management.

Recovery, Rehabilitation and Debt Restructuring

This module explores recovery strategies, legal mechanisms, rehabilitation processes, and debt restructuring frameworks in banking. It examines non-legal and legal recovery channels, including compromise settlements, Lok Adalat, and Debt Recovery Tribunals (DRT). The module also discusses restructuring principles, prudential norms for restructured accounts, and the Corporate Debt Restructuring (CDR) framework. Learners gain insights into balancing recovery efficiency with regulatory compliance while managing stressed assets within a credit portfolio.