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CAIIB BFM CASE STUDY ON NPA BY ASHISH SIR
What is the full form of NPA in the context of Indian banking?
NPA stands for Non-Performing Asset, which is a loan or advance where the borrower has stopped making interest or principal repayments for a specified period.
What is the SMA-0 category under RBI's early NPA warning system?
Principal or interest overdue between 1 to 30 days
As per RBI guidelines, after how many days of overdue does a loan account become an NPA?
A loan account becomes an NPA when interest or principal remains overdue for more than 90 days for term loans, or the cash credit or overdraft account remains out of order for more than 90 days.
What is the SMA-1 classification for loan accounts under RBI norms?
Principal or interest overdue between 31 to 60 days
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