Dental Implants

NPA management has been always a matter of concern. Every economist and financial expert has different views about recovery and account settlement. Why is it such an important issue?

Well, it is because a non-performing asset is not just bad for the financial institute or bank that issues the loan, but also for the economy. It has been observed that the recovery of the NPA has worsened in the past decade.

There was an estimate that the NPA rate will reduce as the economy will improve. However, the pandemic situation has impacted the economy badly. Hence, there is no scope of improving the NPA soon.

In this situation, rigorous efforts should be made to recover non-performing assets so that banks and financial institutes can improve their condition.

The introduction of the Insolvency and Bankruptcy Code has helped

Indeed, banks have been heavily relying on this code for the recovery and npa account settlement. Experts assume that banks will be able to release more than 25000 crores in the next five years. The overall NPA recovery rate will sustain at 33% or more, which is a healthy figure.

However, it is equally essential to strengthen the npa recovery process as well. Without that, the desired results will not be achieved.

The recovery tools can be Lok Adalat, legal proceeding under the SARFAESI act, and DRT (Debt Recovery Tribunal). Whatever method is used, the aim is to recover the amount as much as possible.

NPA recovery is important for the health of banks and financial institutes

Both NPA recovery and debt settlement are important for the right functioning and financial well-being of a bank. Unless the loan amount is not recovered, it cannot be reinvested. Thus, the circulation of money does not happen.

A npa consultant in india helps in speeding up the recovery process. By recovering the outstanding amount, a bank strengthens its working capital. It achieves higher efficiency and capitalizes on the net profit. It is the reason, npa in india is the most concerning issue today. It is not just about unrecovered money but has various dimensions to it.

The Indian economy has seen the worst lean period because of the lockdown situation followed by the worldwide Coronavirus pandemic.

All sectors of industries have seen a stop in manufacturing. After the step-by-step unlock, industries are struggling with a shortage of labors and raw material.

No wonder it will hamper the npa account settlement process as well. Experts recommend the need for restructuring of loans to combat the situation. Surely nclt lawyers india will have to deal with an increased number of NPA cases in the future.

When the borrower is unable to repay the loan despite all efforts, he can approach the bank for restructuring. It happens only if the bank is convinced that the restructuring will address the existing stress of the loan.

Why restructuring?

Restructuring is a loan settlement process that entertains genuine borrowers, who are unable to repay the loan regularly because of the financial crisis. When a borrower defaults, his credit rating score affects adversely. Restructuring of the loan helps to remove the overdue amount and improves the credit score.

Loan repayment rescheduling matches the operational cash flow

When the loan payment schedule is restructured, it matches the operational cash flow. Agencies that manage the funding for npa accounts observed that the cashflow shrinks for a certain period. However, it comes to the earlier levels after some time.

Real operational issues tide over by rescheduling of the loan.

Dropping the interest rate

It is another method of loan restructuring. At times, it happens that banks issue loans at a higher rate than the ideal rate. The reason for it could be several. Higher interest rates are not recommended, and they create the worst impact when the situations are adverse.

Borrowers may approach the financial institution for the reduction of the interest rate so that the loan can be repaid without any difficulty.

Rate reduction puts a positive impact on the project cost. IT makes the loan viable again.

Interest waiver

When banks impose charge penalties or extra interest on the unpaid amount, it adds to the project cost. In extreme situations, banks waive off the excess interest as part of the restructuring of the loan.

 If couples don’t conceive for 8 to 10 months of timed unprotected intercourse, they should get themselves evaluated. When this time comes, we generally think of visiting our family doctor or a Gynaecologist. But it is always preferable that you meet a specialist, an infertility specialist, or go and consult at an infertility canter.  These centers are better equipped in terms of testing and knowledge about infertility.

These centers will have the facilities for basic infertility checkups, like Tubal evaluation, semen analysis, laparoscopy, and hysteroscopy, transvaginal sonography to see if there are any fibroids or polyps in the uterus and to see the number of follicles in both the ovaries and see ovarian size and status.

These centers also have the facilities to do treatments like IVF( In vitro fertilization)  , ICSI (Intracytoplasmic sperm injection)  and IUI ( Intrauterine insemination)  , labs to culture embryos till the blastocyst stage ( the highest stage of embryo culture ) , testicular sperm aspiration(TESA), embryo freezing, egg freezing, and sperm freezing.

There are few advanced techniques that the couple can benefit from like PGD and laser-assisted hatching as well. These are beneficial for couples who have not had successful treatments previously.  In such cases, couples should choose labs that have in-house embryologist. They should consult the embryologist and ask them about their embryos, the embryologist can also give you an idea of the previous embryos used.

An embryologist is the one who is going to make the embryos, and that is your baby so meeting and understanding who your embryologist is, and how your embryos are being taken care of will be one of the most important factors infertility treatments.

The infrastructure and the lab also matter a lot, the lab culture conditions should be similar to the condition of the fallopian tube since that is where the embryo is going to be formed. The better the lab infrastructure better are your chances of success.

If your infertility specialist does not have a lab of their own, then they have no control over the lab and that is the major problem since labs will always give more preference to their own patients.

