Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Mudra loans a big scandal in banking system    </title>
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-Deccan Chronicle

The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.

New Delhi: The Modi government may have to get battle ready soon for cleaning up the Mudra..."/>
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The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.

New Delhi: The Modi government may have to get battle ready soon for cleaning up the Mudra..." />
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                            <div align="justify">-Deccan Chronicle<br /><br /><em>The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.<br /><br />New Delhi: </em>The Modi government may have to get battle ready soon for cleaning up the Mudra loan mess that has added to the concerns of the banking system. The plan to create &ldquo;job creators and not job seekers&rdquo; by disbursing massive credit to micro and small entrepreneurs under the much-trumpeted Mudra Yojana is learnt to have met limited success.<br /><br />A large chunk of such loan accounts is believed to have turned into bad debt as PSU banks in smaller towns and cities take stock of repayments.<br /><br />What seems more troubling is that many bank executives are learnt to have aided the piling of stressed assets by conniving with loanees. Sources in at least two PSU banks told FC that many branch managers had resorted to a so-called 60:40 formula under which borrowers received only 40 per cent of the loan disbursed with the remaining amount going to the sanctioning authority.<br /><br />The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest. As the loans had been repaid regularly for a year, the account was saved from going into &ldquo;quick mortality.&rdquo; Later, when repayment stopped, the account was shown as genuine business failure thus protecting the bank executive from scrutiny or penal action with the loanee also hiding behind the &ldquo;business failures.&rdquo;<br /><br />Quick mortality accounts are defined as bank accounts, which become NPA within one year of original sanction or first disbursement, and in case of housing loan within one year from the date of commencement of instalment, whichever is later.<br /><br />&ldquo;The 60:40 formula is quite popular in our bank. You just need to ask any bank manager as to what percentage of borrowers of Mudra loan are repaying loans after a year,&rdquo; said a middle-level officer at a PSU bank in the North East region. A senior manager at SBI in Uttarakhand agreed, saying there were a lot of deficiencies in the scheme which are now coming to the fore. &ldquo;After three years, data is being available now on Mudra loans. I have seen more than half of the loan accounts, almost 60 per cent, turning into NPA in our area. Since these loans were given without collateral there is very slim possibility of recovery,&rdquo; he noted.<br /><br />Please <a href="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html" title="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html">click here</a> to read more. <br /></div>                                                           
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The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.

New Delhi: The Modi government may have to get battle ready soon for cleaning up the Mudra..."/>
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                            <div align="justify">-Deccan Chronicle<br /><br /><em>The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.<br /><br />New Delhi: </em>The Modi government may have to get battle ready soon for cleaning up the Mudra loan mess that has added to the concerns of the banking system. The plan to create &ldquo;job creators and not job seekers&rdquo; by disbursing massive credit to micro and small entrepreneurs under the much-trumpeted Mudra Yojana is learnt to have met limited success.<br /><br />A large chunk of such loan accounts is believed to have turned into bad debt as PSU banks in smaller towns and cities take stock of repayments.<br /><br />What seems more troubling is that many bank executives are learnt to have aided the piling of stressed assets by conniving with loanees. Sources in at least two PSU banks told FC that many branch managers had resorted to a so-called 60:40 formula under which borrowers received only 40 per cent of the loan disbursed with the remaining amount going to the sanctioning authority.<br /><br />The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest. As the loans had been repaid regularly for a year, the account was saved from going into &ldquo;quick mortality.&rdquo; Later, when repayment stopped, the account was shown as genuine business failure thus protecting the bank executive from scrutiny or penal action with the loanee also hiding behind the &ldquo;business failures.&rdquo;<br /><br />Quick mortality accounts are defined as bank accounts, which become NPA within one year of original sanction or first disbursement, and in case of housing loan within one year from the date of commencement of instalment, whichever is later.<br /><br />&ldquo;The 60:40 formula is quite popular in our bank. You just need to ask any bank manager as to what percentage of borrowers of Mudra loan are repaying loans after a year,&rdquo; said a middle-level officer at a PSU bank in the North East region. A senior manager at SBI in Uttarakhand agreed, saying there were a lot of deficiencies in the scheme which are now coming to the fore. &ldquo;After three years, data is being available now on Mudra loans. I have seen more than half of the loan accounts, almost 60 per cent, turning into NPA in our area. Since these loans were given without collateral there is very slim possibility of recovery,&rdquo; he noted.<br /><br />Please <a href="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html" title="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html">click here</a> to read more. <br /></div>                                                           
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-Deccan Chronicle

The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.

