Monday, 17 April 2017

NPA-Provisioning

Asset Classification
Period as NPA
Current provisioning (%)
Revised accelerated provisioning (%)
Sub- standard
(secured)
Up to 6 months
15
No change
6 months to 1 year
15
25
Sub-standard (unsecured ab-initio)
Up to 6 months
25 (other than infrastructure loans)
25
20 (infrastructure loans)
6 months to 1 year
25 (other than infrastructure loans)
40
20 (infrastructure loans)
Doubtful I
2nd year
25 (secured portion)
40 (secured portion)
100 (unsecured portion)
100 (unsecured portion)
Doubtful II
3rd & 4th year
40 (secured portion)
100 for both secured and unsecured portions
100 (unsecured portion)
Doubtful III
5th year onwards
100
100

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