All in all my advice to all the couple out there who are trying to conceive go to the best IVF center since your baby deserves to be in the best hands. And best doesn’t mean an expensive IVF center it is the one where everything related to infertility is under one roof. Where you get to consult the gynecologist as well as the embryologist. where you have the faith that your embryos will be taken care of extremely well.

visit the best fertility clinic in Mumbai, Jilla IVF Hospital which has the best ivf doctors in mumbai 

In case of any doubts feels free to call me on 8080943943.

Edit

 Most of the time when couples do not conceive after 8-10 months of unprotected intercourse, they wonder what is going wrong.  What is the reason that they have not conceived?

There are different reasons why couples don’t conceive. Let’s look at them one by one. We will 1st discuss the female side and then the male side.

Female Infertility or Subfertility

1.Tubal block:  If your fallopian tubes are blocked then you will not conceive naturally. Fallopian tubes are the place where the sperm fertilizes the oocyte in the female body. They are the junction between the ovary ( where eggs are present) and the uterus where the baby grows.

Tests to know if the tubes are open are 

1. SSG
2. HSG
3. Laparoscopy ( Diagnostic)

1. PCOD ( polycystic ovaries) : women with PCOD might not conceive. And may need basic treatment.

Test to know of you have PCOD 

1. TVS ( sonography)
2. AMH ( blood test)
3. FSH and LH ( blood test)

1. Poor ovarian reserve: In some women, the number of oocytes is extremely less due to which they are unable to conceive.

Tests to  know if you have less eggs 

1. TVS ( sonography)
2. AMH ( blood test)
3. FSH and LH ( blood test)

1. Endometrial polyp: if there is a polyp ( muscle mass ) in the lining of the uterus ( endometrium) it will be difficult to conceive.

Tests : 

1. TVS
2. Hysteroscopy

1. Thin endometrial lining: Implantation ( embryo sticks to the uterine lining ) happens only if the lining is more than 9mm. Incase the endometrial lining is not growing it will be difficult to conceive.

Test : 

1. TVS ( sonography) during the mid-cycle.

1. Uterine fibroids: if you have uterine fibroids they will affect your conception.

Test: 

1.TVS

1. Diagnostic laparoscopy.

Male factor infertility : 

1. Low sperm count: if the number of sperms in the semen sample is low

1. Low sperm motility: If the speed at which the sperm is traveling is less

1. Abnormal sperms: if the abnormal form of sperms is high

1. No sperms in the sample ( Azoospermia) : If there are no sperms seen in the semen sample then conception will not happen.

1. Ejaculation problems or erectile dysfunction Can also be a cause if Infertility.

Basic tests for male factor infertility are 

1. Semen analysis
2. DNA fragmentation index

In case a couple is not conceiving naturally and they can visit the best IVF clinic in Mumbai. All the above things will be studied and evaluated under one roof they will get to know the exact reason for infertility.  Jilla IVF hospital in Andheri has one the best IVF doctors and specialists which makes it the best fertility clinic in Mumbai.

Did you hear about halitosis sometimes? Perhaps not, but you are certainly familiar with bad breath. Halitosis is nothing but the scientific name of bad breath.

Halitosis does not need a doctor to diagnose because it can be felt by others. However, when the bad breath becomes chronic and it does not get away with oral hygiene, or it has symptoms, you will need an expert.

Doctors examine your mouth and find out the root cause of bad breath.

It is quite an embarrassing problem. It is the reason people go to a dental clinic in Mumbai to get a cure. However, you can fight bad breath and keep the oral health good by following some simple practices daily.

Brush and floss the teeth

Brushing your teeth thrice (at least twice) is recommended by the dentists. It removes food debris and plaque before they become the cause of bacterial manifestation.

Flossing is equally important as brushing. It is ignored by people, though. Dental floss removes food particles in between the gaps of two teeth.

Brushing the teeth with a pinch of baking soda reduces the acidity in the mouth. Thus, bacteria do not get favorable condition to grow and do not develop bad breath.

Scrape the tongue

Again, many people do not take care of cleaning the surface of the tongue. By using a simple tongue scraper, you reduce the build-up of bacteria on the tongue surface.

If you do not have a tongue cleaner, then it is possible to clean the tongue using your toothbrush.

Quit bad habits

Smoking, chewing tobacco products are bad habits that cause not just bad breath but trigger several other serious problems.

Tobacco dries the mouth and causes fibrosis in the long run. Also, tobacco has an unpleasant smell that lingers on even if you brush the teeth.

Hence, the best thing is to get rid of these habits.

Include fresh and crispy fruits and vegetables

Crispy vegetables and fruits increase the saliva secretion, which washes away bacteria. Also, these snacks give exercise to the teeth and improve oral health.

An empty stomach may cause a a foul smell of breath and because of the buildup of acid in the stomach. By munching fresh and crispy fruits and vegetable you suppress the acid and reduce bad breath.

Meet the dentist

Yes, do not ignore the problem of halitosis. Fix an appointment with the top dentist In Mumbai to get the fundamental cause of the problem.

Remember, bad breath could be a symptom of some other systematic (internal) problem. It could be because of unhealthy gums also.

