CHAPTER SEVEN

Credit Monitoring, Sickness and Rehabilitation

CHAPTER STRUCTURE

Section I Basic Concepts

Section II Banks in India—Credit Monitoring and Rehabilitation Process

Chapter Summary

Test Your Understanding

Topics for Further Discussion

Annexures I, II, III (Case studies)

KEY TAKEAWAYS FROM THE CHAPTER
  • Understand why credit needs to be monitored after disbursal.
  • Learn to recognise symptoms of sickness/triggers of financial distress.
  • Analyse whether to nurse or not to nurse.
  • Understand how rehabilitation packages are framed.
SECTION I
BASIC CONCEPTS

The Need for Credit Review and Monitoring

From the previous chapters, it is evident that ‘credit management’ in a bank consists of two distinct processes—before and after the credit sanction ...

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