Accounts

RBI has revised rates for NBFC for F.y. 2011-12 for Provision of Debts and issued notification in the month of May -dated 18 ..........

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Category of Advances	Existing Rate (%)	Revised Rate (%)
Sub- standard Advances • Secured Exposures • Unsecured Exposures • Unsecured Exposures in respect of Infrastructure loan accounts where certain safeguards such as escrow accounts are available.	10 20 15	15 25 20
Doubtful Advances – Unsecured Portion	100	100
Doubtful Advances – Secured Portion • For Doubtful upto 1 year • For Doubtful > 1 year and upto 3 years • For Doubtful > 3 years	20 30 100	25 40 100
Loss Advances	100	100
Restructured accounts classified as standard advances • in the first two years from the date of restructuring ; and • in cases of moratorium on payment of interest/principal after restructuring – period covering moratorium and two years thereafter.	0.25 to 1.00 (depending upon the category of advance)	2
Restructured accounts earlier classified as NPA and later upgraded to standard category • in the first year from the date of upgradation	0.25 to 1.00 (depending upon the category of advance)	2

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