One (Two) Pager on Star Sanjeevani Scheme 2025 for FY 2025-26 as on 16 Apr 2025

Non Discretionary Non Discriminatory Star Sanjeevani Scheme 2025 (valid upto 31 Mar 2026)

Eligibility Criteria The NPA accounts having outstanding up to Rs. 1.00 Crore under Doubtful, Loss and Regular Written
Off category. For Doubtful-I, Doubtful-II and Doubtful-III category, the account must be NPA since
31/12/2023 and the accounts under Loss category must be NPA since 31/03/2023. All type of fund
based NPA accounts except the specific accounts mentioned in this para are covered. Outstanding
balance and the applicable asset code as on 31/03/2025 as per IRAC norms will be reckoned for the
eligibility purpose.
Outstanding Balance as on 31/03/2025 for the accounts under Doubtful, Loss and Written Off
(Regular) should be reckoned as the base amount for arriving acceptable amount of OTS amount.
Any forced debits after 31/03/2025 should be added to the base amount and any recoveries after
31/03/2025 should be subtracted, so after netting the arrived amount will be the base amount for
consideration of OTS.
Harvesting & Transport (H & T) advances are also eligible subject to the condition that if OTS has
been offered by the Borrower, the normal delegate as per scheme can approve. In case OTS has been
offered by the corporate guarantor / guarantor, the same will be approved by ZLCC and above.
Loan against TDR / NSC / KVP / Assignment of Insurance policies / Shares, where proceeds are
appropriated and there are no underlying securities available in the accounts will also be considered
subject to condition that SAR has been examined by Staff Accountability Committee (SAC).
The Star Sanjeevani -2025 scheme is applicable for Overseas NPA accounts also for outstanding up
to Rs. 1.00 Crore and value in terms of rupee will be calculated on the basis of exchange rate
published by the FEDAI as on the last day of previous month of the proposal date for respective
currency.
Wilful default examination should have been completed in the NPA accounts having outstanding Rs.
25.00 lakhs and above and the account is declared as NO WILFUL.
Staff Accountability: Staff accountability aspect, if any, should have been initiated and put up to the
Competent Authority before entertaining the OTS proposal, as per extant guidelines for all cases
having outstanding above Rs. 10.00 Lakhs as on NPA date.

Cases NOT ELIGIBLE Central Govt. / State Govt. guaranteed accounts.

under the scheme (a) NPA upto 2 years – where RVS exceeds the Book Outstanding.
(b) NPA over 2 years and upto 5 years – where RVS exceeds 125% of the book outstanding.
(c) NPA over 5 years – where RVS exceeds 150% of the book outstanding.
"Compromise cases" in any other Scheme/Policy already under repayment and settlement is in force
as on 31/03/2025.
Units under rehabilitation/restructuring (already approved and under implementation).
NPAs declared as Fraud / malfeasance and Wilful Defaulters
Staff and Staff related accounts.
Loan against TDR / NSC / KVP/assignment of INSURANCE policies /shares/ Gold/ Jewellery, where
proceeds are not appropriated and there are underlying securities available in such accounts.

Secured Portion of Realisable Value of Available securities (Primary and Collateral) will be reckoned as Secured as per
an account the latest valuation report which should not be more than one (1) year old.
(a) For the accounts having outstanding below Rs. 25.00 lakhs (except a/cs covered under Para 1),
Primary and Collateral security, which is enforceable under SARFAESI Act 2002 only to be taken as
Secured portion.
(b) For the accounts having outstanding Rs. 25.00 lakhs and above, RVS of Primary and Collateral
security available to be taken as Secured.
Hypothecation of Crops are to be treated as non-compliant security under SARAFESI Act, 2002,
hence value of Crops as primary security will be considered as NIL for the accounts having
outstanding below Rs. 25.00 lakhs for calculation of OTS amount.
In case of Plant & Machinery / Land & building, last inspection of P&M / Immovable property should
have been done, but it should NOT be more than 6 months old from the date of submission of OTS
application.
For arriving the eligible amount for OTS, the value of Stocks / Book Debts to be determined by way
of inspection which is not than 3 months old.
Valuation of Vehicles viz. Truck, Tractor, Car and Two Wheelers etc is to be arrived as per latest
valuation report by an approved Valuer, which should not be more than one (1) year old.
Valuation and other charges will be absorbed to P&L.

Determination of In case of settlement in Loss Assets (40), it is necessary that account should be NPA since last 2
Acceptable Amount years otherwise settlement will be done assuming as per normal asset categorisation.
under the Scheme Example: If an account is in loss category as on 31/03/2025, the account should have been classified
as NPA as on 31/03/2023 to give effect of loss category for purpose of OTS purpose under the
scheme.

