Business 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 Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.