Learn / Playbooks / RBI reporting and asset classification
RBI reporting and asset classification
A new RBI circular lands and an inspection is planned. You need to show correct classification and compliance. Tag NPAs and SMAs correctly, track circulars, and be ready for inspection.
11 steps · 12 tools (3 free) · for risk analysts at banks and NBFCs
Tools you will use
This playbook is free to read. The prompt for each step is inside its tool. See the Pro tools.
Check these first
Each tool asks the same questions and gives you a prompt to build whatever is missing.
The steps, in order
Each step names the tool to open.
Set up
Tape, restructuring flags and product tables.
The base for every classification.
Classify
The rules, and how to test your tagging against them.
SMA-0, 1 and 2 and the reporting that follows.
Track these accounts separately.
Comply
What changed, who owns it, and by when.
Checks for lending through apps and partners.
Disclosure checks on loan terms.
What you send to bureaus must match your books.
Prepare
Evidence, owners and answers ready before they ask.
Track every open observation to closure.
Check before you send
- Tagging is tested on a sample against the written rule, with exceptions listed.
- Every circular has an owner, an action and a date.
- Bureau data matches the books for the same date.
- Interpretation of any rule is signed off by compliance.
Warning signs
What you hand over
A classification check, a circular tracker and an inspection pack. Regulatory points need compliance review before use.
In your profile
Once you are signed in, your profile shows which steps you can run with the tools you own, and which tools you still need.