New Delhi: The Modi government may have to get battle ready soon for cleaning up the Mudra..." />
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    <h1 class="cat-box-title">Mudra loans a big scandal in banking system</h1>
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                            <div align="justify">-Deccan Chronicle<br /><br /><em>The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest.<br /><br />New Delhi: </em>The Modi government may have to get battle ready soon for cleaning up the Mudra loan mess that has added to the concerns of the banking system. The plan to create &ldquo;job creators and not job seekers&rdquo; by disbursing massive credit to micro and small entrepreneurs under the much-trumpeted Mudra Yojana is learnt to have met limited success.<br /><br />A large chunk of such loan accounts is believed to have turned into bad debt as PSU banks in smaller towns and cities take stock of repayments.<br /><br />What seems more troubling is that many bank executives are learnt to have aided the piling of stressed assets by conniving with loanees. Sources in at least two PSU banks told FC that many branch managers had resorted to a so-called 60:40 formula under which borrowers received only 40 per cent of the loan disbursed with the remaining amount going to the sanctioning authority.<br /><br />The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest. As the loans had been repaid regularly for a year, the account was saved from going into &ldquo;quick mortality.&rdquo; Later, when repayment stopped, the account was shown as genuine business failure thus protecting the bank executive from scrutiny or penal action with the loanee also hiding behind the &ldquo;business failures.&rdquo;<br /><br />Quick mortality accounts are defined as bank accounts, which become NPA within one year of original sanction or first disbursement, and in case of housing loan within one year from the date of commencement of instalment, whichever is later.<br /><br />&ldquo;The 60:40 formula is quite popular in our bank. You just need to ask any bank manager as to what percentage of borrowers of Mudra loan are repaying loans after a year,&rdquo; said a middle-level officer at a PSU bank in the North East region. A senior manager at SBI in Uttarakhand agreed, saying there were a lot of deficiencies in the scheme which are now coming to the fore. &ldquo;After three years, data is being available now on Mudra loans. I have seen more than half of the loan accounts, almost 60 per cent, turning into NPA in our area. Since these loans were given without collateral there is very slim possibility of recovery,&rdquo; he noted.<br /><br />Please <a href="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html" title="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html" class="re" target="_blank">Deccan Chronicle, 27 August, 2018, https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html</a><div class="clear"></div>
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Home हिन्दी

Mudra loans a big scandal in banking system

Published on Aug 28, 2018   Modified on Aug 28, 2018

-Deccan Chronicle The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest. New Delhi: The Modi government may have to get battle ready soon for cleaning up the Mudra loan mess that has added to the concerns of the banking system. The plan to create “job creators and not job seekers” by disbursing massive credit to micro and small entrepreneurs under the much-trumpeted Mudra Yojana is learnt to have met limited success. A large chunk of such loan accounts is believed to have turned into bad debt as PSU banks in smaller towns and cities take stock of repayments. What seems more troubling is that many bank executives are learnt to have aided the piling of stressed assets by conniving with loanees. Sources in at least two PSU banks told FC that many branch managers had resorted to a so-called 60:40 formula under which borrowers received only 40 per cent of the loan disbursed with the remaining amount going to the sanctioning authority. The managers used a part of the 60 per cent amount to repay the Mudra loan for a year and pocketed the rest. As the loans had been repaid regularly for a year, the account was saved from going into “quick mortality.” Later, when repayment stopped, the account was shown as genuine business failure thus protecting the bank executive from scrutiny or penal action with the loanee also hiding behind the “business failures.” Quick mortality accounts are defined as bank accounts, which become NPA within one year of original sanction or first disbursement, and in case of housing loan within one year from the date of commencement of instalment, whichever is later. “The 60:40 formula is quite popular in our bank. You just need to ask any bank manager as to what percentage of borrowers of Mudra loan are repaying loans after a year,” said a middle-level officer at a PSU bank in the North East region. A senior manager at SBI in Uttarakhand agreed, saying there were a lot of deficiencies in the scheme which are now coming to the fore. “After three years, data is being available now on Mudra loans. I have seen more than half of the loan accounts, almost 60 per cent, turning into NPA in our area. Since these loans were given without collateral there is very slim possibility of recovery,” he noted. Please click here to read more.

Deccan Chronicle, 27 August, 2018, https://www.deccanchronicle.com/business/in-other-news/270818/mudra-loans-a-big-scandal-in-the-banking-system.html

Tagged with: Non-Performing Assets Non-Performing Assets (NPAs) Bank Frauds MUDRA (Micro Units Refinance and Development Agency) MUDRA scheme Mudra loans

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