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Credit Monitoring and Recovery of Bank Loans A Handbook with Practical Approach for Bankers, NBFCs and Finance Managers

Author Name: R.K. Gupta, Himanshu Gupta | Format: Paperback | Genre : Business, Investing & Management | Other Details

This is the first book which is updated to 15.09.2023 for bankers and Lenders on Monitoring of Credit & Recovery of Bank Loan in a very simple language covering various problems being faced by the officers of almost all the banks resulting in a deficiency in due diligence. 

Mounting of NPAs in the banks is reported to be a result of weak appraisal and weak monitoring at various levels resulting in suffering huge losses by the lending institutions.  The monitoring starts from day one when the proposal is received at the branch level for sanction to the date of closure of the account.  This book has covered all such ins and outs to understand the technique for monitoring of all types of borrowal accounts at various stages including stages of pre-sanction, documentation, disbursal, operation, renewal, enhancement, SMA, RFA, NPA, and Recovery through Lok Adalat, SERFAESI, DRT, Settlement/Compromise & IBC. We are confident that this book will prove to be a bible for all Loan Officers/Senior Officials working in banks, NBFCs, or other lending institutions. 

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R.K. Gupta, Himanshu Gupta


Gold Medallist for two consecutive years (1973 & 1974) in Public Sector Bank, the author is a banker having 38 years of experience in credit and continuing as a visiting faculty for the last 15 years specifically on credit appraisal, analysis of financial statements, Working Capital Management, Credit Monitoring & Recovery of Bank Loans; Credit Risk Management in various prestigious institutes like NIBSCOM, IIBF; Amity University, and Staff Training colleges of various banks across India. He is an Adjunct Professor at Bennett University for teaching MBA (BFSI). He has worked at PNB (e-OBC) and made substantial changes in the credit policy of the bank keeping in view the difficulties being faced by the field functionaries and framing credit risk management policy during the period 2005 to 2008 while working at the corporate level.


A graduate in B.Tech (Hons) Information and Technology and MBA (Operations) from IIM-Kozhikode (2011), he currently works as an architect for ERP solutions handling large projects across the globe. With more than two decades of experience in software engineering and management across the industry domain, he is an avid reader with a key interest in technology and operations. He has been visiting faculty in various institutes.  

Three Books widely acknowledged on Credit have been authored by Mr. R.K. GUPTA & HIMANSHU GUPTA which have been mentioned in the last pages of the book.



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