If the bad breath is caused by dentures or braces, then it is important to take extra care.

When cleanliness is not maintained, it may cause bad breath. Food particles get clogged in the gaps and cause a bad smell.

If braces are not properly fit, then it may cause soreness and leads to infection. It results in a foul smell. Your doctor will find out the right cause.

Many people think that whiteness of the teeth is only one parameter for a healthy smile. If you ask dental experts, then they disagree. From their perspective, a healthy smile is a resultant effect of healthy gums, the bone density, condition of salivary glands, and the soft tissues in the mouth.

All these make a smile healthy in totality. When people go to a dental clinic in Mumbai with some complaint or just a routine checkup, the specialist looks at all these aspects and then decides the health of your smile.

What are the top tips given by dental specialists to keep the smile healthy?

Regular checkup is mandatory

Everyone tends to postpone or avoid dental checkups.

They go to a dentist only when they are in pain. Or they book an appointment in a cosmetic dental clinic Mumbai to have dental restoration work.

Besides these two situations, nobody goes to a dentist.

However, to maintain optimal oral health and a beautiful smile, it is essential to get the preventive maintenance done at least once in six months.

By doing routine dental cleaning, conducting diagnostic tests, doctors diagnose the problems at an early stage. Problems get arrested early and they do not go out of control.

Follow good oral hygiene practices

There could be gum problems or cavities in the teeth; oral problems can be of these two types.

The best oral hygiene practices are:

• Brush your teeth twice a day (at least)
• Floss between the teeth before bedtime
• Use mouthwash once a day

Simply by following these things, one can keep the teeth healthy and shining. The smile remains flawless and charming always.

Dental sealants are important

When it comes to dental treatment, preventive measures are critically important. Sealants play a role in protecting the teeth.

What is a sealant? A sealant is a protective barrier placed on the molars. It prevents cavity formation due to sugar, sticky foods, or sweets. Thus, the teeth remain healthy for a long time.

Looking at the increasing dental implant cost in Mumbai, it is always a wise thing to keep the natural teeth healthy and strong as long as possible.

Be regular in your dental maintenance routine

Yes, regularity is the key to get success in maintaining oral hygiene. Make it a habit to brush at bedtime. Learn the right method of flossing.

Meet the dentist at least once a year. The recommended frequency is once in six months.

Keep a close watch on oral dryness

The dryness of the mouth is a high-risk factor, still, it remains ignored many times.

Saliva is especially important for combating bacteria as it washes the inside areas of the oral cavity.

If one feels that the mouth is getting dry often, then it is good to seek an appointment with the top dentist In Mumbai. There you get the proper diagnosis and cure oral dryness.

Eat right

Eat plenty of fruits and raw vegetables Include vitamin C in the diet.  Drink plenty of water (at least eight to ten glasses). Restrict the consumption of chocolate, caffeinated drinks, and alcohol.

All these practices will result in healthy teeth and a charming smile!

Have you ever thought about what the plaque is? Where does it come from? Why is it stubborn and remains there despite various efforts taken by you?

Dental plaque or tooth plaque is a sticky and soft layer that accumulates on the teeth. It is pale yellow or colorless.

The mixture of food, digestive fluids, and saliva has bacteria that accumulate on the teeth and gums. Plaque contains bacteria that attack the teeth enamel and damage the gums.

If the plaque is not removed through brushing and flossing, then it leads to tooth decay and gum disease. Plaque becomes hard within 24 to 72 hours and turns into tartar. Once this plaque hardens, it won’t be possible to remove it by brushing alone. You will need the help of the best dentist in Mumbai

What causes dental plaque?

When saliva, food, and fluid combine in the mouth, they build an environment supportive to the bacterial growth. The maximum accumulation of the plaque is where the teeth and gums meet.

Carbohydrate-rich food, sugar, soft drinks, and candy contribute to plaque formation the most.

Since plaque hides between the gumline and teeth, and it is not possible to avoid its formation; the best way is to follow good oral hygiene to minimize its accumulation.

How will you prevent plaque formation? Here are some tips.

Meet the dentist once in 6 months

According to the specialists, everyone should see the dentist once in 6 months. How does it benefit?

When you go to a dental clinic in Mumbai, doctors identify the position of plaque formation using dental mirrors. Thus, even hard to see places and spaces also become visible.

They scrape the plaque using a dental scaler. It is a painless method and very effective for plaque removal.

If the teeth become yellow due to heavy plaque buildup, you may need to visit cosmetic dental clinic in Mumbai for teeth whitening procedure.

Know the right brushing technique

It is essential to brush the teeth twice a day. Bedtime brushing is more important than morning brushing because plaque buildup takes place when we sleep.

Remember, every set of teeth is unique. Therefore, it is essential to ask the dentist about brushing and flossing tips to reduce the buildup of plaque.

Remember, there is no substitute for natural teeth. Therefore, everyone should make efforts to keep them healthy and strong.

Do you brush your teeth daily? All of you will answer affirmatively. Do you floss your teeth daily? Well, the answer is ‘No’ by most of you. Yes, it is not a secret that people do not like flossing. A small percentage of people floss every day.

