{"id":5680,"date":"2026-05-03T16:44:47","date_gmt":"2026-05-03T16:44:47","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=5680"},"modified":"2026-05-03T16:44:48","modified_gmt":"2026-05-03T16:44:48","slug":"rbi-circulars-23-36-dated-27-04-2026-amendments-to-directions-asset-classification-provisioning-and-income-recognition","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/05\/03\/rbi-circulars-23-36-dated-27-04-2026-amendments-to-directions-asset-classification-provisioning-and-income-recognition\/","title":{"rendered":"RBI Circulars 23-36 Dated 27\/04\/2026 &#8211; Amendments to Directions- Asset classification, Provisioning, and Income Recognition\u00a0"},"content":{"rendered":"\n<p>\u00a0A significant change is a shift from how banks recognise bad loans and set aside provisions. Banks will now move from the old \u2018incurred loss\u2019 model to a\u00a0 forward-looking Expected Credit Loss (ECL) model. The ECL model requires banks to build sufficient buffers on the basis of the likely losses an asset will incur. To measure ECL, banks should assess whether the credit risk on a financial instrument has increased significantly since initial recognition. A bank shall recognise loss allowance using a \u2018three-stage\u2019 approach, based on changes in credit risk since initial recognition. The banks shall compute Stage 1 ECL using a 12-month Probability of Default (PD) and Stage 2 ECL using a lifetime PD. The new rules retain the definition of a non-performing asset (NPA), which defines it as a loan which has not been repaid for 90 days straight<\/p>\n\n\n\n<p><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/23DOR27042026379A5D0D59CC4500958CC0AC56A3C8F6.PDF\"><em>(Link:&nbsp;RBI Circular 23\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/24DOR27042026D5FAFF4D1C1A4F209F9F3FA386284C73.PDF\"><em>24\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/25DOR27042026269CC95694CA4E38A45B8319EAEDE6FD.PDF\"><em>25\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/26DOR27042026733E2D2A91BF47259B26D589A70CA528.PDF\"><em>26\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NOTI275D15CF58136D4780BB05FCFF4C492998.PDF\"><em>27\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NOTI285C4A71651B6340CB87A70707696834E8.PDF\"><em>28\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NOTI29250DAA33E8FD4FB0B7680453870F9447.PDF\"><em>29\/2026<\/em><\/a><em>,&nbsp;&nbsp;&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NOTI3015E65B51BC974DE09522B15EBF0A1A8D.PDF\"><em>30\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/9NOFHC_27042026724CCE0A9AB64C55A3F06207CDC7830E.PDF\"><em>31\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/10UCB_27042026D254BB8B84E94D18AEAA5D65479D9833.PDF\"><em>32\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/11PNCA_270420267F340810E22549159505F6EF8C17748A.PDF\"><em>33\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/12MDI_2704202618608902D37945FEB563837425A65E03.PDF\"><em>34\/2026<\/em><\/a><em>,&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/13PDSCB_27042026857B1520A46C40E3B1AAA206842201E4.PDF\"><em>35\/2026<\/em><\/a><em>&nbsp;<\/em><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/14RDIRACP_270420264878E504865D4B2191A0841106839454.PDF\"><em>and 36\/2026, all Dated 27\/04\/2026)<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0A significant change is a shift from how banks recognise bad loans and set aside provisions. Banks will now move [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[72,77],"tags":[],"class_list":["post-5680","post","type-post","status-publish","format-standard","hentry","category-rbi","category-circulars-rbi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Circulars 23-36 Dated 27\/04\/2026 - Amendments to Directions- Asset classification, Provisioning, and Income Recognition\u00a0 - Bhatia Bhola &amp; Associates LLP<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bhatiabhola.com\/index.php\/blog\/2026\/05\/03\/rbi-circulars-23-36-dated-27-04-2026-amendments-to-directions-asset-classification-provisioning-and-income-recognition\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Circulars 23-36 Dated 27\/04\/2026 - Amendments to Directions- Asset classification, Provisioning, and Income Recognition\u00a0 - Bhatia Bhola &amp; Associates LLP\" \/>\n<meta property=\"og:description\" content=\"\u00a0A significant change is a shift from how banks recognise bad loans and set aside provisions. 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