Eligible CGTMSE Delegatee can settle CGTMSE covered accounts having book outstanding upto Rs. 1.00 Crore, which
covered accounts are NPA as on cut-off date and 1st claim has been received, on the basis of % of Secured portion
under Doubtful-I, II & (RVS of Primary & Collateral Security) of Book outstanding and Unsecured portion of Book
III, Loss Category Outstanding (Book Outstanding in excess of Secured portion)
with Book Asset Category as on Cut Off Date % of Secured portion % of UnSecured portion
Outstanding up to 31/03/2025 applicable as per IRAC norms Book outstanding Book outstanding
Rs. 1.00 Crore in NPA less than 3 years as on cut-off date 30% 20%
which 1ST CLAIM NPA more than 3 years as on cut-off date 20% 15%
HAS BEEN Acceptable OTS amount will be sum of OTS amount for Secured Portion and OTS amount for
RECEIVED Unsecured portion

Eligible A/cs with Delegatee can settle small value accounts having book outstanding below Rs. 25.00 Lakhs on the
Book Outstanding basis of % of Secured portion (i.e. Value (RVS) of Primary and Collateral Security — enforceable

Prepared by Mr Chinmay Das, Spl Asst. If any discrepancy please info – [email protected]
below Rs. 25 Lakhs under SARFAESI Act,2002) of Book outstanding and Unsecured portion of Book Outstanding (Book
under Doubtful-I, II III, Outstanding in excess of Secured portion)
Loss category (40) & Asset Category as on Cut Off Date % of Secured portion % of UnSecured portion
Regular Written off 31/03/2025 applicable as per IRAC norms Book outstanding Book outstanding
category as on cut off Doubtful-1 (AC-31) 40% 30%
date Doubtful-2 (AC-32) 35% 25%
Doubtful-3 (AC-33) 25% 20%
Loss - (AC - 40) & Regular Written off 10% 10%
Acceptable OTS amount will be sum of OTS amount for Secured portion and sum of unsecured
portion

Eligible A/cs with Delegatee can settle borrower accounts at Acceptable amount, calculated as % of Secured portion
Book Outstanding (RVS of Primary & Collateral Security) of book outstanding and Unsecured portion of Book
Rs. 25.00 Lakhs and Outstanding (Book Outstanding in excess of Secured portion)
above and upto Rs. Asset Category as on Cut Off Date % of Secured portion % of UnSecured portion
50 Lakhs under 31/03/2025 applicable as per IRAC norms Book outstanding Book outstanding
Doubtful-I, II, III, Loss Doubtful-1 (AC-31) 40% 30%
category (40) & Doubtful-2 (AC-32) 35% 25%
Regular Written off Doubtful-3 (AC-33) 25% 20%
category Loss - (AC - 40) & Regular Written off 10% 10%
Acceptable OTS amount will be sum of OTS amount for Secured portion and sum of unsecured
portion

Eligible A/cs with Delegatee can settle borrower account at Acceptable Amount calculated as % of Secured portion
Book Outstanding (RVS of Primary &. Collateral Security) of Book outstanding and Unsecured portion of Book
above Rs. 50 lakhs Outstanding (Book Outstanding in excess of Secured portion)
and upto Rs. 1.00 Asset Category as on Cut Off Date % of Secured portion % of UnSecured portion
Crore under 31/03/2025 applicable as per IRAC norms Book outstanding Book outstanding
Doubtful- I, II, III, Loss Doubtful-1 (AC-31) 55% 40%
category (40) & Doubtful-2 (AC-32) 50% 35%
Regular Written off Doubtful-3 (AC-33) 45% 30%
category Loss - (AC - 40) & Regular Written off 10% 10%
Acceptable OTS amount will be sum of OTS amount for Secured portion and sum of unsecured
portion
For Agriculture accounts having Book outstanding above Rs. 25.00 Lakhs and upto Rs. 100.00 Lakhs,
OTS amount will not be higher than book outstanding.

Delegation Delegation of power for Compromise settlements rests with an authority (individual or committee,
as the case may be) which is at least one level higher in hierarchy than the authority vested with
power to sanction the credit / investment exposure.

e-OTS Our Bank will be shortly launching electronic platform for One Time Settlement (e OTS) through web
mode which will be offered to the borrowers in the NPA accounts having outstanding below Rs. 25.00
lakhs. All such e-OTS proposals are deemed to be PRE-APPROVED under respective delegation of
powers for OTS as per Star Sanjeevani -2025 Scheme. No separate delegation is prescribed for
accounts settled under e-OTS. The e-OTS for NPA accounts having outstanding below Rs. 25.00
lakhs will be covered within the NDND Star Sanjeevani -2025 Scheme

Payment Terms Last date for receipt of application: 31/03/2026

At the time of receipt of application borrower must be advised that maximum repayment period
allowed in the scheme is 90 days.
(a) Minimum Upfront Amount - 10% of OTS offered amount
(b) Interest - No interest payable
(c) Repayment – 90 days
Full OTS amount is to be paid within 90 days from the date of acceptance of OTS. If repayment period
exceeds 90 days from the date of acceptance, OTS will be treated as Revoked and payments already
made till date shall be forfeited and treated as normal recovery.
No OTS proposal to be entertained without receipt of the upfront amount.

Incentive for Early Full Payment of OTS amount within 7 Days from the date of sanction letter - Incentive on OTS amount
Payment is 5%
Full Payment of OTS amount within 30 Days from the date of sanction letter - Incentive on OTS
amount is 3%
If sanctioned OTS was not accepted by the borrower or the OTS has failed in any Compromise
Settlement scheme of the Bank during the last 12 months from date of latest OTS application, such
cases will not be eligible for any incentive even though the borrower may be sanctioned fresh OTS.
OTS under Loss Assets (40) are not eligible for any incentive under this scheme.

Prepared by Mr Chinmay Das, Spl Asst. If any discrepancy please info – [email protected]