Renew working-capital limits before the review date passes

Match each limit falling due with the borrower's latest financials, stock statements, inspection reports and fresh rating in a review note. Credit can renew, reduce or exit the limit under the original delegation and keep accounts from sliding into NPA on an overdue review.

Starts when

Limit review due date approaching (normally annual, per Board policy)
Expiry of an ad hoc or short-term limit
Material change in the borrower's position before the due date

People in the process

CCreditProcess Owner
CCredit AdministrationParticipating Team
CCredit MonitoringParticipating Team

The process is a starting point. The standards are yours.

Configure for the bank or lender’s category, permissions and applicable RBI directions. Outsourcing, customer conduct, recovery and reporting controls use the institution’s approved interpretation and delegated authority.

Keep the work connected.

Legal Recoveries

Choose SARFAESI, DRT or IBC from one enforcement file

When a loan defaults, bring the loan history, executed documents, security, certified statement of account, valuations and disputes into one account file. Legal Recoveries can confirm enforceability and limitation, and the recovery committee can choose the route before any notice issues.

CCRR

Legal Disputes

Defend borrower lawsuits from one approved fact record

When a borrower sues or escalates, reconcile signed terms, account statements, complaint history, notices and staff accounts into one approved fact record. Legal Disputes can track every filing deadline and counsel can plead consistent positions across consumer, civil and DRT forums.

OCE

Recoveries

Release security only after the settlement is fully paid

Track each one-time settlement instalment against the sanctioned amount, schedule and conditions before closing the loan account. Recoveries can withdraw pending cases, release security, return original documents and issue the no-dues certificate only once every term is met.

FLC

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Order for the work. Room for the people.