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Finance Ministry seeks easier norms for infrastructure financing

11 Nov 2013 Evaluate

Concerned over the prevailing high interest rates scenario in the economy impacting the infrastructure development of the country, the finance ministry has written to the Reserve Bank of India (RBI) governor Reghuram Rajan seeking a change in the rules for infrastructure financing and the treatment of non-performing loans to the sector.

Mentioning infrastructure development a most critical prerequisite to revive the economic growth, finance ministry has suggested that the RBI could ease rules for infrastructure projects that are delayed and can also adopt separate implementation of corporate debt restructuring for infrastructure advances. It urged the central bank that refinancing of such projects should be allowed without treating them as restructured loans that require higher provisioning. Refinancing particularly for infrastructure projects is a globally accepted practice due to their long gestation period, however, the refinancing in the country is still on hold owing to the stringent RBI norms. At present, there are around 378 stalled projects worth around Rs 17.23 lakh crore stuck due to delays in various clearances.

The finance ministry has also pitched for a clear distinction between restructuring and rescheduling of loans. It wants that loans to projects delayed due to factors such as land acquisition or environmental clearance to be treated as rescheduling, while, restructuring should be considered for loans in case of total extended repayment programme due to circumstances that may or may not be beyond the developer's control. Moreover, banks should upgrade the risk management system to reduce the number of projects becoming non-performing assets, it recommended.

Infrastructure lending exerts a lot of pressure on the banks as large infrastructure and industrial projects usually have a moratorium period in their loans in which the borrower does not make interest or principal payment. Further, restructuring of infrastructure loans through extension enforces a higher cost on banks as the lenders have to make provision for such assets.

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Finance Ministry seeks easier norms for infrastructure financing

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