Private sector lender Bandhan Bank does not expect any requirement for microfinance loan restructuring going forward, though the lender may have to write-off some bad loans depending on situations. For the fourth quarter last fiscal, the bank’s collection efficiency, other than non-performing assets (NPAs) accounts, returned to the pre-Covid level. At the end of the March quarter, for the emerging entrepreneurs business (EEB) segment, which is erstwhile microbanking segment, collection efficiency, excluding NPA, stood at 99%, compared with 97% at the end of the December quarter of the previous fiscal.