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The Reserve Bank of India (RBI) has decided to reach out to the Election Commission (EC) before releasing its new circular for banks.
The new circular would replace its February 12 circular that Supreme Court had disallowed earlier.The Model Code of conduct specifically exempted the conduct of monetary policy which is crucial part of the economy.
On 12th February 2018,RBI had put out a circular on classification of non-performing assets that required (a)Banks to stipulate a one-day default rule on term loans.A borrower missing repayment even for a day will be treated as a defaulter and (b)Banks were required to immediately start working on a resolution plan for accounts over Rs 2,000 crore, which was to be finalised within 180 days.In case of non-implementation, banks were required to file an insolvency application.
Several sectors such as power,sugar and fertiliser especially the unregulated sectors had challenged the RBI circular in the Supreme Court as ultra vires on the grounds that it wrongly classified them as wilful defaulters.They argued that they were stressed because of extraneous reasons beyond their control and cannot be treated as wilful defaulters. Further,they had also contended that the circular reduced the 270 day resolution window further to 180 days.
Non-Performing Assets(NPA) are loans or advances that are in default or are in arrears on scheduled payments of principal or interest,usually for a period of 90 days.Before the period of 90 days,they are called Stressed Assets.

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