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After a close reading of the RBI circular titled "Prudential Treatment of Bad and Doubtful Debt Reserve (BDDR) by Co-operative Banks" issued on August 2, 2024 (RBI/2024-25/58), few pertinent issues arise and that have caused lots of confusion amongst the cooperative banks. Here is a comprehensive analysis of the key provisions, interpretational contradictions, and the anomalies that are creating confusion among stakeholders. #pdf
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