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Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q96: Regarding the Pre-packaged Insolvency Resolution Process (PPIRP) for MSMEs introduced under the Insolvency and Bankruptcy Code, consider the following statements:

It is available to corporate debtors classified as MSMEs with a minimum default of 10 Lakh rupees.




Unlike the standard Corporate Insolvency Resolution Process, the PPIRP allows the existing management to remain in control as a "Debtor-in-Possession" during the process.




The maximum time limit for completion of the PPIRP is strictly 270 days.
Which of the statements given above are correct?
A
1 and 2 only
B
2 and 3 only
C
1 and 3 only
D
1, 2 and 3
✅ Correct Answer: A
Statements 1 and 2 are correct.
PPIRP is a special framework designed for MSME corporate debtors.
The default threshold to trigger PPIRP is 10 Lakh rupees (whereas the standard insolvency process triggers at 1 Crore rupees). A key feature of PPIRP is that it is a "Debtor-in-Possession" model.
The existing promoters retain control of the business operations (unlike standard insolvency where a Resolution Professional takes over). This encourages MSMEs to file for resolution early without fear of losing their company immediately.
Statement 3 is incorrect because the entire process must be completed within 120 days, not 270 days.