Dear Sir, I have taken a Term Loan of Rs.30.00 Cr Under LRD from a PSB with repayment period of 10 years( EMI Rs 40.00 Lakh). Now after 3 years, the valuation and lease rent income from the property has gone up substantially. Accordingly as on date my loan eligibility comes at Rs.50.00 cr under LRD scheme with repayment period of 12 years ( EMI Rs. 66.00 Lakh). Sir, I want to avail the Term loan of Rs 50.00 Cr under LRD from another PSB against the lease rental income of the same property and repay the (present o/s Rs. 15.60 lakh) earlier Term loan. Sir, I want to know, whether the above case will be treated as fresh Term Loan or takeover for the new Bank? Whether the case will be treated as restructuring in respect of change in repayment schedule from existing 10 years to 12 years, if Rs 50.00 Cr is taken as a single term loan with fresh EMI of Rs. 60.00 Lakh. Will be glad to receive your reply on above.