JAIIB · RBWM · Chapter 9

Recovery of Retail Loans - Repayment, Hardships, Recovery Process, NPA Recovery

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Retail Banking and Wealth Management — JAIIB.

1 practice test 101 one-liners 1 PDF note

Quick revision

One-liners from this chapter

Free sample — 8 of 101 rapid-fire Q&A cards.

Construction / Purchase of house or flat?

No upper ceiling in most banks — capped only by repayment capacity & LTV.

Repairs / Renovation / Extension?

Varies bank to bank (typically ₹10 – ₹50 lakh)

Purchase of plot?

Varies bank to bank (often capped at a lower ratio than house)

Household articles for furnishing?

Varies bank to bank (small top-up component)

Up to ₹30 lakh?

10 % (i.e., LTV up to 90 %)

Above ₹30 lakh and up to ₹75 lakh?

20 % (LTV up to 80 %)

Above ₹75 lakh?

25 % (LTV up to 75 %)

Eligibility?

Individuals / Group of Individuals / Members of a Co-op Society owning a house or flat. Regular income from Agriculture / Profession / Trade / Business / Salary. Minimum 3 years confirmed service for the salaried, or 3 years standing in the line for self-employed professionals & businesspersons.

Unlock all 101 one-liners

Self-quiz mode with hidden answers + printable deck.

Open the deck

Test yourself