Synopsis: In this topic on credit monitoring in banks, she has given tips on how to deal with the credit portfolio and how to carry out day-to-day monitoring in the desired and effective manner, which can ultimately lead to a healthy position. She has excluded those areas of credit monitoring which are already covered in text books or mentioned in the guidelines prescribed by RBI / head office. The tips given are all born out of the personal experiences of self and fellow bankers over a period of time. Trust, these tips would be of good use.