National Institute of Bank Management, Pune

(An Autonomous Apex Institute Established by RBI & Banks)

( Registered as a Society under the Indian Societies Registration Act 1860
Recognized as a scientific and Industrial Research Organization by Department of Scientific
and Industrial Research, Ministry of Science and Technology, Government of India )

Latest Issue Highlights

Vinimaya Vol. XXXIX  No. 4  January-March 2019


·         Wilful Defaulters and Non Cooperative Borrowers: How to Tackle these to Curb Rising NPAs
– Shams Tabrez

·         Debt Restructuring of SMEs – Suggested Approaches for Assessment of Credit Needs          
– M S Ali & V S  Kaveri

Micro, Small and Medium Enterprises (MSMEs) are known for job creation in the country.  But at the grass root level, they continue to experience inadequate credit supply which is a critical input for growth in production and sales. Consequently, the level of non-performing assets in MSME sector is high and increasing. One of the ways to assist financially ailing Small and Medium Enterprises (SMEs) is Debt Restructuring to make a project financially viable in the near future. Reserve bank of India introduced Debt Restructuring scheme for SMEs in 2005. Since this scheme is in existence for more than a decade, it calls for a review, and suggest improvements. While RBI has been making changes in debt restructuring guideless from time to time and banks have also been strengthening institutional arrangements, much needs to be done to improve the quality of assessment of credit sanctions as part of debt restructuring exercise. Appreciating this felt need, the article suggests certain new approaches.

·         Financial Inclusion – Role of Business Correspondents,  Business Facilitators (BCBF Model)
its Efficacy                                                                                                        
– Manjula Wadhwa



National Institute of Bank Management NIBM Post Office, Kondhwe Khurd
Pune 411 048, INDIA



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