Concept Definition: The Framework for Revival and Rehabilitation of MSMEs is designed to help honest borrowers who are facing genuine business stress (incipient sickness). Regulatory Rule: Regulatory guidelines explicitly state that the facility of restructuring or corrective action plans (CAP) under this framework is NOT available to borrowers who have been classified as Wilful Defaulters or where the account has been classified as Fraud.

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Causal Reasoning: The framework aims to support viable businesses facing economic headwinds, not to rescue promoters who have diverted funds or engaged in malfeasance.