Non-performing asset recognition is likely to get prolonged till the next fiscal year and can put Rs 5.24 trillion debt in FY20 at risk increasing the potential bad loan stress, thanks to the recent Reserve Bank guidelines on delivery of bank credit, says a report. The RBI had last month come out with the guidelines stipulating that from April 2019, minimum 40 percent of fund- based limits of a borrower is required to be structured in the form of a 'loan component' with a fixed maturity.