When you go to a dental clinic in Mumbai for a routine checkup or dental treatment, doctors recommend daily brushing and flossing for maintaining good oral hygiene. They do not consider flossing an optional thing, but as mandatory as brushing twice a day.

If you belong to the category of people who tend to ignore the advice of your dentist and tempt to forego the floss, then it is the time to rethink over it.

Here are some important benefits of flossing.

They leave your teeth more thoroughly clean

Brushing alone would clean the teeth, but when you add flossing to it, you get a thorough cleaning. Studies say that around one-third of the surface of your teeth remains uncleaned if you do not floss. It is quite a lot, isn’t it?

Floss reaches places where your brush never goes. To know the best method of flossing, you should visit the best dentist in khar.

Flossing removes bad breath

The reason for bad breath is not maintaining good oral hygiene. Brushing twice and using mouthwash may suppress the odor for some time, but another reason of bad breath is tartar and plaque.

By regular flossing, you can reduce stinky buildup.

Flossing reduces the possibility of gum problems

The risk of gum disease is higher when plaque and tartar are there in your mouth. According to dental experts, it is important to make flossing a daily habit.

Gum problems cause early loss of teeth and looking at the increasing cost of dental implants cost in Mumbai, it is better to follow good oral hygiene.

Flossing reduces the risk of bigger ailments

There could be some bigger health issues down the road if you do not maintain better oral hygiene. Gum problems may cause problems such as heart ailments, diabetes, and even Alzheimer’s disease. Various scientific studies reveal the fact that the risk of heart problems is double for people who have gum problems.

Thus, flossing brings several health benefits which you should follow. Ask a dental expert or visit the nearest cosmetic dental clinic in Mumbai to get information and guidance about oral hygiene and flossing.

NPA Recovery Process Steps which can be adopted by the Banks:

Bank has to identify as to how each loan or advance has become NPA and it has to be tackled as a strategy.

1. If further assistance will help unit to generate income, then by taking additional collateral security it has to be recovered.
2. By asking the borrower to sell surplus assets NPA can be recovered

iii. Court or legal proceedings are cumbersome and that have to be resorted only as a last resort.

1. By compromise, negotiated deal by reducing interest or by waiving penalty so for levied in the account of borrower
2. By inducting additional partners, promoter’s additional capital, management can be brought in which can turn the unit to be viable.
3. By converting a portion of Advance of funded term loan levy lower rate to enable the unit to generate income and then to recover

vii. By opening back to back LC encourage unit to do some trading activity which will not need additional funds, but the expertise of the unit can be utilised to generate additional profit and then recover NPA.

viiii. Bank can allow operations in the account when the unit is in bad shape, but retain a small portion to enable it to service the interest and thus unit will not be classified as NPA.

1. By declaring unit as wilful defaulter take action, publish in newspaper and coerce the unit to repay.
2. SARFAESI / DRT / Coperative Court proceedings

The policy is intended to contain NPAs to a minimum level in conformity with the guidelines issued by Government of India and our sponsor bank. The policy includes both preventive and curative measures  for containment of NPAs through various measures inter-alia i) maintenance of quality of assets through proper credit appraisal ii) thorough scrutiny and processing of such applications iii) maintaining the quality of assets by having proper monitoring mechanism iv) identifying the weaknesses of assets through early warning signals v) effective measures to prevent those accounts whenever symptoms of deterioration in quality are observed vi) identification of potential NPAs vii) up-gradation of assets through various methods viii) recovery of NPAs through legal process, compromise settlements, announcement of OTS and ix) writing off the loss assets where prospects of recovery or up-gradation are perceived to be bleak.

• The primary guiding factor for recognizing an NPA is the Income Recognition and Asset Classification (IRAC) norms advised by RBI to RRBs from time to time. In terms of these, loan accounts will be identified as potential NPAs classified as IRAC 1, 2 & 3 which have become overdue by one week, one month and two months respectively. Similarly, newly turned NPAs are identified as IRAC-4 as at the end of 90 days overdue period.

• Potential NPAs or Special Mention Accounts

• ‘Early warning signal system’ is an integral part of Bank’s Risk Management process as it provides an opportunity for early identification of potential NPAs, review and reporting of problem loans and initiation of time bound corrective action including rehabilitation and restructuring. Keeping the above in view, in tune with RBI guidelines, a new category of asset is introduced viz., Potential NPAs or Special Mention Accounts (SMAs) between ‘standard’ and ‘sub-standard assets’ has been introduced which show tendencies for possible default or delinquency. These potential NPAs or Special mention accounts would not require any provisioning as they are not classified as NPAs. We have already devised a report named as “IRAC 2 & 3” through which details of borrower wise potential NPAs are advised to branches and Regional Offices at weekly intervals.

• The objective behind providing these reports is to put in place a mechanism for internal monitoring and follow up of these accounts for regularization so as to prevent them from slipping to NPA category. Normally, the following categories of accounts would be designated as potential NPAs.

• Accounts where interest/installment has not been served for 30 days.

• Accounts which are not in default but showing early warning signals such as frequent return of cheques, non-submission of financials at regular intervals etc.,

• Failure to complete the unit as per the project report.

