Banking · Loan Restructuring

In which situation can a bank restructure a loan under RBI guidelines?

Verified Solution4 OptionsUpdated: October 2026👁️1 View

1The borrower delays payment simply due to being away on a vacation.
2The bank branch wants to artificially increase its credit exposure.
3The borrower wants a lower interest rate for personal savings reasons.
4The borrower requests restructuring due to genuine financial stress caused by economic factors.✓

Correct answer

The borrower requests restructuring due to genuine financial stress caused by economic factors.

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