{"id":133632,"date":"2026-07-22T15:28:13","date_gmt":"2026-07-22T09:58:13","guid":{"rendered":"https:\/\/pwonlyias.com\/hi\/?p=133632"},"modified":"2026-07-22T15:28:13","modified_gmt":"2026-07-22T09:58:13","slug":"specified-non-financial-assets-snfas","status":"publish","type":"post","link":"https:\/\/pwonlyias.com\/hi\/current-affairs\/specified-non-financial-assets-snfas\/","title":{"rendered":"\u0935\u093f\u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 (SNFAs)"},"content":{"rendered":"<h4 style=\"text-align: justify;\"><strong>\u0938\u0902\u0926\u0930\u094d\u092d<\/strong><\/h4>\n<p style=\"text-align: justify;\">\u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902<strong> \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 <\/strong>\u0928\u0947<strong> \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092c\u0948\u0902\u0915 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 <\/strong>\u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u0905\u0926\u094d\u092f\u0924\u0928 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f<strong> \u2018\u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901\u2019 (Specified Non-Financial Assets\u2013 SNFAs) <\/strong>\u0928\u093e\u092e\u0915 \u0928\u0908<strong> \u0928\u093f\u092f\u093e\u092e\u0915\u0940\u092f \u0936\u094d\u0930\u0947\u0923\u0940 <\/strong>\u092a\u094d\u0930\u093e\u0930\u0902\u092d \u0915\u0940 \u0939\u0948\u0964<\/p>\n<ul style=\"text-align: justify;\">\n<li>\u0907\u0928 <strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u0940 \u092c\u093f\u0915\u094d\u0930\u0940 \u092e\u0941\u0916\u094d\u092f\u0924\u0903 <strong>\u0938\u0930\u092b\u0947\u0938\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e (<\/strong><strong>SARFAESI Act)<\/strong> \u0915\u0947 \u0938\u093f\u0926\u094d\u0927\u093e\u0902\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0930\u0942\u092a <strong>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0928\u0940\u0932\u093e\u092e\u0940<\/strong> \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0915\u0940 \u091c\u093e\u090f\u0917\u0940 \u0924\u0925\u093e \u0907\u0928\u094d\u0939\u0947\u0902 <strong>\u092e\u0942\u0932 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e<\/strong> \u0905\u0925\u0935\u093e \u0909\u0938\u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 <strong>\u092a\u0915\u094d\u0937\u0915\u093e\u0930\u094b\u0902<\/strong> \u0915\u094b \u092a\u0941\u0928\u0903 \u0928\u0939\u0940\u0902 \u092c\u0947\u091a\u093e \u091c\u093e \u0938\u0915\u0947\u0917\u093e\u0964<\/li>\n<\/ul>\n<span class=\"vc_green_button\"><\/p>\n<table style=\"width: 99.7356%;\" width=\"624\">\n<tbody>\n<tr>\n<td style=\"width: 100%;\">\n<h4><strong>\u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u093e\u0907\u091c\u0947\u0936\u0928 \u090f\u0902\u0921 \u0930\u093f\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0911\u092b \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u090f\u0938\u0947\u091f\u094d\u0938 \u090f\u0902\u0921 \u090f\u0928\u092b\u094b\u0930\u094d\u0938\u092e\u0947\u0902\u091f \u0911\u092b \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f (<\/strong><strong>SARFAESI) \u0905\u0927\u093f\u0928\u093f\u092f\u092e (\u0938\u0930\u092b\u0947\u0938\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e), 2002 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902<\/strong><\/h4>\n<ul>\n<li>\u092f\u0939 \u092c\u0948\u0902\u0915\u094b\u0902 \u090f\u0935\u0902 <strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902<\/strong> \u0915\u094b <strong>\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (<\/strong><strong>NPAs)<\/strong> \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u0926\u0940\u0930\u094d\u0918 \u0928\u094d\u092f\u093e\u092f\u093f\u0915 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u093e \u0938\u0939\u093e\u0930\u093e \u0932\u093f\u090f \u092c\u093f\u0928\u093e <strong>\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 (<\/strong><strong>NPAs)<\/strong> \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<li><strong>\u092a\u094d\u0930\u092e\u0941\u0916 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928<\/strong>\n<ul>\n<li><strong>\u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0915\u093e \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928:<\/strong> <strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u090b\u0923\u0926\u093e\u0924\u093e<\/strong> \u0928\u094d\u092f\u093e\u092f\u093e\u0932\u092f \u0915\u0947 \u092a\u0942\u0930\u094d\u0935 \u0939\u0938\u094d\u0924\u0915\u094d\u0937\u0947\u092a \u0915\u0947 \u092c\u093f\u0928\u093e <strong>\u092c\u0915\u093e\u092f\u093e\u0926\u093e\u0930<\/strong> \u0915\u0940 <strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u092a\u0930 \u0905\u0927\u093f\u0915\u093e\u0930 \u0915\u0930 <strong>\u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f<\/strong> \u0915\u093e \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<li><strong>\u090f\u0938\u0947\u091f \u0930\u093f\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928:<\/strong> \u092f\u0939 \u0905\u0927\u093f\u0928\u093f\u092f\u092e <strong>\u090f\u0938\u0947\u091f \u0930\u093f\u0915\u0902\u0938\u094d\u091f\u094d\u0930\u0915\u094d\u0936\u0928 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 (<\/strong><strong>ARCs)<\/strong> \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u090f\u0935\u0902 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0915\u093e \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u0935\u0947 <strong>\u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u093e \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u090f\u0935\u0902 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0915\u0930 \u0938\u0915\u0947\u0902\u0964<\/li>\n<li><strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u092c\u093f\u0915\u094d\u0930\u0940:<\/strong> <strong>\u0905\u0927\u093f\u0915\u0943\u0924<\/strong> \u0915\u0930\u0928\u0947 \u0915\u0947 \u092a\u0936\u094d\u091a\u093e\u0924\u094d <strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u090b\u0923\u0926\u093e\u0924\u093e<\/strong> \u092c\u0915\u093e\u092f\u093e \u0930\u093e\u0936\u093f \u0915\u0940 \u0935\u0938\u0942\u0932\u0940 \u0939\u0947\u0924\u0941 <strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u0940 \u092c\u093f\u0915\u094d\u0930\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<li><strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0915\u093e \u0905\u092a\u0940\u0932 \u0915\u093e \u0905\u0927\u093f\u0915\u093e\u0930:<\/strong> <strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e<\/strong><strong>,<\/strong> \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0935\u093f\u0927\u093f\u0915 \u0922\u093e\u0901\u091a\u0947 \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 <strong>\u090b\u0923 \u0935\u0938\u0942\u0932\u0940 \u0905\u0927\u093f\u0915\u0930\u0923 (<\/strong><strong>DRT)<\/strong> \u0915\u0947 \u0938\u092e\u0915\u094d\u0937 <strong>\u090b\u0923\u0926\u093e\u0924\u093e<\/strong> \u0915\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0915\u094b \u091a\u0941\u0928\u094c\u0924\u0940 \u0926\u0947 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<li><strong>\u0905\u092a\u0935\u093e\u0926:<\/strong> \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903 \u092f\u0939 \u0905\u0927\u093f\u0928\u093f\u092f\u092e <strong>\u0915\u0943\u0937\u093f \u092d\u0942\u092e\u093f<\/strong> \u0924\u0925\u093e \u0915\u0941\u091b \u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f <strong>\u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f\u094d\u0938<\/strong> \u092a\u0930 \u0932\u093e\u0917\u0942 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\"><\/span>\n<span class=\"vc_green_button\"><\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><strong>\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (<\/strong><strong>NPA) \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902<\/strong><\/h4>\n<ul>\n<li style=\"text-align: justify;\"><strong>\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (<\/strong><strong>NPA)<\/strong> \u0935\u0939 <strong>\u090b\u0923<\/strong> \u0905\u0925\u0935\u093e <strong>\u0905\u0917\u094d\u0930\u093f\u092e<\/strong> \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 <strong>\u092e\u0942\u0932\u0927\u0928<\/strong> \u0905\u0925\u0935\u093e <strong>\u092c\u094d\u092f\u093e\u091c<\/strong> \u0915\u093e \u092d\u0941\u0917\u0924\u093e\u0928 <strong>90 \u0926\u093f\u0928\u094b\u0902<\/strong> \u0938\u0947 \u0905\u0927\u093f\u0915 \u0938\u092e\u092f \u0924\u0915 \u092c\u0915\u093e\u092f\u093e \u0930\u0939\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a \u0935\u0939 <strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong> \u092c\u0948\u0902\u0915 \u0915\u0947 \u0932\u093f\u090f \u0906\u092f \u0915\u093e \u0938\u094d\u0930\u094b\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<li><strong>NPA \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930<\/strong>\n<ul>\n<li style=\"text-align: justify;\"><strong>\u0905\u0927\u094b\u092e\u093e\u0928\u0915 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (\u0938\u092c\u0938\u094d\u091f\u0948\u0902\u0921\u0930\u094d\u0921 \u090f\u0938\u0947\u091f):<\/strong> \u0910\u0938\u0940 <strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong>, \u091c\u093f\u0938\u0947 <strong>12 \u092e\u093e\u0939<\/strong> \u0905\u0925\u0935\u093e \u0909\u0938\u0938\u0947 \u0915\u092e \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u093f\u090f <strong>NPA<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u094b\u0964<\/li>\n<li style=\"text-align: justify;\"><strong>\u0938\u0902\u0926\u0947\u0939\u093e\u0938\u094d\u092a\u0926 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (\u0921\u093e\u0909\u091f\u092b\u0941\u0932 \u090f\u0938\u0947\u091f):<\/strong> \u0910\u0938\u0940 <strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong>, \u091c\u094b <strong>12 \u092e\u093e\u0939<\/strong> \u0924\u0915 <strong>\u0938\u092c\u0938\u094d\u091f\u0948\u0902\u0921\u0930\u094d\u0921 \u090f\u0938\u0947\u091f<\/strong> \u0915\u0940 \u0936\u094d\u0930\u0947\u0923\u0940 \u092e\u0947\u0902 \u092c\u0928\u0940 \u0930\u0939\u0940 \u0939\u094b\u0964<\/li>\n<li style=\"text-align: justify;\"><strong>\u00a0\u0939\u093e\u0928\u093f\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (\u0932\u0949\u0938 \u090f\u0938\u0947\u091f):<\/strong> \u0910\u0938\u0940 <strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong>, \u091c\u093f\u0938\u0947 <strong>\u0935\u0938\u0942\u0932\u0940 \u092f\u094b\u0917\u094d\u092f \u0928\u0939\u0940\u0902<\/strong> (Uncollectible) \u0905\u0925\u0935\u093e \u0907\u0924\u0928\u0947 \u0915\u092e \u092e\u0942\u0932\u094d\u092f \u0915\u0940 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0909\u0938\u0915\u093e <strong>\u092c\u0948\u0902\u0915 \u092f\u094b\u0917\u094d\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092c\u0928\u0947 \u0930\u0939\u0928\u093e \u0909\u091a\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948, \u092f\u0926\u094d\u092f\u092a\u093f \u0909\u0938\u0938\u0947 \u0915\u0941\u091b <strong>\u0935\u0938\u0942\u0932\u0940 \u092e\u0942\u0932\u094d\u092f<\/strong> \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/span>\n<h4 style=\"text-align: justify;\"><strong>\u0935\u093f\u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 (<\/strong><strong>SNFAs) \u0915\u094d\u092f\u093e \u0939\u0948\u0902?\u00a0<\/strong><\/h4>\n<ul style=\"text-align: justify;\">\n<li><strong>\u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 (<\/strong><strong>SNFAs)<\/strong> \u0938\u0947 \u0906\u0936\u092f \u0909\u0928 <strong>\u0905\u091a\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0938\u0947 \u0939\u0948, \u091c\u093f\u0928\u094d\u0939\u0947\u0902 <strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e\u0913\u0902<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e <strong>\u090b\u0923<\/strong> \u0915\u093e \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0928 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902 <strong>\u092c\u0948\u0902\u0915<\/strong> \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0928\u092e\u0947\u0902 <strong>\u0906\u0935\u093e\u0938\u0940\u092f \u092d\u0935\u0928<\/strong><strong>, \u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901, \u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u092d\u0942\u092e\u093f<\/strong> \u0905\u0925\u0935\u093e <strong>\u092c\u0915\u093e\u092f\u093e \u090b\u0923<\/strong> \u0915\u0947 \u0928\u093f\u092a\u091f\u093e\u0928 \u092e\u0947\u0902 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0940 \u0917\u0908 \u0905\u0928\u094d\u092f <strong>\u0905\u091a\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901<\/strong> \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964\n<ul>\n<li>\u0907\u0928 <strong>\u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0938\u093e\u092e\u093e\u0928\u094d\u092f <strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0930\u093f\u091a\u093e\u0932\u0928\u094b\u0902<\/strong> \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0924\u0925\u093e \u0907\u0928\u094d\u0939\u0947\u0902 \u092e\u0941\u0916\u094d\u092f\u0924\u0903 <strong>\u0935\u0938\u0942\u0932\u0940<\/strong> \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u0947 \u0930\u0916\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<li><strong>RBI<\/strong> \u0915\u0947 <strong>\u0924\u0943\u0924\u0940\u092f \u0938\u0902\u0936\u094b\u0927\u0928 \u0928\u093f\u0926\u0947\u0936<\/strong><strong>, 2026<\/strong> \u092e\u0947\u0902 <strong>\u092c\u0915\u093e\u092f\u093e\u0926\u093e\u0930\u094b\u0902<\/strong> \u0938\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0910\u0938\u0940 <strong>\u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u0947 <strong>\u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923<\/strong><strong>, \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928, \u092a\u094d\u0930\u092c\u0902\u0927\u0928<\/strong> \u0924\u0925\u093e <strong>\u0928\u093f\u0938\u094d\u0924\u093e\u0930\u0923<\/strong> \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0935\u094d\u092f\u093e\u092a\u0915 \u0922\u093e\u0901\u091a\u093e \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<h4 style=\"text-align: justify;\"><strong>\u0928\u090f \u0922\u093e\u0901\u091a\u0947 \u0915\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928<\/strong><strong>\u00a0<\/strong><\/h4>\n<ul style=\"text-align: justify;\">\n<li><strong>\u092c\u0948\u0902\u0915<\/strong> \u0915\u093f\u0938\u0940 <strong>SNFA<\/strong> \u0915\u093e \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u0924\u092d\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u092c <strong>\u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e<\/strong> \u0915\u093e <strong>\u090b\u0923<\/strong> \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 <strong>\u0917\u0948\u0930-\u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f (<\/strong><strong>NPA)<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0939\u094b \u091c\u093e\u090f\u0964<\/li>\n<li>\u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u092e\u0947\u0902 <strong>\u092c\u0948\u0902\u0915<\/strong> \u0915\u0947 <strong>\u092c\u0915\u093e\u092f\u093e \u091c\u094b\u0916\u093f\u092e (<\/strong><strong>Outstanding Exposure)<\/strong> \u0915\u093e \u092a\u0942\u0930\u094d\u0923 \u0905\u0925\u0935\u093e \u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u092a\u091f\u093e\u0928 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n<li>\u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 <strong>\u0935\u093e\u0923\u093f\u091c\u094d\u092f\u093f\u0915 \u092c\u0948\u0902\u0915<\/strong> \u0915\u094b <strong>SNFA<\/strong> \u0915\u0947 <strong>\u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923\/\u0928\u093f\u0938\u094d\u0924\u093e\u0930\u0923<\/strong> \u092a\u0930 \u090f\u0915 \u0935\u093f\u0938\u094d\u0924\u0943\u0924 <strong>\u0906\u0902\u0924\u0930\u093f\u0915 \u0928\u0940\u0924\u093f<\/strong> \u092c\u0928\u093e\u0928\u0940 \u0939\u094b\u0917\u0940, \u091c\u093f\u0938\u092e\u0947\u0902 <strong>\u092a\u093e\u0924\u094d\u0930\u0924\u093e \u092e\u093e\u0928\u0926\u0902\u0921<\/strong><strong>, \u0905\u0928\u0941\u092e\u094b\u0926\u0928 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e<\/strong> \u0924\u0925\u093e <strong>\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong> \u0915\u0947 \u0905\u0927\u093f\u0917\u094d\u0930\u0939\u0923 \u0938\u0947 \u092a\u0942\u0930\u094d\u0935 \u0915\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 <strong>\u0935\u0938\u0942\u0932\u0940 \u092a\u094d\u0930\u092f\u093e\u0938\u094b\u0902<\/strong> \u0915\u093e \u0909\u0932\u094d\u0932\u0947\u0916 \u0939\u094b\u0917\u093e\u0964<\/li>\n<li><strong>\u092a\u094d\u0930\u0924\u093f\u0937\u0947\u0927:<\/strong> <strong>\u092c\u0948\u0902\u0915<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u0941\u0928\u0903 \u0905\u0927\u093f\u0915\u093e\u0930 \u092e\u0947\u0902 \u0932\u0940 \u0917\u0908 <strong>\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u094b <strong>\u092e\u0942\u0932 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e<\/strong> \u0905\u0925\u0935\u093e \u0909\u0938\u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 <strong>\u092a\u0915\u094d\u0937\u0915\u093e\u0930\u094b\u0902<\/strong> \u0915\u094b \u092a\u0941\u0928\u0903 \u0928\u0939\u0940\u0902 \u092c\u0947\u091a\u093e \u091c\u093e \u0938\u0915\u0947\u0917\u093e, \u092d\u0932\u0947 \u0939\u0940 \u0935\u0939 <strong>\u0938\u0902\u092a\u0924\u094d\u0924\u093f<\/strong> \u092c\u093e\u0926 \u092e\u0947\u0902 <strong>SNFA<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0928 \u0930\u0939\u0947\u0964<\/li>\n<li><strong>\u0932\u0947\u0916\u093e\u0902\u0915\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e:<\/strong> <strong>SNFAs<\/strong> \u0915\u094b <strong>\u0938\u0915\u0932 \u090f\u0928\u092a\u0940\u090f<\/strong>, <strong>\u0936\u0941\u0926\u094d\u0927 \u090f\u0928\u092a\u0940\u090f (Net NPA)<\/strong>\u00a0 \u0905\u0925\u0935\u093e <strong>\u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902<\/strong> \u0915\u093e \u092d\u093e\u0917 \u0928\u0939\u0940\u0902 \u092e\u093e\u0928\u093e \u091c\u093e\u090f\u0917\u093e\u0964 \u0907\u0938\u0915\u0947 \u0938\u094d\u0925\u093e\u0928 \u092a\u0930 \u0907\u0928\u094d\u0939\u0947\u0902 <strong>\u092c\u0948\u0902\u0915<\/strong> \u0915\u0940 <strong>\u092c\u0948\u0932\u0947\u0902\u0938 \u0936\u0940\u091f<\/strong> \u092e\u0947\u0902 <strong>&#8220;\u0926\u093e\u0935\u094b\u0902 \u0915\u0940 \u0938\u0902\u0924\u0941\u0937\u094d\u091f\u093f \u092e\u0947\u0902 \u0905\u0930\u094d\u091c\u093f\u0924 \u0917\u0948\u0930-\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901&#8221;<\/strong> \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u0943\u0925\u0915 \u0926\u0930\u094d\u0936\u093e\u092f\u093e \u091c\u093e\u090f\u0917\u093e\u0964<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0938\u0902\u0926\u0930\u094d\u092d \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 \u0928\u0947 \u0924\u0928\u093e\u0935\u0917\u094d\u0930\u0938\u094d\u0924 \u092c\u0948\u0902\u0915 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0915\u094b \u0905\u0926\u094d\u092f\u0924\u0928 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u2018\u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901\u2019 (Specified Non-Financial Assets\u2013 SNFAs) \u0928\u093e\u092e\u0915 \u0928\u0908 \u0928\u093f\u092f\u093e\u092e\u0915\u0940\u092f \u0936\u094d\u0930\u0947\u0923\u0940 \u092a\u094d\u0930\u093e\u0930\u0902\u092d \u0915\u0940 \u0939\u0948\u0964 \u0907\u0928 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u092c\u093f\u0915\u094d\u0930\u0940 \u092e\u0941\u0916\u094d\u092f\u0924\u0903 \u0938\u0930\u092b\u0947\u0938\u0940 \u0905\u0927\u093f\u0928\u093f\u092f\u092e (SARFAESI Act) \u0915\u0947 \u0938\u093f\u0926\u094d\u0927\u093e\u0902\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0930\u0942\u092a \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0928\u0940\u0932\u093e\u092e\u0940 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0915\u0940 \u091c\u093e\u090f\u0917\u0940 \u0924\u0925\u093e \u0907\u0928\u094d\u0939\u0947\u0902&hellip; <a class=\"more-link\" href=\"https:\/\/pwonlyias.com\/hi\/current-affairs\/specified-non-financial-assets-snfas\/\">Continue reading <span class=\"screen-reader-text\">\u0935\u093f\u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0917\u0948\u0930-\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0901 (SNFAs)<\/span><\/a><\/p>\n","protected":false},"author":37,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4818],"tags":[],"paper":[4828],"subject":[4839],"acf":[],"_links":{"self":[{"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/posts\/133632"}],"collection":[{"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/comments?post=133632"}],"version-history":[{"count":2,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/posts\/133632\/revisions"}],"predecessor-version":[{"id":133643,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/posts\/133632\/revisions\/133643"}],"wp:attachment":[{"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/media?parent=133632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/categories?post=133632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/tags?post=133632"},{"taxonomy":"paper","embeddable":true,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/paper?post=133632"},{"taxonomy":"subject","embeddable":true,"href":"https:\/\/pwonlyias.com\/hi\/wp-json\/wp\/v2\/subject?post=133632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}