• The following are the reasons for default or account becoming special mention account.

1. a) Diversion of funds b) Disputes within c) No contribution by the borrower

1. d) Natural calamities e) Defective sanction f) Delay in disbursement

1. g) Failure of activity h) Poor maintenance of unit i) Personal accidents

1. j) Borrower avoiding contacting with bank k) Delay in submission of required data

1. l) Increased competitionm) Sales not routing through our account

• Once the account has been identified as IRAC-1, branches shall call the borrower over phone and advise the borrower to regularize the account immediately. If it is not regularized and slips to IRAC-2, the branch shall analyse the following:

• The problem based on facts and circumstances and shall take immediate remedial steps for upgrading the loan account.

• Diagnose the reasons for the deterioration of the asset is essential for taking remedial action. Close monitoring of the unit is required.

• Revalidate assumptions made at the time of sanction of loan duly undertaking the assessment of credit risk up to Rs.1.00 lakh. Regional Office has to analyse in respect of loans above Rs.1.00 lakh.

• Verify correctness of documentation including revival position, creation/registration of charges, insurance cover etc., to be made and deficiencies if any have to be rectified immediately.

• Verify whether charges pertaining to insurance, equitable mortgage, processing charges are due to be paid.

• Whether all parameters including gestation/moratorium details are fed in the system correctly.

• Whether the problem faced by the borrower for delinquency is of temporary in nature or whether any proactive action like guidance, nursing, problem resolving from the bank-side is required.

• Bring the deterioration in asset quality to the notice of the borrower and call upon him to regularize the account. Obtain realistic and time bound commitment from the borrower/guarantor to initiate necessary suitable steps to arrest deterioration in the loan quality.

• The system of identifying and classifying accounts as potential NPAs is in addition to and not in substitution of the asset classification under IRAC norms.

• In order to prevent loan accounts from becoming NPAs preventive measures to be taken are furnished in Annexure-I.

• Impaired Assets/Non-Performing Assets

• There are several reasons for loan accounts becoming NPAs which can be categorized under three heads viz., External, Internal and Bank related reasons as furnished in Annexure-II. If these are handled properly many loan accounts can be prevented/upgraded.

• In order to have a proper monitoring mechanism, robust MIS has been put in place. Branches shall maintain ‘NPA Monitoring Register’ (as furnished in Annexure-III) wherein crystallization of each NPA account will be done along with action proposed for recovery/regularization.

• Branch wise/region wise NPA levels vis-à-vis NPAs as on March of previous Financial Year and increase/decrease over previous day shall be advised by IT Cell for the information of branches and management.

• Apart from above, the following reports will be provided by the IT Cell for better monitoring and control:

• Details of borrower wise/activity wise NPAs at weekly intervals.

• Quick Mortality accounts at fortnightly interval

• Loan accounts sanctioned recently but appearing as NPAs due to non-recovery of processing charges

• Fortnightly reports containing details of loans sanctioned in a month for amounts above Rs.1.00 lac, above Rs.5.00 lacs and NPA accounts above Rs.1.00 lac and NPAs above Rs.5.00 lacs.

• NPA reports in excel format to enable branches to prepare reports as per their requirements to enable them to maintain the data for easy reference and follow up.

• Annual SA returns containing details of borrower wise asset classification and provision made.

• The NPA Management department shall ensure the following:

Details of Top-50 NPA accounts and provision held against each account and the reasons for becoming NPA

• Details of fresh accounts turned in to NPA, Recovery made/renewed and written off

• Necessary provisions towards NPAs as per the extant RBI guidelines shall be made on a monthly basis.

• Analysis of NPAs shall be submitted on monthly/quarterly basis.

• The NPA Management department at Head Office shall provide necessary inputs and guidance to regions and branches for reduction of NPAs depending upon the need & circumstances keeping the seasons and requirements in view.

• Asset classification and stamping of accounts will be done at monthly intervals by the system.

• The following action points are advised to branches when loan accounts become irregular: a) NPAs under Farm Sector & SHGs:

• Conducting Gramasabhas in all our villages involving government departments’ viz., Revenue Officials, Agriculture dept., village elders and well-wishers of bank to impress upon the farmer borrowers and SHG members with the advantages of prompt repayment of loans.

• Meeting the borrowers and insist for regularizing the loan accounts.

• Sending notices advising the borrower to regularize the loan account within ten days, immediately after the account appearing under IRAC-2. Reminder has to be sent after 15 days if not regularized.

• Register Notice with Acknowledgement Due has to be sent if the account is not regularized after issuing ordinary notice and upon the account appearing under IRAC-3.

• Legal notice has to be issued to all high value agriculture loans where agriculture lands are mortgaged to our bank if the account is not regularized even after issuing registered notice.

• Recommendations for filing of suits have to be submitted where there are no chances of compromise or compromise is not in the best interest of the bank duly ascertaining the latest addresses of borrowers and guarantors and details of all assets (both movable and immovable) possessed by them to pray for attachment before judgment.

