Restructuring of loan by urban co-operative banks (ucb)

Dear all,

I am working in co-operative bank. kIndly guide whether UCB (urban co-operative bank) can restructure non-infrastructure advances for 15 yrs. RBI circular says that it can be done for 10 yrs but there is a confusion in circular.

at one place circular mentions that board of directors to prescribe the maximu period not exceeding 15 yrs for restructured advances keeping in view the safety and soundness of advances.

Need urgent guidance. Pls. guide.