Direct Answer
5 crore rupees
The 5-Crore Reporting Rule dictates the exact financial threshold that makes a corporate borrower systematically dangerous enough to require mandatory database flagging.
Step 1: Check Total Debt
Aggregate Exposure = Must exceed 5 crore rupees
Step 2: Check Time Delay
Warning Tier Hit = Must reach SMA-2 (61 days late)
Step 3: Regulatory Action
Execution = Bank forcibly reports the entity to CRILC
Exam tip: The limit applies to “aggregate exposure,” meaning the total combined money the borrower owes the bank across all active credit lines and term loans, not just the single loan that defaulted. Regulators set the limit at five crore to balance the administrative burden; tracking smaller retail loans would crash the database, so the focus remains entirely on major corporate risk.
Step 1: Check Total Debt
Aggregate Exposure = Must exceed 5 crore rupees
Step 2: Check Time Delay
Warning Tier Hit = Must reach SMA-2 (61 days late)
Step 3: Regulatory Action
Execution = Bank forcibly reports the entity to CRILC
Exam tip: The limit applies to “aggregate exposure,” meaning the total combined money the borrower owes the bank across all active credit lines and term loans, not just the single loan that defaulted. Regulators set the limit at five crore to balance the administrative burden; tracking smaller retail loans would crash the database, so the focus remains entirely on major corporate risk.