The Supreme Court recently asked the Centre and the Reserve Bank of India about the steps taken to implement the K.V. Kamath Committee report on recommendations to bail out sectors affected by the COVID-19 pandemic.
In August this year, RBI set up a committee headed by K.V. Kamath on restructuring of loans impacted by the Covid-19 pandemic.
The Committee was tasked to recommend parameters for one-time restructuring of corporate loans.
Graded approach to restructuring of stressed accounts based on severity of the impact on the borrowers- Banks can classify the accounts into mild, moderate and severe as recommended by the committee.
Five financial parameters to gauge the health of sectors facing difficulties- total outside liabilities to adjusted tangible net worth, total debt to earnings before interest, taxes, depreciation, and amortization (Ebitda), debt service coverage ratio (DSCR), current ratio and average debt service coverage ratio (ADSCR).
26 sectors have been identified including auto, aviation, construction, hospitality, power, real estate and tourism.
Study planner is an invaluable tool for students, enabling them to assess
their strengths and weaknesses through tests. It calculates the optimal daily study time
required to cover the syllabus. This personalized approach enhances productivity and fosters
effective time management, ultimately boosting academic performance.
PERSONALISED TEST
A personalized test allows students to select their preferred topic and
subtopic from the curriculum. It generates a tailored examination by randomly selecting
questions related to their choices. This approach promotes engagement, reinforces specific
learning objectives, and fosters a deeper understanding of the material through active
participation in the assessment process.
PREDECTIVE ANALYTICS
The analytics system tracks the time spent and records correct answers for
all questions attempted. It compiles this data into analyses, offering students valuable
insights into their preparation, identifying strengths and weaknesses, and helping them
optimize their study strategies for improved performance.