With a view to ensure uniformity in implementation of NPA norms, RBI vide Circular dated 11 November 2021 (ref No. RBI/ 20212022/ 125/ DOR .STR. REC. 68/21 .04.048/2021- 22) provided clarifications and instructions on certain aspects referred in the Master Circular dated 1stOctober 2021 with regard to 'Specification of due date/repayment date' . Lending institutions are instructed to adopt and obtain, as a part of loan agreements, a separate letter from the borrower/s in the format as furnished in the annexure. It is to be noted that the example quoted in the letter are illustrative and not exhaustive in nature and relate to common scenarios. You may contact your Home Branch for further explanation and information in subject.