• Compromises can be entertained where the recovery of entire dues is not possible through realization of property. Lokadalat mechanism can also be utilised wherever feasible

• Good SHGs services may be utilised for tracing out addresses of absconding/migrated borrowers

• VO wise list (as per Annexure-IV) have to be compiled to have entire information of all SHGs at one place and to update the same once in a month

• IKP (Government agencies) and Village Organisations have to be involved for recovery and regularization of NPAs under SHG segment. Community Based Recovery Mechanism (CBRM) meetings at branches have to be conducted at monthly intervals to review the recovery position.

1. b) NPAs under non-farm sector Loans:

• Auction notice in respect of gold ornaments should be issued to PGL-NPA accounts immediately after the account becoming NPA by following due procedure.

• Services of empanelled Enforcement agents, Recovery agents & Seizure agents can be utilized for the purpose of recovery.

• Action under SARFAESI Act, 2002 is to be initiated for all eligible cases once the account slips to NPA without any delay.

• Filing of suits praying for attachment of properties duly ascertaining the assets possessed by the borrower and guarantor.

• Seizure notice should be issued to all vehicle loan accounts once the account slips to NPA.

• Contacting Placement Officers of respective colleges where a student borrower has pursued his/her studies and searching through social network sites for tracing out the details of borrowers in respect of irregular Education loans and issuing notices.

• Addressing letters to employers requesting to extend cooperation in recovery of loan if the student borrower is employed.

• Contacting the employers, unions and associations of staff in various departments for tracing the present place of posting in respect of defaulting employees who have availed personal loans or address a letter to employer under RTI Act to advise the details of transferred/retired employees.

• Filing cheque bounce cases under Sec.138 of N.I. Act where Post Dated Cheque/ECS mandates have been dishonoured.

• Taking up the over dues issue in JMLBC/DCC seeking the cooperation of respective departments for recovery of loans.

• Furnishing lists of defaulters under government sponsored schemes to respective agencies requesting to extend cooperation in recovery/regularization of accounts.

• Filing of cheating cases wherever misutilization has taken place.

• Lodging claims under CGTMSE promptly.

• Utilising the One Time Settlement Scheme (OTS) as and when the Bank announces such schemes with due approval of Board.

• Submitting request for waiver of legal action where recovery of loan is not possible through legal action.

• Submitting recommendations for writing off loans where security is not available and adequate provision has been made against the loan outstanding and it is certain that loan cannot be recovered by any means.

• Incentives to best performing branches.

• Capacity building measures by conducting training programmes & workshops at our Staff Learning Centre (SLC) and at regions for field functionaries (keeping the newly recruited/promoted officers in view)

• The following Master circulars have been issued and these circulars will be updated duly incorporating changes at yearly intervals.

• Adv Cir.239/2016-17 dated 20.3.2017 Master circular on SARFAESI Act, 2002

• Adv Cir.238/2016-17 dated 20.3.2017 Master circular on AUCA with accounting procedure

• Adv Cir.240/2016-17 dated 20.3.2017 Lokadalat Procedure

• Adv Cir.241/2016-17 dated 20.3.2017 Master circular on Suit filing procedure

• Adv Cir.51/2017-18 dated 14.7.2017 on NPA Monitoring Register & Crystallisation

• Adv Cir.87/2017-18 dated 20.10.2017 on maintain VO wise lists of SHGs

• Adv Cir.No.237/2016-17 dated 20.03.2017 Master circular on compromise

• Monitoring of NPAs at Head Office will be done as under

• NPAs having outstanding above Rs.20.00 lacs will be monitored by a committee headed by Chairman with General Manager-III and AGM (Credit & RRM) as committee members

• Four General Managers shall monitor NPAs in the regions allotted to them.

• Each Head of the Department will monitor the NPA position in their allotted region

• Top-100 NPA branches will be allotted to officials working at Head Office (each official 3 to 4 branches) who will visit branches, participate in recovery drives and guide the branches.

• Devised a format for ‘Problem Loan Account Review” (Annexure-V) for loans above Rs.10.00 lakhs through which review will be done for high value advances and appropriate action plan would be given for regularization.

• Allotment of branches in a region to all Desk Officers working at regional office for close monitoring. They will participate in recovery camps and contact the borrowers over phone and also in person during their visits to branches.

4.14. Established Account Tracking Cell (ATC). The officials call the overdue borrowers (under IRAC 2, 3 & 4 and above) over phone and pursue for recovery.

• Review at different levels at monthly intervals for Regional Managers and to Senior Manager (Advances) at quarterly intervals by Head Office

• Review for Branch Managers at monthly intervals and to Field Officers at quarterly intervals by Regional Office.

• Periodical review of SARFAESI cases and Suit filed cases by Head Office through Audio conference.

• Conducting Advocates meet in all regions once in half year to review the position of pending cases.

• Designated one Desk Officer in each region exclusively for NPA monitoring.

• Sharing of data with CIBIL & other CICs so that our overdue borrowers will not be able to get loans from other bank.

• Discretion for according approvals:

• Transfer to Recalled Debts and Filing of suits: Regional Office Credit Committee (ROCC) headed by Regional Manager along with Senior Manager (Adv) as Member Secretary, Senior Manager (Admin) and One Scale-III Branch Manager as members shall scrutinize and recommend the proposals to Head Office for wavier of legal action and suit file..

