CapitalStars Financial Research Pvt Ltd

CapitalStars

CapitalStars Financial Research Private Limited is an advisory company incepted with a vision of providing fair and accurate trading and investment calls in share and commodity market.we specialize in thorough fundamental and technical research analysis in equity and commodity market to provide best equity and commodity tips to traders and investors.we provide intraday as well as delivery stock tips in NSE and BSEand commodity tips in MCX and NCDEX. Read More

Commodity Market Services

Commodity Market Services

In this service we provide 3-4 intraday calls in MCX with a high level of accuracy. The calls are given in Precious Metals, Base Metals and Energies. You can also avail Free Tips for two days to test our accuracy and if satisfied you can join the services with Capital Stars. Read More

Nifty Market Services

Nifty Future Services

We provide you around 1-2 nifty calls, Bank Nifty Futures, nifty futures tips, sgx nifty tips Daily. You can gain more profit, Get 2 days free trial calls. Read More

Equity Market Services

Equity Market Services

In this service we provide 2-4 intraday stock cash calls in NSE/BSE with a high level of accuracy.You can also avail Free Stock Tips for two days to test our accuracy and if satisfied you can join stock cash services with Capital Stars. Read More

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CapitalStars provides Free Trial in Intraday as well as in Positional Services of Equity, Derivatives, and Commodities and Forex Markets. We provide recommendations in NSE, BSE, MCX, NCDEX, and MCX-SX etc. We render you enough entry and exit time in our calls so clients can easily maximize their profits. Read More

Wednesday 14 February 2018

Capitalstars Updates: RBI’s new rules provide for transparent and time bound NPA resolution process: 14 Feb 2018

Capitalstars Updates: RBI



RBI has withdrawn all regulatory forbearances and joint lender’s forum (JLF) for loan restructuring with immediate effect. All loan defaults with exposures aggregating Rs50mn or above would be brought under the “Resolution Plan (RP)” framework.

Further, from February 23, 2018, banks must immediately identify the defaults and make disclosures every Friday to the RBI credit registry.

RPs involving loan restructuring with exposures above Rs1bn require an external rating (two ratings for exposures above Rs5bn). Loans would be deemed NPA if the borrower is in default for 90 days or more during the pendency of RP or on restructuring.

For loan exposures of Rs20bn or above, RP should be implemented within 180 days from the reference date. The reference date is March 1, 2018, or date of default whichever is later. RBI has stipulated timeline of 15 days for referring loan exposures aggregating Rs20bn or above to insolvency proceedings (IP) if lenders fail to implement RP or a borrower defaults when under RP.

As at March 31, 2017, stress in large accounts (Rs50mn or more) accounted for 32% and 17.4% in that segment for state owned and private banks respectively. The NPA levels for the major banks as on December 31, 2017 are as under:
                                                                                                                                   
                                                                                                                                    (Rs in Cr)
BanksGross NPANet NPAGNPA %NNPA %
State Bank Of India199,141.34102,370.1210.355.61
Bank Of India64,248.5836,117.2316.9310.29
Punjab National Bank57,519.4134,075.6512.117.55
IDBI Bank Ltd.50,621.7529,352.5324.7216.02
Bank Of Baroda48,480.4419,852.1511.314.97
ICICI Bank Ltd.46,038.7023,810.257.824.20
Union Bank Of India40,988.3520,428.2113.036.96
Axis Bank Ltd.25,000.5111,769.495.282.56

The new framework is likely to crystallize losses of some borrowers who have not been subjected to restructuring but are under stress. Banks might be required to set aside large sums as additional provisions in FY19. Loans that have been subjected to loan restructuring already face the risk of becoming NPA in FY19. Historically, banks have used various forbearances immediately following a loan restructuring.

Capitalstars Financial Research Private Limited is a research house and an investment advisory carrying out operations in the Indian Equities and Commodity market.We also provide a free trial to our client.Join our services and trade with us. 


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* Investment & Trading in securities market is always subjected to market risks, past performance is not a guarantee of future performance.
* CapitalStars Investment Adviser: SEBI Registration Number: INA000001647


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