Is There a Time to Fix NPS?

A lot of regulatory tightening has happened in the last few years. The asset quality review which started in 2016, where a lot of these corporates were eventually classified into the NPS segment. And I think if you look at recent the discussion paper by the Reserve Bank of India, which has proposed maybe migration of the banks on expected credit loss. So that way, there has been a very prudent developments from the regulatory side to recognize this stress upfront and provide it upfront.