C Credit Control monitoring

Credit monitoring is the continuous process of reviewing and tracking the performance of loan accounts to ensure borrowers comply with loan covenants, repayment schedules, and end-use conditions after credit is disbursed.

Temporary manipulation of accounts to appear healthier before reporting dates.

Post-disbursement credit supervision ensures that funds are used for the sanctioned purpose, early warning signals of stress are detected, and corrective action is taken before an account becomes an NPA.

An account showing stress signals but not yet overdue for 90 days.

Early Warning Signals are indicators that suggest a borrower may be heading towards financial stress, such as frequent return of cheques, irregular operations in account, delay in submission of financial statements, or fall in credit summations.

Confirms borrower has cleared all dues to the lending bank.

CIBIL collects and maintains credit records of individuals and commercial entities, and banks use CIBIL reports to monitor existing borrowers for new credit taken elsewhere that may increase overall debt burden.

A separate term loan created to fund accumulated unpaid interest during restructuring.