Skip to main content


RBI Governor and Deputy Governor say increase in NPA may be because of entrepreneurs fault or banks negligence or external factor.

In Telangana from 2008 to 2014, there was severe power cut and because of bifurcation agitation, we had more non-working days than working days.

Some units with thinner equity had no reliance power and stamina.No other financial instruments being available except debt (both from boxes and PVT) has eroded they are staying power.

All India forums for small and medium enterprise have raised their voice but banks have their own agenda to pursue SARFAESI and recovery without hearing the plight of the same unit.

RBI, time to time have given policy corrections but it does not read the operation levels i.e; chief manager of branch or field officer.

For a 5000 crore NPA in MSME sector involving some 10 to 12 lakhs accounts, but employer 1 to 2 crore jobs are treated very badly.

Time has come to revolt against the existing system of NPA classification in the manufacturing sector where their advances are reasonably secured but banks are hesitating to take actions in time.

RBI has stipulated time limit for every possible revival efforts, but it is neglected or/are not adhered to.

Please reply your opinion which will be very useful to push the remedies for the cause.

Also known as the mother of all engineering, it is the oldest, broadest, most simple and useful of all engineering sciences.


Popular posts from this blog

Is Bank of India Listening?

News Letter Is Bank of India Listening? For the last six months, I am requesting a meeting with the chairman of the bank and even their office is not bothered to reply or acknowledge. This is regarding one unit of their branch at Madhapur Hyderabad, where the unitholder has requested about 12 months back to restructure the account and requested for the formation of a committee as per RBI directions of March 2016 where they want postponement  of term loan or moratorium but both branch and zonal office are not moving an inch. Neither they are accepting or rejecting and only verbally they are postponing. The unit is defence ancillary and because of problems of the main unit with the ministry of defence the order inflow has slowed down but now order flow has increased for six months and the branch is insisting to pay money for term loan which is not allowing the unit to generate enough revenue to execute the pending orders. Now where the unit can go? These kind of problems at branch level are…

Open Letter in response to the article published on Business Line (19.11.2018)- Unorthodox approach to resolving NPAs

Open Letter in response to the article published on Business Line (19.11.2018)- Unorthodox approach to resolving NPAs
An unorthodox approach to resolving NPAs I have read with a lot of interest the article in the business line of 19.11.2018 You have covered a gamut of large borrowers and as per RBI & IBC, this may be the need of the hour and every senior person, in all stakeholders are working for 500cr and above assets. For the last 36 months, I am working for the revival of sick MSME and now for the last 12 months, I am investing in these sick MSME in the form of equity. My study shows that on average of 5lacs investment, it will be possible to revive one MSME with 20 workers (in operation). As you have mentioned, it will be difficult challenge to create such fund for large corporations but for small MSME unit, we can depend on CSR funds, impact investors, philanthropic foundations, equity kind of crowdfunding. I am suggesting following Tax incentives: 1.As of now 90 to 95% MSME …

RBI Constitutes expert committee on MSME