• Powers to write off loss amount on account of Compromise/OTS: Up to Rs.3.00 lakh – HOCC-II

Above Rs.3.00 lakhs and up to Rs.10.00 lakhs – HOCC-I (headed by Chairman and all GMs as members)

• Review of Doubtful/Loss Assets/AUCA

• Doubtful/Loss Assets/AUCA are not generally considered amenable to any rehabilitation efforts and hence, these assets are being clubbed so that the focus of the review will shift entirely to various means of recovery i.e. legal action, compromises, enforcement of security rights under SARFAESI etc., Importance is attached to AUCA also as recovery efforts in these accounts might not have been exhausted. Further, there may be accounts which have deteriorated to Doubtful or Loss assets due to mere passage of time and not due to deterioration of security and are still viable. Exclusive review of  such accounts should be done by the regions and necessary recommendations should be put up to Head Office including option of restructuring.

• Writing off loans: As a matter of policy, loans with small outstanding where recovery chances are remote and adequate provision has been made will be reviewed every year. As part of cleansing of Balance Sheet a prudent decision will be taken to write off such loans (excluding staff loans and fraud related loans).

Eligible accounts for write off:

• The accounts proposed to be written off should be classified as doubtful or loss assets (IRAC 5 and above) in respect of which approval for waiver of legal action has been granted.

• The loan account should have adequate provision so as to contain the loss at minimum level.

• The accounts to be considered for writing off include residual balances after appropriating the securities.

• The accounts where no security is available and the units not in existence can be considered for write off.

• Accounts pertaining to fraud where staff accountability has been examined and legal  and other proceedings have been completed can be considered.

• Accounts where suits have been filed but chances of recovery are bleak even if the cases are decreed.

• The proposals for write off shall be accorded approval subject to adherence of the following:

• Prior sanction for write offs must be obtained from the competent authority by submitting the proposal in the prescribed format.

• All write off proposals should be thoroughly screened by the ROCC before submitting for approval.

• Staff accountability examination status has to be indicated in the proposals put up for write off.

• Write off should be effected only after transfer to Recalled Assets account.

• It has to be ensured that the authority approving the write off proposal did not sanction the advance  in question in his individual capacity.

• Branches on receiving write off approvals should carry out the exercise and the amounts written off should be invariably parked in Advances Under Collection Account (AUCA) irrespective of outstanding.

• The details of written off accounts should be entered in the AUCA register invariably and should be balanced once in a quarter.

• The follow up should be continued for recovery on par with other live accounts.

• It should be ensured that the relative documents are enforceable and legal options/compromise proposals to be explored.

• All possible steps to recover the dues have to be initiated and should be continued for recovery of the debt even after write off in the larger interest of the bank.

• These accounts will be reviewed from time to time to watch the progress of recovery in such accounts and desirability of further continuation of an account in AUCA.

• It should be ensured that the details of accounts written off are uploaded in CIBIL.

• Branches will be advised to submit recommendations for writing off proposals to Regional Office duly verifying each NPA account as crystallized in NPA Monitoring Register in respect of eligible accounts. Regional Office in turn shall scrutinize and process the proposals. The discretion to accord write off approval will be delegated to ROCC from time to time.

• The branches will be advised to ensure that writing off loans should not in any manner dilute the recovery mechanism and should not give any negative signals to regular and prompt borrowers.

https://www.npaconsultant.in/npa-recovery-process.html

Worried about IVF treatment cost in mumbai, Jilla Hospital is among the low cost IVF center in Mumbai. Contact us for more information

Mumbai is a metro cosmopolitan city where we can get the most expensive to the cheapest thing. Likewise for fertility treatment, fertility centers are based on the popularity and success of doctors, hence treatment too is of varied costs and difficult to find best ivf treatment cost in mumbai. Due to the uncertain nature of the treatment andits result and the long duration of conception with trial and error methods sometimes costs touch the sky.

When we talk about IVF treatment cost in mumbai this means the cost needs to be low and include injections, hospital stay, test-tube baby procedure and doctor fees.

There are many fertility centers in Mumbai which are highly popular for fertility treatment because of its high success rate, high quality medical facilities and experienced doctors.However they try to decrease the cost and also some of the fertility clinics have come up with EMI schemes. You should confirm with the clinic if the quoted price includes everything and there are no hidden costs involved.

