RBI has proposed a slew of measures to contain rising bad loans, which is likely to touch 3 trillion rupees mark this fiscal. These include incentives to banks for tackling an account timely and penalising borrower with higher interest in future for non-cooperation for a resolution.In a discussion paper on non-performing assets management, the RBI yesterday proposed more expensive future borrowing for borrowers who do not co-operate with lenders in resolution. The discussion paper, which was first announced by RBIGovernor Raghuram Rajan last month, is open for public comments till January 1 next year.