wow, What a discovery!they were so since a decade, many have suppressed them for years, thanks to pliable Auditors, thanks to pliable RBI-Audit staff etc. Even now, they are not fully disclosing the status and also not fully computing provision miscalculating security value etc. Unless penalty for suppression of various parameters is introduced to both the Bank and the Auditor who audits, this will continue, effecting investors. Now, add this MSME loan classification relaxations-do they really help a loan / loanee / Bank but market analysts shamelessly claim it as a positive for market (true foe market manipulators, not for Lender or Loanee).