Chinmoy Sharma Mr., Sr. Adv. Topic: IBC - Insolvency and Bankruptcy Code. 

Chinmay Sir very erudite & clear in his explanation of this complicate IBC code.

One question is in IBC code either in liquidation or in Resolution scenario, financial institutions especially the PSU banks always have to take a haircut & ultimately the taxpayers money is lost.

It seems, personal guarantors aspect either would never be there in future taking them seriously while even backing loan for company who has limited credit burden as restricted by shares and/ available assets only . To allow personal guarantors for attacking, would also bring proprietorship/partnership into this scheme as they also primarily personally liable to the extent of declaring them insolvent for clearing the dues of their enterprises.

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