Analyze & Evaluate Credit Risk, NPA & Recovery Frameworks

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Analyze & Evaluate Credit Risk, NPA & Recovery Frameworks

This course is part of Bank Credit Analysis & Portfolio Management Specialization

Instructor: EDUCBA

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3 modules

Gain insight into a topic and learn the fundamentals.

28 reviews

7 hours to complete

Flexible schedule

Learn at your own pace

3 modules

Gain insight into a topic and learn the fundamentals.

28 reviews

7 hours to complete

Flexible schedule

Learn at your own pace

What you'll learn

Analyze secured lending, NPA classification, and credit monitoring systems.
Evaluate provisioning norms and early warning signals for asset quality.
Assess recovery, restructuring, and regulatory frameworks in banking.

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This course is part of the Bank Credit Analysis & Portfolio Management Specialization

When you enroll in this course, you'll also be enrolled in this Specialization.

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There are 3 modules in this course

Develop the ability to analyze secured lending structures, evaluate credit monitoring systems, interpret NPA classification norms, and assess recovery and restructuring frameworks in banking. This course provides a comprehensive understanding of credit portfolio management from charge creation to debt restructuring.

Learners will explore legal modes of creating security interests, drawing power calculation, early warning signals, income recognition standards, asset classification norms, provisioning requirements, and regulatory guidelines on preventing NPA slippage. The course also examines recovery strategies including compromise settlements, Lok Adalat, DRT mechanisms, rehabilitation of sick units, and Corporate Debt Restructuring (CDR). What makes this course unique is its structured progression from preventive credit supervision to advanced recovery and restructuring strategies, aligned with regulatory prudential norms. By completing this course, learners will strengthen their expertise in banking risk management, regulatory compliance, and stressed asset resolution—essential competencies for professionals in banking, finance, and credit administration.

This module examines the legal creation of charge over securities and the supervisory framework governing credit accounts. It introduces the different modes of securing advances, including hypothecation, pledge, and mortgage, and explains their legal implications. The module further explores post-sanction credit monitoring mechanisms such as stock inspection, drawing power calculation, credit review, and early warning signals. Learners gain a structured understanding of how banks protect their exposure and proactively manage credit risk through systematic supervision and operational control.

What's included

6 videos4 assignments

6 videosTotal 56 minutes

Charge Creation in Banking7 minutes
Hypothecation, Pledge & Mortgage7 minutes
Credit Supervision Framework12 minutes
Stock Inspection & Drawing Power11 minutes
Credit Review & Stock Audit11 minutes
Early Warning Signals in Credit9 minutes

4 assignmentsTotal 60 minutes

Legal Foundations and Credit Monitoring30 minutes
Charge Creation and Security Structures10 minutes
Credit Supervision and Operational Control10 minutes
Credit Review and Risk Signals10 minutes

This module focuses on the regulatory framework governing non-performing assets (NPAs), income recognition, and asset classification under prudential norms. It explains how banks classify assets into standard, substandard, doubtful, and loss categories and the provisioning requirements applicable to each. The module also covers Special Mention Accounts (SMA) and strategies to prevent slippage of performing accounts into NPAs. Learners develop a comprehensive understanding of regulatory compliance, risk assessment, and financial stability in credit portfolio management.

What's included

6 videos4 assignments

6 videosTotal 57 minutes

NPAs & Income Recognition9 minutes
Asset Classification Norms12 minutes
Provisioning Requirements6 minutes
NPA Slippage Prevention6 minutes
Special Mention Accounts (SMA)12 minutes
Non-Legal Recovery Measures12 minutes

4 assignmentsTotal 60 minutes

NPA Recognition and Regulatory Asset Framework30 minutes
NPA Definition and Classification10 minutes
Provisioning and Slippage Management10 minutes
Special Monitoring Mechanisms10 minutes

This module explores recovery strategies, legal mechanisms, rehabilitation processes, and debt restructuring frameworks in banking. It examines non-legal and legal recovery channels, including compromise settlements, Lok Adalat, and Debt Recovery Tribunals (DRT). The module also discusses restructuring principles, prudential norms for restructured accounts, and the Corporate Debt Restructuring (CDR) framework. Learners gain insights into balancing recovery efficiency with regulatory compliance while managing stressed assets within a credit portfolio.

What's included

7 videos4 assignments

7 videosTotal 58 minutes

Rehabilitation of Sick Units10 minutes
Compromise Settlement in Banking10 minutes
Lok Adalat & Write-Off Policy8 minutes
Legal Recovery Mechanisms12 minutes
Debt Restructuring Principles7 minutes
Restructured Asset Norms9 minutes
CDR Framework Concepts3 minutes

4 assignmentsTotal 60 minutes

Recovery, Rehabilitation and Debt Restructuring30 minutes
Legal and Institutional Recovery Framework10 minutes
Judicial and Quasi-Judicial Recovery10 minutes
Debt Restructuring and CDR Framework10 minutes

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Instructor

Instructor ratings

(20 ratings)

EDUCBA

1,708 Courses405,445 learners

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EDUCBA

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Reviewed on Jul 3, 2026

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Frequently asked questions

To access course materials, assignments, and earn a Certificate, you'll need to purchase the Certificate experience when you enroll in a course. Eligible learners may also have the option to start with a Free Trial. Some courses may also offer a Full Course, No Certificate option. This lets you access course materials, submit required assessments, and receive a final grade, but you won't be able to earn or purchase a Certificate.

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