• High Success Rate
• Experienced doctors
• Failure Analysis and Recovery
• Cost Effective IVF treatment
• Affordable Fertility Care
• Faster Appointments

The food we eat and the liquids we drink go a long way in strengthening our pearly whites. However, the consumption of the wrong vitamins and minerals in the food will lead to teeth weakening and tooth discoloration. Therefore, it is important to understand the role of vitamins and minerals when it comes to your dental health. This piece of content will look at the important role played by vitamins and minerals in our daily diet for maintaining the good health of our teeth. Having such, a diet can lead to the avoidance of having to visit the best cosmetic dentist in Mumbai. Proper nutrition comprises of well-balanced foods. These foods can go a long way in improving our oral hygiene. A diet, which is lacking in the vital vitamins and minerals, affects the health of your teeth and gums in a variety of negative ways. A poor diet can increase your dental implant cost in Mumbai. A poor diet also makes it more difficult for your mouth to resist infection. Additionally, a body that does not receive the vital vitamins and minerals is likely to not have any nutrients for tissue repair and renewal. This results in increasing incidents of gum disease and such other infections. As you already see, maintaining a healthy balanced diet is crucial for having strong teeth and gums. It is also important to maintain good oral hygiene habits, one of which is paying regular visits to the dentist in Bandra if your teeth are not in good condition. The important vitamins and minerals required for a set of healthy teeth are: Calcium Vitamin D Potassium Phosphorus Vitamin K Vitamin C Vitamin A To get Calcium, cheese, milk, yogurt, broccoli, and salmon are eaten Natural sunlight can give Vitamin D along with fatty fish, canned tuna, and Portobello mushrooms. Milk, orange juice, and cereals can also be had for Vitamin D. Bananas, lima beans, tomatoes, swiss chard, potatoes, sweet potatoes, avocados, and prunes are good sources of Potassium Seafood contains Phosphorus. Scallops, sardines, cod, shrimp, tuna, and salmon are also sources of Phosphorus. Plant-based foods like soybeans, lentils and pumpkin seeds, beef, pork, and cheese contain Phosphorus. Leafy greens such as kale, collards, and spinach are a good source of Vitamin K. Parsley, broccoli and Brussel sprouts are also a good source of Vitamin K. Citrus fruits have Vitamin C along with potatoes and leafy greens. Therefore, you can have these in ample quantity to replenish your source of Vitamin C. Fish, egg yolks and liver all have Vitamin A. Spinach, kale and collard greens or orange-colored fruits and oranges are all full of Vitamin A. Sweet potatoes, apricots and cantaloupe are a good source of Vitamin A Thus, you have seen which are the important sources of Vitamins and Minerals for tooth health.

Implants are the most natural-looking permanent replacements for missing original teeth. An implant is a titanium structure that is inserted into the gums followed by a waiting period of 2-4 months during which healing occurs and bone grows around the implant. Crowns or bridges can then be fitted over these implants to restore function and aesthetics optimally. The procedure is pain-free, minimally invasive and implants are comfortable and virtually indistinguishable from natural teeth.

Dental Implant Cost in Mumbai

Why are dental implants becoming so popular with every passing day? It is because the implant looks as well as functions like a natural tooth Hence, it is the perfect replacement for the missing tooth. It is a structure made from Titanium which is inserted into the gums. Once the gums heal fully (it may take two to three months) and the bone grows around implants, a crown or bridge is fitted on top of it.

Thus, you get the aesthetics as well as functionality restored fully. At Dr Krinita Motwani’s Clinic, you get world-class dental implant by a minimally invasive and pain-free procedure. As the dental implant cost in Mumbai is coming down with every passing year, it becomes a preferred treatment method across the world.

Are you the right candidate for implants?

The ideal candidate for a dental implant should have good general as well as oral health. Patients should have healthy gums and enough bone to hold the implant in place. They must also maintain good oral hygiene and be regular for dental visits If you have a single tooth or multiple teeth missing due to any reason like trauma, injury, tooth decay, accident or aging; then come to Dr Krinita Motwani’s Clinic. It is amongst the top 10 dentist in Mumbai where you get superior treatment and perfect implants.

PRE TREATMENT PREPARATION

Diagnostic tests play a crucial role in deciding about the treatment. Routine blood examination, CBCT scan and OPG are conducted to determine the fitness and feasibility to use the procedure. The entire treatment is done under antibiotic coverage. At Dr Krinita Motwani’s Dental Clinic, you get the best value for the dental implant cost in Mumbai.

PROCEDURE

The entire process takes around 4-6 months and is done in two stages.

During the 1st appointment:

Your surgeon inserts the implant into the jaw bone. Then the surgeon covers the implant with gum tissue to allow the implant to heal properly. Placing a single implant may take as little as 30 minutes, while a complex surgery requiring multiple replacements can take more than 1-2 hours. The entire procedure is done under local anaesthesia and is pain-free. After the implant is placed, the surgeon sends you home with a temporary bridge or denture so that your teeth appear cosmetically intact.

2-3 months later:

You return to the dentist for fabrication of the crown on the dental implant. Measurements are taken for the same and sent to the laboratory. 2 weeks later, you come in for the final fittings. This may take just 1 appointment or you may need to come in multiple times to ensure the correct size, colour and proportion of the new tooth. In some cases, more complex surgery is required and the treatment may take longer. For example - cases in which there is extraction, severe infection or artificial bone augmentation required.

POST TREATMENT CARE

- Take prescribed medication as advised.

- A soft diet like dal, rice, pasta, yogurt etc is recommended for first few days.

- Drink cold liquids like juice, cold milk, buttermilk etc.

- Apply an ice pack from outside after the procedure to aid in the healing process.

- Avoid chewing hard or sticky foods, chewing ice, biting fingernails and using your teeth to open packaging.

NOW LET THE PICTURES DO THE TALKING