Explained: One-time restructuring of loans, why banks want it, and why RBI is wary Updated : June 02, 2020 11:23 AM IST The RBI's hesitation is understandable. Memories of the pain from allowing banks to restructure loans are still fresh. Previously, many banks and their customers worked in cahoots to exploit the restructuring mechanism Published : June 02, 2020 10:46 AM IST