This 30 second matter would affect in future. actually i am also working in RCU department of finance one company. i have seen in intention is big isssue for repayment of loan. so finally documents gives support in legal for recovery. in such 30 second Technic. there is possibility of skipping it. under wring process. you can think in 30 second you can not predict to customer. it is slow poisiton step by step NPA would increase and capital loss chances is higher.
