<h1>Loan restructuring guidelines enable conversion and rescheduling of agricultural loans to provide relief and fresh credit to affected farmers.</h1> Standing guidelines allow banks to restructure agricultural credit after calamities by converting outstanding principal and accrued interest into term loans; rescheduling loans and accrued interest for three-to-ten year periods based on crop failure severity; providing fresh crop and consumption loans; treating restructured loans as current dues; prohibiting compounding of interest on restructured accounts; permitting relaxed security and margin norms; and allowing at least a one-year moratorium during restructuring.