** Yes Bank Ltd falls as much as 9.9 pct to lowest since July 5

** Q2 profit rose 25 pct, but bad loan ratio jumped to 1.82 pct at end-Sept from 0.97 pct a quarter earlier, co said

** India's cenbank asked co to classify an additional 63.55 bln rupees ($980.3 mln) as bad loans after supervision exercise

** Yes Bank has only classified 12.2 bln rupees of that amount as bad loans in Sept qtr after some upgrades and loan sales

** Morgan Stanley warns there could be concerns over loans that Yes Bank has upgraded back to standard; warns co's near-term performance could be weak

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